JP2007102319A - Portable terminal and settlement device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a portable terminal that can select an appropriate settlement method via a simple interface. <P>SOLUTION: The portable terminal 10 stores a plurality of programs 22 corresponding to a plurality of respective settlement methods in a storage part 20 and is compatible with the plurality of settlement methods. The portable terminal 10 associates and stores settlement methods used in the past and information on the location of settlement in the storage part 20. The portable terminal 10 receives from a settlement device 30 by means of an IC chip 18 settlement methods with which the settlement device is compatible and information on the settlement location where the settlement device is installed, reads the settlement methods corresponding to the settlement location information received by the IC chip 18 from the storage part 20, selects one settlement method from settlement methods common to the settlement device 30 and portable terminal 10, and reads from the storage part 20 and executes the program corresponding to the selected settlement method. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to a portable terminal and a payment apparatus that support a plurality of payment methods.

  2. Description of the Related Art Conventionally, an IC card and a mobile terminal that can perform settlement by credit or settlement by bank account withdrawal are known. There are also known IC cards that can support not only a single payment method but also a plurality of payment methods. When a plurality of payment methods are mounted on an IC card or a mobile terminal, it is necessary to notify the operator which payment method is to be adopted at the time of payment.

Patent Document 1 proposes a technique for improving the processing efficiency of settlement processing using a multi-function IC card that can be settled by a plurality of settlement methods. In this multi-function IC card, the priority order of each settlement means and the amount that can be settled by each settlement means are stored in a memory. Then, when the automatic selection key of the settlement means is operated, it is checked whether the settlement means can be settled in order from the settlement means having the highest priority, so that the highest priority among the settlement means that can be settled. Select a payment method. As a result, in the multi-function IC card described in Patent Document 1, it becomes possible to execute the payment process based on the preset desired information without the owner notifying the operator of the payment means.
JP 2002-99847 (page 8-9, FIG. 9)

  However, in Patent Document 1, it is assumed that a payment apparatus that performs payment processing can support a plurality of payment methods possessed by a multi-function IC card, but actually prepare a payment apparatus that can support all payment methods. Is not easy. Therefore, even if the payment method is determined based on the desired information, the payment device is not always compatible with the payment method.

  Further, the multi-function IC card described in Patent Document 1 merely selects a payment method according to a preset priority order, and thus cannot meet the detailed needs of the card holder. For example, in a certain store, when there is a circumstance such as receiving a privilege when using the settlement means provided by the store, the store has a need to use the settlement means provided by the store. However, since the technique described in Patent Document 1 uniformly determines the priority of each settlement means, it cannot meet such detailed needs.

  In view of the above background, an object of the present invention is to provide a mobile terminal and a payment apparatus that can select an appropriate payment method with a simple interface.

  The portable terminal of the present invention includes a program storage unit that stores a plurality of programs corresponding to each of a plurality of payment methods, and a history storage unit that stores the payment methods employed in the past and information relating to the affiliation of the payment device in association with each other. A receiving unit that receives the payment method supported by the payment device and the payment device information related to the affiliation of the payment device, and the payment device information received by the receiving unit. A payment method selection unit that reads a payment method to be read from the history storage unit and selects one payment method that is common to the payment device and the terminal itself, and the payment method selected by the payment method selection unit A corresponding program is read from the program storage unit and executed.

  With this configuration, a payment method corresponding to the affiliation of the payment device is selected from a plurality of payment methods common to the mobile terminal and the payment device based on the past employment history. Based on this, it becomes possible to select a payment method that is highly likely to be desired by the user.

  The portable terminal of the present invention uses information relating to a place where the payment apparatus is installed as the payment apparatus information.

  With this configuration, it becomes possible to select a payment method according to the payment location.

  In the mobile terminal, the payment method selection unit is configured to select a payment method adopted most recently when a plurality of payment methods corresponding to the information regarding the payment place received by the reception unit is read. Have.

  With this configuration, since a payment method is selected based on the newest information, it is possible to select a payment method that is highly likely to be desired by the user.

  A mobile terminal according to another aspect of the present invention includes a program storage unit that stores a plurality of programs corresponding to each of a plurality of payment methods, a history storage unit that stores payment methods employed in the past, and a plurality of payment methods. A receiving unit that receives information on a payment method supported by the payment device from the payment device corresponding to the payment device, and a payment method common to the payment device and the terminal itself are determined based on the history stored in the history storage unit. Corresponding to the payment method received by the payment method reception unit, and a display unit that displays the images arranged in accordance with the order in which they are displayed, and a payment method reception unit that accepts a payment method selected from the payment methods displayed on the display unit The program is read from the program storage unit and executed.

