JP2016218861A - Payment propriety determination system, portable terminal, device, and program thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that when a child purchases merchandise by a portable terminal with a payment function which can be limited under a payment condition that his or her parent preliminarily sets, and cannot determine payment propriety under the set payment condition, the child cannot purchase the merchandise at a store, and needs to ask his or her parent to change the payment condition later.SOLUTION: A first portable terminal 10 that a child carries is configured to, in accordance with a condition list 16A related to payment preliminarily set by his or her parent and stored in a data storage part 16 with respect to merchandise that the child is planning to purchase, determine the payment propriety of the merchandise that the child is planning to purchase, and to, when the payment propriety is not determinable, transmit purchase information to a second portable terminal 20 that his or her parent carries, and to request the determination of the payment propriety. The second portable terminal 20 is configured to display the received purchase information, and to determine the payment propriety by allowing the parent to confirm and operate the purchase information, and to transmit a signal related to the payment propriety to the first portable terminal 10. The first portable terminal 10 that has received the signal related to the payment propriety determines the payment propriety in accordance with the signal.SELECTED DRAWING: Figure 4

Description

  The present invention relates to a system, a mobile terminal, a device, and a program for the same, in which two mobile terminals communicate with each other and determine whether to pay for product purchases from one mobile terminal to the other mobile terminal. .

  With a mobile terminal that integrates a mobile phone with electronic money and credit functions, it is possible to make electronic payments in which beverages can be purchased simply by holding them over a reader / writer of a beverage vending machine, as well as by telephone or email. It is becoming. In such a portable terminal, near field communication technologies (NFC), which is non-contact communication within 10 cm with a reader / writer, is used. In addition, since confidential information such as electronic money information and credit information is handled, information management is performed using a secure element built in the portable terminal.

  When a child carries a mobile terminal with a payment function, the child can easily pay by simply holding the mobile terminal over the reader / writer of a vending machine or a POS terminal reader / writer installed in a convenience store. The mobile devices carried by can be used up to the full amount of pre-charged electronic money balance (value) and the credit card limit added to the credit function, and when, where and how much money is used It is difficult for parents to understand, and only when a child wants to spend money or receives a credit card invoice when the value of electronic money is insufficient. I often knew what I did.

  For example, Patent Literature 1 and Patent Literature 2 have already been disclosed as inventions that limit the amount of money that can be used for the value of electronic money in a mobile terminal with a payment function. In the invention disclosed in Patent Document 1, a usage limit amount of electronic money value, a usable area, and a usable time zone are registered in advance in the card server as usage conditions from a portable terminal carried by the parent. Thus, the mobile phone carried by the child is a system that can make payment according to the usage conditions in the card server at the time of payment by electronic money and can limit the use of the value of electronic money.

  In the invention disclosed in Patent Document 2, a parent and a child share one mobile terminal, and the usage amount limit of the value of electronic money can be set for each login ID for the mobile terminal. For example, when the parent login ID is used, there is no limit on the amount of use of electronic money value, and a function for setting / changing the usage amount of other login IDs can be used. Is a system in which payment can be restricted by the amount of use limit of the value of electronic money set by the previous parent's login.

International Publication No. 2013/073520 Specification JP 2001-243382 A

  However, in the systems described in Patent Documents 1 and 2 above, when a child wants to purchase changes and does not satisfy the set payment terms, the child cannot purchase at the store and the child reappears, not the store. At home, etc., it is necessary to explain to the parent what they want to purchase and obtain permission before changing the payment terms. Then when you need a child, you can't buy what you need.

  Therefore, the present invention is intended for users who carry a portable terminal, and if the item to be purchased changes and it is not possible to determine whether payment is possible under the set payment terms, the payment from the portable terminal to the device handled by the user's guardian, etc. An object is to inquire about availability, and to allow a user to perform payment processing in accordance with a decision on whether payment is possible by a guardian or the like.

  The system, portable terminal, device, and program thereof according to the present invention solve the above-described problems by the following inventions. In addition, although the code | symbol in the parenthesis attached | subjected for reference to each following invention respond | corresponds with the code | symbol attached to embodiment and drawing which are mentioned later, this invention is not limited to embodiment.

The first invention related to the present invention is:
A first portable terminal (10) that stores (16) a condition (16A) relating to payment and determines whether payment is possible based on the condition;
A second communication terminal (20) for communicating with the first portable terminal (10),
The first mobile terminal (10) determines whether or not to pay for the purchase target subject to which purchase information has been input with reference to the condition (16A). (13) to send a signal to the mobile terminal (2) of 2 for determining whether payment is possible,
In response to the signal received (23) from the first portable terminal (10), the second portable terminal (20) operates the second portable terminal (20) to issue an instruction for payment. Send (23) a signal regarding availability to the first portable terminal (10);
The first portable terminal (10) is a system that determines whether or not payment is possible according to a signal relating to whether or not the payment is received (13) from the second portable terminal (20). .

  According to the system of the first invention, for example, the first portable terminal (10) carried by the user is, for example, the user inside the first portable terminal (10) for the product that the user plans to purchase. In accordance with the payment condition (16A) set and memorized (16) by the supervisor in advance, it is determined whether or not the item to be purchased can be paid, and the payment condition (16A) cannot be determined. The purchase information is transmitted (13) to the second portable terminal (20) carried by the supervisor, and a request for payment is made. The second mobile terminal (20) presents the purchase information received (23) from the first mobile terminal (10), and the guardian confirms the purchase information and operates the second mobile terminal (20). Judge whether payment is possible. The second portable terminal (20) transmits (23) a signal relating to whether payment is possible or not (13) to the first portable terminal (10), The payment is determined according to the signal.

  Therefore, if the user who carries the first portable terminal (10) changes what he wants to purchase, and the payment terms (16A) set cannot determine whether payment is possible, the first portable terminal (10) The second mobile terminal (20) handled by the user's guardian or the like is inquired about whether or not payment is possible, and the user can perform payment processing according to the payment permission / prohibition determination of the guardian or the like.

In addition, it is possible to reflect the intention of the guardian with respect to the user's purchase of goods, and in the second portable terminal (20) carried by the guardian even in a condition not set in the condition (16A) regarding payment. Since whether or not payment is possible is determined by the first portable terminal (10) according to whether or not the purchase is determined by the operation, the intention of the supervisor can be reflected in the user's purchase of the product.
The second invention related to the present invention is:
A first portable terminal (10);
A second communication terminal (20) for storing (26) a condition (26A) relating to payment and communicating with the first portable terminal (10);
The first portable terminal (10) transmits (13) a signal for requesting the second portable terminal (20) to determine whether payment is possible or not for the purchase schedule target that has received the purchase information.
The second portable terminal (20) transmits a signal relating to whether payment is possible or not, determined with reference to the condition (26A), in accordance with the signal received (23) from the first portable terminal (10). When the signal is transmitted (23) to the first portable terminal (10) and cannot be determined by the condition (26A), a signal relating to whether payment is instructed by operating the second portable terminal (20) Send (23) to the first mobile terminal (10),
The first portable terminal (10) is a system that determines whether or not payment is possible according to a signal relating to whether or not the payment is received (13) from the second portable terminal (20). .

  According to the system of the second invention, for example, the first portable terminal (10) carried by the user purchases the product input by the user into the first portable terminal (10) for the product scheduled for purchase by the user. The information is transmitted (13) to the second portable terminal (20) carried by the user's guardian, for example. The second portable terminal (20) is configured so that the first portable terminal (10) corresponds to the payment condition (26A) set and stored in advance by the supervisor in the second portable terminal (20). From the purchase information received from (23), whether payment is possible is determined, and a signal relating to payment availability is transmitted (23) to the first portable terminal (10) carried by the user. If the payment condition (26A) cannot be determined, the second mobile terminal (20) presents purchase information, the purchaser confirms the purchase information, and the second mobile terminal (20) determines whether payment is possible. A signal relating to whether payment is instructed by the operation is transmitted (23) to the first portable terminal (10) carried by the user. The first portable terminal (10) that has received (13) the signal regarding whether payment is possible determines whether payment is possible according to the signal.

  Therefore, the user who carries the first mobile terminal (10) inquires whether or not payment is possible from the first mobile terminal (10) to the second mobile terminal (20) handled by the user's supervisor or the like. Changes, and if it is not possible to determine whether payment is possible under the set payment conditions (26A), the user can perform payment processing in accordance with whether or not payment is possible by a supervisor or the like.

  Moreover, since the purchase of goods in the first portable terminal (10) carried by the user is determined as to whether payment is possible or not in accordance with the determination of whether payment is possible using the second portable terminal (20) carried by the supervisor, the user The intention of the supervisor can be reflected in the purchase of goods.

The third invention related to the present invention is:
A first portable terminal (10);
A server (30) for storing (36) a condition (36A) relating to payment and communicating with the first portable terminal (10);
A second portable terminal (20) communicating with the server (30),
The first portable terminal (10) transmits (13) a signal for requesting the server (30) to determine whether or not payment is possible for the purchase schedule target that has received the purchase information.
In response to the signal received (33) from the first portable terminal (10), the server (30) transmits a signal relating to whether or not payment is possible with reference to the condition (36A). When it is transmitted (33) to the terminal (10) and cannot be determined by the condition (36A), a signal for determining whether payment is possible is transmitted (33) to the second portable terminal (20),
In response to the signal received (23) from the server (30), the second portable terminal (20) operates the second portable terminal (20) to indicate a signal regarding whether payment is possible. Send (23) to the server (30),
The server (30) transmits (33) a signal relating to the availability of the payment received (33) from the second portable terminal (20) to the first portable terminal (10),
The first portable terminal (10) is a system that determines whether or not payment is possible according to a signal relating to whether or not the payment is received (13) from the server (30).

  According to the system of the third invention, for example, the first portable terminal (10) carried by the user transmits (13) purchase information to the server (30) for the product that the user plans to purchase. . The server (30) receives (33) from the first portable terminal (10) in accordance with the payment condition (36A) set in advance and stored (36) by the user's supervisor in the server (30), for example. Whether or not payment is possible is determined from the purchased information, and a signal relating to whether or not payment is possible is transmitted (33) to the first portable terminal (10) carried by the user. If it is not possible to determine whether or not payment is possible based on the payment condition (36A), the purchase information is transmitted (33) to the second portable terminal (20) carried by the supervisor. The second portable terminal (20) carried by the guard receives the purchase information from the server (30) (23), presents the purchase information, and the purchase information is confirmed by the guard, and the second portable terminal ( In step 20), a signal relating to whether payment is instructed or not is sent to the server (30) (23). The server (30) transmits (33) a signal relating to whether payment is received (33) from the second portable terminal (20) to the first portable terminal (10) carried by the user. The first portable terminal (10) that has received (13) whether payment is possible determines whether payment is possible according to the signal.

  Therefore, the user carrying the first portable terminal (10) inquires of the server (30) whether or not payment is possible from the first portable terminal (10), the item to be purchased changes, and the set payment condition (36A ) Cannot determine whether payment is possible or not, the server (30) inquires of the second mobile terminal (20) handled by the user's guardian, etc. whether the payment is possible, and the user determines whether payment is possible by the guardian, etc. Can perform payment processing.

  In addition, the purchase of the product in the first portable terminal (10) carried by the user is the condition (36A) relating to the payment previously set and stored by the supervisor in the server (30) or the second portable terminal carried by the supervisor. In (20), whether payment is possible or not is determined according to whether payment is possible or not, so that the intention of the supervisor can be reflected in the purchase of the product by the user.

  According to a fourth aspect of the present invention, among the above conditions (16A, 26A, 36A), the conditions that allow payment are the range of the amount that can be paid for the item to be purchased, the first mobile terminal ( 10) and a range of a distance between the second mobile terminal (20), an area of a position where the first mobile terminal (10) exists, and a time range where purchase is possible is included. A system according to any one of the first to third aspects of the invention.

  According to the system of the fourth aspect of the invention, for example, for a product that the user plans to purchase on the first portable terminal (10) carried by the user, for example, the user's guardian determines the condition (16A, 26A, 36A), as a condition for allowing payment, for the purchase target item indicating the item to which the product name belongs, the range of the amount to be paid, the first portable terminal (10) and the second portable terminal ( 20), a range of the distance between the two, a region where the first portable terminal (10) exists, and a time range where the purchase is allowed can be set.

  Therefore, the supervisor sets the purchase target item that can be purchased by the user, sets the range of the amount that can be paid, and the distance between the first portable terminal (10) and the second portable terminal (20) that can be purchased. Any one or more of a range setting, a location area where the first portable terminal (10) which can be purchased exists, and a time range setting where purchase is possible can be set. Since it is determined whether or not payment is possible according to the conditions that allow payment, the intention of the supervisor can be reflected in the purchase of the product by the user.

