JP2003256743A - Settlement method, settlement system, storage medium, and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a simple and easy settlement method. <P>SOLUTION: In this settlement method, electronic money is held in a storage medium incorporated in a radio communication terminal unit as information to pay the electronic money from user's account in a financial institution by a ratio communication means of the radio communication terminal unit in order to settle the price of purchase of articles and service by the electronic money. This method is characterized in that it has a step for comparing a balance of the electronic money with conditions set in advance, a step for recording the information indicating an arbitrary amount set in advance in the storage medium as electronic money when the balance coincides with the conditions as a result of comparison, and a step for automatically settling the amount recorded in the storage medium on the user's account in the financial institution. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method and system using prepaid electronic money.

[0002]

2. Description of the Related Art It has been devised to incorporate an IC card into a mobile phone so as to have a function as electronic money. Mainly, electronic money is deposited in advance in the IC card built in the mobile phone, and when the balance becomes low, the user withdraws cash as electronic money from the user's financial institution account each time the communication function of the mobile phone is used. It is a prepaid system.

[0003]

However, in the above-mentioned conventional example, the maximum amount of electronic money that can be deposited is determined. In addition, when the balance of electronic money is reduced, the user has to pull out from the account of the financial institution and deposit the money each time, which is inconvenient.

[0004]

In order to solve the above-mentioned problems, the present invention holds electronic money as information in a storage medium built in a wireless communication terminal, and a user uses the wireless communication means of the wireless communication terminal. In the settlement method of depositing the electronic money from the financial institution account and paying for the purchase of goods or the service with the electronic money, the step of comparing the balance of the electronic money with a preset condition, When the result conditions are met, a step of recording information representing an arbitrary preset amount as electronic money in the storage medium, and automatically setting the amount recorded in the storage medium in the financial institution account of the user There is provided a payment method and the like.

[0005]

BEST MODE FOR CARRYING OUT THE INVENTION (First Embodiment) A first embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a view best showing the configuration of the present invention. In FIG. 1, 101 is a mobile terminal having a connection function to the Internet, and 102 is a non-contact type which is built in the mobile terminal 101 and holds electronic money information. IC card, 10
Reference numeral 3 is a server that performs settlement with a financial institution 104 in response to a request for electronic money from the mobile terminal 101, 104 is a financial institution with which a user has an account, and 105 is the Internet.

The user deposits electronic money in the IC card 102 and places it in advance. When the user uses the electronic money held in the IC card to settle the purchase of goods and the balance decreases,
The mobile terminal 101 compares the condition with a preset condition. If the conditions are met, the mobile terminal 101 connects to the server 103 via the Internet. The server 103 transmits an arbitrary amount of money set in advance as electronic money to the mobile terminal 101. The mobile terminal 101 writes the received electronic money information in the IC card 102, and when the writing is completed, notifies the server 103 of the result. The server 103 is a financial institution 104
And the mobile terminal 101 is notified when the payment is completed. Needless to say, the mobile terminal 101 also includes a mobile phone.

FIG. 2 is a sequence diagram showing well the procedure according to the first embodiment of the present invention. In the figure, 101,
102, 103, 104 are the same as in FIG.

The mobile terminal 101 requests a preset amount of money from the server 103 via the Internet 105 (S201). The server 103 is the financial institution 10
4 requesting a user account balance inquiry (S20)
2). The financial institution 104 sends the balance to the server 10 based on the request.
3 (S203). When the server 103 confirms that the balance is not insufficient, it sends the electronic money information to the portable terminal 101 (S204). The mobile terminal 101 writes the received electronic money information in the IC card 102 (S
205). The mobile terminal 101 sends the result of writing to the server 10
3 (S206). When the writing is normally performed, the server 103 makes a settlement with the financial institution 104 for the amount of money transmitted to the mobile terminal as electronic money (S20).
7). The financial institution notifies the server 103 of the end of payment (S208), and the server 103 transmits the end of payment to the mobile terminal 101 (S209).

FIG. 3 is a flow chart for explaining the procedure of the portable terminal according to the first embodiment of the present invention. The electronic money balance of the IC card 102 is confirmed immediately after the user makes the IC card payment or at an arbitrary timing (S3).
01). It is determined whether the balance matches a preset condition (S302). If the conditions are matched, reading of the IC card is prohibited (S304), and if they are not matched, the process ends. When the reading of the IC card is prohibited, the user logs in to the server 103 and requests the deposit of a preset amount of money (S305, S306). The result is received from the server 103 (S307). Here, if the account balance of the financial institution 104 is insufficient for the requested amount, the server sends a notification indicating that the balance is insufficient, and if the balance is sufficient, electronic money information is sent, and this is determined (S308). . If the balance is insufficient, the server 103 is logged out (S315). If the balance is sufficient, the received electronic money information is written in the IC card 102 (S309),
It is verified whether the data has been written correctly (S310).
If it is not written correctly, a notification indicating that the writing has failed is transmitted to the server 103 (S31).
3) and log out (S315). When the writing is completed correctly, the notification indicating that the writing is successful is transmitted to the server 103 (S312). When the notification indicating that the settlement with the financial institution is completed is received from the server 103 (S314), the server 103 logs out (S31).
5) Then, release the IC card read prohibition (S31
6) Finish.

FIG. 4 is a flow chart for explaining the procedure of the server according to the first embodiment of the present invention.

It waits for the portable terminal 101 to log in (S401). When the mobile terminal logs in, it waits for a deposit request (S402). Next, it requests the financial institution 104 to inquire about the balance of the user account (S403). When the balance inquiry result is received (S404), it is determined whether the balance is insufficient (S405), and when the balance is insufficient, a notification indicating that the balance is insufficient is transmitted to the mobile terminal 101 (S407). ), Wait until you are logged out (S41
3). When the balance is sufficient, the electronic money information of the requested amount is transmitted to the mobile terminal 101 (S406), and the writing result to the IC card is waited (S408). The writing result is judged (S409), and if unsuccessful, it is waited for being logged out. When payment is completed (S411),
The mobile terminal 10 sends a payment completion notification indicating that the payment is completed.
1 (S412), and waits for logout (S413).

The server 103 may be a general computer as shown in FIG.

FIG. 6 is a diagram showing an internal configuration of a general personal user terminal device. In FIG. 7, 1200
Is a computer PC. PC1200 is CPU1
201, which executes device control software stored in the ROM 1202 or the hard disk (HD) 1211 or supplied from the flexible disk drive (FD) 1212, and executes the system bus 1204.
Control each device connected to the.

The CPU 1201 and RO of the PC 1200
The function of each unit of the present embodiment is realized by the program stored in the M1202 or the hard disk (HD) 1211. A RAM 1203 functions as a main memory and a work area of the CPU 1201. A keyboard controller (KBC) 1205 is a keyboard (K
B) Control instruction input from 1209 or a device (not shown). 1206 is a CRT controller (CRTC)
Controls the display of the CRT display (CRT) 1210. 1207 is a disk controller (DKC)
Then, the boot program (startup program: a program that starts execution (operation) of the hardware and software of the PC),
It controls access to a hard disk (HD) 1211 and a flexible disk (FD) 1212 that store a plurality of applications, edit files, user files, network management programs, and the like. 1208
Is a network interface card (NIC),
Bidirectional data exchange is performed with a network printer, another network device, or another PC via the AN 1220.

(Second Embodiment) A second embodiment of the present invention will be described with reference to the drawings.

FIG. 5 is a flow chart for explaining the procedure of the portable terminal according to the second embodiment of the present invention.

The same as the first embodiment except that the timer S501 is added. I as in the first embodiment
When the balance of the C card is judged (S302), it waits until a preset arbitrary time or arbitrary time (S5).
01). After that, it is similar to the first embodiment.

(Other Embodiments) Even if the present invention is applied to a system composed of a plurality of devices (for example, host computer, interface device, reader, printer, etc.), one device (for example, copying machine, facsimile machine) It may be applied to a device consisting of.

Further, the functions of the above-described embodiments are implemented by a computer in an apparatus or system connected to the various devices so that the various devices are operated to implement the functions of the above-described embodiments. What is implemented by supplying the program code of software for operating the above-mentioned various devices according to the program stored in the computer (CPU or MPU) of the system or apparatus is also included in the scope of the present invention.

Further, in this case, the program code itself of the software realizes the functions of the above-described embodiments, and the program code itself constitutes the present invention. As a transmission medium of the program code, a communication medium (a wired line such as an optical fiber or a wireless line) in a computer network (LAN, WAN such as the Internet, a wireless communication network, etc.) system for propagating and supplying the program information as a carrier wave. Etc.) can be used. Further, means for supplying the program code to a computer, for example, a recording medium storing the program code constitutes the present invention. A flexible disk, a hard disk, an optical disk, a magneto-optical disk, a CD-ROM, a magnetic tape, a non-volatile memory card, a ROM, or the like can be used as a recording medium for storing the program code.

Further, not only the functions of the above-described embodiments are realized by executing the supplied program code by the computer, but also the OS (operating system) in which the program code is operating in the computer or other It goes without saying that the program code is also included in the embodiment of the present invention when the functions of the above-described embodiment are realized in cooperation with the application software of the above.

Further, after the supplied program code is stored in the memory provided in the function expansion board of the computer or the function expansion unit connected to the computer, the function expansion board or function expansion unit is instructed based on the instruction of the program code. It goes without saying that the present invention also includes a case where the CPU or the like included in the above-mentioned performs some or all of the actual processing and the functions of the above-described embodiments are realized by the processing.

It should be noted that the shapes and structures of the respective parts shown in the above-mentioned embodiments are merely examples of the embodiment for carrying out the present invention, and the technical scope of the present invention is thereby provided. It should not be construed as limiting. That is, the present invention can be implemented in various forms without departing from the spirit or the main features thereof.

(Other Embodiments) Even if the present invention is applied to a system composed of a plurality of devices (for example, host computer, interface device, reader, printer, etc.), one device (for example, copying machine, facsimile machine) It may be applied to a device consisting of.

Further, the functions of the above-described embodiments are implemented by a computer in an apparatus or system connected to the various devices so that the various devices are operated to implement the functions of the above-described embodiments. What is implemented by supplying the program code of software for operating the above-mentioned various devices according to the program stored in the computer (CPU or MPU) of the system or apparatus is also included in the scope of the present invention.

Further, in this case, the program code itself of the software realizes the functions of the above-described embodiments, and the program code itself constitutes the present invention. As a transmission medium of the program code, a communication medium (a wired line such as an optical fiber or a wireless line) in a computer network (LAN, WAN such as the Internet, a wireless communication network, etc.) system for propagating and supplying the program information as a carrier wave. Etc.) can be used.

Further, means for supplying the program code to a computer, for example, a recording medium storing the program code constitutes the present invention. A flexible disk, a hard disk, an optical disk, a magneto-optical disk, a CD-ROM, a magnetic tape, a non-volatile memory card, a ROM, or the like can be used as a recording medium for storing the program code.

Further, the computer executes the supplied program code so that not only the functions of the above-described embodiments are realized, but also the OS (operating system) or the other in which the program code is operating in the computer. It goes without saying that the program code is also included in the embodiment of the present invention when the functions of the above-described embodiment are realized in cooperation with the application software of the above.

Further, after the supplied program code is stored in the memory provided in the function expansion board of the computer or the function expansion unit connected to the computer, the function expansion board or function expansion unit is instructed based on the instruction of the program code. It goes without saying that the present invention also includes a case where the CPU or the like included in the above-mentioned performs some or all of the actual processing and the functions of the above-described embodiments are realized by the processing.

It should be noted that the shapes and structures of the respective portions shown in the above-mentioned embodiments are merely examples of the embodiment in carrying out the present invention, and the technical scope of the present invention is thereby provided. It should not be construed as limiting. That is, the present invention can be implemented in various forms without departing from the spirit or the main features thereof.

[0032]

As described above, according to the first aspect of the invention, even prepaid electronic money is convenient because the user does not have to deposit the money each time the balance becomes small. According to the second aspect of the present invention, the IC card cannot be deposited until an arbitrary time has passed, so that even if the card is illegally used, the amount of money that can be used at one time is up to the balance of the IC card. It is possible to carry out the procedure of prohibiting deposit within the time until deposit.

[Brief description of drawings]

FIG. 1 is a block diagram illustrating a configuration according to a first exemplary embodiment of the present invention.

FIG. 2 is a sequence diagram illustrating a procedure according to the first embodiment of the present invention.

FIG. 3 is a flowchart illustrating a procedure of the mobile terminal according to the first exemplary embodiment of the present invention.

FIG. 4 is a flowchart illustrating a procedure of a server according to the first embodiment of the present invention.

FIG. 5 is a flowchart illustrating a procedure of the mobile terminal according to the second exemplary embodiment of the present invention.

FIG. 6 is a diagram of a general computer.

[Explanation of symbols]

101 ... Mobile terminal 102 ... IC card 103 ... server 104 ... Financial institution 105 ... Internet S201 ... Deposit request step S202 ... Balance inquiry step S203 ... Balance inquiry result notification step S204 ... Deposit step S205 ... IC card writing step S206 ... Writing result result notification step S207 ... Payment request step S208 ... Payment result notification step S302 ... Balance condition comparison step S306 ... Deposit request step S309 ... IC card writing step S312 ... Writing success notification step S402 ... Deposit request receiving step S403 ... Steps for inquiring about financial institution balance S406 ... Electronic money transmission step S410 ... Payment request step S412 ... Payment completion notification step S501 ... Timer

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Claims (14)

[Claims] 1. A storage medium built into a wireless communication terminal holds electronic money as information, and the wireless communication means of the wireless communication terminal deposits the electronic money from a user's financial institution account to purchase or purchase an article. A payment method for paying for a service using the electronic money, the step of comparing the balance of the electronic money with a preset condition, and if the result of the comparison is that the condition is met, any preset value is set. A payment method comprising: recording information representing an amount of money as electronic money in the storage medium; and automatically setting an amount of money recorded in the storage medium in a financial institution account of the user. . 2. When the balance of the electronic money is less than a preset lower limit amount, the difference from the preset lower limit amount is recorded in the storage medium as electronic money. Payment Method. 3. The settlement method according to claim 1, wherein when the balance of the electronic money falls below a preset lower limit amount, the preset amount is recorded in the storage medium as electronic money. 4. When the balance of the electronic money is below a preset lower limit amount, the difference from the preset lower limit amount is recorded in the storage medium as electronic money at an arbitrary timing. The payment method according to item 2. 5. The settlement according to claim 3, wherein when the balance of the electronic money falls below a preset lower limit amount, the preset amount is recorded in the storage medium as electronic money at an arbitrary timing. Method. 6. The settlement method according to claim 1, wherein the balance of the electronic money is compared with a preset condition only immediately after the settlement. 7. The method according to claim 6, wherein when the balance of the electronic money falls below a preset lower limit amount, the difference from the preset lower limit amount is recorded as electronic money in the storage medium. Payment Method. 8. The settlement method according to claim 6, wherein when the balance of the electronic money falls below a preset lower limit amount, the preset amount is recorded in the storage medium as electronic money. 9. The settlement method according to claim 6, wherein when the balance of the electronic money falls below a preset lower limit amount, the preset amount is recorded as electronic money in the storage medium at an arbitrary timing. . 10. When the balance of electronic money is below a preset lower limit amount, the difference from the preset lower limit amount is recorded in the storage medium as electronic money at an arbitrary timing. The payment method described in 6. 11. The settlement method according to claim 6, wherein when the balance of the electronic money falls below a preset lower limit amount, the preset amount is recorded as electronic money in the storage medium at an arbitrary timing. . 12. A storage medium built in a wireless communication terminal holds electronic money as information, and the wireless communication means of the wireless communication terminal deposits the electronic money from a user's financial institution account to purchase or purchase goods. In a settlement system that setstles the price of a service by the electronic money, a means for comparing the balance of the electronic money with a preset condition, and as a result of the comparison, if the condition matches the preset amount of money And a means for automatically recording the amount of money recorded in the storage medium in the storage medium as electronic money, and means for automatically making a payment in the financial institution account of the user. 13. A computer-readable storage medium in which a program for realizing each step of the settlement method according to any one of claims 1 to 11 and each means of the settlement system according to claim 12 by a computer is stored. 14. A program for realizing each step of the settlement method according to any one of claims 1 to 11 and each means of the settlement system according to claim 12 by a computer.