CN101256652A - Portable phone bar code settlement method and system - Google Patents
Portable phone bar code settlement method and system Download PDFInfo
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- CN101256652A CN101256652A CNA2007101032813A CN200710103281A CN101256652A CN 101256652 A CN101256652 A CN 101256652A CN A2007101032813 A CNA2007101032813 A CN A2007101032813A CN 200710103281 A CN200710103281 A CN 200710103281A CN 101256652 A CN101256652 A CN 101256652A
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Abstract
The invention provides a method and a system capable of successfully balancing without an expensive portable CAT terminal but a portable telephone. Predetermined data (ID, contract number, money amount, etc.) is inputted via a first portable telephone (the portable telephone of a trader), and transferred to a bar code conversion server to be converted into bar code for balancing (100, 102). The bar code is sent to the first portable telephone, and displayed (103, 104). The bar code is photographed and read by a second portable telephone (the portable telephone of a client) (105). The read bar code is decoded (106), and the decoded data is sent to an AP server (107, 108), information for executing balancing is generated by the AP server (109), the AP server sends information to a balancing server (110). After the balancing server performs balancing, the result is returned to the AP server and the portable telephones (111-116).
Description
Technical field
The present invention relates to and to come defrayment, and need not allow the user go to the portable phone bar code settlement method and the system of convenience store by using portable phone.Relate in particular to the clearing that also can carry out under the situation that in request is single, does not have the show bar font code based on bar code, and do not need to use the method and system of CAT (Credit Authorization Terminal) terminal at high price.
Background technology
In recent years, provide the situation of the service of withholding of common cost such as the expense of listening to, tax revenue of the electric usage charges of phone, NHK a lot of by convenience store.It is single that these services generate many requests of binding into book form by the printing of fee request side, give client, client holds this request and singly comes convenience store, confirm cost category/amount of money by the convenience store employee, collect the affirmation chapter, tear and get/transmit receipt by cashier's collection of charges, lid, the item that goes out of knowing income and carrying out the service charge processing to the fee request square tube carries out a series of processing so again.
In the existing convenience store account settlement server, once pay collecting business and need a plurality of formalities, compare with the selling operation of convenience store commodity, need the time too much, salesman's burden was big during subpoena was managed business, reading of collection charge is easy to generate mistake, need carry out income notice or the like to fee request side, has the numerous and diverse problem of formality.
In addition, fee request side need with individual people be the destination the request list send/post such request transaction funds and formality, the collection till income needs the time, needs to prepare to carry out the system from the income service management of a plurality of convenience stores.
In order to address the above problem, the invention of patent documentation 1 record has been proposed.
Patent documentation 1: the spy opens 2003-216882 communique " back-up system calculates in convenience store ":
Utilize the communication function of the portable terminal devices such as portable phone that client holds, from fee request side or convenience store payment support center send solicited message by internet etc. to client's portable terminal device, between the client's who has accepted this information portable terminal device and convenience store's terminating machine, exchange solicited message, between convenience store and center, carry out the affirmation of solicited message, and pass through this and operate from convenience store's terminating machine to center transmission income information, simultaneously, client is sent out receipt.
Summary of the invention
The invention of patent documentation 1 record needs the user to hold portable phone to go to convenience store, and at this defrayment.But, if the user need not go to convenience store, just can carry out the payment of common cost etc., can be very convenient.For example,, then no matter when no matter where all can operate if the portable phone that can hold by oneself carries out the payment of expense, very convenient.
At this, that can come defrayment by the formality of above-mentioned prior art has shown bar code in request is single.POS by convenience store reads this bar code, thereby can carry out the payment processes of the payment of expense smoothly.If it is in request is single, also can not pay processing under the situation of show bar font code smoothly, then very convenient.
As the device that carries out this payment processes, known so-called CAT terminal.So-called CAT is writing a Chinese character in simplified form of Credit Authorization Terminal, is the end device that can carry out the clearing of credit card, and fixed and pocket are arranged.The CAT terminal of pocket for example is used for the money transaction payment that express delivery is got home.When the courier who gets home in deliver goods sent to commodity, the information of credit card that can be by the input guest was carried out the clearing of credit card.
Under the situation of the money transaction payment that deliver goods is got home etc., the CAT terminal of pocket is very convenient, but also has problem.The CAT terminal price of pocket is expensive, the express delivery undertaker who can not the dispensing deliver goods gets home everyone.Therefore, if wish to carry out Credit Card Payments, must be that the courier gets back to the place of business, the situation of CAT terminal of holding pocket again is a lot.All outside the time, commodity are delivered to the guest needs the time in the CAT of pocket terminal.On the other hand, under the situation that visit client family collects cash,, wish to avoid as far as possible the transaction of cash from managing the viewpoint on the safety.Especially, the situation of the cash of processing small amount is like this.But the CAT terminal of pocket costs an arm and a leg, and the equipment investment volume is big, can not easily realize.
The present invention makes for addressing the above problem, and its objective is provides a kind of settlement system that will use bar code to be applicable to the method and system of the business prototype that access customer man collects the charges.That is, provide a kind of high CAT terminal of price of not using, and use portable phone just can to settle accounts smoothly, even and do not asking show bar font code method and system also applicatory on the list.
Be used to solve the scheme of problem
The present invention is a kind of method that is used to carry out based on the settlement on networks of credit card etc., comprising:
By first portable phone, be registered to the step on the bar code conversion server;
The data that contract number, the amount of money etc. is indicated commodity send to the step of described bar code conversion server;
By described bar code conversion server, be used to generate the database that calculates with the data of bar code according to having stored in advance, be the step that comprises the bar code of the data relevant with described data conversion with fee request;
Described bar code is sent to the step of described first portable phone;
The described bar code that is received is presented at the step on the picture of described first portable phone;
Read the step of described bar code by second portable phone;
The step of the described bar code that decoding is read;
The user of described second portable phone visits the server that the settlement process of having accepted registration is in advance used by described second portable phone, accepts the step of the authentication of the server that described settlement process uses;
When having passed through authentication, the decoded data of described bar code is sent to the step of the server that described settlement process uses from described second portable phone;
The described user's of registered in advance the information and the decoded data of described bar code on the server of using according to described settlement process generate the step of the information that is used to carry out clearing; And
The server of using by described settlement process is carried out the step of settlement process.
Description of drawings
Fig. 1 is the schematic block diagram of the system of working of an invention mode;
Fig. 2 is the processing flow chart of the system of working of an invention mode;
Fig. 3 is the example of portable phone picture that is used to illustrate the system acting of working of an invention mode;
Fig. 4 is the example (following) of portable phone picture that is used to illustrate the system acting of working of an invention mode;
Fig. 5 is the example (following) of portable phone picture that is used to illustrate the system acting of working of an invention mode;
Fig. 6 is the example (following) of portable phone picture that is used to illustrate the system acting of working of an invention mode;
Fig. 7 is the example (following) of portable phone picture that is used to illustrate the system acting of working of an invention mode;
Fig. 8 is the schematic block diagram of the another system of working of an invention mode;
Fig. 9 is the processing flow chart of the another system of working of an invention mode;
Figure 10 is the block diagram of the system of working of an invention mode (based on the settlement process of bar code);
Figure 11 is the block diagram of the system of working of an invention mode (based on the settlement process of bar code);
Figure 12 is the example of the portable phone picture used of system acting of explanation working of an invention mode (based on the settlement process of bar code);
Figure 13 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 14 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 15 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 16 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 17 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 18 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 19 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code);
Figure 20 is the example (following) of portable phone picture of action that is used to illustrate the system of working of an invention mode (based on the settlement process of bar code).