  With this configuration, the payment method is displayed according to the payment method adoption history from among a plurality of payment methods common to the mobile terminal and the payment device, so that the user can request based on the past adoption history The payment methods can be displayed in order from the highest payment method. Thereby, the user can easily select a desired settlement method.

  In the portable terminal, the display unit has a configuration that displays the most recently used payment method at the top.

  With this configuration, since the most recently used payment method is displayed at the top, it is possible to easily select the most recently used payment method.

  In the portable terminal, the display unit has a configuration in which a plurality of payment methods are displayed in order of frequency of use.

  According to this configuration, since they are displayed in order of frequency of use, it is possible to easily select a payment method with high frequency of use.

  A mobile terminal according to another aspect of the present invention stores a program storage unit that stores a plurality of programs corresponding to each of a plurality of payment methods, and a payment method that has been adopted in the past and information related to the payment location. A history storage unit, a receiving unit that receives information about a payment method supported by the payment device and a payment place where the payment device is installed, from a payment device that supports a plurality of payment methods, and the reception unit A payment method corresponding to information relating to a payment place is read from the history storage unit, a payment method selection unit that selects one payment method from payment methods common to the payment device and the terminal, and the payment method selection unit. A settlement enable / disable selection unit that accepts a selection as to whether or not to perform settlement using the selected settlement method, and the settlement when the settlement method is not performed. A display unit that displays the payment methods common to the terminal and the terminal according to an order determined based on the history stored in the history storage unit, and a payment method selected from the payment methods displayed on the display unit A payment method reception unit for receiving the payment method selected from the payment method selection unit or a program corresponding to the payment method received by the payment method reception unit from the program storage unit and executing the program Have.

  With this configuration, a payment method corresponding to a payment place is selected from a plurality of payment methods common to the mobile terminal and the payment apparatus based on the past employment history. A payment method with high possibility can be selected. In addition, when the selected payment method is not adopted, the payment method is displayed according to the payment method adoption history from among a plurality of payment methods common to the mobile terminal and the payment device. If desired, the most recent payment method can be selected, or a payment method different from the most recent payment method can be selected. In addition, since the payment method options are displayed in the order determined based on the past employment history, it is possible to easily select the payment method desired by the user.

  The payment device of the present invention is a payment device that supports a plurality of payment methods, and is compatible with an installation location storage unit that stores information related to the location where the payment device is installed, and the mobile terminal that is transmitted from the mobile terminal. A payment method receiving unit that receives information indicating a payment method to be performed, a common payment method extraction unit that extracts a payment method common to the mobile terminal and the payment device, and a payment method extracted by the common payment method extraction unit And a transmission unit that transmits information related to the location stored in the installation location storage unit to the portable terminal.

  With this configuration, since information regarding the installation location is transmitted to the mobile terminal, the mobile terminal can select a payment method according to the payment location, and can select a payment method that is highly likely to be desired by the user.

  A payment apparatus according to another aspect of the present invention includes a program storage unit that stores a plurality of programs corresponding to each of a plurality of payment methods, and information transmission that confirms the presence or absence of a program corresponding to each of the programs to a terminal. And a memory that stores a program whose response from the terminal is an affirmative response indicating that a corresponding program is present, and a transmission unit that transmits the contents of the memory to the terminal.

  With this configuration, a payment method common to the mobile terminal and the payment device can be easily extracted.

  A payment apparatus according to another aspect of the present invention is a payment apparatus corresponding to a plurality of payment methods, and information indicating a payment method supported by the mobile terminal, which is transmitted from the mobile terminal, and a payment method in the mobile terminal A reception unit that receives the adoption history of the mobile device, a common payment method extraction unit that extracts a payment method common to the mobile terminal and the payment device, and a common payment method extracted by the common payment method extraction unit. A display unit arranged and displayed according to an order determined based on the payment method, and a payment method reception unit that receives a payment method selected from the payment methods displayed on the display unit.

  With this configuration, the payment method according to the payment method adoption history is displayed based on the past adoption history from among a plurality of payment methods common to the mobile terminal and the payment device. The payment methods can be displayed in order from the highest payment method. Thereby, the user can easily select a desired settlement method.

