JP2002042017A - Payment method using cellular phone - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment system and a payment method capable of paying the price for eating-drinking and the purchase of a commodity by a cellular phone. SOLUTION: In this payment system and this payment method, a credit company information center terminal 10 and an order-account terminal 20 of a retail store and a restaurant are connected by a telecommunication line 40 to transmit and receive account information, and the credit company information center terminal 10 and the cellular phone 30 of a user are connected by a telephone line 50 to transmit and receive payment information, and the eating- drinking and the purchase of the commodity can be performed without having cash and a credit card, and flexible payment processing can be performed according to the behavior content and time of the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement system and a settlement method for purchasing goods, eating and drinking, etc., and more particularly to a settlement system and a settlement method using a mobile phone.

[0002]

2. Description of the Related Art Conventionally, a method of purchasing goods at a retail store or paying for food and drink at a restaurant is a cash or credit card payment method at an accounting place.

[0003]

However, the conventional payment system and payment method have the following problems.

[0004] If you forget or do not have your cash and credit card, you will not be able to purchase products or eat and drink.

・ Especially in large restaurants (family restaurants, etc.), the efficiency and time required for accounting are low, the waiting time for accounting is prolonged at times of congestion, the turnover rate of customers decreases, A vicious cycle such as a long waiting time occurs.

[0006]

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to provide a payment system and a payment method which can perform payment processing efficiently without using cash and a credit card, or which can handle processing flexibly for a user. Is to do.

[0007] The settlement method according to the present invention is characterized in that a mobile phone is used as a means in payment processing for purchase of goods or eating and drinking.

In this payment method, a user accesses a credit company information center terminal via a mobile phone to perform a payment process. Therefore, ・ Even when the cash and credit card are forgotten or not possessed, the user can purchase or eat and drink, etc. ・ The user has the effect of being able to perform the payment processing flexibly according to his / her own action content and time. .

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Next, an embodiment of a settlement system and a settlement method of the present invention will be described in detail with reference to the drawings.

In the settlement system and settlement method of the present invention, a retailer / restaurant order / accounting system terminal 20 is connected to a credit company information center terminal 10 by a communication line 40, and a user is similarly connected to the credit company information center terminal 10. The mobile phone 30 is connected by a telephone line 50 (FIG. 1).

The embodiment will be described in detail with reference to FIG. 2, taking as an example a payment for a food and drink at a restaurant.

At a restaurant, a user orders food and drink.

The restaurant clerk inputs the order details to the portable terminal of the restaurant order / accounting system terminal 20 when receiving the order from the user (step B1).

When the input is completed, the following information is automatically transmitted from the restaurant order / accounting system terminal 20 to the credit company information center terminal 10 (step B).
2).

The shop number, the accounting number, and the amount The credit company information center terminal 10 registers the information transmitted from the restaurant order / accounting system terminal 20 in a database (step A1).

When the restaurant clerk can provide all the ordered items to the user, the restaurant / order / accounting system terminal 2
The slip printed out from 0 is passed to the user (step B3).

The user makes a telephone call (free dial (registered trademark)) from the mobile phone 30 to the credit company information center terminal 10 while sitting at the seat after or during eating and drinking (step C1).

The credit company information center terminal 10
Upon receiving the telephone connection from the user, the caller's telephone number is automatically identified (step A2), and an inquiry about the user's personal identification number is transmitted to the user's mobile phone 30 in character information (step A3).

In response to the password inquiry, the user
The personal identification number is input by a button on the mobile phone 30 (step C2).

On the other hand, the credit company information center terminal 10 identifies the registered user from the telephone number identified in step A2 and the password returned in step C2 (step A4), and continues to use the registered user. Inquiry of store number and accounting number by text information of user's mobile phone 3
0 (step A5).

In response to the inquiry about the store number and the transaction number, the user inputs the store number and the transaction number described on the slip passed from the restaurant clerk in step B3 using the mobile phone 30 as buttons. (Step C3).

On the other hand, the credit company information center terminal 10 searches the database for target accounting information based on the shop number and the accounting number returned from the user,
The following information is transmitted to the user's mobile phone 30 (step A6).

-Payment target amount (applicable accounting amount)-User's usage limit and current month balance-Request for confirmation of the above contents (designate confirmation button number) The user confirms the above settlement contents by character display on the mobile phone 30 Then, if there is no mistake in the contents, the user inputs the button of the designated confirmation number (step C4).

In response, the credit company information center terminal 10 transmits a user's settlement intention confirmation inquiry (designating a confirmation button number) to the user's mobile phone 30 (step A7).

The user inputs the button of the designated number as confirmation of the intention of settlement (step C5).

The credit company information center terminal 10
Receiving the reply of the user's settlement intention confirmation, the completion of the settlement acceptance for the relevant transaction is transmitted to the user's mobile phone 30 (step A8).

The user confirms that the payment has been accepted on the character display of the mobile phone 30 and hangs up (step C6).

The credit company information center terminal 10
The settlement processing on the system is executed, and the target accounting number and the completion of the settlement processing are transmitted to the restaurant order / accounting system terminal 20 (step A9).

In response to this, the order / accounting system terminal 20 of the restaurant performs a settlement completion process for the corresponding accounting number (step B4).

Finally, the user hands the slip to the restaurant's accounting office when opening the store, and the restaurant clerk only confirms that the settlement process of the relevant accounting is completed on the screen of the restaurant order / accounting system terminal 20. Confirmation, accounting work is completed.

[0031]

The first effect is that it is possible to purchase goods and eat and drink without having cash and a credit card.

The second effect is that in a restaurant (especially a family restaurant, etc.), after the user eats or drinks (or during the eating and drinking), the user can perform the settlement processing by the mobile phone while sitting at the seat based on the passed slip. .

At the time of opening a store, the checkout operation is completed only by confirming that the payment process has been completed at the checkout place, thereby reducing the user's labor and waiting time.

In addition, the turnover of the restaurant is also improved, and the waiting time of the user when entering the restaurant is reduced.

Further, since the labor (labor cost) on the restaurant side can be reduced, the commodity price can be reduced.

The third effect is that, at a retail store (especially a shopping center, etc.), payment processing is carried out by a mobile phone while depositing goods at an accounting counter, receiving a slip, eating a meal, or having a child play. It becomes a flexible means of payment for the user, for example.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a first embodiment of the present invention.

FIG. 2 is a diagram illustrating an operation of the first exemplary embodiment of the present invention.

[Explanation of symbols]

 10 Credit company information center terminal 20 Retail store / restaurant order / accounting system terminal 30 User's mobile phone 40 Communication line 50 Telephone line

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) G07G 1/12 321 G07G 1/12 321L 361 361C F term (reference) 3E042 AA04 BA20 CC01 EA01 5B049 AA05 BB11 BB55 CC36 DD01 DD05 EE01 EE05 FF03 FF04 FF09 GG01 GG05 GG06 GG07 5B055 BB10 BB12 CB09 CB10 EE02 EE03 EE13 EE21 EE27 FA01 FB03 HA04 JJ05 MM20 PA02 PA34 5B085 AA08 AE03 BC02

Claims (14)

