JP2002157543A - Settlement system utilizing portable telephone set - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve convenience by realizing the unitary processing of various charge payments in an electronic settlement utilizing a portable telephone set without installing a special device. SOLUTION: This settlement system is provided with the portable telephone set equipped with a position confirmation function such as a GPS and a display, a means for inputting an access signal to the portable telephone set in order to utilize one of the associated pay facilities displayed on the display, a means by which the portable telephone set receives data such as a charge for the associated pay facilities use from the associated pay facilities, a means by which the portable telephone set transmits the above charge data, etc., to a management server computer, a means for transmitting the above charge data, etc., to an associated telephone company for paying the use charge and a financial institution such as an associated credit card company, a means for transmitting a signal for terminating/confirmation of the settlement processing from the management server computer to the portable telephone set, and a means for transmitting a signal for terminating/confirmation of the settlement processing to the associated pay facilities.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a pre-affiliated toll facility such as a highway, a railway fare, a movie theater and the like, and an article purchasing facility in a department store, supermarket, shopping mall, vending machine, etc. (Collectively referred to as affiliated toll facilities). It relates to a payment method that uses a mobile phone to automatically settle and collect charges.

[0002]

2. Description of the Related Art Conventionally, toll payment at toll gates and toll checkouts has caused traffic jams and queues on expressways and railways, and payments have been made at department stores, supermarkets, shopping malls, vending machines, and the like. In order to shorten the payment settlement time by using a pre-registered credit card or prepayment card, or to implement non-stop tollgates by introducing electronic payment by wireless communication,
There have been proposals and trials of taking user's settlement-capable data into a mobile terminal and exchanging data with a dedicated terminal for electronic settlement.

[0003] However, each of these proposed electronic settlement methods requires a device for mounting a dedicated communication terminal on a car, or prepares a dedicated identification terminal and a data communication terminal on the facility side. In addition, the user has to take data into a dedicated card or a dedicated terminal, or an IC card or a portable terminal in advance, or the processing method is different depending on the facility used, so that the handling is troublesome.

[0004]

SUMMARY OF THE INVENTION In view of the above-mentioned prior art, the present invention focuses on the recent spread of portable telephones, and does not set up a special identification terminal or data communication terminal, but also settles on portable telephones. Electronic payment using a mobile phone without storing and storing data for business use, shortening the processing time of tollgates on expressways and railroads and reducing traffic congestion without stopping, credit for payments at department stores, shopping malls, vending machines, etc. It is an object of the present invention to provide various fee payment methods using a mobile phone that can be used at all affiliated toll facilities, free from the hassle of carrying and using a card such as a card.

[0005]

SUMMARY OF THE INVENTION In order to solve the above-mentioned problems, the present invention provides a portable telephone 1 equipped with a position confirmation function such as a GPS and a display 1A, and when the function and the portable telephone 1 are activated. Means for displaying the location of the mobile phone 1 and the location of the affiliated toll facility 2 in the surrounding area on the display 1A of the mobile phone 1, and a specific affiliated toll facility among the affiliated toll facilities 2 displayed on the display 1A Access signal to use mobile phone 1
Means for inputting the access signal input to the mobile phone 1 to the management server computer 3;
In preparation for when the management server computer 3 receives the access signal, information such as the availability of the registered user of this system, the available balance, the settlement method, the used financial institution, etc. (collectively referred to as user information) is prepared in advance. , A means by which the management server computer 3 that has received the access signal transmits the grasped user information to the mobile phone 1, and a means of the registered user transmitted to the mobile phone 1. A means for displaying information on the display 1A of the mobile phone 1, a means for the mobile phone 1 to receive data such as a usage fee at the affiliated toll facility 2 from the affiliated toll facility 2, Means for transmitting data such as usage fees to the management server computer 3, and usage fees based on a fee calculation program provided in the management server computer 3. A calculation means, affiliated to financial institutions, such as tie-up telephone company 4 and co-branded credit company 5 the management server computer 3 to settle the usage fee toll facility 2
Means for transmitting data such as usage charges at the terminal, means for transmitting a signal for completing / confirming the settlement processing from the management server computer 3 to the mobile phone 1, and means for transmitting the signal for completing / confirming the settlement processing to the mobile terminal 1. And a means for transmitting a signal for completing / confirming the payment processing to the affiliated toll facility 2 using a mobile phone.

[0006]

BEST MODE FOR CARRYING OUT THE INVENTION Next, the most preferred embodiment of the present invention will be described in detail with reference to the drawings.
As shown in FIG. 1, a mobile phone 1, a display 1A,
It comprises payment institutions such as affiliated toll facilities 2, management server computer 3, mobile phone company 4, and credit company 5.

FIG. 1 is a block diagram showing the configuration of an embodiment of the present invention, for example, for purchasing goods. The mobile phone 1 is a mobile phone having a position confirmation function such as GPS (Global Positioning System) and a display 1A, a PHS,
It means a computer with a built-in mobile phone or a mobile phone 1 of this system that can be carried. These mobile phones 1 are equipped with a display 1A. When the mobile phone 1 is activated, the mobile phone 1 receives a radio wave from a GPS satellite and displays a map on the display 1A and a current position where they are located. It is displayed. In the present invention, when the mobile phone 1 and the GPS function or the position confirmation function are activated, the display 1 of the mobile phone 1 is activated.
A known means for displaying the location of the car and the location of the affiliated toll facility 2 in the surrounding area is incorporated in A.

The display 1A, which is activated when the portable telephone 1 is activated, shows a display unit, for example, a "department store" which is always used when searching for the available affiliated toll facility 2. A display unit is provided, and a signal indicating an intention to use the affiliated toll facility 2 can be input to the display unit by means of a cursor or a numeric keypad. When this signal is input, the location of the affiliated toll facility 2 existing in the area on the map displayed on the display 1A by the spray is displayed on the display 1A of the mobile phone 1 on the map.

When the management server computer 3 accesses the management server computer 3 and transmits a signal indicating an intention to use the selected affiliated toll facility 2, the management server computer 3 checks the registered user information from the registered user information. User ID and password are used to confirm the user, and the registered user information of the registered user is transmitted to the registered user's mobile phone 1 and the registered user's usage information is displayed on the display 1A of the mobile phone 1. Is displayed.

The management server computer 3 prepares a pre-registered settlement processing method for the specified affiliated facility 2 and counts the amount of the goods purchased by the registered user at the cash register of the affiliated facility 2. Once the purchase fee is confirmed,
Various data, such as the purchase price, are communicated with the affiliated toll facility side 2 by means using a non-contact data communication method such as infrared data communication with the portable terminal 1, and various data, such as usage charges, are transmitted to the management server computer 3 by means. However, in the case of the affiliated facility 2 where a cash register such as a private store that does not have a contactless data communication method is installed, the usage fee and the like are determined by the communication means using the input means of the mobile phone 1 of the registered user. Various data is input, and various data such as a usage fee is transmitted from the mobile phone 1 to the management server computer 3.

In the management server computer 3, the use is confirmed from the registered user's user information data grasped and stored / updated by the management server computer 3, and various data from the affiliated toll facility 2 and the management server computer 3 are transmitted to the management server computer 3. Calculate the purchase amount from the installed charge calculation program and use it to the partner company (financial institution such as mobile phone company 4 or partner credit company 5) of the charge based on the user information from the management server computer 3. Data required for payment such as charges are transmitted, and usage fee / payment processing confirmation data is transmitted to the registered user's mobile phone 1, and the contents are displayed on the display 1A and presented to the registered user for registration and use. The user inputs a confirmation signal from the mobile phone 1, transmits the confirmation signal to the management server computer 3, and receives the received management server. From over computer 3, to send a signal that the settlement process has been established in partnership use facility 2.

A description will be given of an embodiment in which the affiliated toll facility 2 is, for example, an expressway where a use start point and a use end point occur in the present invention. The mobile phone 1 can be mounted on a car such as a mobile phone, a PHS, a mobile phone built-in portable computer or a mobile phone built-in navigator equipped with a position confirmation function such as a GPS (Global Positioning System) function and a display 1A, or This means the mobile phone 1 of the present system that can be carried by a vehicle occupant. These portable telephones 1 are equipped with a display 1A. When the portable telephone 1 is activated, the portable telephone 1 receives a radio wave from a GPS satellite and displays a map and a current position where they are present on the display 1A. It is supposed to be. When the mobile phone 1 and the GPS function or the position confirmation function are activated in the present invention, the location of the car and the location of the affiliated toll facility 2 in the surrounding area are displayed on the display 1A of the mobile phone 1. Known means are incorporated.

The display 1A, which is activated when the portable telephone 1 is activated, includes a display unit which is always used when searching for available affiliated toll facilities 2.
For example, there is a display section that says "Expressway",
A signal indicating an intention to use the affiliated toll facility 2 can be input to the display unit by a means such as a cursor or a numeric keypad. When this signal is input, the location of the affiliated toll facility 2 existing in the area on the map displayed on the display 1A is displayed on the display 1A of the mobile phone 1.

When a signal indicating the desire to use the expressway is transmitted to the management server computer 3 before using the expressway, the management server computer 3 checks the registered user information based on the user information of the registered user. ID
-The user is confirmed with a password or the like, and the user information is displayed on the display 1A of the registered user's mobile phone 1 such as the availability of the registered user, the available balance, and the settlement method.

At the tollgate to be used, the portable telephone 1 uses a non-contact data communication method such as infrared data communication to communicate various data such as vehicle types with the affiliated toll facility 2. The information is transmitted to the computer 3 and the use is confirmed by the management server computer 3 to confirm the use of the expressway and to determine the use starting point tollgate. After confirming the confirmation notice displayed on the display 1A of the mobile phone 1, the registered user temporarily turns the mobile phone 1 off.
Set to F and use the highway.

At the exit of the highway, the mobile phone 1 is turned on again, communicates with the management server computer 3 to confirm the user, and prepares for completion of the use of the highway. Using a non-contact data communication method such as infrared data communication, various types of data such as vehicle type and usage fee are communicated with the affiliated toll facility 2, and various types of data are transmitted to the management server computer 3 and transmitted to the management server computer 3. Check the usage from the saved and updated data, and confirm the passage through the toll booth. The management server computer 3 calculates the toll from the fee calculation program based on the various data from the affiliated toll facility 2 and the data stored and updated in the management server computer 3, and the partner company (mobile phone Company 4
And data necessary for settlement such as usage charges to the credit institution 5 or a financial institution 5).
, And transmits the usage charge / settlement processing confirmation data to the registered user by displaying the contents on the display 1A.

The management server computer 3 is necessary for separately collecting the following usage fee. That is, registered users of affiliated toll facilities 2 such as expressways, department stores, and shopping malls have signed up for various credits. For example, having a mobile phone 1 means that a person or corporation that is both a mobile phone subscriber and a trusted person who can pay the mobile phone fee at the same time,
It has the same meaning as the one with a credit enrollment contract.

If the usage fee is to be paid in addition to the mobile phone fee, known mobile phone ID information capable of specifying the mobile phone 1, or a personal identification number having the meaning of a mobile phone number and a password. Enter your mobile phone number and password using the mobile phone caller ID notification service, or pay the mobile phone number and usage fee using the mobile phone caller ID service together with the mobile phone fee Access to the database of the management server computer 3 which stores the contract, and means for checking the same, or access to the database for knowing that the payment of the mobile phone call fee has not been delayed and means for checking the same. . Also, when the credit number is input from the mobile phone 1 and the inquiry about the number inquiry to the credit company 5 is made, if the credit number is different or registered in the delinquent payment list, the service of the present invention cannot be received. The guidance of
It is assumed that a credit correspondence function having means for prompting disconnection is provided.

If a usage fee is to be paid in addition to the call fee of the mobile phone 1, guidance for prompting the input of a password is transmitted. If the payment is made by the credit company 5, the system waits for the input of the credit number together with the guidance instruction to input the credit number.