  According to a fifth aspect of the present invention, among the conditions (16A, 26A, 36A), the condition that payment is not possible is the lower limit of the amount that payment is not allowed for the purchase target item, the first portable terminal Any one or more of a lower limit value of the distance between (10) and the second portable terminal (20), an area of a position where the first portable terminal (10) exists, and a time range where purchase is not allowed The system according to any one of the first to fourth inventions, comprising:

  According to the system of the fifth aspect of the invention, for example, for a product that the user plans to purchase at the first portable terminal (10) carried by the user, for example, the guardian of the user can select the condition (16A, 26A). 36A), as a condition for making payment impossible, for the purchase target item indicating the item to which the product name belongs, the lower limit value of the amount to be made non-payable, the first mobile terminal (10) and the second mobile phone Any one or more of a lower limit value of the distance between the terminals (20), an area of the position where the first portable terminal (10) exists, and a time range where purchase is not allowed can be set.

  Therefore, the supervisor sets the purchase target item that the user cannot purchase, sets the lower limit of the amount that cannot be paid, and the first portable terminal (10) and the second portable terminal (20) that cannot be purchased. ), A setting of a region where the first mobile terminal (10) where the first mobile terminal (10) exists, and a setting of a time range where the purchase cannot be made can be set. Therefore, since the decision as to whether payment is possible or not according to the condition for disabling payment by the setting of the supervisor is made, the intention of the supervisor can be reflected in the purchase of the product by the user.

According to a sixth aspect of the present invention, the first mobile terminal (10) has a shortage of balance stored in the first mobile terminal (10) with respect to the payment request amount from the settlement terminal (60). In this case, a signal requesting addition of the amount of money is sent (13) to the second portable terminal (20),
In response to the signal received (23) from the first portable terminal (10), the second portable terminal (20) operates the second portable terminal (20) to obtain the indicated amount. Send (23) to the first mobile terminal (10),
The first portable terminal (10) has a function of adding the amount to the balance according to the signal received (13) from the second portable terminal (20). A system according to any one of the fifth inventions.

  According to the system of the sixth invention, for example, the first portable terminal (10) carried by the user with respect to the payment request amount from the payment terminal (60) corresponding to the product that the user plans to purchase is For example, when the balance of electronic money stored inside is insufficient, for example, a signal requesting addition of money to the balance of electronic money is transmitted to the second portable terminal (20) carried by the user's supervisor (13 ) The second portable terminal (20) displays the signal received (23) from the first portable terminal (10), the amount of electronic money is confirmed by the guardian, and the amount of electronic money instructed by the guardian Is transmitted (23) to the first portable terminal (10) carried by the user. By adding the amount of electronic money received (13) from the second portable terminal (20), the first portable terminal (10) allows the user to purchase a product.

  Therefore, the guardian can understand how much money the user needs for electronic money, and what kind of merchandise the user is trying to purchase, and can reflect the intention of the guardian to the user's merchandise purchase.

According to a seventh aspect of the present invention, the first portable terminal (10) is configured such that the first portable terminal (10) corresponds to a payment amount desired by an operator of the first portable terminal (10). When the balance to be stored is insufficient, a signal requesting addition of the amount is sent to the second portable terminal (20) (13),
In response to the signal received (23) from the first portable terminal (10), the second portable terminal (20) operates the second portable terminal (20) to obtain the indicated amount. Send (23) to the first mobile terminal (10),
The first portable terminal (10) has a function of adding the amount to the balance according to the signal received (13) from the second portable terminal (20). A system according to any one of the fifth inventions.

  According to the system of the seventh invention, for example, when the purchase information is input to the first portable terminal (10) carried by the user according to the product that the user plans to purchase, the first portable terminal (10 ) Transmits (13) a signal for requesting addition of the amount of electronic money to the second portable terminal (20) carried by, for example, the user's guardian when the balance of the electronic money stored therein is insufficient, for example. . The second portable terminal (20) displays the signal received (23) from the first portable terminal (10), the amount of electronic money is confirmed by the guardian, and the amount of electronic money instructed by the guardian Is transmitted (23) to the first portable terminal (10) carried by the user. By adding the amount of electronic money received (13) from the second portable terminal (20), the first portable terminal (10) allows the user to purchase a product.

  Therefore, the guardian can understand how much money the user needs for electronic money, and what kind of merchandise the user is trying to purchase, and can reflect the intention of the guardian to the user's merchandise purchase.

According to an eighth aspect of the present invention, the second portable terminal (20) presents an option for selecting whether payment is possible, payment is always possible, or payment is not possible for an operation for instructing whether payment is possible. If payment is always selected by operating the second mobile terminal (20), the condition (16A) is a condition for allowing payment of information related to a purchase target subject to which a determination of availability is required. Give instructions to add
An apparatus for storing the condition (16A, 26A, 36A) and determining whether payment is possible adds the information to the condition (16A, 26A, 36A) according to the instruction. A system according to any one of the seventh inventions.

  According to the system of the eighth invention, for example, the second portable terminal (20) carried by the user's guardian can pay only this time, always payable, or not payable for an operation to instruct whether payment is possible. If any of them is presented to be selectable and payment is always selected by an operation, an instruction is given to add a condition for allowing payment as information related to the purchase schedule target to the conditions for payment (16A, 26A, 36A). The apparatus that stores the payment-related conditions (16A, 26A, 36A) and determines whether payment is possible adds a condition for allowing payment as information related to the purchase schedule target to the payment-related conditions (16A, 26A, 36A). Thereafter, the condition for allowing payment is updated, and the user can purchase the product.

  Therefore, the supervisor can easily update the conditions that allow the user to pay the payment-related conditions (16A, 26A, 36A) according to the change in the item purchase without any editing operation. Can reflect the intent of the supervisor.

The ninth invention related to the present invention is:
Storage means (16) for storing conditions (16A) relating to payment;
A first payment determining means (11) for determining whether or not payment is possible with reference to the condition (16A) for the purchase target;
A transmitting means (13) for transmitting a signal for requesting the external device (20) to determine whether payment is possible or not when the first payment determining means (11) cannot determine whether payment is possible according to the condition (16A); ,
Receiving means (13) for receiving a signal relating to whether payment is received from the external device (20);
Second payment determination means (11) for determining whether payment is possible or not in response to a signal relating to whether payment is received received by the reception means (13);
It is a portable terminal (10) characterized by providing.

  According to the mobile terminal (10) of the ninth invention, for example, the mobile terminal (10) carried by the user can use the condition (16A) related to the payment stored in the storage means (16) for the product scheduled to be purchased. ), The first payment determination means (11) determines whether or not payment is possible from the purchase information of the product scheduled to be purchased, and if it cannot be determined by the payment condition (16A), for example, the user's supervisor In order to determine whether payment is possible to an external device (20) such as a portable terminal or a personal computer that can be operated by the user, a signal of purchase information is transmitted by the transmission means (13) and received from the external device (20). ), The portable terminal (10) determines whether payment is possible by the second payment determination means (11).

  Therefore, when the user who carries the portable terminal (10) changes what he / she wants to purchase and it is not possible to determine whether or not the payment can be made with the set payment terms (16A), the user's guardian or the like from the portable terminal (10). Inquires about whether or not payment is possible to the external device (20) handled by the user, and returns to the portable terminal (10) carried by the user the judgment of whether or not payment is instructed by an operation of whether or not payment is possible on the external device (20). The user can perform payment processing in accordance with the determination as to whether payment is possible.

  In addition, it is possible to reflect the intention of the guardian with respect to the user's product purchase, and further, it is determined by an operation on the external device (20) handled by the guardian even in a condition not set in the condition (16A) regarding payment. Since whether or not payment is possible is determined by the mobile terminal (10) depending on whether or not the purchase is possible, the intention of the supervisor can be reflected in the user's purchase of the product.

  According to a tenth aspect of the present invention, the external device (20) operates the external device (20) in response to a signal received from the portable terminal (10) for determining whether payment is possible. The portable terminal (10) according to the ninth aspect of the invention is characterized in that a signal relating to whether payment is instructed or not is transmitted to the portable terminal (10).

  According to the portable terminal (10) of the tenth invention, when the external device (20) receives a signal of purchase information to be purchased from the portable terminal (10) carried by the user, for example, the external device (20). Is transmitted to the portable terminal (10) regarding whether or not payment is instructed.

  Accordingly, whether or not payment is possible is determined by the mobile terminal (10) according to whether or not the purchase is determined by the operation on the external device (20) used by the supervisor for the user's product purchase. The intention of the guardian can be reflected.

The eleventh invention related to the present invention is:
Storage means (16) for storing conditions (16A) relating to payment;
A payment determination means (11) for determining whether or not payment is possible with reference to the condition (16A) for the planned purchase target;
A transmission means (13) for transmitting a signal for requesting the external device (20) to determine whether payment is possible or not when the payment determination means (11) cannot determine whether payment is possible according to the condition (16A);
Receiving means (13) for receiving a signal relating to whether payment is received from the external device (20);
When the receiving means (13) always receives payment as a signal relating to whether payment is possible or not, the storage means (16) is allowed to pay information related to the purchase target in the condition (16A). Condition update means (11) to be added as a condition;
It is a portable terminal (10) characterized by providing.

  According to the portable terminal (10) of the eleventh invention, for example, the portable terminal (10) carried by the user relates to the payment stored in the storage means (16) for the purchase information of the product scheduled to be purchased. In accordance with the condition (16A), the payment determining means (11) determines whether or not the product scheduled to be purchased at the portable terminal (10) can be paid. If the payment condition (16A) cannot be determined, the mobile terminal (10) is purchased to determine whether payment is possible to an external device (20) such as a mobile terminal or a personal computer that can be operated by the user's supervisor. An information signal is transmitted by the transmission means (13). The portable terminal (10) sets the condition that the purchase information can be paid by the condition update means (11) when the signal regarding whether payment is received from the external device (20) by the receiving means (13) is always payable. By adding to the condition (16A) relating to payment stored in the data storage unit (16), the user can subsequently purchase a product according to the updated condition for allowing payment.

  Therefore, when the user who carries the portable terminal (10) changes what he / she wants to purchase and it is not possible to determine whether or not the payment can be made with the set payment terms (16A), the user's guardian, etc. The external device (20) handled by the user can be inquired about whether payment is possible, and the user can perform payment processing in accordance with whether the supervisor or the like can make payment.

  In addition, the guardian can easily update the condition that the user can pay for the payment condition (16A) according to the change of the purchased item, without performing the editing operation, The intention can be reflected.

The twelfth invention related to the present invention is:
Storage means (26) for storing conditions (26A) relating to payment;
Receiving means (23) for receiving information related to the purchase target from the portable terminal (10);
A payment determination means (21) for determining whether or not payment is possible with reference to the condition (26A) for the information on the purchase target received from the mobile terminal (10);
Display means (27) for displaying whether payment is possible or not when the payment determination means (21) cannot determine whether payment is possible according to the condition (26A);
An input means (27) for selectively inputting whether or not the payment is displayed by the display means (27);
When payment is always selected by the operation of the input means (27), the storage means (26) is added to the condition (26A) as a condition for making payment possible for the purchase target. Condition updating means (21);
A device (20) comprising:

  According to the device (20) of the twelfth aspect of the invention, for example, a device (20) such as a portable terminal or a personal computer that can be operated by the user's supervisor is scheduled to be purchased from the portable terminal (10) carried by the user, for example. The receiving means (23) receives the purchase information of the merchandise being sold, and the payment determining means (21) determines whether payment is possible or not according to the payment condition (26A) stored in the storage means (26). . If the payment condition (26A) cannot be determined, the device (20) displays the purchase information and payment availability on the display means (27). The apparatus (20) is purchased by the condition updating means (21) when the purchase information is confirmed by the supervisor and the payment acceptability signal instructed by the input operation (27) is always accepted. By adding the condition for allowing payment of information to the condition (26A) relating to payment stored in the data storage unit (26), the user can purchase products according to the updated condition for allowing payment. become.

  Accordingly, the user carrying the mobile terminal (10) inquires about whether payment is possible from the mobile terminal (10) to the device (20) handled by the user's guardian, etc., and what he wants to purchase changes, and the set payment terms ( If it is not possible to determine whether or not payment is possible in 26A), the user can perform payment processing in accordance with the determination of whether or not payment is possible by a supervisor or the like.

  Further, since the purchase of the product in the portable terminal (10) carried by the user is determined by the device (20) handled by the guardian according to the determination of whether or not payment is possible, the guardian against the user's product purchase. Can be reflected.

A thirteenth aspect of the present invention is:
Storage means (36) for storing conditions (36A) relating to payment;
First receiving means (33) for receiving information related to the purchase schedule target from the portable terminal (10);
First payment determination means (31) for determining whether or not payment is possible with reference to the condition (36A) for the information on the purchase schedule object received from the first reception means (33);
A transmission means (33) for transmitting a signal for requesting the external device (20) to determine whether payment is possible or not when the first payment determination means (31) cannot determine whether payment is possible according to the condition (36A); ,
Second receiving means (33) for receiving a signal relating to whether payment is received from the external device (20);
Second payment determination means (31) for determining whether payment is possible or not in accordance with a signal relating to whether payment is received received from the second reception means (33);
When payment is always received as a signal relating to whether payment is possible by the second receiving means (33), information relating to the purchase target is paid to the storage means (36) in the condition (36A). Condition update means (31) to be added as a permitted condition;
It is an apparatus (30) characterized by comprising.