  According to the present invention, a payment method corresponding to a payment place is selected from a plurality of payment methods common to the mobile terminal and the payment apparatus, based on the past adoption history. It has an excellent effect that a payment method having a high possibility of being desired can be selected.

Hereinafter, a mobile terminal and a settlement apparatus according to an embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a diagram illustrating a configuration of the mobile terminal 10 and the settlement apparatus 30 according to the embodiment. The settlement apparatus 30 is connected to a terminal 72 of a financial institution, a terminal 74 of a credit company, or a company-specific terminal 76 through a line 70 (which means a dedicated line for settlement, a public line such as the Internet). The settlement apparatus 30 can make a settlement by accessing the terminal 72 of the financial institution, the terminal 74 of the credit company, or the company-specific terminal 76 that manages points through the line 70.

  The payment apparatus 30 is connected to the POS cash register 60. The settlement apparatus 30 in the present embodiment is used to settle the total amount of merchandise calculated at the POS register 60. The settlement apparatus 30 is configured by, for example, mounting a settlement function on a reader / writer apparatus, and is externally attached to the POS register 60. In this embodiment, an example in which the payment apparatus 30 is connected to the POS cash register 60 is described. However, the payment apparatus 30 may be connected to, for example, a vending machine. Further, the function of the settlement apparatus 30 described below may be mounted on the POS register 60 itself.

  The POS cash register 60 may be provided between the settlement apparatus 30 and the line 70. In this case, when the payment information passes through the POS cash register, the POS cash register 60 may total the payment information. In this case, the function of the POS interface 36 is handled by the communication interface 40.

  The mobile terminal 10 has a function that allows payment by a plurality of payment methods. The portable terminal 10 can transmit and receive information to and from the payment apparatus 30 by holding the portable terminal 10 over the reader / writer interface 38 of the payment apparatus 30.

  Next, detailed configurations of the mobile terminal 10 and the settlement apparatus 30 will be described. The mobile terminal 10 includes a CPU 12, a display unit 14, an input unit 16, and a storage unit 20, similarly to a normal computer. The mobile terminal 10 includes the IC chip 18, and can read and transmit information to and from the payment apparatus 30 by being read by the reader / writer interface 38 of the payment apparatus 30.

  The storage unit 20 of the mobile terminal 10 stores a payment program for executing a payment method that the mobile terminal 10 can handle. In this example, the A payment program 22a, the B payment program 22b, the C payment program 22c, and the D payment program 22d (hereinafter, a plurality of payment programs are collectively referred to as “payment program 22” in the storage unit 20 of the portable terminal 10). Is stored). Thereby, the mobile terminal 10 can perform settlement with electronic money A, settlement with electronic money B, settlement with C credit, and settlement with D debit. In the following description, the payment method executed by the A payment program may be referred to as payment method A or the like. The payment program may be stored in the storage unit 20 in advance when the mobile terminal 10 is purchased, or may be downloaded through the line 70 or the like and stored in the storage unit 20. In addition, the payment history 24 is stored in the storage unit 20 of the mobile terminal 10.

  FIG. 2 is a diagram illustrating an example of the settlement history 24 stored in the storage unit 20. The storage unit 20 of the mobile terminal 10 stores information on the settlement date, settlement location, and settlement method as a settlement history. The information related to the settlement date / time is information indicating the date / time when the settlement was performed. The information regarding the settlement location is information indicating the store where the settlement has been performed. The information regarding the settlement location indicates the type of store, for example, convenience store Y. Therefore, in the case of convenience store Y, even if store locations are different, such as convenience store Y's Akasaka store and convenience store Y's Otemachi store, they are stored as the same settlement location. The information related to the payment method is information indicating the payment method in which payment was made. From this payment history 24, it is possible to obtain the usage frequency of each payment method at each payment place and information on the latest payment method.

  In the present embodiment, the storage unit 20 describes an example in which only information related to the settlement date and settlement location is stored. However, the storage unit 20 may further store settlement amount information, service point information, and the like. Good.

  Next, the settlement apparatus 30 will be described. As shown in FIG. 1, the settlement apparatus 30 includes a CPU 32, a display unit 34, and a storage unit 50. Further, the settlement apparatus 30 includes a POS interface 36 that communicates with the POS register 60, a reader / writer interface 38 that reads the IC chip 18 of the mobile terminal 10, and a communication interface 40 that connects to the line 70.

