JP2003123005A - Settlement mediating device, settlement processing system, information providing system and settlement mediating method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To eliminate intervention of a shop clerk in a settlement processing in merchandise purchase and to prevent a credit card number or the like from being recognized by a retailer. SOLUTION: A settlement mediation server 3 registers a settlement account, a settlement agent ID corresponding to the settlement account and a merchandise delivery destination for each consumer beforehand and a retailer server 2 registers a sales price for each merchandise beforehand. When a consumer ID, a merchandise ID and an account mediator ID are transmitted from a portable terminal 1 of the consumer, the retailer server 2 transmits the consumer ID, sales prices information and a retailer ID, etc., to the settlement mediation server 3. In the settlement mediation server 3, the settlement account and a corresponding settlement server are selected by the consumer ID and the sales price information, the retailer ID and settlement account information, etc., are transmitted to the selected settlement server 4. When the settlement is approved in the settlement server 4, the delivery destination is transmitted to the retailer server 2 together with a notification of settlement approval. When the settlement is denied, the settlement is requested in the other selectable settlement account.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and a method for realizing online payment accompanying a consumer's purchasing behavior using a mobile terminal.

[0002]

2. Description of the Related Art As conventional techniques, there are a credit card payment method using a credit card and a DebitCard payment method by transfer between bank accounts.

[0003]

In credit card settlement, it is necessary to carry a card with a credit card number engraved on it, and there is a possibility that it will be illegally used when lost. In particular, there is no way to prevent the retailer from knowing the credit card number when taking out a credit card and giving it to a clerk at a store for operation.
In addition, when purchasing a product at a general store or catalog shopping and wishing to deliver it, it is necessary to write the delivery address on paper or input it into the terminal.

The present invention has been made to solve the above problems. A credit card number is registered in advance in a settlement intermediary server, a consumer ID is input to a mobile terminal, and the consumer ID is transmitted to a retailer server. By making a payment request via a payment intermediary server, a system and method can be obtained in which the intervention of a store clerk is eliminated in a series of operations from the acquisition of a quote to the payment request, and the credit card number is prevented from being known to retailers. Further, by providing the storage means and the short-range communication means in the mobile terminal, the system and method of the payment operation using the mobile terminal can be obtained more easily. Further, by registering a plurality of credit card numbers together with priorities and conditions in the settlement intermediary server, a system and method for automatically using a plurality of credit cards can be obtained.

[0005]

SUMMARY OF THE INVENTION A settlement intermediary device according to the present invention performs at least one or more retailer devices holding information on products of a retailer and a settlement process for selling products between the retailer and consumers. A payment intermediary device that communicates with at least one payment processing device, and mediates the payment process between the retailer device and the payment processing device. A payment attribute information recording unit that records payment attribute information indicating at least one payment account to be used and a payment processing device corresponding to each payment account, and identification information of a consumer to be paid by one of the retailer devices. And a communication unit that receives a payment intermediary request including the identification information of the retailer targeted for payment and the payment amount information indicating the payment amount, and the identification information of the consumer targeted for payment. The corresponding payment attribute information is searched as the target payment attribute information from the payment attribute information recording unit, and a specific payment account is set as the target payment account from at least one or more payment accounts indicated in the searched target payment attribute information. A payment attribute information management unit to be selected,
A payment request generation unit that includes the identification information of the retailer of the payment target and the payment amount information, and generates a payment request for requesting a payment process to the target payment account; and the communication unit includes the target The payment request is transmitted to a payment processing apparatus corresponding to the payment account.

The payment attribute information recording unit records, for each consumer, payment attribute information indicating a payment condition corresponding to each of at least one payment account, and the payment attribute information management unit records the payment amount. It is characterized in that a payment account with a payment condition that matches the payment amount shown in the information is selected as a target payment account.

The payment attribute information recording section indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with any one of the consumers. If the target settlement attribute information is the priority setting settlement attribute information, the settlement attribute information management unit indicates the target settlement attribute information based on the priority indicated in the target settlement attribute information. It is characterized in that a specific payment account is selected as a target payment account from a plurality of payment accounts.

The payment attribute information recording unit records delivery destination information indicating a delivery address of a product as a part of the payment attribute information, and the communication unit is a settlement processing device which is a destination of the settlement request. Receives the payment approval information indicating that the payment request is approved, the payment attribute information management unit,
When the settlement approval information is received by the communication unit, delivery destination information is obtained from the target settlement attribute information, and the communication unit communicates with the delivery destination information obtained by the settlement attribute information management unit. The payment approval information received by the unit is transmitted to the retailer device which is the transmission source of the payment intermediation request.

The payment attribute information recording unit records payment attribute information indicating a plurality of payment accounts and a payment processing device corresponding to each of the plurality of payment accounts in association with one of the consumers, and the communication unit , Settlement denial information indicating that the settlement request is rejected is received from the settlement processing device that is the destination of the settlement request, and the settlement attribute information management unit receives the settlement denial information by the communication unit. In the case where a plurality of payment accounts are indicated in the target payment attribute information, any one of the payment accounts other than the one already selected from the plurality of payment accounts indicated in the target payment attribute information. A payment account is selected as a target payment account, and the payment request generation unit includes identification information of the retailer targeted for payment and the payment amount information. Generates a payment request to the settlement process to the target payment account, the communication unit, to the settlement processing unit corresponding to the target payment account, and transmits the payment request.

The payment attribute information recording unit indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with one of the consumers. However, the settlement attribute information management unit, when the settlement refusal information is received by the communication unit and the target settlement attribute information is the priority setting settlement attribute information, sets the target settlement attribute information to the target settlement attribute information. It is characterized in that, based on the indicated priority, any payment account other than the payment account already selected from the plurality of payment accounts indicated by the target payment attribute information is selected as the target payment account.

The communication unit receives settlement rejection information indicating that the settlement request has been rejected from the settlement processing device, which is the destination of the settlement request, and the settlement attribute information management unit uses the communication unit. When the settlement refusal information is received, it is determined whether or not there is another selectable settlement account in the target settlement attribute information, and the communication unit causes the settlement attribute information management unit to perform the target settlement attribute. When it is determined that there is no other selectable payment account in the information, the payment refusal information is transmitted to the retailer device that has transmitted the search mediation request.

[0012] The payment processing system according to the present invention has a retailer device that holds information about products of a retailer and communicates with at least one or more consumer terminals used by consumers, and at least one or more payment intermediaries. Managed by the retailer device and the at least one payment processing device for performing payment processing relating to the sale of merchandise and at least one payment intermediary device for communication, the retailer device comprising: , Retail price information indicating the selling price of the product of the retailer, and settlement intermediary information indicating the settlement intermediary device corresponding to each settlement intermediary for each intermediary settlement company are recorded. From one of the consumer terminals, includes the identification information of the consumer to be paid, the identification information of the product to be paid, and the identification information of the specific payment intermediary. The payment application information for applying for the payment processing regarding the payment target product is received, and the payment amount related to the payment target product is determined based on the identification information of the payment target product and the selling price information included in the payment application information. Further, the settlement intermediary device corresponding to the particular settlement intermediary is identified as the target settlement intermediary device based on the identification information of the particular settlement intermediary and the settlement intermediary information included in the settlement application information. Then, a payment intermediation request including the identification information of the consumer who is the payment target, the identification information of the retailer who is the payment target, and the payment amount information indicating the payment amount is generated, and the generated payment intermediation request is applied to the target. The payment intermediary device transmits to each payment intermediary device, and for each consumer, each payment intermediary device uses at least one payment account used for payment processing and each payment account. The payment attribute information indicating the payment processing device corresponding to the transaction is recorded, and each payment intermediary device receives the payment intermediation request transmitted from the retailer device and becomes the target payment intermediary device. , The payment attribute information corresponding to the identification information of the payment target consumer included in the received payment intermediation request is searched as the target payment attribute information, and at least one or more indicated in the searched target payment attribute information is searched. A specific settlement account is selected from the settlement accounts as a target settlement account, and a settlement request including the identification information of the retailer subject to the settlement and the settlement amount information is generated and requesting a settlement process to the target settlement account. Then, the generated settlement request,
It is characterized in that it is transmitted to a payment processing device corresponding to the target payment account.

Each payment intermediary device records, for each consumer, payment attribute information indicating a payment condition corresponding to each of at least one payment account, and each payment intermediary device is the target payment intermediary device. In this case, a settlement account having a settlement condition that matches the settlement amount indicated in the settlement amount information included in the received settlement intermediary request is selected as the target settlement account.

