JP2009205234A - Electronic settlement system and method, program, and medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system for providing settlement service for allowing a user to confirm details of payment before settlement and to select a settlement method. <P>SOLUTION: In an electronic settlement system 1, a portable terminal device including a contactless IC card storing payment method identification information and balance data is connected to a payment settlement device having a contactless IC card reader by radio. The payment settlement device transmits data on the amount billed and a payment method reply request including communication channel information to the portable terminal device, and uses an established communication channel to settle the payment. The portable terminal device 100 receives the payment method reply request transmitted by a payment settlement device 200, prompts the user to select one of available payment method identification information stored in an IC card, transmits a request to establish a communication channel having the highest priority in the selected payment method identification information to the payment settlement device 200, and uses the established communication channel to transmit a payment method reply. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

The present invention relates to a system for providing a service to a user using a mobile terminal device typified by a mobile phone, and a method, program, and medium thereof.

The present invention is particularly useful when using a variety of services using a mobile phone equipped with a contactless IC card.

In various scenes of modern social life, the use of various services using non-contact IC cards and mobile terminal devices typified by mobile phones equipped with them is increasing.
In order to use these services, the owner of the portable terminal device is provided with the service by holding the portable terminal device over an electronic settlement device as described below.
Therefore, the service providing method and its problems will be described next.
《Station automatic ticket gate》
By holding a commuter pass and a portable terminal device loaded with electronic money over an automatic ticket gate (= electronic payment device), it is possible to perform a ticket gate (= provided service) and enter / exit.
Although it is convenient that you can enter and leave by simply holding the mobile terminal device, the owner does not know what actually happened, and there is a possibility that something contrary to the intention of the owner is being carried out.
For example, if the commuter pass has expired, it is interpreted as boarding with electronic money, so even if the owner does not want it, it is automatically cleared from the balance of electronic money.
《Store electronic cash register》
When using a mobile terminal device as a wallet for electronic money and paying electronic money with an electronic cash register (= service providing device), confirm the amount to be paid and then hold the mobile terminal device over the reader / writer (= provided) Service).
However, unlike the conventional physical currency, this payment method cannot confirm the amount actually paid, and cannot confirm the type of paid electronic money.
・ If the amount is spoken verbally by a store or store clerk, and the store clerk enters the cash register after the owner holds up the mobile terminal device, the amount will be deducted due to the store clerk's mistake or malicious intention. May be damaged.
When there are a plurality of cash registers, there is a possibility that the portable terminal device is erroneously held over a reader / writer connected to a different cash register, and it is liquidated with an amount different from the display amount of the cash register and suffers damage.
・ If you select from multiple payment methods, you cannot confirm the actual payment method.

《Dedicated Reader / Writer》
The owner of a portable terminal device equipped with multiple functions (for example, an electronic ticket and a personal certificate) uses the service as an entrance ticket for an automatic ticket gate in a movie theater, and serves as a personal certificate for a company gate or personal computer. Is used.
At this time, since the location where these services are provided is different, the owner recognizes the difference in the provided services “implicitly” and uses the service by holding the portable terminal device over the reader / writer of the device. ing. This means that a service providing organization installs a dedicated reader / writer for each service, and a portable terminal device is held over the dedicated reader / writer for service, thereby providing the corresponding service.
Alternatively, in order to provide various payment settlement methods at a single store, at present, the reader / writer for payment settlement of each method is installed, and the owner selects the reader / writer of the desired payment settlement method, and the portable terminal Hold the device.
However, for the owner, the reader / writer must be selected, and convenience is lost.
In addition, for the store, there is a cost for installing a large number of payment settlement reader / writers, and at the same time, a burden for securing the installation space arises.

Alternatively, it is also possible to provide various payment settlements using one dedicated payment settlement reader / writer.
For example, in Patent Document 1, when the mobile device 10 (for example, a credit card) of the first settlement system is used to make payment at a member store 22 of the second settlement system that is not affiliated, the second credit card is used. First contact system communicator 22 (electronic cash register) reads first credit card 10 and uses second settlement system transmission standard and data exchange format, first settlement system transmission standard and data exchange format And a technology for realizing a settlement transaction via the central service operator device 48 is disclosed.

JP-T-2007-537506 (paragraph 0022, paragraph 0041-paragraph 0051, FIG. 3)

However, in the technology of Patent Document 1, in a transaction between credit card systems that are not affiliated, a credit card that is not affiliated is read using a dedicated reader / writer of a certain system, and a central service operator device is interposed, respectively. The data format unique to the system, the mechanism to convert to security and clearing methods are complicated and large.

The present invention has been made to solve the above-described points, and the problem of the present invention is as follows.
It is to provide a system for providing a settlement service that allows a user to confirm the contents before settlement of payment and select a payment settlement method, and a method, program, and medium thereof.

