JP2002358466A - Method and system for paying charge and center managing device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for charge payment with which secret information is protected when a charge is paid cashlessly, a payment destination can confirm the amount of the charge paid, and is superior in convenience, and to provide a system for charge payment and a center managing device used for the charge payment system. SOLUTION: A portable terminal device 2 sends payment destination specification information specifying the payment destination of the charge, the amount of the charge, and payer identification information on a telephone number, etc., identifying the payer of the charge to the center managing device 1. The center managing device 1 sends the amount of the charge to a payment destination terminal device 3 and a person in charge at the payment destination confirms the received amount and sends amount confirmation information from the payment destination terminal device 3 to the center managing device 1. The center managing device 1 stores the amount of payment to act to pay the charge to the payment destination on the payer's behalf and records an amount of collection to collect the charge from the payer.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a fee payment method and a fee payment system for paying various fees cashlessly by using an information terminal device such as a mobile phone, and a central management device used for the fee payment system.

[0002]

2. Description of the Related Art In a method of paying various fees using cash, a payer must always carry cash and count cash when paying a fee. It is necessary to prepare and manage the collected cash, and there is a problem that both are troublesome and there is a risk of theft. For this reason,
Conventionally, cashless payment methods such as credit cards have been used.

[0003] Also, Japanese Patent Application Laid-Open No. 2001-34691 discloses a fee payment system using a portable terminal device such as a mobile phone, which has become very popular in recent years. In this fee payment system, a payment terminal such as a store or a taxi is provided with a payment terminal, and the payment amount information and specific information for specifying the payment destination are transmitted from the payment terminal by short-range wireless communication or the like to the mobile terminal of the fee payer. The mobile terminal device transmits the received amount information and specific information and the identification information for identifying the payer to the central management device, and the central management device transmits the information to the financial institution from the received specific information and identification information. Of the payer and the account of the payer at the time of the transfer, the processing of the transfer from the account of the payer to the account of the payee is performed by the management device of each financial institution. Thus, various charges can be paid cashlessly only by using a mobile terminal device such as a mobile phone.

[0004]

When paying a fee using a credit card, the payer of the fee must present the card number of the credit card to the payee,
In addition, there is a case where personal information such as a date of birth is required in addition to a sign or the like for identity verification, and there is a problem that secret information such as a card number or personal information may be leaked. In the fee payment system disclosed in Japanese Patent Application Laid-Open No. 2001-34691, a management device of a financial institution having an account of a payer and a management device of a financial institution having an account of a payee are incorporated in the system. However, there is a problem that financial institutions that are not incorporated in the system cannot be used and thus lack convenience. In addition, since the payer pays the fee individually to each payee, there is a problem that management of withdrawal becomes complicated. Furthermore, there is a problem that the payee does not have a chance to confirm that the amount of the fee input from the portable terminal device to the central device is correct before the fee is transferred.

[0005] The present invention has been made in view of such circumstances, and a purpose thereof is to carry secret information such as personal information required for payment of a fee without human intervention. An object of the present invention is to provide a fee payment method, a fee payment system, and a central management device used for the fee payment system, in which secret information is not leaked by direct transmission by a payer from a portable terminal device such as a telephone. .

[0006] Another object of the present invention is as follows.
Without incorporating the management device of the financial institution into the system, a company that operates a central management device that manages information related to the fee transmitted from the mobile terminal device pays the fee to the payee on behalf of the company, By collecting the fee from the payer, convenience is increased by not restricting the financial institutions that can be used, and the payer is required to pay the fee only to the business operator. It is an object of the present invention to provide a fee payment method, a fee payment system, and a central management device used for the fee payment system that can simplify management.

It is another object of the present invention that the central management unit requests the payment destination to confirm the amount of the fee, so that the payment destination can receive the payment before the payment is processed. It is an object of the present invention to provide a charge payment method, a charge payment system, and a central management device used for the charge payment system capable of confirming the amount of money.