  The storage unit 50 of the payment apparatus 30 stores a payment program for executing a payment method that the payment apparatus 30 can handle. In this example, the A settlement program 52a, the B settlement program 52b, the C settlement program 52c, and the E settlement program 52e are stored in the storage unit 50 of the settlement apparatus 30. Thereby, the settlement apparatus 30 can perform settlement by electronic money A, settlement by electronic money B, settlement by C credit, and settlement by E credit. Similar to the mobile terminal 10, these payment programs may be stored in the storage unit 50 in advance when the payment apparatus 30 is installed, or may be downloaded through the line 70 or the like and stored in the storage unit 50. Further, the storage unit 50 of the settlement apparatus 30 stores location information regarding the location where the settlement apparatus 30 is installed. The location information is information corresponding to information related to a payment location stored as a payment history in the storage unit 20 of the mobile terminal 10.

Next, operations of the mobile terminal 10 and the settlement apparatus 30 according to the embodiment will be described.
FIG. 3 is a flowchart showing the operation of the mobile terminal 10 at the time of settlement. As a situation where payment using the mobile terminal 10 is performed, for example, when the clerk inputs the price of the product and the total amount is displayed on the POS cash register 60, the total amount is paid using the mobile terminal 10. Cases can be considered.

  First, the user holds the portable terminal 10 over the payment apparatus 30 connected to the POS register 60 and brings the IC chip 18 mounted on the portable terminal 10 close to the reader / writer interface 38 of the payment apparatus 30 to bring the payment apparatus 30 into the payment apparatus 30. The IC chip 18 is read. Thereby, transmission / reception of information between the portable terminal 10 and the settlement apparatus 30 becomes possible. The mobile terminal 10 acquires from the payment apparatus 30 information on a common payment method common to the payment apparatus 30 and the mobile terminal 10 and information on a place where the payment apparatus 30 is installed (S10).

Next, two types of methods for acquiring information on the common settlement method and information on the location will be described with reference to FIGS. 4 and 5.
FIG. 4 is a flowchart showing a detailed operation for acquiring information on the common settlement method and information on the location. The mobile terminal 10 transmits the payment method information supported by the mobile terminal 10 to the payment apparatus 30 (S30). When the payment device 30 receives the payment method information transmitted from the mobile terminal 10 (S32), the payment device 30 performs a process of extracting a payment method common to the mobile terminal 10 and the payment device 30 (S34 to S40).

  An operation for extracting a payment method common to the mobile terminal 10 and the payment apparatus 30 will be described in detail. The payment apparatus 30 selects one of the payment methods received from the mobile terminal 10 (S34), and determines whether or not the payment apparatus 30 supports the same payment method as the selected payment method. (S36). If a payment program that can perform the same payment method is stored in the payment device 30 (YES in S36), the payment device 30 supports the same payment method as the mobile terminal 10, and therefore information indicating the payment method. Is stored in the memory (S38).

  In this example, the payment apparatus 30 receives information from the mobile terminal 10 that the mobile terminal 10 can support the payment methods A to D. When payment method A is selected (S34), payment device 30 can also execute payment method A (YES in S36), and stores payment method A in the memory. Similarly, settlement methods B and C are also stored in the memory. If there is no payment program that can perform the same payment method in the payment apparatus 30 (NO in S36), the payment apparatus 30 proceeds to the next step without storing in the memory. For example, since the payment apparatus 30 does not support the payment method D (NO in S36), the payment method D is not stored in the memory.

  The settlement apparatus 30 checks whether or not there is a settlement program that can perform the same settlement method for all the settlement methods received from the mobile terminal 10 (S40). As a result, when all the payment methods are determined (YES in S40), the payment device 30 uses the payment method stored in the memory as the payment method common to the mobile terminal 10 and the payment device 30. (S42). At this time, the settlement apparatus 30 also transmits information indicating the installation location stored in the memory to the mobile terminal 10. The mobile terminal 10 receives the information indicating the common payment method and the information indicating the payment place transmitted from the payment device 30, and acquires the information indicating the common payment method (S44).

