JP2008293491A - Electronic settlement system, electronic settlement server, mobile communication terminal, and electronic settlement method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system similar to cash settlement and available also in a game parlor. <P>SOLUTION: In the electronic settlement system, a cellphone acquires an equipment ID from a ball dispenser by communicating with the ball dispenser through a non-contact IC card, and transmits to an electronic settlement server a payment request message including the equipment ID and a user ID. The electronic settlement server adds a transfer amount from a user account to a settlement company account, to a user holding amount, instructs a valuable value providing device to provide balls equivalent to a ball charge in response to the payment request message, subtracts the amount equivalent to the ball charge from the user holding amount, adds the amount equivalent to the ball charge to the holding amount of a game parlor company, and makes a transfer request to a storage network to transfer the holding amount of the game parlor company from the settlement company account to a game parlor company account. The valuable value providing device provides balls equivalent to the ball charge when receiving a providing instruction message from the electronic settlement server. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to an electronic payment system, an electronic payment server, a mobile communication terminal, and an electronic payment method, and more particularly, an electronic payment system, an electronic payment server, and a mobile communication terminal for realizing electronic payment according to cash payment. And an electronic payment method.

  With the recent development of information processing technology, communication technology, and the spread of communication infrastructure, the payment methods for fees and charges have been diversified, and various methods to replace cash payments have been proposed and used.

As a payment alternative to cash, or prepaid card of credit cards and prepaid form of so-called deferred payment format, immediate settlement type of debit card it is present.

If payment methods other than cash can be used for payments at pachinko halls , casinos, ticket offices for races such as bicycle races and horse races, and game halls (hereinafter referred to as game halls) such as various lottery sales offices , users (players) ) Will be improved, and an increase in game machine sales will also be expected due to an increase in the utilization rate of gaming machines.

However, the regulation of purpose to prevent the player to excessive borrowing, general use of the credit card in the gaming field is limited. In addition, even if allowed the payment by credit card in the gaming field, or have records of the use by credit is mailed to the home, by the use situation, have identification of the phone is suffering from the credit business and or, or a troublesome situation, and even more because of the fear of leakage of personal information, and settlement convey credit card number, a personal identification number to the arcade, the recording of personal information is left to the inside game hall player for will have a considerable sense of resistance, settlement use spread by credit card in the game arcade is difficult at present to.

In addition, cash, as another payment method other than credit card, but there is also a method of payment by prepaid card, if the result the player of the game, and had consumed all the cash in hand, the further the prepaid card It is not possible to purchase additional items. A payment method that can respond to such a request at present, even if the player wants to play a little more after spending the cash on hand in the game or has a request to eat or shop at the amusement hall Was not prepared, and the amusement hall had to overlook such potential demand.

  Furthermore, conventionally, in order to use a payment method other than cash, it is necessary for a payment operator and a user who make a payment in advance to make a written contract. There was an inconvenience that the payment method cannot be used.

An object of the present invention is to provide a new electronic settlement method similar to cash settlement that can be used in a game arcade.
Another object of the present invention is to provide an electronic payment method capable of making a contract enabling the use of an electronic payment method on a so-called online.

As means for solving the above problems, the present invention has the following features.
The first aspect of the present invention is a usage charge storage network (for example, a multi-payment network operated in Japan, etc. ) that manages user accounts, settlement company accounts, and game hall company accounts, and is not particularly limited. An electronic payment server that can request transfer between accounts to the usage price storage network (hereinafter referred to as a usage price storage network ) and can store the user-owned amount and the amusement hall operator-owned amount, and a mobile communication terminal (for example, contactless) and equipped with type IC card called a cellular phone. the following mobile communication terminal), negotiable value providing apparatus (e.g., rental ball machine, sand machine, prepaid card issuing machine, house card issuing machine, casino chip provides machine like. hereinafter It is proposed as an electronic settlement system having a valuable value providing device ).

In this electronic payment system, the mobile communication terminal includes a valuable value providing device and short-range communication means (for example, a contactless IC card chip and its reader / writer , infrared communication, wireless communication means such as Bluetooth, etc.) Device specifying information (for example, device ID) for specifying the valuable value providing device by performing communication by short-range communication means ), and user specifying information (for example, user ID) for specifying the user and device specifying information Is generated, and the payment request message is transmitted to the electronic settlement server. In addition, the electronic payment server adds a user transfer amount (for example, an amount obtained by subtracting the fee to be paid to the settlement operator from the transfer amount) according to the transfer amount from the user account to the settlement operator account. In response to the request message, the value providing apparatus is instructed to provide the valuable value according to the user payment amount (for example, ¥ 1,000 lending fee), and the amount corresponding to the user payment amount from the user possession amount And the amount corresponding to the amount paid by the user is added to the amount owned by the game hall company, and the amount according to the amount owned by the game hall company (for example, the fee to be paid to the settlement company from the amount owned by the game hall company) A transfer request is made to the usage fee storage network so that the deducted amount) is transferred from the settlement operator account to the amusement hall operator account. Further, the valuable value providing device provides a valuable value corresponding to the amount paid by the user when receiving an instruction to provide valuable value (for example, a provision instruction message) from the electronic settlement server.
According to this electronic payment systems, changes to the existing settlement methods such as credit cards and debit cards, it is possible to provide a new settlement method.

  The second aspect of the present invention is capable of requesting a transfer between accounts to a use price storage network that manages a user account, a settlement company account, and a game hall company account, and payment from a mobile communication terminal. In accordance with the request message, an electronic settlement is instructed to provide a valuable value according to a user payment amount (for example, a lending price for ¥ 1,000) to a valuable value providing device (for example, a ball lending machine, a sand machine, etc.) Proposed as a server.

The electronic settlement server includes a storage means (for example, a database unit) that stores a user-owned amount and amusement hall company-owned amount, and a user-owned amount according to a transfer amount from the user account to the settlement company account. In accordance with the transfer request processing means (for example, transfer request processing unit) to be added to the payment request message, the amount corresponding to the user payment amount is subtracted from the user holding amount, and the user payment amount is added to the game hall company holding amount Payment request processing means for requesting the usage fee storage network (for example, payment request processing) to add the amount according to the amount and transfer the amount according to the amount owned by the game hall operator from the settlement operator account to the amusement hall operator account And a provision instruction means (for example, provision instruction section) for instructing the valuable value providing apparatus to provide the valuable value according to the user payment amount. It is set to.
According to the electronic settlement server, change to the existing settlement methods such as credit cards and debit cards, it is possible to provide a new settlement method.

  A third aspect of the present invention is proposed as a mobile communication terminal for an electronic payment system. The mobile communication terminal obtains device specifying information for specifying the valuable value providing device from the valuable value providing device by performing communication by short-range communication means, and includes user specifying information and device specifying information for specifying the user, A payment request message including the above is generated, and the payment request message is transmitted to the electronic payment server, and the electronic payment server is provided with a valuable value corresponding to the user payment amount (for example, ¥ 1,000 worth of rental money). It is characterized by instructing.

The mobile communication terminal is changed to an existing payment such as credit cards and debit cards, and functions as a terminal device for implementing the new payment method.

A fourth aspect of the present invention is proposed as an electronic payment method.
This electronic payment method includes a step of requesting the usage fee storage network to transfer a transfer amount designated by a user from a user account to a settlement operator account (for example, processing S204 for transmitting a transfer request), and a user corresponding to the transfer amount A step of adding the transfer amount to the user's possession amount and storing it (for example, possession amount data processing S207), and specifying the valuable value providing device acquired by communicating with the valuable value providing device and the short-range communication means A step of receiving a payment request message including device specifying information and user specifying information for specifying a user (for example, S303), and in response to the payment request message, a user payment amount (for example, ¥ 1,000) is sent to the valuable value providing apparatus. A step (for example, a provision instruction message) instructing the provision of a valuable value according to the amount of money to rent And a step of subtracting the amount corresponding to the user payment amount from the user holding amount and adding the amount corresponding to the user payment amount to the amusement hall operator holding amount (for example, transfer processing S307), And a step of making a transfer request to the usage fee storage network so as to transfer an amount corresponding to the amount owned by the game hall company from the settlement company account to the game shop company account (for example, transfer request transmission processing S402). It is characterized by.
According to this electronic payment method, changes to the existing settlement methods such as credit cards and debit cards, it is possible to provide a new settlement method.

  A fifth aspect of the present invention is an electronic payment system mainly for a single amusement hall operator, which is a user account, a settlement operator account, and an account in a usage fee storage network that manages the amusement hall operator account. It is proposed as an electronic settlement system having an electronic settlement server capable of requesting transfer between and storing a user-owned amount, a mobile communication terminal, and a valuable value providing device.

In this electronic payment system, the mobile communication terminal communicates with the valuable value providing device by using short-range communication means (for example, a contactless IC card chip and its reader / writer) to communicate the valuable value providing device. Device identification information (for example, device ID) to be identified is acquired, a payment request message including user identification information (for example, user ID) for identifying a user and device identification information is generated, and the payment request message is sent to the electronic settlement server The electronic payment server adds the user transfer amount (for example, the amount obtained by subtracting the fee to be paid to the payment operator to the transfer amount) according to the transfer amount from the user account to the payment operator account to the user holding amount. At the same time, an amount corresponding to the transfer amount from the settlement operator account to the amusement company account (for example, paying the settlement operator from the user transfer amount) Requests the usage price storage network to transfer the amount (subtracting several charges), and according to the payment request message, according to the user payment amount (for example, ¥ 1,000 for the lending ball fee) to the valuable value providing device Instructing the provision of valuable value, subtracting the amount according to the user's payment amount from the user's possession amount, and when the valuable value providing device receives an instruction to provide the valuable value from the electronic settlement server, it responds to the user's payment amount Providing valuable value.
According to the electronic settlement system, changes to the existing settlement methods such as credit cards and debit cards, it is possible to provide a new settlement method.

  A sixth aspect of the present invention is an electronic payment server for a single amusement arcade company, as a user account, a settlement operator account, and an account in a usage fee storage network that manages the amusement hall operator account. In addition to requesting a transfer between the mobile communication terminals, the valuable value according to the user payment amount (for example, ¥ 1,000 worth of rental money) in response to the payment request message from the mobile communication terminal It is proposed as an electronic payment server that instructs the provision of

The electronic settlement server adds a storage means (for example, a database unit) for storing a user-owned amount, a user transfer amount corresponding to a transfer amount from a user account to a settlement operator account, and a transfer amount. Transfer request processing means (for example, transfer request processing unit) that requests the usage fee storage network to transfer the amount corresponding to the payment company account from the payment company account to the game hall company account, and according to the payment request message, Payment request processing means for subtracting the amount according to the user payment amount (for example, payment request processing unit), and provision instruction means for instructing the valuable value providing apparatus to provide the valuable value according to the user payment amount (for example, provision instruction) Part).
According to the electronic settlement server, change to the existing settlement methods such as credit cards and debit cards, it is possible to provide a new settlement method.

A seventh aspect of the present invention is proposed as an electronic payment method.
The electronic payment method includes a step of requesting the usage fee storage network to transfer the transfer amount designated by the user from the user account to the settlement operator account (for example, processing S504 for transmitting a transfer request), and an amount corresponding to the transfer amount Requesting the usage fee storage network to transfer from the payment operator account to the amusement hall operator account (for example, processing S507 for transmitting a transfer request), and user transfer according to the transfer amount from the user account to the payment operator account A step of adding and storing the amount of money to the amount held by the user (for example, holding amount data processing S510), and a device that identifies the valuable value providing device acquired by communicating with the valuable value providing device and the short-range communication means Receiving a payment request message including identification information and user identification information identifying a user For example, in step S603), in response to the payment request message, a step of instructing the valuable value providing apparatus to provide the valuable value according to the user payment amount (for example, the lending price for 1,000 yen) (for example, providing instruction) A message transmission process S605) and a step of subtracting an amount corresponding to the user payment amount from the user possession amount (for example, subtraction process S607).
According to this electronic payment method, changes to the existing settlement methods such as credit cards and debit cards, it is possible to provide a new settlement method.

The present invention may further have the following features.
That is, the electronic payment server determines the amount specified by the payment operator from the user account between the user and the payment operator who is the operator of the electronic payment system prior to the transmission of the provision instruction message and the transfer request message. And a digitalized contract document storage original having a digitalized contract of a contract whose content is to be withdrawn and a digital signature of a verified user and a digital signature of a settlement operator attached thereto.
In addition, the electronic settlement server transmits an electronic contract document storage original for the bank where the user account for the transaction exists.

  In addition, the electronic payment method according to the present invention is an electronic payment method that includes a transaction between a user and a payment operator who is an operator of an electronic payment system. Receiving the electronic contract and the electronic signature and electronic certificate of the user attached thereto, verifying the electronic signature and electronic certificate of the user, and depending on the verification result, the electronic contract and the settlement operator Sending the electronic signature and electronic certificate, and receiving and storing the electronic contract storage original including the electronic contract and the electronic signature of the user attached thereto, the electronic signature of the settlement operator, and the time stamp. A step.

  According to the invention having these additional features, the user can immediately use a payment method other than the cash without making a written contract between the payment operator, which is a trader who makes a payment in advance, and the user.

  According to the present invention, it is possible to realize simple and safe electronic payment that can be used in a game arcade.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[I. First Embodiment]
[1. Configuration example of electronic payment system]
FIG. 1 is a network diagram showing an example of an electronic payment system.
In the example shown in this figure, the electronic payment system 1 includes an electronic payment server 10, a mobile communication terminal 20, and a valuable value providing device 30. The electronic payment system 1 is connected to a usage charge storage network 1, an authentication server 92, and a time stamp server 94 so that they can communicate with each other.

The electronic settlement server 10 is connected to the usage fee storage network 40. The usage charge storage network 40 is a system that executes a transfer process of a specified amount from a user's account to a specified transfer destination account based on an instruction from the electronic settlement server 10 , and is operated in Japan , for example. are "Multi-Payment network" (for example, http: //www.jampa.gr.jp/pub/ reference) it is.

FIG. 2 is a block diagram showing a schematic configuration of the usage charge storage network 40. The use price storage network 40 is connected to a financial institution system 44 (including a common use center) of a financial institution such as a bank via a communication network 45 so that they can communicate with each other. The financial institution system 44 is a system capable of electronically depositing / withdrawing the following accounts. The financial institution system 44 used by the electronic payment system 1 is an account (hereinafter referred to as a user account 41) of a person who plays a game machine and pays using the electronic payment system (hereinafter referred to as a user). The account (hereinafter referred to as a settlement operator) of a person who performs the operation and management of the electronic payment system 1 directly or indirectly and receives the consideration, price, fee, etc. of the operation of the electronic payment system 1 (hereinafter referred to as a settlement operator). A payment operator account 42), and a person who provides a game by a gaming machine to a user and receives payment from the user using the electronic payment system 1 (hereinafter referred to as a game hall operator). It has an account (hereinafter referred to as a game hall company account 43). These accounts 41, 42, 43 may be provided in the same financial institution system 44, or may be provided in different financial institution systems 44. In FIG. 2, these accounts 41, 42, and 43 are illustrated as being provided in different financial institution systems 44, but the present embodiment is not limited to such a mode.