This invention solves the said subject by the means as described in each following aspect.
That is, the first invention of the present invention is an electronic settlement system in which a portable terminal device incorporating a non-contact type IC card and a payment settlement device having a non-contact type IC card reader / writer are wirelessly connected. The payment settlement apparatus creates a storage method for storing payment method specifying information including communication path information and billing amount data, and a payment method response request including billing amount data and payment method specifying information. A response requesting means for transmitting this to the mobile terminal device, and a communication path opening means for receiving the communication channel establishment request transmitted by the mobile terminal device, opening the requested communication channel, and returning an establishment notification. Receiving the payment method response using the established communication path, extracting the payment method specifying information included in the payment method response, and the extracted payment method specifying information and the billing amount data stored in the storage unit; With payment The mobile terminal device associates the payment method specifying information and the remaining amount data with each other, the storage unit storing correspondence data in which the communication path information and the priority order information are associated with each other. An IC card for storing the management data, a response request receiving means for receiving a payment method response request transmitted by the payment settlement apparatus, a payment method specifying information included in the payment method response request received by the response request receiving means, and an IC One of the payment method candidate extracting means for extracting payment method specifying information that can be paid in comparison with the payment method specifying information of the management data stored in the card and the payment method specifying information extracted by the payment method candidate extracting means Payment method selection means selected by the payment method selection means with reference to the payment method selection means for selecting the data and the communication channel information and priority information of the corresponding data stored in the storage unit The communication path establishment request means for extracting the communication path establishment request including the extracted communication path information to the payment settlement apparatus, and the payment settlement apparatus transmits the communication path information including the extracted communication path information. A payment method response transmitting means for receiving a payment notification including the payment method specifying information selected by the payment method selection means using the established communication path. Is an electronic payment system characterized by

In this way, the service user can check the usage contents in advance.
In addition, since different communication paths are automatically set depending on the service, the user can easily use the service without trouble.

According to a second aspect of the present invention, the payment settlement apparatus includes an update information transmission unit that transmits a remaining amount update instruction including payment method specifying information using an established communication path. Then, the mobile terminal device receives the remaining amount update instruction using the established communication channel, and uses the payment method specifying information of the remaining amount update instruction to apply the corresponding payment in the management data stored in the IC card. 2. A terminal device comprising: balance data updating means for extracting balance data associated with method specifying information and subtracting the bill from the extracted balance to update balance data. The electronic payment system described in 1.

According to a third aspect of the present invention, in the portable terminal device, the payment method candidate extracting means further extracts the remaining amount data of the extracted payment method specifying information with reference to management data stored in the IC card, Comparing the extracted remaining amount data with the billing amount data included in the payment method response request, if the value of the remaining amount data is not small, the payment method specifying information associated with the remaining amount data is extracted. An electronic payment system according to claim 1 or claim 2.

A fourth invention of the present invention is a storage unit for storing payment method specifying information including communication path information, billing amount data, a non-contact type IC card reader / writer, billing amount data and payment method specification. Create a payment method response request including information, send a response request means for transmitting the request to the mobile terminal device, and receive the communication channel establishment request transmitted by the mobile terminal device, and open the requested communication channel , Using the communication path establishment means for returning the establishment notification, the payment method response received using the established communication path, and the payment method specifying information included in the payment method response and the billing amount data stored in the storage unit And a payment / settlement device for payment / settlement.

A fifth aspect of the present invention is a payment settlement apparatus according to claim 4, further comprising update information transmission means for transmitting a remaining amount update instruction including payment method specifying information using an established communication path. is there.

A sixth invention of the present invention is an electronic settlement system configured by wirelessly connecting a mobile terminal device incorporating a non-contact type IC card and a payment settlement device having a non-contact type IC card reader / writer. The payment settlement apparatus creates a payment method response request including a storage unit that stores payment method specifying information including communication path information and billing amount data, and billing amount data and payment method specifying information. Response request means for transmitting this to the non-contact type IC card, and communication path establishment means for receiving the communication path establishment request transmitted by the portable terminal device, opening the requested communication path, and returning the establishment notification Receiving the payment method response using the established communication path, extracting the payment method specifying information included in the payment method response, and the extracted payment method specifying information and the billing amount data stored in the storage unit; Payment settlement A payment means response request receiving means for receiving a payment method response request transmitted by the payment payment apparatus and transferring it to a portable terminal device. An IC card comprising: a storage unit for storing correspondence data in which communication path information and priority information are associated; and an IC for storing management data in which payment method specifying information is associated with remaining amount data Card, response request accepting means for receiving payment method response request transferred by contactless IC card, payment method specifying information included in payment method response request received by response request accepting means, and management stored in IC card Payment method candidate extraction means for extracting payment method identification information that can be paid in comparison with payment method identification information of data, and payment method identification information extracted by the payment method candidate extraction means A communication method included in the payment method specifying information selected by the payment method selection unit with reference to the payment method selection unit for selecting one from among the communication channel information and priority information of the corresponding data stored in the storage unit The information having the highest priority is extracted from the information, the communication path establishment request means for returning the communication path establishment request including the extracted communication path information to the payment settlement apparatus, and the establishment notification transmitted by the payment settlement apparatus. A payment method response transmission unit that receives and transmits a payment method response including the payment method identification information selected by the payment method selection unit using the established communication path. An electronic payment system.

The seventh invention of the present application is a storage unit for storing payment method specifying information including communication path information and billing amount data, a non-contact type IC card reader / writer, billing amount data and payment method specification. Create a payment method response request including information, and send a response request means for transmitting the request to the contactless IC card and a communication channel establishment request transmitted by the mobile terminal device, and establish the requested communication channel A communication path establishment means for returning an establishment notification, a payment method response received using the established communication path, payment method specifying information included in the payment method response, and billing amount data stored in the storage unit; And a payment means for payment and settlement.