  FIG. 5 is a diagram illustrating a process in the case where an inquiry is made for each of a plurality of payments from the payment apparatus 30 to the mobile terminal 10. The settlement apparatus 30 polls the mobile terminal 10 and inquires about each settlement method supported by the settlement apparatus 30 one by one (S50, S52). The portable terminal 10 determines whether or not the same payment method as the payment method received from the payment device 30 is supported (S54). If there is no same payment method (NO in S54), the mobile terminal 10 A negative response is transmitted (S56), and if there is the same settlement method (YES in S54), an affirmative response is transmitted to the settlement apparatus 30 (S58). Here, a negative response is transmitted when there is no identical payment method (S56), but it is also possible to adopt a mode in which no response is made.

  When receiving the response from the mobile terminal 10 (S60), the settlement apparatus 30 determines whether or not the received response is an affirmative response (S62). If the received response is an affirmative response (YES in S62), information indicating the settlement method is stored in the memory (S64). Then, it is determined whether or not all the payment methods have been inquired (S66). If there is a payment method that has not been inquired yet (NO in S66), polling of the mobile terminal 10 is performed (S50). When an inquiry is made regarding all payment methods (YES in S66), the payment device 30 transmits the common payment method and location information to the mobile terminal 10 (S68, S70).

  Next, the operation of the mobile terminal 10 after acquiring the common settlement method will be described with reference to FIG. 3 again. The portable terminal 10 determines whether or not the function for automatically selecting a payment method is turned on (S12). When the automatic selection function is ON, the mobile terminal 10 automatically selects a payment method, and when the automatic selection function is OFF, the mobile terminal 10 causes the user to select a payment method. Since the user can set whether or not to use the automatic selection function, it is possible to deal with both cases where automatic selection is desired and cases where automatic selection is not desired, so that convenience can be improved. Note that it is optional to have this function, and an aspect in which the automatic selection function is not switched ON / OFF is also included in the scope of the present invention.

  When the automatic selection function is ON, the mobile terminal 10 determines whether there is a payment history at the same place based on the payment history information stored in the storage unit 20 (S14). As a result, when there is a payment history at the same place, the mobile terminal 10 displays the payment method used most recently at the place (S16), and whether or not payment can be made by the payment method. The user is inquired (S18).

  The mobile terminal 10 displays a screen as shown in FIG. 7 and accepts an input of “OK” or “Cancel”. If “OK” is input, the payment process using the payment method displayed on the screen is performed (S24). If “Cancel” is input, the payment method displayed on the screen is processed. If not, the process proceeds to a process of accepting selection of a payment method (S20).

  Next, a process in which the mobile terminal 10 accepts a payment method selection will be described. The process (S20) for accepting the selection of the payment method is not only performed when the payment method selected by the mobile terminal 10 is canceled (NO in S18), but also when the automatic payment method selection function is OFF (in S12). NO), even when there is no settlement history at the same settlement location (NO in S14), the process is executed.

  FIG. 6 is a flowchart illustrating in detail the process (S20) for accepting selection of a payment method. First, the mobile terminal 10 reads the settlement history 24 stored in the storage unit 20 (S80). Subsequently, the mobile terminal 10 ranks the most recently used settlement method based on the read settlement history 24 (S82), and then ranks the second or lower rank in descending order of frequency of use. (S84). Thereafter, the mobile terminal 10 arranges the payment methods in accordance with the assigned order and displays them on the display unit 14 (S86).

  FIG. 8 is a diagram illustrating an example of a screen displayed on the mobile terminal 10. On the mobile terminal 10, electronic money B, which is the most recently used payment method, is displayed as the first option. Next, among payment methods other than electronic money B, electronic money A, which is a payment method that is frequently used, is displayed as a second option. Subsequently, C credit, which is the most frequently used payment method after electronic money A, is displayed as a third option. In the screen shown in FIG. 8, the electronic money B that is ranked first is focused first, then when the cursor is moved downward, the second option is focused, and when the cursor is moved further downward, the first Focus on 3 choices. Therefore, it is possible to easily select a high-ranking option. The payment method can be selected not only by moving the cursor but also by inputting an option number indicating the payment method.

Next, the operation of the mobile terminal 10 after displaying the settlement method list will be described with reference to FIG. 3 again. When a payment method is selected on the screen shown in FIG. 8 and “OK” is pressed, the mobile terminal 10 performs a payment process using the selected payment method (S24). After completion of the payment process, the mobile terminal 10 stores the payment method used for the payment and information regarding the payment location in the storage unit 20 of the mobile terminal 10 (S26).
Heretofore, the configurations and operations of the mobile terminal 10 and the settlement apparatus 30 according to the present embodiment have been described.

