Terminal and method

Abstract

The purpose of the present disclosure is to provide a terminal and a method which are capable of improving the security of a payment card in payment on the Internet. A terminal (identification terminal 30) according to one aspect of the present disclosure is provided with: an acquisition unit 31 that acquires a trigger regarding the start of payment on the Internet that uses a payment card 20; a short-range wireless communication unit 32 that performs mutual confirmation with the other terminal (payment card 20) via short-range wireless communication in response to the trigger; and a transmission unit 33 that transmits the result of the mutual confirmation to an authentication center 40 that approves payment.

Description

Terminal and method

[0001] The present invention relates to a terminal and a method.

[0002] There are known technologies for improving the security of credit cards. Patent Document 1 discloses a technology that enables a credit card to be used when a credit card and a communication device that are managed as a pair can communicate with each other. Patent Document 2 discloses a technology that enables a credit card to be used when short-range wireless communication between a mobile terminal and the credit card is possible.

[0003] JP 2011-095870 A JP 2019-053493 A

[0004] For example, in online shopping, orders and payments are made at a time and place that is convenient for the user. The technology described in Patent Document 1 performs processing near a communication device installed in a store or the like. The technology described in Patent Document 2 maintains a state in which communication is possible and credit cards can be used. The technologies described in Patent Documents 1 and 2 make it difficult to improve security in internet payments such as online shopping.

[0005] The present disclosure aims to provide a terminal and method that can improve the security of payment cards in online payments.

[0006] A terminal according to one aspect of the present disclosure includes an acquisition unit that acquires a trigger related to the initiation of an online payment using a payment card, a short-range wireless communication unit that performs mutual confirmation with a counterpart terminal via short-range wireless communication in response to the trigger, and a transmission unit that transmits the results of the mutual confirmation to an authentication center that approves the payment.

[0007] In a terminal according to one aspect of the present disclosure, mutual confirmation is performed between the terminal and a counterpart terminal in response to a trigger related to the start of an online payment. The result of the mutual confirmation is then transmitted to an authentication center that approves the payment. The authentication center can use the result of the mutual confirmation to approve an application to use the payment card. Furthermore, by obtaining a trigger, unnecessary mutual confirmation can be reduced. As a result, the security of the payment card can be improved and the power consumption required for near-field wireless communication can be reduced.

[0008] According to the present disclosure, the security of payment cards can be improved.

[0009] FIG. 1 is a diagram showing an example of the overall configuration of a payment system according to a first embodiment. FIG. 2 is a block diagram showing an example of a payment system according to the first embodiment. FIG. 3 is a flowchart showing an example of the operation of the payment system. FIG. 4 is a block diagram showing an example of a payment system according to a second embodiment. FIG. 5 is a block diagram showing an example of a payment system according to a third embodiment. FIG. 6 is a block diagram showing an example of an identity verification terminal according to a modified example. FIG. 7 is a diagram showing an example of the hardware configuration of a terminal or device.

[0010] The present disclosure will be described with reference to the accompanying drawings. Whenever possible, the same parts are designated by the same reference numerals and redundant description will be omitted.

[0011] FIG. 1 is a diagram showing an example of the overall configuration of a payment system 1 according to the first embodiment. The payment system 1 may be applied to payments over the Internet. Payments over the Internet include any aspect of commercial transactions over a network. For example, the payment system 1 is connected to an external system E via a communication network N. The configuration of the communication network N is not limited. For example, the communication network N may be configured to include the Internet or an intranet.

[0012] The external system E is, for example, a system or server that provides a website for online shopping. Online shopping is an example of payment over the Internet.

[0013] The payment system 1 includes a work terminal 10, a payment card 20, a personal identification terminal 30, and an authentication center 40 (payment server). The work terminal 10, the personal identification terminal 30, and the authentication center 40 are connected to a communication network N.

[0014] The work terminal 10 is a computer owned by a user. The type of the work terminal 10 is not limited. For example, the work terminal 10 may be a personal computer, a high-function mobile phone (smartphone), a tablet terminal, a wearable terminal, or the like. The work terminal 10 includes, for example, a web browser.

[0015] The settlement card 20 is a card that has a payment function owned by a user, such as a credit card, debit card, or prepaid card. An IC (Integrated Circuit) chip is built into the settlement card 20. Information about the settlement card 20 (e.g., a credit card number and a security code) may or may not be printed on the settlement card 20.