Connected to the communication network 45 is a terminal device for the requester to send a payment request to the usage fee storage network 40. As the terminal device, a personal computer (PC) 46, a mobile phone 47, an ATM (Automated Teller Machine) 48, or the like is used. In the electronic payment system 1 according to the present embodiment, the mobile communication terminal 20 or the electronic payment server 10 operates as a terminal device of the usage fee storage network 40.

Returning to FIG. 1, the description of the configuration of the electronic payment system 1 will be continued.
The electronic settlement server 10 is connected to the communication network 50 and can communicate with the valuable value providing device 30 via the communication network 50. The mobile communication terminal 20 can communicate with the electronic payment server 10 and the usage charge storage network 40 via the base station 60, the mobile communication network 70, and the gateway 80 that connects the mobile communication network 70 and the communication network 50. In addition, it is possible to communicate with the valuable value providing device 30 by the short-range communication means. The authentication server 92 can be connected to the electronic settlement server 10 and the mobile communication terminal 20 via the communication network 50 and the mobile communication network 70. The time stamp server 94 can be connected to the mobile communication terminal 20 via the communication network 50 and the mobile communication network 70. Hereinafter, each component of said electronic payment system 1 is demonstrated.

[1.1. Value-added equipment]
The valuable value providing device 30 provides the user with some valuable value (which means tangible or intangible items that can be purchased in exchange for money) as consideration for the electronic payment made by the user using the mobile communication terminal 20. It is a device to do. Incidentally, negotiable value providing device 30 of the present embodiment is not necessarily apparatus for providing directly to the user negotiable value, for example, as in the CAT debit card, the effect electronic payments can be It also includes a device that provides a valuable value to the user indirectly, such as notifying the game hall (store) side and delivering the goods to the user to the game hall side.
In addition, the valuable value providing device 30 may be a device that outputs, transmits, or writes electronic data as valuable value to another device or a storage medium. For example, the valuable value providing device 30 may be a device that transmits a message or command for providing a game or game to a network-connected gaming machine or game machine. In this case, the user can enjoy the game price paid by using the electronic payment system 1, games and games for the game price through the valuable value providing device 30. In addition, the valuable value providing device 30 may be a device that writes electronic data indicating the number of times the game machine can be used, the available amount, etc., to a storage medium such as an IC card, a mobile phone equipped with an IC card function, or a USB memory. . The user reads the storage medium on which electronic data has been written by the valuable value providing device 30 to a device such as a gaming machine, a game machine, a sales machine, a checkout machine, etc., and acquires products and services provided by these devices can do.

FIG. 3 is a functional block diagram showing a configuration example of the valuable value providing device 30 and the mobile communication terminal 20. Hereinafter, the configuration of the valuable value providing device 30 will be described with reference to FIG.
The valuable value providing device 30 includes a network communication processing unit 301, a providing control unit 302, a providing device side short-range communication unit 303, a valuable value supplying unit 304, and a game history processing unit 305.

  The network communication processing unit 301 has a function of executing communication with the electronic payment server 10 via the communication network 50, and is, for example, a communication board equipped with a protocol stack.

  The provision control unit 302 has a function of commanding and controlling operations of the network communication processing unit 301, the providing device side short-range communication unit 303, and the valuable value supply unit 304. It is a built-in microcomputer.

  The providing device side near field communication unit 303 has a function of communicating with the terminal side near field communication unit 201 mounted on the mobile communication terminal 20, and is, for example, a reader / writer of a non-contact type IC card. Note that the communication method used by the providing device side short-range communication unit 303 is not limited to wireless communication, and may be infrared communication. Further, the present invention is not limited to a non-contact communication method, and the present invention can be realized even if a communication method using a communication cable or a USB socket is employed.

The valuable value supply unit 304 has a function of providing a valuable value to the user in accordance with an instruction from the provision control unit 302. The valuable value supply unit 304 is, for example, a lending output unit of a ball lending machine, a medal hopper of a medal lending machine, a casino chip lending machine, a display of an authentication terminal (for example, a CAT terminal), or a printer. Any value can be used as long as it can be purchased with money, such as rental balls, rental medals, casino chips, prepaid cards , on-value cards (house cards) or equivalents, intangible services, etc. It is. The valuable value supply unit 304 is not necessarily limited to directly providing the valuable value to the user, but may indirectly provide the valuable value to the user. For example, the valuable value supply unit 304 is a liquid crystal display device, and this liquid crystal display device displays a message instructing delivery of a product to a store clerk or staff of a game hall. It is one form.

  The game history processing unit 305 generates game history data that is data related to the player's game history based on the use of the valuable value providing device 30 by the player, and transmits the game history data to the server via the network communication processing unit 301. It has a function.

  For example, it is assumed that the valuable value providing device 30 is a sand machine (ball lending machine) attached to a specific gaming machine. In order for a player to play a game on the gaming machine to which the sand machine is attached, settlement by the electronic settlement system 1 is performed by the valuable value providing device 30 which is a sand machine and his mobile phone which is the mobile communication terminal 20. Get a ball loan. The game history processing unit 305 provides game history data which is data such as which player has played which gaming machine, how much money has been played, and the operation status of the control unit 302 and the gaming machine It is generated from the operation status and transmitted to a server that manages game history data. The game history data is sent to and stored in the server every time all the valuable value providing devices 30 are used. By analyzing this game history data or analyzing it using data mining techniques, etc., the player's behavior trend, the popularity trend of gaming machines, usage trends by time of day, etc. will be clarified. Useful information that can be used as data for machine development.

  In this embodiment, the electronic payment server 10 is used as a server for managing game history data. However, the server for managing game history data is a server device separate from the electronic payment server. Of course, it may be incorporated into the payment system 1.

[1.2. Mobile communication terminal]
Next, the mobile communication terminal 20 will be described with reference to FIG. The mobile communication terminal 20 can communicate with the electronic payment server 10, the authentication server 92, the time stamp server 94, and / or the usage charge storage network 40 via the communication network 50, and also has a valuable value using a short-range communication means. The terminal device can also communicate with the providing device 30. The mobile communication terminal 20 is, for example, a mobile phone having a non-contact IC card (for example, Felica; “Felica” is a registered trademark of Sony Corporation) function, a mobile phone equipped with a short-range communication unit and a wireless communication unit , PDA (Personal Data Assistant), portable game machine, IP phone equipped with wireless LAN, and the like. The mobile communication terminal 20 includes a terminal-side short-range communication unit 201 for communicating with the providing device-side short-range communication unit 303, a payment request generation unit 202, a wireless communication unit 203, an input unit 204, and an output unit. 205, a user information storage unit 207, a user information storage unit 207, a transfer request generation unit 208, and an electronic contract application unit 206.

  The terminal-side short-range communication unit 201 has a function of communicating with the providing device-side short-range communication unit 303, and is, for example, an IC card chip and an antenna.

The payment request generation unit 202 generates a payment request message for requesting the electronic settlement server 10 to pay and settle the consideration (price) of the valuable value received by the user so that the valuable value providing device 30 provides the valuable value. For example, i-αppli (“i-αppli” is a registered trademark of NTT DoCoMo, Inc., and is an application to which a value-added function can be added by downloading to a mobile phone. The OS is not particularly limited. It is a microcomputer equipped with i-appli ).

  The wireless communication unit 203 has a function of connecting the mobile communication terminal 20 to the mobile communication network 70 and executing communication via the mobile communication network 70. For example, the wireless communication unit 203 is a wireless communication circuit having a modulation circuit and a demodulation circuit. is there. The mobile communication network may be a general mobile phone communication network or a WIMAX or wireless LAN communication network.

  The input unit 204 has a function of passing the user's support in an electrical signal to the payment request generation unit 202, the transfer request generation unit 208, and the like, and is, for example, a key of a mobile phone, a touch pen and a touch panel, or a pointing device.

  The output unit 205 has an information output function for the mobile communication terminal 20 to transmit information to the user, and is, for example, a liquid crystal panel of a mobile phone, a liquid crystal panel of a CAT terminal, or a small printer.

  The user information storage unit 207 has a function of storing information required for user payment or settlement. FIG. 4 shows an example of information stored in the user information storage unit 207. In this example, the user information storage unit 207 includes a user ID 101 that is information for uniquely identifying a user registered as a user of the mobile communication terminal 20 and the electronic payment server 10 for authenticating the user. The password 102, the bank number 103, the branch number 104, and the account number 105, which are information for specifying the user account 41 from which the user withdraws the payment, are stored, and the personal identification number 106 set in the account. These information, in particular, the bank number 103, the branch number 104, the account number 105, and the personal identification number 106 are received when the user installs an application that causes the mobile communication terminal 20 to function as the payment request generation unit 202, or receives this electronic payment service. For example, it may be input by the user at the time of user registration. For example, an application activated in the mobile communication terminal 20 requests the user to input these information from the input unit 204, and the input information 101 to 106 is stored in the user information storage unit 207. These pieces of information 101 to 106 are used when generating a transfer request message for a deposit transfer request from the user account 41 to the settlement operator account 42, and transmitted to the electronic settlement server 10 as a part of the transfer request message. Will be.

  The user ID 101 may be an identification number automatically assigned by the electronic settlement server 10, or identification information that the mobile communication terminal 20 has, for example, FelicaID (“FeliCa” is a registered trademark of Sony Corporation), individual identification number (Including FOMA card identification information (“FOMA” is a registered trademark of NTT DoCoMo, Inc.)).

  Prior to the use of the electronic payment system 1, the electronic contract application unit 206 designates a payment operator from a user account between the user and an operator, administrator, etc. (referred to as a payment operator) of the electronic payment system 1. It has a function to electronically conclude a contract whose content is to debit the amount.

  FIG. 5 is a functional block diagram illustrating a configuration example of the electronic contract application unit 206. As illustrated, the electronic contract application unit 206 includes a control unit 701, an encryption processing unit 702, a storage unit 703, a decryption processing unit 704, a determination unit 705, and a time stamp acquisition unit 706.

  The control unit 701 has a function to control the operation of each unit of the encryption unit 702, the storage unit 703, the decryption unit 704, the determination unit 705, and the time stamp acquisition unit 706, and activates each unit. Command input, output from each part.

The encryption processing unit 702 has a function of generating an electronic signature using the encryption key 715 by a predetermined encryption method.
The storage unit 703 has a function of storing a user-side electronic certificate 711, a settlement operator-side electronic certificate 712, an electronic contract 713, an original electronic contract 714, an encryption key 715, and the like.

The user-side electronic certificate 711 is electronic data that proves that one of the signers of the electronic contract 713 is the user, and is defined in, for example, X.509 of the ITU-T recommendation. Electronic data including (affiliation organization, identification name, name, etc.), public key, expiration date, serial number, signature, and the like. In this example, the user-side electronic certificate 711 is electronic data issued by the authentication server 92.
In the present embodiment, the following can be used as the user side electronic certificate 711.

a) Password issued at the time of a mobile terminal contract of a financial institution having a user account b) Serial number (user) simultaneously written in the mobile communication terminal when the user downloads an application such as i-appli from the electronic payment server 10 ID) etc. c) Serial number of mobile communication terminal 20 d) Serial number of SIM (Subscriber Identity Module Card) e) Telephone number of mobile communication terminal 20
f) Standard common ID represented by OpenID, etc.
g) A method of satisfying a plurality of conditions, such as information generated by logical calculation or encryption of information from a to e and information described such as date or amount of money .
The “OPenID” is one of the standards for the common ID, and is an ID in a URL format that can be used in common on the OpenID compatible site (see http://openid.net/).

  The settlement operator side electronic certificate 712 is electronic data that proves that the other signer of the electronic contract 713 is a settlement operator, and is defined in, for example, X.509 of the ITU-T recommendation. Electronic data including personal information (affiliation organization, identification name, name, etc.), public key, expiration date, serial number, signature, and the like. In this example, the settlement operator side electronic certificate 712 is electronic data issued by the authentication server 92.

  The electronic contract 713 indicates that the settlement operator withdraws the designated amount from the user account between the user and the settlement operator who is the operator of the electronic settlement system, and the settlement operator removes the account from the user account. A contract that includes a request that the bank in which the user's account exists accepts that the specified amount be debited or that the settlement operator asks the bank to deduct the specified amount from the user's account. The electronic data described.

  The original digitized contract document 714 is electronic data obtained by attaching the electronic signature of the user and the settlement operator and the time stamp to the digitized contract document 713, and corresponds to a signed contract document of the parties.

  The encryption key 715 is an encryption key used by the user to generate an electronic signature or decrypt an encryption sent from the electronic settlement server 10, for example, a secret key in a public key system, or a common key system Is a common encryption key.

  The user-side electronic certificate 711 and the encryption key 715 may be acquired and stored in advance from the authentication server 92 that is a certificate authority (CA), or may be pre-manufactured at the time of shipment of the mobile communication terminal 20. May have been installed.

In the present embodiment, the electronic contract 713 and the settlement operator side electronic certificate 712 obtain an application such as an i-appli to be described later from the electronic settlement server 10 when the application is downloaded. Of course, you may employ | adopt the method acquired by the other method.

  The decryption processing unit 704 has a function of decrypting the electronic signature of the settlement operator received from the electronic settlement server 10.

  The determination unit 705 has a function of verifying the electronic certificate and electronic signature of the settlement operator transmitted from the electronic settlement server 10 together with the electronic contract.

When the determination unit 705 determines that the electronic contract is electronically signed by the payment operator based on the electronic certificate and electronic signature of the payment operator returned from the electronic payment server, the time stamp acquisition unit 706 A function of requesting the time stamp server 94 for the time stamp of the electronic contract with the signature, acquiring the time stamp, and transmitting the electronic contract 713 with the electronic signature together with the acquired time stamp to the electronic settlement server 10 Have In addition, the electronic contract with the time stamp and the electronic signature is stored in the storage unit 703 as the original electronic signature contract 714.
Above, description of the electronic contract application part 206 and the mobile communication terminal 20 is complete | finished.

[1.3. Electronic payment server]
Returning to FIG. 1, the description of the components of the electronic payment system 1 will be continued.
The electronic payment system 1 has an electronic payment server 10 as a core component. The electronic settlement server 10 includes an arithmetic processing unit (CPU), a main memory (RAM), a read only memory (ROM), an input / output device (I / O), and an external storage device such as a hard disk device if necessary. An information processing apparatus such as a computer or a workstation. A program for causing the information processing apparatus to function as the electronic payment server 10 or a program for causing the computer to execute the electronic payment method is stored in the ROM or the hard disk device, and the program is loaded on the main memory. When the CPU executes this, the electronic payment server 10 is realized or an electronic payment method is executed. In addition, the program does not necessarily have to be stored in a storage device in the information processing apparatus, and is provided from an external device (for example, an ASP (application service provider server, etc.)) and is loaded on the main memory. It may be. Further, the electronic settlement server 10 may be configured as a single device, or may be configured by combining a plurality of devices via a network. The electronic payment server 10 may have a center configuration in which all functions are concentrated in one place, or may have a distributed server configuration in which functions are divided and distributed processing is possible.