According to an eighth aspect of the present invention, there is provided an IC card for storing management data in which payment method specifying information and remaining amount data are associated, billing amount data, correspondence data in which communication path information and priority order information are associated with each other. An electronic payment method used, which is an electronic payment system configured by wirelessly connecting a mobile terminal device incorporating a non-contact type IC card and a payment settlement device having a non-contact type IC card reader / writer. (1) The payment settlement apparatus creates a payment method response request including payment method specifying information, billing amount data, and communication path information, and transmits the payment method response request to the portable terminal device; (2) The mobile terminal device receives the payment method response request received by the payment settlement device, and (3) the mobile terminal device receives the payment method specifying information included in the payment method response request. A payment method candidate extracting step for extracting payment method specifying information that can be paid in comparison with the payment method specifying information in the management data of the IC card; and (4) the payment method extracted in the payment method candidate extracting step. A payment method selection step for selecting one of the specific information, and (5) the portable terminal device extracts the communication path information associated with the selected payment method specific information, and the correspondence stored in the storage unit Referring to the data channel information and priority information, extract the channel information with the highest priority from the extracted channel information, and establish the channel including the extracted channel information. (6) the payment settlement apparatus receives the communication path establishment request transmitted by the mobile terminal device, and establishes the requested communication path to notify the establishment; Return And (7) the mobile terminal device receives the establishment notification transmitted by the payment settlement device, and uses the established communication channel to obtain the payment method specifying information selected in the payment method selection step. A payment method response transmission step for transmitting a payment method response including the payment method response, and (8) the payment settlement apparatus receives the payment method response using the established communication path and receives the payment method identification information and the bill included in the payment method response An electronic payment method characterized in that the electronic payment method is performed by a procedure including an electronic payment step of performing payment payment using amount data.

According to a ninth aspect of the present invention, (1) the payment settlement apparatus transmits an update information transmission for transmitting a remaining amount update instruction including payment method specifying information using the established communication path after performing payment settlement in the electronic settlement step. And (2) the mobile terminal device receives the remaining amount update instruction using the established communication channel, and uses the payment method specifying information of the remaining amount update instruction, and the corresponding in the management data stored in the IC card A balance data update step of extracting balance data associated with the payment method specifying information and subtracting the billing amount from the extracted balance and updating the balance data. The electronic payment method according to claim 8.

According to a tenth aspect of the present invention, in the payment method candidate extraction step, the remaining amount data of the extracted payment method specifying information is extracted with reference to management data stored in the IC card, and the extracted remaining amount data and Comparing with the billing amount data included in the payment method response request, if the value of the remaining amount data is not small, the payment method specifying information associated with the remaining amount data is extracted. 10. The electronic settlement method according to claim 8 or claim 9 including a procedure.

An eleventh aspect of the present invention is a computer program that causes a computer to operate as the electronic settlement system according to any one of claims 1 to 3 by being incorporated in the computer.

A twelfth aspect of the present invention is a computer-readable recording medium on which the computer program according to the eleventh aspect is recorded.

A thirteenth aspect of the present invention is a computer program that causes a computer to operate as the payment settlement apparatus according to claim 4 or 5 by being incorporated in the computer.

A fourteenth aspect of the present invention is a computer-readable recording medium on which the computer program according to the thirteenth aspect is recorded.

A fifteenth aspect of the present invention is a computer program that causes a computer to operate as the payment settlement apparatus according to claim 6 or 7 by being incorporated in the computer.

A sixteenth aspect of the present invention is a computer-readable recording medium on which the computer program according to the fifteenth aspect is recorded.

According to the present invention,
(1) It is possible to confirm the contents before receiving the service.
(2) It is possible to use a plurality of services using an electronic payment system with a simple structure.
Therefore, according to the present invention, there is an effect that the service can always be used with peace of mind.

Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings.

FIG. 1 is a diagram illustrating an outline of an electronic payment system 1 according to the present invention.
The electronic payment system 1 is configured by wirelessly connecting a mobile terminal device 100 incorporating a non-contact type IC card and a payment settlement device 200 having a non-contact type IC card reader / writer 204.

When the owner of the mobile terminal device 100 brings the mobile terminal device 100 close to the contactless IC card reader / writer 204 of the payment settlement apparatus 200, a list of payment methods provided by the payment settlement apparatus 200 is displayed. The payment settlement apparatus 200 performs electronic settlement using a payment method displayed on the screen 100 and selected by the owner.
Electronic payment includes electronic payment and commuter pass ticket management.

The non-contact type IC card included in the portable terminal device 100 can be connected to the payment settlement apparatus 200 by being brought close to the non-contact type IC card reader / writer 204 so as to be almost in contact.

The mobile terminal device 100 and the payment settlement apparatus 200 are wirelessly connected.
The mobile terminal device 100 is a mobile phone, PDA (abbreviation of personal digital assistant, portable information terminal device) or smart phone that incorporates a non-contact IC card, and a dedicated program described later.