[0008]

According to a first aspect of the present invention, there is provided a fee payment method, wherein information relating to a fee is transmitted from a portable terminal device having a communication function to a central management device, and the central management device manages the payment of the fee. In the method of paying a fee, when the payer pays the fee, the portable terminal device specifies payer identification information for identifying the payer and a payee terminal device used by the payee of the fee. Payment destination identification information and fee information indicating the amount of the fee are transmitted to the central management device, and the central management device transmits the received fee information to the payment destination terminal device specified by the received payment destination identification information. A fee confirmation request for confirmation is transmitted, and the payment destination terminal device indicates that the fee information has been confirmed when the content of the fee information indicated by the received fee confirmation request is correct. The central management device that has transmitted the charge confirmation information to the central management device and received the charge confirmation information, pays the amount corresponding to the charge information to the payee specified by the received payee identification information. And storing the amount corresponding to the charge information as the amount to be collected from the payer identified by the received payer identification information.

According to a second aspect of the present invention, there is provided a method for paying a fee by transmitting information relating to a fee from a portable terminal device having a communication function to a central management device, and the central management device managing the payment of the fee. In the case where the fee payer pays the fee, the portable terminal device includes payer identification information for identifying the payer, and payee identification information for identifying the payee terminal device used by the payee,
The central management device transmits fee information indicating the amount of the fee to the central management device, and the central management device confirms the received fee information to the payment destination terminal device specified by the received payment destination identification information. Transmitting a request, the payment destination terminal device, if the content of the fee information indicated by the received fee confirmation request is correct, transmits to the central management device fee confirmation information indicating that the fee information has been confirmed, The central management device that has received the fee confirmation information adds the amount corresponding to the fee information to the payment amount recorded in a state of being unpaid for the payee specified by the received payee identification information. Performing a process of adding an amount corresponding to the fee information to a collected amount recorded in a state of not being collected for a payer identified by the received payer identification information. To.

[0010] A fee payment system according to a third aspect of the present invention includes a portable terminal device having a communication function and a central management device for receiving fee information from the portable terminal device, and the central management device manages payment of the fee. In a fee payment system for paying a fee, a payee terminal includes a payee terminal device connected to the central management device, wherein the portable terminal device includes payer identification information for identifying a payer of the fee. Comprising means for transmitting payment destination specifying information for specifying the payment destination terminal device and fee information indicating the amount of the fee to the central management device, wherein the central management device includes:
Means for storing a payment amount that is unpaid to the payee identified by the received payee identification information;
Means for storing a collection amount that has not been collected for the payer identified from the received payer identification information, and to the payee terminal device specified by the received payee identification information,
Means for transmitting a charge confirmation request for confirming the received charge information, and, when charge confirmation information indicating that the charge information has been confirmed is received from the payee terminal device, an amount corresponding to the charge information Add to the payment amount,
Means for adding an amount corresponding to the charge information to the collected amount, wherein the payee terminal device is configured to set the charge when the content of the charge information indicated by the charge confirmation request received from the central management device is correct. It is characterized by comprising means for transmitting confirmation information to the central management device.

A central management device according to a fourth aspect of the present invention is a central management device for receiving information regarding a fee from an external device and managing payment of the fee, wherein payer identification information for identifying a payer of the fee from the external device. Means for receiving payee specifying information for specifying the payee of the charge, and charge information indicating the amount of the charge, and a payment amount that has not been paid to the payee specified by the received payee specific information. Means for storing, means for storing the amount of money not yet collected for the payer identified from the received payer identification information, and means for receiving to the other external device specified from the payee identification information. Means for transmitting a charge confirmation request for confirming the charge information, and, when charge confirmation information indicating that the charge information has been confirmed is received from the device, a request corresponding to the charge information is received. It adds the amount to the payment amount, characterized in that the amount corresponding to the charge information and means for adding to the collected amount.

[0012] In the first invention, when the fee payer pays the fee without cash, the payer identification information for identifying the payee, the fee amount, the telephone number, and the like are transmitted from the portable terminal device. And the payer identification information for identifying the payer of the request. Thereby, since the payer himself / herself transmits confidential information such as personal information directly without human intervention, it is possible to avoid the risk that the confidential information presented to the payee is leaked by the payer. . Next, the central management device transmits the fee amount to the payee terminal device, and the payee terminal device that has received the fee amount or a person in charge of the payee who has observed the fee amount displayed on the payee terminal device Confirms the amount of the fee, and transmits the amount confirmation information from the payee terminal device to the central management device. Thus, the payee can confirm the amount of the fee. Next, the central management device stores the amount of the fee as a payment amount to be paid to the payee, and at the same time, stores the amount of the fee as a collection amount to be collected from the payer. As a result, convenience is increased because the management device of the financial institution is not incorporated in the system and the available financial institution is not limited.