Hereinafter, the electronic settlement server 10 will be described with reference to FIG. FIG. 6 is a functional block diagram illustrating a configuration example of the electronic payment server 10.
6 includes a network communication processing unit 401, a payment request processing unit 402, a database unit 403, a transfer request processing unit 404, a settlement processing unit 405, a provision instruction unit 406, and a result notification. Unit 407, game information update unit 408, and electronic contract processing unit 409. Each of these units is a component that includes a storage device that stores a program and a CPU that executes the program.

  The network communication processing unit 401 has a function of performing communication with the mobile communication terminal 20, the valuable value providing device 30, and the usage price storage network 40 via the communication network 50, for example, communication for executing a protocol stack It is a board. When the network communication processing unit 401 receives the request message from the mobile communication terminal 20, it passes it to the payment request processing unit 402 or the transfer request processing unit 404. When the network communication processing unit 401 receives a provision instruction message addressed to the valuable value providing apparatus 30 from the provision instruction unit 406, the network communication processing unit 401 transmits the message to the valuable value providing apparatus 30. When the network communication processing unit 401 receives a transfer request message addressed to the usage fee storage network 40 from the settlement processing unit 405, the network communication processing unit 401 transmits the message to the usage fee storage network 40.

  The payment request processing unit 402 has a function of processing a payment request message received from the mobile communication terminal 20. The payment request processing unit 402 receives a payment request message from the mobile communication terminal 20 via the network communication processing unit 401. Then, the payment request processing unit 402 checks the possessed amount data of the corresponding user stored in the database unit 403 described later. The payment request processing unit 402 activates the provision instructing unit 406 if payment is possible by comparing the user-owned amount data with the payment request message. The activated provision instruction unit 406 generates a provision instruction message and transmits the provision instruction message to the valuable value providing apparatus 30 via the network communication processing unit 401.

  In addition, when payment according to the above-described payment request message is possible, the payment request processing unit 402 uses the user possessed amount data 700 and the valuable value providing apparatus 30 of the corresponding user stored in the database unit 403 to make the value. The held amount data 900 of the amusement hall company which is a company providing value is updated (rewritten) according to the payment amount.

  The database unit 403 stores the possessed amount data 700 of each user registered in the electronic payment system 1 and the retained amount data 900 of the amusement company, and information necessary for transfer with the usage fee storage network 40. A user table 600, user holding amount data 700, game hall company table 800, game hall company holding amount data 900, valuable value providing device table 1000, and game history information 1100 are stored.

FIG. 7 is a configuration example of the user table 600 stored in the database unit 403. The user table 600 is data that stores information about users (players). The user table 600 is data having one record 601 for each user, and each record 601 is a user ID 602, a password 603, an e-mail address 604, and a bank for identifying a withdrawal account as a user account. A number 605, a branch number 606, an account type 607, an account number 608, an account name 609, and a password 610 are stored. The user ID 602 is information that uniquely identifies a user. The password 603 is information that prevents a third party from impersonating the user and illegally using the electronic payment system 1. The e-mail address 604 is information used as a destination address to which the e-mail is sent when the result notification unit 407 notifies the user of the result of the payment process. The bank number 605, the branch number 606, the account type 607, the account number 608, the account name 609, and the personal identification number 610 are information for designating the withdrawal account for the use price storage network 40.
Information stored in the user table 600 is input to the electronic payment server 10 when the user registers as a user in the electronic payment server 10.

  FIG. 8 is a configuration example of the user holding amount data 700 stored in the database unit 403. The user holding amount data 700 is data having one record 1001 for each user. Each record 1001 is a user ID field 1002 for storing a user ID and an amount deposited by the user in the electronic payment system 1. A holding amount field 1003 for storing a certain holding amount. The value stored in the holding amount field 1003 increases by the amount of deposit when the user deposits in the electronic settlement system 1, and decreases by the amount of payment when paying using the valuable value providing device 30. To be rewritten.

FIG. 9 is a configuration example of the game hall company table 800 stored in the database unit 403. The game hall company table 800 is data storing information related to the game hall company. The game hall company table 800 is data having one record 801 for each game hall company subscribed to the electronic payment system 1. Each record 801 specifies a game hall company ID 802 for storing a game hall company ID and an account of the game hall company, and a transfer destination account into which the amount paid to the valuable value providing device 30 is transferred. Bank number 803, branch number 804, account type 805, account number 806, and account name 807 are stored. The game hall company ID 802 is information for uniquely identifying the game hall company. The bank number 805, branch number 806, account type 807, account number 808, and account name 809 are information for designating a transfer destination account to the use price storage network 40.
Information stored in the game hall company table 800 is input to the electronic payment server 10 when the game hall company subscribes to the electronic payment system 1.

  FIG. 10 is a configuration example of the game hall company possession amount data 900 stored in the database unit 403. The game hall company possession amount data 900 is data having one record 901 for each game hall company registered in the electronic settlement system 1. Each record 901 has a game hall company ID 902 and a holding amount 903 for storing a holding amount that is an amount transferred by the electronic settlement system 1 to the game hall company. The value stored in the holding amount 903 increases by the amount paid by the user by using the valuable value providing device 30, and decreases by the amount transferred to the game arcade account 43 using the usage price storage network 40. Will be rewritten as:

  FIG. 11 is a configuration example of the valuable value providing apparatus table 1000 stored in the database unit 403. The valuable value providing device table 1000 is data having one record 1301 for each valuable value providing device 30, and each record 1301 stores a device ID 1302, a device IP address 1303, and a game hall company ID 1304.

  The device ID 1302 is information for uniquely identifying the valuable value providing device 30, and the device IP address 1303 is included in the payment request message when the electronic settlement server 10 receives a payment request message including a certain device ID 1302. In response, the information is used as a transmission destination address for transmitting the provision instruction message to the valuable value providing apparatus 30 having the device ID 1302. The game hall company ID 1304 is information for identifying a game hall company that has the right to receive payment of the user to the valuable value providing apparatus 30 to which the device ID 1302 is assigned, and is used in the game hall company table 800. The same ID as the provider ID 802 is used.

  The game history information 1100 is information indicating a history relating to a game, such as when and where on which gaming machine the player has played, and is generated and transmitted by the history information processing unit 305 of each valuable value providing device 30. It is information generated by accumulating and storing game history data. By analyzing the game history information 1100 by a well-known marketing analysis or data mining technique, various useful information can be obtained.

Returning to FIG. 6, the description of the configuration example of the electronic settlement server 10 is continued.
The provision instruction unit 406 generates a provision instruction message to be transmitted to the valuable value providing apparatus 30 and transmits the provision instruction message to the valuable value providing apparatus 30 via the network communication processing unit 401. Note that the address of the valuable value providing apparatus 30 to which the provision instruction message is sent is acquired by referring to the above-described valuable value providing apparatus table 1000.

  The result notification unit 407 has a function of notifying the user whether or not the payment request message has been appropriately processed. As an example, the result notification unit 407 generates an e-mail addressed to the mobile communication terminal 20 and transmits it. Alternatively, the result notification unit 407 may write information indicating the processing result on a web page that can be browsed by the mobile communication terminal 20 and wait for browsing from the mobile communication terminal 20. The notification content from the result notification unit 407 is, for example, a message such as “Payment request has been processed. Thank you for your use.” Or “Balance is insufficient. Payment could not be made.”

Next, the transfer request processing unit 404 will be described. The transfer request processing unit 404 has a function of processing a transfer request message received from the mobile communication terminal 20. The transfer request processing unit 404 receives a transfer request message from the mobile communication terminal 20 via the network communication processing unit 401. The content of the transfer request message is that the specified amount is deducted from the user account 41 so that it can be used in the electronic payment system 1. The transfer request processing unit 404 that has received this transfer request message checks the user table 600 stored in the database unit 403. The transfer request processing unit 404 obtains a bank number 605, a branch number 606, an account type 607, an account number 608, an account name 609, and a personal identification number 610, which are information for identifying a user account as a transfer source account from the user table 600. Acquired, and together with these pieces of information, information specifying the settlement operator account 43 serving as a transfer destination account is transmitted to the usage fee storage network 40 via the network communication processing unit 401 as a transfer request message. Use charge storage network 40, when receiving the transfer request message, recalls the funds for the specified amount from the user account 41 to the settlement company account 42. The transferred funds are funds that can be used by the user using the electronic payment system 1 (excluding fees).

Next, the settlement processing unit 405 will be described. The settlement processing unit 405 requests the usage fee storage network 40 to transfer the amount indicated by the game hall company possession amount data 900 from the settlement company account 42 to the game hall company account 43 of each game hall company. The amount of funds to be transferred corresponds to the payment amount to the game hall company that the electronic settlement system 1 has deposited from the user, that is, the holding amount 903 of the game hall company holding amount data 900. The settlement processing unit 405 performs processing autonomously in this embodiment. For example, the payment processing unit 405 is automatically activated at a predetermined timing (for example, at the end of every month or every weekend ). The activated checkout processing unit 405 checks all the game hall company-owned amount data 900 stored in the database unit 403, and those that have not been transferred correspond to the use price storage network 40 from the settlement company account 42. A transfer request is transmitted so as to transfer to the game company account 43 to be transferred.

  The game information update unit 408 has a function of accumulating and storing game history data received from the history information processing unit 305 of the valuable value providing device 30 and updating the game history information 1100.

  The electronic contract processing unit 409 cooperates with the mobile communication terminal 20, more specifically, the electronic contract application unit 206, prior to the start of use of the electronic payment system 1, the user, the operator of the electronic payment system 1, management And a function of performing a process of electronically making a contract with the content such that the settlement operator withdraws the designated amount from the user account.

  Further, the electronic contract processing unit 409 has a function of transmitting data of an original electronic contract document certifying a contract between a user and a settlement operator to a financial institution having the user account.

  Specifically, the electronic contract processing unit 409 has a function of downloading the electronic contract 713 to the mobile communication terminal 20 and an electronic contract 711 with an electronic signature transmitted from the mobile communication terminal 20. The function of receiving the user-side electronic certificate 711, the received electronic signature, and the user-side electronic certificate 711 are verified, and if these are verified as correct, the electronic contract 713 with the user's electronic signature is added to the electronic contract 713 A function of transmitting the electronic signature of the settlement operator and the settlement provider side electronic certificate 712 to the mobile communication terminal 20 and a function of receiving and storing the original electronic contract document 714 transmitted from the mobile communication terminal 20 The electronic contract original document 714 is stored in a device designated by a financial institution (for example, a usage fee storage network 40 or a network terminal device designated by a financial institution (eg, If has a function of transmitting addressed to PC).

  FIG. 12 is a functional block diagram illustrating a configuration example of the electronic contract processing unit 409. As illustrated, the electronic contract processing unit 409 includes a control unit 801, an encryption processing unit 802, a storage unit 803, a decryption processing unit 804, and a determination unit 805.

  The control unit 801 has a function of controlling the operations of the encryption unit 802, the storage unit 803, the decryption unit 804, and the determination unit 805, and activates each unit, inputs to each unit, and outputs from each unit. Etc.

The encryption processing unit 802 has a function of generating an electronic signature of a settlement operator using the encryption key 811 by a predetermined encryption method.
The storage unit 803 has a function of storing a user side electronic certificate 711, a settlement operator side electronic certificate 712, an electronic contract 713, an original electronic contract 714, an encryption key 811, and the like.

  The user-side electronic certificate 711, the settlement operator-side electronic certificate 712, the electronic contract 713, and the original electronic contract 714 are the same as those stored in the storage unit 703 of the electronic contract application unit 20. Since there are, explanation of these will be omitted.

  The encryption key 811 is an encryption key used for an electronic settlement operator to generate an electronic signature or to decrypt a cipher sent from the mobile communication terminal 20, for example, a secret key in a public key system, Or it is a common encryption key in a common key system.

The settlement operator side electronic certificate 712 and the encryption key 811 may be obtained and stored in advance from the authentication server 92 which is a certificate authority (CA).
The decryption processing unit 804 has a function of decrypting the user's electronic signature transmitted from the mobile communication terminal 20.
The determination unit 805 has a function of verifying the user's electronic certificate and electronic signature transmitted from the mobile communication terminal 20 together with the electronic contract.

When the control unit 801 receives the electronic contract storage original 714 that is an electronic contract with a time stamp and an electronic signature, the control unit 801 stores the electronic contract storage original 714 in the storage unit 803 and addresses the bank where the user account exists. The electronic contract document storage original 714 is transmitted.
[ 1.3.1. Distributed server configuration of electronic payment server]

  In the example shown in FIG. 6, the electronic payment server 10 is illustrated as being realized by a single server device, but the electronic payment server 10 is of course not limited to such a server device.

  FIG. 13 is a functional block diagram showing a configuration example when the electronic settlement server 10 has a distributed server configuration. The same components as those shown in FIG. 6 are denoted by the same reference numerals, and detailed description thereof is omitted.

  By making the electronic payment server 10 a distributed server configuration, it is possible to reduce the possibility that information regarding users and amusement hall operators will be leaked or stolen, and to improve the reliability of the safety of the electronic payment system 1. It becomes possible.

  The electronic settlement server 10 in the case of a distributed server configuration includes an application server 501 and a plurality of database servers 502. The application server 501 includes a network communication processing unit 401, a payment request processing unit 402, a transfer request processing unit 404, a settlement processing unit 405, a provision instruction unit 406, a result notification unit 407, and a game information update unit 408. And an electronic contract processing unit 409.

  In the example shown in FIG. 13, four database servers 502A, 502B, 502C, and 502D are connected to the application server 501 via the local network 503 so as to communicate with each other. The four database servers 502 are components corresponding to the database unit 403 shown in FIG. In this configuration example, the first database server 502A stores a user table 600 and user possession amount data 700, and the second database server 502B stores a game hall company table 800 and game hall company possession amount data 900. The third database server 502C stores the valuable value providing apparatus table 1000, and the fourth database server 502D stores the game history information 1100. The application server 501 requests necessary information from the database servers 502A to 502D as needed for processing, and the database servers 502A to 502D extract necessary information from the contents stored in response to the request, and the application server Pass to 501.

  It is possible to arbitrarily determine how the database unit 403 is divided and how many database servers 502 are used, and how the storage contents (tables and data) of the respective database servers are allocated. Thus, the present invention is not limited to the configuration shown in FIG.

[1.4. Communication network]
Returning to FIG. 1, the description of the components of the electronic settlement system 1 according to the present embodiment is resumed.
The communication network 50 can send and receive information between devices connected to the target device regardless of whether it is a wired / wireless, a dedicated line, or a switched line. Acts like The communication network 50 may be realized by combining a plurality of networks via a gateway, such as the Internet. In addition, even if the connection is not directly connected to the so-called backbone, which is called a backbone, even if it is temporarily connected by a PPP connection or the like, information can be transmitted and received during the establishment of a session. I do not mind. The “communication network” includes a communication network that does not use route switching means such as an exchange, a switch, and a router, in which a dedicated line is fixed.