The payment settlement apparatus 200 is a payment settlement apparatus 200a such as an electronic register (= electronic cash register) or a station server apparatus 200b that controls an electronic ticket gate.
The payment settlement apparatus 200 includes a non-contact type IC card reader / writer 204 (hereinafter referred to as a reader / writer) and is connected to a network 400 having a wireless connection unit.

Here, the wireless connection communication standards are short-range wireless communication standards such as ISO / IEC 21481, IEEE802.15 (such as Bluetooth), IEEE802.11 (Wi-Fi), wireless for mobile phones such as WCDMA, IEEE802. 16 (wireless broadband).

For example, when the mobile terminal device 100 is connected to a mobile phone, the mobile phone is connected to the base station, connected to the network 400 via the gateway, and connected to the payment settlement device 200.

FIG. 2 is a diagram for explaining a rough processing flow of the electronic settlement system 1.
Hereinafter, electronic payment will be described as an example.

<< 1. Preparation for electronic payment >>
The payment settlement apparatus 200 prepares data necessary for electronic settlement (for example, a billing amount for payment settlement) (FIG. 2 (1)).

<< 2. Presentation of payment method >>
The owner of the mobile terminal device 100 brings the mobile terminal device 100 close to the reader / writer 204 ((2)).
The non-contact type IC card reader / writer 204 detects the mobile terminal device 100 that is approaching and notifies the payment settlement device 200 ((3)).
The payment settlement apparatus 200 transmits a payment method response request so as to respond to the payment method to the mobile terminal apparatus 100 that has approached ((4)).
<< 3. Select payment method >>
The mobile terminal device 100 accepts a payment method response request from the payment settlement device 200, displays a payment method selection screen, and accepts input of payment method selection information ((5)).

<< 4. Opening a message channel >>
The portable terminal device 100 charges the payment settlement apparatus 200 to establish a communication path for responding to the payment settlement apparatus 200 with the selected payment method ((6)).
The payment settlement apparatus 200 accepts the establishment request from the portable terminal apparatus 100, opens a communication path for the portable terminal apparatus to respond to the payment method, and returns an establishment notification ((7)).
Here, the communication path is a communication path set by a communication standard to be used.
For example, the form of the established communication path is a reader / writer, a mobile phone line, or a wireless LAN.
When the established communication path is the reader / writer 204, the owner brings the portable terminal device 100 close to the reader / writer 204 again (= holds).
When the established communication path is a mobile phone line or a wireless LAN, the mobile terminal device 100 automatically connects to the mobile phone line or the wireless LAN.

<< 5. Payment settlement process >>
100 receives the establishment notice returned from the payment settlement apparatus 200, and responds with the selected payment method using the established communication path ((8)).
The payment settlement apparatus 200 processes the payment settlement based on the prepared billing data of the electronic settlement by the payment method informed by the response using the established communication path ((9)).

<< 6. Mobile update process >>
The payment settlement apparatus 200 transmits an update instruction (for example, an instruction to update the remaining amount) using the established communication path ((10)).
The mobile terminal device 100 receives the remaining amount update instruction transmitted using the established communication channel and updates the remaining amount ((11)).

Here, the payment method response request will be described first.
FIG. 3 is a diagram for explaining the payment method response request 291. FIG. 3A is a diagram for explaining the format of the payment method response request 291.
The payment method response request 291 includes a request ID 291a, a request type 291b, request supplement information 291c, display information 291d, and a response communication means list 291g.
The request ID 291a is information for identifying a payment method response request.
The request type 291b is information that defines the type of electronic payment. The type of service is, for example, electronic payment, commuter pass / boarding ticket, electronic ticket presentation, or the like.
The request supplement information 291c is character string information that supplements the request type.
The display information 291d is character string information displayed on the mobile terminal device 100. The display information may be described in the HTML format. The display information 291d explains the meaning (for example, “payment details” or “authentication purpose”) that the owner of the mobile terminal device 100 will perform.
The response communication means list 291g is information composed of response communication means type information 291e and communication parameters 291f corresponding thereto. The response communication means type information 291e is, for example, Bluetooth, Wi-Fi, wireless broadband (= telephone wireless), reader / writer (= R / W), or the like. At this time, the data transmission method (e.g., e-mail, URL, etc.) may also be described.

FIG. 3B is an example of a payment method response request.
FIG. 3 illustrates a payment method response request. For example, the request ID 291a is “ID579”, the request type 291b is “electronic payment”, the request supplement information 291c is “credit card“ ○ □ △ ”electronic money“ smomo ”point card“ Hijiribashi ”shopping total ¥ 980” A payment method response request 291x in which the display information 291d is “shopping list / soft drink / bread” and the response communication means list 291g is “1.Bluetooth 2.R / W” is illustrated.

The meaning of the payment method response request 291x is that the payment method response request 291 with the request ID 291a “ID579” requests the owner of the portable terminal device to respond with the payment method of “electronic payment”. The payment methods that can be used are credit card “○ □ △”, electronic money name “Sumomo” and point card “Hijiribashi”, and the total payment is “¥ 980”. There are “shopping list, soft drink, bread,...” In part, and communication means that can be used for electronic payment are “Bluetooth” and “R / W”.

Alternatively, the request ID 291a is “ID371”, the request type 291b is “present electronic ticket”, the request supplement information 291c is “ticket“ Pair ”ticket“ Sekai ”ticket name“ × * ▽ concert ””, and the display information 291d is In “presentation of entrance ticket”, a payment method response request 291y in which the response communication means list 291 is “1. R / W 2. Telephone wireless electronic mail” is illustrated.

The payment method response request 291y means that the payment method response request 291 whose request ID 291a is "ID371" requests "electronic ticket presentation", and an available ticket handling company is "ticket" Pair " “Sekai”, the ticket to be used is “XX Concert”, and part of the information displayed on the mobile terminal device 100 is “presentation of entrance ticket”, which can be used for electronic payment. The means is that it is “R / W” or “telephone radio e-mail”.

Alternatively, the request ID 291 a is “ID396”, the request type 291 b is “personal authentication”, the request supplement information 291 c is “PC login authentication”, the display information 291 d is “login to PC”, and the response communication means list 291 is “ The payment method response request 291z which is “R / W” is illustrated.

The payment method response request 291z means that the payment method response request 291 whose request ID 291a is “ID396” requests “personal authentication”. "Login" is displayed, and the communication means uses R / W.

Next, the flow of processing for paying with electronic money of a mobile phone at an electronic cash register in a store will be described with reference to FIG.
FIG. 4 is a diagram for explaining a procedure of payment settlement processing at an electronic cash register (= payment settlement apparatus) by a cellular phone (= portable terminal apparatus).

<< 1. Preparation for electronic payment >>
The electronic cash register 200 accepts the input of the POS data of the sold product and calculates the amount charged (FIG. 2 (1)).

<< 2. Presentation of payment method >>
The owner of the mobile phone 100 brings the mobile phone 100 closer to the reader / writer 204 of the electronic cash register 200 ((2)).
The reader / writer 204 detects the mobile phone 100 that is approaching, and notifies the payment settlement apparatus 200 ((3)).
The electronic cash register 200 transmits the payment method response request 291 including the billing amount, the payment method candidate, and the communication method candidate to the mobile phone 100 that has approached ((4)).

<< 3. Select payment method >>
The cellular phone 100 receives the payment method response request 291 from the electronic cash register 200, and reads the billed amount and the payment method ((5-1)).
The mobile phone 100 examines the balance of each payment method, and extracts a payment method (= paid payment method that can be used) that can pay the billed amount ((5-2)).
The mobile phone 100 displays a payment selection screen composed of the extracted payment methods ((5-3)).
The mobile phone 100 accepts input of information for selecting a payment method, and extracts a communication method having the highest priority set beforehand from communication method candidates ((5-4)).

<< 4. Opening a message channel >>
The cellular phone 100 transmits the extracted communication path establishment request to the electronic cash register 200 ((6)).
The electronic cash register 200 receives a request for establishment from the mobile phone 100 ((7-1)).
The electronic cash register 200 then opens the requested communication path and returns a notification of establishment ((7-2)).

<< 5. Payment settlement process >>
The establishment notice returned from the electronic cash register 200 is received ((8-1)).
The cellular phone 100 transmits a payment method response including the payment method information selected using the established communication path and the payment amount information to the electronic cash register 200 ((8-2)).
The electronic cash register 200 receives the payment method response transmitted using the established communication path ((9-1)).
The electronic cash register 200 performs a payment settlement process of the billed amount by the selected payment method ((9-1)).

<< 6. Mobile update process >>
The electronic cash register 200 transmits an update instruction including payment method specifying information and a billed amount using the established communication path ((10)).
The mobile phone 100 receives the update instruction transmitted using the established communication path, and updates the balance by subtracting the amount charged for the update instruction from the balance of the selected payment method (same (11)).

FIG. 6 is a detailed configuration diagram of the payment settlement apparatus 200.
The payment settlement apparatus 200 includes a CPU 201, a reader / writer 204, a network connection unit 205, a storage unit 209, and a dedicated program.

The CPU 201 is a central processing unit.
The reader / writer 204 is a device that performs short-range wireless communication with the mobile phone 100 and the non-contact type IC card.
Here, the communication standard for short-range wireless communication is ISO / IEC 21481 or the like.
The network connection unit 205 is a LAN connection terminal.

The storage unit 209 is a semiconductor memory or a magnetic memory.
The storage unit 209 stores payment method specifying information 293 and billing amount data 295.
The payment method specifying information 293 is information including communication path information.
The billing amount data 295 is billing data for electronic payment settlement.

Payment method response requesting means 210, communication path opening means 220, and settlement means 230 are provided. Each of these means is realized by each dedicated program and functions by the CPU 101 interpreting and executing the dedicated program.

The response request unit 210 creates a payment method response request 291 including the billing amount data 295 and the payment method specifying information 293, and transmits this to the portable terminal device.
The communication channel establishment means 220 receives the communication channel establishment request transmitted from the mobile terminal device, establishes the requested communication channel, and returns an establishment notification to the mobile terminal device.
The settlement means 230 receives the payment method response using the established communication channel, and settles the payment using the payment method specifying information included in the payment method response and the billing amount data stored in the storage unit. .

The update information transmission means 240 transmits an update instruction including payment method specifying information using the established communication path.