[0013] In the second, third and fourth inventions, the central management device stores a payment amount that has not been paid to the payee, and a collection amount that has not been collected to the payer. I remember the amount. The central management device,
The payment amount and the collection amount are updated by adding the amount of the received fee, and payment and collection are settled by a predetermined method such as monthly settlement. As a result, the convenience is increased without restricting the financial institution that can be used because the management device of the financial institution is not incorporated in the system, and the payer can pay out the payment in one place because the payment is paid to one place. Management is simplified.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be specifically described below with reference to the drawings showing the embodiments. In the present embodiment, an example will be described in which a communication carrier such as a mobile phone company that manages communication of a mobile terminal device pays and collects fees.

FIG. 1 is a schematic diagram showing a configuration of a fee payment system of the present invention. In the figure, reference numeral 1 denotes a central management device according to the present invention, which is connected to a communication network 4 such as the Internet. A plurality of mobile terminal devices 2, 2,... Such as a mobile phone or a PDA are connected to the communication network 4, and a plurality of payment terminal devices 3, 3,. It is connected and inputs and outputs information to and from the central management device 1 via the communication network 4 to constitute a fee payment system according to the present invention.

The central management device 1 is configured using a computer, and includes a CPU 11 for performing calculations, a RAM 12, and an internal storage device 16 such as a hard disk, and stores a program stored in the internal storage device 16 in the RAM 12. After loading, the CPU 11 executes processing necessary for the central management device 1 based on the program. Further, the central management device 1 includes an input unit 13 such as a keyboard or a mouse and an output unit 14 such as a liquid crystal display or a CRT display, and outputs information necessary for operating the central management device 1 to the output unit 1.
4 and the input unit 13 accepts the operation of the person in charge. Further, the central management device 1 includes a communication unit 15 for connecting to the communication network 4, and transmits information to the portable terminal devices 2, 2,. Is input and output.

The central management device 1 is operated by a communication carrier and manages communication using the portable terminal devices 2, 2,..., The respective users of the portable terminal devices 2, 2,. Information such as a communication fee accompanying the communication is stored in the internal storage device 16. The internal storage device 16 stores user information 16a that is information of a user of the portable terminal device 2, payment destination information 16b that is information of a payment destination such as a store or a taxi company, and monthly information from each user. Collection fee information 16c which is information on fees collected by a predetermined method such as collection.
And payment amount information 16d, which is information on charges to be paid to each payee by a predetermined method such as monthly payment.

FIG. 2 is a block diagram showing an internal configuration of the portable terminal device 2. The mobile terminal device 2 performs a calculation C
A PU 21, a RAM 22, and a ROM 26 are provided, and a program stored in the ROM 26 is stored in the CPU 2.
1 and the RAM 22 stores temporary data generated by the execution of the CPU 21. Mobile terminal device 2
Comprises an input unit 23 such as a numeric keypad, an output unit 24 such as a liquid crystal display, and a communication unit 25 for connecting to the communication network 4, and transmits information input from the input unit 23 to the communication network 4. To the central management device 1, receive information from the central management device 1, and output the transmitted / received information to the output unit 24.

The portable terminal device 2 stores its own telephone number in the ROM 26, and the telephone numbers of the portable terminal devices 2, 2,... Are stored in the internal storage device 16 of the central management device 1. User information 16a.
FIG. 3 is a conceptual diagram showing an example of the contents of the user information 16a. In the user information 16a, the mobile terminal devices 2, 2,... Are associated with the respective telephone numbers of the mobile terminal devices 2, 2,.
The information of each user and the contact information of the user is recorded.

FIG. 4 is a perspective view showing an example of the payee terminal device 3. The payee terminal device 3 is incorporated in, for example, a register provided in a store that is a payee, and is connected to the central management device 1 via the communication network 4.
An output unit 31 such as a liquid crystal display for outputting information received from the central management device 1 and an input unit 32 such as a numeric keypad for inputting information to be transmitted to the central management device 1 are provided. Operated. Further, as another form of the payee terminal device 3, when used in a taxi, for example, the payment terminal device 3 includes an output unit 31 and an input unit 32 incorporated in a front panel of the taxi, and is connected to the central management device 1 by wireless. Operated by the person in charge. Further, the payee terminal device 3 may be a mobile terminal device such as a mobile phone.

Each of the payee terminal devices 3, 3,.
A terminal ID for identifying each terminal is assigned, and each terminal I
D is managed by payee information 16b stored in the internal storage device 16 of the central management device 1. FIG. 5 is a conceptual diagram showing an example of the contents of the payee information 16b. The terminal IDs of the payee terminal devices 3, 3,... Used at the respective payees are recorded in association with information such as contact information of payees of shops or taxi companies. For example, in the case of a store, a terminal ID for specifying each of the payee terminal devices 3, 3,... Incorporated in a plurality of registers is provided.
A terminal ID for specifying each of the payee terminal devices 3, 3,... Provided for each of the plurality of taxis is recorded.

The processing performed by the fee payment system of the present invention will be described with reference to a flowchart. FIG. 6 is a flowchart showing a procedure of a transaction process performed by the fee payment system of the present invention when performing a transaction without cash. The user of the portable terminal device 2 receives a charge when shopping at a store or taking a taxi. A terminal ID for specifying the payee terminal device 3 is displayed to the user on the payee terminal device 3 provided in a store or a taxi, and the user who is the payer of the fee is
The amount of the charged fee and the terminal ID are input to the mobile terminal device 2 using the input unit 23, and the mobile terminal device 2 receives the input of the amount and the terminal ID (S101). Next, the mobile terminal device 2 is connected to the central management device 1 and, when the user presses a transmission button or the like, the received money amount, the terminal ID, and the mobile terminal device as identification information for identifying the user. The telephone number 2 is transmitted to the central management device 1 (S102).

Next, the central management device 1
, The amount of money, the terminal ID, and the telephone number of the portable terminal device 2 are received (S103), and the information of the received amount of money is transmitted to the payee terminal device 3 specified by the received terminal ID (S104). The payment terminal device 3 is a central management device 1
(S105), and outputs the received amount to the output unit 31 (S106). The person in charge of operating the payment terminal device 3 at a store or a taxi checks the amount output on the output unit 31, and if the amount is correct, inputs an amount check from the input unit 32. The payee terminal device 3 monitors the input of the amount confirmation from the person in charge (S107), and when there is the input of the amount confirmation, transmits the confirmation information of the amount to the central management device 1 (S108).
At the point of step S108, the transaction between the payee such as a store or a taxi and the user ends. If there is no input of the amount confirmation in step S107, the transaction processing ends, and the transaction between the payee and the user is performed using another method such as cash transaction. It should be noted that the confirmation of the amount received by the payee terminal device 3 may be performed by the payee terminal device 3 to which the amount has been input by the person in charge.

Next, the central management device 1 receives the confirmation information of the amount from the payee terminal device 3 (S109), and responds to the fee collected from the user identified by the telephone number according to the confirmed amount. The payment amount information 16c is updated by adding the amount to be paid, and the payment amount information 16d is updated by adding the amount corresponding to the confirmed amount to the amount paid to the payee specified by the terminal ID (S110). FIG. 7 and FIG.
It is a conceptual diagram which shows the example of the content of collection charge information 16c and payment amount information 16d. In the collection fee information 16c, for each user, a fee to be paid to a payee such as a store or a taxi company is recorded for each payee in addition to fees such as a basic communication fee and a communication fee. I have. The payment amount information 16d records, for each payee, information such as the ID of the terminal that has made a transaction and the amount to be paid. The amount added to the collected fee information 16c and the payment amount information 16d can be subjected to an operation such as a discount or a fee addition, and they do not need to be equal to each other. It need not be the same as the amount given. Step S11
At 0, the fee payment system of the present invention ends the transaction processing.

FIG. 9 is a flowchart showing the procedure of the settlement process performed by the central management device 1. The person in charge of the telecommunications carrier operating the central management apparatus 1 inputs a payment processing instruction from the input unit 13 to the central management apparatus 1 at a time when payment should be performed, such as a specific day of each month, and the central management apparatus 1 Accepts an input of a settlement processing instruction (S201). The central management device 1 determines whether the settlement processing that has been instructed is a charge collection processing or a charge payment processing (S20).
2) In the case of collection processing, collection of fees from users, such as debiting each user from the account of the financial institution or issuing a billing slip and charging the fee (S203), and the process ends. If it is the payment processing in step S202,
The central management device 1 performs payment processing such as transferring money to the account of the financial institution or issuing a payment slip to pay the payment to each payee (S2).
04), the process ends.

As described in detail above, the fee payment system of the present invention manages fee information input using the portable terminal device 2 and pays the fee to a payee on behalf of the fee payment system.
A fee is collected from the user of the mobile terminal device 2. When the fee information is input, the phone number of the mobile terminal device 2 that is confidential information is transmitted without human intervention, so that the risk of the confidential information leaking is reduced. In addition, the central management device 1
Transmits the amount of the fee to the payee terminal device 3, the payee can confirm the amount of the fee to be paid. In addition, since the user of the portable terminal device 2 and the financial institution used by the payee are not restricted, the convenience is increased as compared with the case where the management device of the financial institution is incorporated in the system. Furthermore, since the user of the portable terminal device 2 pays the fee is limited to the telecommunications carrier operating the central management device 1, the management of the withdrawal is simpler than in the case where the fee is individually transferred to each payee. Become

In the present embodiment, the amount of the fee and the terminal ID for specifying the payee terminal device 3 are stored in the input unit 23.
Has been described, the information is input to the mobile terminal device 2 by the user, but is input directly from the payee terminal device 3 to the mobile terminal device 2 using an information transmission method such as optical communication or short-range wireless communication. It is good also as a form. Further, although the configuration in which the central management device 1 is configured using one computer has been described, the configuration may be configured using a plurality of computers connected to each other. In addition, although a mode in which a telephone number is used as identification information for identifying a user of the mobile terminal device 2 has been described, a user ID is separately set, and the user ID is transmitted from the mobile terminal device 2 during transaction processing. May be used. When information is input from the mobile terminal device 2 to the central management device 1, a step of inputting a password may be provided to prevent theft, and the user may be authenticated.

In the present embodiment, the method of performing the payment of the fee and the settlement of the collection on a regular basis, such as once a month, has been described. However, the present invention is not limited to this method. A method of immediately deducting a fee from the user of the terminal device 2 following the transaction processing may be used, or a method combining periodic settlement and immediate settlement may be used. By combining the settlement methods, a method that is more convenient for each user and payee can be selected. In the present embodiment,
The central management device 1 is operated by a telecommunications carrier, and various fees are collected from the user of the portable terminal device 2 together with the communication fee. However, the present invention is not limited to this. It may be operated by a company other than the telecommunications carrier, such as a carrier.

[0029]

According to the first aspect of the present invention, the payer of the fee
When paying the fee without cash, the confidential information, which is the payer identification information for identifying the payer, is transmitted from the mobile terminal device without human intervention, so there is no need to present the confidential information to the payee, The risk of leaking confidential information is reduced. In addition, the central management apparatus to which the information on the fee amount is input transmits the fee amount to the payee terminal device provided at the payee, so that the payee can confirm the fee amount. In addition, convenience is increased for payers and payees because the financial institutions that can be used are not limited.

In the second, third and fourth aspects of the present invention, the central management device accumulates fee information, pays the fee on behalf of the fee payer, and collects the fee from the payer. In addition, the present invention has excellent effects, such as increased convenience without restricting the financial institutions that can be used, and simplifying the management of payment by the payer in one place where payers pay the fee. .

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a configuration of a fee payment system of the present invention.

FIG. 2 is a block diagram showing an internal configuration of the mobile terminal device.

FIG. 3 is a conceptual diagram showing an example of contents of user information.

FIG. 4 is a perspective view showing an example of a payee terminal device.

FIG. 5 is a conceptual diagram showing an example of contents of payee information.

FIG. 6 is a flowchart showing a procedure of a transaction process performed by the fee payment system of the present invention when performing a transaction without cash.

FIG. 7 is a conceptual diagram showing an example of contents of collected fee information.

FIG. 8 is a conceptual diagram showing an example of the contents of payment amount information.

FIG. 9 is a flowchart illustrating a procedure of a settlement process performed by the central management device.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Central management device 2 Portable terminal device 3 Payment destination terminal device 4 Communication network

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification code FI Theme coat ゛ (Reference)

Claims (4)

[Claims] 1. A method of transmitting information related to a fee from a portable terminal device having a communication function to a central management device and paying the fee by managing the payment of the fee by the central management device. In the case of paying, the mobile terminal device includes payer identification information for identifying the payer, payee identification information for specifying a payee terminal device used by the payee, and charge information indicating the amount of the charge. To the central management device, the central management device transmits a charge confirmation request for confirming the received charge information to the payee terminal device specified from the received payee identification information, When the content of the fee information indicated by the received fee confirmation request is correct, the terminal device transmits to the central management device fee confirmation information indicating that the fee information has been confirmed, Is the central management apparatus that receives money confirmation information,
The amount corresponding to the charge information is stored as a payment amount to be paid to the payee specified by the received payee identification information, and the amount corresponding to the charge information is determined by the received payer identification information. A fee payment method characterized by storing as a collection amount to be collected from a user. 2. A method of transmitting information relating to a fee from a portable terminal device having a communication function to a central management device, and the central management device paying the fee by managing the payment of the fee. In the case of paying, the mobile terminal device includes payer identification information for identifying the payer, payee identification information for specifying a payee terminal device used by the payee, and charge information indicating the amount of the charge. To the central management device, the central management device transmits a charge confirmation request for confirming the received charge information to the payee terminal device specified from the received payee identification information, When the content of the fee information indicated by the received fee confirmation request is correct, the terminal device transmits to the central management device fee confirmation information indicating that the fee information has been confirmed, Is the central management apparatus that receives money confirmation information,
The payer identified by the payer identification information is added to the payment amount recorded in the unpaid state for the payee specified by the received payee identification information and the amount corresponding to the fee information. A method of adding a charge corresponding to the charge information to a charge collected in a state in which the charge is not yet collected. 3. A mobile terminal device having a communication function, and a central management device for receiving information on a fee from the mobile terminal device, wherein the central management device manages the payment of the fee and pays the fee. In the payment system, a payee terminal includes a payee terminal device connected to the central management device, wherein the mobile terminal device specifies payer identification information for identifying a payer of the fee, and specifies the payee terminal device. Means for transmitting payee identification information and fee information indicating the amount of the fee to the central management device, wherein the central management device transmits unpaid information to the payee specified by the received payee identification information. Means for storing a payment amount in a state, means for storing a collected amount not collected for a payer identified by the received payer identification information, and a received payment Means for transmitting a charge confirmation request for confirming the received charge information to the payee terminal device specified by the customer identification information, and charge confirmation information indicating that the charge information has been confirmed; Means for adding an amount corresponding to the charge information to the payment amount when receiving from the device, and adding an amount corresponding to the charge information to the collected amount. A fee payment system comprising: means for transmitting the fee confirmation information to the central management device when the content of the fee information indicated by the fee confirmation request received from the management device is correct. 4. A central management device for receiving information on a fee from an external device and managing payment of the fee, wherein payer identification information for identifying a payer of the fee and a payee of the fee are specified from the external device. Means for receiving payee identification information and fee information indicating the amount of the fee, means for storing a payment amount that is unpaid to the payee identified by the received payee identification information, and received payment Means for storing the amount of money not collected for the payer identified by the payer identification information, and a fee for confirming the received fee information to another external device identified from the payee identification information. Means for transmitting a confirmation request, and when fee confirmation information indicating that the fee information has been confirmed is received from the device, an amount corresponding to the fee information is added to the payment amount. , The central management apparatus characterized by comprising a means for adding an amount corresponding to the charge information to the collected amount.