[1.5. Mobile communication network, gateway, base station]
The configuration example of the electronic payment system 1 shown in FIG. 1 assumes a case where a mobile phone is used as the mobile communication terminal 20. For this reason, the mobile phone that is the mobile communication terminal 20 is first connected to the base station 60 via a wireless line, and the communication to which the electronic settlement server 10 is connected from the base station 60 via the mobile communication network 70 and the gateway 80. It is illustrated as being connected to the network 50. However, if the mobile communication terminal 20 can be directly connected to the communication network 50, the mobile communication terminal 20 may be connected to the electronic settlement server 10 without going through the mobile communication network 70 or the gateway 80. For example, when the mobile communication terminal 20 has a wireless LAN connection function, it is not necessary to perform communication via the mobile communication network 70 and the gateway 80. For example, the present invention is established even if the mobile communication terminal 20 is connected to the communication network 50 by accessing a hot spot (wireless LAN terminal) connected to the communication network 50.

[1.6. Usage price storage network]
The usage fee storage network 40 has a function of transferring the designated amount from the user account 41 to the settlement operator account 42 and from the settlement operator account 42 to the game establishment account 43 in response to a transfer request from the electronic settlement server 10. It is the system which has. In the example shown in FIG. 1, the electronic payment server 10 and the usage charge storage network 40 are illustrated as being connected by the communication network 50, but the electronic payment is made via a dedicated line (not shown) that does not go through the communication network 50. Even if the server 10 and the usage charge storage network 40 are connected, the present embodiment is established.

  Further, the usage charge storage network 40 may have a function of receiving and storing the original electronic contract document 714 transmitted from the electronic settlement server 10 to a financial institution having a user account. The financial institution can confirm that both the user and the settlement operator agree that the settlement operator withdraws the designated amount from the user's account based on the original electronic contract document 714. After receiving the original electronic contract 714, when the settlement operator receives a request message containing the amount to be deducted from the user's account, the usage fee storage network 40 receives a special message from the user. Even if no instruction is received, it is a legal basis for transferring the designated amount from the user's account in response to the request message.

[1.7. Authentication server]
The authentication server 92 includes an arithmetic processing unit (CPU), a main memory (RAM), a read only memory (ROM), an input / output device (I / O), and an external storage device such as a hard disk device if necessary. An information processing apparatus such as a computer or a workstation.

  The authentication server 92 issues a user side electronic certificate 711 and / or a settlement operator side electronic certificate 712, and is a list of validity of the electronic certificate 711 and / or the settlement side electronic certificate 712. It may further have a function of managing CRL (Certificate Revocation Lists) and responding to inquiries.

[1.8. Timestamp server]
The time stamp server 94 includes an arithmetic processing unit (CPU), a main memory (RAM), a read only memory (ROM), an input / output device (I / O), and an external storage device such as a hard disk device if necessary. An information processing apparatus such as a computer or a workstation.

  The time stamp server 94 has a function of generating a time stamp token in response to a time stamp issuance request from the mobile communication terminal 90 and transmitting the time stamp token to the mobile communication terminal. The time stamp server 94 is described in RFC3161. It is a device that operates as a time stamping authority (TSA).

[2. Example of electronic payment system operation]
Next, the operation of the electronic settlement system 1 will be described with reference to FIGS. 14, 15, 16, 17, and 21. FIG. 14, 15, and 16 are sequence diagrams showing an operation example at the time of user registration of the electronic payment system 1, and FIGS. 17 and 21 show that the user after the user registration acquires valuable value by the electronic payment system 1. It is an example of an operation when performing.

First, operations up to user registration of the electronic settlement system 1 will be described with reference to FIGS.
First, a user who has not completed user registration connects to the electronic payment server 10 through the mobile communication terminal 20 and receives software (an application such as an i-appli ) for the mobile communication terminal 20 to receive a service from the electronic payment system 1. A request is made to the electronic settlement server 10 (FIG. 14; S101). The electronic settlement server 10 causes the mobile communication terminal 20 to download the application data and the electronic contract 713 in response to the request (S102). The mobile communication terminal 20 that has received the application and the electronic contract 713 stores the i- appli data and the like in a storage device such as a memory and the electronic contract 713 in the storage unit 703 (S103). This i- appli functions as the above-described payment request generation unit 202, transfer request generation unit 208, electronic contract application unit 206, and the like by being executed by the CPU or the like of the mobile communication terminal 20.

Incidentally, in the above embodiment, server for applications downloaded, such as i-appli, but also as a server of the electronic contract document 713 for downloading has been described as using the electronic settlement server 10, for application download, such as i-appli Of course, the server and / or the server for downloading the electronic contract 713 may be a device or system separate from the electronic payment server 10.

  The downloaded application is activated when the user performs a predetermined operation on the mobile communication terminal 20 (S104). When the electronic contract application unit 206, which is an application, is activated for the first time after downloading, the electronic contract 713 is displayed on the output unit 205 (S104), and the user is prompted to confirm the contents described in the electronic contract 713. .

  Next, the mobile communication terminal 20, more specifically, the electronic contract application unit 206 receives an input for determining whether to make an electronic contract with the user (S105). For example, a message such as “Do you want to make a contract with this content? YES / NO” is displayed on the liquid crystal display which is the output unit 205 to prompt the user to input. When the user selects to enter a contract according to the contents of the electronic contract 713, the electronic contract application unit 206, more specifically, the encryption processing unit 702, generates an electronic signature using the encryption key 715 (S106). . In this embodiment, the electronic signature is obtained by encrypting the hash value of the electronic contract 713 with the user's address name and the like encrypted with the encryption key 715 using the RSA encryption method. For example, data obtained by encrypting information that can uniquely identify a user and cannot be easily known by a third party may be used. However, in this case, the electronic certificate 711 is not used.

  Next, the mobile communication terminal 20, more specifically, the electronic contract application unit 206, the electronic contract 713 (however, the input of the user's address name is added), the electronic signature generated in S106, and the user The side electronic certificate 711 is transmitted to the electronic settlement server 10 (S107).

  The electronic settlement server 10, more specifically the electronic contract processing unit 409, which has received the electronic contract 713 or the like in S 107, sends the user side electronic certificate 711 to the authentication server 92 that is the issuing organization of the user side electronic certificate 711. The effectiveness is inquired (S108). The authentication server 92 refers to a CRL (Certified Revocation List), determines the validity of the user-side electronic certificate 711, and transmits the determination result to the electronic settlement server 10 (S109).

Hereinafter, the description will be continued with reference to FIG.
If the determination result is that the user-side electronic certificate 711 is valid, the electronic settlement server 10, more specifically, the electronic contract processing unit 409, executes verification processing of the user-side electronic certificate 711 (S110). That is, the electronic settlement server 10 confirms whether the electronic signature of the user-side electronic certificate 711 has been made by the certificate authority (CA) by decrypting the electronic signature with the public key of the certificate authority, and the user-side electronic certificate Check if 711 has been tampered with. If all of the verifications from S109 to S111 are successful, the user-side electronic certificate 711 can be trusted, that is, the encryption key described in the user-side electronic certificate 711 (for example, the public key in the public encryption key method) belongs to the user. It turned out to be credible.

  If the verification of the user-side electronic certificate 711 is successful, the electronic settlement server 10, more specifically, the electronic contract processing unit 409, verifies the electronic signature attached to the electronic contract 713 (S111). That is, the electronic settlement server 10 decrypts the electronic signature attached to the electronic contract 713 using the encryption key described in the user side electronic certificate 711, verifies the electronic signature, and verifies the electronic contract 713. Validate validity (not tampered with).

  When the verification of the electronic signature in S111 is successful, the electronic settlement server 10, more specifically, the electronic contract processing unit 409, determines that the electronic contract 711 is properly signed by the user. The electronic settlement server 10, more specifically, the electronic contract processing unit 409, further attaches the electronic signature of the settlement operator to the electronic contract 713 (with the user's electronic signature) received from the mobile communication terminal 20. Then, the settlement operator side electronic certificate 712 is attached, and the electronic contract 713, the settlement company's electronic signature, and the settlement time provider side electronic certificate 712 are transmitted to the mobile communication terminal 20 (S112).

  The mobile communication terminal 20 that has received the electronic contract 713 and the like transmitted in step S112, more specifically, the electronic contract application unit 206, makes a payment to the authentication server 92, which is the issuing organization of the payment provider side electronic certificate 712. The validity of the provider side electronic certificate 712 is inquired (S113). The authentication server 92 refers to a CRL (Certified Revocation List), determines the validity of the settlement operator side electronic certificate 712, and transmits the determination result to the electronic settlement server 10 (S114).

  When the determination result indicates that the settlement operator electronic certificate 712 is valid, the mobile communication terminal 20, more specifically, the electronic contract application unit 206, executes verification processing of the settlement operator side electronic certificate 712 (S115). ). That is, the mobile communication terminal 20, more specifically, the electronic contract application unit 206, determines whether the electronic signature of the settlement operator side electronic certificate 712 is made by the certificate authority (CA) by using the public key of the certificate authority. And confirming whether the electronic certificate 712 on the settlement operator side has been tampered with. If all the verifications from S113 to S115 are successful, the settlement operator side electronic certificate 712 can be trusted, that is, the encryption key described in the settlement operator side electronic certificate 712 (for example, the public key in the public encryption key method) is It turns out that it can be trusted that it belongs to the settlement operator.

  If the verification of the settlement operator side electronic certificate 712 is successful, the mobile communication terminal 20, more specifically, the electronic contract application unit 206, verifies the electronic signature of the settlement operator attached to the electronic contract 713. Execute (S116). That is, the mobile communication terminal 20 decrypts the electronic signature of the settlement operator attached to the electronic contract 713 using the encryption key described in the settlement operator side electronic certificate 712, and The verification of the electronic signature and the validity of the electronic contract 713 (that it has not been tampered with) are verified.

  When the verification of the electronic signature of the settlement operator in S116 is successful, the mobile communication terminal 20, more specifically, the electronic contract application unit 206, determines that the electronic contract 713 has been legitimately signed by the settlement operator.

  Next, the mobile communication terminal 20, more specifically, the electronic contract application unit 206 transmits the electronic contract 713 (or its hash value) with the electronic signatures of the user and the settlement operator to the time stamp server 94. The time stamp server 94 is requested to issue a time stamp (S117). Upon receiving this time stamp request, the time stamp server 94 adds a date and time to the hash value of the electronic contract 713 with the electronic signatures of the user and the settlement operator, and generates a time stamp token as a digital signature. This is transmitted to the mobile communication terminal 20 (S118).

  When the mobile communication terminal 20, more specifically, the electronic contract application unit 206 acquires this time stamp token (S 119), this time stamp is added to the electronic contract 713 with the electronic signatures of the user and the settlement operator. A token is assigned and stored in the storage unit 703 as the electronic contract storage original 714 and transmitted to the electronic settlement server 10 (S120).

  The electronic settlement server 10 that has received the electronic contract document storage original 714, more specifically, the electronic contract processing unit 409, stores it in the storage unit 803 (S121).

  Thereby, the withdrawal agent contract is concluded between the user and the settlement operator. On the condition that this electronic contract document storage original 714 is stored in the electronic settlement server 10, the electronic settlement server 10 accepts user registration. In other words, if the electronic contract document storage original 714 is not stored in the electronic payment server 10, user registration is not performed, and thus the user cannot start using the electronic payment system 1. In other words, it is an essential condition for user registration that the electronic contract document storage original 714 is stored in the electronic settlement server 10.

  Next, the operation of the electronic settlement system 1 after step S121 will be described with reference to FIG. In FIG. 16 and subsequent sequence diagrams, the authentication server 92 and the time stamp server 94 are not shown.

Using the completion of step S121 as a trigger, the electronic settlement server 10 transmits a user registration start message to the mobile communication terminal 20 (S122).
The mobile communication terminal 20 that has received the user registration start message activates the application (S123). When the application is started for the first time after downloading, an initial input screen for allowing the user to input initial information is displayed on the output unit 205 to prompt the user to input initial information (S124). Here, what is requested as initial information is a user ID 602, a password 603, an e-mail address 604, a bank number 605, a branch number 606, an account type 607, an account number 608, an account name 609, a personal identification number 610, and the like. The user ID 602 and the password 603 may be set in advance by the electronic settlement server 10 and may not be input by the user.

  When the user completes the input of initial information using the input unit 204 of the mobile communication terminal 20, the mobile communication terminal 20 connects to the electronic payment server 10 via the communication network 50, and the input initial information and the like. Is transmitted to the electronic settlement server 10 (S125).

  The electronic settlement server 10 that has received the initial information uses an account confirmation request message that is a message for inquiring the usage price storage network 40 whether the initial information is correct information or whether the input user account is valid. The data is transmitted to the storage network 40 (S126). The usage fee storage network 40 that has received the account confirmation request message searches the database of the account, etc., determines the presence / absence and validity of the user account to be confirmed in the account confirmation request message, and confirms the result of the determination. The result message is transmitted to the electronic settlement server 10 (S127). When the account confirmation result message indicates that the entered account information is incorrect or the account is not valid, the electronic settlement server 10 that has received the account confirmation result message again prompts for input of initial information. It transmits to the mobile communication terminal 20 (illustration omitted in FIG. 16). On the other hand, when the account confirmation result message indicates that the input account information is correct and the input account is valid, the electronic settlement server 10 that has received the account confirmation result message adds the initial information to the input initial information. Based on this, user registration is performed (S128). That is, the electronic settlement server 10 adds new records 601 and 1001 to the user table 600 and the user holding amount data 700 of the database unit 403, respectively, and the user ID 602, password 603, mail address 604, A bank number 605, a branch number 606, an account type 607, an account number 608, an account name 609, a personal identification number 610, a user ID 1002, a holding amount 1003, and the like are written.

  When the above user registration (S128) is completed, the electronic settlement server 10 transmits the digitized contract original 714 to the usage fee storage network 40 (129). The usage fee storage network 40 that has received the original electronic contract document 714 stores it (S130). In this example, the recipient of the electronic contract original 714 is the usage fee storage network 40, but the recipient of the electronic contract original 714 is received by the financial institution having the user account by the electronic contract original 714. Any device can be used as long as the establishment of the contract can be confirmed based on the above.

  In this example, the timing for transmitting the original electronic contract document 714 to the usage fee storage network 40 has been described as after user registration (S128). However, after the original electronic contract document 714 is generated (after S119) ), The present invention can be established no matter what timing the original electronic contract document 714 is transmitted to the usage fee storage network 40.

  Now, after the user registration (S128) is completed, the user can use the electronic settlement system 1. Hereinafter, an operation example of the electronic settlement system 1 after user registration will be described with reference to FIG.