  According to the device (30) of the thirteenth invention, the device (30) such as a server, for example, sends a purchase information signal of a product scheduled to be purchased from a portable terminal (10) carried by the user, for example. In accordance with the condition (36A) relating to payment received by the receiving means (33) and stored in the storage means (36), the first payment determining means (31) determines whether payment is possible from the purchase information. If the device (30) cannot determine the payment condition (36A), for example, the device (30) transmits a purchase information signal to the external device (20) such as a portable terminal or a personal computer that can be operated by the user's supervisor. The second payment determining means (31) determines whether payment is possible or not in accordance with the signal relating to whether payment is possible received from the external device (20) by the second receiving means (33). When the payment permission signal is always payable, the device (30) adds the condition for making the purchase information payable by the condition update means (31) to the condition (36A) related to payment stored in the storage means (36). Thus, after that, the user can purchase products according to the updated conditions for payment.

  Therefore, the user carrying the mobile terminal (10) inquires about whether or not payment is possible from the mobile terminal (10) to the device (30), and what he wants to purchase changes, and whether or not payment can be made according to the set payment conditions (36A). If it cannot be determined, the device (30) can inquire whether the payment can be made to the external device (20) handled by the user's guardian or the like, and the user can perform the payment process according to the payment determination of the guardian or the like.

  In addition, the purchase of the product in the portable terminal (10) carried by the user can be paid to the condition (36A) relating to the payment set and stored in advance by the supervisor in the device (30) or to the external device (20) handled by the supervisor. Since whether payment is possible or not is determined according to the judgment, the intention of the supervisor can be reflected in the user's purchase of the product.

  According to a fourteenth aspect of the present invention, the external device (20) operates the external device (20) in response to a signal for determining whether or not the payment is possible. Is transmitted to the apparatus (30). The apparatus (30) according to the thirteenth aspect of the present invention.

  According to the device (30) of the fourteenth aspect of the invention, the external device (20) is instructed by operating the external device (20) by, for example, a user's guardian in response to a signal for determining whether payment is possible. A signal relating to whether payment is possible is transmitted to the portable terminal (10).

  Accordingly, whether or not payment is possible is determined by the mobile terminal (10) according to whether or not the purchase is determined by the operation on the external device (20) used by the supervisor for the user's product purchase. The intention of the guardian can be reflected.

A fifteenth aspect of the present invention is characterized in that two portable terminals function as the first and second portable terminals in the system according to any one of the first to eighth aspects of the invention. According to the program of the fifteenth aspect of the invention, the system according to the first to eighth aspects of the invention is realized by installing the program on two portable terminals so as to operate in cooperation with each other. be able to.

  A sixteenth aspect of the present invention is a program characterized by causing two portable terminals and a server to function as the first and second portable terminals and the server in the system described in the third aspect.

  According to the program of the sixteenth invention, the system according to the third invention can be realized by installing the program on the two portable terminals and the server so as to operate in cooperation with each other.

  According to a seventeenth aspect of the present invention, there is provided a program for causing a portable terminal to function as the portable terminal according to any one of the ninth to eleventh aspects.

  According to the program of the seventeenth invention, the portable terminal according to the ninth to eleventh inventions can be realized by installing the program on the portable terminal.

  According to an eighteenth aspect of the present invention, there is provided a program for causing a computer to function as the apparatus according to any one of the twelfth to fourteenth aspects.

  According to the program of the eighteenth invention, the apparatus according to the twelfth to fourteenth inventions can be realized by installing the program in a computer.

  According to the present invention, when a user who carries a mobile terminal changes what he / she wants to purchase and cannot determine whether payment is possible under the set payment conditions, the payment is made from the mobile terminal to a device handled by the user's guardian or the like. The user can inquire about availability, and the user can perform payment processing according to whether the supervisor or the like can pay, thereby improving convenience.

1 is a schematic diagram of a system configuration according to Embodiments 1 and 2. FIG. It is a functional block diagram of the portable terminal 10 shown in FIG. It is a functional block diagram of the portable terminal 20 shown in FIG. FIG. 6 is a payment sequence diagram according to the first and second embodiments. 10 is a display screen of a “payment confirmation application” 170 in the first and third embodiments. 12 is a display screen of “payment management application” 180 in the first and third embodiments. It is an example of the flow which an apparatus judges according to condition list | wrist 16A, 26A, 36A. It is an example showing the condition list | wrist hold | maintained inside a portable terminal. It is an example showing the purchase history hold | maintained inside a portable terminal. It is an example of a display screen of a “condition list editing application” 370 for creating / updating a payable condition list. It is an example of a display screen of a “condition list editing application” 380 that creates / updates a condition list that cannot be paid. It is another example of the payment sequence diagram concerning Embodiment 1 and 2. 12 is an example of a display screen of a “payment confirmation application” 270 in the second embodiment. 14 is an example of a display screen of a “payment management application” 280 in the second embodiment. FIG. 10 is an example of a schematic diagram of a system configuration according to a third embodiment. It is an example showing the function of the server 30 of FIG. FIG. 10 is an example of a payment sequence diagram according to the third embodiment.

Each embodiment of the present invention will be described in detail with reference to the drawings.
(Embodiment 1)
First, the configuration of the first embodiment will be described.

  FIG. 1 is an example of a schematic diagram of a system configuration according to the first embodiment. In FIG. 1, a mobile terminal (first mobile terminal) 10 is a mobile terminal carried mainly by a child as a user, and a mobile terminal (second mobile terminal) 20 is mainly carried by a parent who is a guardian of the child. Mobile terminal. Each of the mobile terminal 10 and the mobile terminal 20 is based on information received from a plurality of GPS (Global Positioning System) satellites 80, and GPS positioning units 15 and 25 inside the mobile terminals 10 and 20, respectively (see FIG. 2 and FIG. 3), the positional information is periodically exchanged using the public line 90, and temporarily stored in the RAMs in the control units 11 and 21, respectively (for example, 1 minute) Exchange location information every time). Note that the mobile terminal 10 and the mobile terminal 20 can communicate with each other via a mobile phone communication network constituting a part of the public telephone network 90 by transmitting radio waves. Note that the public telephone network 90 is transmitted through a communication network such as 3GPP (3rd Generation Partnership Project), 3GPP2, or LTE (Long Term Evolution), and through various wireless LAN (Wireless local IP) networks based on IEEE802.11. A communication network interconnected to the (Internet Protocol) network can be used.

  When paying from the mobile terminal 10, the mobile terminal 10 is held over the NFC-compatible non-contact reader / writer 70 connected to the POS terminal 60 connected to the POS (point of sale) system. Payment is performed by an electronic money application or a credit function application (not shown) using the secure element unit 10 in the network 10.

  FIG. 2 is an example illustrating a functional block diagram of the mobile terminal 10 of FIG. The control unit 11 includes a CPU, a ROM, a RAM, a clock function, an alarm function, and the like, and exchanges commands and data to each unit. In addition, the control unit 11 sets the date and time based on the time information received from the network interface unit 13, and counts the date and time using the clock function. The non-contact communication interface unit 12 operates based on a command from the control unit 11 and performs communication with the non-contact type reader / writer 70 connected to the POS terminal 60.

  The network interface unit 13 operates based on a command from the control unit 11 and communicates with an external device through the public line 90.

  The GPS positioning unit 15 calculates the position (latitude / longitude) on the earth by the control unit 11 based on the information received from the plurality of GPS satellites 80, and holds it in the RAM in the control unit 11 as position information. The position information is transmitted from the network interface unit 13 to the portable terminal 20 through the public line 90 according to an instruction from the control unit 11.

  The secure element unit 14 operates based on a command from the control unit 11 and conceals the payment of payment data such as the balance of electronic money stored in the secure element unit 14, credit function limit amount, payable items, etc. Manage data. The secure element unit 14 is connected to the secure element unit built in the POS terminal 60 or the like through the non-contact communication interface unit 12 or the network interface unit 13 or the secure element built into the settlement server (not shown) via the POS terminal 60. Exchange data with departments. The secure element unit 14 is not directly affected by the operation of the application program without using the control unit 11 that operates an application program that can be added later to the mobile terminal 10 and is directly secured using a network or non-contact communication. The element parts are concealed and exchange data safely.

  The data storage unit 16 is mainly a non-volatile memory such as a flash memory, and stores an OS (Operating System) and an application program (not shown) in addition to the condition list 16A and the purchase history 16B.

  The condition list 16A is a condition related to payment, and is stored in a list format in the data storage unit 16 of the mobile terminal 10 in the first embodiment. Details of the condition list 16A and the purchase history 16B will be described later with reference to the drawings.

  The display / input unit 17 is a touch panel type display of the mobile terminal 10, and has a display unit using a panel such as a liquid crystal and an input unit using an electrostatic touch sensor and the like. Input means such as letters, numbers, line drawings, etc. using a touch pen.

  FIG. 3 is an example showing functions of the mobile terminal 20 of FIG. Since the control unit 21, the network interface unit 23, the secure element unit 24, the GPS positioning unit 25, and the display / input unit 27 operate in the same manner as the components having the same names of the mobile terminal 10, description thereof is omitted here. .

  The position information obtained by the GPS positioning unit 25 is held in the RAM in the control unit 21, and this position information is transmitted from the network interface unit 23 to the portable terminal 10 through the public line 90 according to an instruction from the control unit 21.

  The data storage unit 26 is mainly a non-volatile memory such as a flash memory, and the condition list 26A is temporarily held. The condition list 26A can be edited by adding / modifying / deleting each condition by operating the display / input unit 27 using a condition list editing application described later. The data is transmitted from the unit 23 to the mobile terminal 10 through the public line 90. The condition list 26 </ b> A only needs to be temporarily stored in the data storage unit 26, and may be deleted from the data storage unit 26 after editing and transmission to the mobile terminal 10. The editing of the condition list 26A will be described later.

  FIG. 4 is an example of a payment sequence diagram according to the first embodiment. FIG. 5 is an example of a display screen of the “payment confirmation application” 170 in the first embodiment. FIG. 6 is an example of a display screen of the “payment management application” 180 according to the first embodiment. Hereinafter, the flow will be described with reference to FIGS.

  The data storage unit 16 of the mobile terminal 10 stores an OS and application programs that run on the mobile terminal 10 (not shown), and the parent stores the payment confirmation application 170 on the mobile terminal 10 carried by the child. To install. The payment confirmation application 170 is an application program that is executed on the OS that runs on the mobile terminal 10 that confirms whether the item, amount, etc. of the product that the child intends to purchase the product matches with the payment conditions.

  The control unit 11 of the mobile terminal 10 loads the payment confirmation application 170 into the RAM in the control unit 11 and executes it as an application program.

  The child operates the mobile terminal 10 to activate the payment confirmation application 170 in order to check whether or not the product to be purchased can be paid using the electronic money or credit function of the mobile terminal 10.

  Alternatively, when the child holds the portable terminal 10 over the non-contact reader / writer 70 connected to the POS terminal 60, the control unit 11 of the portable terminal 10 activates the payment confirmation application 170. Specifically, in order for a child to pay for a product, the store clerk takes the product to be purchased to a cashier corner where the POS terminal 60 is located, and the store clerk connects to the bar code reader connected to the POS terminal 60. When the barcode printed on the product is read, the POS terminal 60 retrieves the product name and price from the POS system database, receives and displays the information, and relates to the payment from the non-contact reader / writer 70. Send a signal. Further, when the child holds the portable terminal 10 over the contactless reader / writer 70, the contactless interface unit 12 of the portable terminal 10 receives a signal related to payment from the POS terminal 60. The control unit 11 of the mobile terminal 10 activates the payment confirmation application 170, acquires information such as the product name and the amount of payment from the signal related to payment, and uses the product name, the item name converted from the product name, and the amount of payment as purchase information. Temporarily stored in the RAM in the control unit 11.

  The control unit 11 that executes the payment confirmation application 170 displays, on the display / input unit 17, input items such as “wish” 171 and “shopping amount” 174, information display such as “money you have” 173, “ Selection buttons such as “Please” 176 and “Keep it off” 177 are displayed. The child operates the display / input unit 17 to input “desired item” 171 as an item to be purchased and “shopping amount” 174 which is a planned purchase amount of the product (step S101). A child who is a user may input a product name or an item name to input “desired items” 171, but by pressing a pull-down menu appearance button 172, a list of item names can be selected as a pull-down menu. It may be displayed and selected from this list (not shown).

  The control unit 11 reads and displays the current balance (value currently owned) of electronic money stored in the secure element unit 14 or the credit limit amount in the “money held” 173 on the display / input unit 17. . In the first embodiment, a value less than or equal to the amount displayed in “money held” 173 can be input in “shopping amount” 174.