Based on the received information, the data bank of the mobile phone company 4 or the credit company 5 is used to inquire whether there is any non-payment of the charge of the mobile phone 1 or whether or not the corresponding credit is credible. Connects with the financial institution's data bank and asks if there are any problems.

After confirming various items in the management server computer 3, if there is no problem, each processing of electronic settlement is sequentially performed.

Incidentally, since the expressway toll and the railway fare are determined depending on the type of vehicle and the route, two before entering the toll gate at the start point of use and before leaving the toll gate at the end point of use.
In this case, the mobile phone 1 transmits to the management server computer 3 various data such as vehicle type data of the affiliated toll facility 2 received in a non-contact manner, such as infrared data communication, with the affiliated toll facility 2. The information to know the location of the toll gate is used by the contact information obtained by the position confirmation function such as the GPS and the non-contact data communication method such as infrared data communication between the mobile phone 1 and the affiliated toll facility 2. The start point toll gate and the use end point tollgate are specified, and it is necessary to confirm the passage of the designated tollgate gate number of each tollgate, so that the vehicle type and route are determined.

The management server computer 3 confirms the usage fee calculated from the toll fee from the fee calculation program based on various data from the affiliated toll facility 2 and data stored and updated in the management server computer 3, and performs a settlement process. Is executed, and the confirmation response request guidance is transmitted to the mobile phone 1 and displayed on the display 1A.

The management server computer 3 transmits to the mobile phone 1 a confirmation response request guidance that the vehicle type and the route have been traveled on the highway, and receives a confirmation signal. It is performed sequentially.

The present invention can be carried out in addition to a part of the above-described embodiments within a range that does not significantly impair the effects of the invention while following the fundamental technical idea thereof. For example, when various information is displayed on the display 1A, entertainment information and special sale information of the affiliated toll facility 2 or various information related to the affiliated toll facility 2 such as congestion status and road construction information are displayed together. Is displayed, the convenience of the user and the advertising effect for attracting customers of the affiliated toll facility 2 can be enhanced.

[0026]

As described above, according to the present invention, it is possible to introduce the system including the mobile telephone 1 and the management server computer 3 without providing a special device in the affiliated toll facility 2. As a result, it is possible to smoothly pass through toll gates on expressways and ticket gates on railways, and to be freed from complicated processing when purchasing goods such as department stores and supermarkets. All payments can be processed with a single payment method, and the affiliated toll facility 2 does not require expensive capital investment.
And excellent effects for both users.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a system configuration according to an embodiment of the present invention.

FIG. 2 is a flowchart illustrating the process of the present invention.

[Explanation of symbols]

 1 mobile phone 1A display 2 affiliated toll facilities 3 management server computer 4 mobile phone company 5 credit company

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (Reference) H04Q 7/38 H04B 7/26 109M 109T

Claims (1)

[Claims] 1. A mobile phone equipped with a position confirmation function such as a GPS and a display, and when the function and the mobile phone are activated, the location of the mobile phone and the existence of an affiliated toll facility in the surrounding area. Means for displaying the position on the display of the mobile phone, means for inputting an access signal to the mobile phone to use a specific affiliated toll facility among the affiliated toll facilities displayed on the display, and access input to the mobile phone Means for transmitting signals to the management server computer, means for the management server computer to keep track of user information of registered users of the method,
Means for the management server computer to transmit the grasped registered user information to the mobile phone, means for displaying the registered user information transmitted to the mobile phone on the display of the mobile phone, Means for receiving data such as usage fees at affiliated toll facilities from affiliated toll facilities, means for mobile phones to transmit data such as usage fees at affiliated toll facilities to the management server computer, This method of processing affiliated toll facility information, usage fee calculation means by a fee calculation program installed in the management server computer, and affiliated toll facilities to financial institutions such as affiliated telephone companies and affiliated credit companies that settle usage fees Means for transmitting data such as usage charges on the mobile phone from the management server computer Means for transmitting a signal for completing / confirming the payment processing; means for displaying a signal for completing / confirming the payment processing on a display of the mobile phone; and transmitting a signal for completing / confirming the payment processing to the affiliated toll facility. A payment method using a mobile phone that uses a mobile phone to settle charges for use at affiliated toll facilities.