[0016] The personal identification terminal 30 is a computer owned by the user. There are no limitations on the type of personal identification terminal 30. For example, the personal identification terminal 30 may be a personal computer, a highly functional mobile phone (smartphone), a tablet terminal, a wearable terminal, or the like. The personal identification terminal 30 and the work terminal 10 may be the same device.

[0017] The authentication center 40 is a server or system that approves the use of the payment card 20. In addition to the usual approval processing of the payment card 20's spending limit, expiration date, etc., the authentication center 40 controls whether the payment card 20 can be used based on the results of mutual confirmation between the personal identification terminal 30 (described later) and the payment card.

[0018] 2 is a block diagram showing an example of the payment system 1 according to the first embodiment. The payment card 20 includes, as functional elements, a power storage unit 21 and a short-range wireless communication unit 22.

[0019] The power storage unit 21 is mounted (built-in) on the main body of the payment card 20. The power storage unit 21 is electrically connected to the short-range wireless communication unit 22 and supplies power to the short-range wireless communication unit 22. For example, the power storage unit 21 is a secondary battery or a capacitor. The power storage unit 21 may have a charging port and a charging circuit for connecting an external power source.

[0020] The short-range wireless communication unit 22 is mounted (built-in) on the main body of the payment card 20. The short-range wireless communication unit 22 operates using power supplied from the power storage unit 21. The short-range wireless communication unit 22 is capable of communicating with an identity verification terminal 30 pre-registered by the user. For example, the short-range wireless communication unit 22 may be a device (chip, module, etc.) that communicates using Bluetooth (registered trademark) or the like. The short-range wireless communication unit 22 may have a transceiver unit for performing short-range wireless communication and a control unit that controls the transceiver unit. The control unit may be configured, for example, by a microcomputer or the like.

[0021] The personal identification terminal 30 includes, as functional elements, an acquisition unit 31, a short-range wireless communication unit 32, and a transmission unit 33. The acquisition unit 31 acquires a trigger related to the start of an online payment using the payment card 20. For example, the acquisition unit 31 receives a trigger from the authentication center 40.

[0022] In response to the trigger, the short-range wireless communication unit 32 performs mutual confirmation with the counterpart terminal via short-range wireless communication. In the payment system 1, the counterpart terminal is the payment card 20. For example, the short-range wireless communication unit 32 may have a card identifier of the payment card 20 pre-registered. The short-range wireless communication unit 32 establishes a short-range wireless communication connection with the payment card 20 to perform mutual confirmation. In one example, the mutual confirmation may be Bluetooth (registered trademark) pairing. If mutual confirmation is possible, the short-range wireless communication unit 32 may determine the result of the mutual confirmation as OK. If the connection cannot be established within a certain period of time, the short-range wireless communication unit 32 may determine the result of the mutual confirmation as NG.

[0023] The transmission unit 33 transmits the result of the mutual confirmation to the authentication center 40, which approves the payment. The result of the mutual confirmation may be OK or NG, or may be other content. For example, the result of the mutual confirmation may be information for permitting or denying the payment, or information for permitting or denying the use of the payment card 20.

[0024] The authentication center 40 includes, as functional elements, a storage unit 41, a communication unit 42, and a control unit 43. The storage unit 41 is a non-transitory storage medium or storage device. The storage unit 41 stores information about the payment card 20 and information about the destination in association with each other. In one example, the storage unit 41 may store a destination address, such as the IP address of the personal identification terminal 30.

[0025] The communication unit 42 transmits and receives a trigger indicating the start of a payment on the Internet. For example, the communication unit 42 receives a request to use the payment card 20 from the external system E as a trigger. The request may be, for example, a message inquiring whether the payment card 20 can be used for the payment of an online shopping order. The request includes the payment of the online shopping order and information about the payment card 20. The communication unit 42 refers to the memory unit 41 to acquire information about the destination associated with the information about the payment card 20. For example, the communication unit 42 may acquire the IP address of the personal identification terminal 30 as information about the destination. The communication unit 42 uses the information about the destination to send a trigger to the personal identification terminal 30. The communication unit 42 also receives the results of mutual confirmation from the personal identification terminal 30.

[0026] The control unit 43 controls whether the payment card 20 can be used depending on the result of the mutual confirmation. The control unit 43 may normally disable the use of the payment card 20. If the result of the mutual confirmation is OK, the control unit 43 may enable the use of the payment card 20 for a certain period of time. Examples of the certain period of time for which the payment card 20 can be used include, but are not limited to, several minutes, several tens of minutes, or an hour. If the result of the mutual confirmation is NG, the control unit 43 may disable the use of the payment card 20. The control unit 43 outputs an approval result indicating whether use is possible to the external system E.

[0027] The operation of payment system 1 and a method according to the present disclosure will be described with reference to Fig. 3. Fig. 3 is a flowchart showing an example of the operation of payment system 1. In payment system 1, personal identification terminal 30 functions as a terminal, and payment card 20 functions as a counterpart terminal.

[0028] In step S1, the work terminal 10 transmits order information to the external system E. For example, the work terminal 10 accesses a website provided by the external system E to use an online shopping service. The work terminal 10 accepts input of order information. The order information includes, for example, product information and payment card 20 information (for example, a credit card number and a security code). The work terminal 10 transmits the order information to the external system E in response to an order confirmation operation.

[0029] In step S2, the external system E receives the order information from the work terminal 10. Here, an example will be described in which the order information includes information on the payment card 20.

[0030] In step S3, the external system E transmits an application for use of the settlement card 20 to the authentication center 40.

[0031] In step S4, the authentication center 40 receives an application to use the payment card 20 from the external system E. For example, the communication unit 42 of the authentication center 40 receives the application to use the payment card 20 received from the external system E as a trigger.

[0032] In step S5, the authentication center 40 transmits a trigger to the terminal. For example, the communication unit 42 of the authentication center 40 refers to the storage unit 41 to acquire information about the destination associated with the information on the payment card 20. For example, the communication unit 42 may acquire the IP address of the personal identification terminal 30 as the information about the destination. The communication unit 42 transmits a trigger to the personal identification terminal 30 using the information about the destination.

[0033] In step S6, the terminal acquires a trigger. For example, the acquisition unit 31 of the personal verification terminal 30 receives the trigger from the authentication center 40.

[0034] In step S7, the terminal and the other terminal perform mutual confirmation via short-range wireless communication. For example, the short-range wireless communication unit 32 of the personal identification terminal 30 performs mutual confirmation with the payment card 20 via short-range wireless communication in response to a trigger. For example, the short-range wireless communication unit 32 may have a card identifier of the payment card 20 registered in advance. The short-range wireless communication unit 32 establishes a short-range wireless communication connection with the payment card 20 to perform mutual confirmation. If mutual confirmation is possible, the short-range wireless communication unit 32 may determine the result of the mutual confirmation as OK. If the connection cannot be established within a certain period of time, the short-range wireless communication unit 32 may determine the result of the mutual confirmation as NG.

[0035] In step S8, the terminal transmits the result of the mutual confirmation to the authentication center 40. For example, the transmission unit 33 of the personal identification terminal 30 transmits the result of the mutual confirmation to the authentication center 40, which approves the payment. The result of the mutual confirmation may be OK or NG, or may be some other content.

[0036] In step S9, the authentication center 40 controls whether the payment card 20 can be used. For example, the communication unit 42 of the authentication center 40 receives the result of the mutual confirmation from the personal identification terminal 30. The control unit 43 of the authentication center 40 controls whether the payment card 20 can be used, depending on the result of the mutual confirmation. The control unit 43 may disable the use of the payment card 20 under normal circumstances. If the result of the mutual confirmation is OK, the control unit 43 may enable the use of the payment card 20 for a certain period of time. If the result of the mutual confirmation is NG, the control unit 43 may disable the use of the payment card 20.

[0037] In step S10, the authentication center 40 transmits the approval result to the external system E. For example, the control unit 43 of the authentication center 40 outputs the approval result to the external system E indicating whether or not use is permitted.

[0038] In step S11, the external system E receives the approval result from the authentication center 40. The external system E performs processing related to approval or rejection of the payment depending on the approval result. The external system E may also create a web page showing the approval result.

[0039] In step S12, the external system E transmits the approval result to the work terminal 10. For example, the external system E provides the work terminal 10 with a web page showing the approval result.

[0040] As described above, a terminal (identification terminal 30) according to one aspect of the present disclosure comprises an acquisition unit 31 that acquires a trigger related to the start of an online payment using the payment card 20, a short-range wireless communication unit 32 that performs mutual confirmation with the other terminal (payment card 20) via short-range wireless communication in response to the trigger, and a transmission unit 33 that transmits the results of the mutual confirmation to an authentication center 40 that approves the payment.

