JP2001202429A - Method and system for settlement using portable telephone set and storage medium stored with program for settling method using portable telephone set - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a settlement by reading a bar code displayed on a portable telephone set with an image display function at a store equipped with a bar code reader. SOLUTION: The price and transaction code of an article, the ID of a portable telephone contractor, etc., are displayed as a bar code and information of them is sent and received through the Internet, etc.; and a bar code settlement store and/or a 3rd institution is interposed between a selling company and the portable telephone contractor to secure the safety of commercial transaction and make the transaction easy and speedy.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement using a portable telephone capable of reading a bar code displayed on a portable telephone having an image display function at a store provided with a bar code reader and performing settlement. The present invention relates to a method and a payment system using a mobile phone, and a storage medium storing a program of a payment method using a mobile phone.

The present invention displays a bar code on a display unit of a mobile phone having an image display function, thereby ensuring security on a communication line such as the Internet or in a transaction in mail-order sales, and at the same time as securing a settlement in distribution. It achieves simplicity and speed. The present invention is characterized in that a bar code displayed on a mobile phone has a settlement function.

[0003]

2. Description of the Related Art Conventionally, when ordering a product via a communication line such as the Internet, a user can know the product name, the name of a sales company, and the like by using a computer, and can place an order on the spot. The commercial transaction via the communication line such as the Internet does not require an intermediate cost, has little inventory, and can be sold at low cost.
Further, the transaction can shorten the time from the order of the user to the receipt of the product. Further, the user can quickly find a desired product from many types of products, and obtain a cheap product. As described above, the commercial transaction has many advantages for both the user and the sales company.

[0004] Further, when ordering or shopping by mail order through a communication line such as the Internet, the user informs the sales company of the credit card number,
Alternatively, settlement is performed by bank transfer or the like. However, giving this credit card number to the seller is
Even if the sales company is a trusted company, in the case of transactions or mail-order sales via a communication line such as the Internet, there is a risk that someone will be known without your knowledge.

[0005]

Commerce and mail-order sales via a communication line such as the Internet have many of the above advantages. On the contrary, since the trust of the sales company that sells the goods and the trust of the user are not known, it is illegal. May be a hotbed for trading. For example, there are problems such as a transfer of the cost for the product but no delivery of the product, and a delivery of the product but no transfer of the cost. The present invention is intended to solve the above-described problems, and enables secure transactions for both users and sales companies, even in commerce and mail-order sales via communication lines such as the Internet. is there.

[0006] The present invention provides a settlement method using a portable telephone, a settlement system using a portable telephone, and a portable communication system capable of performing safe and convenient business transactions simply and quickly by using a communication line such as the Internet and a portable telephone. An object of the present invention is to provide a storage medium in which a program of a settlement method using a telephone is stored.

[0007]

(First Invention) A settlement method using a mobile phone according to the present invention is a transaction code suitable for an order from a contractor who has registered a payment method using a bar code displayed on the mobile phone. And a bar code indicating the price is transmitted from the sales company to the mobile phone subscriber. The bar code is received by the mobile phone of the mobile phone subscriber, and displayed by the image display means. A second step of settling the price indicated on the barcode at the payment store, a third step of sending the product from the sales company that has received the settlement notification of the mobile phone contractor to the mobile phone contractor, The steps are performed by an information processing device including a mobile phone, a POS device, a computer, a communication unit, and the like.

(Second Invention) A settlement method using a mobile phone according to the present invention is characterized in that a third party intervenes as a credit institution between the second step and the third step of the first invention. I do.

(Third invention) A settlement method using a portable telephone according to the present invention is characterized in that the sales company and the barcode settlement store are the same.

(Fourth invention) In the settlement method using the portable telephone of the present invention, the bar code is transmitted from a sales company to a contractor who has registered the settlement method using the bar code displayed on the portable telephone on a monthly basis. It is characterized by.

(Fifth invention) In the settlement method using a mobile phone according to the present invention, the contractor and the sales company who have registered the settlement method using the barcode displayed on the mobile phone, and the sales company and the barcode payment store, Are connected by a network.

(Sixth invention) A settlement method using a portable telephone according to the present invention is a bar code obtained when a contractor who has registered a settlement method using a bar code displayed on the portable telephone registers with a third party. A first step of displaying an ID consisting of the bar code on the image display means of the mobile phone, when the mobile phone subscriber makes a payment, the ID consisting of the bar code and the price of the product are read by the bar code reader of the bar code payment store. A second step of reading, the bar code read by the bar code reader is transmitted to a third party, an inquiry of an ID consisting of the bar code, a settlement of a price of a product consisting of the bar code, and A third step of performing a withdrawal process;
It is performed by an information processing device including a POS device, a computer, a communication unit, and the like.

(Seventh Invention) A settlement method using a mobile phone according to the present invention is a bar code obtained when a contractor who has registered a settlement method using a bar code displayed on the mobile phone registers with a third party. A first step of displaying an ID consisting of the bar code on the image display means of the mobile phone, when the mobile phone subscriber makes a payment, the ID consisting of the bar code and the price of the product are read by the bar code reader of the bar code payment store. A second step of reading, wherein the barcode read by the barcode reader is transmitted to a third party, and after the inquiry of the ID composed of the barcode is completed, another barcode for settlement is transmitted. 3) After the payment barcode is received by the mobile phone, the payment barcode read by the barcode reader is transmitted to a third party. , And carrying out a fourth step of performing processing for the price of commodity is settled immediately, the steps mobile phone, POS device, a computer, an information processing apparatus including a communication unit or the like.

(Eighth Invention) In the settlement method using a mobile phone according to the present invention, the information processing apparatus in a third party organization that constitutes a payment system using the mobile phone performs scramble processing or encryption processing on the barcode. It is characterized by being able to do.

(Ninth Invention) In the settlement method using a mobile phone according to the present invention, the third party is intended for a financial institution, a credit sales company, a transportation company, a convenience store, a supermarket, a department store, and a barcode settlement. It is one of the companies that did.

(Tenth Invention) In a settlement system using a portable telephone according to the present invention, an information processing device in a third party organization constituting the settlement system using the portable telephone comprises a bar for displaying a transaction code and a price of a product. A bar code issuing unit that issues a code, a memory device that stores a contractor who has registered a settlement method using a bar code displayed on a mobile phone and its ID as a bar code, and a transmitting and receiving unit that transmits and receives the bar code information. , At least.

(Eleventh invention) In a settlement system using a portable telephone according to the present invention, an information processing device in a third party organization constituting the settlement system using the portable telephone includes a payment notice and a product receipt notice receiving means. It is characterized by having.

(Twelfth Invention) In a settlement system using a portable telephone according to the present invention, an information processing device in a barcode settlement shop constituting the settlement system using the portable telephone uses a barcode displayed on the portable telephone. A barcode reader that reads barcode information that displays the ID of the contractor who registered the settlement method, a transaction code, and the price of the product, and a cash register that deposits an amount based on the information read by the barcode reader. And remittance means for remittance to a predetermined sales company based on the barcode information.

(Thirteenth Invention) In the settlement system using the portable telephone according to the present invention, the information processing device in the barcode settlement store constituting the settlement system using the portable telephone includes a receipt notice and a commodity receipt notice receiving means. It is characterized by having.

(14th Invention) In the settlement system using the portable telephone according to the present invention, the information processing device in the sales company constituting the settlement system using the portable telephone is
A receiving device that receives an order from a contractor who has registered a settlement method using a barcode displayed on a mobile phone, a transaction code reading unit that reads a transaction code received from the mobile phone subscriber by the receiving device, A barcode issuing unit that converts the price into a barcode based on the code, a mobile phone contractor ID issuing unit that issues the ID of the mobile phone contractor ordered by the receiving device, the barcode issuing unit, And a transmitting device for transmitting the barcode issued by the mobile phone contractor ID issuing unit to a third party organization.

(Fifteenth Invention) In a settlement system using a portable telephone according to the present invention, an information processing device in a sales company constituting the settlement system using the portable telephone comprises:
It is characterized by comprising at least a transmission device for transmitting a bar code indicating a transaction code, a product price, and a mobile phone subscriber ID to a subscriber who has registered a settlement method using the bar code displayed on the mobile phone. .

(Sixteenth Invention) In a settlement system using a mobile phone according to the present invention, the barcode issued by the barcode issuing section is scrambled or encrypted at the time of transmission.

(Seventeenth Invention) In the settlement system using the portable telephone according to the present invention, the portable telephone constituting the settlement system using the portable telephone cancels the scrambled or encrypted barcode into a normal barcode. At least a scrambling or decryption canceling means.

(Eighteenth Invention) In a settlement system using a mobile phone according to the present invention, the time for canceling the scramble or the encryption of the barcode is only a predetermined time.

(Nineteenth Invention) A storage medium according to the present invention comprises:
A program of a settlement method using a mobile phone for carrying out the method of the invention to the ninth invention is stored.

