JP2001344551A - Method for performing charge settlement with portable terminal and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily settle a charge for merchandise and a service. SOLUTION: When a user 10 performs settlement after purchasing the merchandise and receiving the service, the user 10 accesses the repeater 21 of a service provider 20 side by using a portable telephone, the provider 20 transmits information including the inherent information of the user 10 and the prices of the merchandise and the service to a telephone company 30 side, and the telephone company 30 side confirms the inherent information of the user 10, notifies the provider 20 side of a signal that use is OK when the inherent information is correct and demands the user 10 for the price after performing settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and a recording medium for making a payment with a portable terminal for making a payment for a product or service using, for example, a mobile phone.

[0002]

2. Description of the Related Art For example, settlement after purchasing a product,
Payment after receiving the service is performed using cash or a credit card.

[0003]

However, as described above, there is a problem in that when the purchase of a product or the settlement after receiving the service is performed by cash, for example, it takes time to pay cash. In addition, in places where coins are needed, there may be inconveniences such as when coins are not brought.

In the case of cash, if lost or stolen,
Often it does not return.

[0005] In addition, in the case of payment with a credit card, since the signing must be performed after the authentication of the credit card and the creation of a slip, there is a problem that it takes a long time to complete the payment.

On the other hand, some products and services are provided with a ticket issuing machine or the like in order to reduce labor costs, for example, but the ticket issuing machine or the like performs replenishment of change or replenishment of tickets. However, there is a problem that these need to be supplemented or maintained.

[0007] The present invention has been made in view of such circumstances, and provides a method and a recording medium for performing payment on a portable terminal capable of easily performing payment for a product or service. Is what you can do.

[0008]

According to the first aspect of the present invention, there is provided a method for performing a payment using a portable terminal, the method comprising: providing a service using the portable terminal when a user purchases a product or receives a service; A first step of accessing the repeater on the user side, and a second step in which the service provider transmits information including the unique information of the user and the price of the product or service to the settlement proxy service side via the repeater. And a third step in which the settlement agency service side confirms the user's unique information, notifies the service provider of the use OK sign if there is no error, and bills the user after settlement. It is characterized by being performed.
The first step is a fourth step in which the user registers a password with the settlement proxy service side and issues an ID number by signing a contract for proxy settlement.
Accessing the repeater may include a fifth step of using the repeater dedicated number of the repeater. The second step includes presenting the repeater exclusive number of the repeater at a place where the user can see, and inputting an ID number and a password when the user accesses the repeater. A seventh step of notifying the content to be urged and an eighth step of transmitting the input ID number or password as user-specific information can be included.
In addition, the second, sixth to eighth steps include a ninth step of transmitting information including a barcode attached to the product and information including a store name and a location which are repeater-specific information of the repeater. Can be made. In the third step, a tenth step of issuing an ID number to the user after the contract for proxy settlement is completed, and unique information including the user's telephone number, ID number, and password by the host computer. An eleventh step of managing and a twelfth step of confirming the unique information sent at the time of settlement by the user and charging the user for the goods and services together with the regular billing after the settlement. Can be included. In addition, the twelfth step may include a thirteenth step of notifying the user of the completion of the automatic debit when there is an automatic debit contract with the user. In the third, twelfth, and thirteenth steps, when the receipt of the price from the user is confirmed, the fourteenth step of paying the price to the service provider and the fifteenth step of receiving a fee from the service provider And can be included. A recording medium according to claim 8 is characterized in that a program indicating the first to fifteenth steps is recorded. In the method and the recording medium for performing the payment by the mobile terminal according to the present invention, when the user performs the payment after purchasing the product or receiving the service, the user accesses the relay device on the service provider side using the mobile terminal. The service provider sends information including the user's unique information and the price of the product or service to the payment agency service via the relay device, and the payment agency service confirms the user's unique information and If not, the service provider is notified of the sign of use OK, and after payment, the user is charged.

[0009]

Embodiments of the present invention will be described below.