  Just by completing the above user registration, the user cannot use the electronic settlement system 1 to make a purchase (receive valuable value) from the valuable value providing device 30. The user needs to request the mobile communication terminal 20 to transfer an appropriate amount of deposit from the user account 41 to the settlement operator account 42 to the electronic settlement system 1, more specifically, the electronic settlement server 10. The amount consumed by the user due to the provision of the valuable value by the valuable value providing device 30 is deducted from this deposit. The amount deducted is the amount paid to the valuable value providing device 30, and the processing of the use price storage network 40 is added to the account of the game company that is the recipient of the payment, ie, the game company account 43. Will be transferred later. Hereinafter, an operation example of the electronic payment system 1 when the user requests the electronic payment server 10 to transfer from the user account 41, which is his / her own account, to the payment operator account 42 will be described with reference to FIG. FIG. 17 is a sequence diagram illustrating an operation example of the electronic settlement system 1 when a transfer is requested from the user account 41 to the settlement operator account 42.

  First, the user activates an application, more specifically, the transfer request generation unit 208 in the mobile communication terminal 20 (S201). The activated application, more specifically, the transfer request generation unit 208 displays an input interface screen or the like on the output unit 205 of the mobile communication terminal 20, and information necessary for the transfer request message to the user, for example, transfer amount, account PIN Prompt for input.

  Upon receiving these inputs (S202), the mobile communication terminal 20, more specifically, the transfer request generation unit 208 generates a transfer request message, and sends the transfer request message to the electronic settlement server 10 via the communication network 50 or the like. Transmit (S203). This transfer request message stores a user ID 101, a password 102, an account password 106, an input transfer amount, and the like.

  The electronic settlement server 10 that has received this transfer request message, more specifically, the transfer request processing unit 404, searches the user table 600 using the user ID 101 included in the transfer request message as a key, and from the record 601 that matches the user ID 101. The bank number 605, the branch number 606, the account type 607, the account number 608, and the account name 609, which are information for specifying the user account 41, are acquired. Furthermore, information for identifying a settlement operator account stored separately (not shown), that is, a bank number, a branch number, an account type, and an account number of the settlement operator account is read, and a transfer request is generated from these information, It transmits to the use price storage network 40 (S204). Regarding the transmission of the transfer request, the data configuration, communication procedure, and the like may be in accordance with the method adopted by the usage fee storage network.

  The usage fee storage network 40 that has received the transfer request transfers the specified amount (hereinafter referred to as “user transfer amount”) from the user account 41 to the settlement operator account 42 in accordance with the contents of the transfer request. (S205). When the transfer process (S205) is normally performed, the usage charge storage network 40 transmits a transfer result notification to the electronic payment server 10 in order to notify the electronic payment server 10 that the transfer process has been executed normally. (S206). If the transfer process cannot be performed properly due to a shortage of the balance of the user account 41 or the like, the use price storage network 40 sends a transfer result notification indicating that the transfer cannot be made to the electronic settlement server. 10 to send.

  The electronic settlement server 10 that has received the transfer result notification indicating that the transfer process has been performed normally executes a stored amount data process that is a process of reflecting this user transfer amount in the corresponding record 1001 of the user stored amount data 700. (S207). By this holding amount data processing, the user can use the amount corresponding to the user transfer amount using the electronic settlement system 1.

FIG. 18 to FIG. 19 are diagrams for explaining an operation example in the case of processing the user transfer amount performed between the electronic settlement server 10 and the usage charge storage network 40.
FIG. 18 shows an example of a state before the user sends a transfer request message to the electronic settlement server 10 (FIG. 17, S203). In this example, the usage fee storage network 40 includes a user account 41, a settlement company account 42, and a game hall company account 43.

  As an example, let us assume that the balance of the user account 41 is ¥ 100,000, and the balances of the settlement company account 42 and the game hall company account 43 are both ¥ 0. Actually, a plurality of users and a plurality of game hall operators will have accounts in the usage fee storage network 40. However, in FIG. 18 to FIG. One amusement hall company account 43 is displayed.

  As described above, the electronic settlement server 10 stores the user holding amount data 700 and the game hall company holding amount data 900. The user holding amount data 700 has a record 1001 for each user, and the game hall company holding amount data. The data 900 also has a record 901 for each game hall company. The record 1001 in the figure is data corresponding to the user of the user account 41, and the record 901 is data corresponding to the game hall company of the game hall company account 43. It is assumed that the possessed amount stored in both records 1001, 901 is ¥ 0 at this time.

  Here, suppose that the user wants to use the electronic payment system 1 for 10,000 yen from the user account 41. FIG. 19 shows a state after the user has transmitted a transfer request message from the mobile communication terminal 20 to the electronic settlement server 10 so as to transfer the user transfer amount of ¥ 10,000 after the state of FIG. In response to the transfer request message, the electronic settlement server 10 transmits the following transfer request to the usage fee storage network 40. In other words, a transfer request is sent to the usage fee storage network 40 to transfer the user transfer amount ¥ 10,000 and the fee (for example, ¥ 100) to be paid to the settlement operator from the user account 41 to the settlement operator account 42.

  The usage fee storage network 40 that has received the transfer request performs a process of transferring ¥ 10,100 from the user account 41 to the settlement operator account 42. As a result, as shown in FIG. 19, the balance of the user account 41 is ¥ 100,000- ¥ 10,100 = ¥ 89,900, and the balance of the settlement operator account 42 is ¥ 0 + ¥ 10,100 = ¥ 10,100. The usage fee storage network 40 changes the balance of each account 41, 42 in this way in response to the transfer request.

  FIG. 20 shows a state after the electronic payment server 10 performs the retained amount data processing (FIG. 17, S207) after the state of FIG. As shown in FIG. 19 described above, when the transfer process is performed by the usage price storage network 40, the usage price storage network 40 indicates that the transfer result is that the transfer of ¥ 10,100 to the electronic settlement server 10 has been normally performed. A notification is transmitted (FIG. 17, S206). In response to the transfer result notification, the electronic settlement server 10, more specifically, the transfer request processing unit 404, transferred the value to the user holding amount 1003 stored in the record 1001 corresponding to the user account 41 to which the transfer was performed. Add the amount. However, ¥ 100 corresponding to the fee is not added. As a result of the retained amount data processing (S207) by this addition, ¥ 0 + ¥ 10,000 = ¥ 10,000 is recorded in the record 1001. This ¥ 10,000 is the amount that the user can use in the electronic payment system 1.

  Next, an operation example of the electronic settlement system 1 when the user is about to receive the valuable value from the valuable value providing device 30 will be described with reference to FIG. FIG. 21 illustrates a case where the user performs communication by the short-range communication means 201 and 303 between the mobile communication terminal 20 and the valuable value providing apparatus 30 in order to receive the valuable value from the valuable value providing apparatus 30. It is a sequence diagram which shows the example of an operation | movement of the electronic payment system 1.

First, it is assumed that the user tries to receive the valuable value provided by the valuable value providing device 30 using the electronic payment system 1.
In this case, the user causes the mobile communication terminal 20 and the valuable value providing apparatus 30 to perform communication by short-range communication so that the mobile communication terminal 20 acquires the device ID of the valuable value providing apparatus 30 and the like. For example, when the terminal-side short-range communication unit 201 is a non-contact IC card IC chip and the providing device-side short-range communication unit 303 is a reader / writer, the proximity of the non-contact type IC card chip is determined as a reader / writer. Is detected, the reader / writer which is the providing device side short-range communication unit 303 stores the device ID, the application number such as an i-appli, and the user payment amount stored by itself. The data is transmitted to the contact IC card chip (S301). Here, the device ID is identification information that can uniquely identify the valuable value providing device 30, and the application number is identification information that uniquely identifies an application such as an i-appli that operates on the mobile communication terminal 20. is there. The user payment amount is information for specifying the amount of consideration of the valuable value provided to the user by the valuable value providing device 30. When there is an application for purchase of valuable value by the mobile communication terminal 20, the valuable value providing apparatus 30 treats it as a purchase application of valuable value for a predetermined payment amount. For example, when the valuable value providing device 30 is a ball lending machine, the user brings the mobile communication terminal 30 close to the ball lending machine that is the valuable value providing device 30 and reads the chip for the non-contact type IC card. Then, it is processed as a purchase application for a rental ball for a payment amount (for example, ¥ 1,000) determined for the valuable value providing device 30. Note that the user payment amount may be different for each valuable value providing device 30. For example, for the ball lending machine A installed in the same amusement hall, the payment amount is set at ¥ 1,000, and for another ball rental machine B, the payment amount is set at ¥ 5,000. You may do it. Further, the user payment amount may be determined by the user's selection. For example, if the negotiable value providing device 30 is a prepaid card ticketing system, the prepaid card issuing apparatus includes a plurality of different amounts of the prepaid card (for example, ¥ 1,000, ¥ 3,000, ¥ 5,000 , ¥ 10,000), and has a plurality of amount determination buttons for designating these amounts. The user, by pressing the amount of money decision button of the desired amount of money, to buy a prepaid card of the amount of hope. In this case, the electronic payment system 1 may handle the amount selected by the user with the amount determination button as the user payment amount.

  The user payment amount does not necessarily have to be transmitted from the valuable value providing device 30 to the mobile communication terminal 20 in step S301. The payment amount may be determined using a table prepared in advance by the electronic settlement server 10 based on the device ID.

Upon receiving the device ID, application number, and user payment amount, the terminal-side short-range communication unit 201 activates an application such as an i-appli corresponding to the application number, that is, the payment request generation unit 202 (S302). At this time, the device ID and the user payment amount are passed from the terminal-side short-range communication unit 201 to the payment request generation unit 202.

  The activated payment request generation unit 202 generates a payment request message including the device ID and user payment amount received from the valuable value providing device 30, and the user ID 101 and password 102 stored in the user information storage unit 207, This is transmitted to the electronic settlement server 10 (S303).

  The electronic settlement server 10 that has received the payment request message, more specifically, the payment request processing unit 402, first searches the user holding amount data 700 using the user ID 101 as a search key, and acquires the holding amount 1003 of the record 1001 corresponding to the user ID 101. To do. The payment request processing unit 402 compares the user payment amount with the retained amount 1003 and determines whether the user payment amount can be deducted from the retained amount 1003 (S304).

  If it is determined in step S304 that the withdrawal cannot be made, the payment request processing unit 402 activates the result notification unit 407. The result notification unit 407 generates a processing result notification based on the determination, and transmits it to the valuable value providing device 30 and / or the mobile communication terminal 20. The mobile communication terminal 20 that has received the processing result notification displays the contents of the processing result notification on the output unit 205. For example, “Payment request has been processed. Thank you for using.” Or “Balance is insufficient. Payment could not be made.” Is displayed.

  On the other hand, if it is determined in step S304 that it can be withdrawn, the payment request processing unit 402 activates the provision instruction unit 406. The provided providing instruction unit 406 transmits a providing instruction message to the valuable value providing apparatus 30 (S305). The valuable value providing device 30 provides the user with a valuable value according to the user payment amount (S306). The transmission destination address of the provision instruction message is determined based on the device ID address 1003 of the corresponding record 1001 by searching the valuable value providing device table 1000 using the device ID as a key.

If it is determined in step S304 that the payment can be withdrawn, the payment request processing unit 402, the user possession amount data 700, more specifically, the possession amount 1003 of the record 1001 having the corresponding user ID, and the playground company possession money data 900, more specifically the retention amount 903 of the record 901 with a game hall company ID applicable, rewritten as changing rolls the user payment amount (S307).

  If the electronic settlement server 10, more specifically, the payment request processing unit 402, determines that it can be withdrawn in step S304, it activates the result notification unit 407. The activated result notifying unit 407 transmits to the mobile communication terminal 20 an execution completion message that is a message for notifying that the designated payment amount has been paid (S308). The execution completion message is a message indicating that the payment procedure corresponding to the payment amount designated by the user has been completed. Note that the transmission destination address of the execution completion message is determined by searching the user table 600 using the user ID as a key and the mail address 604 of the corresponding record 601.

  The mobile communication terminal 20 that has received the execution completion message displays the result as the content of the execution completion message by the output unit 205 (S309). For example, the result is displayed by displaying on the output unit 205 of the mobile communication terminal 20 such as “I paid $ 1,000 from the amount held by Mr. XX”. In addition, when the result is displayed, the value of the retained amount 1003 after the payment amount is deducted, that is, the balance in the electronic settlement server 10 may be displayed. However, the held amount 1003 is not stored in the mobile communication terminal 20, and it is the role of the electronic settlement server 10 to store the held amount 1003.

  FIG. 22 is a diagram illustrating the storage state of the electronic payment server 10 and the usage charge storage network 40 after the processing from step S301 to step S307 is performed after the state of FIG. In the state of FIG. 20 before the transfer of the user payment amount, the holding amount 1003 of the corresponding record 1001 of the user holding amount data 700 is ¥ 10,000, and the corresponding record 901 of the amusement hall company holding amount data 900 The holding amount 903 of this was ¥ 0.

  FIG. 22 shows a state after the transfer process (S307) is performed when the user payment amount is ¥ 1,000. In this transfer process (S307), the payment request processing unit 402 of the electronic settlement server 10 subtracts ¥ 1,000, which is the user payment amount, from the value ¥ 10,000 of the holding amount 1003, which is the amount held by the user. In addition to rewriting the value of 1003 to ¥ 9,000, adding ¥ 1,000 of the user-paid amount to the value ¥ 0 of the retained amount 903 that is the amount held by the amusement hall operator, and the value of the retained amount 1003 is ¥ Rewrite to 1,000.

  By rewriting the amount of money 1003, 903 by such transfer processing (S307), payment for the value provided by the valuable value providing device 30, that is, payment from the user to the amusement company is performed in the electronic settlement server 10. Will be executed.

  The processes from step S301 to step S309 are performed each time each user purchases a valuable value using the valuable value providing apparatus 30, and the amount paid by each user is the amount held by the corresponding game hall company. Is added and recorded. That is, each time each user purchases a valuable value using the valuable value providing device 30, the value of the amount 903 owned by the amusement company that owns or operates the valuable value providing device 30 increases. Become.

  The above-mentioned amount 903 owned by the game hall company must be transferred to the game hall company account 43 on the usage fee storage network 40. Hereinafter, transfer to the game hall company account 43 in the electronic payment system 1 will be described with reference to FIG. FIG. 23 is a sequence diagram illustrating an example of a transfer process to the game hall company account 43 in the electronic payment system 1.

  The electronic settlement server 10, more specifically, the settlement processing unit 405, is automatically activated at a predetermined timing, and executes a transfer request generation process (S401). This transfer request is a message for requesting the usage fee storage network 40 to transfer an amount corresponding to the amount 903 owned by the game hall company from the settlement company account 42 to the game hall company account 43. The details of this message may be determined so as to match the specifications determined by the usage charge storage network 40.

  In the transfer request generation process (S401), one transfer request is generated for each record 901 in the game hall company owned amount table 900. The transfer request stores information for specifying the game hall company account 43 which is a transfer destination account, that is, a bank number 805, a branch number 806, an account type 807, an account number 808, and an account name 809. The transfer request stores the bank number, branch number, account type, account number, and account name of the settlement operator account 42 as information for specifying the settlement operator account 42 that is the source account. Furthermore, the transfer request stores the value of the amount based on the held amount 809 as the transfer amount. The amount based on the holding amount 809 is not necessarily the same value as the holding amount, and is, for example, the remaining amount obtained by subtracting the fee for the settlement operator from the holding amount.

  The predetermined timing at which the settlement processing unit 405 is automatically activated may be any timing as long as the CPU can determine the timing. For example, the timing according to the time condition (30th of every month or the fourth Monday, so-called five times) Ten days (every day), or timing based on monetary conditions such as when the amount of money held reaches a predetermined value. Further, the settlement processing unit 405 does not necessarily need to be automatically activated, and the present invention can be realized even if a manager or an operator of the electronic settlement server 10 manually operates the settlement processing unit 405.

  When generating the transfer request for each record 903, the settlement processing unit 405 transmits the generated transfer request to the usage fee storage network 40 (S402). The usage fee storage network 40 that has received these transfer requests executes a transfer process from the settlement company account 42 to the game hall company account 43 according to the contents of each transfer request (S403). Through the processing from step S401 to step S403, the total amount of money paid by each user as the usage consideration for the valuable value providing device 30 is transferred to the respective game hall company accounts 43.

  When the transfer process (S403) is normally performed, the usage charge storage network 40 transmits a transfer result notification to the electronic payment server 10 in order to notify the electronic payment server 10 that the transfer process has been normally executed. (S404). If the transfer process cannot be performed properly due to a shortage of the balance of the settlement operator account 42, the use price storage network 40 sends a transfer result notification indicating that the transfer cannot be made electronically. Send to server 10.

  The electronic settlement server 10 that has received the transfer result notification indicating that the transfer process has been performed normally performs holding amount data processing that is a process for reflecting this transfer amount in the corresponding record 901 of the game hall company holding amount data 900. Execute (S405). By this holding amount data processing, the value of the holding amount 903 of the game hall company is returned to “0”.

  FIG. 24 is a diagram illustrating a storage state of the electronic settlement server 10 and the usage charge storage network 40 as a result of executing steps S401 to S405 after the state illustrated in FIG. In the state shown in FIG. 22, the amount 903 of the record 901 is ¥ 1,000. The settlement processing unit 405 transfers ¥ 990, which is an amount obtained by subtracting a fee for the settlement operator (for example, ¥ 10) from the value of the held amount 903, from the settlement operator account 42 to the amusement hall operator account 43. The transfer request is generated as described above, and the transfer request is transmitted to the usage fee storage network 40 (S402).

This transfer utilization charge storage network 40, which has received the request, carry out the transfer process from the settlement company account 42 recalls the ¥ 990 to the game hall company account 43 (S403). As a result, ¥ 9,110 obtained by subtracting ¥ 990 from ¥ 10,100 is stored as a balance in the settlement business account 42, while ¥ 990 is added to ¥ 0 in the game hall business account 43. ¥ 990 is stored as a balance. Of the balance ¥ 9,110 in the settlement operator account 42, ¥ 9,000 is the amount deposited from the user, and the remaining ¥ 110 is the profit of the settlement operator. As a result, the electronic payment business operator can obtain a profit from the operation of the electronic payment system 1.

[II. Second Embodiment]
Next, a second embodiment of the present invention will be described.
The electronic payment system 1 according to the first embodiment handles payments for a plurality of different game hall operators, whereas the electronic payment system 1 according to the second embodiment is a single amusement hall operator. The difference in handling payments against. Accordingly, one electronic payment system 1 according to the second embodiment is provided for each game hall company. However, even if there are a plurality of game halls operated by the same game hall company, they can be handled by the same electronic payment system 1.

  Also, the electronic settlement server 10 according to the second embodiment is different from the first embodiment in that the settlement processing unit 405 is not necessary.

[1. Configuration Example of Electronic Payment System in Second Embodiment]
Since the configuration of the electronic settlement system according to the second embodiment is basically the same as that of the first embodiment, detailed description thereof will be omitted. Since the electronic payment server 10 according to the second embodiment handles only a single game hall company, the database unit 403 of the electronic payment server 10 includes the game hall company table 800, the amount owned by the game hall company. The table 900 may not be provided.

[2. Example of Operation of Electronic Payment System in Second Embodiment]
Next, an operation example of the electronic settlement system according to the second embodiment will be described.

  Also in the electronic payment system 1 according to the second embodiment, the user must first download an application such as an i-appli and register the user in the electronic payment system 1, more specifically, the electronic payment server 10. Since this processing is the same as the operation example of the first embodiment shown in FIGS. 14 to 16, detailed description of these processing in the second embodiment is omitted.

  Similarly to the first embodiment, in the second embodiment, just by completing the above user registration, the user uses the electronic payment system 1 to purchase from the valuable value providing device 30 (reception of valuable value). ) Can not be done. The user needs to request the mobile communication terminal 20 to transfer an appropriate amount of deposit from the user account 41 to the settlement operator account 42 to the electronic settlement system 1, more specifically, the electronic settlement server 10. The amount that the user consumes with the valuable value providing device 30 is deducted from this deposit. The amount deducted is the amount paid to the valuable value providing device 30, and the processing of the use price storage network 40 is added to the account of the game company that is the recipient of the payment, ie, the game company account 43. It is transferred by. Hereinafter, an operation example of the electronic payment system 1 in the second embodiment when the user requests the electronic payment server 10 to transfer from the user account 41, which is his / her own account, to the payment operator account 42 is shown in FIG. This will be explained with reference. FIG. 25 is a sequence diagram showing an operation example of the electronic settlement system 1 when a transfer is requested from the user account 41 to the settlement operator account 42.

  First, the user activates an application, more specifically, the transfer request generation unit 208 in the mobile communication terminal 20 (S501). The activated application, more specifically, the transfer request generation unit 208 displays an input interface screen or the like on the output unit 205 of the mobile communication terminal 20, and information necessary for the transfer request message to the user, for example, transfer amount, account PIN Prompt for input.

  Upon receiving these inputs (S502), the mobile communication terminal 20, more specifically, the transfer request generation unit 208 generates a transfer request message, and sends the transfer request message to the electronic settlement server 10 via the communication network 50 or the like. Transmit (S503). This transfer request message stores a user ID 101, a password 102, an input transfer amount, an account password, and the like.

  The electronic settlement server 10 that has received this transfer request message, more specifically, the transfer request processing unit 404, searches the user table 600 using the user ID 101 included in the transfer request message as a key, and from the record 601 that matches the user ID 101. The bank number 605, the branch number 606, the account type 607, the account number 608, and the account name 609, which are information for specifying the user account 41, are acquired. Further, information (not shown) specifying a settlement operator account stored separately, that is, a bank number, a branch number, an account type, and an account number of the settlement operator account 42 is read out, and a transfer request is generated from these information. Then, it transmits to the use price storage network 40 (S204). In addition, regarding the transmission of the transfer request, the data configuration, communication procedure, and the like may follow the method adopted by the usage fee storage network 40.

The usage fee storage network 40 that has received the transfer request transfers the specified amount (hereinafter referred to as “user transfer amount”) from the user account 41 to the settlement operator account 42 in accordance with the contents of the transfer request. Is performed (S505). When the transfer process (S505) is normally performed, the usage charge storage network 40 transmits a transfer result notification to the electronic payment server 10 to notify the electronic payment server 10 that the transfer process has been normally executed. (S506). If the transfer process cannot be performed properly due to a shortage of the balance of the user account 41 or the like, the use price storage network 40 sends a transfer result notification indicating that the transfer cannot be made to the electronic settlement server. 10 to send.
Note that the processing from S501 to S506 is the same as S201 to S206 in the first embodiment.

  Now, after S506, the electronic payment server 10, more specifically, the transfer request processing unit 404, further requests the transfer operator account 42 to transfer the amount corresponding to the user transfer amount from the payment operator account 42 to the game hall operator account 43. Is generated and transmitted to the use price storage network 40 (S506).

  The electronic payment server 10, more specifically, the transfer request processing unit 404, stores information for specifying the payment operator account 42 stored in advance, that is, the bank number, branch number, account type, account number of the payment operator account 42, and The bank number, branch number, account type, account number, and account name, which are information for specifying the amusement company account 43, are read out, and a transfer request is generated from these information and the amount based on the user payment amount, and the usage fee is stored The data is transmitted to the network 40 (S507). In this embodiment, the “amount based on the user payment amount” is an amount obtained by subtracting the fee to be paid to the settlement operator from the user payment amount (hereinafter referred to as “game hall company transfer amount”). . Regarding the transmission of the transfer request, the data configuration, communication procedure, and the like may be in accordance with the method adopted by the usage fee storage network.

  The usage fee storage network 40 that has received the transfer request performs transfer processing so as to transfer the game hall company transfer amount from the settlement company account 42 to the game hall company account 43 in accordance with the contents of the transfer request (S508). When the transfer process (S508) is normally performed, the usage fee storage network 40 transmits a transfer result notification to the electronic settlement server 10 in order to notify the electronic settlement server 10 that the transfer process has been executed normally. (S509).

  The electronic settlement server 10 that has received the transfer result notification indicating that the transfer process has been performed normally executes a stored amount data process that is a process of reflecting this user transfer amount in the corresponding record 1001 of the user stored amount data 700. (S510). By this holding amount data processing, the user can use the amount corresponding to the user transfer amount using the electronic settlement system 1.

  26 to 29 show the storage of the electronic payment server 10 and the usage fee storage network 40 when processing the user transfer amount performed between the electronic payment server 10 and the usage fee storage network 40 in the second embodiment. It is a figure explaining a state.

  FIG. 26 shows an example of a state before the user sends a transfer request message to the electronic settlement server 10 (FIG. 25, S503). In this example, the usage fee storage network 40 includes a user account 41, a settlement company account 42, and a game hall company account 43.

  Now, let us say that the balance of the user account 41 is ¥ 100,000, and the balances of the settlement company account 42 and the game hall company account 43 are both ¥ 0. Actually, a plurality of users and a plurality of game hall operators will have accounts in the usage fee storage network 40. In FIG. 26 to FIG. 29, user accounts 41, and One amusement hall company account 43 is displayed.

  The electronic settlement server 10 stores the user holding amount data 700 as described above. However, in the second embodiment, it is not necessary to store the game hall company holding amount data 900.

  The user holding amount data 700 has a record 1001 for each user. A record 1001 in the figure is data corresponding to the user of the user account 41. It is assumed that the amount held in the record 1001 is ¥ 0 at this time.

  FIG. 27 shows a state after the user has sent a transfer request message from the mobile communication terminal 20 to the electronic settlement server 10 so as to transfer the user transfer amount of ¥ 10,000 after the state of FIG. In response to the transfer request message, the electronic settlement server 10 transmits the following transfer request to the usage fee storage network 40 (see S504). That is, a transfer request with the content of transferring the user transfer amount ¥ 10,000 and the settlement operator fee (for example, ¥ 100) from the user account 41 to the settlement operator account 42 is sent to the usage fee storage network 40. .

  The usage fee storage network 40 that has received this transfer request performs a process of transferring ¥ 10,100 from the user account 41 to the settlement operator account 42 (see S505). As a result, as shown in FIG. 27, the balance of the user account 41 is ¥ 100,000- ¥ 10,100 = ¥ 89,900, and the balance of the settlement operator account 42 is ¥ 0 + ¥ 10,100 = ¥ 10,100. The usage fee storage network 40 changes the balance of each account 41, 42 in this way in response to the transfer request.

  In FIG. 28, after the state of FIG. 27, a transfer request is transmitted from the electronic settlement server 10 to the usage fee storage network 40 so as to transfer the transfer amount to the game hall company account 43 (S <b> 507). The state after performing the transfer process (S508) according to this transfer request is shown.

The electronic settlement server 10 transmits a transfer request, such as the following to the effect that recalls the transfer amount to the game hall company account 43 to use charge storage network 40 (see S507). In other words, the amusement hall company transfer amount, which is an amount (¥ 10,000- ¥ 100 = ¥ 9,900) obtained by subtracting the fee (for example, ¥ 100) of the payment company from the user transfer amount ¥ 10,000. A transfer request with the content of transfer from the settlement operator account 42 to the amusement hall operator account 43 is sent to the usage fee storage network 40.

  The usage fee storage network 40 that has received this transfer request performs a process of transferring ¥ 9,900 from the settlement operator account 41 to the game hall operator account 43 (see S508). As a result, as shown in FIG. 23, the balance of the settlement operator account 42 is ¥ 10,100- ¥ 9,900 = ¥ 200, and the balance of the game hall operator account 43 is ¥ 0 + ¥ 9,900 = ¥ 9,900. The balance of the user account 41 remains ¥ 89,900. The usage fee storage network 40 changes the balance of each account 41, 42 as described above in response to the transfer request.

  FIG. 29 is a diagram illustrating a storage state of the electronic payment server 10 and the usage charge storage network 40 after the electronic payment server 10 executes the retained amount data processing (S510) after the state of FIG. As shown in FIG. 25, when the transfer process (S508) is performed by the use price storage network 40, the use price storage network 40 indicates that the transfer amount of the game company transfer amount has been normally transferred to the electronic settlement server 10. The transfer result notification is transmitted (S509).

  In response to the transfer result notification, the electronic settlement server 10, more specifically, the transfer request processing unit 404 adds the user transfer amount to the user holding amount stored in the record 1001 corresponding to the user account 41 to which the transfer has been performed. The held amount data processing is executed (S510). However, ¥ 100 corresponding to the fee is not added. As a result of the retained amount data processing (S510) by this addition, ¥ 0 + ¥ 10,000 = ¥ 10,000 is recorded in the record 1001. This ¥ 10,000 is the amount that the user can use in the electronic payment system 1.

  Next, in the electronic payment system 1 according to the second embodiment, an operation example of the electronic payment system 1 when the user tries to receive provision of valuable value from the valuable value providing device 30 will be described with reference to FIG. While explaining. FIG. 30 illustrates an electronic device in the case where the user performs communication by the short-range communication means between the mobile communication terminal 20 and the valuable value providing device 30 in order to receive the valuable value from the valuable value providing device 30. FIG. 3 is a sequence diagram illustrating an operation example of the payment system 1.

  First, it is assumed that the user intends to receive provision of valuable value by the valuable value providing device 30 using the electronic settlement system 1.