  The mobile terminal 10 according to the present embodiment first acquires a payment method common to the mobile terminal 10 and the payment device 30 from the payment device 30, and from among the acquired plurality of common payment methods, at the payment place. Select the payment method used most recently and display it on the screen. As a result, if the user selects a payment method displayed on the screen, the payment process is performed immediately, so that it is possible to select a payment method with a high probability of being selected by the user with a simple interface. .

  Moreover, the portable terminal 10 of this Embodiment displays the several payment method common to the portable terminal 10 and the payment apparatus 30 as an option, when not using the payment method used most recently. At this time, the most recently used payment method is set as the first option, and the second and subsequent options are displayed in order of frequency of use, so that the most recently used payment method or the frequently used payment method can be displayed with a simple interface. You can choose.

  As described above, the portable terminal 10 and the settlement apparatus 30 of the present invention have been described in detail with reference to the embodiment, but the present invention is not limited to the above-described embodiment.

  In the embodiment described above, the mobile terminal 10 performs the process of arranging and displaying the payment methods common to the mobile terminal 10 and the payment apparatus 30 based on the payment history. Good. In this case, the mobile terminal 10 transmits information on the payment history to the payment apparatus 30 when transmitting information on the payment method supported by the mobile terminal 10. Based on the payment history transmitted from the mobile terminal 10, the payment apparatus 30 ranks the most recent payment method to the first place, and displays the payment method by giving the second or lower rank in order of frequency of use. Determine the order. The payment apparatus 30 preferably displays payment method options on the screens 62 and 64 of the POS register 60 connected to the payment apparatus 30 as shown in FIG. By displaying on the screen 64 on the user side, the user can grasp the available payment methods at a glance. Further, by displaying on the screen 62 on the operator side, the settlement method selected by the user can be easily input from the keyboard 66 of the POS register 60.

  Further, in the above-described embodiment, an example in which information related to the settlement date, settlement location, and settlement method is stored as the settlement history has been described. However, for the old settlement history, only the number of settlements of each settlement method is stored. Information regarding the settlement date and the settlement location may be deleted. Thereby, the area | region of the memory | storage part 20 can be used effectively.

  In the above-described embodiment, when displaying the list of payment methods, the payment method used most recently is ranked first, and then the order is given in descending order of frequency of use to determine the display order. However, the display order of the payment methods based on the payment history 24 is not limited to this order. For example, the two most recently used payment methods may be ranked first and second, and then ranks are used in descending order of frequency of use. Further, the display order may be determined in consideration of the frequency of use of the payment method and the period since the payment method was last used. In addition to this, various methods of determining the display order based on the settlement history can be considered.

  Further, in the above-described embodiment, when the settlement method options are displayed, the most recently used settlement method is displayed in order by assigning the first rank, but the most recently used settlement method is displayed. If it is not adopted (NO in S18, see FIG. 3), when the payment method selection process (S20) is followed, the most recently used payment method is excluded from the options in the payment method selection process (S20). May be.

  In the above-described embodiment, an example is described in which the settlement method list is displayed on the display screen (S20), and when the settlement method is selected (S22), the settlement process is immediately performed (S24). Prior to this, it may be confirmed whether or not payment can be performed by the payment method selected by the user. Thereby, it is possible to prevent a settlement process due to an erroneous operation. Further, if the configuration is such that a password is input when confirming the settlement method, security can be improved.

  According to the present invention, it has an excellent effect that it is possible to select a payment method that is highly likely to be desired by a user at the payment place, and is useful as a portable terminal that supports a plurality of payment methods.

The figure which shows the structure of the portable terminal and payment apparatus of embodiment The figure which shows the example of the data of the payment history memorize | stored in the memory | storage part of the portable terminal Flow chart showing operation of portable terminal Flow chart showing operation for acquiring common payment method from payment device The flowchart which shows the operation | movement which acquires a common payment system in another aspect from a payment apparatus. Flow chart showing the operation of determining the display order of the settlement method list Figure showing an example of the payment method confirmation screen The figure which shows the example of the screen of settlement method list display POS cash register perspective view