FIG. 5 is a detailed configuration diagram of the mobile phone 100.
The mobile phone 100 includes a CPU 101, an input unit 102, a display unit 103, a non-contact type IC card 104, a power supply unit 108, a storage unit 109, and a dedicated program.

The CPU 101 is a central processing unit.
The display unit 103 is an LCD (liquid crystal display device) or an EL (organic electroluminescence) display.
The input unit 102 is a button keyboard, a touch pen, a touch pad, a soft keyboard using the display unit 103, or the like.

The wireless communication unit 105 includes an antenna 106. The wireless communication unit 105 transmits and receives wireless radio waves via the antenna 106.
Wireless radio wave communication standards include ISO / IEC 21481, IEEE802.15, IEEE802.11, IEEE802.16, and the like.

The power supply unit 108 stores power and supplies the stored power to each circuit.

The non-contact type IC card 104 performs short-range wireless communication with a non-contact type IC card reader / writer (for example, the reader / writer 204 of the payment settlement apparatus 200).
A communication standard for short-range wireless communication is ISO / IEC 21481 or the like.
The non-contact type IC card 104 stores management data 193. (The detailed configuration of the IC card 104 will be described later).
The management data 193 is data in which the payment method specifying information and the remaining amount data are associated with each other.
The storage unit 109 is a semiconductor memory.
The storage unit 109 stores correspondence data 191.
The correspondence data 191 is data in which communication path information (for example, communication standard name information) is associated with priority information.

In addition, a response request accepting unit 110, a payment method specifying information extracting unit 140, a payment method candidate extracting unit 150, a communication path establishment requesting unit 120, and a payment method response transmitting unit 130 are provided. Each of these means is realized by each dedicated program and functions by the CPU 101 interpreting and executing the dedicated program.

The response request accepting unit 110 receives the payment method response request 291 transmitted by the payment settlement apparatus 200.

The payment method specifying information extracting unit 140 can use the payment method specifying information that is matched between the payment method specifying information 293 included in the payment method response request and the payment method specifying information in the management data 193 of the IC card. As specific payment method identification information.
Further, the payment method specifying information extracting unit 140 compares the billing amount data 295 included in the payment method response request 291 with the remaining amount data included in the management data 193 of the extracted payment method specifying information, and determines the value of the remaining amount data. If is not small, payment method specifying information associated with the remaining amount data may be extracted.

The payment method selection unit 150 selects one of the payment method identification information extracted by the payment method candidate extraction unit.
For example, the payment method selection means 150 may create and display a payment method selection screen having the payment method specification information extracted by the payment method specification information extraction means, and select one from the selection screen.

The communication channel establishment requesting unit 120 uses the payment method specifying information selected by the payment method selecting unit 150, refers to the correspondence data 191, and has the highest priority among the communication channel information corresponding to the selected payment method specifying information. Is extracted, and a communication channel establishment request including this communication channel information is returned to the payment settlement apparatus.
The payment method response transmission unit 130 receives the establishment notification transmitted by the payment settlement apparatus, and transmits the payment method response including the payment method specifying information selected by the payment method selection unit 150 using the established communication path. .

The remaining amount data update means 160 receives the update instruction using the established communication channel, and uses the payment method specifying information of the update instruction to apply the corresponding payment method specifying information from the management data 193 stored in the IC card. (= Payment method specifying information in the update instruction is compared with the payment method specifying information of the management data 193, and the remaining amount data associated with the management data 193 payment method specifying information when both match is extracted) New balance data is calculated by reducing the billing amount from the balance data, and the balance data of the management data stored in the IC card is updated using the new balance data.

FIG. 7 is a circuit block diagram of the IC card 104.
The IC card 104 includes a CPU 11, a connection terminal 12, a wireless communication circuit 13, a power supply capacitor 14, a tamper resistant memory 19, and a dedicated program.

The CPU 11 is a central processing unit.
The connection terminal 12 is in contact connection with a connection terminal plate (not shown) of the mobile phone 100.

The wireless communication circuit 13 demodulates the received electromagnetic wave and extracts a control signal. Alternatively, a carrier wave for transmitting electromagnetic waves is generated, and digital information is converted into radio waves.
The wireless communication circuit 13 is connected to the reader / writer 204 of the payment settlement apparatus 200 by short-range wireless communication.
The communication standard for short-range wireless communication is ISO / IEC 21481.

The power supply capacitor 14 has an antenna coil 13a.
The power supply capacitor 14 stores radio wave electromagnetic wave energy (= power) received by the antenna coil 13a, and supplies the power stored in each circuit.

The tamper resistant memory 109 is a semiconductor memory.
The tamper resistant memory 109 is a nonvolatile memory. The tamper resistant memory 109 stores management data 193.

In addition, management data update means 15 is provided.
When the management data updating unit 15 receives the balance request including the payment method specifying information from the mobile phone 100, the management data updating unit 15 compares the payment method specifying information of the remaining amount data 193 stored in the tamper resistant memory 109, and specifies the payment method that matches both. The balance data associated with the information is returned, the new balance data calculated by the mobile phone 100 is received, and the balance data of the management data 193 is updated using this.