[0026]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention makes it possible to carry out safe, simple and quick commercial transactions by utilizing an image display function provided in a portable telephone. That is, according to the present invention, the price of a product, a transaction code, the ID of a mobile phone subscriber, and the like are displayed by a bar code, transmitted and received via a communication line such as the Internet, and the communication between the sales company and the mobile phone subscriber is performed. By intervening barcode payment stores and / or third parties in between,
This secures the security of business transactions and enables easy and quick transactions. In the present specification, a person who uses the barcode settlement method of the present invention is hereinafter simply referred to as a “mobile phone subscriber”.

The bar code settlement store of the present invention typically includes a convenience store, a supermarket, a family restaurant, and the like.
Any store, company, or institution having an OS terminal or the like may be a private store or a large store. For example, in addition to the above, the barcode settlement store of the present invention includes, for example, a bookstore, a gas station, an amusement park, a bank, and other financial institutions. The barcode settlement store of the present invention is not particularly limited as long as the store includes an information processing device having a barcode reader and a transmission / reception unit such as a computer.

The bar code is composed of at least three types, such as the price of the product, the name of the product, the type of the product, the standard, the transaction code including the transaction type, and the ID of the mobile phone subscriber. The barcode reader that reads the barcode may read the barcode in three parts or in one part. When the barcode is read three times, a conventional barcode reader in a convenience store or the like can be used as it is.

(First Invention) A person who wishes to carry out the commercial transaction of the first invention, for example, registers at a barcode settlement store to perform a settlement method using a barcode displayed on a mobile phone, and registers an ID number using a barcode. Get. The contractor who has registered the settlement method using the barcode displayed on the mobile phone orders a product with a sales company via a communication line such as the Internet, for example. The sales company transmits a bar code indicating the transaction code and price ordered to the mobile phone subscriber (first step).

The portable telephone subscriber receives the barcode transmitted from the sales company by the portable telephone, and at the same time, stores the barcode in the memory device of the portable telephone. Thereafter, the mobile phone subscriber goes to the barcode payment store, and the barcode displayed on the image display unit of the mobile phone is read by the barcode reader of the barcode payment store, and the image display unit of the mobile phone is read. (Step 2).

The information processing device in the barcode settlement store notifies the sales company that the settlement of the product has been performed by the mobile phone subscriber through a communication device or a communication line such as the Internet. The information processing device of the sales company that has received the notification indicates the product name, the mobile phone contractor I
D. A process for sending the product to the mobile phone contractor together with a shipping slip in which the price and the like are displayed by a bar code is performed (step 3).

If necessary, the shipping slip can be transmitted to the portable telephone at the same time as or separately from the product by a bar code. In such a case, the mobile phone subscriber reads the barcode at the barcode settlement store after shopping. The information processing device in the barcode settlement store can confirm that the mobile phone contractor has received the product by the barcode, and thus can perform processing for remitting the price of the product to the sales company. .

Each of the above-mentioned steps is performed when the portable telephone subscriber goes to a bar code settlement store and when the merchandise is dispatched from the sales company to the portable telephone subscriber. It can be automatically processed by an information processing device including a communication unit and the like.

In the first invention, the barcode indicating the transaction code, the mobile phone contractor ID, and the price of the product is transmitted to the mobile phone. However, even if another person intercepts the barcode, it is worth exploiting. Not something. Further, in the first invention, since the barcode settlement store is located between the sales company and the mobile phone subscriber, the sales company that has received the settlement notification while the settled money is at the barcode settlement store can change the product. You can ship with confidence.

The mobile phone subscriber can settle a contract with a nearby convenience store or the like, if necessary, so that the user can make a payment along with ordinary shopping, so that the payment can be made conveniently, simply, and quickly. If the sales company has concluded a contract so that payment can be made anywhere in the convenience store chain store, the mobile phone subscriber can use it at any convenience store near his home or at any convenience store near his office. Settlement becomes possible.

(Second Invention) In the second invention, a third party is interposed as a credit institution between the barcode settlement store and the sales company. As the third party, for example, a credit company, a financial company such as a bank, a company established to perform a settlement method using a mobile phone, and the like, are trusted by both the mobile phone subscriber and the sales company. If it is a certain company, it is not limited to the said company.

(Third Invention) According to the third invention, since the sales company and the barcode settlement store are the same, a third party intervening as a credit institution can make business transactions more secure. In a convenience store with many chain stores, if all stores have the same product inventory,
Since waste is increased, mail-order sales and Internet sales are sometimes performed. It is also suitable when the sales company and the convenience store jointly sell. If the convenience store is a major company and the shipment of goods is compensated, a credit institution is not required.

(Fourth Invention) A fourth invention is a method according to the present invention, in which a sales company sets a monthly fee such as a public charge such as newspaper, television, gas, water, and electricity, a rent, a parking lot charge, a monthly fee, or a predetermined calculation method. It is a method of settling the amount determined by the payment. The settlement method of the fee is, besides the automatic payment by the bank, a transfer to the bank each time or a collector goes to each household to collect the fee. According to the fourth aspect of the present invention, since the fee is transmitted to the mobile phone and payment can be made along with shopping, the transfer is not forgotten, and the labor cost of the collector is not required.

(Fifth Invention) According to a fifth invention, a mobile phone contractor and a sales company that have registered a payment method using a bar code displayed on a mobile phone, and the sales company and a bar code payment store are each connected to the Internet or the like. Connected by network. In particular, the time required for the barcode to be transmitted after the mobile phone contractor places an order with the sales company is short, and the payment can be instantly notified by the network connection between the sales company and the barcode payment store. The time from the contractor's ordering of the product to the receipt of the product can be shortened, and the time required for the process can be reduced.

(Sixth invention) In the sixth invention, a mobile phone contractor who desires a settlement method using a bar code displayed on a mobile phone makes a contract with a third party such as a financial institution, for example, to make a settlement. Get an ID consisting of a barcode. The barcode is stored in the memory device of the mobile phone, but if the owner of the mobile phone does not display the barcode on the image display means, the ID is used even if the mobile phone is stolen. Never.

When the user goes to a barcode settlement store and makes a purchase, the mobile phone displays the barcode. The barcode settlement store reads the ID and the price of the product from the barcode using a barcode reader. The barcode read by the barcode reader is transmitted to the information processing device of the third party organization to inquire about the ID consisting of the barcode, settle the price of the product consisting of the barcode, and Perform debit processing. Since these processes are performed by an information processing device including a mobile phone, a POS device, a computer, a communication unit, and the like, the mobile phone has a function substantially equivalent to a credit card.

(Seventh invention) The seventh invention is different from the sixth invention in that settlement and debit can be performed immediately by the communication function of the mobile phone and the barcode displayed on the image display means. I have. When a mobile phone contractor makes a payment at a barcode payment store, the barcode displayed on the image display means of the mobile phone is read by a barcode reader at the barcode payment store.
The barcode read by the barcode reader is transmitted to a third party by an information processing device at a barcode settlement store.

The information processing device in the third party organization analyzes the transmitted barcode, and if it is determined that the payment can be made based on barcode information such as an ID, Send different payment barcodes to your mobile subscriber. The payment barcode is immediately received by the mobile phone of the mobile phone subscriber and read by the barcode reader. The settlement barcode is further transmitted to a third party, and the information processing device of the third party performs a process for immediately deducting the price of the product from the account of the mobile phone subscriber.

(Eighth Invention) The eighth invention is for enhancing the security when an account is immediately debited as in the seventh invention, and is realized by scrambling or encrypting a bar code. , You can get high security in business. The descrambling or decryption can be easily performed by the mobile phone subscriber inputting a password or the like to the mobile phone. If the mobile phone having the barcode settlement function is configured as in the eighth invention, even if it is lost, the barcode cannot be misused.

(Ninth Invention) The third party in the ninth invention is a financial institution, a credit company, a transportation company, a convenience store, a supermarket, a department store,
It is one of the companies for bar code payment. Further, the third party can also serve as a barcode settlement store.

(Tenth Invention) A tenth invention is an information processing device in a third party organization required for a payment system using a mobile phone for performing payment using a bar code displayed on an image display device of the mobile phone. The information processing apparatus needs at least a barcode issuing unit, a memory device for storing information necessary for the system, and a transmitting / receiving unit for transmitting / receiving a barcode or the like, in addition to the normal control unit.

The bar code issuing unit, based on the transaction code transmitted from the sales company, a product name, a product price,
The mobile phone subscriber ID can be converted into a barcode. The memory device stores an I-mail of a contractor who has registered a payment method using a bar code displayed on the mobile phone.
D is a bar code or stored as a code. Further, the memory device needs to temporarily or permanently store information sent from a sales company and information in a third party organization. The memory device is also required to temporarily display a barcode to be transmitted to a mobile phone subscriber.

(Eleventh Invention) Since the third-party organization of the eleventh invention needs to be trusted by both the sales company and the cellular phone subscriber, the third-party organization provides a means for receiving a payment notice and a product receipt notice to the system. Has adopted. In the payment notification, the information processing device of the third party informs the sales company that there has been payment from the contractor who has registered the payment method using the barcode displayed on the mobile phone with the third party.

