JP2002197384A - Portable information terminal and method for settlement of accounts - Google Patents

Abstract

PROBLEM TO BE SOLVED: To solve the problem that although purchasing of commodities and settlement of payment can be performed, a user can't recognize his own status of income and expenditure in purchasing the commodities. SOLUTION: On receiving the information on purchasing the commodities, the user's own income and expenditure information is updated according to the purchase information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a portable information terminal which can be used for purchasing a product, and a method of closing a balance.

[0002]

2. Description of the Related Art An information processing system for connecting a portable telephone as a portable information terminal, a vending machine, and a transaction bank via a wireless telephone line is disclosed in Japanese Patent Application Laid-Open No. Hei 8-87655. That is, when a user purchases a product from a vending machine, a purchase request for the product is transmitted to the vending machine using the mobile phone in which the IC card is inserted, and the vending machine transmits the price information to the mobile phone. Send.

When the user accepts the payment, the portable telephone records the unsettled information on the IC card,
Send settlement request to house bank. When the house bank completes the settlement, the house bank transmits the settlement completion information to the mobile phone, and upon receiving the settlement completion information, the mobile phone changes the unsettled information recorded on the IC card to the transaction completion information.

[0004]

Since the conventional portable information terminal is configured as described above, it is possible to purchase a product and settle the price. There was a problem that it was not possible to recognize the balance.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-described problems, and it is an object of the present invention to provide a portable information terminal and a method for recognizing the income and expenditure which allow a user to recognize his or her own income and expenditure when purchasing a product. With the goal.

[0006]

The portable information terminal according to the present invention, when receiving the purchase information of a product after the reception content is transmitted by the reception means, updates the own balance information according to the purchase information. Means are provided.

[0007] The portable information terminal according to the present invention is provided with updating means for temporarily updating its own income and expenditure information in accordance with the purchase information when receiving the purchase information of the product after the reception content is transmitted by the reception means. It is something.

[0008] In the portable information terminal according to the present invention, when the settlement is completed, the updating means determines to update its own balance information.

A portable information terminal according to the present invention is provided with a household account book creating means for creating a household account book based on its own balance information.

[0010] In the portable information terminal according to the present invention, when the POS terminal receives the reception content from the reception means and transmits the purchase information of the product, the POS terminal transmits a payment request to the payment company.

[0011] The portable information terminal according to the present invention is provided with a settlement means for transmitting a settlement request to a communication company when receiving purchase information of a product.

[0012] The portable information terminal according to the present invention is provided with a settlement means for transmitting settlement completion information to the POS terminal when purchase information of a product is received.

[0013] According to the present invention, the method of closing the balance is such that upon receiving the purchase information of the product, the own balance information is updated in accordance with the purchase information.

[0014] According to the present invention, the method of closing the balance is such that upon receipt of the purchase information of the product, the own balance information is provisionally updated in accordance with the purchase information.

[0015] In the income and expenditure settlement method according to the present invention, the updating of own income and expenditure information is determined when the settlement is completed.

[0016] In the present invention, a method for setting a balance is to create a household account book based on information on the balance of the user.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below. Embodiment 1 FIG. FIG. 1 is a block diagram showing a portable information terminal according to a first embodiment of the present invention. In the figure, reference numeral 1 denotes a portable telephone which is a portable information terminal, 2 is installed in a convenience store or supermarket, etc. Is a POS terminal that transmits product information indicating a payment device, 3 is a payment device installed in a payment company such as a credit company, 5 is a payment management unit of the mobile phone 1, and 6 is a household account management unit of the mobile phone 1.

Reference numeral 11 denotes an information presenting section (information presenting means) for displaying the product information and its own balance information on a display upon receiving the product information transmitted from the POS terminal 2;
When the product information and its own balance information are displayed by the information presenting unit 11, the receiving unit (receiving unit) for accepting the intention of purchasing the product and selecting the settlement method and transmitting the received content, 1
3 is a POS after the reception content is transmitted by the reception unit 12.
When receiving the purchase information of the product transmitted from the terminal 2, the update unit (update means) updates its own balance information according to the purchase information. The updating unit 13 is not limited to updating the income and expenditure information based on the purchase information. Update information.

Reference numeral 14 denotes a receipt receiving unit that receives a receipt accompanying the settlement completion transmitted from the settlement apparatus 3, and 15 denotes a household account book creating unit (household account book creating unit) that creates a household account book based on its own balance information. It is. FIG. 2 is a flowchart showing the income and expenditure settlement method according to Embodiment 1 of the present invention.

Next, the operation will be described. Mobile phone 1
Is installed at a convenience store, etc.
When standing in front of the OS terminal 2, the information presenting unit 11 receives the product information transmitted from the POS terminal 2 (step ST).
1). The connection between the mobile phone 1 and the POS terminal 2 may be in any form, for example, a wireless link, a wired link, or a connection via the Internet. Further, here, a case using the POS terminal 2 is described, but the present invention is not limited to this, and for example, a vending machine may be used.

Upon receiving the product information transmitted from the POS terminal 2, the information presenting unit 11 displays the product information and its own balance information on a display (step ST2).
Since the product information includes the content of the product and the product price, the user can select the product to be purchased. In addition, since the user's own balance information is information on the balance of the bank account recorded in the household account book and the cash in the wallet, the user can recognize the purchasing ability of the current product by looking at the balance information. it can.

When the merchandise information and its own balance information are displayed, the reception unit 12 receives an intention to purchase the merchandise and a selection of a settlement method (step ST3). That is, the user accepts a product to be purchased, and also accepts selection of a payment method of the product (for example, selection of credit settlement, communication charge settlement of the mobile phone 1, electronic money settlement, and the like). However, in the first embodiment, for convenience of explanation, it is assumed that credit settlement is selected. Receiving unit 12, upon receiving the intention to purchase the product and selecting the payment method, transmits the received content to POS terminal 2 (step ST4).

When the POS terminal 2 receives the contents of the reception from the mobile phone 1, the POS terminal 2 transmits the purchase information of the product including the product description and the bill to the mobile phone 1 (step ST).
5) The settlement request is transmitted to the settlement device 3 of the credit company (step ST6).

Upon receiving the product purchase information transmitted from the POS terminal 2, the update unit 13 updates its own balance information according to the purchase information (step ST7). For example, if the balance of the bank account before purchasing the product is 30,000 yen and the cash in the wallet is 20,000 yen, if you purchase the product of 10,000 yen, your own balance information will be changed from 50,000 yen to 40,000 yen. Update to
The updating unit 13 is not limited to updating the income and expenditure information based on the purchase information. Since the information is updated, the user can easily check his / her current balance status by looking at the balance information displayed on the display (the balance information can be displayed at any time by the user's operation). it can.

When receiving the payment request from the POS terminal 2, the payment device 3 issues a receipt by performing a credit settlement process, and transmits the receipt to the mobile phone 1 (step ST8).

The receipt receiving unit 14 receives the receipt accompanying the settlement completion transmitted from the settlement apparatus 3, and outputs the receipt to the household account book preparation unit 15 (step ST9). The household account book creation unit 15 creates a household account book based on the receipt and its own balance information (step ST10).

As is apparent from the above, the first embodiment
According to the configuration, when the purchase information of the product is received, its own balance information is updated according to the purchase information, so that the latest balance information of the user can be presented. At the time of purchase, an effect of being able to recognize its own balance is achieved.

Embodiment 2 In the first embodiment, the updating unit 13 of the mobile phone 1 updates its own balance information when receiving the purchase information of the product.
When the purchase information of the product is received, the receipt and receipt information may be updated only provisionally, and when the receipt receiving unit 14 receives the receipt, the update of the receipt and payment information may be determined. .

That is, at the stage of receiving the purchase information of the product, strictly without updating its own balance information, "when the settlement date of the credit is reached, the current purchase information is deducted by the amount of the purchase price of the product". A comment to the effect is added to the balance information. Then, when the receipt receiving unit 14 receives the receipt, the comment is deleted and the own balance information is actually updated. Thereby, there is an effect that the own balance information can be matched with the actual balance.

Embodiment 3 In the first and second embodiments, when the POS terminal 2 receives the reception content from the reception unit 12 and transmits the purchase information of the product, the POS terminal 2 transmits the payment request to the payment device 3 of the credit company. ,
As shown in FIG. 3, a settlement unit 16 (settlement means) for transmitting a settlement request to the settlement apparatus 4 of the communication company when receiving purchase information of a product may be provided. In the third embodiment, the settlement unit 16 receives a receipt. Thereby, there is an effect that the price of the product can be settled with the communication fee of the mobile phone 1.

Embodiment 4 FIG. In the first and second embodiments, the POS terminal 2 transmits the payment request to the payment device 3 of the credit company when the POS terminal 2 receives the reception content from the reception unit 12 and transmits the purchase information of the product. ,
As shown in FIG. 4, a payment unit 17 (payment means) for transmitting payment completion information to the POS terminal 2 when receiving purchase information of a product may be provided. As a result, there is an effect that the electronic money settlement using the IC card in which the money information is recorded can be performed.

[0032]

As described above, according to the present invention, when receiving the purchase information of a product after the reception contents are transmitted by the reception means, the updating means for updating own balance information according to the purchase information is provided. Since it is configured to be provided, the latest balance information of the user can be presented. As a result, when the user purchases a product, there is an effect that the user can recognize his or her own balance state.