  Alternatively, when the mobile terminal 10 starts up the payment confirmation application 170 by being held over the contactless reader / writer 70 connected to the POS terminal 60 by a child who is a user, the control unit 11 The item name read from the purchase information temporarily stored in the RAM 11 is displayed in “Wish” 171 and the payment amount is displayed in “Shopping amount” 174.

  If there is no mistake in the input content, the child presses the “Request” button 176, and if the input is to be discarded, the “Stop” button 177 is pressed. When it is detected that any button is pressed on the touch panel of the display / input unit 17 (step S102), and the detected button is the “request” button 176, the item name is selected from “desirable” 171. The current balance is acquired from “money held” 173 and the amount of payment is acquired from “shopping amount” 174, and is temporarily stored in the RAM as purchase information. It is determined whether or not each condition in the condition list 16A is met (step S103). The determination of matching between the condition list 16A and each item such as the item name and the amount will be described later. As a result of the determination, it is determined whether the item is “payable”, “not payable”, or “inquiry to parent”. “Inquiry to parent” is a case where it cannot be determined depending on payment conditions, and here corresponds to a case where none of the conditions in the condition list 16A is met.

  When the determination result is “inquiry to parent”, the control unit 11 transmits purchase information from the network interface unit 13 to the portable terminal 20 through the public line 90.

  FIG. 6 is an example of a display screen of the “payment management application” 180 according to the first embodiment.

  The data storage unit 26 of the mobile terminal 20 stores an OS and application programs that run on the mobile terminal 20 (not shown), and the parent stores the payment management application 180 in the data storage unit 26 on the mobile terminal 20 that the parent carries. install. The payment management application 180 displays the display / display of the mobile terminal 20 when receiving a payment approval / disapproval signal of “inquiry to parent” based on the determination by the condition list 16A from another mobile terminal 10 in which the payment confirmation application 170 to be paired is installed. Of the information acquired from the payment acceptability signal on the input unit 27, the application program can display the item name, the amount, etc. of the product that the child wants to purchase the merchandise, and can select whether to pay or not.

  The control unit 21 of the portable terminal 20 loads the payment management application 180 into the RAM in the control unit 21 and executes it as an application program.

  In the first embodiment, the case of one-to-one mobile terminals is described for the sake of simplicity. However, the payment management application 180 is compatible with a parent having a plurality of children, and a plurality of mobile terminals 10 Corresponding to the reception of a signal from the payment confirmation application 170 that operates on the mobile phone 10, it is possible to reply to the mobile terminal 10 respectively.

  In the case of “inquiry to parent” in step S103, the control unit 21 activates the payment management application 180 using the network interface unit 23 as a trigger when the purchase information is received from the mobile terminal 10 through the public line 90, The received purchase information is displayed on the display / input unit 27 together with a notification sound using the alarm function in the control unit 21 (step S141).

  Alternatively, the control unit 21 is activated when the payment management application 180 is received when purchase information is received from the mobile terminal 10, but regardless of whether the payment management application 180 is used when the mobile terminal 20 is activated from power-off to power-on. It may be a background activation in which only the display screen is displayed, in which case the control unit 21 of the portable terminal 20 uses the purchase information signal received from the portable terminal 10 as a trigger to the display / input unit 27. To pop up the screen of the payment management application 180.

  Based on the purchase information received from the payment confirmation application 170 of the mobile terminal 10 as the display item of the payment management application 180 displayed on the display / input unit 27, the control unit 21 sets the item name acquired from the purchase information as “desired item”. "Item" 181 corresponding to "171", "Current Balance" 182 corresponding to "Current Money" 173, and "Purchase Amount" corresponding to "Shopping Amount" 174 ”Are displayed respectively. The control unit 21 converts the map information into the area name based on the latitude / longitude read from the GPS position information that has been received from the mobile terminal 10 and temporarily stored in the RAM at the “current position” 185, and is displayed. The distance between the two points is calculated from the latitude and longitude of the GPS position information received from the mobile terminal 10 and the current GPS position information of the mobile terminal 20 in the “distance” 186, and is displayed in two significant digits as a linear distance for display. The rounded value is displayed. The control unit 21 displays on the display / input unit 27 the time information output by the clock function of the control unit 11 when the purchase information is received as “request time”, and the current time output by the clock function as “current time”. Displayed in “Current time”.

  Based on this information, the parent who is the user of the mobile terminal 20 confirms the item information, the current position, and the time when the purchase information is received on the mobile terminal 10 by the child. “Only OK this time” 187, “Always OK” 188 that can be purchased without any parental operation in the future, and “No” 189 that is not allowed this time are considered appropriate and respond to the decision Press the button. When selecting “No” 189, a message for the child can be sent to the mobile terminal 10. In this case, the parent inputs the message column 190 as appropriate and presses the “No” button 189.

  By this operation, the control unit 21 determines which one of the “OK this time only” 187, the “always OK” 188, and the “No” button 189 displayed on the display / input unit 27 is pressed, and responds to this determination result. Then, any one of a signal indicating “OK only this time”, a signal indicating “always OK”, and a signal indicating “no” is transmitted from the network interface unit 23 to the mobile terminal 10 through the public line 90 (step S142). When the “No” button 189 is pressed, the content entered in the message field 190 is transmitted as a signal indicating “No”.

  When the determination result in step S103 is “payment impossible” or the network interface unit 13 receives a signal indicating “no” transmitted from the mobile terminal 20 in step S142, the control unit 11 of the mobile terminal 10 Display on the display / input unit 17 that the child can confirm that the purchase of the item scheduled to be purchased is not permitted (not shown) (step S104), and the payment confirmation application 170 is terminated or set to the background (step). S108).

  When the control unit 11 of the mobile terminal 10 receives the signal indicating “always OK” transmitted from the mobile terminal 20 in step S <b> 142 at the network interface unit 13, the control unit 11 stores the condition in the data storage unit 16. Information on purchase conditions that are OK to the list 16A is added to each item (step S105). Specifically, for each item in the condition list, the control unit 11 converts the default value “OK” into the “payment” item, and converts the item name obtained by converting the product name obtained from the purchase information into the “item” item. The purchase amount is set to the “upper limit amount per day” item, the distance between the mobile terminal 10 and the mobile terminal 20 carried by the parent or the region where the mobile terminal 10 exists is set to the “distance / region” item by default. One “not specified” is registered in the “number of times” item, and one or more of the items are registered. In the first embodiment, five items of “payment”, “item”, “maximum amount per day”, “region”, and “number of times” are registered in the condition list 16A.

  In addition, in the item of “maximum amount per day”, it is possible to add a condition such as adding 50 yen more than the planned purchase amount in order to have a range of amounts, and register “once / day” as “number of times”. The default value can be changed. This condition addition and default value change can be changed from the parent mobile terminal 20 by a condition list editing application described later (not shown).

  The control unit 11 of the mobile terminal 10 receives the signal indicating “only this time” transmitted from the mobile terminal 20 in step S142 when the determination result in step S103 is “payable” or not in the network interface unit 13. In the case, or the one that has been processed in step S105, the display / input unit 17 displays on the display / input unit 17 so that the child can confirm that the purchase of the item scheduled to be purchased on the portable terminal 10 is permitted (not shown). (Step S106), the control unit 11 sends the item name and the payable amount to the secure element unit 14 as payment permission conditions (Step S107), and terminates or sets the payment confirmation application 170 in the background (Step S108). .

  Later, when the child makes a purchase, the clerk takes the product to be purchased to the cashier corner where the POS terminal 60 is located in order to pay for the product, and the clerk displays the bar code connected to the POS terminal 60. Have the reader read the barcode printed on the product. The POS terminal 60 displays a product name and an amount received by searching from the POS system database based on the read barcode, and sends a payment request from the non-contact reader / writer 70 (step S161). do.

  The child using the mobile terminal 10 holds the mobile terminal 10 over the non-contact reader / writer 70 connected to the POS terminal 60, so that the secure element unit 14 determines the item from the payment permission condition acquired from the control unit 11. Confirmation of payment details (step S121) for determining whether the name matches and the payment amount is within the payable amount, and if the condition is satisfied, the payment is made (step S122) and the payment is completed (step S162) )

  Specifically, when the electronic money is used in the payment process, the secure element unit 14 of the mobile terminal 10 subtracts the payment amount from the balance of the electronic money stored in the secure element unit 14 and is built in the POS terminal 60 or the like. Payment information is exchanged to add the payment amount to the secure element part (hereinafter referred to as POS terminal side secure element part) built in the settlement server via the secured element part or the POS terminal 60, and the payment processing is completed. To do.

  Alternatively, when using the credit function, the secure element unit 14 of the mobile terminal 10 sends the contractor name, card number, and validity date to the POS terminal side secure element unit as credit card information stored in the secure element unit 14. After the transmission and the credit confirmation is performed from the POS terminal side secure element section, the payment is confirmed and the payment processing is completed.

  In step S101, when the child holds the portable terminal 10 over the non-contact type reader / writer 70, the control unit 11 of the portable terminal 10 performs the processing from step S101 to step S108 and then keeps holding the child or the child does not hold. By temporarily holding the contact-type reader / writer 70 out of the communicable range for operation, the secure element unit 14 can change the item according to the payment permission condition acquired from the control unit 11. Confirmation of payment details (step S121) for determining whether the name matches and the payment amount is within the payable amount, and if the condition is satisfied, the payment is made (step S122) and the payment is completed (step S162) )

  The control unit 11 of the portable terminal 10 receives the paid information signal from the secure element unit 14, and from the paid information, the purchase date, the product name, the item name, the payment amount, and the portable information held in the RAM of the control unit 11. The straight line distance calculated from the position information of the terminal 10 and the mobile terminal 20 and the region name converted from the latitude / longitude read from the position information of the mobile terminal 10 are added to the purchase history 16B stored in the data storage unit 16 (step S123), the process ends or is set to the background (step S124).

  Hereinafter, a determination flow using the condition list 16A will be described with reference to FIGS.

  FIG. 7 is an example of a flow for determining whether or not the mobile terminal 10 can pay according to the condition list 16A. From the purchase information according to the condition list 16A stored in the data storage unit 16 of the mobile terminal 10 A flow when the mobile terminal 10 determines payment will be described.

  FIG. 8 is an example showing a condition list 16 </ b> A held in the data storage unit 16 of the mobile terminal 10. In the first embodiment, the condition list 16A has items of “payment”, “item”, “maximum amount per day”, “distance / area”, and “number of times”.

  FIG. 9 is an example showing the purchase history 16 </ b> B held in the data storage unit 16 of the mobile terminal 10.

  First, the control unit 11 reads the first condition on the list from the condition list 16A (step S301), and then checks the “payment” item of the condition (step S302). The “payment” item in the condition list 16A is “OK” or “NO”. In this case, the condition for allowing payment is a so-called white list, and the condition for disabling payment represents a black list.

  The condition for allowing payment is that if the item to be purchased satisfies all of the items (the upper limit amount of money per day, distance / area, number of times) in the condition that the item corresponds to in the condition list 16A, the item can be paid. It is an AND condition to be judged.

  On the other hand, the condition for disabling payment is that any one of the items (maximum amount per day, distance / area, number of times) in the condition that the item falls under the condition list 16A for the item to be purchased is a range. If it is outside, the OR condition is determined that payment is impossible.

  When the control unit 11 determines that the “payment” item of the read condition is the “impossible” condition, the item of the product to be purchased from now on (hereinafter, “purchased item”) is the same as or all of the “item” of the condition. It is confirmed whether the item is a target (step S311). “Item” in the condition list 16A represents the classification of the product to be purchased. For example, when the operator instructs apple juice, “drink” is input, and when the television weekly magazine is specified, “magazine” is input. The relationship between the purchase information and the item name is stored as a database in the data storage unit 16 or information is acquired from the Internet or the like through the network interface unit 13. The classification is not limited to this, and if there is a function that allows the user to know the item name appropriately, refer to the database etc. that can be compared with the item name using the product name and JAN code attached to the item, etc. Any mechanism is acceptable. In “items”, “all items” refers to all items regardless of item classification, that is, the control unit 11 treats that no item name is set. The condition judgment in this flow is Yes if the purchased items are the same or all items are targets, and No if they are different.

  In the case of Yes in step S311, the control unit 11 confirms whether the amount of the product to be purchased (hereinafter referred to as purchase amount) exceeds the “daily upper limit amount” (step S312). The control unit 11 refers to the purchase history 16B, adds up the payment amount for the same “item” purchased in the past one day (24 hours), and the total amount of payment amount and purchase amount is “the upper limit of one day” Judge whether the amount exceeds. The “daily upper limit amount” in the condition list 16A indicates an amount that is not payable if the daily payment amount exceeds the instructed amount. For example, if it is expressed as 500 yen, the condition is satisfied if the total payment amount in one day exceeds 500 yen, and No if it is different. In the case of Yes, the control unit 11 determines “payment impossible” in this flow (step S307).

  The control unit 11 refers to the purchase history 16 </ b> B (see FIG. 9) in which payment information of products purchased in the past using the mobile terminal 10 is used for determination in step S <b> 312. The purchase history 16B includes items of “purchase date”, “item”, “payment amount”, “distance”, and “region”.

  In order to determine the “maximum amount per day”, the control unit 11 refers to the history of the past one day (24 hours) registered in the purchase history 16B, searches for items of the same item, and adds up the payment amount. . Then, the control unit 11 determines that payment is not possible if the total amount of the combined payment amount and the current purchase amount exceeds the set amount. For example, when “500 yen per day” is specified as “500 yen”, the condition is satisfied if the total amount of the sum of the payment amount and the current purchase amount exceeds 500 yen, and “No” is determined if they are different. .

  In the case of No in step S312, the control unit 11 determines that the current distance from the parent terminal exceeds the “distance” of the condition, that is, the GPS position that has been received from the portable terminal 20 carried by the parent and temporarily stored in the RAM It is confirmed whether the distance between two points calculated from the latitude and longitude of the information and the current GPS position information of the mobile terminal 10 exceeds the “distance” of the condition (step S313). In the “distance / region” of the condition list 16A, for example, “XX city” or “XX city Honmachi” converted from a distance such as “2,000 m” or latitude / longitude read from the current GPS position information of the mobile terminal 10. A region such as “1 chome” is entered. If a unit representing a distance such as “2,000 m” is included in “distance / area”, the control unit 11 determines that “distance” is instructed as a distance. The “distance” that is set indicates the lower limit of the distance that is not payable if the distance is outside the specified range. For example, when “2,000 m” is indicated as “distance” in “distance / area”, the condition is satisfied if the linear distance between the mobile terminal 10 and the mobile terminal 20 exceeds 2,000 m, and “No” otherwise. to decide. If “distance” is not specified, the control unit 11 determines that the distance condition is not met and determines No. Alternatively, in the case of Yes in step S313, the control unit 11 determines “payment impossible” in this flow (step S307).

  On the other hand, in the case of No in step S313, the control unit 11 confirms whether the position information of the mobile terminal 10 is outside the range of the “region” of the condition (step S314). A region such as “XX city” or “XX city Honmachi 1-chome” converted from the latitude / longitude read from the current GPS position information of the mobile terminal 10 is designated as “distance / region” in the condition list 16A. If it is outside, the condition is satisfied, Yes, otherwise it is determined No. In the case of Yes, the control unit 11 determines “payment impossible” in this flow (step S307).

  In the case of No in step S314, the control unit 11 refers to the purchase history 16B and confirms whether the condition “number of times” is exceeded (step S315). “Number of times” in the condition list 16A represents the number of times payment is not possible if the number of payments per unit period exceeds. For example, when “number of times” is “twice / day”, it is possible to purchase up to two times per day. If “not specified”, the control unit 11 determines that the condition of the number of times of purchase is not set. deal with.

  The control unit 11 refers to the purchase history 16 </ b> B in which payment information of products purchased in the past using the mobile terminal 10 is used for determination of the flow (step S <b> 315). In order to determine the number of payments for the same item, the control unit 11 refers to the history of the purchase history 16B and searches and confirms the item of the same item. For example, when the “number of times” specified by the condition list 16A is “twice / week”, the “purchase date” in the purchase history recorded in the purchase history 16B is the same “item” within the past one week. If there are two or more purchase histories, that is, if the purchase history exceeds two times together with the current purchase, the condition is satisfied, and if different, it is determined No. In the case of Yes, the control unit 11 determines “payment impossible” in this flow (step S307).

  Next, in step S302, if the “payment” item is a “permitted” condition, the control unit 11 confirms whether the purchased item is the same as the “item” in the condition, or whether all items are targets (step S321). The content of the confirmation is the same as that in step S311 and will not be described. If the purchased items are the same or all items are the target, Yes is determined, and if they are different, No is determined.

  In the case of Yes in step S321, the control unit 11 refers to the purchase history 16B and confirms whether the payment amount is within the “daily upper limit amount” (step S322).

  The “maximum daily amount” in the condition list 16A indicates an amount that can be paid if the daily payment amount is within the indicated amount. For example, when “500 yen per day” is designated as “500 yen”, the purchase history 16B is referred to, and the total of the amount of payment for the same “item” within the past one day (24 hours) and the current purchase If the total amount is within 500 yen, the condition is satisfied, Yes, otherwise, it is determined No.

  In the case of Yes in step S322, the control unit 11 determines that the current distance from the parent terminal is within the “distance” of the condition, that is, GPS position information that has been received from the portable terminal 20 carried by the parent and is temporarily stored in the RAM. And whether the distance between the two points calculated from the respective latitude and longitude of the current GPS position information of the mobile terminal 10 is within the “distance” of the condition (step S323). In the “distance / region” of the condition list 16A, for example, “XX city” or “XX city Honmachi 1-chome” from the distance “2,000 m” or the latitude and longitude read from the current GPS position information of the mobile terminal 10 ”Enters. When a unit representing a distance such as “2,000 m” is included in “distance / area”, the control unit 11 determines that “distance” is instructed, and determines the distance. The “distance” to be set indicates a range of distance that can be paid if the distance is within a specified range. For example, when “2,000 m” is designated as “distance” in “distance / area”, the condition is satisfied if the linear distance between the mobile terminal 10 and the mobile terminal 20 is within 2,000 m, and No if different. to decide. If “distance” is not specified, the control unit 11 determines No.

  On the other hand, in the case of Yes in step S323, the control unit 11 confirms whether the position information of the mobile terminal 10 is within the range of the “region” of the condition (step S324). A region such as “XX city” or “XX city Honmachi 1-chome” converted from the latitude / longitude read from the current GPS position information of the mobile terminal 10 is designated as “distance / region” in the condition list 16A. If it is within, the condition is satisfied and Yes, otherwise it is determined No.

  In the case of Yes in step S324, the control unit 11 refers to the purchase history 16B and confirms whether it is within the “number of times” of the condition (step S325). “Number of times” in the condition list 16 </ b> A represents the number of times payment is possible if the number of payments per unit period is within the range. For example, when “number of times” is “twice / week”, the purchase history 16B is referred to, and within the past week, if the number of payments for the same “item” and the current purchase are within two times, If the condition is satisfied, Yes, otherwise, it is determined as No.

  In the case of Yes in step S325, the control unit 11 determines “payable” in this flow (step S305).

  If none of the conditions is satisfied and the answer is No, that is, if the determination of “payable” or “not payable” is not obtained, the control unit 11 has the following condition in the condition list 16A (step S303). If there is a next condition, the next condition is read from the condition list 16A (step S304), and the process continues from step S302. In this way, the control unit 11 determines whether or not the purchase information satisfies the conditions of the list state specified in the condition list 16A in the order described in the list. If there is no next condition, the control unit 11 determines “inquire to parent” in this flow (step S306).

  Next, editing of the condition list 16A will be described. FIG. 10 and FIG. 11 show the display screens of “condition list payable condition list” 370 and “condition list payable condition list” 380 of the same condition list editing application. FIG. 10 shows a screen for editing a so-called white list that can be paid, and FIG. 11 shows a screen for editing a so-called black list that cannot be paid. Although the same application program is used, it may be prepared separately.

  The parent causes the “condition list list of payable conditions” 370 or “condition list list of unpaid conditions” 380 to be executed on the mobile terminal 20 owned by the parent. The condition is in an unregistered state, and the parent performs an operation for designating each item of the condition list 16A on the portable terminal 20 to set a condition that the child is allowed to pay or cannot be paid. In addition, if you want to purchase a product that does not satisfy the payment conditions in the condition list 16A set by changing what you want to purchase for the child, or if the child's action range has changed and the place exceeds the distance set in the condition list 16A, Used to update payment terms by editing, such as adding, modifying, or deleting payment terms in the set condition list 16A when a child requests to purchase a product in a different region. To do.

  The control unit 21 of the portable terminal 20 displays a menu screen on the display / input unit 27 that allows the user to select which one of “Condition list list of payable conditions” 370 and “Condition list list of unpaid conditions” 380 is used. Display (not shown), and the execution of the application program selected by the display / input unit 27 by the operator parent is started. Here, a description will be given of the case where “condition list list of payable conditions” 370 is selected.

  The payable conditions (conditions that allow payment) are all the items (maximum amount per day, distance / region, number of times) in the condition that the item corresponds to the item in the condition list 16A for the item to be purchased. If it satisfies, it is an AND condition that is determined to be acceptable.

  The control unit 21 of the portable terminal 20 loads the “condition list list of payable conditions” 370 into the RAM in the control unit 21 and executes it as an application program. In the initial state, nothing is registered, and items such as “items” that can be paid are set as necessary.

  When the condition is already registered in the condition list 16A stored in the data storage unit 16 of the mobile terminal 10, the control unit 21 transmits a signal instructing the download of the condition list 16A from the network interface unit 23 to the mobile terminal 10. The condition list 16A received from the portable terminal 10 is overwritten on the condition list 26A held in the data storage unit 26. Thereby, the condition list having the same contents as the latest condition list 16A is edited.

  “Item” 371 represents the item name of a product to which the condition for payment is applied. For example, when the operator indicates apple juice, “drink” is input, and when the red pencil is specified, “pencil” is input. The operator selects and inputs the item name from the displayed item list by inputting the item name or pressing the pull-down menu appearance button 372 (not shown). Specifically, when the control unit 21 determines that the pull-down menu appearance button 372 on the display / input unit 27 is pressed, the control unit 21 displays the item list held in the data storage unit 16 on the display / input unit 27. As a selectable display. The operator presses the button of the item name to be specified in the item list. The control unit 21 closes the displayed item list and displays the item name represented by the pressed item name button in the “item” 371.

  When “all items” is entered as an item or “all items” is selected from the pull-down menu, the condition is directed to all items, and the control unit 21 does not set the item name when referring to the condition judgment. Judgment is made based on other items such as “upper limit amount per day” and “distance / region”.

  “Maximum amount per day” 373 represents the total amount that can be purchased per day for the item to be purchased, regardless of the designation of “number of times” 375 described later. For example, if “upper limit amount per day” 373 is “300 yen” and “number of purchases” 375 is “twice / day”, the first payment amount is 300 yen or less, and the past 1 The same “item” purchased on a day (24 hours) can be purchased if the total purchase amount for the first time is 300 yen or less.

  As another example, when the “maximum amount per day” 373 is “700 yen” and the “number of purchases” 375 is “twice / month”, the daily payment amount is 700 yen or less and the past 1 Along with the same “item” purchased during a month, it can be purchased up to two times. In this case, if there is no purchase of the same “item” in the past month, the purchase can be made twice a day, but the total daily payment must be 700 yen or less.

  The operator inputs the daily upper limit amount into the “daily upper limit amount” 373.

  “Distance / area” 374 represents a distance or area that can be paid if the distance or area is within a specified range.

  If “distance / area” includes a unit representing a distance such as “500 m”, the “distance” is designated. Specifically, when the control unit 21 refers to the condition determination, the mobile terminal 10 executes the payment confirmation application 170 and sends a signal indicating “inquiry to parent” to the mobile terminal 20 based on the determination result in the condition list 16A. When transmitted, the control unit 21 of the mobile terminal 20 receives the latitude of the GPS position information received from the mobile terminal 10 held in the RAM of the control unit 21 and the GPS position information of the mobile terminal 20 at the time of the condition determination.・ Used to determine whether the distance between two points calculated from longitude is within a specified distance. For example, if “500 m” is specified for “distance / area”, it means that “distance” is specified, and that the condition is within 500 m, and the linear distance between the mobile terminal 10 and the mobile terminal 20 is within 500 m. If there is, it indicates that the condition is met.

  Alternatively, if the unit representing the distance is not included, the control unit 21 uses the map information based on the latitude / longitude read from the GPS position information received from the mobile terminal 10 and held in the RAM of the control unit 21. This is used to determine whether or not the converted area exists within the area of “distance / area” 374. For example, if “XX city Honmachi 1-chome” is instructed, it indicates that the payment condition is met if the region where the mobile terminal 10 exists is within the region of XX city Honmachi 1-chome.

  The mobile operator inputs the distance or the area into “distance / area” 374.

  “Number of times” 375 represents the number of times the mobile terminal 10 can pay per unit period. For example, in the case of “twice / day” shown in FIG. 10, it is possible to purchase up to twice per day (24 hours), and as another example shown in FIG. A certain “once / week” indicates that a product of an item classified as a reference book such as an English reference book can be purchased up to once per week.

  The operator inputs the number of payable times into “number of times” 375. Since the notation of “number of times” is complicated, the operator selects and inputs “number of times” from the number of times list displayed by pressing the pull-down menu appearance button 376 (not shown). Since the operation method of the pull-down menu appearance button 376 is the same as that of the pull-down menu appearance button 372, a description thereof will be omitted.

  Next, the screen for editing the non-payable conditions in FIG. 11 will be described. The major difference is the condition that is permitted in FIG. 10, but the condition that is not permitted in FIG. 11 and the input method is the same, so the input method is omitted.

  The control unit 21 of the portable terminal 20 displays a menu screen on the display / input unit 27 that allows the user to select which one of “Condition list list of payable conditions” 370 and “Condition list list of unpaid conditions” 380 is used. Display (not shown), and the execution of the application program selected by the display / input unit 27 by the parent is started. Here, a description will be given of the case where “condition list list of conditions that cannot be paid” 380 is selected.

  The non-payable conditions (conditions for non-payment) are as follows: each item (maximum amount per day, distance / area, number of times) for the item to be purchased in the condition applicable to the item in the condition list 16A If any one is out of range, the OR condition is determined that payment is impossible.

  The control unit 21 of the mobile terminal 20 loads the “condition list list of unpaid conditions” 380 into the RAM in the control unit 21 and executes it as an application program. In the initial state, nothing is registered, and items such as “items” to be made non-payable are set as necessary.

  “Item” 381 represents the item name of the product to which the condition that payment is impossible is applied. If the item specified by “Item” 381 is determined to be out of range in any of the other items specified in “Maximum amount per day” 383, “Distance / Region” 384, and “Number of times” 385 Impossible.

  “Daily maximum amount” 383 is the sum of the total amount of payment for the same item purchased in the past one day (24 hours) and the amount of the item to be purchased this time is “maximum amount per day” If it exceeds, it represents the amount that payment is impossible.

  “Distance / area” 384 represents a distance or area that is not payable if the distance or area is outside the specified range. If “distance / area” includes a unit representing a distance such as “500 m”, the “distance” is designated. Specifically, when the control unit 21 refers to the condition determination, the mobile terminal 10 executes the payment confirmation application 170 and sends a signal indicating “inquiry to parent” to the mobile terminal 20 based on the determination result in the condition list 16A. When transmitted, the control unit 21 of the mobile terminal 20 receives the latitude of the GPS position information received from the mobile terminal 10 held in the RAM of the control unit 21 and the GPS position information of the mobile terminal 20 at the time of the condition determination. • Used to determine whether the distance between two points calculated from longitude is outside the specified range. For example, if “500 m” is indicated in “Distance / Region”, it means that “Distance” is specified, and that the condition exceeds 500 m, and the linear distance between the mobile terminal 10 and the mobile terminal 20 exceeds 500 m. If this is the case, it means that the payment is not possible.

  Alternatively, the area converted from the map information based on the latitude / longitude read from the GPS position information received from the mobile terminal 10 and held in the RAM of the control unit 21 is outside the area of “distance / area” 384. It is used to determine whether or not. For example, if it is instructed as “XX city Honmachi 1-chome”, it represents that the condition where the payment is not possible if the region where the mobile terminal 10 exists is outside the region from XX city Honmachi 1-chome.

  “Number of times” 385 represents the number of times payment is not possible when the number of purchases per unit period by the mobile terminal 10 exceeds.

  For example, under the condition that “item” 381 shown in FIG. 11 is “game”, all games classified by product name are targets, and other items are referred to, and “distance / region” 384 is set to “XX”. Since “city” is designated and “maximum amount per day” 383 and “number of times” 385 are “no designation”, this means that the “item” game cannot be paid outside the area of xx city.

  As another example shown in FIG. 11, in the condition that “item” 381 is “all items”, other items are referred to, and “maximum amount per day” 383 is “5,000 yen”, “distance / Since “Region” 384 and “Number of times” 385 are “No designation”, payment is impossible for all items exceeding 5000 yen regardless of “Distance / Region” and “Number of times”.

  As another example shown in FIG. 11, in the condition that “item” 381 is “candy”, other items are referred to, and “maximum amount per day” 383 is “300 yen”, and “number of times” 385 is Since “once / day” and “distance / area” 384 are “unspecified”, the place of purchase is not limited, but “item” sweets are not payable if purchased for the second time in a day. Moreover, even if the first payment amount exceeds 300 yen, the payment is not allowed.

  As another example shown in FIG. 11, in the condition that “item” 381 is “magazine”, other items are referred to, “distance / region” 384 is “2,000 m”, and “maximum amount per day”. Since 383 and “number of times” 385 are “no designation”, the purchase of the magazine at a place where the positions of the mobile terminal 10 and the mobile terminal 20 are separated by more than 2000 m in a linear distance is not payable.

  Hereinafter, the editing end operations of “condition list list of payable conditions” 370 and “condition list list of unpaid conditions” 380 are common.

  When the editing of the condition list 26 </ b> A on the portable terminal 20 is completed, the operator presses “editing end” buttons 377 and 387. The control unit 21 detects that the “end editing” buttons 377 and 387 are pressed from the display / input unit 27, and if necessary, leaves a copy as a backup for the condition list 26A stored in the data storage unit 26. The condition list created by the condition list editing applications 370 and 380 is overwritten as a new condition list 26A. Further, the control unit 21 transmits the condition list 26 </ b> A from the network interface unit 23 to the mobile terminal 10.

The control unit 11 of the mobile terminal 10 overwrites the condition list received by the network interface unit 13 on the condition list 16A held in the data storage unit 16, thereby holding the same condition as the latest condition list 26A. To do.
(Operational effect of the first embodiment)
As described above, according to the first embodiment, for a child carrying the mobile terminal 10 with a payment function, what is desired to be purchased changes, and in the condition list 16A regarding the set payment, whether or not payment is possible cannot be determined. The mobile terminal 10 inquires of the mobile terminal 20 that the parent handles whether payment is possible, and the child can perform payment processing according to the parent's payment determination.

  In addition, as a condition for allowing payment to the child's mobile terminal 10, the range of the amount that can be purchased, the range of the straight line distance from the region or the parent mobile terminal 20 that can be purchased, Conditions that can be specified individually or in combination, and as conditions for disabling payment, for the item to be purchased, the lower limit of the amount that cannot be paid, the lower limit of the linear distance from the region or parent mobile terminal 20 that is not allowed to purchase, By specifying the number of purchases individually or in combination, the parent's intention can be reflected in the purchase of the child's products.

  In addition, when conditions that are not registered in the condition list, such as when a child's range of action or preference changes, purchases a product on a mobile device carried by the child to the mobile device carried by the parent. By receiving the confirmation of payment availability together with the item information, the behavior of the child can be grasped, and the child can perform payment processing according to the parent's payment determination.

Furthermore, the payment condition can be added to the condition list 16A without opening the edit screen of the “condition list list of payable conditions” 370 on the payment management application 180 screen on the mobile terminal 20 carried by the parent. By selecting “OK” 188, it is possible to easily update the condition list 16A without any editing operation. Therefore, the payment condition judgment performed at the next and subsequent child product purchases is performed only within the payment confirmation application 170, and there is no need for the parent operation, and there is no troublesome operation. The intention can be reflected.
(Embodiment 2)
The system configuration of the second embodiment is the same as that of the first embodiment (see FIG. 1), and the editing of the condition list 16A is the same as that of the first embodiment. Hereinafter, differences from the first embodiment will be described.

  In the second embodiment, when the value that is the balance of the electronic money held in the secure element unit 14 of the mobile terminal 10 that is mainly carried by a child is insufficient, the mobile terminal 20 that is mainly carried by a guardian such as a parent is used. It has a mechanism to give money for so-called electronic money that can be provided by transfer from the value of electronic money. In “payment confirmation application” 270 and “payment management application” 280 described later, items related to pocket money are added to “payment confirmation application” 170 and “payment management application” 180 in the first embodiment.

  In the second embodiment, the value of electronic money is transferred from the mobile terminal 20 to the mobile terminal 10. However, the mobile terminal 20 uses the credit function of the mobile terminal 10 to add the value of electronic money. You may give instructions.

  FIG. 12 is an example of a payment sequence diagram according to the second embodiment. Description of the components having the same operations and functions as those of the first embodiment will be omitted as appropriate. FIG. 13 is an example of a display screen of the “payment confirmation application” 270 according to the second embodiment. FIG. 14 is an example of a display screen of the “payment management application” 280 in the second embodiment. Hereinafter, the flow will be described with reference to FIGS.

  The control unit 11 of the mobile terminal 10 loads the payment confirmation application 270 into the RAM in the control unit 11 and executes it as an application program.

  “Wish” 271 displayed on the display / input unit 17, pull-down menu appearance button 272 for selecting a desired item, “money to hold” 273, “amount of shopping” 274, “request” 276 button, “stop” Since the “Put” 277 button has the same function as that of the first embodiment, the description thereof is omitted.

  As shown in FIG. 13, the control unit 11 that executes the payment confirmation application 270 displays “desired items” 271 and “shopping amount” 274 on the display / input unit 17, and each item is input by the child. Or a signal related to payment from the contactless reader / writer 70 of the POS terminal 60 is received by the contactless interface unit 12, and “desirable” 271 is obtained from information such as the product name and the amount of payment required from the signal related to payment. When the “shopping amount” 274 is displayed, when it is determined that the “shopping amount” 274 is higher than the “money you have” 273, the control unit 11 displays a “desired amount” on the display / input unit 17. “Permitted” 275 is displayed. The child inputs the necessary pocket money amount into the "Preferred pocket money" 275 so that the balance of the electronic money held in the portable terminal 10 does not become insufficient when paying (step S201).

  In order to confirm the end of input (step S202), the child presses the “Request” button 276 if the input contents are acceptable, or the “Stop” button 277 to discard all the inputs. When the control unit 11 determines that the “Request” button 276 has been pressed on the display / input unit 17, the item name from “Wish” 271, the current balance from “money held” 273, The amount of payment is acquired from “shopping amount” 274 and the amount of payment is received from “want pocket money” 275, and is temporarily stored in the RAM as purchase information. The control unit 11 determines whether the purchase information matches each condition in the condition list 16A. After the determination of matching with the condition list 16A based on the flow of FIG. 7 described above (step S203), one of “payable”, “payable” and “inquiry to parent” is determined. In the second embodiment, even in the case of “Payable”, the flow is the same as “Inquiry to parent”, and when it is determined that “Payable” or “Inquiry to parent” is determined, the control unit 11 sends purchase information to the network. The data is transmitted from the interface unit 13 to the portable terminal 20 through the public line 90.

  In the case of “Payable” or “Inquiry to parent” in step S203, the control unit 21 of the mobile terminal 20 triggers that the purchase information is received from the mobile terminal 10 through the public line 90 by the network interface unit 23. The payment management application 280 is activated, and the received purchase information is displayed on the display / input unit 27 as shown in FIG. 14 together with a notification sound using the alarm function in the control unit 21 (step S241).

  As a display item of the payment management application 280 displayed on the display / input unit 27, the control unit 21 sets the item name acquired from the purchase information to “item” 281 corresponding to the “desired item” 271 based on the purchase information. , “Current money” 282 corresponding to “Money held” 273, “Purchase amount” 283 corresponding to “Purchase amount” 274, Payment amount “I want you” Corresponding to the “pocket money” 275, it is displayed on the “desired amount (paid money to be given)” 284. The “current position” 285, “distance” 286, “requested time”, and “current time” are displayed by reading out information as in the first embodiment.

  Based on these pieces of information, the parent who is the user of the mobile terminal 20 confirms the information on the product that the child intends to purchase on the mobile terminal 10, the current position, and the time when the purchase information is input, and authorizes the purchase. In consideration of the lack of balance in the case, determine the amount of pocket money to increase the amount as requested or correct the increase / decrease, etc. (Received pocket money) "is input to 284. However, in the case of selecting and inputting a “No” button 289, which will be described later, it is not necessary to input the “desired amount (paid money)” 284.

  The parent who is the user of the portable terminal 20 can select any one of “OK only this time” 287 that is permitted only this time, “always OK” 288 that can be purchased without permission in the future, and “no use” 289 that is not permitted this time. Examining whether is appropriate, press the button corresponding to the result. When selecting “No” 289, a message for the child can be sent to the mobile terminal 10. In this case, the parent inputs a message in the message column 290 as appropriate, and then presses the “No” button 289.

  By this operation, the control unit 21 determines which one of the “OK this time only” 287, the “always OK” 288, and the “No” button 289 displayed on the display / input unit 27 is pressed, and responds to this determination result. One of the signal indicating “OK only this time”, the signal indicating “always OK”, and the signal indicating “no” is transmitted from the network interface unit 23 to the mobile terminal 10 through the public line 90 (step S242). When the “No” button 289 is pressed, a message indicating “No” is transmitted including the contents entered in the message field 290.

  When the determination result in step S203 is “not payable” or the network interface unit 13 receives a signal indicating “no” transmitted from the mobile terminal 20 in step S242, the control unit 11 of the mobile terminal 10 The display / input unit 17 is displayed so that the child can confirm that purchase of the item scheduled for purchase is not permitted (step S204), and the payment confirmation application 270 is terminated or set to the background (step S208).

  When the control unit 11 of the mobile terminal 10 receives the signal indicating “always OK” transmitted from the mobile terminal 20 in step S <b> 242 at the network interface unit 13, the control unit 11 stores the condition in the data storage unit 16. Information on purchase conditions that are OK to the list 16A is added to each item (step S205). Since the addition to the condition list 16A is the same as that in the first embodiment, the description thereof is omitted.

  When the network interface unit 13 receives the signal indicating “OK only this time” transmitted from the portable terminal 20 in step S242 or the processing performed in step S205, the control unit 11 of the portable terminal 10 displays any / Displays on the input unit 17 that the child can confirm that the purchase of the item scheduled to be purchased by the mobile terminal 10 is permitted (step S206), and the control unit 11 displays the mobile terminal 20 on the secure element unit 14 An instruction to obtain an amount corresponding to “desired amount (grant money)” 284 is sent from the electronic money, and payment permission conditions are sent (step S207), and the payment confirmation application 270 is terminated or set to the background (step S208). Thereafter, electronic money is transferred by the secure element units of the mobile terminal 10 and the mobile terminal 20.

Subsequent steps S261 and S262 are the same as steps S161 and S162 in the first embodiment, and steps S221 to S224 are the same as steps S121 to S124 in the first embodiment, and thus description thereof is omitted here.
(Operational effect of the second embodiment)
In addition to the same operational effects as those of the first embodiment, the following functions and effects are achieved by the added functions. In other words, when giving one month's worth of money as the value of electronic money from the portable terminal 20 carried by the parent to the portable terminal 10 carried by the child, or if the parent forgets to give it. If a child suddenly sees a product they want and the electronic money value balance is insufficient, the child will not be able to purchase at the store. In addition, since the value of the necessary amount of electronic money can be added, the child can perform payment processing without impairing the purchase opportunity of the child and depending on whether or not the parent can pay.
(Embodiment 3)
In the first embodiment, the condition list 16A used for payment determination is stored in the mobile terminal 10 carried by the child. However, in the third embodiment, the condition list 36A is stored in the server 30 connected to the network 90, and the payment is performed. It is intended to be used for judgment.

  FIG. 15 is an example of a schematic diagram of a system configuration according to the third embodiment. In FIG. 15, the mobile terminal 10, the mobile terminal 20, the GPS satellite 80, the public line 90, the POS terminal 60, and the non-contact type reader / writer 70 are the same as those in the first embodiment, and thus description thereof is omitted here.

  The server 30 communicates with the mobile terminal 10 and the mobile terminal 20 and stores a program for determining whether payment is possible according to purchase information received from the mobile terminal 10.

  FIG. 16 is an example showing functions of the server 30 of FIG.

  The control unit 31 includes a CPU, a ROM, a RAM, a clock function, and the like, and exchanges commands and data to each unit.

  The network interface unit 33 operates based on a command from the control unit 31 and communicates with an external device through the public line 90.

  The data storage unit 36 mainly uses a medium for storing data and programs such as a hard disk drive (Hard Disk Drive, HDD), and stores an OS, application programs, a condition list 36A, and the like.

  The display / input unit 37 is a display, a mouse, a keyboard, or the like that is mainly used for server maintenance, but the server device is generally not directly connected to a display or a keyboard but is controlled from a remote terminal. It is not essential to the configuration here.

  FIG. 17 is an example of a payment sequence diagram according to the third embodiment. Description of the components having the same operations and functions as those of the first embodiment will be omitted as appropriate. In the third embodiment, the server 30 stores a condition list 36A corresponding to payment conditions and an application program (not shown) for determining whether payment is possible according to the condition list in the data storage unit 36. The terminal 10 and the portable terminal 20 exchange data as information through this application program.

  The control unit 31 of the server 30 loads an application program for determining whether payment is possible according to the condition list 36A into the RAM in the control unit 31, and executes the application program as an application program.

  As shown in FIG. 5, the control unit 11 of the mobile terminal 10 that executes the payment confirmation application 170 displays, on the display / input unit 17, input items such as “wish” 171 and “shopping amount” 174, Information display such as “money” 173, selection buttons such as “please request” 176, and “stop” 177 are displayed. The child operates the display / input unit 17 to input “desired item” 171 as an item to be purchased and “shopping amount” 174 which is a planned purchase amount of the product (step S401).

  If there is no mistake in the input content, the child presses the “Request” button 176, and if the input is to be discarded, the “Stop” button 177 is pressed. When it is detected that one of the buttons is pressed on the touch panel of the display / input unit 17 (step S402) and the detected button is the “request” button 176, the item name from “desirable” 171 is selected. The current balance is acquired from “money held” 173, the amount of payment is acquired from “shopping amount” 174, and the purchase information is temporarily stored in the RAM. The control unit 11 transmits purchase information from the network interface unit 13 to the server 30 through the public line 90.

  The control unit 31 of the server 30 determines whether the purchase information received by the network interface unit 33 matches each condition according to the condition list 36A based on the flow of FIG. 7 (step S413), Judge whether “payable” or “query parent”.

  The control unit 31 transmits a signal indicating “OK only this time” when “payable”, and a signal indicating “no” when “payable” to the mobile terminal 10 through the public line 90 from the network interface unit 33. To do. In the case of “inquiry to parent”, the control unit 31 transmits purchase information from the network interface unit 33 to the portable terminal 20 through the public line 90.

  The control unit 21 of the portable terminal 20 activates the payment management application 180 using the network interface unit 23 as a trigger when receiving purchase information from the server 30 through the public line 90, and uses the alarm function in the control unit 21. Along with the notification sound, the received purchase information is displayed on the display / input unit 27 (step S441).

  As shown in FIG. 6, the control unit 21 obtains from the purchase information based on the purchase information received from the payment confirmation application 170 of the mobile terminal 10 as a display item of the payment management application 180 displayed on the display / input unit 27. As in the first embodiment, “item” 181, “current balance” 182, and “purchase amount” 183 are calculated from the GPS information of the mobile terminal 10 and the mobile terminal 20 held in the RAM of the mobile terminal 20. “Current position” 185 and “Distance” 186 are displayed. The control unit 21 reads out and displays “request time” and “current time” in the same manner as in the first embodiment.

  Based on this information, the parent who is the user of the mobile terminal 20 checks the information on the product that the child intends to purchase on the mobile terminal 10, the current position, and the time when the purchase information is input. “Only OK this time” 187, “Always OK” 188 that can be purchased without any parental operation in the future, and “No” 189 that is not allowed this time are considered appropriate and respond to the decision Press the button. When selecting “No” 189, a message for the child can be sent to the mobile terminal 10, and in this case, the parent presses the “No” button 189 after entering an appropriate message in the message field 190.

  By this operation, the control unit 21 determines whether one of the “currently OK” 187, “always OK” 188, and “no use” buttons 189 displayed on the display / input unit 27 is pressed, and corresponds to this determination result. One of the signal indicating “OK only this time”, the signal indicating “always OK”, and the signal indicating “no” is transmitted from the network interface unit 23 to the server 30 through the public line 90 (step S442). “When the“ No ”button 189 is pressed, the content entered in the message field 190 is included and transmitted as a signal indicating“ No ”.

  When the determination result in step S413 is “not payable” or the network interface unit 33 receives a signal indicating “no” transmitted from the portable terminal 20 in step S442, the control unit 31 of the server 30 A signal indicating “no” is transmitted from the interface unit 33 to the mobile terminal 10.

  When the network interface unit 13 receives a signal indicating “no” transmitted from the server 30, the control unit 11 of the mobile terminal 10 is not permitted to purchase the item name scheduled to be purchased in the display / input unit 17. Is displayed so that the child can confirm (step S404), and the payment confirmation application 170 is terminated or set to the background (step S408).

  When the control unit 31 of the server 30 receives the signal indicating “always OK” transmitted from the portable terminal 20 in step S442 at the network interface unit 33, the control unit 31 stores the conditions stored in the data storage unit 36. Information on purchase conditions that are OK to the list 36A is added to each item (step S415). Since the addition to the condition list 36A is the same as that in the first embodiment, the description thereof is omitted.

  The control unit 31 of the server 30 receives the signal indicating “OK only this time” transmitted from the portable terminal 20 in step S442 at the network interface unit 33, or the processing performed in step S415 is the network. A signal indicating “OK only this time” is transmitted from the interface unit 33 to the mobile terminal 10.

  When the network interface unit 13 receives the signal indicating “OK only this time” transmitted in step S413, step S415, and step S442, the control unit 11 of the portable terminal 10 sends the display / input unit 17 to the portable terminal 10. Display that the child is allowed to confirm the purchase of the item scheduled to be purchased (not shown) (step S406), and the control unit 11 pays the item name and the payable amount to the secure element unit 14. Sending is performed as a permission condition (step S407), and the payment confirmation application 170 is terminated or set to the background (step S408).

  Subsequent steps S461 and S462 are the same as steps S161 and S162 in the first embodiment, and steps S421 to S424 are the same as steps S121 to S124 in the first embodiment.

  Next, editing of the condition list will be described. Processing different from that in the first embodiment will be described.

  The control unit 21 of the portable terminal 20 loads the “condition list list of payable conditions” 370 or “condition list list of unpaid conditions” 380 selected by the operator into the RAM in the control unit 21, Run as an application program. In the initial state, nothing is registered, and items such as items that should be paid or not payable are set as necessary.

  When the condition has already been registered in the condition list 36A stored in the data storage unit 36 of the server 30, the control unit 21 of the mobile terminal 20 transmits a signal instructing to download the condition list 36A from the network interface unit 23 to the server 30. Then, the condition list received from the server 30 is overwritten on the condition list 26 A held in the data storage unit 26. Thus, the condition list having the same contents as the latest condition list 36A is edited.

  Since the editing screen and the editing work using the “condition list list of payable conditions” 370 and “condition list list of unpaid conditions” 380 are the same as those in the first embodiment, the description thereof is omitted here. .

  Hereinafter, the editing completion operations of “condition list list of payable conditions” 370 (see FIG. 10) and “condition list list of unpaid conditions” 380 (see FIG. 11) are common.

  When the editing of the condition list 26 </ b> A on the portable terminal 20 is completed, the operator presses “editing end” buttons 377 and 387. The control unit 21 detects that the “end editing” buttons 377 and 387 are pressed from the display / input unit 27, and if necessary, leaves a copy as a backup for the condition list 26A stored in the data storage unit 26. The condition list created by the condition list editing applications 370 and 380 is overwritten as a new condition list 26A. Further, the control unit 21 transmits the condition list 26 </ b> A from the network interface unit 23 to the server 30.

The control unit 31 of the server 30 holds the conditions having the same contents as the latest condition list 36A by overwriting the condition list received by the network interface unit 33 to the condition list 36A held in the data storage unit 36. .
(Operational effect of the third embodiment)
As described above, according to the third embodiment, for a child carrying the mobile terminal 10 with a payment function, what is desired to be purchased changes, and in the condition list 36A regarding the set payment, whether or not payment is possible cannot be determined. The mobile terminal 10 inquires of the mobile terminal 20 handled by the parent through the server 30 whether payment is possible, and the child can perform payment processing according to the parent's payment determination.

In the first embodiment, the editing operation of the condition list by the mobile terminal 20 is performed even when the condition list 16A cannot be acquired from the mobile terminal 10 because, for example, a child with the mobile terminal 10 is in a place where radio waves do not reach. In the third embodiment, the condition list 36 </ b> A is stored in the always accessible server 30, so that the portable terminal 20 can acquire the condition list from the server 30 regardless of the location of the portable terminal 10, edit it, and update it. Therefore, it is possible to reflect the intention of the parent without delaying the purchase of the product of the child.
(Modification 1)
In the first embodiment, the condition list 16A used for payment determination is stored in the portable terminal 10 carried by the child. However, in the first modification, the condition list 26A is not temporarily stored in the portable terminal 20 carried by the parent. You may make it memorize | store and use for judgment of payment.

  In this case, the control unit 11 of the mobile terminal 10 activates the payment confirmation application 170 (see FIG. 5). First, in the flow of FIG. Without making a decision in the condition list 16A according to the above, the network interface unit 13 sends a decision as to whether payment is possible or not to the portable terminal 20 each time.

  The mobile terminal 20 that executes the payment management application 180 (see FIG. 6) in the background receives the purchase information received from the mobile terminal 10 by the network interface unit 23 according to the condition list 26A based on the flow of FIG. It is determined whether they match, and it is determined whether “payable”, “not payable”, or “inquiry to parent” (corresponding to step S103). When determining “inquiry to parent”, the control unit 21 displays the payment management application 180 on the display / input unit 27 together with a notification sound using the alarm function in the control unit 21 (corresponding to step S141). The parent who is the user of the portable terminal 20 can select any one of “OK only this time” 187 that is permitted only this time, “always OK” 188 that can be purchased without permission in particular, and “no use” 189 that is not permitted this time. The button corresponding to the determined result is pressed (corresponding to step S142). When selecting “No” 189, a message for the child can be sent to the mobile terminal 10, and in this case, the parent presses the “No” button 189 after entering an appropriate message in the message field 190.