Symbol description
1 anterior system
11 load dispersing apparatus
12 AP servers (normal system)
13 AP servers (standby system)
14 fire walls
2 rear portion systems
21 load dispersing apparatus
22 AP servers (normal system)
23 AP servers (standby system)
24 DB Control Servers
Storeies such as 25 client's main frames
26 affairs LOG storeies
3 electronic money service servers
4 credit card payment servers
5 post office deposit system of bank account settlement servers
CP1 first portable phone
CP2 second portable phone
The DB database
NET concentric line road network
The PC personal computer
SV1 bar code conversion server
SV2 AP server account settlement server
Embodiment
The use of internet enlarges in the sale reservation of the consumer goods and the financial service field.Because of the universal convenience that waits in broadband improves, the field that the user uses enlarges, and the present invention newly provides the agency plant of taking over that uses portable phone.
It is a kind of at 24 hours that embodiments of the present invention provide, all payable anywhere single system.That is, visit server, generate the bar code that shows clearing usefulness, the settlement on networks of credit card etc. is provided by using portable phone.Thus, no matter when, whoso all can simply carry out settlement on networks, does not need to go to convenience store for carrying out reimbursement of expense.And do not need expensive pocket CAT terminal.
Below, come with reference to the accompanying drawings the method and system of working of an invention mode is described.
Fig. 1 is the synoptic diagram of the system of working of an invention mode.
Fig. 2 is the schematic flow diagram of the method for working of an invention mode.
Fig. 3～Fig. 7 represents the picture example of first portable phone of deal maker (for example courier of family) operation.
The system of working of an invention mode as shown in Figure 1, is made of the first portable phone CP1 of deal maker's operation and second portable phone, common communication circuit, bar code conversion server S V1, database SB and the AP server account settlement server SV2 of guest (client) operation.
Bar code conversion server S V1 is according to data such as the ID that receives from the first portable phone CP1, sales item, the amount of money, and reference database DB generates the bar code of settling accounts usefulness.This bar code is equivalent to ask single existing bar code that shows of going up.That is, will be from the bar code of data conversions such as the ID of the first portable phone CP1, sales item, the amount of money for clearing usefulness.The data of carrying out this conversion and using (data that need with clearing houses such as ID corresponding client sign indicating number, credits card, with data such as the corresponding amount of money of sales item and discount rate or the like) have been stored among the database D B in advance.
The bar code that AP server account settlement server SV2 receives after the conversion carries out settlement process.
Then, the method with reference to 2 pairs of working of an invention modes of figure describes.
At deal maker (the express delivery undertaker of family etc.) access customer family, under the situation of settling accounts of accepting commission, at first, be registered to bar code conversion server S V1 (100).Fig. 3 represents the picture registered.
After registration, predetermined data are sent to bar code conversion server S V1 (101).These data are to generate the required data of bar code (bar code of the single expression of the request before being equivalent to) that this clearing house carry out the client needs.These data for example are deal maker ID, contract number and the amount of money.Fig. 4 represents to import the picture of these data.
After accepting data from the first portable phone CP1, bar code conversion server S V1 is the bar code (102) that the clearing house needs with this data conversion, simultaneously, the bar code after the conversion is delivered to the first portable phone CP1 (103).The first portable phone CP1 shows the corresponding bar code of being accepted (104) on picture.Fig. 5 represents the example of the display frame of bar code.
Read in the first portable phone CP1 by the second portable phone CP2 and go up the bar code (105) that shows.Followingly carry out settlement process (106～116) according to corresponding bar code.Settlement process is further described in the back.
By the second portable phone corresponding bar code (106) of decoding, visit AP server (107) sends bar code decoding data (108).After accepting the bar code decoding data, the AP server generates settlement information (109).The AP server sends settlement requests (110) to account settlement server, carries out settlement process (111) by account settlement server, and checkout result is turned back to AP server (112).From the AP server checkout result is delivered to first and second portable phones (113,115), and show checkout result (114,116) by each portable phone.During before sending checkout result here, as shown in Figure 6 picture is presented on the first portable phone CP1, after having sent checkout result here, shows picture as shown in Figure 7.Finish clearing constantly at this.
Also can use personal computer to replace the first portable phone CP1.Thus, can replace fixed CAT terminal.Fig. 8 and Fig. 9 represent this example.We can say that personal computer PC is the first portable phone CP1 and bar code conversion server S V1 to be combined into one thing.Its action is identical with the situation of Fig. 1 and Fig. 2, so omit explanation.