Each payment intermediary device indicates a plurality of payment accounts and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with one of the consumers. Each payment intermediary device is the target payment intermediary device, and when the target payment attribute information is the priority setting payment attribute information, it is indicated in the target payment attribute information. It is characterized in that a specific settlement account is selected as a target settlement account from among the plurality of settlement accounts indicated in the target settlement attribute information based on the priority.

Each payment intermediary device records, as a part of the payment attribute information, delivery destination information indicating a delivery address of the product, and each payment intermediary device becomes the target settlement intermediary device. Further, when the settlement approval information indicating that the settlement request has been approved is received from the settlement processing device which is the destination of the settlement request, the delivery destination information is acquired from the target settlement attribute information, and the acquisition is performed. The delivery destination information and the received settlement approval information are transmitted to the retailer device, and the retailer device transmits the delivery destination information and the settlement approval information transmitted from the target settlement intermediary device. Is received, and the received delivery destination information and the settlement approval information are transmitted to any one of the consumer terminals.

Each payment intermediary device records payment attribute information indicating a plurality of payment accounts and a payment processing device corresponding to each of the plurality of payment accounts in association with one of the consumers, and each payment intermediary device. Is the target payment intermediary device, and receives the payment refusal information indicating that the payment request is rejected from the payment processing device that is the destination of the payment request. If the information shows more than one payment account,
Select any settlement account other than the one already selected from the plurality of settlement accounts indicated in the target settlement attribute information as a target settlement account, and identify the retailer of the settlement target and the settlement amount. Information, and generate a payment request for requesting payment processing to the target payment account, the generated payment request,
It is characterized in that it is transmitted to a payment processing device corresponding to the target payment account.

Each payment intermediary device indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with any one of the consumers. In the case where the settlement intermediary device is the target settlement intermediary device, the settlement refusal information is received, and when the target settlement attribute information is the priority setting settlement attribute information, Based on the priority indicated in the target settlement attribute information, it is possible to select any settlement account other than the settlement account already selected from the plurality of settlement accounts indicated in the target settlement attribute information as the target settlement account. Characterize.

Each settlement mediation device, when it becomes the target settlement mediation device, and further, the settlement refusal information indicating that the settlement request is rejected by the settlement processing device to which the settlement request is transmitted. If it is determined that there is no other selectable payment account in the target payment attribute information, it is determined that there is no other selectable payment account in the target payment attribute information. , The payment denial information is transmitted to the retailer device, the retailer device receives the payment denial information transmitted from the target payment intermediary device, and the received payment denial information is the payment application information. Is transmitted to the consumer terminal which is the transmission source of.

The information providing system according to the present invention is managed by a consumer portable terminal used by a consumer and at least one or more retailers, each of which holds attribute information about a product of the corresponding retailer. An information providing system having one or more retailer devices, comprising:
The consumer mobile terminal transmits a product attribute information provision request including the identification information of a specific product and requesting provision of attribute information of the specific product to each specific retailer device, and each retailer device uses the consumption information. When receiving the product attribute information provision request transmitted from the person mobile terminal, based on the identification information of the specific product included in the product attribute information provision request, search the attribute information of the specific product, The attribute information of the searched specific product is transmitted to the consumer mobile terminal.

The consumer portable terminal transmits the product attribute information provision request to a specific retailer device by short-range wireless communication, and each retailer device transmits the short-range wireless communication from the consumer terminal device. When the request for providing the product attribute information transmitted by communication is received, the attribute information of the specific product is transmitted to the consumer mobile terminal by the short-range wireless communication.

The consumer portable terminal transmits predetermined detection data by the short-distance wireless communication and transmits a predetermined response to the detection data prior to the transmission of the product attribute information provision request. The product attribute information provision request is transmitted to the trader device.

The information providing system further includes a transmission address recording device for recording the transmission address information of each retailer device in association with the identification information of the product for which each retailer device holds the attribute information. The consumer mobile terminal transmits to the transmission address recording device a transmission address provision request for requesting provision of transmission address information including identification information of a specific product and associated with the identification information of the specific product. The transmission address recording device searches the transmission address information associated with the identification information of the specific product based on the identification information of the specific product included in the transmission address provision request, and the searched transmission address Information is transmitted to the consumer mobile terminal, and the consumer mobile terminal receives the transmission address information transmitted from the transmission address recording device. , And performs communication with the retailer system associated with the transmission address information received.

The consumer portable terminal transmits the transmission address provision request to the transmission address recording device by short-distance wireless communication, and the transmission address recording device transmits the retrieved transmission address by the short-distance wireless communication. Information is transmitted to the consumer mobile terminal.

The consumer mobile terminal transmits a product attribute information provision request for requesting provision of at least one of price information and inventory information of a specific product to each specific retailer device, and each retailer device , Each stores retailer's corresponding price information and inventory information as product attribute information, and each retailer device receives the product attribute information provision request transmitted from the consumer mobile terminal. In this case, at least one of price information and inventory information of a specific product is transmitted to the consumer mobile terminal.

Each retailer device is connected to at least one payment intermediary device that is managed by at least one payment intermediary company and that mediates the payment process related to the sale of goods, and the consumer mobile terminal is at least one. The above identification information of the payment intermediary is recorded, and the consumer mobile terminal includes the identification information of the specific payment intermediary, and the payment application information for applying for the payment processing for the specific product is sent to the specific retailer device. When each retailer device receives the payment application information from the consumer mobile terminal, each retailer device transmits the payment application information to the intermediary device corresponding to the identification information of the specific intermediary included in the payment application information. And transmitting a payment intermediation request that requests intermediation of the payment process for the specific product.

The settlement intermediary method according to the present invention is such that at least one or more retailer devices that hold information about the products of the retailer and at least one or more settlement processes that perform the settlement process regarding the sale of the products between the retailer and the consumer. A payment intermediary method of performing communication with a processing device and mediating a payment process between the retailer device and the payment processing device, wherein at least one or more used for the payment process is set for each consumer. A payment attribute information recording step of recording payment attribute information indicating a payment account and a payment processing device corresponding to each payment account, identification information of a consumer who is a payment target, and retail information of a payment target from one of the retailer devices. A communication step of receiving a settlement intermediary request including identification information of a trader and settlement amount information indicating a settlement amount, and identifying information of the consumer of the settlement target. The payment attribute information to be set is searched as the target payment attribute information from the payment attribute information recording step, and a specific payment account is selected as the target payment account from at least one or more payment accounts indicated in the searched target payment attribute information. A payment attribute information management step, and a payment request generation step of generating a payment request that includes the identification information of the retailer of the payment target and the payment amount information and requests a payment process to the target payment account. In the communication step, the payment request is transmitted to a payment processing device corresponding to the target payment account.

The payment attribute information recording step records payment attribute information indicating a payment condition corresponding to at least one or more payment accounts for each consumer, and the payment attribute information management step includes the payment amount. It is characterized in that a payment account with a payment condition that matches the payment amount shown in the information is selected as a target payment account.

The payment attribute information recording step indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with one of the consumers. Then, the payment attribute information management step, when the target payment attribute information is the priority setting payment attribute information, is displayed in the target payment attribute information based on the priority shown in the target payment attribute information. It is characterized in that a specific payment account is selected as a target payment account from a plurality of payment accounts.

The payment attribute information recording step records, as a part of the payment attribute information, delivery destination information indicating a delivery address of the product, and the communication step is a payment processing device which is a destination of the payment request. Receiving the settlement approval information indicating that the settlement request is approved, and the settlement attribute information management step, when the settlement approval information is received by the communication step, from the target settlement attribute information to the delivery destination. In the communication step, the retailer who is the sender of the payment intermediation request receives the delivery destination information acquired in the payment attribute information management step and the payment approval information received in the communication step. It is characterized by transmitting to the device.

In the payment attribute information recording step, payment attribute information indicating a plurality of payment accounts and a payment processing device corresponding to each of the plurality of payment accounts is recorded in association with one of the consumers, and the communication step is performed. ,
From the payment processing device, which is the destination of the payment request, receives payment rejection information indicating that the payment request has been rejected,
The settlement attribute information management step is indicated in the target settlement attribute information when the settlement refusal information is received in the communication step and when the plurality of settlement accounts are indicated in the target settlement attribute information. In addition, any payment account other than the payment account already selected from the plurality of payment accounts is selected as a target payment account, and the payment request generation step includes identification information of the retailer of the payment target and the payment amount information. And generating a payment request for requesting payment processing to the target payment account, and the communication step transmitting the payment request to a payment processing device corresponding to the target payment account. To do.

The payment attribute information recording step indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with any one of the consumers. However, the payment attribute information management step is performed when the payment rejection information is received in the communication step and the target payment attribute information is the priority setting payment attribute information, Based on the indicated priority, one of the plurality of settlement accounts indicated in the target settlement attribute information is selected as a target settlement account other than the already selected settlement account.

In the communication step, the payment refusal information indicating that the payment request is denied is received from the payment processing device which is the destination of the payment request, and the payment attribute information management step is performed by the communication step. When the payment refusal information is received, it is determined whether or not there is another selectable payment account in the target payment attribute information, and the communication step includes the target payment attribute by the payment attribute information management step. When it is determined that there is no other selectable payment account in the information, the payment refusal information is transmitted to the retailer device that has transmitted the search mediation request.

[0033]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiment 1. FIG. 1 is a diagram showing a system configuration of an information providing system and a payment processing system according to the present embodiment. In FIG. 1, reference numeral 1 denotes a mobile terminal (consumer mobile terminal) used by a consumer. Reference numeral 2 is a retailer server (retailer device) operated by a retailer of goods. In addition, in this specification, a product refers to a product and a service. Reference numeral 3 denotes a payment intermediary server (payment intermediary device) operated by a payment intermediary company. Reference numeral 4 denotes a payment server (payment processing device) operated by a payment company. A network 5 connects the retailer server 2, the payment intermediary server 3, and the payment server 4. In FIG. 1, one retailer server 2, one payment intermediary server 3, and one payment server 4 are displayed, but in actual operation, a plurality of these are arranged.

FIG. 2 is a diagram showing the configuration of the portable terminal 1. In FIG. 2, 11 is a communication unit for communicating with the retailer server 2. 12 is a product ID or a consumer ID
It is an input unit for inputting, etc. 13 is the retailer server 2
It is a display unit for displaying price information and the like of the received product. An ID recording unit 14 records a consumer ID and a payment intermediary ID. The ID recording unit 14 can record a plurality of settlement intermediary IDs. A request generation unit 15 generates a request for providing price information of a product and a request for payment processing of a product.

FIG. 3 is a diagram showing the configuration of the retailer server 2. In FIG. 3, reference numeral 21 is a communication unit for communicating with the mobile terminal 1 and the payment intermediary server 3. Reference numeral 22 is a product management database in which data such as product name, selling price, and stock status is recorded for each product ID. The data recorded in the product management database 22 is called product attribute information. Reference numeral 23 is a delivery destination management database in which the delivery address of each product is recorded. The delivery address is notified by the settlement mediation server 3 when the settlement process is completed. Reference numeral 24 is a settlement intermediary management database in which the address of the settlement intermediary server is recorded for each settlement intermediary ID. Reference numeral 25 is a database management unit that manages the product management database 22, the delivery destination management database 23, and the settlement intermediary management database 24. 26 is
A payment intermediation request generation unit that generates a payment intermediation request that requests the intermediation of payment processing for a product to the payment intermediation server 3.

FIG. 4 is a diagram showing the configuration of the settlement intermediary server 3. In FIG. 4, reference numeral 31 is a communication unit for communicating with the retailer server 2 and the settlement server 4. Reference numeral 32 is a consumer management database in which data of priority, settlement conditions, settlement account information, and delivery address is recorded for each consumer ID. The payment account information is information indicating an account number such as a credit card number or a bank account number. Further, the settlement account information shows the settlement company ID corresponding to each settlement account. 33 is a settlement company management database in which the address of the settlement server is recorded for each settlement company ID. Information recorded in the consumer management database 32 and the payment management database 33 corresponds to the payment attribute information, and the consumer management database 32 and the payment management database 33.
Corresponds to the payment attribute information recording unit. Reference numeral 34 is a database management unit that manages the consumer management database 32 and the payment provider management database 33. The database management unit 34 corresponds to the payment attribute information management unit. Reference numeral 35 denotes a payment request generation unit that generates a payment request for requesting payment processing of a product to the payment server.

Next, the operation will be described. First, a case where the mobile terminal acquires information about products (for example, price information and inventory information) will be described with reference to FIG. Here, it is assumed that the consumer is shopping at a retailer's store, or is considering purchasing a product in the retailer's catalog or the like. In the portable terminal 1, the product I of the product displayed in the store is input by the consumer.
When the product ID of D or the product displayed in the catalog is input to the input unit 12 (S1), the display unit 13 displays the input product ID (S2). In this way, the consumer can confirm the input product ID and then proceed with the subsequent estimation acquisition process. Next, a quotation command is input to the input unit 12 by the input work by the consumer (S3), and the request generation unit 15 generates a quotation request (product attribute information provision request) according to the quotation command (S3).
4) The communication unit 11 establishes a communication path with the retailer server 2 (S5), and transmits the generated quotation request (S).
6). The quotation request to be transmitted includes the product ID of the target product. The transmission address of the retailer server 2 is assumed to be displayed in the store or the catalog, for example.

When the quotation request including the product ID is transferred from the mobile terminal 1 to the retailer server 2, the database management unit 25 of the retailer server 2 refers to the product management database 22 and sells the product corresponding to the product ID. Of the product name, sales price, and inventory status are searched (S7), and the retrieved product ID, sales price, and inventory status data (product attribute information) is transferred from the communication unit 21 of the retailer server 2 to the mobile terminal 1. Then, the name, selling price, and stock status of the transferred product are displayed on the display unit 13 of the mobile terminal 1 (S8), and the acquisition of the estimate is completed (S9).

Further, as shown in FIG. 9, a short-range wireless communication unit 16 is added to the mobile terminal 1, a short-range wireless communication unit 27 is added to the retailer server 2, and the mobile terminal 1 is short-range wireless communication. The retailer server 2 may transmit the quotation request by the short-distance wireless communication from the unit 16, and the retail price server 2 may transmit the data of the selling price and the stock status by the short-distance wireless communication from the short-distance wireless communication unit 27. In this case, the mobile terminal 1 uses the short-distance wireless communication unit 16 to communicate with the short-distance wireless communication means within the communicable range one after another, and the retailer server 2 transmits predetermined data to the short-distance wireless communication. The mobile terminal that has transmitted the data to the communication partner and has not received the predetermined data determines that the communication partner is not the retailer server and terminates the communication. It is determined that the server is a retailer server, a communication path is established, and subsequent communication between the mobile terminal and the retailer server is performed through this communication path. Specifically, the mobile terminal 1 performs the process shown in the flowchart of FIG. 10 before transmitting the estimation request. That is, in step S101, the portable terminal 1 transmits the detection data by short-range wireless communication to all the short-range wireless means with which communication is possible. That is, the detection data is transmitted to all the short-range wireless communication means within the range of the radio waves of the short-range wireless communication unit 16 of the own mobile terminal without specifying the transmission destination. Next, after a lapse of a certain period of time, in step S102, it is determined whether or not a response (initial recognition data) to the detection data is received. If NO, communication by the short-range wireless communication unit 16 cannot be established. On the other hand, if YES in step S102, it is determined whether or not the initial recognition data received in step S103 is predetermined data, and YE
In the case of S, the communication path with the retailer server 2 is established based on the received initial recognition data. On the other hand, in the case of NO, the communication path with the retailer server 2 cannot be established.

Further, in the above description, the retailer server 2
The transmission address of is displayed in the store or in the catalog. However, as shown in FIG. The mobile terminal 1 may acquire the retailer server address from the short-range wireless station 6.
As shown in FIG. 11, the short-distance wireless station 6 includes a server address recording unit 61 that records a retailer server address corresponding to each product ID and a short-distance wireless communication unit 62.
The mobile terminal 1 first performs the same processing as the processing shown in the flowchart of FIG. 10 to establish a communication path with the short-range wireless station 6. Next, the portable terminal 1 includes a product ID of a product for which price information and inventory information are desired to be obtained, and sends a transmission address provision request for requesting transmission of the retailer server address associated with the product ID to the short-range wireless communication. It is transmitted from the communication unit 16. The short-distance wireless station 6 searches the server address recording unit 61 for a corresponding retailer server address based on the product ID included in the transmission address provision request, and the short-distance wireless communication unit 62 retrieves the retrieved retailer server address. Send. The mobile terminal 1 uses the retailer server address acquired from the short-distance wireless station 6 and uses the retailer server 2
A request for quote to. The subsequent operation is similar to the above case.

Next, the case of performing the payment process for the product will be described with reference to FIGS. In the following, it is assumed that two payment account information are stored in the consumer management database 32 of the payment intermediary server 3, and if the first payment request is approved by the payment server 4, the first payment request. Is rejected by the settlement server 4 and the second settlement request is approved by the next candidate settlement server, 1
The case where the second settlement request and the second settlement request are both denied will be described in order.