The contactless IC card reader / writer 204 of the payment settlement apparatus 200 detects the approach of the contactless IC card 104 built in the mobile phone 100, and lists payment methods provided by the payment settlement apparatus 200. May be displayed on the mobile terminal device 100.
In this case, the non-contact type IC card 104 further includes response request accepting means 16.
The response request receiving means 16 receives the payment method response request 291 transmitted from the payment settlement apparatus 200 and transfers it to the mobile phone 100.
The mobile phone 100 includes a response request receiving unit 111 instead of the response request receiving unit 110. The response request receiving unit 111 receives a payment method response request transferred by the contactless IC card.

The figure explaining the outline | summary of the electronic payment system 1 by this invention The figure explaining the flow of a rough process of the electronic payment system 1 The figure explaining the payment method response request 291 The figure explaining the procedure of the payment settlement process in the electronic cash register by a mobile phone Detailed configuration diagram of payment settlement apparatus 200 Detailed configuration diagram of mobile phone 100 Circuit block diagram of IC card 104

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic payment system 15 Management data update means 100 Portable terminal device, mobile phone 104 Non-contact type IC card 110 Response request reception means 120 Communication path establishment request means 130 Payment method response transmission means 140 Payment method specific information extraction means 150 Payment method candidate Extraction means 160 Remaining amount data update means 191 Corresponding data 193 Communication path information 200 Payment settlement device, electronic cash register 204 Non-contact type IC card reader / writer 210, reader / writer 210 Response request means 220 Communication path establishment means 230 Payment means 240 Update information transmission Means 291 Payment method response request 293 Balance data 295 Claim data

Claims (16)

An electronic settlement system configured by wirelessly connecting a mobile terminal device incorporating a non-contact type IC card and a payment settlement device having a non-contact type IC card reader / writer,
The payment settlement apparatus
A storage unit for storing payment method specifying information including communication path information, and billing amount data;
A response requesting means for creating a payment method response request including billing amount data and payment method specifying information, and transmitting the request to the mobile terminal device;
A communication channel establishment means for receiving a communication channel establishment request transmitted by the mobile terminal device, establishing the requested communication channel, and returning an establishment notification;
The payment method response is received using the established communication path, the payment method specifying information included in the payment method response is extracted, and the extracted payment method specifying information and the billing amount data stored in the storage unit are used. Payment means for payment settlement;
A payment device comprising:
The portable terminal device
A storage unit for storing correspondence data in which communication path information and priority order information are associated;
An IC card for storing management data in which payment method specifying information and balance data are associated;
A response request receiving means for receiving a payment method response request transmitted by the payment settlement apparatus;
A payment method candidate for extracting payment method identification information that can be paid by comparing the payment method identification information included in the payment method response request received by the response request receiving means with the payment method identification information of the management data stored in the IC card Extraction means;
A payment method selection means for selecting one of the payment method identification information extracted by the payment method candidate extraction means;
With reference to the communication channel information and priority information of the corresponding data stored in the storage unit, the highest priority is extracted from the communication channel information included in the payment method specifying information selected by the payment method selection means. A communication channel establishment requesting means for returning a communication channel establishment request including the extracted communication channel information to the payment settlement apparatus;
A payment method response transmitting unit that receives the establishment notification transmitted by the payment settlement apparatus and transmits a payment method response including the payment method specifying information selected by the payment method selection unit using the established communication path;
An electronic settlement system comprising: a terminal device comprising: The payment settlement apparatus
A settlement apparatus comprising update information transmitting means for transmitting a remaining amount update instruction including payment method specifying information using an established communication path,
The portable terminal device
Remaining amount data associated with the relevant payment method specifying information in the management data stored in the IC card using the payment method specifying information of the remaining amount update instruction by receiving the remaining amount update instruction using the established communication channel , And the remaining amount data updating means for updating the balance data by reducing the billing amount from the extracted remaining amount,
A terminal device comprising:
The electronic payment system according to claim 1. The portable terminal device
The payment method candidate extracting means further extracts the remaining amount data of the extracted payment method specifying information with reference to the management data stored in the IC card, and includes the extracted remaining amount data and the bill amount included in the payment method response request 3. The electronic settlement system according to claim 1, wherein the payment method specifying information associated with the remaining amount data is extracted if the value of the remaining amount data is not small by comparing with the data. A storage unit for storing payment method specifying information including communication path information, and billing amount data;
A non-contact type IC card reader / writer;
A response requesting means for creating a payment method response request including billing amount data and payment method specifying information, and transmitting the request to the mobile terminal device;
A communication channel establishment means for receiving a communication channel establishment request transmitted by the mobile terminal device, establishing the requested communication channel, and returning an establishment notification;
A payment unit that receives a payment method response using the established communication path, and uses the payment method identification information included in the payment method response and the bill amount data stored in the storage unit;
A payment settlement apparatus comprising: 5. The payment settlement apparatus according to claim 4, further comprising update information transmitting means for transmitting a remaining amount update instruction including payment method specifying information using the established communication path. An electronic settlement system configured by wirelessly connecting a mobile terminal device incorporating a non-contact type IC card and a payment settlement device having a non-contact type IC card reader / writer,
The payment settlement apparatus
A storage unit for storing payment method specifying information including communication path information, and billing amount data;
A response requesting means for creating a payment method response request including billing amount data and payment method specifying information and transmitting the request to the contactless IC card;
A communication channel establishment means for receiving a communication channel establishment request transmitted by the mobile terminal device, establishing the requested communication channel, and returning an establishment notification;
The payment method response is received using the established communication path, the payment method specifying information included in the payment method response is extracted, and the extracted payment method specifying information and the billing amount data stored in the storage unit are used. Payment means for payment settlement;
A payment device comprising:
The non-contact type IC card is
A response request receiving means for receiving a payment method response request transmitted by the payment settlement apparatus and transferring it to the mobile terminal device;
An IC card comprising:
The portable terminal device
A storage unit for storing correspondence data in which communication path information and priority order information are associated;
An IC card for storing management data in which payment method specifying information and balance data are associated;
A response request receiving means for receiving a payment method response request transferred by the contactless IC card;
A payment method candidate for extracting payment method identification information that can be paid by comparing the payment method identification information included in the payment method response request received by the response request receiving means with the payment method identification information of the management data stored in the IC card Extraction means;
A payment method selection means for selecting one of the payment method identification information extracted by the payment method candidate extraction means;
With reference to the communication path information and priority information of the corresponding data stored in the storage unit, the communication path information included in the payment method specifying information selected by the payment method selection means is extracted with the highest priority. A communication channel establishment requesting means for returning a communication channel establishment request including the extracted communication channel information to the payment settlement apparatus;
A payment method response transmitting unit that receives the establishment notification transmitted by the payment settlement apparatus and transmits a payment method response including the payment method specifying information selected by the payment method selection unit using the established communication path;
An electronic settlement system comprising: a terminal device comprising: A storage unit for storing payment method specifying information including communication path information, and billing amount data;
A non-contact type IC card reader / writer;
A response requesting means for creating a payment method response request including billing amount data and payment method specifying information and transmitting the request to the contactless IC card;
A communication channel establishment means for receiving a communication channel establishment request transmitted by the mobile terminal device, establishing the requested communication channel, and returning an establishment notification;
A payment unit that receives a payment method response using the established communication path, and uses the payment method identification information included in the payment method response and the bill amount data stored in the storage unit;
A payment settlement apparatus comprising: An IC card for storing management data in which payment method specifying information and balance data are associated;
Billing data,
Correspondence data associating communication path information with priority information;
An electronic payment method using
An electronic settlement system configured by wirelessly connecting a mobile terminal device incorporating a non-contact type IC card and a payment settlement device having a non-contact type IC card reader / writer,
(1) The payment settlement apparatus creates a payment method response request including payment method specifying information, billing amount data, and communication path information, and transmits the payment method response request to the mobile terminal device;
(2) The mobile terminal device receives a payment method response request received by the payment settlement device;
(3) The portable terminal device extracts payment method candidate information for extracting payment method identification information that can be paid by comparing the payment method identification information included in the payment method response request with the payment method identification information of the management data of the IC card. Steps,
(4) The mobile terminal device has a payment method selection step for selecting one of the payment method identification information extracted in the payment method candidate extraction step;
(5) The mobile terminal device extracts the communication path information associated with the selected payment method specifying information, and refers to the communication path information and priority information of the corresponding data stored in the storage unit. A communication path establishment request step for extracting communication path information with the highest priority from the extracted communication path information and returning a communication path establishment request including the extracted communication path information to the payment settlement apparatus;
(6) The payment settlement apparatus receives the communication path establishment request transmitted by the mobile terminal device, opens the requested communication path, and returns an establishment notification;
(7) The mobile terminal device receives the establishment notification transmitted by the payment settlement apparatus, and transmits a payment method response including the payment method specifying information selected in the payment method selection step using the established communication path. A payment method response sending step;
(8) An electronic settlement step for receiving a payment method response using the established communication path and performing payment settlement using the payment method specifying information and the billing amount data included in the payment method response. ,
An electronic payment method characterized in that it is made by a procedure including (1) The payment settlement apparatus, after performing the payment settlement in the electronic settlement step, an update information transmission step of transmitting a remaining amount update instruction including the payment method specifying information using the established communication path;
(2) The mobile terminal device receives the remaining amount update instruction using the established communication channel, and uses the payment method specifying information of the remaining amount update instruction, and the corresponding payment method in the management data stored in the IC card A balance data update step of extracting balance data associated with the specific information, subtracting the bill amount from the extracted balance, and updating the balance data;
The electronic payment method according to claim 8, wherein the electronic payment method is performed by a procedure including: The payment method candidate extraction step further extracts the remaining amount data of the extracted payment method specifying information with reference to the management data stored in the IC card, and includes the extracted remaining amount data and the bill amount included in the payment method response request Compare with the data, and if the value of the balance data is not small, the payment method specifying information associated with the balance data is extracted.
10. The electronic settlement method according to claim 8, further comprising a procedure characterized by the above. The computer program which makes a computer operate | move as an electronic payment system of any one of Claim 1 to 3 by incorporating in a computer. The computer-readable recording medium which recorded the computer program of Claim 11. A computer program that causes a computer to operate as the payment settlement apparatus according to claim 4 by being incorporated in the computer. A computer-readable recording medium on which the computer program according to claim 13 is recorded. A computer program that causes a computer to operate as the payment settlement apparatus according to claim 6 by being incorporated in the computer. The computer-readable recording medium which recorded the computer program of Claim 15.

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