[0041] A method according to one aspect of the present disclosure includes the steps of obtaining a trigger for initiating an online payment using the payment card 20, performing mutual confirmation with the other terminal (payment card 20) via short-range wireless communication in response to the trigger, and transmitting the results of the mutual confirmation to an authentication center that approves the payment.

[0042] In a terminal and method according to one aspect of the present disclosure, mutual confirmation is performed between a terminal and a counterpart terminal in response to a trigger related to the start of an online payment. The result of the mutual confirmation is then transmitted to an authentication center 40, which approves the payment. The authentication center 40 can use the result of the mutual confirmation to approve the application for use of the payment card 20. Furthermore, by acquiring a trigger, unnecessary mutual confirmation can be reduced. As a result, the security of the payment card 20 can be improved and the power consumption required for near-field wireless communication can be reduced.

[0043] The terminal is an identity verification terminal 30 owned by the user. The other terminal is a payment card 20 owned by the user. Since it is sufficient for the payment card 20 to have a short-range wireless communication function, there is no need to significantly change the configuration of the terminal and the other terminal, which have been widely used for a long time. Furthermore, since the processing load can be allocated to the identity verification terminal 30, the power consumption of the payment card 20 can be reduced.

[0044] The acquisition unit 31 acquires a trigger from the authentication center 40. The trigger acquired from the authentication center 40 indicates, for example, the timing when the payment card 20 is used for online shopping, etc. As a result, mutual confirmation can be performed at a more appropriate timing.

[0045] The settlement card 20 cannot be used under normal circumstances, and whether it can be used or not is controlled depending on the result of mutual confirmation, which further improves the security of the settlement card 20 under normal circumstances.

[0046] 4 is a block diagram showing an example of a payment system 1A according to the second embodiment. Payment system 1A includes a work terminal 10, a payment card 20A, a personal identification terminal 30A, and an authentication center 40A. Payment system 1A differs from payment system 1 in that payment card 20A and authentication center 40A communicate with each other. The following mainly describes the differences from payment system 1.

[0047] The payment card 20A includes, as functional elements, a power storage unit 21, a short-range wireless communication unit 22, an acquisition unit 23, and a transmission unit 24. The personal verification terminal 30A includes, as functional elements, a short-range wireless communication unit 32. The authentication center 40A includes, as functional elements, a storage unit 41, a communication unit 42, and a control unit 43.

[0048] The acquisition unit 23 and the transmission unit 24 are mounted (built-in) on the main body of the payment card 20A. The acquisition unit 23 and the transmission unit 24 may be configured, for example, by a SIM (Subscriber Identity Module) card, a Sigfox device, or a Wi-Fi module. The acquisition unit 23 and the transmission unit 24 operate using power supplied from the power storage unit 21.

[0049] The acquisition unit 23 acquires a trigger related to the start of a payment on the Internet using the payment card 20A. For example, the acquisition unit 23 receives a trigger from the authentication center 40A.

[0050] The transmitting unit 24 transmits the result of the mutual confirmation to the authentication center 40A, which approves the payment. The result of the mutual confirmation may be OK or NG, or may be other content.

[0051] The storage unit 41 stores information about the payment card 20A and information about the destination in association with each other. In one example, the storage unit 41 may store a destination address such as an IP address of the payment card 20A.

[0052] In the flowchart shown in Figure 3, in payment system 1A, payment card 20A functions as a terminal, and personal identification terminal 30A functions as a counterpart terminal. Below, we will explain the parts of the flowchart shown in Figure 3 that need to be replaced (steps S5 to S8).

[0053] In step S5, the communication unit 42 of the authentication center 40A refers to the storage unit 41 to acquire information about the destination associated with the information of the payment card 20A. For example, the communication unit 42 may acquire the IP address of the payment card 20A as the information about the destination. The communication unit 42 uses the information about the destination to send a trigger to the payment card 20A.

[0054] In step S6, the terminal acquires a trigger. For example, the acquisition unit 23 of the settlement card 20A receives the trigger from the authentication center 40A.

[0055] In step S7, the terminal and the other terminal perform mutual confirmation via short-range wireless communication. For example, the short-range wireless communication unit 22 of the payment card 20A performs mutual confirmation with the personal identification terminal 30A via short-range wireless communication in response to a trigger. For example, the short-range wireless communication unit 22 may have an identifier of the personal identification terminal 30A registered in advance. The short-range wireless communication unit 22 establishes a short-range wireless communication connection with the personal identification terminal 30A to perform mutual confirmation. If mutual confirmation is possible, the short-range wireless communication unit 22 may determine the result of the mutual confirmation as OK. If the connection cannot be established within a certain period of time, the short-range wireless communication unit 22 may determine the result of the mutual confirmation as NG.

[0056] In step S8, the terminal transmits the result of the mutual confirmation to the authentication center 40A. For example, the transmission unit 24 of the payment card 20A transmits the result of the mutual confirmation to the authentication center 40A, which approves the payment. The result of the mutual confirmation may be OK or NG, or may be some other content.

[0057] As described above, the terminal is the payment card 20A owned by the user. The other terminal is the personal identification terminal 30A owned by the user. Since the processing load can be allocated to the payment card 20A, the power consumption of the personal identification terminal 30A can be reduced.

[0058] 5 is a block diagram showing an example of a payment system 1B according to the third embodiment. Payment system 1B includes a work terminal 10, a payment card 20B, a personal identification terminal 30B, and an authentication center 40B. Payment system 1B differs from payment system 1A in that payment card 20B acquires a trigger. The following mainly describes the differences from payment system 1A.

[0059] The payment card 20B includes, as functional elements, a power storage unit 21, a short-range wireless communication unit 22, an acquisition unit 23, a transmission unit 24, and an input unit 25. The personal verification terminal 30B includes, as functional elements, a short-range wireless communication unit 32. The authentication center 40A includes, as functional elements, a storage unit 41 and a control unit 43.

[0060] The input unit 25 is mounted (built-in) on the main body of the payment card 20B. The input unit 25 may be configured with, for example, a button or a switch. The input unit 25 accepts physical input from the user. For example, the user operates the input unit 25 of the payment card 20B at the timing of, or around the time of, finalizing an online shopping order on the work terminal 10. In one example, the input unit 25 detects the user pressing a button. The acquisition unit 23 acquires the input as a trigger.

[0061] In the flowchart shown in Figure 3, in payment system 1B, payment card 20B functions as a terminal, and personal identification terminal 30B functions as a counterpart terminal. The following explains the parts of the flowchart shown in Figure 3 that need to be replaced (steps S5 to S6). In payment system 1B, step S5 may be omitted.

[0062] In step S6, the terminal acquires a trigger. For example, the input unit 25 of the terminal accepts a physical input from the user. The acquisition unit 23 acquires the input as a trigger.

[0063] As described above, the terminal (payment card 20B) includes an input unit 25 that accepts physical input from the user. The acquisition unit 23 acquires the input as a trigger. Mutual verification can be started at a time and place that is convenient for the user.

[0064] 6 is a block diagram showing an example of a personal identification terminal 30C according to a modified example. The personal identification terminal 30C includes, as functional elements, an acquisition unit 31, a short-range wireless communication unit 32, a transmission unit 33, a location information acquisition unit 34, and a number display unit 35.

[0065] The location information acquisition unit 34 acquires information related to the location. The location information acquisition unit 34 acquires information related to the location of the personal identification terminal 30C, for example, using a GPS (Global Positioning System). The location information acquisition unit 34 may acquire information related to the location, for example, in conjunction with the timing of mutual identification. The transmission unit 33 may transmit the mutual identification result and information related to the location to the authentication center 40. The transmission unit 33 may transmit the storage unit 41 of the authentication center 40 the information related to the location. The control unit 43 of the authentication center 40 may control whether or not the payment card 20 can be used based on the mutual identification result and information related to the location. The location information acquisition unit 34 may store the information related to the location in a predetermined storage device.

[0066] The number display unit 35 displays the security code of the payment card 20. For example, the security code does not have to be printed on the payment card 20. A dedicated application for managing the payment card 20 may be installed in the personal identification terminal 30C. The number display unit 35 may display the security code on the display device (screen) of the personal identification terminal 30C via the application. The work terminal 10 may accept input of the security code via a web browser.

[0067] As described above, the terminal (identification terminal 30C) includes a location information acquisition unit 34 that acquires information related to the location. The transmission unit 33 transmits the information related to the location to the authentication center 40. The authentication center 40 can perform processing using the information related to the location. For example, the authentication center 40 can use the information related to the location to control whether or not the payment card 20 can be used. For example, the authentication center 40 can detect when a payment has been initiated at an unauthorized location, thereby further improving the security of the payment card 20.

[0068] The terminal (identification terminal 30C) is equipped with a number display unit 35 that displays the security code of the payment card 20. There may be cases where the security code is not printed on the payment card 20. Displaying the security code on the terminal increases the certainty that the payment is being made by the person in question. As a result, the security of the payment card 20 can be further improved.

[0069] The present disclosure may have the following configurations. [1] A terminal comprising: an acquisition unit that acquires a trigger related to the start of an internet payment using a payment card; a short-range wireless communication unit that performs mutual confirmation with a counterpart terminal via short-range wireless communication in response to the trigger; and a transmission unit that transmits a result of the mutual confirmation to an authentication center that approves the payment. [2] The terminal described in [1], wherein the terminal is an identity verification terminal owned by a user, and the counterpart terminal is a payment card owned by the user. [3] The terminal described in [1], wherein the terminal is a payment card owned by a user, and the counterpart terminal is an identity verification terminal owned by the user. [4] The terminal described in [1] or [2], wherein the acquisition unit acquires the trigger from the authentication center. [5] The terminal described in any of [1] to [4], wherein the payment card is normally unavailable, and whether it can be used is controlled depending on the result of the mutual confirmation. [6] The terminal according to [3], wherein the terminal includes an input unit that accepts physical input from the user, and the acquisition unit acquires the input as the trigger. [7] The terminal according to [2], wherein the terminal includes a location information acquisition unit that acquires information related to a location, and the transmission unit transmits the information related to the location to the authentication center. [8] The terminal according to [2], wherein the terminal includes a number display unit that displays a security code of the payment card. [9] A method comprising: acquiring a trigger related to the start of an internet payment using the payment card; performing mutual confirmation with a counterpart terminal via short-range wireless communication in response to the trigger; and transmitting a result of the mutual confirmation to an authentication center that approves the payment.

[0070] The block diagrams used to explain the above embodiments show functional blocks. These functional blocks (components) are realized by any combination of hardware and / or software. Furthermore, the method for realizing each functional block is not particularly limited. That is, each functional block may be realized using a single device that is physically or logically coupled, or may be realized using two or more physically or logically separated devices that are directly or indirectly connected (e.g., wired, wireless, etc.) and these multiple devices. The functional block may also be realized by combining software with the single device or multiple devices.

[0071] Functions include, but are not limited to, judgment, determination, assessment, calculation, computation, processing, derivation, investigation, search, confirmation, reception, transmission, output, access, resolution, selection, selection, establishment, comparison, assumption, expectation, consideration, broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, and assignment. For example, a functional block (component) that performs transmission is called a transmitting unit or transmitter. As mentioned above, there are no particular limitations on how these functions are implemented.

[0072] For example, a terminal or device according to an embodiment of the present disclosure may function as a computer that performs the information processing of the present disclosure. Fig. 7 is a diagram illustrating an example of the hardware configuration of a terminal or device (work terminal 10, payment card 20, personal identification terminal 30, and authentication center 40) according to an embodiment of the present disclosure. The terminal or device described above may be physically configured as a computer device including a processor 1001, a memory 1002, a storage 1003, a communication device 1004, an input device 1005, an output device 1006, a bus 1007, etc.

[0073] In the following description, the term "apparatus" can be read as a circuit, a device, a unit, etc. The hardware configuration of a terminal or apparatus may be configured to include one or more of the devices shown in the drawings, or may be configured to exclude some of the devices.

[0074] Each function of the terminal or device is realized by loading specified software (programs) onto hardware such as a processor 1001 and memory 1002, causing the processor 1001 to perform calculations, control communication via the communication device 1004, and control at least one of reading and writing data in the memory 1002 and storage 1003.

[0075] The processor 1001 controls the entire computer by running, for example, an operating system. The processor 1001 may be configured as a central processing unit (CPU) including an interface with peripheral devices, a control device, an arithmetic unit, a register, etc. For example, each function of the above-mentioned terminal or device may be realized by the processor 1001.

[0076] Furthermore, the processor 1001 reads programs (program codes), software modules, data, etc. from at least one of the storage 1003 and the communication device 1004 into the memory 1002 and executes various processes in accordance with these. The programs used are those that cause a computer to execute at least some of the operations described in the above-described embodiments. For example, each function of the terminal or device may be realized by a control program stored in the memory 1002 and running on the processor 1001. While the above-described various processes have been described as being executed by one processor 1001, they may also be executed simultaneously or sequentially by two or more processors 1001. The processor 1001 may be implemented by one or more chips. The programs may also be transmitted from a network via a telecommunications line.

[0077] The memory 1002 is a computer-readable recording medium and may be configured, for example, by at least one of a read-only memory (ROM), an erasable programmable ROM (EPROM), an electrically erasable programmable ROM (EEPROM), a random access memory (RAM), etc. The memory 1002 may also be called a register, a cache, a main memory (primary storage device), etc. The memory 1002 can store executable programs (program codes), software modules, etc. for performing information processing according to an embodiment of the present disclosure.

[0078] Storage 1003 is a computer-readable recording medium, and may be composed of at least one of, for example, an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, a magneto-optical disk (e.g., a compact disk, a digital versatile disk, a Blu-ray (registered trademark) disk), a smart card, a flash memory (e.g., a card, a stick, a key drive), a floppy (registered trademark) disk, a magnetic strip, etc. Storage 1003 may also be referred to as an auxiliary storage device. The storage medium provided in the terminal or device may be, for example, a database, a server, or other appropriate medium including at least one of memory 1002 and storage 1003.

[0079] The communication device 1004 is hardware (transmission / reception device) for communicating between computers via at least one of a wired network and a wireless network, and is also called, for example, a network device, a network controller, a network card, or a communication module.

[0080] The input device 1005 is an input device (e.g., a keyboard, a mouse, a microphone, a switch, a button, a sensor, etc.) that receives input from the outside. The output device 1006 is an output device (e.g., a display, a speaker, an LED lamp, etc.) that outputs to the outside. The input device 1005 and the output device 1006 may be integrated into one device (e.g., a touch panel).

[0081] Furthermore, each device, such as the processor 1001 and the memory 1002, is connected by a bus 1007 for communicating information. The bus 1007 may be configured using a single bus, or may be configured using different buses between each device.

[0082] Furthermore, the terminal or device may be configured to include hardware such as a microprocessor, a digital signal processor (DSP), an application specific integrated circuit (ASIC), a programmable logic device (PLD), or a field programmable gate array (FPGA), and some or all of the functional blocks may be realized by the hardware. For example, the processor 1001 may be implemented using at least one of these pieces of hardware.

[0083] The order of the procedures, sequences, flowcharts, etc. of each aspect / embodiment described in this disclosure may be changed unless it is consistent. For example, the methods described in this disclosure present elements of various steps using an example order, and are not limited to the particular order presented.

[0084] Input and output information may be stored in a specific location (for example, memory) or may be managed using a management table. Input and output information may be overwritten, updated, or added to. Output information may be deleted. Input information may be transmitted to another device.

[0085] The determination may be made based on a value represented by one bit (0 or 1), a Boolean value (true or false), or a numerical comparison (e.g., comparison with a predetermined value).

[0086] The aspects / embodiments described in this disclosure may be used alone, in combination, or switched depending on the implementation. Notification of predetermined information (e.g., notification that "X is true") is not limited to explicit notification, but may be implicit (e.g., not notifying the predetermined information).

[0087] Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described herein. The present disclosure can be implemented in modified and altered forms without departing from the spirit and scope of the present disclosure as defined by the claims. Therefore, the description of the present disclosure is intended to be illustrative and does not have any limiting meaning on the present disclosure.

[0088] Software shall be construed broadly to mean instructions, instruction sets, code, code segments, program code, programs, subprograms, software modules, applications, software applications, software packages, routines, subroutines, objects, executable files, threads of execution, procedures, functions, etc., whether referred to as software, firmware, middleware, microcode, hardware description language, or otherwise.

[0089] Software, instructions, information, etc. may also be transmitted or received over a transmission medium. For example, if software is transmitted from a website, server, or other remote source using wired technologies (such as coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL)), and / or wireless technologies (such as infrared, microwave), then these wired and / or wireless technologies are included within the definition of transmission media.

[0090] As used in this disclosure, the terms "system" and "network" are used interchangeably.

[0091] Furthermore, the information, parameters, etc. described in this disclosure may be expressed using absolute values, may be expressed using relative values ​​from a predetermined value, or may be expressed using other corresponding information.

[0092] As used in this disclosure, the terms "determining" and "determining" may encompass a wide variety of actions. "Determining" and "determining" may include, for example, judging, calculating, computing, processing, deriving, investigating, looking up, searching, inquiring (e.g., searching in a table, database, or other data structure), ascertaining, and the like. "Determining" and "determining" may also include receiving (e.g., receiving information), transmitting (e.g., sending information), input, output, accessing (e.g., accessing data in memory), and the like. Furthermore, "judgment" and "decision" can include regarding resolving, selecting, choosing, establishing, comparing, etc. as having been "judged" or "decided." In other words, "judgment" and "decision" can include regarding some action as having been "judged" or "decided." Furthermore, "judgment (decision)" can be interpreted as "assuming," "expecting," "considering," etc.

[0093] The terms "connected," "coupled," or any variation thereof, refer to any direct or indirect connection or coupling between two or more elements, and may include the presence of one or more intermediate elements between two elements that are "connected" or "coupled" to each other. The coupling or connection between elements may be physical, logical, or a combination thereof. For example, "connected" may be read as "access." As used in this disclosure, two elements may be considered to be "connected" or "coupled" to each other using one or more wires, cables, and / or printed electrical connections, as well as electromagnetic energy having wavelengths in the radio frequency range, microwave range, and optical (both visible and invisible) range, as some non-limiting and non-exhaustive examples.

[0094] As used in this disclosure, the phrase "based on" does not mean "based only on," unless expressly stated otherwise. In other words, the phrase "based on" means both "based only on" and "based at least on."

[0095] As used in this disclosure, any reference to an element using a designation such as "first," "second," etc. does not generally limit the quantity or order of those elements. These designations may be used in this disclosure as a convenient method of distinguishing between two or more elements. Thus, a reference to a first and a second element does not imply that only two elements may be employed or that the first element must in some way precede the second element.

[0096] When the terms "include," "including," and variations thereof are used in this disclosure, these terms are intended to be inclusive, similar to the term "comprising." Furthermore, when the term "or" is used in this disclosure, it is not intended to be an exclusive or.

[0097] In this disclosure, where articles are added by translation, such as a, an, and the in English, the disclosure may include that the nouns following these articles are in the plural form.

[0098] In the present disclosure, the term "A and B are different" may mean "A and B are different from each other." The term may also mean "A and B are each different from C." Terms such as "separate" and "coupled" may also be interpreted in the same way as "different."

[0099] 1, 1A, 1B...payment system, 10...work terminal, 20, 20A, 20B...payment card, 30, 30A, 30B, 30C...identification terminal, 40, 40A, 40B...authentication center, 21...power storage unit, 22...short-range wireless communication unit, 23...acquisition unit, 24...transmission unit, 25...input unit, 31...acquisition unit, 32...short-range wireless communication unit, 33...transmission unit, 34...location information acquisition unit, 35...number display unit, 41...memory unit, 42...communication unit, 43...control unit.

Claims

1. A terminal comprising: an acquisition unit that acquires a trigger related to the start of an internet payment using a payment card; a short-range wireless communication unit that performs mutual confirmation with a counterpart terminal via short-range wireless communication in response to the trigger; and a transmission unit that transmits the results of the mutual confirmation to an authentication center that approves the payment.

2. The terminal according to claim 1, wherein the terminal is an identity verification terminal owned by the user, and the counterpart terminal is a payment card owned by the user.

3. The terminal according to claim 1, wherein the terminal is a payment card owned by the user, and the counterpart terminal is an identity verification terminal owned by the user.

4. The terminal according to claim 1, wherein the acquisition unit acquires the trigger from the authentication center.

5. The terminal according to claim 1, wherein the settlement card is normally unusable, and whether or not it can be used is controlled depending on the result of the mutual confirmation.

6. The terminal according to claim 3, wherein the terminal comprises an input unit that accepts a physical input from the user, and the acquisition unit acquires the input as the trigger.

7. The terminal according to claim 2, wherein the terminal comprises a location information acquisition unit that acquires information relating to a location, and the transmission unit transmits the information relating to the location to the authentication center.

8. The terminal according to claim 2, further comprising a number display unit that displays the security code of the payment card.

9. A method comprising the steps of: acquiring a trigger related to the initiation of an internet payment using a payment card; in response to the trigger, performing mutual confirmation with a counterpart terminal via short-range wireless communication; and transmitting the result of the mutual confirmation to an authentication center that approves the payment.

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