  When “always OK” 188 is selected and input, the control unit 21 adds the purchase condition information indicating OK to the condition list 26A stored in the data storage unit 26 to each item (corresponding to step S105).

  Then, in the case of any of the determination result of “Payable”, the instruction of “OK only this time” 187 and the instruction of “always OK” 188, the control unit 21 displays a signal indicating “OK only this time” as “ In the case of either “payment impossible” or “no use” 289 instruction, a signal indicating “no use” is transmitted from the network interface unit 23 to the portable terminal 10 through the public line 90.

  The control unit 11 of the mobile terminal 10 executes step S106 according to the signal indicating “OK only this time” received by the interface unit 13, or executes step S104 according to the signal indicating “no”. , Decide whether to pay. The flow after steps S104 and S106 is the same as that in the first embodiment.

  The first modification is also effective in the second embodiment. In this case, the payment confirmation application 270 and the payment management application 280 are used.

  Next, processing different from that of the first embodiment for editing the condition list will be described.

  The control unit 21 of the portable terminal 20 loads the “condition list list of payable conditions” 370 or “condition list list of unpaid conditions” 380 selected by the operator into the RAM in the control unit 21, Run as an application program. In the initial state, nothing is registered, and items such as items that should be paid or not payable are set as necessary.

  When the condition has already been registered in the condition list 26A stored in the data storage unit 26 of the mobile terminal 20, the control unit 21 of the mobile terminal 20 edits the condition list 26A.

  Since the editing screen and the editing work using the “condition list list of payable conditions” 370 and “condition list list of unpaid conditions” 380 are the same as those in the first embodiment, the description thereof is omitted here. .

  Hereinafter, the editing end operations of “condition list list of payable conditions” 370 and “condition list list of unpaid conditions” 380 are common.

When the editing of the condition list 26 </ b> A on the portable terminal 20 is completed, the operator presses “editing end” buttons 377 and 387. The control unit 21 detects that the “end editing” buttons 377 and 387 are pressed from the display / input unit 27, and if necessary, leaves a copy as a backup for the condition list 26A stored in the data storage unit 26. The condition list created by the condition list editing applications 370 and 380 is overwritten as a new condition list 26A.
(Operational effect of modification 1)
In addition to the same operational effects as those of the first embodiment, the following functions and effects are achieved by the added functions. That is, in the first embodiment, the editing operation of the condition list by the mobile terminal 20 is performed even when the condition list 16A cannot be acquired from the mobile terminal 10 because, for example, a child with the mobile terminal 10 is in a place where radio waves do not reach. In the first modification, the condition list 26A is stored in the portable terminal 20 that is the own apparatus, so that it is read from the data storage unit 26 of the own apparatus, edited, and updated regardless of the location of the portable terminal 10. Therefore, it is possible to reflect the intention of the parent without delay in purchasing the child's product.
(Modification 2)
In the first to third embodiments to the first modification, the condition determination is performed based on the item name that is the classification of the product, but a specific product name may be used. However, in this case, it is necessary to instruct the condition list in detail, but it is effective for the parent guardian to grasp the purchase status of the child carrying the mobile terminal 10.
(Modification 3)
In the first to third embodiments to the first and second modifications, the “always useless” button may be added to the payment management application 180. The parent confirms the content displayed on the payment management application 180 based on the purchase information received from the mobile terminal 10, and can determine “always useless”. In this case, “impossible” is indicated in the “payment” item of the condition list 16A, and “item”, “maximum amount per day”, “distance / region”, and “number of times” are added as conditions for disabling payment. it can.

When it is determined that the parent's determination result is “always useless”, the payment confirmation application 170 determines that “payment is impossible” from the next time onward, so that the parent does not make the same useless decision and is not bothered. .
(Modification 4)
In the second embodiment, the case where the balance of the electronic money is insufficient has been described, but the credit function usage limit of the mobile terminal 10 may be changed. It is assumed that the amount of electronic money held by the mobile terminal 20 from which the electronic money is transferred, such as when the child purchases a product that is temporarily higher than the amount of the pocket money, etc. It is effective without missing the purchase opportunity.
(Modification 5)
In the first to third embodiments to the first to fourth modifications, the condition list 16A, 26A, and 36A may be added with a time range that allows payment or a time range that makes payment impossible. In this case, payment at a midnight convenience store by a child can be restricted.
(Modification 6)
In Embodiments 1 to 3 to Modifications 1 to 5, the “maximum amount per day” in the condition lists 16A, 26A, and 36A is the payment amount for the same “item” purchased in the past one day (24 hours). Although it is supposed to be added up, it is possible to set a fixed time such as midnight or 4 am as a break. For example, by setting midnight as a scheduled break, the same item purchased at 3:00 pm the previous day can be judged as another day even if it is purchased at 10 am the following day, and the purchaser is within 24 hours You don't have to be conscious of the condition of disabling.
(Modification 7)
In the first to third embodiments to the first to sixth modifications, the condition lists 16A, 26A, and 36A may be either a condition that allows payment or a condition that disables payment. In this case, the “condition list list of payable conditions” 370 or the “condition list list of unpaid conditions” 380 is one, and the system can be configured simply.

DESCRIPTION OF SYMBOLS 10 1st portable terminal 20 2nd portable terminal 30 Server 11,21,31 Control part 13,23,33 Network interface part 16,26,36 Data storage part 16A, 26A, 36A Condition list 60 POS terminal 70 Non-contact Type reader / writer 170,270 Payment confirmation application 180,280 Payment management application

Claims (18)

A first mobile terminal that stores conditions related to payment and determines whether payment is permitted or not based on the conditions;
A second communication terminal that communicates with the first portable terminal;
The first mobile terminal determines whether or not payment is possible with reference to the condition for the purchase target subject to which the purchase information has been input, and if it cannot be determined by the condition, the first mobile terminal pays the second mobile terminal. Send a signal to determine whether it is possible,
In response to the signal received from the first portable terminal, the second portable terminal sends a signal relating to whether payment is instructed to the first portable terminal by operating the second portable terminal. Send
The first mobile terminal determines whether or not payment is possible according to a signal regarding whether or not the payment is possible received from the second mobile terminal. A first mobile terminal;
A second communication terminal for storing payment-related conditions and communicating with the first portable terminal;
The first portable terminal transmits a signal for requesting the second portable terminal to determine whether or not to pay for the purchase target subject to which purchase information has been input,
The second mobile terminal transmits a signal relating to whether or not payment is possible with reference to the condition to the first mobile terminal according to the signal received from the first mobile terminal. If the determination is not possible, the second portable terminal is operated to send a signal relating to whether payment is instructed to the first portable terminal,
The first mobile terminal determines whether or not payment is possible according to a signal regarding whether or not the payment is possible received from the second mobile terminal. A first mobile terminal;
A server for storing payment-related conditions and communicating with the first mobile terminal;
A second portable terminal that communicates with the server,
The first portable terminal transmits a signal for requesting the server to determine whether payment is possible for the purchase target subject to the purchase information input;
The server transmits to the first portable terminal a signal related to whether payment is possible or not, which is determined with reference to the condition, according to the signal received from the first portable terminal, and cannot be determined based on the condition. Sends a signal to the second portable terminal for requesting determination of whether payment is possible,
In response to the signal received from the server, the second mobile terminal transmits to the server a signal related to whether payment is instructed by operating the second mobile terminal,
The server transmits a signal related to the availability of the payment received from the second mobile terminal to the first mobile terminal,
The system according to claim 1, wherein the first portable terminal determines whether or not payment is possible according to a signal regarding whether or not the payment is received from the server.   Among the above conditions, the conditions for allowing payment are the range of the amount that can be paid for the purchase target item, the range of the distance between the first portable terminal and the second portable terminal, The system according to any one of claims 1 to 3, including any one or more of a region of a position where the mobile terminal is present and a time range where purchase is possible.   Among the above conditions, the conditions for disabling payment are the lower limit value of the amount that cannot be paid, the lower limit value of the distance between the first mobile terminal and the second mobile terminal, The system according to any one of claims 1 to 4, including any one or more of a region of a position where one mobile terminal exists and a time range in which purchase is not possible. When the balance stored in the first portable terminal is insufficient with respect to the payment request amount from the settlement terminal, the first portable terminal transmits a signal for requesting addition of the amount to the second portable terminal. And
In response to the signal received from the first mobile terminal, the second mobile terminal transmits the instructed amount to the first mobile terminal by operating the second mobile terminal,
The said 1st portable terminal is provided with the function to add the said amount of money to the said balance according to the said signal received from the said 2nd portable terminal, The any one of Claims 1-5 characterized by the above-mentioned. The system described in. When the balance stored in the first portable terminal is insufficient with respect to the payment amount desired by the operator of the first portable terminal, the first portable terminal sends an amount of money to the second portable terminal. Send a signal to add
In response to the signal received from the first mobile terminal, the second mobile terminal transmits the instructed amount to the first mobile terminal by operating the second mobile terminal,
The said 1st portable terminal is provided with the function to add the said amount of money to the said balance according to the said signal received from the said 2nd portable terminal, The any one of Claims 1-5 characterized by the above-mentioned. The system described in. For the operation of instructing whether or not payment is possible, the second mobile terminal presents a choice that can be paid only at this time, always payable or not payable, and always pays by operating the second mobile terminal. If yes is selected, an instruction is given to add the information regarding the purchase target subject to be determined to be acceptable or not as a condition to make payment possible.
The system according to any one of claims 1 to 7, wherein the apparatus that stores the condition and determines whether payment is possible adds the information to the condition in accordance with the instruction. Storage means for storing payment-related conditions;
A first payment determining means for determining whether or not payment is possible with reference to the above-mentioned conditions for the purchase plan object;
A transmission means for transmitting a signal for requesting the external device to determine whether payment is possible or not when the first payment determination means cannot determine whether payment is possible according to the conditions;
Receiving means for receiving a signal relating to whether payment is received from the external device;
Second payment determining means for determining whether payment is possible or not in accordance with a signal relating to whether payment is received by the receiving means;
A portable terminal comprising:   The external device transmits a signal relating to whether payment is instructed by operating the external device to the mobile terminal in response to the signal for determining whether the payment is received received from the mobile terminal. The mobile terminal according to claim 9, wherein Storage means for storing payment-related conditions;
A payment determination means for determining whether or not payment is possible with reference to the above-mentioned conditions for a purchase plan object;
When the payment determination means cannot determine whether payment is possible or not according to the conditions, a transmission means for transmitting a signal for determining whether payment is possible to an external device;
Receiving means for receiving a signal relating to whether payment is received from the external device;
Condition receiving means for causing the storage means to add information relating to the purchase target to the condition as a condition allowing payment, to the storage means when the receiving means always receives payment as a signal relating to whether payment is possible or not,
A portable terminal comprising: Storage means for storing payment-related conditions;
A receiving means for receiving information related to the purchase target from the mobile terminal;
Payment determination means for determining whether or not payment is possible with reference to the conditions for the information on the purchase target received from the mobile terminal;
If the payment determination means cannot determine whether payment is possible or not according to the conditions, display means for displaying whether payment is possible,
An input means for selectively inputting whether or not the payment is displayed by the display means;
Conditional updating means that, when the payment is always selected by the operation of the input means, causes the storage means to add information relating to the purchase schedule target to the condition as a condition that enables payment;
A device comprising: Storage means for storing payment-related conditions;
First receiving means for receiving information on a purchase schedule target from a mobile terminal;
First payment determination means for determining whether or not payment is possible with reference to the conditions for the information related to the purchase target received from the first reception means;
A transmission means for transmitting a signal for requesting the external device to determine whether payment is possible or not when the first payment determination means cannot determine whether payment is possible according to the conditions;
Second receiving means for receiving a signal relating to whether payment is received from the external device;
Second payment determining means for determining whether payment is possible or not in response to a signal relating to whether payment is received received from the second receiving means;
Condition update that causes the storage means to add information relating to the purchase target to the condition as a condition for allowing payment when the signal is always received as a signal regarding whether payment is possible by the second receiving means Means,
A device comprising:   The said external apparatus transmits the signal regarding the propriety of the payment instruct | indicated by operating the said external apparatus to the said apparatus according to the signal for calculating | requiring the judgment of the payment possibility to the said apparatus. The device described.   A program for causing two portable terminals to function as first and second portable terminals in the system according to any one of claims 1 to 8.   A program for causing two portable terminals and a server to function as the first and second portable terminals and the server in the system according to claim 3.   A program for causing a mobile terminal to function as the mobile terminal according to any one of claims 9 to 11. A program that causes a computer to function as the device according to any one of claims 12 to 14.