[Claims] 1. A communication line, a mobile phone (or PHS or the like) of a user who can connect to the communication line, an order / accounting system terminal of a retail store or a restaurant, and a credit company information center terminal. The mobile phone includes: a means for displaying character information from a credit company information center terminal; a password for identifying a user; a store number for identifying a retail store where the product is purchased or a restaurant where the user eats and drinks; Means for transmitting, to the credit company information center terminal, an account number for specifying the price of the product or the price of the food and drink, and a confirmation signal for confirming the intention to pay, the order / accounting of the retail store or the restaurant. The system terminal includes: a store number for specifying the own store and a meeting for specifying the price of the product desired to be purchased by the user or the price of food and drink of the user. Means for transmitting total number and amount information to the credit company information center terminal; and means for receiving, from the credit company information center terminal, payment settlement completion information of the accounting number, the credit company information center. The terminal includes: an order / accounting system for a retail store or a restaurant; a store number for specifying the retail store or the restaurant; and a means for receiving the accounting number and the price information for specifying the price of the product or the price of the restaurant. Means for receiving a user password from the user's mobile phone, a user number, a transaction number and a payment confirmation signal; and a user's password input request and a user number input to the user's mobile phone. Means for transmitting a request, an account number input request, current month balance information for the usage limit of the user, and a payment intention confirmation request; Means for performing settlement processing based on information received from the order / accounting system terminal of the shop or restaurant and information received from the user, and transmitting settlement processing completion information to the order / accounting system terminal of the retail store or restaurant. And a settlement method. 2. The settlement system and settlement method according to claim 1, wherein the communication line between the user's mobile phone and the credit company information center terminal is a telephone line. 3. Automatically at the time of input to the order / accounting system terminal of the retail store or restaurant, by presenting a product to be purchased by a user (customer) or receiving an order of food and drink at the retail store or restaurant. 2. The settlement system and settlement method according to claim 1, wherein the settlement system and the settlement method are transmitted to the credit company information center terminal. 4. The user according to claim 1, wherein the user receives a voucher for a desired product or a food / drink order at the retail store or the restaurant, and calls the credit company information center terminal from a mobile phone. 1. The settlement system and settlement method according to 1. 5. The credit company information center terminal automatically recognizes a source telephone number when receiving a telephone call from the user, and performs identification of a registered user together with a user password received thereafter. The settlement system and settlement method according to claim 1, wherein: 6. The settlement according to claim 1, wherein the user can select a use limit of the settlement system by checking a use limit and a current month balance based on information received from the credit company information center terminal. Systems and payment methods. 7. In a retail store or a restaurant, a credit company information center stores: a store number for specifying a store, an account number and price information for specifying a price of a product desired to be purchased by a user or a price of food and drink of a user; An order / accounting system terminal, comprising: means for transmitting to the terminal; and means for receiving, from the credit company information center terminal, settlement processing completion information of the accounting number price. 8. A user's desired product information at the retail store or a user's order at the restaurant can be input by a small portable wireless terminal owned by a clerk, and the store number is processed via a process at the in-store main system terminal. 8. The order / accounting system terminal according to claim 7, wherein said credit / accounting number and amount information can be automatically transmitted to said credit company information center terminal. 9. The order / accounting system terminal according to claim 7, wherein a result of receiving the settlement process completion information on the accounting number from the credit company information center terminal can be confirmed at an accounting location terminal. 10. A credit company information center, comprising: a store number for specifying a retail store or a restaurant from an order / accounting system terminal of the retail store or a restaurant, and a transaction for specifying the price of the product or the price of the restaurant. Means for receiving number and price information; means for automatically identifying the source telephone number when receiving an incoming call from the user's mobile phone; and a user PIN number from the user's mobile phone, a store number, Means for receiving an accounting number and a payment confirmation signal; a request for input of a user's password, a request for a store number, a request for an account number, and a balance for the current month for the user's usage limit on the user's mobile phone Means for transmitting information and a request to confirm payment intention; and information received from the order / accounting system terminal of the retail store or restaurant and information received from the user. Credit company information center terminal, characterized in that it comprises a performed payment clearing process, and means for transmitting the payment clearing processing completion information to the order / accounting system terminal of the retail store or restaurant. 11. A security management is performed by automatically recognizing a caller's telephone number when receiving a telephone call from the user, and then performing a registered user identification together with a user password received from the user. The credit company information center terminal according to claim 10, wherein: 12. The credit company information center terminal according to claim 10, further comprising means for transmitting various types of input request information to said user's mobile phone as character information. 13. The credit company information center terminal according to claim 10, wherein a request to confirm payment intention is transmitted to the user's mobile phone after transmitting the user's usage limit and current month balance information. 14. The order / order of said retail store or restaurant.
-Received from the accounting system terminal-Registered the shop number, accounting number, and amount information in the database and received from the user's mobile phone-Settlement processing, such as database search and payment, etc. based on the user number and accounting number 11. The credit company information center terminal according to claim 10, wherein: