JP2011118563A - Settlement system using position information - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a system and method for achieving settlement by using the position information of both a purchase subject and a selling subject. <P>SOLUTION: A purchase terminal equipped with the acquisition function of position information and a communication means is configured to acquire current position information by using a means such as a GPS, and to notify a terminal position information management server of the current position by using the communication means. For example, when a purchase subject who carries this selling terminal requests a settlement procedure in the case of purchasing an article, the selling terminal inquires a purchase terminal which is present at the same position as the selling terminal or in its prescribed proximity range to the terminal position information management server by using the position information as a key, and specifies the purchase terminal. The selling terminal performs the settlement processing by using a terminal settlement means owned by the specified purchase terminal. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

  The present invention relates to a payment system, and more particularly to a payment system using location information.

  Currently, payment methods for goods purchased at stores, vending machines, etc. are cash payments, credit card payments, or so-called electronic money, holding money information recorded on contactless terminals and prepaid cards over a reader. There are methods such as debiting.

  However, cash payment requires time for direct exchange of money between the purchasing entity and the selling entity. In addition, payment by credit card reduces the time for sending and receiving money such as cash payment, but it is often necessary to exchange the card and input a signature or PIN by the purchaser. Furthermore, in the payment by electronic money, both the purchasing entity and the selling entity must prepare corresponding devices or devices, and further, an operation of holding the corresponding devices and devices over the devices is required.

  As means for reducing such labor, several settlement systems that collate position information of both the purchasing entity and the selling entity have been proposed. There are techniques as described in Patent Documents 1 to 4 in the settlement system using the position information.

JP 2002-56331 A JP-A-2005-216210 JP 2006-350450 A JP 2008-287321 A

  However, in these technologies, location information is used for security purposes such as preventing unauthorized use of cash cards, etc., or identifying areas where the purchaser can settle, and payment can be made by collating location information. It does not describe the system to perform.

  Therefore, the problem to be solved by the present invention is to provide a system and method capable of making a settlement by referring to the location information of both the purchasing entity and the selling entity.

  The present invention provides a payment system for performing payment processing via a network between a purchase terminal and a sales terminal, and the system is communicated via one or more of the purchase terminals via the network. Terminal location information management server for managing the location information and the location information of the sales terminal, and the terminal location information management server is located at the same location as the sale terminal or purchase terminal in response to a request from the sale terminal or purchase terminal. Alternatively, the main feature is that a purchase terminal or a sales terminal within a predetermined proximity range is specified, and settlement processing is performed between the specified sales terminal and the purchase terminal.

  In addition, the purchase terminal includes a position information acquisition unit for acquiring information on a current position of the purchase terminal.

  The system may further include a settlement unit for performing the settlement process, and the settlement unit may perform the settlement process in response to a request from the sales terminal or purchase terminal.

  Further, the settlement means is a credit card settlement means or an electronic money settlement means.

  The present invention further provides a method for performing payment processing via a network using the location information of the purchase terminal and the sales terminal registered in the terminal location information management server, wherein the terminal location information management server includes Obtaining and storing location information from the sales terminal and the purchase terminal, and the terminal location information management server at the same location as the sale terminal or purchase terminal or a predetermined proximity range according to the request of the sale terminal or purchase terminal And a step of specifying a purchase terminal or a sales terminal inside, and a step of performing a settlement process between the specified sales terminal and the purchase terminal.

  The method according to the present invention is characterized in that the purchase terminal periodically acquires location information by location information acquisition means in its own terminal and transmits it to the terminal location information management server.

  In the present invention, by making payment using the location information of the purchase terminal and sales terminal registered in the terminal location information management server, for example, the purchase entity can make a payment without operating the purchase terminal. Or if it is set as the structure which requests | requires a process from the purchase terminal side, a payment process can be performed, without adding an apparatus to the existing POS and a vending machine.

  In addition, the purchase terminal includes position information acquisition means for acquiring information on the current position of the own terminal, whereby position information is acquired by GPS or the like, and the position information of the own terminal is transmitted to the terminal position information management server by communication means. Can be registered, and settlement processing using position information with high accuracy becomes possible.

  In addition, since the payment system includes payment means, payment processing can be performed without performing an input operation or the like of the purchase subject.

  A known settlement means such as a credit card or electronic money for the settlement process can be used, and the settlement process can be performed without using a special settlement means.

FIG. 1 is an example of a system configuration diagram of a settlement system of the present invention. FIG. 2 is an example of the configuration of the purchase terminal 2 shown in FIG. FIG. 3 is a flowchart of an embodiment of the present invention. FIG. 4 is a configuration diagram of a payment system in the case where payment is made using a mobile phone equipped with a GPS receiver as a purchase terminal. FIG. 5 is a configuration diagram of a payment system when electronic money is used as a payment means.

  Best modes for carrying out the present invention will be described below in detail with reference to the accompanying drawings.

  A system configuration diagram of the settlement system of the present invention is shown in FIG. The payment system 1 includes a purchase terminal 2, a sales terminal 3, and a terminal location information management server 4, which communicate with each other via a network 5. The purchase terminal 2 is operated by the purchase entity 6, and the sales terminal 3 is operated by the sales entity 7.

  The configuration of the purchase terminal 2 of the present invention is shown in FIG. The purchase terminal 2 includes a communication unit 2-1, a position information acquisition unit 2-2, and a settlement unit 2-3. The purchase terminal 2 may be a dedicated terminal for settlement using the present invention, but can be realized by incorporating the function of the present invention into a mobile phone, for example. In this case, although not shown, the purchase terminal 2 includes various other means necessary for the mobile phone.

  The communication means 2-1 is a means for the purchase terminal 2 to access the network 5. The communication unit 2-1 may be a wired or wireless access unit, but is preferably a wireless network access unit. The communication means 2-1 is not limited, but can include a network device such as a data communication card or a LAN card.

  The position information acquisition unit 2-2 is a unit for acquiring information on the current position of the purchase terminal 2. The location information of the purchase terminal 2 may be acquired via either the same network as the communication unit 2-1 or a different network, and the radio wave status of the wireless system may be used as the location information. The position information acquisition unit 2-2 can include, for example, GPS, RFID, power-saving radio, etc., without limitation.

  The settlement unit 2-3 is a unit for performing settlement of the payment amount. Although not limited, a settlement method using a credit card, a cash card (debit card), electronic money or the like is used in the settlement means 2-3. Although the settlement means 2-3 is not limited, it can include devices such as an IC chip and a memory module for storing credit card information, cash card information, and electronic money.

  The purchase terminal 2 is, for example, a mobile communication terminal such as a mobile phone, but is not intended to exclude a fixed communication terminal such as a personal computer connected to a network.

  The sales terminal 3 is connected to the network 5 by wired or wireless communication means, and is, for example, a terminal built in a store register or a vending machine, or an individual dedicated terminal connected to the outside. Although the sales terminal 3 is not limited, for example, sales business hardware such as a POS system or software can be included therein.

  The terminal position information management server 4 includes at least identification information (for example, a mobile phone number, a store telephone number, a terminal serial number, etc.) and position information (for example, latitude / longitude information) transmitted from the purchase terminal 2 and the sales terminal 3. Etc.) from each terminal (for example, a hard disk) and a means for searching and returning the stored contents in response to an inquiry from each terminal. The identification information and position information data in the storage means are stored using information management means such as a database, for example, in order to facilitate data collation and inquiry. The location information management server 4 can further have security functions necessary for safely managing data such as identification information and location management information, and data necessary for conducting electronic commerce (account account information, etc.). ) And functions such as a dedicated program for electronic commerce. The location information management server 4 may be an EC (electronic commerce) server that integrates these functions, for example.

  The network 5 can be selected from a wired network, a wireless network, or a combination thereof and operates according to standards such as, but not limited to, W-CDMA, Wi-Fi, WiMAX, Ethernet (registered trademark), and the like.

  Although not shown in FIG. 1, the payment system 1 can further include an arbitrary server connected to the network 5. For example, a server for managing the correspondence between the terminal information and the settlement means may be provided as a means for cooperating with the settlement means 2-3 inside the purchase terminal 2. Furthermore, you may provide the server for implementing payment. Alternatively, the functions of these servers may be provided in the terminal location information management server 4.

  Below, the method of the present invention for making a payment using the payment system 1 will be described.

  The purchase terminal 2 possessed by the purchase entity 6 acquires its own location information periodically (for example, every few seconds) using the location information acquisition unit 2-2, and the acquired location information is transmitted to the communication unit 2-1. And registered in the terminal location information management server 4 via the network 5. The location information of the sales terminal 3 is also registered in the terminal location information management server 4 via the network 5. The position information of the sales terminal 3 may be fixedly registered in advance in the terminal position information management server 4 or may be periodically acquired and updated in the same manner as described above. That is, for example, if the terminal is fixedly installed in a store or the like, the terminal is registered in advance in the system, and if the terminal is used for mobile sales or the like, the position information is periodically acquired and updated. Further, the location information of the purchase terminal 2 and the sales terminal 3 may be manually updated.

  Here, the information transmitted to and registered in the terminal location information management server 4 includes at least terminal identification information and its location information (for example, longitude / latitude information). Furthermore, information on the owner of the terminal may be included. Further, the terminal position information management server 4 may update the received position information each time, or may accumulate it for a predetermined period, for example.

  A flowchart of the settlement procedure according to the embodiment of the present invention is shown in FIG. For example, when the purchase entity 6 possessing the purchase terminal 2 requests a settlement procedure when purchasing an article, the sale entity 7 uses the sale terminal 3 to identify the purchase terminal 2 possessed by the purchase entity 6 via the network 5. The terminal location information management server 4 is inquired (A1). This inquiry request includes at least identification information of the sales terminal 3. The terminal location information management server 4 refers to information management means (for example, a database) in the terminal location information management server 4, extracts the location information of the sales terminal 3 from the identification information of the sales terminal 3, and uses this as a key. The purchase terminal 2 located at the same position as the sales terminal 3 or within a predetermined proximity range (for example, within 2 m) is specified (A2). Thereafter, a settlement process is performed using the settlement means 2-3 of the identified purchase terminal 2 (A3), and the procedure ends.

  Several specific examples according to the present invention will be described below.

  FIG. 4 shows a configuration diagram of the payment system 10 when the purchase subject 60 makes a payment in the store 90 using the mobile phone 20 equipped with a GPS receiver as a purchase terminal. The cellular phone 20 periodically and automatically acquires position information by GPS, and the acquired position information is registered in the position information management server 40 through the network 50 as needed. The sales terminal in the store 90 is the POS system 30, and the position information of the POS system 30 is registered in the position information management server 40 via the network 50 in advance. The payment method is a credit card, and the system 10 further supports correspondence between the terminal identification information of the mobile phone 20 and credit card information (card company, card number, name of the holder, expiration date, and optionally a digit code, limit amount, etc.) A server (hereinafter referred to as an information correspondence management server) 80 is provided. It should be noted that the registration information of the information correspondence management server 80 is provided at the time of service application according to the present invention and registered in the information correspondence management server 80, and the user can change it as appropriate.

  Consider a settlement procedure in the case where a purchasing entity 60 has a mobile phone 20 and brings a purchased item to the POS system 30. The sales entity 70 operates the POS system 30 to calculate the purchase item price, and inquires the terminal location information management server 40 via the network 50 in order to identify the mobile phone 20 possessed by the purchase entity 60. The terminal location information management server 40 identifies the mobile phone 20 at the same location as the POS system 30 using the location information of the POS system 30 registered in the internal information management means (for example, database) as a key, and The terminal information of the telephone 20 is returned to the POS system 30. The POS system 30 uses the acquired terminal information to query the information correspondence management server 80 for correspondence information between the terminal information and the credit card. Thereafter, the POS system 30 makes a credit card settlement for the specified credit card, and the procedure ends.

  FIG. 5 shows a configuration diagram of the payment system 100 when the electronic money 200-3 is used as a payment means in the store 900. The configuration of the payment system 100 is substantially the same as that of FIG. 4 except that the payment means is electronic money 200-3 and a payment server 800 is provided instead of the information correspondence management server 80 of the first embodiment. As in the first embodiment, the location information of the mobile phone 200 and the POS system 300 is registered in the location information management server 400 via the network 500.