According to the present invention, when the purchase information of a product is received after the reception content is transmitted by the reception means, the updating means for provisionally updating its own balance information according to the purchase information is provided. As a result, the latest balance information of the user can be presented. As a result, there is an effect that the user can recognize his / her own balance when purchasing a product.

According to the present invention, since the updating means is configured to determine the update of the own balance information when the settlement is completed, there is an effect that the own balance information can be adjusted to the actual balance.

According to the present invention, since the household account book creating means for creating the household account book based on the own balance information is provided, there is an effect that the household account book is automatically obtained.

According to the present invention, when the POS terminal receives the content of the reception from the reception means and transmits the purchase information of the product, the POS terminal transmits the payment request to the payment company. There is an effect that can be performed.

According to the present invention, since the payment means for transmitting the payment request to the communication company when the purchase information of the product is received is provided, the price of the product can be settled by the communication fee of the mobile phone. effective.

According to the present invention, since the payment means for transmitting the payment completion information to the POS terminal when the purchase information of the product is received is provided, the electronic money using the IC card in which the money information is recorded is provided. There is an effect that settlement can be performed.

According to the present invention, when the purchase information of a product is received, its own balance information is updated according to the purchase information, so that the latest balance information of the user can be presented. When a user purchases a product, there is an effect that the user can recognize his / her own balance.

According to the present invention, when the purchase information of a product is received, its own balance information is provisionally updated according to the purchase information, so that the latest balance information of the user can be presented. As a result, when a user purchases a product, the user can recognize his / her own balance.

According to the present invention, since the updating of the own balance information is determined when the settlement is completed, there is an effect that the own balance information can be matched with the actual balance.

According to the present invention, since the household account book is created based on its own balance information, the household account book is automatically obtained.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a portable information terminal according to Embodiment 1 of the present invention.

FIG. 2 is a flowchart showing a method for closing a balance according to Embodiment 1 of the present invention;

FIG. 3 is a configuration diagram showing a portable information terminal according to Embodiment 3 of the present invention.

FIG. 4 is a configuration diagram showing a portable information terminal according to Embodiment 4 of the present invention.

[Explanation of symbols]

1 mobile phone, 2 POS terminal, 3, 4 payment device,
5 Settlement management unit, 6 Household account book management unit, 11 Information presenting unit (information presenting means), 12 Receiving unit (receiving means), 13
Updating section (update means), 14 receipt receiving section, 15 household account book creating section (household account book creating means), 16, 17 settlement section (settlement means).

Claims (11)

[Claims] 1. Upon receipt of product information, an information presenting means for presenting the product information and its own balance information, and when the product information and its own balance information are presented by the information presenting means, an intention to purchase the product is determined. Receiving means for receiving the selection of the settlement method and transmitting the received content, and, when the received content is transmitted by the receiving means, receiving the purchase information of the product, updating its own balance information according to the purchased information. A portable information terminal including an updating unit. 2. Receiving the product information, an information presenting means for presenting the product information and its own balance information, and, when the information presenting means presents the product information and its own balance information, an intention to purchase the product. Receiving means for receiving the selection of the settlement method and transmitting the received content, and receiving the purchase information of the product after the received content is transmitted by the above-mentioned receiving means, the provisional balance information is provisionally made according to the purchase information. And a updating means for updating the information. 3. The portable information terminal according to claim 2, wherein said updating means determines update of its own balance information when the settlement is completed. 4. A household account book preparing means for preparing a household account book based on own income and expenditure information.
The portable information terminal according to any one of claims 1 to 3. 5. The settlement apparatus according to claim 1, wherein the POS terminal receives the contents of the reception from the reception means and transmits a settlement request to the settlement company when transmitting the purchase information of the product.
The portable information terminal according to claim 1. 6. The portable information terminal according to claim 1, further comprising a settlement unit for transmitting a settlement request to a communication company when receiving purchase information of a product. . 7. The portable information according to claim 1, further comprising a settlement unit for transmitting settlement completion information to the POS terminal when the purchase information of the product is received. Terminal. 8. Receiving the product information, presenting the product information and its own balance information, accepting the intention of purchasing the product and selecting the settlement method, transmitting the received content, and receiving the purchase information of the product. Then, a balance payment method that updates its own balance information according to the purchase information. 9. Receiving the product information, presenting the product information and its own balance information, accepting the intention of purchasing the product and selecting the settlement method, transmitting the received content, and receiving the purchase information of the product. Then, the income and expenditure settlement method of temporarily updating own income and expenditure information according to the purchase information. 10. The balance settlement method according to claim 9, wherein when the settlement is completed, the update of the balance information is determined. 11. The method according to claim 8, wherein a household account book is created based on the own balance information.