The working of an invention mode has following advantage.Have
Do not need the expensive portable CAT of using terminal.
Owing to do not carry out the exchange of cash, do not need the petty cash management.
Owing to do not handle cash, so do not need to deposit in service charge.
Everybody can collect by shirtsleeve operation, and can confirm then and there.
Owing to settling accounts of guest, and need not allow the deal maker take care of credit card at the moment, so can eliminate credit card is used the guest who causes by malice uneasiness.Do not worry so-called theft.
Different with the CAT terminal of portable usefulness, under the situation during decision incident etc., also can carry out correspondence.
Because former state is used portable phone, so do not need the telephone line fixed.
Also can be with the customer management system etc. of settlement information simple application in other.
Can manage a plurality of deal makers' clearing situation concentratedly.
From the guest, do not need credit card is passed to the other side, can feel at ease very much, can be by the advantage of the simple payment of credit card network bank.
The present invention is except the clearing of credit card, also applicable to so-called internet specialized bank's (Internet bank) network payment and the generally payment of the so-called mobile banking of bank.
The working of an invention mode can also can be used under the situation below.
Client's real-time clearing face to face in extensive shop
Visit is sold
Small-scale hospital
The clearing of destination such as pay a home visit
" clearing of meal platform " in restaurant etc.
Dai Yunye, individual taxi
Many shops fashion mansion, stand, the open-air sale
The displaying of site of activity, celebration etc. is sold
Deliver goods is got home, the forwarding business of lightweight goods and bicycle deliver goods etc.
Deliver goods get home Piza (Pizza), common eating etc.
Then, processing and the employed system to the symbol 106～116 of Figure 14 applies explanation.Following explanation is based on the general remark that the bar code that has used portable phone carries out settlement process, for according to circumstances remarking additionally with the distinctive aspect of said method and system.
Figure 10 is the block diagram of the entire system of expression embodiments of the present invention (based on the settlement process of bar code).
The system/method of embodiments of the present invention (based on the settlement process of bar code) provides following service.
(1) for the payment of the request list of the tape font code that has been undertaken by bank of convenience store post office, use portable phone, no matter when, no matter where, the service that payment all can use the portable phone of oneself easily to carry out.
(2) common cost is promptly entrusted payment system: when urgent removal of home etc. is urgent and during unpaid request, as long as portable phone is arranged, and the just service that can pay
Because the notice that clearing are finished is sent to the enterprise that settles a bargain in real time, so the user can restart to use at once.
Among the figure, CP is the portable phone that band reads the bar code function.Nearly all portable phone all has camera function, uses video camera to take bar code, and a plurality of portable phones further have the function of coming the decoding bar font code by Flame Image Process.
The credit settlement server 4 of the system of embodiments of the present invention (based on the settlement process of bar code) and the electronic money service server 3 of electronic money service company, clearing part, post office deposit system of bank account settlement server 5 communicate.
Figure 11 is the process flow diagram of the system handles of expression embodiments of the present invention (based on the settlement process of bar code).Below, come the action of the system/method of embodiments of the present invention (based on the settlement process of bar code) is illustrated with reference to Figure 10 and Figure 11.
Be to carry out the system/method of embodiments of the present invention (based on the settlement process of bar code), down load application program in advance in the portable phone CP of tape font code read functions.By means of this program, the computing machine that this portable phone can act as subminiature network connection works.
By means of this program, this portable phone just has the POS scanner identical functions with CVS (Convenience Store), and the POS scanner of the CVS clearing usefulness that can provide more than 4,000 ten thousand is provided.
Carry out the program (S1) of embodiments of the present invention (based on the settlement process of bar code) by the portable phone of tape font code read functions.
The menu that shows on the picture of user by the portable phone of Figure 12 is selected " beginning payment ".After accepting this selection, the portable phone that the following describes is carried out payment processes (S2).
The bar code of user by the portable phone of Figure 13 reads picture and presses " reading " button.After accepting button and pressing, portable phone starts video camera (or barcode reader) (S3).
The user makes video camera face toward the pay demand note (request is single) of tape font code, takes by the bar code of portable phone printing and (takes the bar code (with reference to figure 5) that shows by the second portable phone CP2 on the picture of the first portable phone CP1.Portable phone is handled photographic images, the bar code (S4) of decoding captured.As shown in figure 14, can take the single bar code of a plurality of requests.Portable phone has the JAN of reading sign indicating number and QR sign indicating number, the function of its content of decoding.
Request is single goes up the bar code that shows three sections and four sections, and the former comprises enterprise's name, finance yard, amount of money sign indicating number, and the latter further comprises the sign indicating number date of payment.The decoding of bar code is carried out in portable phone, and decoded data are delivered to server.
In addition, also use EAN sign indicating number (European Article Number) recently.It is the code of 128 bits, and is just passable by one section demonstration.Owing to do not have the demoder that is used to analyze this code in the portable phone,, after decoding by this graphical analysis server, its result turned back to portable phone so send images to special-purpose graphical analysis server (not shown) from portable phone.Show by portable phone according to the data of being returned.Except these aspects, the processing of EAN code is identical with the processing of JAN code.
After the shooting of the single bar code of all requests stopped, the user pressed the button of " termination is read, and is downward "." termination is read, and behind the button downwards " (Yes among the S5), portable phone begins the connection processing (S6) to server pressing.Figure 15 represents the connection picture to server.At this moment authentication can be used the authentication function of portable phone.
The data that the clearing house needs are as the relevant information of the creditable card payment of personal data (card number, valid period, CVC number), the information relevant with deposit place, bank post office (name, bank's name, subbranch's name, account (general ought), account number).These data are delivered to account settlement server.
Portable phone shows the picture (Figure 16) of payment targets, method of payment, waits for the selection of the method for payment that the user carries out and the operation (S7) of " downwards " button simultaneously.Under the situation of the registration of also not carrying out credit card, show the picture of Figure 17 and urge and carry out this input.
Portable phone shows the affirmation picture of Figure 18 and Figure 19, simultaneously, waits for user's password input.
Portable phone carries out authentication processing after the input that receives password, after authentication is passed through, the information that the clearing house needs is delivered to clearing server (S9).
If if the admitting of this clearing (admitting among the S10), portable phone is finished picture (S11) with regard to the payment that shows Figure 20 from the response of account settlement server.Under the situation of not admitting, (refuse) picture that demonstration can not be paid (S12) among the S11.
According to working of an invention mode (based on the settlement process of bar code), the JAN sign indicating number that adds on the portable phone that utilizes the band video camera, the read functions of QR sign indicating number can be provided, oneself no matter when when liking, the request of common cost of all payable tape font code etc. no matter where in company etc. in the own home.As long as portable phone is arranged, then no matter when, no matter where, all can pay in 24 hours, system simple, that feel at ease, do not need cash can be provided.
According to working of an invention mode (based on the settlement process of bar code), owing in service is used, come the credit card of each company that the registered user has, settle accounts so can save input next time by each user ID, can significantly shorten the time that the clearing house needs.Except that credit card, also can utilize the Internet bank to pay.
From contract company aspect (companies such as electricity, gas), the data that receive according to the system/method of working of an invention mode (based on the settlement process of bar code) can with the same reception of charge data of existing convenience store clearing, so do not need the new investment of recovery system, its importing is extremely simple.Because there has been the system that receives from convenience store in contract company, so only need to offer the formality of new this degree of the account of convenience store.
In addition, in addition, as urgent trust settlement function, also can have the settlement information that demonstration is promptly sent here, the function of settling accounts.
Also have,, also can have the function of judging commodity according to the bar code that is read as the bar code arbitration functions.
Also have,, also can have the function that shows settlement data in the past as the clearing history function.
Also have, also can send data by application program from portable phone, send receipt by communications such as infrared rays.
The present invention is not limited to above embodiment, can carry out various changes in the scope of invention that claim is put down in writing, and these are also contained in the scope of the present invention certainly.