  Consider a settlement procedure when a purchasing entity 600 carries a mobile phone 200 and brings a purchased item to the POS system 300. In this embodiment, the processing up to the POS system 300 inquiring of the terminal location information management server 400 and specifying the mobile phone 200 in the same position as the POS system 300 is the same as that of the first embodiment. The POS system 30 requests payment from the payment server 800 using the acquired terminal information. Thereafter, the settlement server 800 settles the purchase goods price from the electronic money 200-3 of the mobile phone 200, and the procedure ends. In this case, it is assumed that the user has previously made a procedure such as depositing with respect to the settlement server 800, but since the electronic money itself is a known technique, the description thereof is omitted.

  In each of the above embodiments, the POS system settlement is not performed, but the information correspondence management server 80 (or settlement server 800) performs the settlement directly in cooperation with the terminal location information management server 40 (or 400), and settlement It may be configured to return only the completion of the process to the POS system 30 (or 300).

  In each of the above embodiments, the POS system 30 (or 300) can be a vending machine. In this embodiment, the vending machine autonomously inquires and makes an inquiry when the merchandise button is pressed without the sales entity 70 (or 700) operating the sales terminal 30 (or 300) to perform inquiry and settlement. Make a payment.

  Contrary to the above embodiments, the mobile phone 20 (or 200) may be able to make a settlement by referring to the position information of the POS system 30 (or 300) or the vending machine. In this embodiment, the mobile phone 20 (or 200) sends the POS system 30 to the terminal location information management server 40 (or 400) in order to specify the location information of the POS system 30 (or 300) or the vending machine. (Or 300) or the location information of the vending machine is inquired, and the terminal location information management server 40 (or 400) of the mobile phone 20 (or 200) registered in the internal information management means (for example, database) Credit card registered in mobile phone 20 (or 200) by specifying location information of POS system 30 (or 300) or vending machine in the same location as mobile phone 20 (or 200) using location information as a key Alternatively, payment can be made to the POS system 30 (or 300) or the vending machine using the electronic money information. By using this embodiment, in order to use the payment system of the present invention, it is possible to make a payment with electronic money or a credit card without changing the configuration of an existing POS system or a vending machine.

  The present invention can be generally used in the communication industry and the distribution industry.

DESCRIPTION OF SYMBOLS 1, 10, 100 Payment system 2 Purchase terminal 2-1 Communication means 2-2 Position information acquisition means 2-3 Payment means 3 Sales terminal 4, 40, 400 Terminal position information management server 5, 50, 500 Network 6, 60, 600 Purchase entity 7, 70, 700 Sales entity 20, 200 Mobile phone 30, 300 POS system 80 Information correspondence management server 90, 900 Store 200-3 Electronic money 800 Payment server

Claims (6)

  In a payment system for performing a payment process via a network between a purchase terminal and a sales terminal, the system communicates via the network from one or more of the purchase terminals, and A terminal location information management server that manages the location information of the sales terminal, and the terminal location information management server is at the same location as the sales terminal or purchase terminal or within a predetermined proximity range according to a request from the sales terminal or purchase terminal; A system is characterized in that a purchase terminal or a sales terminal is specified, and a settlement process is performed between the sales terminal and the purchase terminal specified here.   The system according to claim 1, wherein the purchase terminal includes position information acquisition means for acquiring information on a current position of the purchase terminal.   The system according to claim 1, wherein the system includes a settlement unit for performing the settlement process, and the settlement unit performs the settlement process in response to a request from the sales terminal or the purchase terminal. system.   4. The system according to claim 3, wherein the settlement unit is a credit card settlement unit or an electronic money settlement unit.   In the method for performing payment processing via the network using the location information of the purchase terminal and the sales terminal registered in the terminal location information management server, the terminal location information management server includes the sales terminal and the purchase terminal. A step of acquiring and storing location information, and a purchase terminal or sale in which the terminal location information management server is at the same location or within a predetermined proximity range with the sale terminal or purchase terminal according to the request of the sale terminal or purchase terminal A method comprising: identifying a terminal; and performing a settlement process between the identified sales terminal and purchase terminal.   6. The method according to claim 5, further comprising the step of periodically acquiring the position information by the position information acquiring means in the terminal and transmitting the position information to the terminal position information management server. Method.

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