Again, the product ID is the input section 12 of the portable terminal 1.
Is input (S10), the data of the plurality of payment intermediary IDs stored in advance in the ID recording unit 14 of the mobile terminal 1 is retrieved (S11), and the plurality of payment intermediary IDs of the mobile terminal 1 are input. It is displayed by the display unit 13 (S12). When the selection of the settlement intermediary ID is input by the input unit 12 of the mobile terminal 1 (S13), the data of the consumer ID stored in advance in the ID recording unit 14 of the mobile terminal 1 is retrieved (S14). Displayed by the display unit 13 of the mobile terminal 1 are the retrieved consumer ID (identification information of the consumer to be paid), the input product ID (identification information of the product to be paid), and the selected payment intermediary ID. (S15). In this way, the consumer can proceed with the subsequent payment processing after confirming the entered product ID and the like.

Next, the settlement instruction is input to the input unit 12 of the portable terminal 1.
Is input (S16), the consumer ID and the product I are used by using the communication channel established in the acquisition of the quotation.
D and the settlement agent ID are transferred from the mobile terminal 1 to the retailer server 2 as settlement application information (S1).
7).

Next, when the retailer server 2 receives the payment application information (consumer ID, product ID, payment intermediary ID) as shown in FIG. 7, the database management unit 2
5 refers to the settlement intermediary management database 24 to retrieve the data of the settlement intermediary server address from the settlement intermediary ID (S18), and the retailer server 2 uses the network 5 to settle the settlement intermediary having this settlement intermediary server address. A communication path with the server 3 is established (S19). Further, in the retailer server 2, the database management unit 25 refers to the product management database 22 to search for data on the sales price (payment amount) of the product from the product ID (S20), and the payment intermediation request generation unit 26 consumes the data. Person ID, product ID, selling price,
And a settlement intermediary request including the retailer ID of the retailer, and the communication unit 21 sends the settlement intermediary request (consumer ID, product I
D, sales price, retailer ID) are transmitted to the settlement intermediary server 3 (S21). The settlement intermediary server that is the destination of the settlement intermediary request is called the target settlement intermediary device.

Then, in the payment intermediation server 3 to which the payment intermediation request is transmitted, the database management unit 34 causes the data of a plurality of payment accounts corresponding to the consumer IDs included in the payment intermediation request and the respective payment conditions and priorities. Degree data is retrieved from the consumer management database 32, and the settlement account with the highest priority is selected from the settlement accounts that satisfy the settlement conditions.
A payment request including the D, the selling price, the retailer ID, and the information of the selected payment account, and requesting the payment processing for the selected payment account is generated (S22). The payment account selected by the database management unit 34 is called a target payment account. Further, the database management unit 34 refers to the settlement company management database 33 to retrieve the settlement server address data from the settlement company ID of the settlement account (S23), and the settlement intermediary server 3 uses the network 5 to settle this settlement server address. The communication unit 31 establishes communication with the payment server 4 (S24), and the communication unit 31 sends a payment request (product ID, selling price, retailer ID, payment account) to the payment server 4 (S25), and the first time. The payment request is completed.

Then, as shown in FIG. 8, the settlement server 4
In step S26, the settlement procedure is executed, and either settlement approval or settlement denial is made (S26). First, when the first settlement request is settlement approval, the settlement approval ID (settlement approval information) is transmitted from the settlement server 4 to the settlement mediation server 3 (S27). In the payment mediation server 3, the database management unit 34 refers to the consumer management database 32 to search for data of the delivery address from the consumer ID (S28), and the payment approval ID and the delivery address are the payment mediation server 3 Is transmitted from the communication unit 31 to the retailer server 2 (S29).

In the retailer server 2, the database management unit 25 causes the corresponding product I in the delivery destination management database 23.
Data of the consumer ID and the delivery address is added to D (S30), and the settlement approval ID, the product ID, the selling price, and the delivery address are transmitted from the communication unit 21 of the retailer server 2 to the mobile terminal 1. (S31). In the mobile terminal 1, the display unit 1
3 displays the received settlement approval ID, product ID, selling price, and delivery address, and the settlement is completed (S32).

When the first settlement request is the settlement rejection, the rejection (settlement rejection information) is transmitted from the settlement server 4 to the settlement mediation server 3 (S33), and in the settlement mediation server 3, the database management unit 34. Refers to the consumer management database 32, searches the data of a plurality of payment accounts and the data of each payment condition and priority from the consumer ID, and determines whether there is another payment account that satisfies the payment conditions. To do. Here, since there are other settlement accounts that satisfy the settlement conditions, the next candidate settlement account with the next highest priority is selected, and the settlement request generation unit 35 issues a settlement request for requesting settlement processing to the next candidate settlement account. Generate (S34). Further, the database management unit 34 refers to the settlement company management database 33 to retrieve the data of the settlement server address from the settlement company ID of the next candidate settlement account (S35), and the settlement mediation server 3 uses the network 5
To establish communication with the next candidate payment server having this payment server address (S36), and the payment request (product ID, selling price, retailer ID, next candidate payment account) is sent from the communication unit 31 to the next candidate payment server. It is transferred to the server and the second settlement request is completed (S37).

Then, the settlement procedure is executed in the next candidate settlement server, and either settlement approval or settlement denial is made (S38). First, when the second settlement request is settlement approval, the settlement approval ID is transmitted from the next candidate settlement server to the settlement mediation server 3 (S39). In the payment intermediary server 3, the database management unit 34 refers to the consumer management database 32 to retrieve the data of the delivery address from the consumer ID (S40), and the payment approval ID and the delivery address are sent from the payment intermediary server 3. Sent to retailer server 2 (S
41).

In the retailer server 2, the database management unit 25 makes the corresponding product I in the delivery destination management database 23.
Data of the consumer ID and the delivery address is added to D (S42), and the settlement approval ID, the product ID, the selling price, and the delivery address are transmitted from the retailer server 2 to the mobile terminal 1 (S43). .

In the portable terminal 1, the display unit 13 displays the received settlement approval ID, merchandise ID, selling price and delivery address, and the settlement is completed (S44).

If the second settlement request is the settlement rejection, the rejection is transmitted from the next candidate settlement server to the settlement mediation server 3 (S45). In the payment intermediary server 3, the database management unit 34 refers to the consumer management database 32 and searches for data of a plurality of payment accounts and data of respective payment conditions and priorities from the consumer ID to check the payment conditions. Judgment whether or not there is a payment account. Here, it is determined that there is no other payment account that satisfies the payment conditions (S46). Since there is no other payment account that satisfies the payment conditions, the denial is transmitted from the payment intermediary server 3 to the retailer server 2 (S4).
7) Then, the denial is transmitted from the retailer server 2 to the mobile terminal 1 (S48), the denial is displayed on the display unit 13 of the mobile terminal 1, and the settlement is denied and completed (S49).

As described above, according to the present embodiment, the payment mediation server having the consumer management database is arranged between the retailer server and the payment server, and the consumer management database of the payment mediation server is used by the consumers. By registering the ID, payment account information, and delivery address in advance, the consumer can easily perform product purchase and payment processing at a general store or catalog shopping using a mobile terminal. .

Further, by performing all the operations from the mobile terminal, the intervention of the clerk in the payment operation can be omitted, and by registering the payment account such as the credit card number in advance in the payment mediation server,
In the unlikely event, the clerk never knows the credit card number.

Further, when the settlement intermediary server has a plurality of settlement accounts, when the settlement server rejects the settlement, it is possible to request settlement processing with the next candidate settlement account, and the settlement is made to the consumer. No need to bother with processing.

Further, by inputting the product ID from the portable terminal, it is possible to omit the intervention of the clerk in obtaining the product estimate.

In the first embodiment described above, the settlement intermediary device, the settlement processing system, and the information providing system according to the present invention have been described. Can be realized.

The features of the system and method shown in the first embodiment will be summarized here.

The quotation acquisition system of the first embodiment is
A portable terminal having an input means and a display means, a retailer server having a product management database, a payment intermediary management database, and a delivery management database are interconnected by a network, and the product management database of the retailer server stores the products. The product ID, the selling price, and the inventory management information are registered in advance. Here, the inventory management information refers to the product name, model number, inventory quantity, arrival schedule, etc. The mobile terminal establishes a communication path with the retailer server having the retailer server address and transmits the product ID to the retailer server, and the retailer server receives the selling price corresponding to the received product ID. Inventory management information is retrieved from the product management database and sent to the mobile device, which receives the selling price and inventory management. And displayed by the display means and distribution, characterized in that it provided to the user of the mobile terminal and the selling price of goods and inventory information.

The quotation acquisition method in the quotation acquisition system is such that the product ID is input from the input means of the mobile terminal, the product ID is sent from the mobile terminal to the retailer server, and the selling price corresponding to the product ID. And inventory management information are retrieved from the product management database of the retailer server, the selling price and inventory management information are transmitted from the retailer server to the mobile terminal, and the selling price is displayed by the display means of the mobile terminal. And a step of displaying inventory management information.

The payment system according to the first embodiment includes a portable terminal having an input means and a display means, a retailer server having a product management database, a payment intermediary management database and a delivery management database, a consumer management database and payment. A payment intermediary server with a vendor management database,
The payment server is connected to each other via a network, and the product ID, sales price, and inventory management information of the product are registered in advance in the product management database of the retailer server. Here, the inventory management information is the name, model number, or inventory quantity of the product. Or the arrival schedule, the payment intermediary ID and the payment intermediary server address are registered in advance in the payment intermediary management database of the retailer server, and the consumer ID and payment account information of the consumer are registered in the consumer management database of the payment intermediary server. And the delivery address are registered in advance. Here, the payment account information is the payment operator ID of the payment operator and the account number such as a credit card number or a bank account number, and the payment agent ID is stored in the payment agent management database of the payment intermediary server. And payment server address are registered in advance, consumer ID, product ID, and payment intermediary When the person ID and the retailer server address are input by the input means of the mobile terminal, the mobile terminal establishes a communication path with the retailer server having the retailer server address to establish the consumer ID, the product ID, and the payment intermediary agent. I
D and D to the retailer server, the retailer server retrieves the corresponding sales price from the received product ID from the product management database, and the retailer server obtains the corresponding payment intermediary server address from the received payment intermediary ID. The retailer server searches the settlement intermediary management database and establishes a communication path with the settlement intermediary server having the settlement intermediary server address to settle the consumer ID, the product ID, the selling price, and the retailer ID unique to the retailer. The payment intermediary server transmits the payment account information corresponding to the received consumer ID to the intermediary server, and the payment intermediary server retrieves the payment account information corresponding to the received consumer ID from the consumer management database. The address is retrieved from the payment agent management database, and the payment intermediary server has the payment server address. To establish a communication path to the already server performs a request for transmission to the settlement process and the product ID and the selling price and the retailer ID and payment account information to the settlement server,
If the settlement server approves the settlement request,
The payment server generates a payment approval ID unique to this payment and sends the payment approval ID to the payment mediation server using the communication path established with the payment mediation server. The delivery address corresponding to the ID is retrieved from the consumer management database, and the settlement intermediary server uses the communication channel established with the retailer server to confirm the settlement I
D and the delivery address are sent to the retailer server, the retailer server registers the product ID and the delivery address in the delivery management database, and the retailer server establishes a communication path with the mobile terminal. The payment approval ID, the delivery address, the product ID, and the selling price are transmitted to the mobile terminal by using, and the mobile terminal displays the payment approval ID, the delivery address, the product ID, and the selling price on the display means, and the payment is established. If the settlement server rejects the settlement request, the settlement server notifies the settlement intermediary server of the refusal using the communication path established with the settlement intermediary server, and the settlement intermediary server Notifies the retailer server that it has been denied using the communication channel established with the retailer server, and the retailer server has been denied using the communication channel established with the mobile terminal. Carrying things Notify the end, the mobile terminal displays to the settlement not satisfied that the payment by the display means is denied, it is characterized.

In the settlement method in the settlement system, the step of inputting the consumer ID, the product ID, and the settlement intermediary ID from the input means of the portable terminal, and carrying the consumer ID, the product ID, and the settlement intermediary ID are carried. The step of sending from the terminal to the retailer server, the step of retrieving the selling price corresponding to the product ID from the product management database of the retailer server, the consumer ID, the product ID, the selling price, and the retailer specific to the retailer. The step of sending the ID from the retailer server to the settlement intermediary server, the step of retrieving the settlement account information corresponding to the consumer ID from the consumer management database of the settlement intermediary server, the product ID, the selling price, and the retailer ID. And the payment account information are sent from the payment intermediary server to the payment server, and in the case of payment approval, The payment server approves the payment request to generate a payment approval ID, the payment approval ID is sent from the payment server to the payment intermediary server, and the delivery address corresponding to the consumer ID is the payment intermediary server's The step of searching from the consumer management database, the step of sending the settlement approval ID and the delivery address from the settlement intermediary server to the retailer server, and the product ID and the delivery address registered in the delivery management database of the retailer server. Step, the payment approval ID, the delivery address, the product ID, and the selling price are sent from the retailer server to the mobile terminal, the payment approval ID, the delivery address, and the product ID.
And the selling price are displayed on the display means of the mobile terminal, in the case of settlement denial, the step of rejecting the settlement request in the settlement server and the settlement denial are sent from the settlement server to the settlement mediation server. Steps, a denial of payment is sent from the payment intermediary server to the retailer server, a denial of payment is sent from the retailer server to the mobile terminal, and a denial of payment is displayed by the display means on the mobile terminal. And consist of.

In the quote acquisition system, when the product ID and the retailer server address are input by the input means of the mobile terminal, the mobile terminal displays the product ID by the display means, and the estimate acquisition command is input by the mobile terminal. When input by the mobile terminal, the mobile terminal establishes a communication path with the retailer server having the retailer server address, and thereafter similarly obtains a quote.

In the above quote acquisition method, following the step of inputting the product ID from the input means of the mobile terminal, the step of displaying the product ID by the display means of the mobile terminal, and the quote acquisition command from the input means of the mobile terminal. To the step where the product ID is sent from the mobile terminal to the retailer server in the same way.
It is characterized by continuing.

The payment system uses a consumer ID and a product I.
When D, the settlement intermediary ID, and the retailer server address are input by the input means of the mobile terminal, the mobile terminal displays the consumer ID, the product ID, and the settlement intermediary ID by the display means, and the settlement request command is issued. When input by the input means of the mobile terminal, the mobile terminal establishes a communication path with the retailer server having the retailer server address, and thereafter, similarly processes the settlement.

In the settlement method, following the step of inputting the consumer ID, the product ID and the settlement intermediary ID from the input means of the mobile terminal, the consumer ID, the product ID and the settlement intermediary ID are input to the mobile terminal. And a step of inputting a settlement request command from the input means of the mobile terminal. Similarly, the consumer ID, the product ID, and the settlement intermediary ID are transferred from the mobile terminal to the retailer server. It is characterized by continuing to the steps sent to.

In the settlement system, the mobile terminal further includes a storage means, and the consumer ID and the settlement intermediary ID are stored in the storage means of the mobile terminal in advance, and the product ID and the retailer server address are the mobile terminal. When the input is made by the input means, the payment is processed in the same manner thereafter with the product ID, the retailer server address, and the consumer ID and the payment intermediary ID stored in the storage means.

In the settlement system, the step of inputting the product ID from the input means of the portable terminal is the first step, and the consumer I stored in the product ID and the storage means is the consumer I.
It is characterized by continuing to the subsequent steps with D and the settlement agent ID.

In the settlement system, the portable terminal further comprises a storage means, and a plurality of settlement intermediary IDs are stored in advance in the storage means of the portable terminal, and the consumer ID
When the product ID and the retailer server address are input by the input means of the mobile terminal, the mobile terminal takes out the plurality of payment intermediary IDs stored in the storage means and displays them on the display means. Is selected by the input means of the mobile terminal, the payment is processed in the same manner with the consumer ID, the product ID, the retailer server address, and the selected payment intermediary ID.

In the settlement method in the settlement system, the first step is the step of inputting the consumer ID and the product ID from the input means of the mobile terminal, and the plurality of settlement intermediaries stored in the storage means of the mobile terminal. There is a step of displaying the ID by the display means and a step of inputting the selection of the settlement intermediary ID by the input means of the mobile terminal. It is characterized by continuing to the step of.

In the above quote acquisition system, the portable terminal further comprises short-distance wireless communication means, the retailer server further comprises short-distance wireless communication means, and the portable terminal is within a communicable range using the short-distance wireless communication means. Communicating with short-distance wireless communication means one after another, the retailer server sends predetermined data to the communication partner by short-distance wireless communication, and the mobile terminal that does not receive the predetermined data transmits the communication partner to the retailer server. The mobile terminal that has received the predetermined data determines that the communication partner is the retailer server, establishes a communication path, and establishes a communication path between the mobile terminal and the retailer server thereafter. Is characterized in that the communication is carried out through this communication path.

In the above quote acquisition system, following the step of inputting the product ID from the input means of the mobile terminal, the mobile phone is successively connected to the short range wireless communication means within the range in which the mobile phone can communicate using the short range wireless communication means. Identifying the short range wireless communication means of the retailer server by communicating and exchanging predetermined data;
The mobile phone establishes a communication path with the retailer server using the short-range wireless communication means.

In the settlement system, the mobile terminal further includes short-distance wireless communication means, the retailer server further includes short-distance wireless communication means, and the mobile terminal uses the short-distance wireless communication means to communicate within a short range. Communicating with the distance wireless communication means one after another, the retailer server transmits predetermined data to the communication partner by short-distance wireless communication, and the mobile terminal that does not receive the predetermined data does not communicate with the retailer server. And terminate the communication,
The mobile terminal that has received the predetermined data determines that the communication partner is the retailer server, establishes a communication path, and performs subsequent communication between the mobile terminal and the retailer server on this communication path. Characterize.

In the settlement system, following the step of inputting the consumer ID, the product ID and the settlement intermediary ID from the input means of the portable terminal, the portable telephone can communicate with the short-distance wireless communication means. The step of identifying the short-range wireless communication means of the retailer server by exchanging predetermined data by successively communicating with the short-range wireless communication means of the mobile phone, and the mobile phone using the short-range wireless communication means of the retailer. There is a step of establishing a communication path with the server.

In the above quote acquisition system, the portable terminal further comprises short-distance wireless communication means, and the short-distance wireless station having the storage means is connected to the portable terminal by short-distance wireless communication, and the short-distance wireless station storage The retailer server address is stored in advance in the means, the short-distance wireless station sends the retailer server address to the mobile terminal, the mobile terminal establishes a communication path with the retailer server having the retailer server address, and It is characterized in that the communication between the mobile terminal and the retailer server is performed through this communication path.

In the quote acquisition system, following the step of inputting the product ID from the input means of the mobile terminal, the short-distance wireless station sends the retailer server address to the mobile terminal, and the mobile terminal sends the retailer server address. Establishing a communication path with a retailer server having

In the settlement system, the portable terminal further comprises short-distance wireless communication means, and the short-distance wireless station having the storage means is connected to the portable terminal by short-distance wireless communication. Stores the retailer server address in advance, the short-distance wireless station sends the retailer server address to the mobile terminal, the mobile terminal establishes a communication path with the retailer server having the retailer server address, and the subsequent mobile It is characterized in that the communication between the terminal and the retailer server is performed through this communication path.

In the settlement system, following the step of inputting the product ID from the input means of the portable terminal, the short-distance wireless station sends the retailer server address to the portable terminal, and the portable terminal sends the retailer server address. And establishing a communication path with the retailer server.

In the settlement system, a plurality of settlement account information and priority are registered in advance in the consumer management database of the settlement mediation server for each consumer ID, and the settlement mediation server deals with the consumer ID. A plurality of payment account information and priority are retrieved from the consumer management database, and the payment intermediary server retrieves the payment account information with the highest priority in order, and carries out the subsequent processing with the settlement operator ID in the retrieved payment account information. The feature is that the settlement request is repeated until the settlement is approved.

In the settlement system, the settlement intermediary server retrieves a plurality of settlement account information and priority for the consumer ID from the consumer management database, followed by the settlement intermediary server having the highest priority settlement account information. , The step of making a payment request using the payment operator ID in the extracted payment account information, and the step of the payment intermediary server extracting the payment account information with the second highest priority if the payment is not approved. And subsequent steps for making a payment request using the payment company ID in the extracted payment account information, and similarly repeating the same steps for a plurality of payment account information retrieved until the payment is approved. To do.

In the settlement system, a plurality of settlement account information, priority and settlement condition are registered in advance for each consumer ID in the consumer management database of the settlement mediation server, and the settlement mediation server is registered. It is characterized in that among the settled settlement account information, settlement requests are made in order of priority to settlement account information whose sales price satisfies the settlement condition, and the settlement request is repeated until the settlement is approved.

In the settlement system, the settlement intermediary server searches the consumer management database for a plurality of settlement account information, priority and settlement conditions for the consumer ID, and then the settlement intermediary server has the highest priority. Steps to retrieve the payment account information, steps to make a payment request with the payment operator ID in the payment account information only when the payment conditions of the extracted payment account information are satisfied, and payment if the payment is not approved The intermediary server retrieves the payment account information with the second highest priority, and the subsequent steps for making a payment request using the payment operator ID in the payment account information only when the payment conditions of the extracted payment account information are satisfied, Similarly, multiple decisions retrieved until settlement is approved And repeating the same steps for the account information.

In the settlement system, when the consumer ID and the settlement intermediary ID are input by the input means of the portable terminal after the operation for obtaining the estimate, the portable terminal consumes using the communication channel for obtaining the estimate. It is characterized in that the person ID, the settlement intermediary agent ID, and the product ID for obtaining the quotation are transmitted to the retailer server, and the retailer server thereafter performs similar settlement processing.

In the quote acquisition and settlement system, following the series of steps of the quote acquisition method,
Consumer ID and settlement intermediary ID from the input means of the mobile terminal
And the step of inputting the consumer ID, the settlement intermediary agent ID, and the product ID input in the quote acquisition method from the mobile terminal to the retailer server. .

[0085]

As described above, according to the present invention, the payment intermediary device having the payment attribute information recording unit is arranged between the retailer device and the payment processing device, and the payment attribute information recording unit of the payment intermediary device is arranged. By registering a payment account and a payment processing device corresponding to the payment account for each consumer in advance, the consumer can use the consumer mobile terminal for product purchase and payment processing at general stores and catalog shopping. It becomes possible to easily perform it.

Further, according to the present invention, by performing all the operations from the consumer portable terminal, the intervention of a clerk in the payment operation can be omitted, and a payment account such as a credit card number is registered in advance in the payment intermediary device. By doing so, there is an advantage that the credit card number will not be known to the clerk.

Further, according to the present invention, the payment attribute information recording unit of the payment intermediary device records the payment conditions corresponding to each of the payment accounts, and the payment attribute information management unit setstle the payment conditions matching the payment amount. To select an account,
It is possible to avoid a situation in which the payment processing apparatus determines that the payment amount and the payment conditions do not match.

Further, according to the present invention, the settlement attribute information recording unit of the settlement intermediary device records the priority corresponding to each settlement account, and the settlement attribute information management unit sets the settlement account and settlement process based on the priority. Since the device is selected, it is possible to flexibly use a plurality of payment processing devices.

Further, according to the present invention, the payment attribute information recording unit of the payment intermediary device registers the delivery address of the product for each consumer in advance, and when the payment is approved, the payment intermediary device displays the product. By notifying the retailer device of the delivery address of the product, the consumer does not need to enter or enter the delivery address of the product when purchasing the product at a general store or in catalog shopping, and the retailer does not You can know the delivery destination of goods without bothering you.

Further, according to the present invention, when the settlement intermediary device has a plurality of settlement accounts, when the settlement processing device rejects the settlement, the settlement process using the next candidate settlement account can be requested. It is possible and does not give consumers the trouble of payment processing.

Further, according to the present invention, the retailer apparatus for holding the attribute information on the retailer's merchandise is provided, and the merchandise I
By inputting D from the consumer mobile terminal, it is possible to omit the intervention of a clerk in obtaining an estimate of a product.

Further, according to the present invention, the consumer portable terminal and the retailer's device communicate with each other by short-distance wireless communication, so that the consumer portable terminal can automatically establish a communication path with the retailer's device. It is possible to omit the input of the retailer device transmission address by the consumer.

According to the present invention, a transmission address recording device for recording the transmission address of the retailer's device is provided, and the transmission address recording device notifies the consumer portable terminal of the transmission address of the retailer's device. It is possible for the personal digital assistant to automatically obtain the transmission address of the retailer device, and to save the consumer from inputting the transmission address of the retailer device.

Further, according to the present invention, by storing the identification information of the payment intermediary in the consumer mobile terminal in advance, the identification information of the payment intermediary can be automatically retrieved and used. Further, by storing the identification information of a plurality of payment intermediaries, it is possible to flexibly use a plurality of payment intermediaries.

[Brief description of drawings]

FIG. 1 is a diagram showing a system configuration according to a first embodiment.

FIG. 2 is a diagram showing a configuration of a mobile terminal.

FIG. 3 is a diagram showing a configuration of a retailer server.

FIG. 4 is a diagram showing a configuration of a payment intermediary server.

FIG. 5 is a flowchart showing an estimate acquisition process.

FIG. 6 is a flowchart showing a payment process.

FIG. 7 is a flowchart showing a payment process.

FIG. 8 is a flowchart showing a payment process.

FIG. 9 is a diagram showing configurations of a mobile terminal and a retailer server.

FIG. 10 is a diagram showing processing in short-range wireless communication of a mobile terminal.

FIG. 11 is a diagram showing configurations of a mobile terminal and a short-range wireless station.

[Explanation of symbols]

1 mobile terminal, 2 retailer server, 3 payment intermediary server, 4 payment server, 5 network, 11 communication unit, 12 input unit, 13 display unit, 14 ID recording unit,
15 request generation unit, 16 short-range wireless communication unit, 21 communication unit, 22 product management database, 23 delivery destination management database, 24 settlement intermediary management database,
25 database management unit, 26 payment intermediary request generation unit, 27 short-range wireless communication unit, 31 communication unit, 32 consumer management database, 33 payment agent management database, 34 database management unit, 35 payment request generation unit, 61 server address record Section, 62 short-range wireless communication section.

Continued front page    (72) Inventor Hiroshi Sakurada             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd. (72) Inventor Takehiro Takahashi             2-3 2-3 Marunouchi, Chiyoda-ku, Tokyo             Inside Ryo Electric Co., Ltd.

Claims (28)

[Claims] 1. Communication between at least one or more retailer devices that hold information about retailer's products and at least one or more payment processing devices that perform payment processing related to the sale of products between retailers and consumers. A payment intermediary device that performs payment processing between the retailer device and the payment processing device by performing at least one payment account used for payment processing for each consumer and each payment account. The payment attribute information recording unit that records payment attribute information indicating the payment processing device corresponding to the above, and the identification information of the consumer targeted for payment, the identification information of the retailer targeted for payment, and the payment information from any of the retailer devices. A communication unit that receives a payment intermediation request including payment amount information indicating an amount of money, and payment attribute information corresponding to the identification information of the consumer to be settled as target payment attribute information And a payment attribute information management unit that selects a specific payment account as a target payment account from at least one or more payment accounts indicated by the searched target payment attribute information, by searching from the payment attribute information recording unit, A payment request generation unit that includes the identification information of the retailer of the payment target and the payment amount information and that generates a payment request for requesting a payment process to the target payment account; and the communication unit includes the target A payment intermediary device, which transmits the payment request to a payment processing device corresponding to a payment account. 2. The payment attribute information recording unit records, for each consumer, payment attribute information indicating a payment condition corresponding to at least one or more payment accounts, and the payment attribute information management unit The payment intermediary device according to claim 1, wherein a payment account having a payment condition that matches the payment amount indicated in the payment amount information is selected as a target payment account. 3. The payment attribute information recording unit indicates a plurality of payment accounts, and associates the priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts with any of the consumers. When the target settlement attribute information is the priority setting settlement attribute information, the settlement attribute information management unit stores the target settlement attribute information based on the priority indicated in the target settlement attribute information. The payment intermediary device according to claim 1, wherein a specific payment account is selected as a target payment account from among the plurality of payment accounts shown. 4. The payment attribute information recording unit records delivery destination information indicating a delivery address of a product as a part of the payment attribute information, and the communication unit is a payment destination of the payment request. From the processing device, the payment approval information indicating that the payment request is approved is received, and the payment attribute information management unit, when the payment approval information is received by the communication unit, from the target payment attribute information. Obtaining delivery destination information, the communication unit is the sender of the settlement mediation request, the delivery destination information obtained by the settlement attribute information management unit and the settlement approval information received by the communication unit. The payment intermediary device according to claim 1, wherein the payment intermediary device is transmitted to the retailer device. 5. The payment attribute information recording unit records payment attribute information indicating a plurality of payment accounts and a payment processing device corresponding to each of the plurality of payment accounts, in association with any one of the consumers, and the communication. The unit receives settlement denial information indicating that the settlement request has been rejected from the settlement processing device that is the destination of the settlement request, and the settlement attribute information management unit uses the communication unit to confirm the settlement denial information. When received, and when the target payment attribute information indicates a plurality of payment accounts, any of the payment accounts other than the one already selected from the plurality of payment accounts indicated in the target payment attribute information. That payment account is selected as the target payment account, and the payment request generation unit includes the identification information of the retailer targeted for payment and the payment amount information. Only, a payment request for requesting payment processing to the target payment account is generated, and the communication unit transmits the payment request to a payment processing device corresponding to the target payment account. The payment intermediary device according to Item 1. 6. The payment attribute information recording unit indicates a plurality of payment accounts, and associates the priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts with any of the consumers. The payment attribute information management unit, when the payment refusal information is received by the communication unit and the target payment attribute information is the priority setting payment attribute information, the target payment attribute. Based on the priority indicated in the information, any payment account other than the payment account already selected from the plurality of payment accounts indicated in the target payment attribute information is selected as a target payment account. The payment intermediary device according to claim 5. 7. The communication unit receives settlement denial information indicating that the settlement request is rejected from a settlement processing device that is the destination of the settlement request, and the settlement attribute information management unit is configured to communicate with the communication unit. When the payment refusal information is received by the unit, the communication unit determines whether the target payment attribute information has another selectable payment account, and the communication unit determines the target by the payment attribute information management unit. The payment refusal information is transmitted to the retailer device that has transmitted the search intermediation request when it is determined that there is no other selectable payment account in the payment attribute information. The settlement intermediary device described. 8. Holding information about a retailer's goods,
A retailer device that communicates with at least one or more consumer terminals used by consumers, and at least one or more payments that are managed by at least one or more payment intermediaries and perform payment processing related to the sale of the retailer device and merchandise. A payment processing system having at least one payment intermediary device that communicates with a processing device, wherein the retailer device is sales price information indicating a sales price of a product of the retailer,
It records the payment intermediary information indicating the payment intermediary device corresponding to each payment intermediary company for each intermediary payment intermediary, and the retailer device identifies the consumer to be paid from any consumer terminal. Information, identification information of a payment target product, and identification information of a specific payment intermediary, and receiving payment application information for applying for a payment process related to the payment target product, wherein the payment application information includes the payment application information. A payment amount for the product to be settled is specified based on the identification information of the product to be settled and the selling price information, and further, the identification information of the specific payment intermediary company included in the payment application information and the payment intermediary. A payment intermediary device corresponding to the specific payment intermediary is specified as the target payment intermediary device based on the trader information, and the identification information of the consumer who is the payment target and the retailer who is the payment target And a payment intermediary request including the payment amount information indicating the payment amount and transmitting the generated payment intermediation request to the target payment intermediary device. The payment attribute information indicating at least one payment account used for payment processing and the payment processing device corresponding to each payment account is recorded, and each payment intermediary device includes the payment attribute information transmitted from the retailer device. When a settlement intermediary request is received and it becomes the target settlement intermediary device, the settlement attribute information corresponding to the identification information of the consumer of the settlement subject included in the received settlement intermediary request is retrieved as the target settlement attribute information. Then, a specific settlement account is selected as a target settlement account from at least one or more settlement accounts indicated in the retrieved target settlement attribute information.
A payment request including the identification information of the retailer of the payment target and the payment amount information is generated to request a payment process to the target payment account, and the generated payment request is a payment corresponding to the target payment account. A payment processing system characterized by transmitting to a processing device. 9. Each payment intermediary device records, for each consumer, payment attribute information indicating a payment condition corresponding to each of at least one or more payment accounts, and each payment intermediary device has the target payment. When the device becomes an intermediary device, a payment account with a payment condition that matches the payment amount indicated in the payment amount information included in the received payment intermediation request is selected as a target payment account. The payment processing system according to item 8. 10. Each payment intermediary device indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts in association with one of the consumers. When each payment intermediary device is the target payment intermediary device, and when the target payment attribute information is the priority setting payment attribute information, it is indicated in the target payment attribute information. 10. The payment processing system according to claim 8 or 9, wherein a specific payment account is selected as a target payment account from a plurality of payment accounts indicated by the target payment attribute information based on the set priority. . 11. Each payment intermediary device records delivery destination information indicating a delivery address of a product as a part of the payment attribute information, and each payment intermediary device serves as the target payment intermediary device. In this case, further, when the settlement approval information indicating that the settlement request is approved is received from the settlement processing device which is the destination of the settlement request, the delivery destination information is acquired from the target settlement attribute information. Transmitting the acquired delivery destination information and the received settlement approval information to the retailer device, wherein the retailer device transmits the delivery destination information and the settlement approval transmitted from the target settlement intermediary device. 9. The payment processing system according to claim 8, wherein the payment processing system receives information and sends the received delivery destination information and the payment approval information to any one of the consumer terminals. 12. Each payment intermediary device records payment attribute information indicating a plurality of payment accounts and a payment processing device corresponding to each of the plurality of payment accounts, in association with any one of the consumers, and recorded. The intermediary device, when the intermediary device is the target payment intermediary device, receives settlement denial information indicating that the settlement request is rejected from the settlement processing device that is the destination of the settlement request, and further, the target When multiple payment accounts are indicated in the payment attribute information, any payment account other than the payment account already selected from the multiple payment accounts indicated in the target payment attribute information is set as the target payment account. A payment request that includes the identification information of the retailer targeted for payment and the payment amount information, and requests payment processing to the target payment account. Payment processing system of claim 8, generating the generated said payment request, and transmits with respect to the payment processing apparatus corresponding to the target payment account. 13. Each payment intermediary device indicates a plurality of payment accounts, and records priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts, in association with one of the consumers. When each payment intermediary device is the target payment intermediary device, the payment refusal information is received, and the target payment attribute information is the priority setting payment attribute information. , Based on the priority shown in the target payment attribute information,