Claims (5)
1. a portable phone bar code settlement method is used to carry out the settlement on networks based on credit card etc., it is characterized in that, comprising:
By first portable phone, be registered to the step on the bar code conversion server;
The data that contract number, the amount of money etc. is indicated commodity send to the step of described bar code conversion server;
By described bar code conversion server, be used to generate the database that calculates with the data of bar code according to having stored in advance, be the step that comprises the bar code of the data relevant with described data conversion with fee request;
Described bar code is sent to the step of described first portable phone;
The described bar code that is received is presented at the step on the picture of described first portable phone;
Read the step of described bar code by second portable phone;
The step of the described bar code that decoding is read;
The user of described second portable phone visits the server that the settlement process of having accepted registration is in advance used by described second portable phone, accepts the step of the authentication of the server that described settlement process uses;
When having passed through authentication, the decoded data of described bar code is sent to the step of the server that described settlement process uses from described second portable phone;
The described user's of registered in advance the information and the decoded data of described bar code on the server of using according to described settlement process generate the step of the information that is used to carry out clearing; And
The server of using by described settlement process is carried out the step of settlement process.
2. portable phone bar code settlement method according to claim 1 is characterized in that, comprising:
The server of using from described settlement process sends to the result of settlement process the step of described first and second portable phones; And
Described first and the picture of described second portable phone on show the result's of settlement process step.
3. a portable phone bar code settlement method is used to carry out the settlement on networks based on credit card etc., it is characterized in that, comprising:
Indicate the step of the data of commodity to personal computer input contract number, the amount of money etc.;
By described personal computer,, be the step that comprises the bar code of the data relevant with fee request with described data conversion according to the database of the data of having stored the bar code that is used to generate clearing usefulness in advance;
Described bar code is presented at the step on the picture of display device of described personal computer;
Read the step of described bar code by portable phone;
The step of the described bar code that decoding is read;
The user of described portable phone visits the server that the settlement process of having accepted registration is in advance used by described portable phone, accepts the step of the authentication of the server that described settlement process uses;
When having passed through authentication, the decoded data of described bar code is sent to the step of the server that described settlement process uses from described portable phone;
The described user's of registered in advance the information and the decoded data of described bar code on the server of using according to described settlement process generate the step of the information that is used to carry out clearing; And
The server of using by described settlement process is carried out the step of settlement process.
4. portable phone bar code settlement system is characterized in that:
Comprise the server that deal maker waits first portable phone have, user's second portable phone, bar code conversion server, the database that links to each other with described bar code conversion server and settlement process to use,
Described bar code conversion server with reference to described database, generates the bar code of clearing usefulness according to data such as the ID that accepts from described first portable phone, contract number, the amount of money, and described database is stored the data of the bar code that is used to generate described clearing usefulness in advance,
Described first portable phone is accepted described bar code and it is presented on the picture,
Described second portable phone reads shown described bar code,
The server that described settlement process is used is accepted described bar code and is carried out settlement process from described second portable phone.
5. portable phone bar code settlement system is characterized in that:
Comprise: user's portable phone; The personal computer that comprises the database of storing predetermined data; And the server used of settlement process,
Described personal computer with reference to described database, generates the bar code of clearing usefulness according to data such as the ID that is imported, contract number, the amount of money, this bar code is presented on the display device,
Described database is stored the data of the bar code that is used to generate described clearing usefulness in advance,
Described portable phone reads shown described bar code,
The server that described settlement process is used is accepted described bar code and is carried out settlement process from described portable phone.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP2007052108A JP2008217277A (en) | 2007-03-01 | 2007-03-01 | Mobile-phone barcode payment method and system |
| JP2007052108 | 2007-03-01 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN101256652A true CN101256652A (en) | 2008-09-03 |
Family
ID=39837264
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2007101032813A Pending CN101256652A (en) | 2007-03-01 | 2007-05-15 | Portable phone bar code settlement method and system |
Country Status (2)
| Country | Link |
|---|---|
| JP (1) | JP2008217277A (en) |
| CN (1) | CN101256652A (en) |
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