In this case, the user causes the mobile communication terminal 20 and the valuable value providing apparatus 30 to perform communication by short-range communication so that the mobile communication terminal 20 acquires the device ID of the valuable value providing apparatus 30 and the like. For example, when the terminal-side short-range communication unit 201 is a non-contact IC card IC chip and the providing device-side short-range communication unit 303 is a reader / writer, the proximity of the non-contact type IC card chip is determined as a reader / writer. Is detected, the reader / writer that is the providing device side short-range communication unit 303 stores the device ID, application number, and user payment amount that it has stored in the non-contact IC card chip that is the terminal-side short-range communication unit 201. Transmit (S601). Here, the device ID is identification information that can uniquely identify the valuable value providing device 30, and the application number is identification information that uniquely identifies an application such as an i-appli that operates on the mobile communication terminal 20. is there. The user payment amount is information for specifying the amount of consideration of the valuable value provided to the user by the valuable value providing device 30. When there is an application for purchase of valuable value by the mobile communication terminal 20, the valuable value providing apparatus 30 treats it as a purchase application of valuable value for a predetermined payment amount. For example, in the case where the valuable value providing device 30 is a ball lending machine, if the user brings the mobile communication terminal 30 close to the ball lending machine and reads the chip for the non-contact type IC card, the value is provided. It is processed as a purchase application for a rental ball for a payment amount (for example, ¥ 1,000) determined for the device 30. In addition, you may differ for every valuable value provision apparatus 30. FIG. For example, for the ball lending machine A installed in the same amusement hall, the payment amount is set at ¥ 1,000, and for another ball rental machine B, the payment amount is set at ¥ 2,000. You may do it. The payment amount may be determined by the user's selection. For example, if the negotiable value providing device 30 is a prepaid card ticketing system, the prepaid card issuing apparatus includes a plurality of different amounts of the prepaid card (for example, ¥ 1,000, ¥ 3,000, ¥ 5,000 , ¥ 10,000), and has a plurality of amount determination buttons for designating these amounts. The user, by pressing the amount of money decision button of the desired amount of money, to buy a prepaid card of the amount of hope. In this case, the electronic payment system 1 may handle the amount selected by the user with the amount determination button as the payment amount.

  The user payment amount does not necessarily have to be transmitted from the valuable value providing device 30 to the mobile communication terminal 20 in step S601. The payment amount may be determined using a table prepared in advance by the electronic settlement server 10 based on the device ID.

Upon receiving the device ID, application number, and payment amount, the terminal-side short-range communication unit 201 activates an application such as an i-appli corresponding to the application number, that is, the payment request generation unit 202 (S602). At this time, the device ID and the user payment amount are passed from the terminal-side short-range communication unit 201 to the payment request generation unit 202.

  The activated payment request generation unit 202 generates a payment request message including the device ID and user payment amount received from the valuable value providing device 30, and the user ID 101 and password 102 stored in the user information storage unit 207, This is transmitted to the electronic settlement server 10 (S603).

  The electronic settlement server 10 that has received the payment request message, more specifically, the payment request processing unit 402, first searches the user holding amount data 700 using the user ID 101 as a search key, and acquires the holding amount 1003 of the record 1001 corresponding to the user ID 101. To do. The payment request processing unit 402 compares the user payment amount with the retained amount 1003, and determines whether the payment amount can be deducted from the retained amount 1003 (S604).

  If it is determined in step S604 that the withdrawal cannot be made, the payment request processing unit 402 activates the result notification unit 407. The result notification unit 407 generates a processing result notification based on the determination, and transmits it to the valuable value providing device 30 and / or the mobile communication terminal 20. The mobile communication terminal 20 that has received the processing result notification displays the contents of the processing result notification on the output unit 205. For example, the message “Balance is insufficient. Payment could not be made” is displayed.

  On the other hand, if it is determined in step S604 that the withdrawal can be made, the payment request processing unit 402 activates the provision instruction unit 406. The provided provision instruction unit 406 transmits a provision instruction message to the valuable value providing apparatus 30 (S605). The provision instruction message includes the payment amount, and the valuable value providing device 30 provides the user with the valuable value corresponding to the payment amount (S606). The transmission destination address of the provision instruction message is determined based on the device ID address 1003 of the corresponding record 1001 by searching the valuable value providing device table 1000 using the device ID as a key.

  If it is determined in step S604 that the payment can be withdrawn, the payment request processing unit 402 subtracts the payment amount from the user holding amount data 700, more specifically, the holding amount 1003 of the record 1001 having the corresponding user ID. Subtraction processing for rewriting to is performed (S607).

  If the electronic settlement server 10, more specifically, the payment request processing unit 402, determines that it can be withdrawn in step S604, it activates the result notifying unit 407. The activated result notifying unit 407 transmits to the mobile communication terminal 20 an execution completion message that is a message for notifying that the designated payment amount has been paid (S608). The execution completion message indicates that the payment procedure corresponding to the payment amount designated by the user has been completed. Note that the transmission destination address of the execution completion message is determined by searching the user table 600 using the user ID as a key and the mail address 604 of the corresponding record 601.

  The mobile communication terminal 20 that has received the execution completion message displays the result as the content of the execution completion message by the output unit 205 (S609). For example, the result is displayed by displaying on the output unit 205 of the mobile communication terminal 20 such as “I paid $ 1,000 from the amount held by Mr. XX”. In addition, when the result is displayed, the value of the retained amount 1003 after the payment amount is deducted, that is, the balance in the electronic settlement server 10 may be displayed. However, the held amount 1003 is not stored in the mobile communication terminal 20, and it is the role of the electronic settlement server 10 to store the held amount 1003.

  FIG. 31 is a diagram showing a storage state of the electronic settlement server 10 and the usage charge storage network 40 after the processing from step S601 to step S607 is performed after the state of FIG. In the state shown in FIG. 24, which is the state before the payment amount is transferred, the holding amount 1003 of the corresponding record 1001 of the user holding amount data 700 is ¥ 10,000.

  FIG. 31 shows a state after the transfer process (S607) when the payment amount is ¥ 1,000. In this transfer process (S607), the payment request processing unit 402 of the electronic settlement server 10 subtracts ¥ 1,000 as the payment amount from the value ¥ 10,000 of the holding amount 1003 as the amount held by the user. Is rewritten to ¥ 9,000.

  By rewriting the holding amount 1003 by such transfer processing (S607), payment for the value provided by the valuable value providing device 30, that is, payment from the user to the amusement company is executed in the electronic settlement server 10. The Rukoto.

  The processes from step S601 to step S609 are performed each time a user purchases a valuable value using the valuable value providing device 30. However, unlike the first embodiment, the payment amount of each user is not added and recorded as the holding amount of the corresponding game hall company. Further, unlike the first embodiment, it is not necessary to transfer the amount 903 held by the game hall company to the game hall company account 43 on the usage fee storage network 40 in accordance with the transfer request from the electronic settlement server 10. In other words, in the second embodiment, there is no need to make a transfer to the game hall company account 43 in the electronic payment system 1 as shown in FIG.

[III. Modifications, etc.]
(1) By displaying a QR code or the like on a liquid crystal display or the like provided in the valuable value providing device 30, and providing a barcode reader using a CCD camera in the mobile communication terminal 20 to read the barcode. The providing device side near field communication unit 303 and the terminal side near field communication unit 201 may be used instead. In this case, the information indicated by the barcode may be the device ID as it is.
(2) In the first and second embodiments described above, the transfer from the user account 41 to the payment operator account is transferred from the mobile communication terminal 20 to the usage fee storage network 40 via the electronic payment server 10. Although the configuration is such that the request is transmitted, the present invention can also be configured as a configuration in which the transfer request is transmitted directly from the mobile communication terminal 20 to the usage fee storage network 40.

[IV. Advantages of this electronic payment system]
(1) Advantages for users Since this is a payment method other than cash that can be used in a game arcade, even after the cash on hand is exhausted in the amusement hall, a simple payment act (the mobile communication terminal 20 is provided with a valuable value providing device). It is possible to purchase a lending ball, a rental medal, a purchase of a product, etc., by a simple input operation of about 30).

  Therefore, if you have won a jackpot with no or less cash on hand during the game, but your hand or medals are likely to hit the bottom, you can purchase additional balls, etc. with a simple operation. The player can continue playing without worrying about the cash balance.

In addition, in this settlement act, the settlement terminal used to act, in addition to the sense of security the user is a mobile communication terminal owned by, because there is no need to input act of the card number and personal identification number, usually of credit card , as debit card, or left a record of the card number and personal identification number to the store side, or there is no risk of or are illegal acquisition to malicious person, it is possible to a settlement with confidence.

  In addition, it is possible to receive information distribution based on usage status information acquired by the electronic settlement server 10, and it can be expected to receive more various services.

(2) Benefits for the store side (administrator) Even users who have no cash on hand as a result of playing games can purchase more balls and medals with this electronic payment system. Moreover, since the possibility that such a user will shop in the store increases, it can be expected to improve the sales of the game hall. At the same time, it is possible to obtain information on how much gaming the user has played with which gaming machine. Based on this information, it is possible to know the details of the operating status of the gaming machine and know the user's preferences. It can be used as marketing information.

  When this electronic payment system is used, the cash handled in the store does not increase, so that the deposit management becomes easy and the security management of the cash improves.

(3) Benefits for Payment Operators By operating this electronic payment system, payment operators can grasp the game situation of the player who is the user, and develop, sell, and sell gaming machines. Data to be referenced can be stored.
(4) Even if the authentication server 92 that is the certificate authority (CA) is a server of another company that is generally used, or a server that is built in-house, the present invention is established.
[V. Third Embodiment]
Next, a third embodiment of the present invention will be described. The third embodiment has basically the same configuration and function as those of the first or second embodiment described above, and further, the user possession amount 1003 stored in the electronic settlement server 10 is added to the casino on hand. It is characterized in that it has a function of adding (paying) money, frequency, or cash stored in a chip, a prepaid card, an IC card, or the like. The above addition is performed using a terminal device that can communicate with the electronic settlement server. The terminal device is, for example, a mobile communication terminal of the user or a computer installed at an appropriate place such as a casino front.
In the third embodiment, by having the above function, the amount, frequency, etc. of casino chips and prepaid cards remaining when the user ends or interrupts the game are deposited in the electronic payment system. The user convenience is improved.
FIG. 32 shows a configuration example of an electronic settlement system according to the third embodiment. The electronic payment system 1B according to the third embodiment has an electronic system according to the first and second embodiments in that it further includes a computer 98 which is a terminal device for requesting addition (payment) to the electronic payment server 10B. This is different from the settlement system 1 (see FIG. 1). The configurations of the electronic payment server 10B and the mobile communication terminal 20B are different from those of the electronic payment server 10 and the mobile communication terminal 20 of the first and second embodiments. The mobile communication terminal 20B has the same function as the mobile communication terminal 20A, and also has a function as a terminal device for requesting the electronic payment server 10 for addition (payment).
The computer 98 is a device having a function of communicating with the electronic settlement server 10B, and includes an arithmetic processing unit (CPU), a main memory (RAM), a read only memory (ROM), an input / output device (I / O), and necessary. In some cases, the device includes an external storage device such as a hard disk device.
When the operator of the computer 98 receives a request for addition (payment) from the user (player), the operator confirms the amount of money to be added (payment) or the frequency. For example, in the case of an offer for addition (payment) using casino chips, work such as counting casino chips is performed. In the case of an offer for addition (payment) using a prepaid card, the remaining amount is read by a prepaid card reader provided separately. If the remaining amount of the prepaid card is managed by a management device such as a hall computer, the ID number of the card is read without reading the remaining amount.
Next, the operator inputs information indicating the user (for example, a user ID) and information indicating the amount to be added or the frequency to the computer 98. The computer 98 executes an addition (payment) process, and adds a value corresponding to the amount of money to be added to the value of the user holding amount 1003 of the user record 1001 corresponding to the information for identifying the user, or information indicating the frequency. A message requesting this is generated, and this message is transmitted to the electronic settlement server 10B via the communication network 50.
The electronic settlement server 10B that has received this message performs a process of adding a value corresponding to the amount of money to be added to the value of the user holding amount 1003 of the user record 1001 corresponding to the information for specifying the user, or information indicating the frequency. Do.
Next, the mobile communication terminal 20B in the third embodiment will be described. As described above, the mobile communication terminal 20B functions as the mobile communication terminal 20 in the first and second embodiments, and in the same way as the computer 98 described above, the value of the user holding amount 1003 in the user record 1001 is set. It has a function of generating a message requesting to add a value corresponding to information indicating the amount of money to be added or the frequency, and transmitting the message to the electronic settlement server 10B via the communication network 50. The information indicating the amount of money or frequency to be added does not necessarily have to be information directly indicating the amount of money or frequency, and may be information that can directly acquire information indicating the amount of money or frequency by searching using the information as a key. good. For example, the ID number of the prepaid card can also be “information indicating the amount to be added or the frequency”. In this case, when the electronic payment server 10B receives the ID number of the prepaid card or the like, the electronic payment server 10B sets the ID number of the prepaid card to the management device (for example, a casino hall computer) that manages the remaining amount of the prepaid card. The corresponding remaining amount may be inquired, and an addition (payment) process may be performed as an amount of money to add the remaining amount transmitted in response to the inquiry or as a frequency.
FIG. 33 shows a configuration example of the mobile communication terminal 20B in the third embodiment. The configuration of the valuable value providing device 30 is the same as that of the first and second embodiments. In addition, the same reference numerals are assigned to the same components as those of the mobile communication terminal 20 (see FIG. 3), and detailed description of these components is omitted.
The mobile communication terminal 20B includes a terminal-side short-range communication unit 201, a payment request generation unit 202, a wireless communication unit 203, an input unit 204, an output unit 205, a user information storage unit 207, and a transfer request generation unit 208. And an electronic contract application unit 206 and a deposit request generation unit 209.
The deposit request generation unit 209 includes the user-owned amount of the user record 1001 corresponding to the information identifying the user based on the information input from the input unit 204 and the information indicating the amount to be added or the frequency. A message requesting to add a value according to information indicating the amount of money to be added to the value of 1003 or the frequency is generated. The generated request message is transferred to the wireless communication unit 203, and the wireless communication unit 203 transmits a wireless signal modulated based on the request message.
Next, an electronic settlement server 10B according to the third embodiment will be described. FIG. 34 is a diagram illustrating a configuration example of the electronic settlement server 10B according to the third embodiment. The electronic settlement server 10B includes components included in the electronic settlement server 10 in the first and second embodiments, and further includes a deposit request processing unit 410B. Note that the same components as those of the electronic settlement server 10 in the first and second embodiments are denoted by the same reference numerals, and detailed description thereof is omitted.
The addition request processing unit 410B acquires a message requesting addition from the computer 98 or the mobile communication terminal 20B via the network communication processing unit 401. The addition request processing unit 410B that acquired this message searches the user holding amount data 700 and adds the amount to the value of the user holding amount 1003 of the user record 1001 corresponding to the information specifying the user included in this message, or A value corresponding to the information indicating the frequency or the like is added and stored.
Next, a specific example of addition processing in the electronic settlement system 1B according to the third embodiment based on the first embodiment will be described. FIGS. 35 to 36 are diagrams illustrating an example of addition processing in the electronic settlement system 1B according to the third embodiment based on the first embodiment.
FIG. 35 shows a state where “¥ 10,000” is stored in the electronic settlement server 10B as the user-owned amount 1003. Other conditions are the same as those described with reference to FIG.
From this state, it is assumed that the user has received a prepaid card for ¥ 2,000 from the valuable value providing device 30. FIG. 36 shows an example of storage contents of the electronic payment server 10B and the usage charge storage network 40 after the user has acquired a prepaid card for ¥ 2,000. The user holding amount 1003 is rewritten from “¥ 10,000” to “¥ 8,000” obtained by subtracting ¥ 2,000, and the game company holding amount 903 is changed from “¥ 0” to “¥ 2,000”. Is rewritten.
Next, in order for the user who acquired the prepaid card for ¥ 2,000 to consume only ¥ 1,000 to finish the game and return the remaining ¥ 1,000 to the electronic payment system 1B, the computer 98 or mobile communication Assume that the terminal 20B requests the electronic settlement server 10B to add ¥ 1,000.
The electronic settlement server 10B that has received the message requesting the addition of ¥ 1,000 transmitted from the computer 98 or the mobile communication terminal 20B, more specifically, the addition request processing unit 410B holds the user according to the content of the request message. Rewrite the amount 1003 and the amount 903 owned by the game hall company. FIG. 37 shows an example in which the user-owned amount 1003 and the game hall company-owned amount 903 are rewritten according to the contents of the request message. The user-owned amount 1003 has been rewritten to “¥ 9,000” obtained by adding ¥ 1,000 to “¥ 8,000”, and the game company-owned amount 903 has changed from “¥ 2,000” to “¥ 1” , 000 ".
By performing the processing in this way, the user can reuse the valuable value that could not be consumed later in the electronic settlement system 1B.
Next, a specific example of the addition process in the electronic settlement system 1B according to the third embodiment based on the second embodiment will be described. FIGS. 38 to 40 are diagrams illustrating an example of addition processing in the electronic settlement system 1B according to the third embodiment based on the second embodiment.
FIG. 38 shows a state where “¥ 10,000” is stored in the electronic settlement server 10B as the user holding amount 1003. Other conditions are the same as those described with reference to FIG.
From this state, it is assumed that the user has received a prepaid card for ¥ 1,000 from the valuable value providing apparatus 30A. FIG. 39 shows an example of storage contents of the electronic payment server 10B and the usage charge storage network 40 after the user has acquired a prepaid card for ¥ 1,000. The user holding amount 1003 is rewritten to “¥ 9,000” obtained by subtracting ¥ 1,000 from “¥ 10,000”.
Next, the user who has acquired the prepaid card for ¥ 1,000 consumes only ¥ 500, ends the game, and returns the remaining ¥ 500 to the electronic settlement system 1B, from the computer 98 or the mobile communication terminal 20B. It is assumed that the addition of 500 is requested to the electronic settlement server 10B.
The electronic settlement server 10B that has received the message requesting the addition of ¥ 500 transmitted from the computer 98 or the mobile communication terminal 20B, more specifically, the addition request processing unit 410B, determines the amount of money held by the user 1003 according to the content of the request message. Rewrite. FIG. 40 shows an example in which the user holding amount 1003 is rewritten according to the content of this request message. The user-owned amount 1003 is rewritten to “¥ 9,500” obtained by adding ¥ 500 to “¥ 9,000”.
By performing the processing in this way, the user can reuse the valuable value that could not be consumed later in the electronic settlement system 1B.
In the third embodiment, the same modification as that of the first to second embodiments can be performed.

1 is a network diagram showing an example of an electronic payment system according to the present invention. Block diagram showing the schematic configuration of the usage charge storage network Functional block diagram showing a configuration example of a valuable value providing apparatus and a mobile communication terminal The figure which shows an example of the information which a user information storage part memorize | stores Functional block diagram showing a configuration example of the electronic contract application department Functional block diagram showing a configuration example of an electronic payment server The figure which shows the structural example of the user table memorize | stored in a database part. The figure which shows the structural example of the user possession amount data memorize | stored in a database part The figure which shows the structural example of the game hall company table memorize | stored in a database part The figure which shows the example of a structure of the amount management data of game hall company memorize | stored in a database part The figure which shows the structural example of the valuable value provision apparatus table memorize | stored in a database part. Functional block diagram showing a configuration example of the electronic contract processing unit Functional block diagram showing a configuration example of an electronic payment server having a distributed server configuration Sequence diagram showing an operation example of the electronic payment system FIG. 14 is a sequence diagram showing an operation example of the electronic payment system following FIG. FIG. 15 is a sequence diagram illustrating an operation example of the electronic settlement system following FIG. FIG. 16 is a sequence diagram showing an operation example of the electronic settlement system following FIG. The figure explaining the operation example in the case of processing the user transfer amount performed between an electronic payment server and a use price storage network 18 is a diagram for explaining an operation example in the case of processing the user transfer amount performed between the electronic settlement server and the usage fee storage network following FIG. 19 is a diagram for explaining an operation example in the case of processing the user transfer amount performed between the electronic settlement server and the usage fee storage network following FIG. The sequence diagram which shows the operation example of an electronic payment system at the time of making communication by a short-distance communication means between a mobile communication terminal and a valuable value provision apparatus The figure which showed the state after the process from step S301 to step S307 was performed after the state of FIG. Sequence diagram showing an example of a transfer process to an amusement company account in an electronic payment system The figure which shows the result of having performed step S401 to S405 after the state shown in FIG. The sequence diagram which showed the operation example of the electronic payment system at the time of requesting transfer from a user account to a payment operator account in the second embodiment The figure which shows an example of the state before a user transmits a transfer request message to an electronic payment server The figure which shows the state after a user has transmitted the transfer request message from the mobile communication terminal to the electronic settlement server so as to transfer the user transfer amount of ¥ 10,000 after the state of FIG. After the state shown in FIG. 27, the user transmits a transfer request message from the mobile communication terminal to the electronic settlement server so that the game hall company transfer amount is transferred, and the usage fee storage network executes a transfer process according to the message. Figure showing the state after The figure which shows the state after an electronic settlement server performs holding amount data processing after the state of FIG. The sequence diagram which shows the operation example of the electronic payment system 1 at the time of making it communicate by a short-distance communication means between a mobile communication terminal and a valuable value provision apparatus. The figure which showed the state after the process from step S601 to step S607 was performed after the state of FIG. The block diagram which shows the structural example of the electronic payment system concerning 3rd Embodiment The block diagram which shows the structural example of the valuable value provision apparatus concerning 3rd Embodiment, and a mobile communication terminal. The block diagram which shows the structural example of the electronic payment server concerning 3rd Embodiment. The figure which shows the example of the addition process in the electronic payment system concerning 3rd Embodiment The figure which shows the example of the addition process in the electronic payment system concerning 3rd Embodiment after FIG. The figure which shows the example of the addition process in the electronic payment system concerning 3rd Embodiment after FIG. The figure which shows the example of the addition process in the electronic payment system concerning 3rd Embodiment different from FIG. The figure which shows the example of the addition process in the electronic payment system concerning 3rd Embodiment after FIG. The figure which shows the example of the addition process in the electronic payment system concerning 3rd Embodiment after FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1, 1B ... Electronic payment system 10, 10B ... Electronic payment server 20, 20B ... Mobile communication terminal 30 ... Valuable value providing device 40 ... Usage price storage network 41 ... User account 42 ... Payment company account 43 ... Amusement center company Account 208 ... Electronic contract application section 402 ... Payment request processing section 403 ... Database section 404 ... Transfer request processing section 405 ... Settlement processing section 406 ... Provision instruction section 409 ... Electronic contract processing section

Claims (15)

An electronic payment server that can request transfer to an account from a usage fee storage network that manages a user account, a settlement operator account, and a game hall operator account, and can store the amount held by the user and the amusement hall operator An electronic payment system having a mobile communication terminal and a valuable value providing device,
The mobile communication terminal obtains device specifying information for specifying the valuable value providing device by communicating with the valuable value providing device and the short-range communication means, and specifies the user specifying information for specifying the user and the device specifying information. A payment request message including: and sending the payment request message to the electronic payment server,
The electronic payment server adds a user transfer amount corresponding to a transfer amount from the user account to the payment operator account to the user holding amount, and in response to the payment request message, the electronic payment server sends a user payment to the valuable value providing device. Instructing the provision of valuable value according to the amount of money and subtracting the amount according to the user payment amount from the user holding amount, and adding the amount according to the user payment amount to the game hall company holding amount , Making a transfer request to the usage fee storage network so as to transfer the amount corresponding to the amount owned by the game hall company from the settlement company account to the game shop company account,
The electronic payment system, wherein the valuable value providing device provides a valuable value according to the user payment amount when receiving an instruction to provide a valuable value from the electronic payment server. Transfers between accounts can be requested to the usage fee storage network that manages user accounts, payment company accounts, and game hall company accounts, and valuable value is provided according to payment request messages from mobile communication terminals An electronic settlement server that instructs the device to provide valuable value according to the user payment amount,
Storage means for storing a user-owned amount and amusement hall company-owned amount;
A transfer request processing means for adding a user transfer amount corresponding to a transfer amount from the user account to the settlement operator account to the user holding amount;
In accordance with the payment request message, an amount corresponding to the user payment amount is subtracted from the user holding amount, and an amount corresponding to the user payment amount is added to the game hall operator holding amount, and the game hall business A payment request processing means for requesting the use price storage network to transfer an amount corresponding to the amount held by the person from the settlement operator account to the amusement hall operator account;
An electronic settlement server, comprising: provision instruction means for instructing the valuable value providing apparatus to provide valuable value according to the user payment amount.   By performing communication using the short-range communication means, device identification information for identifying the valuable value providing device is acquired from the valuable value providing device, and a payment request message including the user identification information for identifying the user and the device identification information is received. A mobile communication terminal characterized by generating and sending this payment request message to an electronic payment server to instruct the electronic payment server to provide a valuable value according to a predetermined user payment amount. Requesting the usage fee storage network to transfer the transfer amount specified by the user from the user account to the settlement operator account;
Adding a user transfer amount corresponding to the transfer amount to the user holding amount and storing it;
Receiving a payment request message including device specifying information for specifying the valuable value providing device and user specifying information for specifying a user acquired by performing communication by the short-range communication means with the valuable value providing device;
In response to the payment request message, instructing the valuable value providing apparatus to provide a valuable value according to a user payment amount;
Subtracting an amount corresponding to the user payment amount from the user holding amount, and adding an amount corresponding to the user payment amount to the game hall operator holding amount;
Making a transfer request to the usage fee storage network so as to transfer an amount corresponding to the amount owned by the game hall company from the payment company account to the game shop company account. . An electronic payment server capable of requesting a transfer between accounts to a usage fee storage network for managing a user account, a payment operator account, and a game hall operator account, and capable of storing a user-owned amount, a mobile communication terminal, An electronic payment system having a valuable value providing device,
The mobile communication terminal obtains device specifying information for specifying the valuable value providing device by communicating with the valuable value providing device and the short-range communication means, and specifies the user specifying information for specifying the user and the device specifying information. And generate a payment request message including the same, send the payment request message to the electronic payment server,
The electronic payment server adds a user transfer amount according to a transfer amount from the user account to the payment operator account to the user holding amount and transfers the transfer amount from the payment operator account to the amusement hall operator account. Requesting the use price storage network to transfer the corresponding amount, in response to the payment request message, instructing the valuable value providing device to provide the valuable value according to the user payment amount, Subtract the amount according to the user payment amount,
The electronic payment system, wherein the valuable value providing device provides a valuable value according to the user payment amount when receiving an instruction to provide a valuable value from the electronic payment server. Transfers between accounts can be requested to the usage fee storage network that manages user accounts, payment company accounts, and game hall company accounts, and valuable value is provided according to payment request messages from mobile communication terminals An electronic settlement server that instructs the device to provide valuable value according to the user payment amount,
Storage means for storing the amount held by the user;
A user transfer amount corresponding to the transfer amount from the user account to the settlement operator account is added to the user holding amount, and an amount corresponding to the transfer amount is transferred from the settlement operator account to the amusement hall operator account. A transfer request processing means for requesting the use price storage network to transfer,
Payment processing means for subtracting an amount corresponding to the user payment amount from the user holding amount in response to the payment request message;
An electronic settlement server, comprising: provision instruction means for instructing the valuable value providing apparatus to provide valuable value according to the user payment amount. Requesting the usage fee storage network to transfer the transfer amount specified by the user from the user account to the settlement operator account;
Requesting the usage fee storage network to transfer an amount corresponding to the transfer amount from the settlement operator account to the amusement company account;
Adding a user transfer amount corresponding to a transfer amount from the user account to the settlement operator account to the user holding amount and storing the user transfer amount;
Receiving a payment request message including device specifying information for specifying the valuable value providing device and user specifying information for specifying a user acquired by performing communication by the short-range communication means with the valuable value providing device;
In response to the payment request message, instructing the valuable value providing apparatus to provide a valuable value according to a user payment amount;
And subtracting an amount corresponding to the user payment amount from the user possession amount.   Prior to the transmission of the provision instruction message and transfer request message, the electronic payment server is an amount designated by the payment operator from the user account between the user and the payment operator who is the operator of the electronic payment system. And storing an electronic contract contract storage document having an electronic signature of a contract whose content is to be deducted and an electronic signature of a verified user attached to the contract and an electronic signature of a settlement operator. The electronic settlement system according to claim 1 or 5.   The electronic settlement system according to claim 9, wherein the electronic settlement server transmits the electronic contract document storage original for a bank in which the user account for the transaction exists.   Prior to the transmission of the provision instruction message and transfer request message, the electronic payment server is an amount designated by the payment operator from the user account between the user and the payment operator who is the operator of the electronic payment system. And storing an electronic contract contract storage document having an electronic signature of a contract whose content is to be deducted and an electronic signature of a verified user attached to the contract and an electronic signature of a settlement operator. The electronic settlement server according to claim 2 or 6.   11. The electronic settlement server according to claim 10, wherein the electronic settlement server transmits the electronic contract document storage original addressed to a bank where the user account exists. An electronic contract for a contract between the user and the payment operator who is the operator of the electronic payment system, with the content that the payment operator withdraws the specified amount from the user account, and the user attached to it Receiving an electronic signature and an electronic certificate of
Verifying the electronic signature and electronic certificate of the user, and transmitting the electronic contract and the electronic signature and electronic certificate of the settlement operator according to the verification result;
The method further comprises the step of receiving and storing an electronic contract document storage original including the electronic contract and the electronic signature of the user attached thereto, the electronic signature of the settlement operator, and a time stamp. The electronic payment method according to claim 4 or 7.   6. The electronic device according to claim 1, wherein the electronic settlement server performs addition to the user possession amount of the corresponding user when receiving a message requesting addition to the user possession amount. Payment system.   The electronic settlement server further includes an addition request processing unit that, when receiving a message requesting addition to the user-owned amount, adds to the user-owned amount of the corresponding user. The electronic settlement server according to claim 6.   8. The electronic settlement method according to claim 4, further comprising a step of adding to the user holding amount of the corresponding user when a message requesting addition to the user holding amount is received.

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