JP2006091999A - Cellphone and credit payment completion confirmation system using cellphone - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a cellphone and a credit payment completion confirmation system that uses a cellphone for allowing a user who uses the cellphone for a credit payment to confirm that the payment is complete, without having to view the display of the cellphone. <P>SOLUTION: The system comprises a cellphone having at least a voice generating means and a light emission means, and an electronic payment communication terminal for performing a credit payment process, and makes it possible to confirm that a credit payment using the electronic payment communication terminal is complete. The electronic payment communication terminal has a means for sending a signal indicative of the completion of the payment to the cellphone upon completion of the credit payment process. The cellphone is equipped with a means for generating voice from the voice generating means upon receiving the signal, and a means for causing the light emission means to emit light. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a mobile phone provided with a storage medium storing credit card information, and an electronic payment communication terminal that performs transmission and reception with the mobile phone, receives credit card information from the mobile phone, and performs credit payment processing. The present invention relates to a credit settlement completion confirmation system using a mobile phone.

Conventionally, when a customer pays a price at a store or the like, a credit card may be used to make a credit card settlement.
Usually, these credit settlements are performed based on a credit card possessed by a customer. However, in recent years, information stored in a credit card is stored in a storage medium attached to the mobile phone, so that the mobile phone and the store A mechanism for performing credit payment by communication with an electronic payment communication terminal provided at a cash register is known. (For example, refer to Patent Document 1)
JP 2002-269485 A

In credit settlement using these mobile phones, transmission / reception is performed in a contactless manner between the mobile phone and the electronic settlement communication terminal, which is efficient, but at what point the customer has completed credit settlement processing. There is a problem that it is difficult to confirm whether or not.
For this reason, customers who are unfamiliar with the operation of mobile phones, elderly people or people with disabilities, etc., make credit payments on their mobile phones by mistake, or they are deceived by others and make credit payments on their mobile phones. Even in this case, it can be predicted that the customer himself / herself does not know that the credit card payment has been made.

  In addition, when a customer makes a credit settlement in a case where a credit application program of a plurality of different credit companies is installed in a storage medium to be attached to a mobile phone so that the customer can deal with a plurality of credit companies, The credit application program of a credit company different from the credit company that you intended to use is activated due to an operational error, etc., and you make a payment with a credit company that is different from the credit company that you intend to trade. There is a problem that can be considered.

  In any case, in credit settlement using a credit card, it is easy to check the credit card when the customer himself / herself uses the credit card, so even if you have multiple credit cards, there is little mistaken use. However, in credit payment using a mobile phone, selection instruction information of the credit company to be used is input by operating the input button etc. from the selection display displayed on the display screen, so it is easy to cause operation mistakes, There is a problem that accidents due to transaction mistakes are also likely to occur.

  According to the present invention, a user who performs credit settlement using a mobile phone having a credit processing function does not have to confirm that credit settlement has been completed by viewing the display on the mobile phone when performing credit settlement at a store or the like. However, by making it easy to confirm, the convenience of users was improved, and by making it easy to identify the credit company and credit grade that made the credit settlement, there was no mistake in the credits used. The present invention provides a mobile phone and a credit settlement completion confirmation system using a mobile phone that can make it easy to check whether or not the credit can be used safely and securely.

  The mobile phone according to the present invention has completed transmission and reception means for transmitting and receiving with an electronic payment communication terminal, voice generation means for generating sound, light emission means for emitting light, and credit payment processing completed from the electronic payment communication terminal And a means for controlling to generate sound from the sound generating means or to emit light from the light emitting means in response to receiving the processing completion signal indicating the above.

  Further, the mobile phone of the present invention includes a credit application program that performs credit processing according to the type of credit card to be used, storage means that stores a melody generated according to the type of credit card, and the processing completion signal. And a means for generating a melody corresponding to the type of credit card used.

  The credit payment completion confirmation system using a mobile phone includes a mobile phone having at least a sound generation unit and a light emitting unit and an electronic payment communication terminal that performs credit payment processing. A credit payment completion confirmation system using a mobile phone capable of confirming that payment has been completed, wherein the electronic payment communication terminal transmits a signal indicating payment completion to the mobile phone when credit payment processing is completed The mobile phone is provided with means for generating sound from the sound generating means or light emitting from the light emitting means when the signal is received. It is characterized by.

  Further, in the credit settlement completion confirmation system using a mobile phone, the mobile phone stores storage means associated with a different melody for each type of credit card, and stores the storage means when receiving the signal. Means for selecting a melody stored in association with a credit card that has been subjected to credit settlement processing from among the received melody and generating the selected melody by the voice generating means. It is characterized by.

  Since the mobile phone of the present invention generates a sound or emits light when the credit settlement process is completed, the user can easily confirm that the credit settlement is completed without looking at the display on the mobile phone. Can be useful.

  Furthermore, since the mobile phone of the present invention can confirm the type of credit card used according to the type of melody generated when the credit payment process is completed, even if the credit card is used by mistake. This makes it possible to immediately notice a mistake on the spot and to take corrective actions.

  Further, in the credit settlement completion confirmation system using a mobile phone, when the credit settlement processing is completed, a signal indicating completion of payment is transmitted from the electronic payment communication terminal to the mobile phone, and the mobile phone generates sound or emits light. Therefore, there is an advantage that the user can easily confirm that the credit card payment has been completed without looking at the display on the mobile phone, which is convenient.

  In addition, a credit card completion confirmation system using a mobile phone generates a different melody for each credit card that has undergone credit settlement processing, so it is possible to confirm the company and grade of the credit card used by simply listening to the melody. There is an effect that can be.

Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.
FIG. 1 is a diagram showing an overview of a credit settlement completion confirmation system using a mobile phone according to an embodiment of the present invention, and FIG. 2 is a system of a credit settlement completion confirmation system using a mobile phone according to an embodiment of the present invention. FIG. 3 is a block diagram, FIG. 3 is a diagram showing data stored in an IC card used in a credit settlement completion confirmation system using a mobile phone according to an embodiment of the present invention, and FIG. 4 is a mobile phone according to an embodiment of the present invention. It is a flowchart which shows the process sequence of the credit payment completion confirmation system using ID.

As shown in FIG. 1, a credit payment completion confirmation system using a mobile phone according to an embodiment of the present invention includes a mobile phone 1 owned by a credit user, an electronic payment communication terminal 2 that performs credit payment processing, and an electronic It has a credit company server 3 that communicates with the settlement communication terminal 2 via the communication line 5.
The mobile phone 1 can be detachably mounted with a small IC card 4 that is a credit card. By mounting the IC card 4 on the mobile phone 1, credit processing by the mobile phone 1 can be performed. It is.
The electronic payment communication terminal 2 is provided in a store cash register or the like, and is configured to be able to handle both cases where the customer pays for the price in cash and where the payment is made with credit.

In addition, the mobile phone 1 and the electronic payment communication terminal 2 are provided with transmission / reception means 11 such as infrared rays and wireless communication, respectively, so that transmission / reception of information between the mobile phone 1 and the electronic payment communication terminal 2 is not performed. It is configured so that it can be done by contact.
Therefore, when the user wishes to make a credit card payment using the mobile phone 1, the user can easily use the credit at a cash register in a store.
When the user makes a credit settlement using the mobile phone 1, the information can be transmitted to the credit company server 3 via the communication line 5 or the credit information can be received. .

Next, a system configuration of a credit settlement completion confirmation system using the mobile phone according to the embodiment of the present invention will be described based on FIG.
First, the mobile phone 1 includes a display unit 6 composed of a display, an audio input unit 7 composed of a microphone, an audio generation unit 8 composed of a speaker, a light emitting unit 9 composed of a lamp, an operation unit 10, a transmission / reception unit 11, an interface 12, and a storage. Means 13, battery 14, wireless communication means 15, control means 16 and the like are provided.
The interface 12 performs transmission / reception with the interface 17 of the IC card 4 attached to the mobile phone 1.

Further, the mobile phone 1 is provided with an interface 17, a control means 18, a storage means 19, and the like.
In the storage means 19 of the mobile phone 1, a credit number 22, a credit application program 20, and melody data 21 are registered in advance.
The credit application program is a program necessary for making a credit settlement, and is a program that is different for each credit company.
This credit application program can be obtained by registering a plurality of credit application programs for different credit companies in one IC card 4 and by attaching one IC card 4 to the mobile phone 1. It is possible to perform credit settlement of the credit company selected by the user from among the credit companies.

Further, as shown in FIG. 3, in the storage means 19 of the IC card 4, a credit number, a credit application program, and melody data are associated and registered.
That is, for example, when the credit payment is performed using the credit application program A in FIG. 3, the melody data P is generated from the voice generation means 8 and flows when the payment is completed.
The user operates the mobile phone 1 to be able to freely generate a melody from the voice generating means 8 at any time based on the melody data stored in the storage means 19. With respect to various melody data stored in 19, it is possible to know which melody is a melody indicating which credit company and what is the credit card grade.

The electronic payment communication terminal 2 includes a display unit 23, a communication unit 24, an input unit 25, a storage unit 26, a credit processing completion signal transmission control unit 27, a transmission / reception unit 28, a credit processing unit 29, a control unit 30, and the like. It has been.
The credit processing means 29 has a function of processing credits when receiving information based on the credit application program from the mobile phone 1.
Also, the credit processing completion signal transmission control means 27 outputs a signal indicating that the credit processing is completed from the electronic payment communication terminal 2 to the mobile phone 1 when the credit processing is completed in the electronic payment communication terminal 2. It has a function to transmit.

Further, the storage means 13 of the mobile phone 1 causes the light emitting means 9 to emit light when receiving a signal indicating the completion of credit processing from the electronic settlement communication terminal 2, and the storage means 19 of the IC card 4. A program for selecting the melody data registered in association with the used credit application program from the stored melody data and generating the sound from the sound generating means 8 is installed.
As a result, the mobile phone 1 can receive a signal from the electronic payment communication terminal 2 so that the user can be informed that credit processing has been completed due to light emission or melody generation. It is.
Also, the user can recognize the credit card company used and the grade of the card by listening to what kind of music the melody is.

Next, a processing procedure of the credit settlement completion confirmation system using the mobile phone according to the embodiment of the present invention will be described based on the flowchart of FIG.
First, when paying for the product, the user goes to the cashier counter with the mobile phone 1 with the small IC card 4 as a credit card and performs credit processing from the operating means 10 of the mobile phone 1. Input the instruction information to be selected. (Step S1)

As a result, the display means 6 of the mobile phone 1 displays the type of credit card that can be used and the selection display of the credit card to be used, and the user inputs the selection information for the credit card to be used by the user. (Step S2)
The cellular phone 1 sends selection information to the mounted IC card 4 and the credit application program selected by the IC card 4 operates. (Step S3)

As a result, processing based on the selected credit application program is performed, and when credit settlement by the electronic settlement communication terminal 2 is completed, transmission of a credit settlement completion signal from the electronic settlement communication terminal 2 to the mobile phone 1 is performed. Is done. (Step S4)
The mobile phone 1 that has received the credit settlement completion signal notifies the fact that the credit settlement has been completed by emitting light or flashing light from the light emitting means 9 and further stores it in the storage means 19 of the IC card 4. The melody information registered in association with the used credit application program is extracted from the melody that is used and sent to the mobile phone 1, and the voice generating means 7 generates the voice of the melody. (Step S5)

With the above processing, the user can confirm that credit settlement has been completed by light emission or sound generation when credit processing is performed using the mobile phone 1.
Furthermore, by identifying the melody generated from the mobile phone 1, the credit company used from the melody song and the grade of the credit card can be identified.

It is a figure which shows the outline | summary of the credit payment completion confirmation system using the mobile telephone which concerns on embodiment of this invention. It is a figure which shows the system block of the credit payment completion confirmation system using the mobile telephone which concerns on embodiment of this invention. It is a figure which shows the memory | storage data of the IC card used for the credit payment completion confirmation system using the mobile telephone which concerns on embodiment of this invention. It is a flowchart which shows the process sequence of the credit payment completion confirmation system using the mobile telephone which concerns on embodiment of this invention.

Explanation of symbols

1 Mobile phone
2 Electronic payment communication terminal
3 Credit company server
4 IC card
5 communication lines
6,23 Display means
7 Voice input means
8 Sound generation means
9 Light emitting means
10 Operating means
11, 28 Transmission / reception means
12, 17 interface
13, 19, 26 Storage means
14 batteries
15 Wireless communication means
16, 18, 30 Control means
20 Credit application program
21 Melody data
22 credit number
27 Credit processing completion signal transmission control means
29 Credit processing means

Claims (4)

A transmission / reception means for performing transmission / reception with an electronic payment communication terminal;
Sound generating means for generating sound;
A light emitting means for emitting light;
In response to receiving a processing completion signal indicating that credit payment processing is completed from the electronic payment communication terminal, control is performed to generate sound from the sound generation means or emit light from the light emission means. Means,
A mobile phone characterized by comprising: The mobile phone according to claim 1, wherein
A credit application program that performs credit processing according to the type of credit card to be used, a storage means that stores a melody that is generated according to the type of credit card, and the use upon receipt of the processing completion signal And a means for generating a melody according to the type of credit card. A mobile phone comprising at least a voice generating means and a light emitting means, and an electronic payment communication terminal for performing credit payment processing, and capable of confirming that credit payment has been completed at the time of credit payment in the electronic payment communication terminal A credit payment completion confirmation system by
The electronic payment communication terminal has means for transmitting a signal indicating completion of payment to the mobile phone when credit payment processing is completed,
The mobile phone is provided with means for generating sound from the sound generation means or means for emitting light from the light emitting means when receiving the signal. Credit payment completion confirmation system. In the credit settlement completion confirmation system by the mobile phone according to claim 3,
The mobile phone performs a credit settlement process from the storage means stored in association with a different melody for each type of credit card and the melody stored in the storage means when the signal is received. And a means for selecting a melody stored in association with the credit card and causing the voice generation means to generate the selected melody. .

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