Explanation of symbols

10 Mobile terminal 12 CPU
14 Display unit 16 Input unit 18 IC chip 20 Storage unit 22 Settlement program 24 Settlement history 30 Settlement device 32 CPU
34 Display Unit 36 POS Interface 38 Reader / Writer Interface 40 Communication Interface 50 Storage Unit 52 Settlement Program 54 Location Information 60 POS Register 62, 64 Screen 66 Keyboard 70 Line 72 Financial Institution Terminal 74 Credit Company Terminal 76 Company Unique Terminal

Claims (10)

A program storage unit storing a plurality of programs corresponding to each of a plurality of payment methods;
A history storage unit that stores the payment method employed in the past and information related to the affiliation of the payment device,
A receiving unit that receives a payment method corresponding to the payment device and payment device information related to the affiliation of the payment device from a payment device corresponding to a plurality of payment methods;
A payment method selection unit that reads a payment method corresponding to the payment device information received by the reception unit from the history storage unit and selects one payment method common to the payment device and the terminal;
With
A portable terminal that reads and executes a program corresponding to the payment method selected by the payment method selection unit from the program storage unit.   The mobile terminal according to claim 1, wherein the payment apparatus information is information regarding a place where the payment apparatus is installed.   The payment method selection unit, when a plurality of payment methods corresponding to the information regarding the payment place received by the reception unit is read, selects the payment method adopted most recently. 2. The mobile terminal according to 2. A program storage unit storing a plurality of programs corresponding to each of a plurality of payment methods;
A history storage unit that stores payment methods adopted in the past;
A receiving unit that receives information about a payment method supported by the payment device from a payment device corresponding to a plurality of payment methods;
A display unit that displays the payment methods common to the payment apparatus and the terminal according to an order determined based on the history stored in the history storage unit;
A payment method reception unit for receiving selection of a payment method from the payment methods displayed on the display unit;
With
A portable terminal, wherein a program corresponding to a payment method received by the payment method reception unit is read from the program storage unit and executed.   The mobile terminal according to claim 4, wherein the display unit displays the most recently used payment method at the top.   The mobile terminal according to claim 5, wherein the display unit displays a plurality of payment methods arranged in order of frequency of use. A program storage unit storing a plurality of programs corresponding to each of a plurality of payment methods;
A history storage unit that stores the payment method adopted in the past and information related to the payment location in association with each other;
A receiving unit that receives information about a payment method supported by the payment device and a payment place where the payment device is installed from a payment device corresponding to a plurality of payment methods;
A payment method selection unit that reads out a payment method corresponding to the information regarding the payment place received by the reception unit from the history storage unit, and selects one payment method from the payment methods common to the payment device and the terminal; ,
A settlement enable / disable selection unit that accepts a selection as to whether or not to settle using the settlement method selected by the settlement method selection unit;
A display unit that displays payment methods that are common to the payment device and its own terminal in an order determined based on the history stored in the history storage unit when it is selected that payment is not made in the payment method. When,
A payment method reception unit for receiving selection of a payment method from the payment methods displayed on the display unit;
With
A portable terminal, wherein a program corresponding to a payment method selected by the payment method selection unit or a payment method received by the payment method reception unit is read from the program storage unit and executed. A payment device that supports multiple payment methods,
An installation location storage unit that stores information about the location where the settlement apparatus is installed;
A payment method receiving unit that receives information indicating a payment method supported by the mobile terminal transmitted from the mobile terminal;
A common payment method extraction unit that extracts a payment method common to the mobile terminal and the payment device;
A transmission unit that transmits the payment method extracted by the common payment method extraction unit and the location information stored in the installation location storage unit to the mobile terminal;
A settlement apparatus characterized by comprising: A program storage unit storing a plurality of programs corresponding to each of a plurality of settlement methods;
An information transmission unit for confirming the presence or absence of a corresponding program for each of the programs to the terminal;
A memory for storing a program in which the response from the terminal is an affirmative response indicating that there is a corresponding program;
A transmitter for transmitting the contents of the memory to the terminal;
A settlement apparatus characterized by comprising: A payment device that supports multiple payment methods,
A receiving unit that receives information indicating a payment method supported by the mobile terminal and a history of adoption of the payment method in the mobile terminal, transmitted from the mobile terminal;
A common payment method extraction unit for extracting a payment method common to the mobile terminal and the payment device;
A display unit that displays the common payment methods extracted by the common payment method extraction unit in an order determined based on the employment history;
A payment method reception unit for receiving selection of a payment method from the payment methods displayed on the display unit;
A settlement apparatus characterized by comprising:

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