The commodity receiving notice receiving means in the information processing apparatus informs the third party that the cellular phone contractor has received the commodity, and enables the remittance to the sales company. By adopting the system as in the eleventh aspect, in a commercial transaction on a communication line such as the Internet, it is ensured that no merchandise has been sent or that no merchandise has been sent but no money has been paid.

(Twelfth Invention) A twelfth invention is an information processing device in a barcode payment store required for a payment system using a mobile phone for performing payment using a barcode displayed on an image display device of the mobile phone. The information processing apparatus needs at least a barcode reader, a cash register such as a POS terminal, and a remittance unit capable of performing settlement via a bank or the like, in addition to a normal control unit.

The bar code reader can read bar code information, such as the ID of the mobile phone subscriber, a transaction code, and the price of the product, transmitted from the sales company or a third party to the mobile phone. Things. The cash register has a POS terminal function and stores payment based on barcode information read by the barcode reader. Thereafter, the remittance means remits the received amount to a sales company or a third party.
For example, the remittance means can be processed by a computer by adopting a settlement method using a communication line such as the Internet.

(Thirteenth Invention) Since the barcode settlement store of the thirteenth invention needs to be trusted by both the sales company and the mobile phone subscriber, a receipt notification system and a product receipt notification receiving means system are employed. Then it is convenient. The payment notification informs the sales company that a payment has been received from a contractor who has registered the payment method using the barcode displayed on the mobile phone at the barcode payment store. By obtaining the payment notice, the sales company
Products can be shipped to mobile phone subscribers with confidence.

The barcode settlement store serving as a credit institution needs to have a receiving means for knowing that the mobile phone subscriber has received the product. After obtaining the goods receipt notification from the mobile phone contractor by the receiving means, the barcode settlement store remits the price of the goods to the sales company.
The system for making payments described above has no trouble between the sales company and the mobile phone subscriber even when conducting business transactions through communication lines such as the Internet or mail-order sales, and trusts each other through the barcode payment store. Commerce is possible.

(Fourteenth Invention) A fourteenth invention is an information processing apparatus in a sales company required for a payment system using a mobile phone for performing payment using a bar code displayed on an image display device of the mobile phone. The information processing device,
In addition to the normal control means, at least a receiving device capable of receiving an order of a mobile phone subscriber, a transaction code reading unit capable of reading a transaction code, a barcode issuing unit corresponding to a product, and a mobile phone subscriber ID An issuing unit and a transmitting device that can transmit each of these pieces of information are provided.

The information processing device in the sales company receives an order for a product from a mobile phone subscriber via a network by a receiving device. Next, the information processing apparatus includes:
The transaction code for the product ordered by the mobile phone contractor is read, and barcode information such as the price for the product is issued by the barcode issuing unit. Further, the information processing apparatus issues the mobile phone subscriber ID registered in advance, for example, as a bar code. Thereafter, the issued price, the barcode representing the mobile phone subscriber ID, and the like are transmitted to the third party by the transmission device. The information processing devices in the third-party organization, the barcode settlement store, and the mobile phone subscriber are as described above.

(Fifteenth Invention) In the fourteenth invention, the information processing device of the sales company in the fifteenth invention transmits barcode information from a transmitting device to a third party organization.
A payment method using a bar code displayed on a mobile phone can be directly transmitted to a registered contractor. With such a system, it is possible to provide security, simplicity, and quickness of commercial transactions.

(Sixteenth Invention) A sixteenth invention is for making the settlement method using the barcode displayed on the mobile phone of the present invention a more secure transaction. The barcode issuing unit of the present invention is scrambled or encrypted when transmitting the issued barcode. The barcode that has been processed is safe because even if it is intercepted by another person, its contents are unknown.

(Seventeenth Invention) A seventeenth invention causes a portable telephone to perform processing for canceling the scramble or darkness into a normal bar code. The mobile phone includes a scramble or decryption canceling unit for decrypting the scrambled or encrypted barcode into a normal barcode. When the mobile phone subscriber enters a special number, the scramble or decryption means,
The scramble or the descrambling is released, and a normal bar code can be obtained.

(Eighteenth Invention) According to an eighteenth invention, scramble or encryption is canceled only when bar code settlement is performed.
If the mobile phone is lost or stolen, the bar code cannot be misused. In other words, the scrambled or encrypted version of the transmitted barcode is re-scrambled or decrypted after a predetermined period of time, even if the mobile phone subscriber releases it. I have. According to the eighteenth aspect, even if a mobile phone has a function like a credit card, it can be made more secure than a credit card.

(Nineteenth Invention) A nineteenth invention is a storage medium storing a program of a settlement method using the mobile phone according to the first invention to the ninth invention. The storage medium may be of any type as long as it is used for a normal information processing device.

[0061]

FIG. 1 is a first embodiment of the present invention, and is a conceptual block diagram for explaining an example in which a barcode settlement store and a third party intervene in a commercial transaction between a sales company and a mobile phone subscriber. It is a block diagram. In FIG. 1, numbers indicate the order of procedures or processes. The sales company I is, for example, a company that conducts business transactions using a communication line such as the Internet, or a mail-order sales company that conducts business transactions using other communication means.

The third party B is a financial institution such as a bank or a credit sales company, a transportation company, or a company established for performing bar code settlement. The barcode settlement store S is a store having a barcode reader, a POS terminal, and the like, such as a convenience store, a family restaurant, a department store, a bookstore, a gas station, and an amusement park.
The mobile phone contractor U is a contractor who has registered a settlement method using the bar code displayed on the image display means of the mobile phone.

The bar code settlement system according to the present embodiment is intended to secure the security of business transactions and to obtain simplicity and speed by the four parties. For example, first, the sales company I and the third party B mutually make a contract and / or registration (1) with each other to support sales by bar code settlement using a mobile phone. At the same time, the third party B and the person who wants the settlement method using the barcode displayed on the mobile phone register (2) that the settlement method is performed using the barcode displayed on the mobile phone.
Further, the third party B issues an ID (3) consisting of a barcode or a number to the contractor U who has registered the settlement method using the barcode displayed on the mobile phone.

For example, the sales company I puts out a product advertisement through a homepage on the Internet and also advertises that bar code settlement is possible. A contractor U (hereinafter simply referred to as a mobile phone subscriber) who has registered a settlement method using a bar code displayed on the mobile phone looks at a homepage on the Internet, inputs a desired transaction code and the ID, and Place an order (4) for a product. The information processing device of the sales company I transmits the barcode to the third party at the same time as accepting the product order from the mobile phone subscriber U (5).

Upon receiving the bar code, the information processing device of the third party organization B, upon receiving the bar code,
The barcode sent from the sales company I is automatically transmitted (6). The mobile phone contractor U displays the barcode transmitted from the third party organization B on the image display unit of the mobile phone, and goes to a nearby barcode payment store S to perform payment (7) using a barcode reader. . The terminal of the barcode settlement store S knows from the barcode that the payment is for the merchandise of the sales company I, not the price of the merchandise sold in its own store, and remits to a third party (8). Perform the following processing.

The information processing device of the third party organization B knows that the remittance has been sent from the barcode settlement store S, and at the same time sends a payment notice (9) to the sales company I. The information processing device of the sales company I confirms that the price for the product ordered by the mobile phone contractor U has been transferred to the third party B, and sends the product to the mobile phone contractor U (10). Perform processing to perform. The information processing device of the third party organization B,
In consideration of the time when the product is dispatched, a process is performed such that the price for the product is automatically transferred to the sales company I after a certain period of time. The mobile phone contractor U requests the third-party organization B to perform a process for not transferring the price of the product to the sales company I when the product is not sent even after the predetermined period has elapsed. Can be.

As described above, the image display function of the mobile phone and the barcode are used, and the barcode settlement store S in the neighborhood of the third party B which is a credit institution and the mobile phone subscriber U is interposed. By doing so, the security of commerce,
The convenience of payment and the time from ordering an item to shipping or depositing the item can be reduced. Further, since the third-party organization B and the barcode settlement shop S can be almost automatically operated only by inserting software into an information processing device such as a computer, the labor is not required. Further, for example, the third party B may be capable of storing exchanges of barcode information and the like.

FIG. 2 is a conceptual block diagram illustrating a second embodiment of the present invention for explaining an example for further securely executing the commercial transaction in FIG. In FIG. 2, numbers indicate the order of procedures or processes. In the bar code settlement system of the present embodiment, for example, first, the bar code settlement store S and the third party B mutually contract and / or mutually contract to support sales by bar code settlement using a mobile phone.
Alternatively, registration (1) is performed.

At the same time, the bar code settlement store S
The mobile phone contractor U has registered (2) that the settlement method using the bar code displayed on the mobile phone is to be performed. The mobile phone subscriber U and the barcode settlement store S
Does not necessarily need to be registered. Further, if necessary, the barcode settlement store S may be a mobile phone subscriber U
Can be issued with a barcode or number.

The mobile phone contractor U looks at, for example, a homepage on a communication line such as the Internet of the sales company I, and obtains a desired transaction code, his / her own mobile phone number,
D or the like is input to order the product (3). The information processing device of the sales company I converts the information into a barcode and transmits the barcode to the mobile phone subscriber U at the same time as accepting a product order from the mobile phone subscriber U (4). . The mobile phone subscriber U displays the barcode transmitted from the sales company I on the image display unit of the mobile phone, goes to a nearby barcode payment store S, and performs payment (5) using a barcode reader. Do. The terminal of the barcode settlement store S knows from the barcode that the payment is for the merchandise of the sales company I, not the price of the merchandise sold in its own store, and remits to the third party B (6). ).

The information processing device of the third party organization B knows that the remittance has been sent from the barcode settlement store S, and at the same time, performs a process for notifying the sales company I of the payment (7). The information processing device of the sales company I confirms that the price for the product ordered by the mobile phone contractor U has been transferred to the third party B, and sends the product to the mobile phone contractor U (8). Perform processing to perform. The mobile phone contractor U, for example, brings the product receipt notice (9) displaying the attached barcode to the barcode settlement store at the same time as the shipment of the product, and has the barcode reader read it. .

The terminal of the bar code settlement store S reads the bar code displayed on the commodity receipt notice, determines the contents of the bar code, and notifies the information processing device of the third party B of the receipt notice. (10) is transferred. The information processing device of the third party organization B performs a process for remittance (11) to the sales company I by receiving the receipt notification.

In the settlement system based on the barcode shown in FIG. 2, after the price of the goods is paid to the third party B which is a credit institution, the goods are sent from the sales company I to the mobile phone contractor U. After confirming that the mobile phone contractor U has received the goods, the price of the goods is paid from the third party B to the sales company I. Can be secured. In addition, the mobile phone subscriber U can easily go to the barcode settlement store S where usual shopping is performed in the neighborhood and perform barcode settlement and product receipt notification after shopping.

FIG. 3 is a conceptual block diagram of a third embodiment of the present invention, illustrating an example in which a third party in FIG. 1 is omitted. In FIG. 3, in the barcode settlement system of the present embodiment, for example, first, a barcode settlement store S and a mobile phone contractor U mutually contract and / or register (1) for performing sales by barcode settlement. ) Can be done. If necessary, the barcode settlement shop S can issue an ID consisting of a barcode or a number to the mobile phone subscriber U.

The mobile phone contractor U looks at a homepage on a communication line such as the Internet of the sales company I, and obtains a desired transaction code and his / her mobile phone number or ID.
And the like, and order (2) of the product. When the ID is composed of a barcode, the mobile phone subscriber U can have the barcode transmitted when registering in the barcode settlement store S in advance and store it in the memory device of the mobile phone. The information processing device of the sales company I receives a product order from the mobile phone contractor U and, at the same time, transmits a barcode to the mobile phone contractor U (3).

The mobile telephone contractor U is assigned to the sales company I
Is displayed on the image display unit of the mobile phone, and the registered barcode settlement store S
And perform bar code settlement (4) using a bar code reader. The terminal of the barcode settlement store S knows from the barcode that the payment is for the merchandise of the sales company I, not the price of the merchandise sold in its own store, and notifies the sales company I of payment (5). Perform processing for performing

The information processing device of the sales company I knows that the price for the goods ordered by the mobile phone contractor U has been transferred to the barcode settlement shop S, and sends the goods to the mobile phone contractor U (6). Is performed. The mobile phone contractor U brings the goods receipt notice (7) displaying the barcode attached to the shipping slip of the goods to a barcode settlement shop, and has the barcode reader read it.

The terminal of the bar code settlement store S reads the bar code displayed on the commodity receipt notice, determines the contents of the bar code, and performs the process of remittance (8) to the sales company I. . If the mobile phone contractor U has made a barcode payment and has not shipped the product within a certain period of time, the mobile phone contractor U can request the barcode settlement store S not to remit.

In the payment system using a bar code shown in FIG. 3, the bar code payment store S works as a credit institution,
Once the price of the goods has been paid to the barcode settlement store S, the goods are sent from the sales company I to the mobile phone contractor U, and it is confirmed that the mobile phone contractor U has received the goods. Since the consideration is paid from the barcode settlement store S to the sales company I, it is possible to ensure security in both the sales company I and the mobile phone subscriber U.

Further, the mobile phone contractor U can easily perform bar code settlement and product receipt notification after shopping just by registering at the bar code settlement store S where regular shopping is performed in the neighborhood. Although the barcode settlement system shown in FIG. 3 omits a third-party financial institution, it is sufficient as a credit institution when the barcode settlement store is a large convenience store or the like. Since large convenience stores are located nationwide, barcode settlement can be made possible even in the vicinity of work or travel.

FIG. 4 is a conceptual block diagram illustrating a fourth embodiment of the present invention, in which a bar code settlement store in FIG. 1 is omitted. In FIG. 4, the bar code settlement system according to the present embodiment includes, for example,
Sales company and barcode settlement store S and mobile phone subscriber U
It is composed of Then, the sales company / barcode settlement store S concludes a business alliance (1) with the third party organization B.
Further, the third party B and the mobile phone contractor U make a contract and / or registration (2) for selling by bar code settlement. Further, the third party B sends an ID (3) consisting of a number or a bar code to the mobile phone subscriber U.
Issue

The mobile phone contractor U looks at a homepage or a mail order advertisement on a communication line such as the Internet of the sales company and bar code settlement shop S, inputs a desired transaction code and his / her ID, etc. Order (4).
The information processing device of the sales company and the barcode settlement store S accepts a product order from the mobile phone contractor U and, at the same time, issues a barcode such as the product name of the order, the ID, and the price of the product. The settlement barcode is transmitted to the third party organization B (5). The information processing device in the third party organization B transmits the barcode to the mobile phone subscriber U (6).

The mobile phone contractor U displays the bar code transmitted from the sales company and bar code settlement shop S on the image display section of the mobile phone, and goes to the sales company and bar code settlement shop S to check the bar code. The bar code settlement (7) is performed by the code reader. The terminal of the sales company and the barcode settlement store S knows the payment of the product from the barcode and performs processing for sending the product to the mobile phone subscriber U (8). The sales company and barcode settlement store S is the ID of the mobile phone contractor U who sent the product.
And the details such as product shipment are issued to a third party organization (9).

In the bar code settlement system shown in FIG. 4, the merchandise is sent and settled by the sales company and the bar code settlement shop S. The merchandise name, the price of the merchandise, and the ID of the mobile phone subscriber U , Barcodes, etc. are sent to the mobile phone subscriber U via the third party organization B, so even if a trouble occurs, it can be easily resolved by the third party organization B As well as effective as a credit institution. When a transport company becomes a third party organization B, both credit institutions and goods can be transported, which is efficient.

FIG. 5 is a conceptual block diagram illustrating a fifth embodiment of the present invention, in which shopping is performed at a barcode settlement store. The mobile phone contractor U performs shopping or the like with a third party B, for example, a bank by bar code settlement, and performs registration (1) for debiting from a bank account. Third party organization B
Issues an ID consisting of a barcode or a number that can be displayed on the image display means of the mobile phone to the mobile phone subscriber U (2). Further, the third-party organization B and the barcode settlement shop S mutually enter into a business alliance (3).

The mobile phone contractor U goes to the barcode settlement shop S to purchase goods or eat (4). When making a payment at the bar code settlement store S, the mobile phone contractor U causes the bar code reader of the bar code settlement store S to read the bar code displayed on the image display means of the mobile phone (5). ID of the mobile phone subscriber U
And the amount to be paid is transmitted to the third party organization B as barcode information. The information processing device in the third party inquires the ID based on the barcode information, and performs a process (6) for debiting a predetermined amount from the account of the mobile phone subscriber U known from the ID.

The bar code consisting of the ID displayed on the image display means of the portable telephone corresponds to the credit card number, and is transmitted through an information processing device including a portable telephone, a POS device, a computer, and communication means. As a result, a function substantially equivalent to a credit card can be exhibited.

FIG. 6 is a conceptual block diagram illustrating an example of a sixth embodiment of the present invention in which immediacy and security when shopping at a barcode settlement store are enhanced. In the sixth embodiment, the communication function of the mobile phone and the barcode displayed on the image display means allow the payment to be performed immediately. The operations up to registration (1), issuance of ID (2), or business alliance (3) are the same as those in the fifth embodiment. The mobile phone contractor U buys at the barcode settlement store S (4)
After that, the bar code displayed on the image display means of the mobile phone is read by the bar code reader in the bar code settlement shop S (5).

The bar code read by the bar code reader is transmitted to a third party organization B, and the ID indicated by the bar code is registered with the third party organization B and has an account. It is inquired whether or not it is (6). The information processing device in the third party organization B transmits a barcode for settlement for the purchased product or the like different from the barcode (7). The payment barcode is immediately received by the mobile phone of the mobile phone subscriber U and read by the barcode reader (8). The payment barcode is further transmitted to the third party organization B, the price of the product is immediately deducted from the account of the mobile phone subscriber U, and the payment (9) is completed.