The payment processing system according to claim 12, wherein any payment account other than the payment account already selected from the plurality of payment accounts indicated by the target payment attribute information is selected as the target payment account. 14. A payment indicating that the payment request is rejected by a payment processing device that is the destination of the payment request when the payment transfer device is the target payment transfer device. When denial information is received, it is determined whether or not there is another selectable payment account in the target payment attribute information, and it is determined that there is no other selectable payment account in the target payment attribute information. In this case, the settlement refusal information is transmitted to the retailer device, the retailer device receives the settlement refusal information transmitted from the target settlement intermediary device, and the received settlement refusal information is settled. The payment processing system according to claim 8, wherein the payment information is transmitted to a consumer terminal which is a transmission source of the application information. 15. A consumer mobile terminal used by a consumer, and at least one or more retailer devices managed by at least one or more retailers, each of which holds attribute information about a product of the corresponding retailer. The consumer portable terminal transmits a product attribute information provision request for requesting provision of attribute information of the specific product to a specific retailer device, the consumer portable terminal including identification information of the specific product. When each retailer device receives the product attribute information provision request transmitted from the consumer mobile terminal, the retailer device identifies the specific product based on the identification information of the specific product included in the product attribute information provision request. The attribute providing information of the product is searched, and the attribute information of the searched specific product is transmitted to the consumer mobile terminal. 16. The consumer portable terminal transmits the product attribute information provision request to a specific retailer device by short-range wireless communication, and each retailer device is closer to the specific retailer device than the consumer terminal device. When receiving the product attribute information provision request transmitted by the distance wireless communication,
The information providing system according to claim 15, wherein the attribute information of the specific product is transmitted to the consumer mobile terminal by the short-range wireless communication. 17. The consumer portable terminal transmits predetermined detection data by the short-range wireless communication and transmits a predetermined response to the detection data before transmitting the product attribute information provision request. 17. The information providing system according to claim 16, wherein the product attribute information provision request is transmitted to the retailer device that has performed the above. 18. The information providing system further comprises a transmission address recording device for recording the transmission address information of each retailer device in association with the identification information of the product for which each retailer device holds attribute information. The consumer mobile terminal has a transmission address provision request for requesting provision of transmission address information including identification information of a specific product and associated with the identification information of the specific product, to the transmission address recording device. The transmission address recording device searches the transmission address information associated with the identification information of the specific product based on the identification information of the specific product included in the transmission address provision request, and searches the transmission address information. Transmitting the transmission address information to the consumer mobile terminal, wherein the consumer mobile terminal transmits the transmission address information transmitted from the transmission address recording device. 16. The information providing system according to claim 15, wherein the information providing system communicates with a corresponding retailer device using the received transmission address information. 19. The consumer portable terminal transmits the transmission address provision request to the transmission address recording device by short-distance wireless communication, and the transmission address recording device performs the retrieval by the short-distance wireless communication. The information providing system according to claim 15, wherein transmission address information is transmitted to the consumer mobile terminal. 20. The consumer mobile terminal transmits a product attribute information provision request for requesting provision of at least one of price information and inventory information of a specific product to a specific retailer device, and each retailer Each device holds the price information and the inventory information of the product of the corresponding retailer as the product attribute information, and each retailer device requests the product attribute information provision request transmitted from the consumer mobile terminal. 16. The information providing system according to claim 15, wherein at least one of price information and inventory information of a specific product is transmitted to the consumer mobile terminal when the information is received. 21. Each retailer's device is managed by at least one payment intermediary, and is connected to at least one payment intermediary that mediates a payment process related to the sale of goods. The identification information of at least one payment intermediary is recorded, and the consumer mobile terminal includes the identification information of the specific payment intermediary, and the payment application information for applying for the payment process for the specific product is specified by the retailer. When the retailer device receives the payment application information from the consumer mobile terminal, the retailer device sends the payment request information to the intermediary device corresponding to the identification information of the specific intermediary included in the payment application information. 16. The information providing system according to claim 15, further comprising transmitting a payment intermediation request for intermediating a payment process for the particular product. 22. Communication between at least one or more retailer devices holding information about the retailer's merchandise and at least one or more payment processing devices that perform settlement processing regarding the sale of the product between the retailer and the consumer. A payment intermediary method for performing an intermediary of a payment process between the retailer device and the payment processing device, wherein at least one or more payment accounts used for the payment process and each payment account for each consumer. Payment attribute information recording step for recording the payment attribute information indicating the payment processing device corresponding to, the identification information of the consumer targeted for payment, the identification information of the retailer targeted for payment, and the payment information from one of the retailer devices. A communication step of receiving a payment intermediation request including payment amount information indicating an amount of money; and payment attribute information corresponding to the identification information of the consumer to be paid A payment attribute information management step of searching as a payment attribute information from the payment attribute information recording step and selecting a specific payment account as a target payment account from at least one or more payment accounts indicated in the searched target payment attribute information. And a payment request generating step of generating a payment request for requesting a payment process to the target payment account, including the identification information of the retailer of the payment object and the payment amount information, and the communication step: A payment intermediary method comprising transmitting the payment request to a payment processing device corresponding to the target payment account. 23. The payment attribute information recording step records, for each consumer, payment attribute information indicating a payment condition corresponding to each of at least one or more payment accounts, and the payment attribute information management step comprises: 23. The payment intermediary method according to claim 22, wherein a payment account having a payment condition that matches the payment amount indicated in the payment amount information is selected as a target payment account. 24. The payment attribute information recording step indicates a plurality of payment accounts, and associates the priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts with any of the consumers. In the payment attribute information management step, when the target payment attribute information is the priority setting payment attribute information, the target payment attribute information is added to the target payment attribute information based on the priority indicated in the target payment attribute information. 24. The payment intermediary method according to claim 22 or 23, wherein a specific payment account is selected as a target payment account from the plurality of payment accounts shown. 25. The payment attribute information recording step records delivery destination information indicating a delivery address of a product as a part of the payment attribute information, and the communication step is a payment destination of the payment request. From the processing device, the payment approval information indicating that the payment request is approved is received, and the payment attribute information management step is performed from the target payment attribute information when the payment approval information is received by the communication step. The delivery destination information is acquired, and the communication step is the sender of the payment intermediation request, wherein the delivery destination information acquired in the payment attribute information management step and the payment approval information received in the communication step are transmitted. 23. The payment intermediary method according to claim 22, wherein the payment is transmitted to a retailer's device. 26. The payment attribute information recording step records payment attribute information indicating a plurality of payment accounts and a payment processing device corresponding to each of the plurality of payment accounts, in association with any one of the consumers, and the communication. The step receives settlement denial information indicating that the settlement request has been rejected from the settlement processing device that is the destination of the settlement request, and the settlement attribute information management step includes the settlement denial information by the communication step. When received, and when the target payment attribute information indicates a plurality of payment accounts, any one other than the payment accounts already selected from the plurality of payment accounts indicated in the target payment attribute information. That payment account is selected as the target payment account, and the payment request generation step is performed by the payment target retailer. Generating a payment request including identification information and the payment amount information and requesting a payment process to the target payment account; and the communication step, to the payment processing device corresponding to the target payment account, the payment request. 23. The payment intermediary method according to claim 22, wherein the payment intermediary is transmitted. 27. The payment attribute information recording step indicates a plurality of payment accounts, and associates the priority setting payment attribute information in which a priority is set for each of the plurality of payment accounts with any of the consumers. The payment attribute information management step is performed when the payment rejection information is received in the communication step and the target payment attribute information is the priority setting payment attribute information. Based on the priority indicated in the information, any payment account other than the payment account already selected from the plurality of payment accounts indicated in the target payment attribute information is selected as a target payment account. The payment intermediary method according to claim 26. 28. The communication step receives settlement denial information indicating that the settlement request has been rejected from a settlement processing device that is the destination of the settlement request, and the settlement attribute information management step includes the communication. When the payment refusal information is received by the step, it is determined whether or not there is another selectable payment account in the target payment attribute information, and the communication step is performed by the payment attribute information management step. 23. The payment refusal information is transmitted to the retailer device that has transmitted the search intermediation request when it is determined that there is no other selectable payment account in the payment attribute information. The described payment intermediary method.