FIG. 1 is a diagram for explaining an outline of a toll settlement system according to an embodiment of a method for performing toll settlement by a portable terminal according to the present invention. FIGS. 2 and 3 are diagrams illustrating the toll settlement system of FIG. 5 is a flowchart for explaining a method of performing fee settlement by a mobile terminal in FIG.

The fee settlement system shown in FIG.
0, a service provider 20, and a telephone company 30.

The user 10 can use the mobile phone 11 as a mobile terminal to purchase a product or make a payment after receiving a service. Here, as the portable terminal, for example, a notebook personal computer, a PDP (personal information terminal), or the like can be used in addition to the portable telephone 11.

Further, the user 10 makes a mobile phone subscription contract and password registration with the telephone company 30. together,
The user 10 signs a proxy settlement contract with the telephone company 30. When the contract is completed, the telephone company 30
, An ID number is issued. By using this ID number, it is easy to grasp the address, name, age, and the like of the user 10.

The service provider 20 is a side that sells products such as department stores, supermarkets, and retail stores, or a side that provides services without selling products such as massages, parking lots, and barber shops.

[0015] The service provider 20 includes a repeater 21 for supporting settlement between the user 10 and the telephone company 30. In addition, the service provider 20 makes a request for a proxy for settlement with the telephone company 30.

The repeater 21 has a repeater exclusive number and repeater unique information. The repeater-dedicated number is a number that is accessed when the user 10 performs the payment of the fee, and is presented at a position where the user 10 can see.
For example, in the case of a supermarket, the vicinity of the cash register is preferable.
For example, in the case of a parking lot, the vicinity of the exit gate is preferable.

The repeater-specific information is information indicating a store name, a location, and the like. When the user 10 accesses using the repeater-dedicated number, the repeater 21 also combines the repeater-specific information and information indicating the product name and price of the product purchased by the user 10 or the price for the service. Notify the telephone company 30.

Here, information from a POS system, for example, can be used for the product name and the price of the product purchased by the user 10. Information input by a personal computer or the like can be used for the amount of money for the service and the like.

The service provider 20 has a telephone company 3
Upon receiving the use OK sign sent from the 0 side, it is possible to notify the user 10 of the completion of the delivery of the goods and the settlement of the amount required for the service.

Here, the sign of use OK from the telephone company 30 side includes, for example, providing a lamp in the POS system, lighting the lamp, and displaying the sign of use OK on the display of the POS system. You can check it.

The telephone company 30 which is the settlement agency service side
Is a proxy for the settlement of the user 10 and includes a host computer 31. Host computer 3
1 manages a mobile phone subscription contract, an ID number, a password, and the like for each of a plurality of users 10. Further, the host computer 31 manages relay device-specific information from the service provider 20 side, information indicating a product name and a price of a product purchased by the user 10, a price for a service, and the like.

Further, the host computer 31 issues a transfer sheet for a telephone charge, which is a periodic billing request, to each user 10. In this case, a transfer sheet including the product name and the price of the product purchased along with the telephone charge or the price for the service is issued.

When a contract for automatic debit has been made with the user 10, a notice of completion of the automatic debit is issued.

Further, the telephone company 30 has the service provider 2
For 0, the payment used by the user 10 is paid by transfer or the like. The telephone company 30 receives a commission from the service provider 20 side.

Next, a description will be given of a method of performing the payment on the portable terminal in the payment system having such a configuration.

First, as shown in FIG. 2, the user 10
A mobile phone subscription contract and password registration are performed with the telephone company 30 (step 201). In addition, the user 10
A contract for proxy settlement is made with the telephone company 30 (step 202). When confirming the completion of the contract, the telephone company 30 issues an ID number to the user 10 (step 20).
3).

Next, the user 10 purchases a product at a supermarket, for example, and makes a payment at a cash register (step 20).
4). At this time, the name and price of the purchased product can be obtained, for example, by a supermarket clerk reading a barcode attached to the product using a barcode reader of the POS system (step 205).

The information indicating the product name and the price of the product read by the barcode reader is temporarily stored in the repeater 21 (step 206).

At this time, the user 10 uses the portable telephone 11 to access the repeater exclusive number presented near the cash register or the like (step 207). The repeater 21 notifies the user 10 of the content prompting the input of the ID number and the password (step 208).

When the user 10 inputs an ID number and a password, the repeater 21 sends the unique information of the user 10 to the host computer 31 of the telephone company 30, information indicating the read product name and price, Machine-specific information is sent (steps 209 and 210). Here, the unique information of the user 10 is a telephone number, an ID number, and a password.
Further, as described above, the repeater unique information is information indicating a store name, a location, and the like. In the case of a service, information indicating the usage fee is sent.

On the telephone company 30 side, the telephone number, ID number, and password, which are the unique information of the user 10, are confirmed by the host computer 31 (step 211). If there is no error, as shown in FIG. 31 manages (records) the relay device-specific information from the service provider 20, the product name and price of the product purchased by the user 10, or information indicating the price for the service and the like (step 301).

If there is no mistake in the unique information of the user 10, the telephone company 30 notifies the service provider 20 of a sign of use OK (step 302).

At this time, the use from the telephone company 30 is OK.
Is confirmed by the service provider 20 by turning on the lamp of the POS system and displaying on the display of the POS system as described above (step 30).
3).

When the service provider 20 receives the use OK sign sent from the telephone company 30, the user 1
The product is delivered to 0 (step 304). In addition, the service is notified that the settlement of the amount has been completed.

After a plurality of users 10 purchase a product or receive a service in this way, the mobile phone 11
Is used to access the repeater-exclusive number presented near the cash register or the like, and the settlement is completed by the telephone company 30 signing the use OK.

On the telephone company 30 side, the host computer 31 associates the unique information of each of the plurality of users 10 with the unique information of the repeater from the repeater 21 and the user 10.
Accumulates and manages information indicating the product name and price of the product purchased by the user or the price for the service.

When the predetermined date is reached, the telephone company 30 issues a telephone fee transfer paper for each user 10 (step 305). In this case, a transfer sheet including the product name and the price of the product purchased along with the telephone charge or the price for the service is issued.

When an automatic debit contract has been signed with the user 10, a notice of completion of the automatic debit is issued. Thereafter, upon confirming receipt of the telephone charge, the purchase price of the product, or the payment required for the service from the user 10, the telephone company 30 pays the service provider 20 the payment used by the user 10 by transfer or the like ( Step 30
6,307). The service provider 20 has a telephone company 30
Is paid (step 308).

As described above, in the present embodiment, the user 1
When 0 pays for goods or services,
Using the mobile phone 11, the repeater 2 on the service provider 20 side
1, the service provider 20 transmits information including the unique information of the user 10 and the price of the product or service to the telephone company 30 via the repeater 21, and the telephone company 30 The unique information is confirmed, and if there is no mistake, the service provider 20 is notified of the sign of use OK, and after the settlement, the telephone company 30 charges the user 10 for the price.

The telephone company 30 receives the price of the product or service purchased from the user 10 along with the telephone charge, and then pays the price to the service provider 20. Was received.

Accordingly, the user 10 does not need to pay for cash after paying for goods or receiving services, and thus does not have to spend time paying for cash. In addition, even in a place where coins are required and there is no coin, etc., settlement can be performed.

Further, since there is no need to carry cash, there is no loss or theft.

On the other hand, on the side of providing goods and services, for example, there is no need to provide a ticketing machine or the like.
Maintenance such as replenishment of change and replenishment of tickets is unnecessary,
The required expenses can be further reduced.

In the present embodiment, the case where the settlement agency service side is the telephone company 30 has been described. However, the present invention is not limited to this example, and payment is periodically made, such as water or gas. If it is a form, proxy settlement is possible instead of the service provider 20.

It is also possible to make a proxy settlement on behalf of the service provider 20 by contract with a credit company.

In this embodiment, the case where the service provider 20 is provided with the repeater 21 has been described.
Even when there is no repeater 21, proxy payment can be performed instead of the service provider 20. In this case, proxy settlement is performed by notifying the telephone company 30 of the unique information of the user 10 and information indicating the price of the product or service using a communication terminal such as a telephone or a personal computer.

In a place where the mobile phone 10 cannot be used, such as in a building, a terminal such as a fixed telephone or a personal computer is connected to the repeater 21 so that the user 10 By inputting the unique information using, the proxy settlement becomes possible.

In this embodiment, a case has been described in which information such as a product name and a price of a purchased product is obtained by reading a bar code attached to the product. However, the present invention is not limited to this example. For example, instead of a barcode,
Information indicating a product name, an amount, and the like can be read using a code, a symbol, or the like.

[0049]

As described above, according to the method and the recording medium of the present invention for performing the payment with the portable terminal, the user can use the portable terminal when making the payment after purchasing the product or receiving the service. The service provider accesses the repeater of the service provider, and the service provider transmits information including the user's unique information and the price of the product or service to the settlement proxy service via the repeater, and the settlement proxy service uses the information. After confirming the user's unique information, if there is no mistake, the service provider will be notified of the sign of use OK, and after payment, the user will be charged for payment, so payment for goods and services is settled Can be easily performed.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an overview of a toll settlement system according to an embodiment of a method for performing toll settlement by a mobile terminal of the present invention.

FIG. 2 is a flowchart for explaining a method of performing fee payment by a mobile terminal in the fee payment system of FIG. 1;

FIG. 3 is a flowchart for explaining a method of performing fee payment by a mobile terminal in the fee payment system of FIG. 1;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 User 11 Mobile telephone 20 Service provider 21 Repeater 30 Telephone company 31 Host computer

Claims (8)

[Claims] 1. A first step in which a user accesses a repeater on a service provider side using a portable terminal when making a payment after purchasing a product or receiving a service; A second step of transmitting information including the unique information of the user and the price of the product or service to the settlement proxy service via a device, and the settlement proxy service confirms the unique information of the user. If there is no mistake, use the service provider.
And a third step of notifying the user of the charge after the settlement and charging the user for the charge. 2. In the first step, the user registers a password with the settlement proxy service side and concludes a contract for proxy settlement with the user.
The method according to claim 1, further comprising: a fourth step of receiving a D number; and a fifth step of using a repeater-dedicated number of the repeater when accessing the repeater. A method of performing payment on mobile terminals. 3. The second step, wherein a sixth step of presenting the repeater dedicated number of the repeater to a place where the user can see, and the step of: A seventh step of notifying the content for prompting the input of the ID number and the password, and an eighth step of transmitting the input ID number and the password as the unique information of the user are included. A method for performing fee settlement with the mobile terminal according to claim 1. 4. The second, sixth to eighth steps include a step of transmitting information including a barcode attached to a product and information including a store name and a location, which are repeater-specific information of the repeater. 4. The method according to claim 1, further comprising the step of:
How to make a payment with the mobile device described in. 5. The third step includes: a tenth step of issuing an ID number to the user after the contract for proxy settlement is completed; and a telephone number, an ID number, and a password of the user. An eleventh step of managing the unique information by a host computer, and confirming the unique information sent at the time of settlement of the user, and after the settlement, the goods and services are periodically added to the user at the same time. The first to claim the price of
The method according to claim 1, further comprising the steps of: 6. The method according to claim 6, wherein the twelfth step includes a thirteenth step of notifying the user of the completion of the automatic withdrawal when there is an automatic debit contract with the user. A method for performing a charge settlement with a portable terminal according to claim 5. 7. In the third, twelfth, and thirteenth steps, a step of paying the price to a service provider upon confirming receipt of the price from the user; The method according to claim 1, 5 or 6, further comprising a fifteenth step of receiving a fee. 8. A recording medium on which a program indicating the first to fifteenth steps is recorded.