The barcode used for the barcode settlement is different from the numeral and relatively difficult to steal. However, in order to prevent the barcode from being stolen, the mobile phone contractor U can convert the barcode into a normal barcode by inputting a password or the like by scrambling or encrypting the transmitted barcode. it can. With such a method, high security can be obtained even when payment is made immediately. Even if the communication contents are intercepted or lost, the mobile phone having the barcode settlement function is safe because it cannot be misused because the contents are unknown.

When the bar code is scrambled or encrypted as described above, it is necessary to provide a means for canceling the scramble or the encryption into a normal bar code on the mobile phone side. The scrambling or decrypting means for decrypting the scrambled or encrypted barcode in the mobile phone into a normal barcode is, for example, when the mobile phone subscriber inputs a special number, the scrambled or encrypted is performed. , Can be a normal barcode. As for such a technique, one usually incorporated in a communication device or the like is sufficient.

It is necessary to prevent the bar code and the like from being misused even if the mobile phone is lost or stolen while the scramble or the encryption is released. Therefore, the scrambled or encrypted version of the transmitted barcode is stored in the memory device after a predetermined period of time has passed even after the mobile phone contractor has released it, and after the original scrambled or encrypted version. It is convenient to be stored in The technique can be easily implemented by using a timer provided in a mobile phone. A mobile phone having such a function can be made more secure than a credit card even if it has a function like a credit card.

FIG. 7 is a conceptual block diagram illustrating a seventh embodiment of the present invention, in which the settlement of a trusted sales company is performed by a barcode settlement store. In FIG. 7, in the bar code settlement system of the present embodiment, a bar code settlement store S and a mobile phone subscriber U are registered as necessary (1).
Keep it. In addition, the sales company I and the mobile phone contractor U make, for example, a monthly sales contract (2).

At the end of the month, the mobile phone contractor U transmits the transaction code, the price of the product, and his / her own ID as barcodes from the sales company I to the mobile phone (3). The mobile phone contractor U displays the barcode transmitted from the sales company I on the image display unit of the mobile phone, goes to the registered barcode payment store S, and reads the barcode by the barcode reader ( Perform 4). The terminal of the barcode settlement store S uses the barcode,
Not the price of the goods sold in your store, but the sales company I
Knowing that the settlement is for the product, and performing a process of performing remittance (5) to the sales company I.

Cellular phone subscriber U and bar code settlement store S
The system does not necessarily need to be registered, and any bar code settlement store S can be a system in which remittance is made to the sales company I. The information processing device of the sales company I performs processing for issuing a statement and sending it to the mobile phone contractor U by remittance from the barcode settlement shop S.

The sales company I may, for example, besides utility charges such as newspaper, television, gas, water and electricity, rent,
If the parking fee, laundry fee, leasing, rental fee, monthly installment fee, etc. are extremely monthly, the mobile phone contractor U can settle at the barcode payment store at his / her home, which is convenient and easy to forget to pay. It has the effect of not taking any action.

The settlement system using the mobile phone and the barcode shown in FIGS. 1 to 7 is merely an example, and it is possible to omit at least one of the processes or replace at least one of the processes. It is.

FIG. 8 is a conceptual block diagram illustrating an example of a portable telephone used in the embodiment of the present invention. In FIG. 8, the mobile phone performs at least functions as a receiving device 811, a memory device 812, an image display unit 813, a push button 814, a transmitting device 815, a control device (not shown), and a telephone. And a circuit and the like.

In addition, the portable telephone may be provided with a releasing means 816 for releasing scrambling or darkening as necessary.
And a timer 817 for determining the time until the scramble or darkness released by the release means 816 is restored.

A bar code indicating the product name, the price of the product, the mobile phone contractor ID, and the like for the product ordered by the mobile phone contractor is received by the receiving device 811 via the antenna 818. The barcode received by the receiving device 811 is temporarily stored in the memory device 812, and is displayed on the image display unit 813 by operating the push button 814. The mobile phone subscriber has the bar code displayed on the image display unit 813 read by a bar code reader at a bar code settlement store.

The bar code reader at the bar code settlement store displays the product name, the product price, the mobile phone subscriber ID, and the like on its display device. After confirming the contents of the display device, the mobile phone subscriber can pay for the product. The barcode is usually not worth exploiting. However, if you use a barcode to provide a function similar to a credit card,
Scrambled or encrypted before transmission. Therefore, if the release means 816 for releasing the scramble or the encryption is provided in the mobile phone, the transaction becomes more secure.

Furthermore, if the decrypted bar code is left in the memory device even though the scrambled or encrypted data is transmitted, it is dangerous if the mobile phone is stolen. In order to prevent this danger, the scrambling or darkening is released only when necessary by the releasing means 816, and automatically returns to the original scrambling or darkening after a predetermined time has elapsed.

FIG. 9 is a conceptual block diagram for explaining an example of an information processing apparatus of a third party organization constituting an embodiment of the present invention. In FIG. 9, (a)-(a), (b)-
(B) is connected by a solid line. The information processing device of the third party organization includes a receiving device 911, a management unit 912 that manages information and controls the information device, an ID issuing unit 913 of a registered mobile phone contractor, and a registered sales unit. A company ID issuing unit 914, a memory device 915, an image display unit 916, a barcode issuing unit 917, a product information storage unit 919 for storing product information of a registered sales company, and a payment notification unit 920 and the remittance processing unit 921
, A transmission device 922, and an antenna 923.

The receiving device 911 receives a request from a sales company to issue a bar code for a mobile phone contractor ID, a product name, a product price, and the like. The management unit 912 understands the contents of the reception, and
A mobile phone contractor ID is issued from the D issuing unit 913 and a sales company ID is issued from the sales company ID issuing unit 914 using a barcode. The management unit 912 makes the barcode issuing unit 917 issue a barcode corresponding to the product name and the price of the product based on the information stored in the product information storage unit 919, understanding the content of the reception.

Each of these bar codes is temporarily stored in the memory device 915 and displayed on the image display section 916. Each barcode displayed on the image display unit 916 is transmitted to the mobile phone subscriber by the transmission device 922. In addition, when the management unit 912 determines that the receiving device 911 has received a notification indicating that a payment has been received from the barcode settlement store, the management unit 912 causes the payment notification unit 920 to send a payment notification. When the management unit 912 determines that the notification that the product has been sent from the sales company is received, the management unit 912 causes the remittance processing unit 921 to perform a remittance process.

Although not shown, the information processing apparatus of the third party organization remitted the means for scrambling or enciphering the barcode and the mobile phone subscriber to the sales company as necessary. A remittance statement issuing unit for sending the statement can be provided.

FIG. 10 is a conceptual block diagram for explaining an example of an information processing apparatus of another third party which constitutes an embodiment of the present invention. 10, an information processing device of a third party organization includes a receiving device 1011, a management unit 1012 that manages information and controls the information processing device, a mobile phone contractor ID issuing unit 1013, a memory device 1014, An image display unit 1015, a transmission device 1016, a payment notifying unit 1017 for notifying the sales company that there is a payment from the barcode settlement store, a remittance processing unit 1018 for performing a remittance process to the sales company, and an antenna 1019. It is configured.

[0108] The management unit 1012 determines that there has been payment from the barcode settlement store, and causes the payment notification unit 1017 to perform processing for issuing a payment notification to the sales company. The management unit 1012 determines that there is a remittance from the barcode settlement store, and causes the remittance processing unit 1018 to perform a process for remittance to the sales company. The management unit 1012 provides the mobile phone subscriber with
A process for sending a remittance statement is performed. 9 and 1
The third party shown at 0 is merely an example, and it goes without saying that there are variations in various aspects.

FIG. 11 is a conceptual block diagram for explaining an example of a barcode settlement store constituting an embodiment of the present invention. In FIG. 11, an information processing device in a barcode settlement store includes a barcode reader 1111 for reading a barcode displayed on an image display unit of a mobile phone, a cash register 1112, an image display unit 1113, and a receipt issuance. Device 1114, memory device 1115, remittance means 1
116 and a control device (not shown).

The mobile phone subscriber receives a bar code indicating the price of the product sent from the sales company or a third party and stores it in the memory device. The mobile phone subscriber has a mobile phone on which the barcode is displayed, for example, goes to a barcode payment store after shopping, and has the barcode reader 1111 at the barcode payment store read the barcode. .
The barcode reader 1111 includes a cash register 1112.
And an image display unit 1113. After confirming the barcode content such as the product name, the product price, and the orderer name (or ID) of the product by the image display unit 1113, the mobile phone subscriber settles the amount.

The barcode settlement store automatically issues the settlement of the mobile phone contractor by the receipt issuing device 1114 and hands it over to the mobile phone contractor on the spot. The barcode payment store confirms that payment has been completed by the mobile phone subscriber,
Then, necessary information is stored in the memory device 1115. Thereafter, the information processing device at the barcode settlement store causes the remittance unit 1116 to perform a process to remit the amount to a third party organization or a sales company at a predetermined time or an arbitrary time. In the present embodiment, when the barcode settlement store is a major convenience store, the barcode settlement store can also serve as a credit institution as a third party.

FIG. 12 is a conceptual block diagram for explaining another example of the barcode settlement store constituting the embodiment of the present invention. 12 differs from the embodiment shown in FIG. 11 in that a management unit 1215 and a payment notification / remittance statement issuing unit 1218 are provided. Management unit 121
Reference numeral 5 corresponds to a control unit of the information processing apparatus, and does not necessarily need to be provided as a block. The present embodiment is based on the premise that there is a third party organization 1220.

The mobile phone contractor 1221 is a third party organization 1
The mobile phone receives the barcode indicating the price and the like of the product sent from 220 and stores it in the memory device of the mobile phone. The mobile phone subscriber 1221
Has a mobile phone on which the barcode is displayed,
For example, the user goes to a barcode settlement store during commuting or during lunch break, and has the barcode reader 1211 in the barcode payment store read the barcode.
The barcode reader 1211 includes a cash register 1212.
And an image display unit 1213. The mobile phone contractor 1221 confirms the barcode contents such as the product name, the product price, the orderer name (or ID) of the product, and the like using the image display unit 1213, and then settles the amount.

The information processing device at the barcode settlement store automatically issues the settlement of the mobile phone contractor 1221 by the receipt issuing device 1214 and hands over to the mobile phone contractor 1221 on the spot. The barcode settlement store issues a payment notice in which predetermined items are described based on the information stored in the memory device 1216 such as the fact that the payment has been completed by the mobile phone contractor 1221 or the like.
Issued at 18. This payment notice is sent by the transmitting device 1219.
Is transmitted to the third party organization 1220.

After receiving the payment notice, the information processing device in the third party organization 1220 transmits information to that effect to the sales company 1222. The sales company 1222 can send the product to the mobile phone contractor 1221 with security based on the information that the payment has been made. After a certain period of time has elapsed since the receipt of the payment notice, or by allowing the mobile phone contractor 1221 to read the receipt of the product by going to a barcode settlement store using a barcode,
It can be processed to be automatically remitted from the third party organization 1220 to the sales company 1222.

The information processing device in the barcode settlement store issues a payment notice and also issues
1 and a remittance statement is issued to the transmission device 1
219 via a third party 1220 or directly. Further, in this embodiment, it is also possible to omit the third-party organization 1220 and perform all the processing by the information processing device of the barcode settlement store.

FIG. 13 is a conceptual block diagram for explaining an example of a sales company and a barcode settlement store constituting an embodiment of the present invention. 13 differs from the embodiment shown in FIG. 12 in that a receiving device 1312 that receives a product order from a mobile phone contractor 1311, a transaction code reading unit 1313 that reads a transaction code according to the order, a product name and a product A barcode issuing unit 1314 for converting a price, an orderer's ID or name into a barcode is provided. The barcode issuing unit 1314 may include a processing unit for scrambling or encrypting the barcode.

The mobile phone contractor 1311 places an order for a product with a sales company and a barcode settlement store. This order is received by the receiving device 1312 which is a part of the information processing device at the sales company and the barcode settlement store. The received content is the transaction code reading unit 1313
The barcode issuance unit 1314 converts the necessary information into a barcode and stores it in the memory device 1317. The memory device 1317
Is transmitted to the mobile phone contractor 1311 directly or via a third party organization 1319 by the transmission device 1318.

[0119] The mobile phone contractor 1311 receives the barcode sent from the sales company and the barcode settlement store by the mobile phone, and stores it in the memory device of the mobile phone. The mobile phone contractor 1311 has a mobile phone on which the barcode is displayed, goes to a sales company and a barcode payment store at a required time, and reads the barcode by the barcode reader 1321 in the barcode payment store. Have them read. The bar code reader 1321
Is connected to the cash register 1322 and the image display unit 1323. The mobile phone contractor 1311 confirms the barcode content such as a product name, a product price, a product orderer name (or ID), and the like on the image display unit 1323, and then settles the amount.

The information processing device at the sales company and the barcode settlement store automatically issues a receipt by the receipt issuing device 1324 in response to the settlement by the mobile phone contractor 1311, and immediately sends the receipt to the mobile phone contractor 1311. Make a slip to hand. The information processing device at the sales company and the barcode payment store transmits information stored in the memory device 1317 such as the completion of the payment from the mobile phone subscriber 1311 to the third party 1319 via the transmission device 1318. . The management unit 1315 stores in the memory device 1317
If it is determined that the remittance has been sent to the third party 1319, the mobile phone contractor 1311 is processed to send out the product. This process can be performed using a normal product delivery slip.

In this embodiment, the third party 1319 can be omitted when the mobile telephone contractor 1311 and the sales company / barcode settlement store have mutual trust. In the present embodiment, an order is received from the mobile phone contractor 1311 regardless of whether it is from another chain store or mail order, without having a large stock at the sales company and the barcode settlement store. Can receive.

FIG. 14 is a conceptual block diagram for explaining an example of a sales company constituting an embodiment of the present invention. In FIG. 14, an information processing device in a sales company is a receiving device 1412 that receives an order from a mobile phone contractor 1411.
A transaction code reading unit 1413 for reading the content received by the receiving device 1412, a bar code issuing unit 1414 for converting a product name, a product price, an orderer's ID or name or the like into a bar code, and a bar code or the like. A memory device 1416 for storing information;
Image display unit 1417 capable of displaying the content of No. 6
And a transmission device 1418 for transmitting information such as a barcode. If necessary, the barcode issuing unit 1414 scrambles the barcode,
Alternatively, it can be darkened.

The mobile phone contractor 1411 places an order for a product while viewing a sales company's homepage or an advertisement via a communication line such as the Internet. This order is received by the receiving device 1412 at the sales company. The received content is read by a transaction code reading unit 1413, and necessary information is converted into a barcode by a barcode issuing unit 1414.
6 is stored. The contents of the memory device 1416 are displayed on the image display unit 1417 and the transmission device 141
8 to the mobile phone subscriber 1411 either directly or via a third party 1419. Management unit 1415
May control the processing.

The mobile phone subscriber 1411 receives the bar code sent from the sales company by the mobile phone,
It is stored in the memory device of the mobile phone. The mobile phone contractor 1411 has a mobile phone on which the barcode is displayed, and at a subsequent time, the barcode settlement store 1
Go to 420 and make a barcode payment. In addition, the receiving device 1412 performs a process of causing the management unit 1415 to perform a product shipping procedure after receiving from the third party 1419 or the barcode settlement store 1420 that the product has been paid. If necessary, mobile phone subscriber 1411
Is a third-party organization 1419 or barcode settlement store 1
It is also possible to provide a system in which after the product is notified of receipt at 420, the price of the product is remitted to the sales company.

FIG. 15 is a conceptual block diagram for explaining another example of the sales company constituting the embodiment of the present invention. In FIG. 15, the information processing device in the sales company differs from the embodiment shown in FIG. 14 in that a contract item storage unit 1512 is provided. The contract item storage unit 1512
Is the address, name, contract details,
The price and the like are stored.

For example, the sales company is a gas, water,
Utilities such as electricity, newspapers, and television; rent; parking fees;
This is convenient when collecting the laundry price. If the sales company is gas, water or electricity, the mobile phone subscriber 1517
The meter is connected to the receiving device 1519 of the sales company. The numerical value received by the receiving device 1519 is calculated by the contract item storage unit 1512 based on the control of the management unit 1511, and a barcode or the like based on the calculated amount is issued by the barcode issuing unit 1513.

The bar code issued by the bar code issuing unit 1513 is displayed on the image display unit 1514 and stored in the memory device 1515 at the same time. Also,
The barcode issued by the barcode issuing unit 1513 is transmitted by the transmission device 1516 to the mobile phone subscriber 151.
7 is transmitted. The mobile phone contractor 1517 receives the bar code information with a mobile phone and stores the bar code information in the memory device 15.
15 is stored.

The mobile phone contractor 1517 carries the bar code displayed on the bar code, goes to a bar code payment store 1518, and makes a bar code payment. The barcode settlement store 1518 stores the mobile phone contractor 151 in the form of settlement using a communication line such as the Internet.
7 can be remitted to the sales company. In the case of newspapers and televisions with fixed prices, at the end of each month, the sales company transmits barcodes of necessary items such as prices, names, dates and the like to the mobile phone subscriber 1517 by the transmission device 1516.

[0129] The mobile phone subscriber 1517 goes to the barcode settlement store 1518 within a predetermined period to settle monthly charges. The information processing device in the barcode settlement store 1518 can automatically transfer money to the sales company as described above. Further, the sales company can also sell ordinary products. In this case, when the mobile phone contractor 1517 orders a product from a sales company, the receiving device 1519 receives the transaction code and the like, and the subsequent processing can be automatically performed in the same manner.

The embodiments described above are merely examples, and may be a combination of some of the embodiments. In addition, processing for registering a mobile phone contractor and a third party organization, processing of a contract between a mobile phone contractor and a barcode settlement store, issuance of a mobile phone contractor ID, and the like are not described in detail. Some of them can be performed by an information processing device as needed. The mobile phone is wireless, but the processing of information between the bar code settlement store, a third party organization, and a sales company can be performed by wire or wireless.

FIG. 16 is a flowchart for explaining an example of the present invention, in which a third party becomes a credit institution when purchasing a product. The flowcharts of FIG. 16 to FIG. 20 show an example of processing performed by a mobile phone subscriber, a barcode settlement store, a third-party organization, and a sales company. In FIG. 16, the mobile phone contractor 1611 examines whether or not to make a contract with a third party (step 161).
2). The mobile phone contractor 1611 receives an ID from a third party organization.
It is checked whether or not is obtained (step 1613). If the mobile phone subscriber 1611 has not obtained the ID,
The ID is requested from the third party (step 1614).

If the contract with the third party is completed and the ID is obtained by bar code or number, the mobile telephone contractor 1611 can place an order with the sales company using the ID and the product name or its code number (step 1615). . next,
The mobile phone contractor 1611 checks with the mobile phone whether or not a barcode has been received from a third party (step 1616). If the bar code is not received by the mobile phone, the mobile phone contractor 1611 requests the third party to transmit the bar code (step 161).
7).

When the bar code can be received by the mobile phone, the mobile phone contractor 1611 goes to a bar code payment store and makes a bar code payment (step 1618). The mobile phone contractor 1611 checks whether or not the product has been sent from the sales company (step 161).
9). If the product is not sent from the sales company, the mobile phone contractor 1611 requests the product from the sales company (step 1620). When the mobile phone contractor 1611 receives the product, the mobile phone contractor 1611 performs the reception of the product by using a barcode,
Alternatively, the information is sent to a third party by telephone, computer, or the like (step 1621).

FIG. 17 is a flow chart for explaining an embodiment of the present invention, in which a barcode settlement store also serves as a credit institution. In FIG. 17, the mobile phone subscriber 171
1 examines whether to make a contract with a barcode settlement store (step 1712). The mobile phone subscriber 1711
It is checked whether or not the ID has been obtained from the barcode settlement store (step 1713). If the mobile phone subscriber 1711 has not obtained the ID, the mobile phone contractor 1711 sends the ID to the barcode settlement store.
Is requested (step 1714).

The mobile phone contractor 1711 terminates the contract with the barcode settlement store, and obtains a bar code or number.
If D is obtained, an order can be made to the sales company by ID and product name or its code number (step 171).
5). Next, the mobile phone contractor 1711 checks with the mobile phone whether or not a barcode has come from the barcode settlement store (step 1716). Mobile phone subscriber 17
11 requests a barcode from a barcode settlement store if the barcode is not received by the mobile phone (step 1717).

When the bar code can be received by the mobile phone, the mobile phone contractor 1711 goes to a bar code payment store and makes a bar code payment (step 1718). The mobile phone contractor 1711 checks whether or not the product has been sent from the sales company (step 171).
9). If no product is sent from the sales company, the mobile phone contractor 1711 requests the sales company for the product (step 1720). When the mobile phone contractor 1711 receives the product, the mobile phone contractor 1711 performs the reception of the product using a barcode,
Alternatively, the barcode settlement is performed by telephone, computer, or the like (step 1721).

FIG. 18 is a flowchart for explaining an embodiment of the present invention, in which a sales company also serves as a credit institution. FIG. 18 differs from that of FIG. 17 in that the credit institution is a sales company, but is otherwise substantially the same, so that the description of the flowchart is omitted.

FIG. 19 is a flow chart for explaining an exchange between a mobile phone subscriber, a barcode settlement store, and a third party in the embodiment of the present invention. In FIG. 19, the barcode settlement store 1911 checks whether or not the contract with the mobile phone subscriber has ended (step 1912).
The barcode settlement store 1911 checks whether or not the contract with the third party has been completed (step 1913). If a contract has not been made, the barcode settlement store 1911 requests a contract from a third party organization (step 1914).

When all the contracts are completed, the barcode settlement store 1911 advertises that barcode settlement is possible (step 1915). The barcode payment store 1911 checks whether or not the payment is a barcode payment from a mobile phone subscriber (step 1916). If the information processing device in the barcode payment store 1911 determines that the payment is not a barcode payment from a mobile phone subscriber, it is a normal product sale and requests the consideration (step 1).
917).

If the information processing device in the barcode settlement store 1911 determines that the settlement is a barcode settlement from a mobile phone subscriber, it remits the settled price to a third party (step 1918). Barcode payment store 191
1 checks whether or not there has been a product receipt notification from the mobile phone subscriber (step 191).
9). When the information processing device in the barcode settlement store 1911 determines that there has been a product receipt notification from the mobile phone subscriber, it sends the receipt notification to a third party organization (step 1920).

FIG. 20 is a flow chart for explaining an exchange between a sales company, a barcode settlement shop, a third party organization, and a cellular phone subscriber in the embodiment of the present invention. In FIG. 20, the information processing apparatus in the sales company 2011 checks whether or not the sales company and the barcode settlement store have terminated the contract (step 2012). When the information processing device in the sales company determines that the contract with the barcode settlement store has ended, for example, it advertises that barcode settlement is possible through a communication line such as the Internet. If the contract has not yet been made, the sales company 2011 performs a process for requesting a contract from the barcode settlement store (step 2013).

The information processing device in the sales company 2011 checks whether or not there is an order from the cellular phone subscriber (step 2014). If there is no order from the mobile phone contractor, the information processing device in the sales company 2011 keeps waiting for the order (step 2015). The information processing device in the sales company 2011 transmits the product name, the price of the product, the ID of the mobile phone contractor, or the like to a third party organization or a barcode settlement store when the product order is received from the mobile phone contractor. Is transmitted (step 2016).

The information processing device in the sales company 2011 checks whether or not there has been a remittance notice indicating that the mobile phone subscriber has made a barcode settlement and has remitted it to a third party (step 2017). If there is no remittance notification, the information processing device in the sales company 2011 waits for a remittance notification from a third party (step 201).
8). When receiving a remittance notification from a third party, the information processing device in the sales company 2011 continues to check whether or not a process for sending out the product to the mobile phone contractor has been performed (step 2019). The information processing device in the sales company performs processing for accepting payment from a third party after shipping the product to the mobile phone subscriber (step 202).
0).

Although the embodiments of the present invention have been described in detail, the present invention is not limited to the above embodiments. And
The present invention is capable of various design changes without departing from the scope of the claims. Although the details of the mobile phone, the barcode reader, the transmission / reception device, and other information processing devices are not described in detail in the present embodiment, they can be achieved by a known or known technique. In addition, for the remittance, deposit, settlement, and the like by the information processing device, a method that is already performed through a communication line such as the Internet can be adopted, or a method in which an online settlement method is developed from now can be used. . That is, the present invention can provide a number of advantages as described in the effect of the present invention by adding a mobile phone, barcode information, and / or a third party to the conventional payment method. It is.

Needless to say, the portable telephone of the present invention includes a mobile terminal having a portable telephone function. If the ID composed of the barcode of the present invention is used only for one commercial transaction and is not used for the next commercial transaction, even if the ID is left in the memory device of the mobile phone, This cannot be exploited. Further, according to the present invention, a POS terminal can be carried by a merchandise carrier of a transportation company, and settlement can be performed when merchandise is delivered. In this method, a bar code is transmitted from a sales company to a mobile phone in advance, and a bar code is settled when a product is received. In addition, this method can also be debited from a bank account by a barcode transmitted from a sales company when partnering with a bank as a third party.

[0146]

According to the present invention, by utilizing the image display function provided in the portable telephone and displaying the bar code on the image display section, it is possible to carry out safe, simple and quick business transactions. It was made.

According to the present invention, at the same time that a mobile phone subscriber can make a payment at a barcode payment store while shopping,
After the mobile phone contractor confirms that the product has been received, the price of the product is remitted to the sales company, so that both the mobile phone contractor and the sales company can perform secure business transactions.

According to the present invention, except when the mobile phone subscriber goes to the bar code payment shop and when the merchandise is sent from the sales company to the mobile phone subscriber, the information processing apparatus automatically performs the processing. Can be processed.

According to the present invention, the settlement can be made at the barcode settlement store where the user is going to go, so that simple and quick transactions can be made without forgetting to transfer.

According to the present invention, the time required for transmitting the barcode after the mobile phone contractor places an order with respect to the sales company is short, and the settlement notification can be performed by connecting the sales company and the barcode settlement store via a network. Therefore, it is possible to shorten the time from the order of the product to the receipt of the product by the mobile phone contractor, and it is not necessary to take the trouble during the time.

According to the present invention, when the credit agency is a transportation company, it can also serve as the transportation of goods, so that both credit and transportation can be performed. There are benefits for the three.

According to the present invention, by changing the embodiment, the present invention can be applied to various commercial transactions.

According to the present invention, since the barcode is scrambled or encrypted and used, the security is improved, so that a sophisticated and secure commercial transaction becomes possible.

According to the present invention, the bar code is displayed on the image display means of the mobile phone, so that security can be easily ensured as compared with a case where a commercial transaction is performed only by a number.
In addition, due to its shape and function, a mobile phone can detect loss or theft more quickly than a card.

[Brief description of the drawings]

FIG. 1 is a conceptual block diagram illustrating an example in which a barcode settlement store and a third party intervene in a commercial transaction between a sales company and a mobile phone subscriber in a first embodiment of the present invention. .

FIG. 2 is a conceptual block diagram illustrating an example for further securely executing the commercial transaction in FIG. 1 in a second embodiment of the present invention.

FIG. 3 is a conceptual block diagram illustrating an example in which a third party in FIG. 1 is omitted in a third embodiment of the present invention.

FIG. 4 is a conceptual block diagram illustrating an example in which a barcode settlement store in FIG. 1 is omitted in a fourth embodiment of the present invention.

FIG. 5 is a conceptual block diagram illustrating an example of performing shopping or the like at a barcode settlement store in a fifth embodiment of the present invention.

FIG. 6 is a conceptual block diagram illustrating an example in which immediacy and security when shopping at a barcode settlement store are enhanced in the sixth embodiment of the present invention.

FIG. 7 is a conceptual block diagram illustrating an example in which settlement of a trusted sales company is performed by a barcode settlement store in a seventh embodiment of the present invention.

FIG. 8 is a conceptual block diagram illustrating an example of a mobile phone used in an embodiment of the present invention.

FIG. 9 is a conceptual block diagram illustrating an example of an information processing device of a third party organization that constitutes an embodiment of the present invention.

FIG. 10 is a conceptual block diagram for explaining an example of an information processing apparatus of another third party organization which constitutes an embodiment of the present invention.

FIG. 11 is a conceptual block diagram for explaining an example of a barcode settlement store constituting an embodiment of the present invention.

FIG. 12 is a conceptual block diagram for explaining another example of the barcode settlement store constituting the embodiment of the present invention.

FIG. 13 is a conceptual block diagram for explaining an example of a sales company and a barcode settlement store constituting an embodiment of the present invention.

FIG. 14 is a conceptual block diagram for explaining an example of a sales company constituting an embodiment of the present invention.

FIG. 15 is a conceptual block diagram for explaining another example of the sales company constituting the embodiment of the present invention.

FIG. 16 is a flowchart for explaining an example in which a third party becomes a credit institution when purchasing a product in the embodiment of the present invention.

FIG. 17 is a flowchart for explaining an example in which a barcode settlement store also serves as a credit institution in the embodiment of the present invention.

FIG. 18 is a flowchart for explaining an example in which a sales company also serves as a credit institution in the embodiment of the present invention.

FIG. 19 is a flowchart illustrating an exchange between a mobile phone subscriber, a barcode settlement store, and a third party in the embodiment of the present invention.

FIG. 20 is a flowchart for explaining exchanges between a sales company, a barcode settlement store, a third-party organization, and a mobile phone subscriber in the embodiment of the present invention.

[Explanation of symbols]

 I: Sales company B: Third party organization U: Mobile phone contractor S: Barcode settlement store

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Claims (19)

[Claims] 1. A first method for transmitting a barcode indicating a transaction code and a price corresponding to an order from a contractor who has registered a settlement method using a barcode displayed on a mobile phone from a sales company to the mobile phone contractor. A second step of receiving the barcode on the mobile phone of the mobile phone subscriber, displaying the barcode on the image display means, and then settingtle the price displayed on the barcode at a barcode payment store; A third step of sending the merchandise from the sales company which has received the notice of payment from the contractor to the mobile telephone contractor, wherein each of the steps is performed by an information processing apparatus including a mobile telephone, a POS device, a computer, a communication unit, and the like. A settlement method using a mobile phone. 2. The method according to claim 1, wherein a third party intervenes as a credit institution between the second step and the third step. 3. The settlement method using a mobile phone according to claim 2, wherein the sales company and the barcode settlement store are the same. 4. The bar code is transmitted from a sales company to a contractor who has registered a settlement method using a bar code displayed on a mobile phone on a monthly basis.
Payment method using the mobile phone described in. 5. The contractor and a sales company which have registered a settlement method using a barcode displayed on the mobile phone, and the sales company and a barcode settlement store are connected by a network. Item 1
A settlement method using the mobile phone according to claim 4. 6. A first method for displaying, on an image display means of a mobile phone, an ID consisting of a bar code obtained when a contractor who has registered a settlement method using a bar code displayed on the mobile phone registers with a third party. A second step in which, when the mobile phone subscriber makes a payment, the ID including the barcode and the price of the product are read by a barcode reader of a barcode payment store; The barcode is transmitted to a third party to inquire about the ID composed of the barcode, settle the price of the product composed of the barcode,
And a third step of performing a transfer / withdrawal process, wherein each of the steps is performed by an information processing apparatus including a mobile phone, a POS device, a computer, a communication unit, and the like. 7. A first method of displaying an ID consisting of a barcode obtained when a contractor who has registered a settlement method using a barcode displayed on a mobile phone registers with a third party on an image display means of the mobile phone. A second step in which, when the mobile phone subscriber makes a payment, the ID including the barcode and the price of the product are read by a barcode reader of a barcode payment store; The bar code is transmitted to a third party, and the bar code
A third step of transmitting another payment barcode after the inquiry of D is completed, and receiving the payment barcode by the mobile phone, and then reading the payment barcode read by the barcode reader to a third party. A fourth step of performing a process for transmitting the price of the product immediately after being transmitted to the institution, wherein each of the steps is performed by an information processing device including a mobile phone, a POS device, a computer, and communication means. Payment method using a mobile phone. 8. The information processing apparatus in a third party organization that constitutes a payment system using the mobile phone can perform scramble processing or encryption processing on a barcode. A settlement method using the mobile phone according to claim 7. 9. The third-party institution is one of a financial institution, a credit sales company, a transportation company, a convenience store, a supermarket, a department store, and a company for bar code settlement. Claim 6
A settlement method using the mobile phone according to claim 7. 10. An information processing apparatus in a third-party organization that constitutes a payment system using a mobile phone, a barcode issuing unit that issues a barcode that displays a transaction code and a price of a product, and a barcode issuing unit that is displayed on the mobile phone. A mobile phone characterized by comprising at least a contractor who has registered a settlement method using a barcode and a memory device for storing the ID of the contractor as a barcode, and transmission / reception means for transmitting / receiving the barcode information. Payment system. 11. The information processing apparatus in a third-party organization that constitutes the settlement system using the mobile phone includes a payment notification and a product receipt notification receiving means. Payment system using mobile phone. 12. An information processing device in a barcode payment store that constitutes a payment system using the mobile phone, comprising: an ID of a contractor who has registered a payment method using a barcode displayed on the mobile phone; a transaction code; A barcode reader for reading barcode information indicating the price of the product, a cash register for depositing an amount based on the information read by the barcode reader, and remittance to a predetermined sales company based on the barcode information A payment system using a mobile phone, at least comprising: 13. The apparatus according to claim 12, wherein the information processing device in the barcode payment store that constitutes the payment system using the mobile phone includes a payment notification and a product receipt notification receiving means. Payment system using mobile phone. 14. An information processing device in a sales company constituting a settlement system using the mobile phone, a receiving device receiving an order from a contractor who has registered a payment method using a bar code displayed on the mobile phone, A transaction code reading unit that reads a transaction code received from the mobile phone subscriber by a device; a barcode issuing unit that converts the price into a barcode based on the transaction code; and an order received by the receiving device. Mobile subscriber I
A mobile phone contractor ID issuing unit that issues D, and a transmission device that transmits the barcode issued by the barcode issuing unit and the mobile phone contractor ID issuing unit to a third party organization. A payment system using a mobile phone. 15. An information processing apparatus in a sales company constituting a settlement system using the mobile phone, wherein a bar code indicating a transaction code, a product price, and a mobile phone subscriber ID is displayed on the mobile phone. The settlement system using a mobile phone according to claim 14, further comprising at least a transmission device that transmits a settlement method using a code to a registered contractor. 16. A settlement system using a mobile phone, wherein the barcode issued by the barcode issuing unit according to claim 10 or 14 is scrambled or encrypted at the time of transmission. 17. A mobile phone constituting a payment system using the mobile phone, comprising at least scrambling or decryption canceling means for decrypting a scrambled or encrypted barcode into a normal barcode. Claim 10, Claim 12, Claim 1
4. A settlement system using the mobile phone described in any one of 4. 18. The payment system using a mobile phone according to claim 16, wherein the time for canceling the scrambling or decryption of the barcode is only a predetermined time. 19. A storage medium storing a program for a settlement method using a mobile phone according to claim 1. Description: