JP2002175480A - Instantaneous settlement system by portable terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an instantaneous settlement system using a portable terminal such as a PDA for realizing an efficient service by selecting selection information displayed at a display by a drag-and-drop method, and performing the instantaneous settlement of a fee. SOLUTION: A PDA 1 is connected through an Internet 2 to the server of a management center 5, and the service of merchandise information or financial information is received from the server. For example, the top page of E commerce or map retrieval is opened so that the purchase of merchandise or the reservation of a service can be performed with this top page as a base, and that various information can be acquired by the map retrieval. For example, it is possible to efficiently acquire the information of the neighborhood of the position of the PDA 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an immediate settlement system using a portable terminal such as a PDA or the like, which purchases goods, reserves a service, and makes an immediate settlement at this time.

[0002]

BACKGROUND OF THE INVENTION Today,
Services such as product purchase and product reservation using the Internet are provided. However, conventional services often use a large computer such as a personal computer as a terminal device. In some cases, a small computer such as a notebook computer or a laptop computer is used, but there is a problem in portability and portability.

The present invention realizes an efficient service by using a portable terminal such as a PDA or a portable telephone, selecting selection information displayed on a display by a drag-and-drop method, and performing an immediate settlement of a fee. An object is to provide an instant settlement system using a mobile terminal.

[0004]

According to the first aspect of the present invention, there is provided a portable terminal and a management server connected to a network, and information is exchanged between the portable terminal and the management server. In an instant payment system using a mobile terminal, a search process for searching for a store, an input process for selecting a product in the searched store, and inputting a required number, and calculating a total price of the product selected by the input process, This is achieved by providing a real-time settlement system with a mobile terminal that performs settlement processing for settlement.

According to a second aspect of the present invention, in the first aspect, a store search is performed based on, for example, a category of a shop. According to a third aspect, in the first aspect, the store search is performed based on, for example, a product category.

[0006] The above object is attained by the invention according to claim 4.
In a real-time settlement system using a mobile terminal having a mobile terminal connected to a network and a management server, and exchanging information between the mobile terminal and the management server, a search process for searching for a store on a map; Select the product in
This is achieved by providing an instant payment system using a portable terminal that performs an input process of inputting a required number and a total amount of goods selected by the input process, and performs a payment process of performing payment.

[0007] The above object is attained by the invention according to claim 5.
In a real-time settlement system using a mobile terminal having a mobile terminal and a management server connected to a network and exchanging information between the mobile terminal and the management server, a search process for searching for a hotel on a map, This is achieved by providing an instant payment system with a mobile terminal that performs a reservation process of acquiring information of the above and making a reservation, and performing a payment process of performing a payment according to the reservation content set by the reservation process.

[0008] The above object is attained by the invention according to claim 6.
A program used for an immediate settlement system by a mobile terminal having a mobile terminal connected to a network and a management server, and exchanging information between the mobile terminal and the management server, a search process for searching for a store, A computer-executable program that includes an input process of selecting a product in a searched store and inputting a required number, and a payment process of calculating and paying a total price of the product selected by the input process. This is achieved by providing a recording medium for recording a simple program.

[0009] The above object is attained by the invention according to claim 7.
A program used for an immediate settlement system by a mobile terminal having a mobile terminal connected to a network and a management server and exchanging information between the mobile terminal and the management server, and a search for searching for a store on a map A program including a process, a process of displaying information of a searched store, selecting or reserving a product, and a settlement process of setting a fee generated by the process, wherein the computer-executable program is recorded. This is achieved by providing a recording medium.

[0010]

Embodiments of the present invention will be described below with reference to the drawings. <First Embodiment> FIG. 1 is a system configuration diagram illustrating a first embodiment of the present invention. As shown in FIG. 1, this system uses the Internet 2 around a PDA (personal digital assistants) 1 to provide goods and services,
This is a system for purchasing and paying for financial products.

A PDA 1 is a portable terminal of a user of the present system, and an example is shown in FIG. The PDA 1 stores a program in which a protocol necessary for communication using the Internet 2 is written, and displays various images described later on a display according to the program. In addition, PD
The configuration is not limited to A1, and a configuration using a mobile terminal such as a mobile device or a mobile phone may be used in this example.

The Internet 2 has a certification company 6
Also, telephone carriers 7 and 8 and a content distribution company (not shown) are connected to perform various authentications and various content distributions.

On the other hand, the management center 5 operates the system of this embodiment, and performs the management and management of the above-mentioned products and services, the purchase of financial products, and the settlement. The management center 5 has a server, and performs control necessary for system operation and database management.

FIG. 3 is a system configuration diagram of a server constructed in the management center 5. In the figure, the server 10 is C
The CPU 10a includes a PU 10a, a ROM 10b, a RAM 10c, and the like. The CPU 10a performs processing according to a system program recorded in the ROM 10b, and external storage devices (memory) 11a to 11 connected to the server 10 as necessary.
Write the information to be described later in c and store it in an external storage device (memory).
Information is read from 11a to 11c. In addition, necessary information is displayed on the display 10d of the server 10, and information is transmitted and received via a communication line.

The system control of this embodiment is performed by the ROM 10b.
Is executed in accordance with a program stored in a floppy (registered trademark) disk 12 or a CD-ROM, as shown in FIG.
A configuration is also possible in which a recording medium such as the ROM 13 is mounted, and the program is read out from the recording medium and used.

Next, the processing operation of the instant settlement system using the portable terminal according to the present invention will be described with reference to a flowchart. First, as shown in FIG.
Is operated, and e-commerce is designated, and according to the flowchart shown in FIG.
A top page of tronic commerce is displayed (step (hereinafter, referred to as ST) 1). FIG. 5A shows the display screen of the top page at this time, and input areas 21 and 22 for “member number” and “password” are displayed on the top page. Here, the user inputs a “member number” and a “password” using, for example, a stylus pen (S
T2).

Next, when the user points the “next” button 23, the management center 5
Is transmitted to the server 10, and the server 10 performs identity verification based on the "member number" and the "password" (ST3).
Here, if there is a problem with the “member number” or the “password”, the identity verification (ST3) becomes NG, and the display information of the top page is sent to the PDA1. On the other hand, if there is no problem in the personal identification (ST3 is OK), the search screen is sent to the PDA terminal, and the search screen is displayed on the display (ST4).

FIG. 5B is an example of a search screen, which is displayed as “Shop
(Shop) category "and" product category "selection units 24 and 25, and a keyword input unit 26. The keyword input section 26 is used to input a keyword desired by the user.

Here, for example, when the selection area 24 of "Shop (shop) category" is selected (ST5), FIG.
The screen information shown in (c) is transmitted from the server 10, and various types of businesses such as bookstores and supermarkets are displayed (ST6).

Next, the user selects a desired type of business, and clicks a triangle located on the right side of the type of business. For example, when the user desires a bookstore, the user selects the bookstore and clicks on the triangle to display the bookstore name (tenant name) registered on the site (ST7, display state shown in FIG. 5D). Next, a desired shop name is selected and the store entry button 28 is pointed (ST8, ST10). When the shop name (bookstore name) is selected, the outline of the shop (bookstore) is displayed (ST
9) You can check the detailed information of the shop.

On the other hand, when searching for a shop from the "product category", the selection area 25 of the "product category" is selected from the search screen shown in FIG. 5B, and the product is displayed (ST11, ST12). . For example, in addition to “beverage” shown in FIG. 4, product categories such as “clothing” and “electric products” are displayed. Then, a product name in the product category selected by the user is further displayed (ST13), and a corresponding shop list is displayed (ST14).

Next, the user selects a desired shop name from the displayed shop list in the same manner as described above, and clicks the enter button 28 (ST8, ST10). still,
Also in this case, when the shop name is selected, the outline of the shop is displayed (ST9), and detailed information of the shop can be confirmed.

FIG. 6 shows an example in which a shop is searched for by a keyword. A desired keyword is input to the keyword input section 26 from the search screen shown in FIG. 6A (ST15). For example, when a keyword "bookstore" is input to the keyword input section 26 and the search button 30 is pointed, information on the searched shop (bookstore) is immediately displayed (ST16). Therefore, the user can select a tenant name for which entry is desired from the displayed information of the shop (bookstore) and click the entry button 31 to enter the desired shop as described above.

After entering a desired shop by the above processing, a commodity selection processing and a commodity purchase processing are performed. FIG.
The flowchart shown in FIG. 7 explains this processing, and FIG. 8 is a screen transition diagram thereof. First, the product selection screen shown in FIG. 8A is displayed on the display of the PDA 1 (ST17), and the product name and unit price to be handled in the selected shop are displayed. By moving the scroll bar up and down, information on the product name and the unit price can be scrolled.

Clicking the □ area shown in the details display displays the details (outline) of the corresponding product (ST)
17 '). FIG. 9 is an information screen of a product, in which a product name, an image photograph of the product, features, and a price are displayed. Also,
Pointing to the “next” button 32 displays the next item information, and pointing to the “back” button 33 returns to the previous item information.

Next, as shown in FIG. 8B, the user selects a desired product, inputs the number of purchased products, and drags the desired product into the product basket 34 (ST18).
To ST20). Thereafter, this process is repeated, and the desired product is put into the product basket 34. Further, as shown in FIG. 8C, the total amount increases each time a product enters the product basket 34 (ST21, ST22). In addition, once product basket 34
Even if the product is placed in the, the product can be returned by pointing to the "return" button 35.

Next, when the "Details" button 36 is pointed (ST23), the purchase details are displayed (ST24). FIG. 10 is an example of a purchase detail screen. The user checks the contents displayed on the purchase details screen, and if there is any deletion, correction, or change, clicks the change button to display the screen shown in FIG. Then, the purchase quantity and the total meter are changed (S
T25), the purchase detail screen is displayed again.

Next, if there is no error in the purchase details screen, the settlement button 36 is pointed (ST26). Through this process, the payment content for confirmation is displayed on the PDA 1 (ST27). The display of the settlement contents is the display of the total amount, the settlement account information, the settlement bank and the like.

Next, when the purchase button is pointed according to the flowchart shown in FIG. 11 (OK in ST28), a final intention confirmation screen is displayed (ST29). If the purchase button is not pointed (NO in ST28), the screen returns to the above-mentioned E-commerce top page, and when the "return" button is clicked, the screen returns to the previous purchase details screen.

FIG. 12A shows a final intention confirmation screen.
It is also a payment screen. The example shown in FIG. 12 (a) is for a bank account settlement. If the user wishes to purchase the selected product as described above, the password input unit 3 shown in FIG.
Enter “password” in 8 and point to the OK button 37. After inputting the "password", the user points to the confirmation button and waits for the confirmation result from the management center 5 (ST32).

In the server 10, the entered "password"
Is confirmed (ST30), and the presence or absence of an account is confirmed together with the identity verification (ST31). If there is a problem, the screen returns to the final intention confirmation screen as NG. On the other hand, if there is no problem,
As K, a determination process is performed (ST33).

Next, a settlement process is performed, and when the settlement process is completed (ST34 is OK), the purchase details are displayed. FIG. 12C shows the purchase details screen, in which the purchased product name, unit price, quantity, total amount, bank name, and the like are displayed (S).
T35). Therefore, a user who purchases a product using the present system can reliably check the purchase price of the product.

If the settlement has not been processed for some reason, NG result information is sent, and the user can confirm that the settlement is still unprocessed. When the display process is completed, the PDA 1 returns to the top page by a specific key operation (ST36).

By performing the above processing, the PD
A1 is used to search for a shop, enter the searched shop, select a desired product, enter the number of purchases, and make a payment. Therefore, it is a very convenient system, and a more versatile system can be obtained by using a portable terminal such as a mobile phone and a PHS in addition to the PDA. <Second Embodiment> Next, a second embodiment of the present invention will be described.

This example is a system for checking shop information from a map using the PDA 1. The basic system is the same as that of FIG. Hereinafter, a specific description will be given. First,
As shown in FIG. 2C, the user operates the PDA 1,
When a map search is designated, the top page of the map search is displayed on the display according to the flowchart shown in FIG. 13 (step (hereinafter, referred to as STP) 1).

FIG. 14A is a top page of the map search. First, selection areas 40 and 41 for "neighborhood map" and "search by area" are displayed. A keyword input section 42 for keyword search is also displayed on the top page.

Here, when the user points to the area 40 of the "neighborhood map", a search screen of the "neighborhood map" (FIG.
(B)) (YES in STP2), and selects the area 41 of “search by area” (NO in STP2, ST
P3 is YES) "Search by area" search screen (FIG. 14)
Go to (c)). When the “registration” button 44 is pointed, the screen shifts to a member registration screen (STP3 is set to N).
O, STP4 is YES, STP5).

Here, for example, area 4 of the "neighborhood map"
When 0 is selected, a map of the neighborhood where the PDA 1 is located is displayed (STP6). FIG. 15A is a display example of this “neighborhood map”, a shop is displayed together with the map information, and the shop can be entered by pointing to the position of the desired shop (STP7 is YE).
S). In this case, the user inputs a "member number" and a "password", and clicks a "next" button 46 to display a product selection screen (STP8, 9). The product selection screen displays the shop name and the product name as shown in FIG. 8C, and confirms the product name and the image photograph, features, amount, etc. of the product on the product information screen, as described above, for example. Select the product you want. Then, the user inputs the number of purchases, drags the desired product into the product basket, and makes a payment (STP10, 11).

On the other hand, if the user points to a hotel shown in FIG. 16A, information on the hotel can be obtained. FIG. 4B shows an example of information display of the hotel. It displays information such as the characteristics of the hotel, information on profits and other information.
Further, when making a reservation for the hotel, a room type, the number of persons, etc. are designated as shown in FIG.

FIG. 17 is a diagram specifically explaining the above processing. FIG. 7A shows a reservation screen. For example, in this example,
In order to obtain vacancy information from October 9, 2000 to October 31, 2000, corresponding information is input and transmitted to the server. FIG. 6B shows a display showing the search result, in which information transmitted from the server is displayed on the display of the PDA 1. The user looks at the vacancy status and, if OK, clicks the "reservation" button 48 to display the final confirmation screen (FIG. 3 (c)).

When transmitting the final confirmation information, enter the "password". When returning to the vacancy search or returning to the map information, click the corresponding button. FIG. 18 shows a confirmation screen finally sent to PDA1.

On the other hand, when an area of "search by area" is selected from the map search site shown in FIG.
As shown in FIG. 9A, "Kanto", "Tokai", "Hokuriku", etc. are displayed (STP12). Furthermore, for example, "Kanto"
Is selected, "Tokyo", as shown in FIG.
"Chiba", "Gunma", etc. are displayed (STP1
3). Further, for example, when "Chiba prefecture" is selected, the display of each city in Chiba prefecture is displayed as shown in FIG.
P13).

Accordingly, the user can display map information on the display of the PDA 1 and obtain information on a desired area by using “search by area”. As described above, the user can display the “neighborhood map” to collect information on nearby shops and the like, and use the information to purchase products, reserve rooms, and the like. You can also use "Search by Region"
Information on other regions can also be collected.

FIG. 20 shows a modified example of the above map search. For example, after pointing at a position A on a map, the moving image B is displayed in an area B of the display by scrolling the position A in the direction of the arrow. It may be. With this configuration, it is possible to obtain nearby information as a moving image.

When a shop is searched, a privilege such as a service ticket may be given to the user who searched. FIG. 21 is a diagram for explaining an example of settlement by the PDA 1. For example, the settlement can be used for payment of a bank loan or a public charge, and a desired public charge can be selected and settled. Payment reservations can also be made.

FIG. 22 shows an example of purchasing a menu material using the PDA 1. A recipe is made public, and a desired material is selected by dragging and dropping.
This is a configuration for performing settlement. In addition, calorie calculation is also performed,
This is an extremely effective system.

FIG. 23 shows an example of an immediate loan using the PDA 1. For example, a help button can be used to obtain a necessary amount of loan. In this case, PD
It can be performed immediately using A1, and there is no need to go to a place where a dedicated terminal device is located.

[0048]

As described above, according to the present invention, P
This is a very convenient system because it is possible to search for a shop using a mobile terminal such as a DA, enter the store, select a desired product, and make a payment.

Also, a "neighborhood map" is displayed to collect information on nearby shops, and can be used for shopping and various reservations.
Further, information on other areas can be collected by using “search by area”.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram illustrating a first embodiment of the present invention.

FIG. 2 is an external view of a portable terminal of a user of the present system.

FIG. 3 is a system configuration diagram of a server constructed in a management center.

FIG. 4 is a flowchart illustrating a first embodiment.

FIG. 5 is a screen transition diagram including a top page.

FIG. 6 is a screen transition diagram of a search screen.

FIG. 7 is a flowchart illustrating a first embodiment.

FIG. 8 is a screen transition diagram of a product selection screen.

FIG. 9 is a diagram illustrating a product information screen.

FIG. 10 is a diagram illustrating a purchase details screen.

FIG. 11 is a flowchart illustrating a first embodiment.

FIG. 12 is a screen transition diagram of a settlement screen.

FIG. 13 is a flowchart illustrating a second embodiment.

FIG. 14 is a screen transition diagram of a map search including a top page.

FIG. 15 is a screen transition diagram of a neighboring MAP screen.

FIG. 16 is a screen transition diagram of a reservation service screen.

FIG. 17 is a screen transition diagram for explaining details of a reservation screen.

FIG. 18 is an example of a reservation final confirmation screen.

FIG. 19 is a screen transition diagram of a map search.

FIG. 20 is a screen transition diagram of a neighboring MAP screen.

FIG. 21 is a screen for settlement of various invoices.

FIG. 22 is a material purchase screen based on a cooking menu.

FIG. 23 is a screen example of an immediate loan.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 PDA 2 Internet 5 Management center 6 Certification company 7, 8 Telephone carrier 10 Server 10a CPU 10b ROM 10c RAM 10d Display 11a-11c External storage device 12 Floppy disk 13 CD-ROM 21,22 Input area 23 "Next" Buttons 24, 25 Selection section 26 Keyword input section 30 Search button 31 Enter shop button 33 "Return" button 34 Product basket 37 Settlement button 38 Password input section

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/30 110 G06F 17/30 110G 320 320A (72) Inventor Katsuyuki Teramoto 6 Nishishinjuku, Shinjuku-ku, Tokyo 14-1 Shinjuku Green Tower Building 20F F-term in MTIA Corporation (reference) 5B075 ND16 PP02 PP12 PP22 PQ02 PQ42 UU14

Claims (7)

[Claims] 1. A search process for searching for a store in a real-time settlement system with a mobile terminal having a mobile terminal connected to a network and a management server, and exchanging information between the mobile terminal and the management server. And an input process for selecting a product in the store and inputting a required number, and calculating a total price of the product selected by the input process, and performing a payment process. Payment system. 2. The immediate settlement system using a portable terminal according to claim 1, wherein the search for the shop is performed based on a category of the shop. 3. The instant payment system using a portable terminal according to claim 1, wherein the search for the store is performed based on a category of a product. 4. A search process for searching for a store on a map in a real-time settlement system using a mobile terminal having a mobile terminal connected to a network and a management server and exchanging information between the mobile terminal and the management server. And an input process of selecting a product in the searched shop and inputting a required number, and a payment process of calculating a total amount of the product selected by the input process and making a payment. Immediate payment system by terminal. 5. A search process for searching for a hotel on a map in an instant settlement system using a mobile terminal having a mobile terminal and a management server connected to a network and exchanging information between the mobile terminal and the management server. And a settlement process for acquiring information of the searched hotel and making a reservation, and a settlement process for making a payment according to the reservation content set by the reservation process. 6. A program used for an immediate settlement system by a mobile terminal having a mobile terminal connected to a network and a management server, and exchanging information between the mobile terminal and the management server. And a settlement process for calculating the total price of the products selected by the input process, and performing settlement. And a recording medium for recording a computer-executable program. 7. A program used for an immediate settlement system using a portable terminal having a portable terminal connected to a network and a management server, and exchanging information between the portable terminal and the management server. A computer-executed program that includes: a search process for searching for a store; a process of displaying information of the searched store to select or reserve a product; and a payment process of setting a fee generated by the process. Recording medium for recording possible programs.