JP2002197388A - Settlement method, settlement system and portable telephone - Google Patents

Abstract

PROBLEM TO BE SOLVED: To easily and instantaneously perform settlement in an arbitrary place without a specified settlement processor, and to introduce a system, and maintain and manage the same at a low cost. SOLUTION: The portable telephones X, Y are provided with a virtual coin management part 17 for managing a virtual coin, a service processing part 21 for providing settlement service is provided in a service server 2 connected to a mover network 3, and a transfer request for a virtual coin and addition/ subtraction instruction are given and taken between the portable telephone X at the charge side and the portable telephone Y at the payment side through the service processing part 21 to mutually perform settlement between the portable telephones. According to an accounting request from the mover network 3, the virtual coin subtraction is requested from the service server 2 to the portable telephone X to settle the telephone charge and communication charge. The service server 2 requires the virtual coin subtraction for the portable telephone X, and acts for settlement with a contents provider 12 on the security of the subtraction result.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method, a settlement system, and a portable telephone, and more particularly, to a settlement method, settlement system, and a portable telephone for performing settlement using a portable telephone for managing virtual money value information. It is.

[0002]

2. Description of the Related Art Via a computer or a network,
There have been proposed many settlement systems for performing settlement by exchanging virtual money value information instead of cash. Conventionally, as one of them, a user connects to a computer of a bank in advance and stores monetary value information indicating a predetermined amount in an electronic wallet, and when making a payment, two electronic wallets are stored in a specific payment processing device. A system has been proposed in which two electronic wallets are connected to each other and the money value information corresponding to the payment amount is increased / decreased via the settlement processing device (for example, see Japanese Patent No. 2,874,341). .
In addition, when a user purchases a card in which money value information for a predetermined amount of money is recorded in advance, that is, a prepaid card, and makes a payment, the user inserts the prepaid card into a specific payment processing device and the card is recorded on the prepaid card. There is also a system in which money value information is reduced by the amount paid.

[0003]

However, in such a conventional payment system, in any case, a specific payment processing device is always required when performing payment, and therefore, a payment processing device is installed. There was a problem that payment could not be made in a place where no payment was made. Further, in order to spread the system, it is necessary to install a large number of payment processing devices, and there is a problem that the introduction cost and the maintenance and management cost of the system are extremely high. The present invention is intended to solve such a problem, a payment method that can easily and immediately settle at any place without requiring a specific payment processing device, and that can introduce and maintain a system at a low cost, It aims to provide a payment system and a mobile phone.

[0004]

In order to achieve the above object, a settlement method according to the present invention comprises a portable telephone means for making a call and communication by connecting to a mobile network, and a display means for displaying various information. A plurality of mobile phones having operation means for detecting a user's operation and virtual coin management means for managing virtual coins having a monetary value, and virtual coins between mobile phones connected to a mobile network. Using a service providing device having a service processing unit for providing the payment service, the virtual coin management unit of the billing side mobile phone that becomes the billing side in the settlement, the virtual coin for the billed amount becomes the payment side in the settlement. A virtual coin transfer request for requesting the transfer from the paying mobile phone to the billing mobile phone is transmitted to the mobile network, and the service providing apparatus is provided with the service. The service processing means transmits, via the mobile network, the virtual coin transfer request from the billing mobile phone received via the mobile network to the paying mobile phone to which the request is made, and transmits the virtual coin transfer request to the paying mobile phone. The coin management means displays the request contents of the virtual coin transfer request received from the mobile network, and transfers the virtual coins corresponding to the transfer request amount to the billing side mobile phone in accordance with the payment acceptance operation by the user. A virtual coin transfer notification is transmitted to the mobile network, and the service processing means of the service providing apparatus responds to the virtual coin transfer notification from the paying mobile phone received via the mobile network, and the amount specified in the notification is provided. A virtual coin addition instruction for instructing to add the virtual coin balance by the amount While transmitting to the telephone, a virtual coin subtraction instruction for instructing to subtract the virtual coin balance by the amount is transmitted to the paying mobile phone via the mobile network, and the virtual coin management means of the billing mobile phone, The virtual coin management means of the paying mobile phone adds the virtual coin balance held by the billing mobile phone by the amount indicated by the virtual coin addition instruction received from the mobile network, and The balance of virtual coins held by the paying mobile phone is subtracted by the amount indicated by the coin subtraction instruction.

[0005] Another settlement method according to the present invention is a portable telephone means for making a call / communication by connecting to a mobile network,
A mobile phone having display means for displaying various types of information, operation means for detecting user operations, and virtual coin management means for managing virtual coins having a monetary value; Using a service providing apparatus having a service processing means for providing a settlement service using coins, the service processing means of the service providing apparatus responds to a billing request for a call / communication charge of a mobile phone from a mobile network, A virtual coin subtraction instruction for instructing to subtract the balance of the virtual coin by the fee is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone receives the virtual coin subtraction instruction via the mobile network. According to the virtual coin subtraction instruction, the balance of the virtual coin is reduced by the specified amount. Than it is.

Another settlement method according to the present invention is a portable telephone means for making a call and communication by connecting to a mobile network,
A mobile phone having display means for displaying various types of information, operation means for detecting user operations, and virtual coin management means for managing virtual coins having a monetary value; Using a service providing apparatus having service processing means for providing a settlement service using coins, and a first bank connected to the service providing apparatus via the Internet and opening a settlement operator account, The service processing means transmits a payment request to the mobile phone via the mobile network in response to a payment processing request from the content provider, and the virtual coin management means of the mobile phone executes the contents of the payment request received from the mobile network. Is displayed, and virtual coins for the charged amount are transferred according to the user's payment acceptance operation. A virtual coin transfer notification is transmitted to the mobile network, and the service processing means of the service providing device responds to the virtual coin transfer notification from the mobile phone received via the mobile network by the amount specified in the notification. A virtual coin subtraction instruction for instructing to subtract the virtual coin balance by the amount is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone executes the virtual coin subtraction received via the mobile network. According to the instruction, the virtual coin is subtracted by the designated amount, the virtual coin subtraction completion is transmitted to the mobile network, and the service processing means of the service providing apparatus receives the virtual coin from the mobile phone received via the mobile network. Depending on the completion of the coin subtraction, the specified amount of money will be transferred from the payment provider account to the content provider. The transfer instruction for an instruction to transfer money to an account in which was to be sent to the first bank via the Internet.

[0007] In the above settlement method, when setting a virtual coin in the mobile phone, the first bank which is connected to the service providing device via the communication network and opens a business account of the settlement service provider, and the communication network And a second bank, which is connected to the service providing device via the mobile phone and opens a user account of the user of the mobile phone,
The virtual coin management means of the mobile phone transmits to the mobile network a transfer instruction for instructing to transfer the designated transfer amount from the user account to the business account according to the operation by the user, and The service processing means transfers the transfer instruction from the mobile phone received via the mobile network to the second bank via the Internet, and transfers the transfer instruction from the user account of the second bank corresponding to the transfer instruction to the business account. Receiving a transfer notification transmitted from the first bank after the transfer to the Internet, and issuing a virtual coin addition instruction for instructing to add virtual coins corresponding to the transfer amount according to the transfer notification. The virtual coin management means of the mobile phone transmits to the mobile phone via the network and adds the virtual coins received via the mobile network. Depending on the view, only the amount of money that has been instructed may be added to the balance of virtual coin,

[0008] In addition, when setting a virtual coin in a mobile phone, a first bank that is connected to a service providing apparatus via a communication network and opens a business account of a payment service provider is provided via the communication network. Further using the second bank connected to the service providing device and opening a user account of the user of the mobile phone, the virtual coin management means of the mobile phone sets a transfer amount designated according to an operation by the user. To the mobile network, and the service processing means of the service providing device transmits the transfer instruction from the mobile phone received via the mobile network to the mobile network. To the second bank via the Internet, and in response to the receipt of the transfer instruction, the transfer acceptance notification transmitted from the second bank Via the mobile network, and transmits the transfer acceptance notification to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone transmits the transfer reception notification received via the mobile network to the service providing apparatus. Is transmitted to the mobile network as a transfer acceptance notification of the transfer service, and the service processing means of the service providing apparatus adds the virtual coins corresponding to the transfer amount in response to the transfer reception notification from the mobile phone received via the mobile network. A virtual coin addition instruction is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone is instructed in response to the virtual coin addition instruction received via the mobile network. The virtual coin balance may be added by the amount of money.

In addition, when a virtual coin is set in a mobile phone, a first bank which is connected to a service providing apparatus via a communication network and opens a business account of a payment service provider is provided via a communication network. Further using the second bank connected to the service providing device and opening a user account of the user of the mobile phone, the virtual coin management means of the mobile phone sets the transfer amount designated according to the operation by the user To the mobile network, and the service processing means of the service providing apparatus transmits the transfer instruction from the mobile phone received via the mobile network to the Internet. To the second bank via the Internet, and in response to the receipt of the transfer instruction, the transfer acceptance notification transmitted from the second bank Via the mobile network, and transmits the transfer acceptance notification to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone transmits the transfer reception notification received via the mobile network to the service providing apparatus. Is transmitted to the mobile network as a transfer receipt notification of the transfer, and the service processing means of the service providing apparatus transmits a balance inquiry for confirming the transfer to the Internet in response to the transfer reception notification from the mobile phone received via the mobile network. Instructs the first bank via the Internet, receives a balance notification transmitted from the first bank via the Internet in response to the instruction, and confirms the transfer by the balance notification.
A virtual coin addition instruction for instructing to add the virtual coins for the transfer amount is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone transmits the virtual coin management means received via the mobile network. In response to the coin addition instruction, the virtual coin balance may be added by the designated amount.

[0010] Further, when redeeming virtual coins of a mobile phone, a first bank, which is connected to a service providing apparatus via a communication network and opens a business account of a payment service provider, and via the communication network. Further using the second bank connected to the service providing device and opening a user account of the user of the mobile phone, the virtual coin management means of the mobile phone sets the cash amount specified according to the operation by the user. To the mobile network to instruct the virtual network to redeem the virtual coin for the business account,
The service processing means of the service providing apparatus instructs the first bank via the Internet to transfer money from a business account to a user account in response to a cashing request from a mobile phone received via a mobile network, After the transfer from the business account to the user account by the first bank in response to the transfer instruction, the transfer notification transmitted from the second bank is received via the Internet, and the transfer amount corresponding to the transfer notification is received in accordance with the transfer notification. A virtual coin subtraction instruction for instructing the virtual coin to be subtracted is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone responds to the virtual coin subtraction instruction received via the mobile network. Accordingly, the virtual coin balance may be subtracted by the designated amount.

[0011] In addition, when redeeming virtual coins of a mobile phone, a first bank, which is connected to a service providing apparatus via a communication network and opens a business account of a payment service provider, communicates with the first bank via the communication network. And a second bank that is connected to the service providing device and opens a user account of the user of the mobile phone, the virtual coin management means of the mobile phone uses the cash specified by the operation of the user. A cash request for instructing to convert the amount of virtual coins to a business account is transmitted to the mobile network, and the service processing means of the service providing apparatus responds to the cash request from the mobile phone received via the mobile network. In response, the first bank is instructed to transfer money from the business account to the user account via the Internet. A virtual coin subtraction instruction for receiving a transfer acceptance notification transmitted from the bank via the Internet and instructing the user to subtract virtual coins corresponding to the transfer amount in accordance with the transfer acceptance notification is carried over the mobile network. The virtual coin management means of the mobile phone which transmits the virtual coin to the telephone and subtracts the virtual coin balance by the designated amount in response to the virtual coin subtraction instruction received via the mobile network.

[0012] In addition, when the virtual coin of the mobile phone is redeemed, the first bank, which is connected to the service providing apparatus via the communication network and opens a business account of the payment service provider, and the communication bank via the communication network. And a second bank that is connected to the service providing device and opens a user account of the user of the mobile phone, the virtual coin management means of the mobile phone uses the cash specified by the operation of the user. A cash request for instructing to convert the amount of virtual coins to a business account is transmitted to the mobile network, and the service processing means of the service providing apparatus responds to the cash request from the mobile phone received via the mobile network. Accordingly, instructs the first bank to transfer money from the business account to the user's account via the Internet, and in response to receiving the transfer instruction, the first bank. A virtual coin subtraction instruction for receiving a transfer acceptance notification transmitted from the bank via the Internet and instructing the user to subtract virtual coins corresponding to the transfer amount in accordance with the transfer acceptance notification is carried over the mobile network. The virtual coin management means of the mobile phone transmits the virtual coin balance to the user's account while subtracting the virtual coin balance by the designated amount in response to the virtual coin subtraction instruction received via the mobile network. A balance inquiry for confirming the transfer is transmitted to the mobile network, and the service processing means of the service providing device transmits the balance inquiry from the mobile phone received via the mobile network to the second bank via the Internet. Forwards the corresponding balance notice from the second bank via the Internet via the mobile network. Te transferred to the mobile phone, virtual coin management means of the mobile telephone may be adapted to check the cash request in response to the balance notice received via the mobile network.

[0013] When payment is made to a predetermined payment account using virtual coins of a mobile phone, the first connection is established with a service providing apparatus via a communication network to open a business account of a payment service business. And a third bank connected to the service providing device via the communication network and opening a payment account to be paid by the transfer, and the virtual coin management means of the mobile phone is operated by the user. A payment request for instructing the payment account to pay the virtual coin of the payment amount designated according to the mobile network, and the service processing means of the service providing device, the mobile phone received via the mobile network Instructs the first bank to transfer money from the business account to the payment account in response to a payment request from After the transfer from the business account to the payment account by the first bank, the transfer notification transmitted from the third bank is received via the Internet, and virtual coins corresponding to the transfer amount are subtracted in accordance with the transfer notification. A virtual coin subtraction instruction for instructing the mobile phone via the mobile network is transmitted to the mobile phone, and the virtual coin management means of the mobile phone is instructed in response to the virtual coin subtraction instruction received via the mobile network. Alternatively, the balance of the virtual coin may be subtracted by the calculated amount.

[0014] In addition, when payment is made to a predetermined payment account using virtual coins of a mobile phone, a connection is made to a service providing device via a communication network to open a business account of a payment service business. The virtual coin management means of the mobile phone further includes a first bank and a third bank connected to the service providing apparatus via the communication network and opening a payment account to be paid by the transfer. The payment request for instructing the payment account to pay the virtual coin of the designated payment amount to the payment account in response to the operation is transmitted to the mobile network, and the service processing means of the service providing apparatus transmits the mobile phone received via the mobile network. In response to a payment request from the telephone, the transfer from the business account to the payment account is instructed to the first bank via the Internet, and the transfer instruction is issued. The transfer acceptance notification transmitted from the first bank received via the Internet in response to the reception,
In response to the transfer acceptance notification, a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone transmits In response to the virtual coin subtraction instruction received via the network, the virtual coin balance may be subtracted by the specified amount.

[0015] In addition, when a payment is made to a predetermined payment account using virtual coins of the mobile phone, a connection is made to a service providing apparatus via a communication network to open a business account of a payment service business. The virtual coin management means of the mobile phone further includes a first bank and a third bank connected to the service providing apparatus via the communication network and opening a payment account to be paid by the transfer. The payment request for instructing the payment account to pay the virtual coin of the designated payment amount to the payment account in response to the operation is transmitted to the mobile network, and the service processing means of the service providing apparatus transmits the mobile phone received via the mobile network. In response to a payment request from the telephone, the transfer from the business account to the payment account is instructed to the first bank via the Internet, and the transfer instruction is issued. The transfer acceptance notification transmitted from the first bank received via the Internet in response to the reception,
Instructing the first bank via the Internet to check the balance in response to the transfer acceptance notification, receiving the balance notification transmitted from the first bank via the Internet in response to this, When the transfer is confirmed by the balance notification, a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount is transmitted to the mobile phone via the mobile network, and the virtual coin management of the mobile phone is performed. The means may reduce the virtual coin balance by the designated amount in response to the virtual coin subtraction instruction received via the mobile network.

[0016] Further, the settlement system according to the present invention comprises a portable telephone means for making a call and communication by connecting to a mobile network, a display means for displaying various information, an operation means for detecting a user operation, and a monetary value. Providing a plurality of mobile phones having virtual coin management means for managing virtual coins having a service and a service processing means connected to a mobile network and providing service processing means for providing a settlement service using virtual coins between the mobile phones The virtual coin management means of the billing side mobile phone that becomes the billing side in the settlement requests that the virtual coins corresponding to the billed amount be transferred from the paying side mobile phone that becomes the paying side in the settlement to the billing side mobile phone in the settlement A virtual coin transfer request to the mobile network, and instructed by the virtual coin addition instruction received from the mobile network. The virtual coin management means of the paying mobile phone displays the contents of the virtual coin transfer request received from the mobile network by adding the balance of the virtual coin held by the billing mobile phone by the amount paid. A virtual coin transfer notification for transferring virtual coins for the amount requested to be transferred to the billing mobile phone in response to the payment acceptance operation is transmitted to the mobile network, and is indicated by the virtual coin subtraction instruction received from the mobile network. The balance of the virtual coin held by the paying mobile phone is subtracted by the amount of the paid amount, and the service processing unit of the service providing apparatus
A virtual coin transfer request from the billing mobile phone received via the mobile network is transmitted to the requesting mobile phone via the mobile network, and the payment mobile phone received via the mobile network. In response to the virtual coin transfer notification from the telephone, a virtual coin addition instruction for instructing to add the virtual coin balance by the amount specified in the notification is transmitted to the billing mobile phone via the mobile network, and The virtual coin subtraction instruction for instructing to subtract the virtual coin balance by the amount is transmitted to the paying mobile phone via the mobile network.

Further, another settlement system of the present invention includes a portable telephone means for making a call and communication by connecting to a mobile network, a display means for displaying various information, an operation means for detecting a user's operation, and a currency. A mobile phone having virtual coin management means for managing valuable virtual coins; and a service providing device connected to a mobile network and having service processing means for providing a settlement service using the virtual coins on the mobile phone. The service processing means of the service providing device, in response to a charge request for a call / communication charge of the mobile phone from the mobile network, issues a virtual coin subtraction instruction for instructing to reduce the virtual coin balance by the charge. Sending to the mobile phone via the mobile network, the virtual coin management means of the mobile phone,
According to the virtual coin subtraction instruction received via the mobile network, the virtual coin balance is subtracted by the designated amount.

Further, another settlement system according to the present invention is a portable telephone means for making a call and communicating by connecting to a mobile network, a display means for displaying each information, a means for detecting a user's operation, and a currency. A mobile phone having virtual coin management means for managing valuable virtual coins, a service providing apparatus having service processing means connected to a mobile network and providing a settlement service using virtual coins on the mobile phone, and the Internet And a first bank connected to the service providing apparatus via a service provider to open a settlement operator account, wherein the service processing means of the service providing apparatus issues a payment request to the mobile unit in response to a payment processing request from the content provider. Virtual communication from the mobile phone transmitted to the mobile phone via the network and received via the mobile network In response to the transfer notification, the virtual coin subtraction instruction for instructing the virtual coin balance to be subtracted by the amount specified in the notification is transmitted to the mobile phone via the mobile network, and is transmitted via the mobile network. In response to the completion of the virtual coin subtraction from the received mobile phone, a transfer instruction for instructing to transfer the specified amount of money from the payment provider account to the content provider account is transmitted to the first bank via the Internet. The virtual coin management means of the mobile phone displays the contents of the payment request received from the mobile network, and transmits a virtual coin transfer notification for transferring the virtual coin for the charged amount in accordance with the payment acceptance operation by the user. To the mobile network, and instructed according to the virtual coin subtraction instruction received via the mobile network. Subtracting the virtual coin by the amount fraction, it is obtained so as to transmit the virtual coin subtraction completion to the mobile network.

In the above settlement system, when setting a virtual coin in the mobile phone, the first bank which is connected to the service providing apparatus via the communication network and opens a business account of the settlement service provider, and the communication network And a second bank connected to the service providing device via the mobile phone to open a user account of the user of the mobile phone, wherein the virtual coin management means of the mobile phone is designated according to an operation by the user. A transfer instruction for instructing the transfer amount to be transferred from the user account to the business account is transmitted to the mobile network, and according to the virtual coin addition instruction received via the mobile network, only the specified amount is virtualized. The balance of the coin is added, and the service processing means of the service providing apparatus receives the coin from the mobile phone received via the mobile network. The transfer instruction is transferred to the second bank via the Internet, and the transfer notification transmitted from the first bank after the transfer from the user account to the business account by the second bank according to the transfer instruction is transmitted to the Internet. A virtual coin addition instruction for instructing to add virtual coins for the transfer amount in response to the transfer notification may be transmitted to the mobile phone via the mobile network.

In addition, when a virtual coin is set in a mobile phone, a first bank which is connected to a service providing apparatus via a communication network and opens a business account of a payment service provider is provided via the communication network. A second bank connected to the service providing device and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone sets a transfer amount specified according to an operation by the user. A transfer instruction for instructing a transfer from a user account to a business account is transmitted to the mobile network, and a transfer reception notification received via the mobile network is transmitted to the mobile network as a transfer reception notification to the service providing device. In response to the virtual coin addition instruction received via the mobile network, the virtual coin balance is increased by the specified amount. Calculated by the service the service processing means providing apparatus, a transfer instruction from the cellular phone received via the mobile network via the Internet second
Receiving the transfer acceptance notice transmitted from the second bank in response to the receipt of the transfer instruction via the Internet, transmitting the transfer acceptance notice to the mobile phone via the mobile network, In response to the transfer acceptance notification from the mobile phone received via the mobile network, a virtual coin addition instruction for instructing to add virtual coins for the transfer amount is transmitted to the mobile phone via the mobile network. You may do so.

In addition, when a virtual coin is set in a mobile phone, the first bank which is connected to a service providing apparatus via a communication network and opens a business account of a settlement service provider is connected to the first bank via the communication network. A second bank connected to the service providing device and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone sets a transfer amount specified according to an operation by the user. A transfer instruction for instructing a transfer from a user account to a business account is transmitted to the mobile network, and a transfer reception notification received via the mobile network is transmitted to the mobile network as a transfer reception notification to the service providing device. In response to the virtual coin addition instruction received via the mobile network, the virtual coin balance is increased by the specified amount. Calculated by the service the service processing means providing apparatus, a transfer instruction from the cellular phone received via the mobile network via the Internet second
Receiving the transfer acceptance notice transmitted from the second bank in response to the receipt of the transfer instruction via the Internet, transmitting the transfer acceptance notice to the mobile phone via the mobile network, In response to the transfer acceptance notice from the mobile phone received via the mobile network, a balance inquiry for confirming the transfer is instructed to the first bank via the Internet, and in response to this, transmitted from the first bank. Received via the Internet, and, if the transfer is confirmed by the balance notification, a virtual coin addition instruction for instructing to add virtual coins for the transfer amount via the mobile network. You may make it transmit to a mobile telephone.

Further, when redeeming virtual coins of the mobile phone, the first bank which is connected to the service providing apparatus via the communication network and opens a business account of the settlement service business operator, and the communication terminal via the communication network. A second bank connected to the service providing device and opening a user account of the user of the mobile phone, wherein the virtual coin management means of the mobile phone has a cash amount of the cash amount specified according to the operation by the user. A cash request for instructing the virtual coin to be converted to a business account is transmitted to the mobile network, and in accordance with the virtual coin subtraction instruction received via the mobile network, the virtual coin balance by the specified amount. And the service processing means of the service providing apparatus responds to the cashing request from the mobile phone received via the mobile network, and The transfer from the account to the user account is instructed to the first bank via the Internet, and after the transfer from the business account to the user account by the first bank in accordance with the transfer instruction, the transfer is made from the second bank. Receiving the transfer notice via the Internet, and transmitting a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount in accordance with the transfer notice to the mobile phone via the mobile network. You may.

In addition, when the virtual coin of the mobile phone is redeemed, the first bank which is connected to the service providing apparatus via the communication network and opens a business account of the payment service provider is connected to the first bank via the communication network. And a second bank connected to the service providing device to open a user account of the user of the mobile phone, wherein the virtual coin management means of the mobile phone includes a cash amount designated according to an operation by the user. To the mobile network to instruct the virtual network to convert the virtual coin to the business account, and in accordance with the virtual coin subtraction instruction received via the mobile network, the amount of virtual coins instructed by the designated amount The balance is subtracted, and the service processing means of the service providing device,
In response to the cashing request from the mobile phone received via the mobile network, the transfer from the business account to the user account is instructed to the first bank via the Internet. A virtual coin subtraction instruction for receiving a transfer acceptance notification transmitted from the first bank via the Internet and instructing to subtract virtual coins for the transfer amount in accordance with the transfer acceptance notification via the mobile network. May be transmitted to the mobile phone.

[0024] In addition, when redeeming virtual coins of a mobile phone, the first bank, which is connected to a service providing apparatus via a communication network and opens a business account of a payment service provider, and via the communication network. And a second bank connected to the service providing device to open a user account of the user of the mobile phone, wherein the virtual coin management means of the mobile phone includes a cash amount designated according to an operation by the user. To the mobile network to instruct the virtual network to convert the virtual coin to the business account, and in accordance with the virtual coin subtraction instruction received via the mobile network, the amount of virtual coins instructed by the designated amount While subtracting the balance, send a balance inquiry to the mobile network to confirm the transfer to the user account, via the mobile network Check the cash request in response to the received balance notification, service processor of the service providing device,
In response to the cashing request from the mobile phone received via the mobile network, the transfer from the business account to the user account is instructed to the first bank via the Internet. A virtual coin subtraction instruction for receiving a transfer acceptance notification transmitted from the first bank via the Internet and instructing to subtract virtual coins for the transfer amount in accordance with the transfer acceptance notification via the mobile network. The balance inquiry from the mobile phone transmitted to the mobile phone and received via the mobile network is transferred to the second bank via the Internet, and in response thereto, received from the second bank via the Internet. May be transferred to the mobile phone via the mobile network.

In addition, when a payment is made to a predetermined payment account using virtual coins of the mobile phone, the payment is connected to the service providing apparatus via a communication network, and the payment account is opened to the operator. And a third bank connected to the service providing apparatus via the communication network and opening a payment account to be paid by the transfer, wherein the virtual coin management means of the mobile phone is operated by a user. In accordance with the virtual coin subtraction instruction received via the mobile network, the payment request for instructing the payment account to pay the virtual coin of the specified payment amount to the payment account is transmitted to the mobile network. The balance of the virtual coin is subtracted by the amount, and the service processing means of the service providing apparatus determines whether the mobile phone received via the mobile network Instructs the transfer from the business account to the payment account to the first bank via the Internet in response to the payment request, and after the transfer from the business account to the payment account by the first bank in response to the transfer instruction. A transfer notice transmitted from the third bank is received via the Internet, and a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount in accordance with the transfer notification is provided via the mobile network. You may make it transmit to a mobile telephone.

In addition, when a payment is made to a predetermined payment account using virtual coins of a mobile phone, the payment is connected to a service providing apparatus via a communication network, and a payment service provider is opened. And a third bank connected to the service providing apparatus via the communication network and opening a payment account to be paid by the transfer, wherein the virtual coin management means of the mobile phone is operated by a user. In accordance with the virtual coin subtraction instruction received via the mobile network, the payment request for instructing the payment account to pay the virtual coin of the specified payment amount to the payment account is transmitted to the mobile network. The balance of the virtual coin is subtracted by the amount, and the service processing means of the service providing apparatus determines whether the mobile phone received via the mobile network Instructs the first bank to make a transfer from the business account to the pay account in response to the payment request of the first bank via the Internet, and in response to receiving the transfer instruction, transmits a transfer acceptance notice transmitted from the first bank to the first bank. And a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount in response to the transfer acceptance notification may be transmitted to the mobile phone via the mobile network.

In addition, when a payment is made to a predetermined payment account using virtual coins of a mobile phone, the payment is connected to a service providing apparatus via a communication network, and a payment service provider's account is opened. And a third bank connected to the service providing apparatus via the communication network and opening a payment account to be paid by the transfer, wherein the virtual coin management means of the mobile phone is operated by a user. In accordance with the virtual coin subtraction instruction received via the mobile network, the payment request for instructing the payment account to pay the virtual coin of the specified payment amount to the payment account is transmitted to the mobile network. The balance of the virtual coin is subtracted by the amount, and the service processing means of the service providing apparatus determines whether the mobile phone received via the mobile network Instructs the first bank to make a transfer from the business account to the pay account in response to the payment request of the first bank via the Internet, and in response to receiving the transfer instruction, transmits a transfer acceptance notice transmitted from the first bank to the first bank. Via the Internet, and instructs the first bank via the Internet to confirm the transfer in accordance with the transfer acceptance notification, and in response to the balance notification transmitted from the first bank via the Internet, When the transfer is confirmed by the balance notification, a virtual coin subtraction instruction for instructing to subtract the virtual coin for the transfer amount is transmitted to the mobile phone via the mobile network. It may be.

Further, the portable telephone according to the present invention has portable telephone means for making a telephone call and communication by connecting to a mobile network, display means for displaying various information, and operation means for detecting a user operation. A mobile phone that performs payment via a mobile network, comprising: a virtual coin management unit that manages virtual coins having a monetary value; and an information memory that stores a balance of virtual coins. In the case of the billing side, a virtual coin transfer request is transmitted to the mobile network for requesting that the virtual coin for the billed amount be transferred from the paying mobile phone as the paying side to the billing mobile phone in the settlement. Add the virtual coin balance held by the billing-side mobile phone by the amount specified in the virtual coin addition instruction received from the mobile network, If the payment has already been made, the contents of the virtual coin transfer request received from the mobile network are displayed, and the virtual coins corresponding to the amount requested to be transferred in response to the payment acceptance operation by the user are transferred to the billing mobile phone. Virtual coin transfer notification for transfer to the mobile network, and subtract the virtual coin balance held by the billing mobile phone by the amount specified in the virtual coin subtraction instruction received from the mobile network. It was done.

Further, another portable telephone according to the present invention comprises:
A mobile phone which has a mobile phone means for making a call / communication by connecting to a mobile network, a display means for displaying various information, and an operation means for detecting a user's operation, and which performs settlement via the mobile network. Virtual coin management means for managing virtual coins having a monetary value, and an information memory for storing the balance of virtual coins. The virtual coin balance is subtracted by a designated amount according to a virtual coin subtraction instruction for charging a communication fee.

Further, another portable telephone according to the present invention comprises:
A mobile phone unit that performs a call / communication by connecting to a mobile network, a display unit that displays various information, and an operation unit that detects an operation of a user, and performs a payment via the mobile network; Virtual coin management means for managing virtual coins having a monetary value and an information memory for storing the balance of virtual coins are provided. The virtual coin balance is subtracted by the amount specified according to the virtual coin subtraction instruction.

In these portable telephones, the virtual coin management means and the information memory may be mounted in an IC card detachably connected to the portable telephone.

[0032]

Next, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a configuration diagram showing a payment system according to one embodiment of the present invention. This settlement system includes a plurality of mobile phones X (1X), a mobile phone Y (1Y), a service server (service providing device) 2 which is a mobile phone carrier facility 4, a mobile network 3, the Internet 5, and a mobile phone business. Person's business account 7
Bank A (6A) in which a user account 8 is opened, Bank B (6B) in which a user account 8 is opened, and Bank C (6) in which a payment account 9 for making a payment by transfer is opened.
C), a bank D (6D) in which a content provider account 10 of the content provider is opened, and an interbank settlement network 6 for performing settlement between these banks. This payment system has a service server 2 issue virtual coins, which are virtual currency value information, according to the amount of money paid by a user to a mobile phone carrier in advance, and the virtual coins are sent to the mobile phones X and Y. The virtual coins are accumulated and settled between the mobile phones using the virtual coin.

The portable telephones X and Y are connected to each other via the mobile network 3 to perform voice communication and data communication. FIG. 2 shows a configuration example of a mobile phone. The mobile phone 1 (1X, 1Y) is used for inputting key operations such as a wireless I / F unit 12 for performing wireless communication with the mobile network 3, a display unit 13 for displaying various information on a screen, and dial keys. Operation unit 14, the communication unit 1 for making a voice call
5. A telephone control unit 11 for controlling these units is provided. Further, a virtual coin management unit 17 for executing a settlement service provided by a mobile phone carrier, and an information memory 18 for storing virtual coins and user information are provided. Here, the virtual coin management unit 17 and the information memory 18 are mounted on an IC card including a CPU and a memory IC, and are detachably mounted on the mobile phone 1.

The service server 2 is a server that provides a settlement service from the mobile phone operator to each of the mobile phones X and Y. The mobile phones X and Y subscribing to the settlement service are connected to the service server 2 via the mobile network 3. The service server 2 is connected to the banks A, B, and C via the Internet 5, and the service account 2
Transfer, balance inquiry, etc. are made to the user account 8 and the payment account 9. FIG. 3 shows a configuration example of the service server. The service server 2 refers to a service processing unit 21 for providing various settlement services to the mobile phones X and Y via the mobile network 3 and an authentication DB 23 for managing pre-registered user information. The authentication unit 22 for authenticating the telephones X and Y and the service processing unit 21 are connected to the Internet 5
Communication I / F unit 2 for communicating with banks A and B via
4 are provided.

The bank A (6A) has opened an account of a mobile phone service provider that provides a settlement service, that is, a service account 7. Bank B (6B), Bank C (6C),
In the bank D (6D), an account of a user who uses the settlement service, that is, a user account 8, a payment account 9 for making a payment by transfer, and a content provider account 10 are opened. These banks A, B, C, and D are connected by the existing interbank settlement network 6, and processes such as transfer and transfer are performed between arbitrary accounts. In FIG. 1,
Although the case where the business account 7, the user account 8, the payment account 9 and the content provider account 10 are respectively opened in different banks is shown as an example, some or all of these accounts are in the same bank (the same branch). ).

Next, with reference to FIG. 4, the operation of the settlement system according to the first embodiment of the present invention in the case of making a settlement between the mobile phones X and Y using virtual coins will be described. I do. FIG. 4 is a timing chart showing a settlement operation between mobile phones. The present embodiment is applied to a case where a user having a mobile phone X pays a fee at a restaurant, department store, hotel, parking lot, or the like.
And the mobile phone Y on the side of the claimant. Note that the user and the claimant have previously subscribed to the settlement service, and the mobile phones X and Y have the user information necessary for providing the settlement service and a virtual account obtained in exchange for a bank account transfer. It is assumed that coins are stored in advance.

First, the mobile phone Y is operated by the requester, and the amount required for the user, device information for specifying the user's mobile phone X (for example, telephone number and mail address), etc., are required for settlement. Information is input as request contents (step 100). The telephone control unit 11 of the mobile phone Y detects the operation input of the claimant via the operation unit 14 and notifies the virtual coin management unit 17 of the request. The virtual coin management unit 17 responds to the request by requesting a virtual coin transfer request packet (message) from the mobile phone X to the mobile phone Y to transfer the required amount of virtual coins.
Generate

This request is stored in advance in the information memory 18 of the mobile phone Y, in addition to the billing amount and the device information for specifying the mobile phone Y, service information indicating that the request is a packet relating to a settlement service. It contains information required for authentication, such as the identification information of the claimant who has made the payment and the password for receiving the payment service. After completing the input of the request, the virtual coin transfer request is transmitted from the virtual coin management unit 17 to the mobile network 3 via the telephone control unit 11 and the communication I / F unit 12 (step 10).
1).

This virtual coin transfer request is recognized in the mobile network 3 as a packet related to a settlement service, and is transferred to the service server 2. The service processing unit 21 of the service server 2 receives the virtual coin transfer request and notifies the authentication unit 22 of the request. The authentication unit 22 reads the identification information of the sender, ie, the claimant, the password and the device information of the mobile phone included in the request, and refers to the authentication DB 23 to determine whether the request is from a valid payment service subscriber. Authentication is performed (step 102). When the authentication is not obtained by the authentication unit 22, the service processing unit 21 discards the request. Also,
When the authentication is obtained (Step 102: OK), the request is transferred to the payer, that is, the user's mobile phone X via the mobile network 3 (Step 103).

The telephone controller 11 of the mobile telephone X receives this virtual coin transfer request via the wireless I / F 12 and passes it to the virtual coin manager 17. Virtual coin management unit 1
In step 7, the contents of the request are confirmed, and the contents of the request, such as the billing amount and the billing source, are displayed on the display unit 13 via the telephone control unit 11.
Is displayed (step 104). As a result, the user confirms the contents of the settlement and inputs acceptance of the payment by a predetermined operation (step 105).

The virtual coin management unit 17 includes the telephone control unit 1
A payment acceptance input is confirmed from the operation unit 14 through 1 and a virtual coin transfer notification packet for transferring virtual coins corresponding to the billed amount to the mobile phone Y as the billing source is generated.
This notification includes the payment amount (transfer amount), device information for specifying the mobile phone X, service information indicating that the notification is a packet relating to the payment service, The user information of the user stored in advance in the information memory 18 of the mobile phone X includes user identification information, information required for authentication such as a password for receiving a payment service, and the like. The generated virtual coin transfer notification is sent to the virtual coin management unit 17.
Is transmitted to the mobile network 3 via the telephone control unit 11 and the wireless I / F unit 12 (step 10).
6).

This virtual coin transfer notification is recognized as a packet related to a settlement service in the mobile network 3 and is transferred to the service server 2. The service processing unit 21 of the service server 2 receives the virtual coin transfer notification and confirms from the content that the virtual coin transfer notification is a virtual coin transfer notification to the mobile phone Y (step 10).
7). Then, a virtual coin addition instruction for instructing to add the virtual coins for the payment amount specified in the transfer notification is generated and transmitted to the mobile phone Y via the mobile network 3 (step 108). Mobile phone Y
The telephone control unit 11 receives the virtual coin transfer notification via the wireless I / F unit 12 and
Pass to The virtual coin management unit 17 confirms the content of the notification, and adds the virtual coin balance in the information memory 18 by the payment amount (step 109).

Further, the service processing unit 21 of the service server 2, before or after step 108, instructs to subtract virtual coins by the amount specified in the virtual coin transfer notification from the mobile phone X. A virtual coin subtraction instruction is generated and transmitted to the mobile phone X via the mobile network 3 (step 110). The telephone control unit 11 of the mobile phone X receives this virtual coin transfer notification via the wireless I / F unit 12 and passes it to the virtual coin management unit 17. The virtual coin management unit 17 confirms the content of the notification, and subtracts the virtual coin balance in the information memory 18 by the payment amount (step 111).

As described above, the mobile phones X and Y are provided with the virtual coin management unit 17 for managing virtual coins, the information memory 18 for storing information necessary for the settlement service including the virtual coin balance, and the mobile network 3. A service processing unit 21 for providing the settlement service is provided in the service server 2 connected to the service processing unit 21.
Mobile phone X on the billing side and mobile phone Y on the paying side via
The transfer between virtual phones is performed by exchanging a virtual coin transfer request and an addition / subtraction instruction with the mobile phone, so that a specific payment processing device is not required as in the related art. If you only have a phone, you can easily and instantly pay anywhere.

Further, as a facility for providing a settlement service, it is only necessary to provide the service server 2, and the cost is reduced as compared with the conventional case where a specific settlement processing device is arranged at each settlement place. With this, a payment system can be introduced and its maintenance and management costs can be reduced. As a result, the service subscription cost can be reduced, and a large number of service subscribers can be expected, thereby increasing the number of mobile phone service subscribers. In addition, the service server 2 is provided with an authentication unit 22 to authenticate the validity of the virtual coin transfer request from the billing side and the virtual coin transfer notification from the paying side. And high security can be obtained in the payment system.

Next, with reference to FIG. 5, as an operation of the settlement system according to the second embodiment of the present invention, an operation in a case where a call / communication charge on the mobile phone X is settled using virtual coins. Will be described. FIG. 5 is a timing chart showing the call / communication fee settlement operation of the mobile phone.
In the present embodiment, settlement is performed between the user's mobile phone X and the service server 2 of the mobile phone operator. Note that the user has previously subscribed to the payment service, and the mobile phone X has user information necessary for providing the payment service, and can be obtained by exchanging with a bank account transfer or making a payment between mobile phones. It is assumed that the virtual coin has been stored in advance.

When the call / communication between the mobile phones X and Y via the mobile network 3 has been completed (step 130), the call / communication charge is reduced by the mobile network 3 to the billing destination. Here, a billing request for billing the mobile phone X is transmitted to the service server 2 (step 131). The service processing unit 21 of the service server 2 receives the billing request, confirms the content thereof (step 132), and issues a virtual coin subtraction instruction for instructing to subtract virtual coins for the call / communication fee. The data is transmitted to the mobile phone X via the mobile network 3 (step 133). The virtual coin management unit 17 of the mobile phone X subtracts the virtual coin balance in the information memory 18 by the amount specified in the received virtual coin subtraction instruction (step 134).

As described above, the service server 2 transmits the virtual coin transfer request to the billing portable telephone X in response to the charging request from the mobile network 3, and in response to this, the portable telephone X calculates the virtual coin balance. Because the call and communication charges are deducted, the mobile phone operator can settle the call and communication charges extremely easily and immediately without having to perform monthly billing and account transfer processing for the user. Can,
Mobile phone operators can significantly reduce billing costs. Further, the user can self-manage the call / communication charges by using the mobile phone X itself used for the call / communication.

Next, with reference to FIG. 6, an operation of setting (issuing) a virtual coin to the mobile phone X will be described as an operation of the settlement system according to the third embodiment of the present invention. FIG. 6 is a timing chart showing the virtual coin setting operation. In the present embodiment, it is assumed that the user account 8 has been opened in the bank B in advance, and the user account 8
, A deposit is transferred to the business account 7 of the bank A, and virtual coins corresponding to the transfer amount are set (issued) to the user's mobile phone X. It is assumed that the user has previously subscribed to the settlement service, and that the mobile phone X previously stores user information necessary for providing the settlement service.

First, the virtual coin management unit 1 of the mobile phone X
A predetermined amount 7 is transferred from the user account 8 to the business account 7 in response to the user's transfer instruction operation (virtual coin setting request operation) obtained from the operation unit 14 via the telephone control unit 11 (step 140). It generates a transfer instruction packet (message) instructing the transfer, and transmits the packet to the mobile network 3 via the telephone control unit 11 and the wireless I / F unit 12 (step 141). This instruction includes, in addition to the transfer amount and device information for specifying the mobile phone X, service information indicating that the instruction is a packet relating to a settlement service, and usage information stored in advance in the information memory 18 of the mobile phone X. The user information includes user identification information, information required for authentication such as a password for receiving a payment service, a user account number, a bank number, and the like.

The transfer instruction is recognized in the mobile network 3 as a packet relating to a settlement service, and is transferred to the service server 2. Service server 2
The service processing unit 21 transfers the packet to the Internet 5 via the communication I / F unit 24 because the packet is a transfer instruction. The bank B receives a transfer instruction from the mobile phone X via the Internet 5 in the same manner as a general network banking service, and receives a transfer instruction from the user account 8 via the interbank settlement network 6 according to the transfer instruction. The designated amount is transferred to the business account 7 (step 142).

In response, Bank A transmits a transfer notice to Internet 5 for notifying the contents of the transfer to the mobile phone carrier (Step 143). The service server 2 receives the transfer notification via the communication I / F unit 24, and confirms the mobile phone X and the transfer amount of the user who is the transfer source from the notification contents (step 144). Then, a virtual coin addition instruction for setting (issuing) virtual coins for the transfer amount is transmitted to the mobile network 3 (step 145).

The virtual coin management unit 17 of the mobile phone X
The virtual coin addition instruction is received via the wireless I / F unit 12 and the telephone control unit 11, and the virtual coin balance in the information memory 18 is added by the instruction amount (step 14).
6). As described above, according to the amount of money transferred from the user account 8 to the business account 7, the virtual coin is set from the service server 2 to the user's mobile phone X. In comparison with the above, the user does not need to go to a predetermined store and purchase a prepaid card, so that payment can be made easily and immediately.

As an opportunity for the service server 2 to set a virtual coin for the mobile phone X, the transfer notification from the bank A as described above may be used.
As shown in (1), the bank B may use a transfer acceptance notice to the user here. FIG. 7 is a timing chart showing another virtual coin setting operation, and the operations up to step 141 are the same as those in FIG. In response to the transfer instruction from the service server 2 to the bank B (step 14
1) A transfer acceptance notice for notifying that the transfer instruction has been accepted is transmitted from the bank B to the mobile phone X as the transfer source to the Internet 5 (step 150).
In the service processing unit 21 of the service server 2, the communication I /
The transfer reception notification is received via the F unit 24, and the transfer reception notification to the mobile phone X, which is the notification destination, is transmitted to the mobile network 3.

The virtual coin management unit 17 of the mobile phone X
This transfer acceptance notification is received via the wireless I / F unit 12 and the telephone control unit 11 and transmitted to the service server 2 by the reverse route to the above (step 151). Service server 2
The service processing unit 21 receives the transfer acceptance notification from the mobile phone X via the mobile network 3 and confirms the mobile phone and the transfer amount of the transfer source user from the contents of the notification (step 152). . And mobile phone X
Set virtual coins for the transfer amount (issue)
Mobile network 3
(Step 153).

The virtual coin management unit 17 of the mobile phone X
A virtual coin addition instruction is received via the wireless I / F unit 12 and the telephone control unit 11, and the virtual coin balance in the information memory 18 is added by the instruction amount (step 15).
4). As described above, the transfer acceptance notification notified from the bank B to the mobile phone X is transmitted back to the service server 2 by the mobile phone X, and the virtual coin is set in the mobile phone X upon receiving the transfer acceptance notification. The transfer from the transfer instruction to the business account 7 (step 15
Even in the case where it takes time before 5), since the bank B uses the transfer acceptance notification immediately returned in response to the transfer acceptance, the virtual coin can be set to the mobile phone X without delay.

In addition, as an opportunity for the service server 2 to set the virtual coin for the mobile phone X, as shown in FIG. 8, the service server 2 confirms the transfer from the user by inquiring the balance to the bank A. The point in time may be used as an opportunity.
FIG. 8 is a timing chart showing another virtual coin setting operation. The operations up to step 141 are the same as those in FIG. In response to the transfer instruction from the service server 2 to the bank B (step 141), a transfer acceptance notification for notifying that the transfer instruction has been received from the bank B to the mobile phone X that is the transfer instruction source is sent to the Internet 5. It is transmitted (step 160). The service processing unit 21 of the service server 2 receives the transfer acceptance notification via the communication I / F unit 24 and the mobile phone X via the mobile network 3.
Transfer to

At the bank B, the designated amount is transferred from the user account 8 to the business account 7 via the inter-bank settlement network 6 in accordance with the received transfer instruction from the mobile phone X (step 161). The virtual coin management unit 17 of the mobile phone X receives the transfer acceptance notification via the wireless I / F unit 12 and the telephone control unit 11 and transmits the transfer acceptance notification to the service server 2 via the reverse route (step 16).
2).

The service processing unit 21 of the service server 2
Receives the transfer acceptance notification from the mobile phone X via the mobile network 3 and transmits a balance inquiry for confirming the transfer to the Internet 5 via the communication I / F unit 24 (step 163). Receives the balance notification from the bank A (step 164). Then, the transfer amount from the user account 8 to the business account 7 is confirmed based on the content of the notification (step 165), and a virtual coin addition instruction for setting the virtual coin to the mobile phone X by the transfer amount is transmitted. (Step 166).

The virtual coin management unit 17 of the mobile phone X receives this virtual coin addition instruction, and adds the virtual coin balance in the information memory 18 by the added amount (step 167). As described above, by performing the balance inquiry in the service server 2, the user account 8 is changed to the business account 7
After confirming the transfer, and setting (issuing) virtual coins for the mobile phone X for the transfer amount,
As shown in Figs. 6 and 7 above, even if there is no notification from the bank regarding the transfer by the user or the acceptance of the transfer,
The transfer by the user can be confirmed, and the setting of the virtual coin according to the transfer can be surely executed.

Next, with reference to FIG. 9, the operation of the settlement system according to the fourth embodiment of the present invention when cashing virtual coins of the mobile phone X will be described. FIG. 9 is a timing chart showing the virtual coin exchange operation. In the present embodiment, it is assumed that the user account 8 is opened in the bank B in advance, and the virtual coin stored in the user's mobile phone X is transferred to the user account 8 through the business account 7. And redeemed. Note that the user has previously subscribed to the payment service, and the mobile phone X has user information necessary for providing the payment service, and can be obtained by exchanging with a bank account transfer or making a payment between mobile phones. It is assumed that the virtual coin has been stored in advance.

First, the virtual coin management unit 1 of the mobile phone X
7 corresponds to a user's cashing request operation obtained from the operation unit 14 via the telephone control unit 11 (step 170).
A cash exchange instruction packet (message) for instructing to transfer the designated cash amount to the user account 8 is generated and transmitted to the mobile network 3 via the telephone control unit 11 and the wireless I / F unit 12 (step). 171). The instruction includes, in addition to the cash amount and the device information for specifying the mobile phone X, service information indicating that the instruction is a packet related to the settlement service, and usage information stored in advance in the information memory 18 of the mobile phone X. The user information includes user identification information, information required for authentication such as a password for receiving a payment service, a user account number, a bank number, and the like.

[0094] The cashing instruction is recognized as a packet related to the settlement service in the mobile network 3, and is transferred to the service server 2. Service server 2
The service processing unit 21 receives the cashing instruction and notifies the authentication unit 22. The authentication unit 22 reads the identification information of the sender, ie, the claimant, the password, and the device information of the mobile phone included in the instruction, and refers to the authentication DB 23 to determine whether the instruction is from a valid payment service subscriber. Authentication is performed (step 172). When the authentication is not obtained by the authentication unit 22, the service processing unit 21 discards the cashing instruction. If the authentication is obtained (Step 172: OK), a transfer instruction for instructing the transfer from the business account 7 to the user account 8 by the cash amount designated by the cashing instruction is generated. Communication I
The data is transmitted to the Internet 5 via the / F unit 24 (step 173).

In the same manner as the general network banking service, the bank A receives a transfer instruction from the service server 2 via the Internet 5 and, in accordance with the transfer instruction, transfers the transfer instruction from the business account 7 to the interbank settlement network 6. The designated amount is transferred to the user account 8 via (step 174). In response, Bank B transmits a transfer notice to the Internet 5 for notifying the contents of the transfer to the mobile phone operator (step 175). The service server 2 receives the transfer notification via the communication I / F unit 24, and confirms the mobile phone and the transfer amount of the transfer destination user from the notification contents (step 17).
6) Transmit a virtual coin subtraction instruction to the mobile network 3 to instruct the mobile phone X to subtract virtual coins by the transfer amount (for the cash amount) (step 177).

The virtual coin management unit 17 of the mobile phone X receives this virtual coin subtraction instruction, and adds the virtual coin balance of the information memory 18 by the subtracted amount (step 178). In this way, in response to the user's cashing instruction from the mobile phone X, the service server 2 transfers only the cashing amount from the business account 7 to the user account 8 and the virtual coin of the mobile phone X by the cashing amount. Since the subtraction is performed, the user can redeem the virtual coin in the mobile phone X by a necessary amount as a deposit in the user account when necessary, and can easily and immediately redeem the virtual coin.

As an opportunity for the service server 2 to instruct the mobile phone X to perform virtual coin subtraction, the transfer notification from the bank B may be used as described above.
As shown in FIG. 10, a transfer acceptance notification from the bank A to the mobile phone operator may be used. FIG. 10 is a timing chart showing another cashing operation. The operation up to step 173 is the same as that in FIG. 9 described above. In response to the transfer instruction from the service server 2 to the bank A (step 173), a transfer acceptance notification for notifying that the transfer instruction has been received from the bank A to the service server 2, which is the transfer instruction source, is sent to the Internet 5. It is transmitted (step 180).

The service processing section 21 of the service server 2 receives the transfer acceptance notice via the communication I / F section 24 and confirms the contents of the notice (step 181). A virtual coin subtraction instruction for instructing to subtract virtual coins (for the cash amount) is transmitted to the mobile network 3 (step 182).
The virtual coin management unit 17 of the mobile phone X receives this virtual coin subtraction instruction, and subtracts the virtual coin balance in the information memory 18 by the subtracted amount (step 18).
3).

As described above, the bank A sends the service server 2
In response to the receipt of the transfer acceptance notification notified to the user, the mobile phone X is instructed to subtract virtual coins. By using the transfer acceptance notification returned from A in response to the transfer acceptance, the virtual coin exchange process can be immediately terminated.

In addition, as shown in FIG. 11, the mobile phone X may check the balance with the bank B to confirm the cashing. FIG. 11 is a timing chart showing another virtual coin exchange operation, and the operation up to step 173 is the same as that in FIG. 9 described above. In response to the transfer instruction from the service server 2 to the bank A (step 173), a transfer acceptance notification for notifying that the transfer instruction has been received from the bank A to the service server 2, which is the transfer instruction source, is sent to the Internet 5. It is transmitted (step 190).

In the bank A, the received service server 2
In accordance with the transfer instruction from, the designated amount is transferred from the business account 7 to the user account 8 via the interbank settlement network 6 (step 191). The service processing unit 21 of the service server 2 receives the transfer acceptance notification via the communication I / F unit 24, checks the content of the notification (step 192), and transmits the transfer amount to the mobile phone X (the cash amount). Then, a virtual coin subtraction instruction for instructing to subtract virtual coins by minutes is transmitted to the mobile network 3 (step 193).

The virtual coin management unit 17 of the mobile phone X receives the virtual coin subtraction instruction, and adds the virtual coin balance in the information memory 18 by the subtracted amount (step 194). Then, the virtual coin management unit 17 of the mobile phone X makes a balance inquiry to the bank A (step 195). In the service server 2, the balance inquiry from the mobile phone X is transferred to the bank A, and the corresponding balance notification from the bank A is transferred to the mobile phone A (step 19).
6). The virtual coin management unit 17 of the mobile phone X receives this balance notification and confirms that the virtual coin has been converted into a deposit in the user account 8 (step 197).

As described above, by performing the balance inquiry on the mobile phone X, the transfer from the business account 7 to the user account 8 is confirmed, and the virtual coins of the mobile phone X are exchanged for the transfer amount. Therefore, as shown in FIGS. 7 and 8 above, even when there is no notification from the bank side to the user about the transfer by the mobile phone operator or the acceptance of the transfer, the transfer by the user, that is, the cash transfer, is performed. You can check.

Next, with reference to FIG. 12, the operation of the settlement system according to the fifth embodiment of the present invention in the case of making a settlement between the mobile phone X and an arbitrary bank account will be described. . FIG. 12 is a timing chart showing the virtual coin payment operation. This embodiment is applied to a case where a fee such as a ticket purchase price is paid to a predetermined account. In this example, it is assumed that a payment account 9 of a payee is opened in a bank C in advance. Mobile phone X
Is transferred to the payment account 9 through the business account 7 and is exchanged for cash. The user has previously subscribed to the settlement service, and the mobile phone X has
It is assumed that user information necessary for providing the settlement service, virtual coins obtained by exchange with a bank account transfer, or settlement between mobile phones are stored in advance.

First, the virtual coin management unit 1 of the mobile phone X
7 responds to the user's payment request operation obtained from the operation unit 14 via the telephone control unit 11 (step 200),
A payment instruction packet (message) for instructing the transfer of the designated payment amount to the payment account 9 is generated and transmitted to the mobile network 3 via the telephone control unit 11 and the wireless I / F unit 12 (step 201). ). This instruction is stored in the information memory 18 of the mobile phone X in advance, in addition to the payment amount and the device information for specifying the mobile phone X, service information indicating that the instruction is a packet related to the settlement service, and the information memory 18 of the mobile phone X. The user information includes information necessary for authentication, such as user identification information and a password for receiving a payment service. In addition, the payee information includes an account number and a bank number of the payee.

The payment instruction is recognized as a packet related to the settlement service in the mobile network 3 and is transferred to the service server 2. Service server 2
The service processing unit 21 receives the payment instruction and confirms the content (step 202), and transfers the payment from the business account 7 to the payment account 9 by the payment amount specified by the payment instruction. Generates an instruction and communicates I / F
The data is transmitted to the Internet 5 via the unit 24 (step 203).

Bank A receives a transfer instruction from the service server 2 via the Internet 5 in the same manner as a general network banking service, and in accordance with the transfer instruction, transfers a transfer instruction from the business account 7 to the interbank settlement network 6. (Step 204). In response, Bank C transmits a transfer notice to the Internet 5 for notifying the contents of the transfer to the mobile phone carrier (Step 205). The service server 2 receives the transfer notification via the communication I / F unit 24, and confirms the mobile phone and the transfer amount of the transfer destination user from the notification contents (step 206).
A virtual coin subtraction instruction for instructing the mobile phone X to subtract virtual coins by the transfer amount (payment amount) is transmitted to the mobile network 3 (step 207).

The virtual coin management unit 17 of the mobile phone X receives this virtual coin subtraction instruction, and adds the virtual coin balance of the information memory 18 by the subtracted amount (step 208). Thus, in accordance with the payment instruction from the user's mobile phone X, the service server 2 transfers the payment from the business account 7 to the payment account 9 by the payment amount,
Since the virtual coin of the mobile phone X is subtracted by the payment amount, the user can pay the required amount to the predetermined payee account with the virtual coin in the mobile phone X when necessary. You can pay easily and instantly.

As an opportunity for the service server 2 to instruct the mobile phone X to perform virtual coin subtraction, the transfer notification from the bank C may be used as described above.
As shown in FIG. 13, a transfer acceptance notification from the bank A to the mobile phone operator may be used. FIG. 13 is a timing chart showing another payment operation. The operation up to step 203 is the same as that in FIG. Service server 2
In response to the transfer instruction from Bank to Bank A (Step 203),
From the bank A to the service server 2 which is the transfer instruction source,
A transfer acceptance notice for notifying that the transfer instruction has been accepted is transmitted to the Internet 5 (step 21).
0).

The service processing section 21 of the service server 2 receives the transfer acceptance notice via the communication I / F section 24 and confirms the contents of the notice (step 211). A virtual coin subtraction instruction for instructing to subtract virtual coins (for the payment amount) is transmitted to the mobile network 3 (step 212).
The virtual coin management unit 17 of the mobile phone X receives the virtual coin subtraction instruction, and subtracts the virtual coin balance in the information memory 18 by the subtracted amount (step 21).
3).

As described above, the service server 2 from the bank A
The payment notification is sent to the mobile phone X in response to the receipt of the transfer acceptance notification notified to the payment account 9. The payment processing of the virtual coin can be immediately terminated using the transfer acceptance notification returned in response to the request.

In addition, the service server 2 instructs the mobile phone X to perform virtual coin subtraction as shown in FIG. Is also good. FIG. 14 is a timing chart showing another payment operation. The operation up to step 203 is the same as that in FIG. In response to the transfer instruction from the service server 2 to the bank A (step 203), a transfer acceptance notification for notifying that the transfer instruction has been received from the bank A to the service server 2 that is the transfer instruction source is sent to the Internet 5. It is transmitted (step 220).

At the bank A, the received service server 2
In accordance with the transfer instruction from, the designated amount is transferred from the business account 7 to the payment account 9 via the interbank settlement network 6 (step 221). The service processing unit 21 of the service server 2 sends the bank A via the Internet 5
, A balance inquiry for confirming the transfer is transmitted to the Internet 5 via the communication I / F unit 24 (step 222), and a balance notification from the bank A is received (step 222). 223).

Then, the transfer amount from the business account 7 to the payment account 9 is confirmed based on the contents of the notification (step 22).
4) A virtual coin subtraction instruction for instructing the mobile phone X to subtract virtual coins by the transfer amount (payment amount) is transmitted to the mobile network 3 (step 225). Virtual coin management unit 17 of mobile phone X
Then, the virtual coin subtraction instruction is received, and the virtual coin balance in the information memory 18 is subtracted by the subtracted amount (step 226).

As described above, by performing the balance inquiry on the service server 2, the transfer from the business account 7 to the payment account 9 is confirmed, and the mobile phone X is instructed to subtract the virtual coin by the transfer amount. As a result, the transfer to the payment account 9 of the payee can be confirmed, and the instruction for virtual coin subtraction according to the transfer can be securely executed.

Next, with reference to FIG. 15, as a settlement system operation according to the sixth embodiment of the present invention, an operation in the case of using virtual coins in settlement between the mobile phone X and the content provider will be described. FIG. 15 is a timing chart showing a settlement operation between the mobile phone and the content provider. In the present embodiment, settlement is performed between the user's mobile phone X and the content provider 12 via the mobile phone operator's server 2. In addition, the user has previously subscribed to the settlement service, and the mobile phone X exchanges the user information necessary for providing the settlement service, the bank account transfer, and the virtual coin obtained between the mobile phones. It is assumed that it is stored in advance.

Mobile phone X and content provider 1
When the reservation / order processing between 2 is completed (Step 2
27), the content provider is the service server 2
Is transmitted via the Internet or the like (step 228). The service processing unit 21 of the service server 2 transmits a payment request to the mobile phone X via the mobile network 3 in response to the payment processing request (Step 229).

The telephone control section 11 of the mobile telephone X receives this payment request via the wireless I / F section 12 and passes it to the virtual coin management section 17. The virtual coin management unit confirms the content of the charge, and displays the content such as the amount of the charge and the source of the charge on the display unit 13 via the telephone control unit 11 (step 2).
30). As a result, the user confirms the contents of the settlement and inputs payment acceptance by a predetermined operation (step 231). The virtual coin management unit 17 confirms the payment acceptance input from the operation unit 14 via the telephone control unit 11, and transmits a payment acceptance notification to the mobile network 3 via the telephone control unit 11 and the wireless I / F unit 12. (Step 232).

This payment acceptance notification is transferred to the service server 2 via the mobile network 3. The service processing section 21 of the service server 2 receives the payment acceptance notification and confirms the content (step 233). Then, a virtual coin subtraction instruction for subtracting the virtual coins by the payment amount is transmitted to the mobile phone X via the mobile network 3 (step 234). The telephone controller 11 of the mobile phone X sends the virtual coin subtraction instruction to the wireless I
It is received via the / F unit 12 and passed to the virtual coin management unit 17. The virtual coin management unit 17 checks the content of the notification,
The virtual coin balance in the information memory 18 is subtracted by the payment amount (step 235), and the completion of the virtual coin subtraction is transmitted to the mobile network 3 via the telephone control unit 11 and the wireless I / F unit 12 (step 236). .

The completion of the virtual coin subtraction is transferred to the service server 2 via the mobile network 3. The service processing unit 21 of the service server 2 receives the completion of the virtual coin subtraction, and in response to this, the bank A, who has opened a business account via the Internet or the like,
A transfer instruction to the bank D having an account of the content provider is transmitted (step 237). Thereby, the transfer is made from the business account 7 of the bank A to the content provider account of the bank D (step 238). In this way, the mobile phone X can easily and immediately execute a payment with a content provider at any place with only a mobile phone without requiring a conventional special payment processing device.

[0090]

As described above, according to the present invention, a mobile phone using a mobile network is provided with virtual coin management means for managing virtual coins, and a service providing device connected to the mobile network is settled. A service processing means for providing a service is provided, and by transferring a virtual coin transfer request and an addition / subtraction instruction between a plurality of mobile phones via the service processing means, settlement between the mobile phones is performed. It was made. The service processing means instructs the mobile phone to subtract virtual coins in response to a charging request from the mobile network. Therefore, there is no need for a specific payment processing device as in the past, and payment between mobile phones, payment of telephone / communication charges for mobile phones,
Furthermore, the settlement between the mobile phone and the content provider can be easily and immediately made at any place with only the mobile phone. In addition, as a facility for providing a payment service, it is only necessary to provide a service providing means, and the payment system is provided at a lower cost as compared with a conventional case where a specific payment processing device is arranged at each payment place. Can be introduced, and the maintenance cost can be reduced. As a result, the service subscription cost can be reduced, and a large number of service subscribers can be expected, thereby increasing the number of mobile phone service subscribers.

[Brief description of the drawings]

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

FIG. 2 is a configuration example of a mobile phone.

FIG. 3 is a configuration example of a service server.

FIG. 4 is a timing chart showing a settlement operation between mobile phones.

FIG. 5 is a timing chart showing a call / communication fee settlement operation.

FIG. 6 is a timing chart showing a virtual coin setting operation.

FIG. 7 is a timing chart showing another virtual coin setting operation.

FIG. 8 is a timing chart showing another virtual coin setting operation.

FIG. 9 is a timing chart showing a virtual coin exchange operation.

FIG. 10 is a timing chart showing another virtual coin exchange operation.

FIG. 11 is a timing chart showing another virtual coin exchange operation.

FIG. 12 is a timing chart showing a virtual coin payment operation.

FIG. 13 is a timing chart showing another virtual coin payment operation.

FIG. 14 is a timing chart showing another virtual coin payment operation.

FIG. 15 is a timing chart showing a settlement operation between a mobile phone and a content provider.

[Explanation of symbols]

1, 1X, 1Y: portable telephone, 11: telephone control unit, 1
2 ... Wireless I / F unit, 13 ... Display unit, 14 ... Operation unit, 15
... Talk unit, 16 IC card, 17 virtual coin management unit, 18 information memory, 2 service server, 21 service processing unit, 22 authentication unit, 23 authentication DB, 24
Communication I / F section, 3: Mobile network, 4: Mobile phone carrier equipment, 5: Internet, 6: Interbank settlement network, 6A: Bank A, 6B: Bank B, 6C: Bank C, 6D: Bank D , 7… Business account, 8… User account,
9 ... Payment account, 10 ... Content provider account.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04Q 7/38 H04B 7/26 M

Claims (28)

[Claims] 1. Mobile telephone means for making a call and communication by connecting to a mobile network, display means for displaying various information,
A plurality of mobile phones having operation means for detecting an operation of a user and virtual coin management means for managing virtual coins having a monetary value; and the virtual coin connected to the mobile network and between the mobile phones. And a service providing device having a service processing means for providing a settlement service using the payment method. A virtual coin transfer request for requesting transfer from the paying mobile phone to the billing mobile phone is transmitted to the mobile network, and the service processing means of the service providing apparatus receives the virtual coin transfer request via the mobile network. The virtual network transfer request from the billing side mobile phone to The virtual coin management means of the paying mobile phone displays the request content of the virtual coin transfer request received from the mobile network, and the transfer request is issued in response to the user's payment acceptance operation. A virtual coin transfer notification for transferring the virtual coins for the amount to the billing side mobile phone is transmitted to the mobile network, and the service processing means of the service providing apparatus includes a payment mobile phone received via the mobile network. In response to the virtual coin transfer notification from the telephone, a virtual coin addition instruction for instructing to add the virtual coin balance by the amount specified in the notification is transmitted to the billing mobile telephone via the mobile network. At the same time, a virtual coin subtraction instruction for instructing to subtract the virtual coin balance by the money amount is issued to the mobile network. The virtual coin management means of the billing side mobile phone transmits to the paying side mobile phone via the network, the virtual coin management means of the billing side mobile phone holds the amount indicated by the virtual coin addition instruction received from the mobile network. The coin balance is added, and the virtual coin management means of the paying mobile phone subtracts the virtual coin balance held by the paying mobile phone by the amount indicated by the virtual coin subtraction instruction received from the mobile network. A settlement method characterized by that: 2. A mobile phone means for making a call / communication by connecting to a mobile network, a display means for displaying various information,
A mobile phone having an operation unit for detecting an operation of a user, and a virtual coin management unit for managing virtual coins having a monetary value; and a settlement using the virtual coin with the mobile phone connected to the mobile network. Using a service providing device having service processing means for providing a service, wherein the service processing means of the service providing device responds to a charge request for a call / communication charge of the mobile phone from the mobile network. A virtual coin subtraction instruction for instructing to subtract the balance of the virtual coin by the minute is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone is configured to transmit the virtual coin subtraction instruction via the mobile network. According to the received virtual coin subtraction instruction, subtract the virtual coin balance by the specified amount Settlement wherein the Rukoto. 3. A mobile phone means for making a call / communication by connecting to a mobile network, a display means for displaying various information,
A mobile phone having an operation unit for detecting an operation of a user, and a virtual coin management unit for managing virtual coins having a monetary value; and a settlement using the virtual coin with the mobile phone connected to the mobile network. Using a service providing device having service processing means for providing a service, and a first bank connected to the service providing device via the Internet and opening a settlement operator account, using the service processing device of the service providing device Transmits a payment request to the mobile phone via the mobile network in response to a payment processing request from a content provider, and the virtual coin management means of the mobile phone transmits a payment request received from the mobile network. Display the contents and virtual coins for the amount charged in response to the payment acceptance operation by the user A virtual coin transfer notification for transfer is transmitted to the mobile network, and the service processing means of the service providing device, in response to the virtual coin transfer notification from the mobile phone received via the mobile network, A virtual coin subtraction instruction for instructing to subtract the virtual coin balance by the amount specified in the notification is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone performs the movement. The virtual coin is subtracted by the designated amount in accordance with the virtual coin subtraction instruction received via the body network, and virtual coin subtraction completion is transmitted to the mobile network.The service processing means of the service providing device, In response to the completion of the virtual coin subtraction from the mobile phone received via the mobile network, Settlement method, characterized in that the transmitted to the first bank serial a transfer instruction of only the specified amount of money from the settlement company account for instructing to transfer money to the account of the content provider via the Internet. 4. The settlement method according to claim 1, 2 or 3, wherein the settlement method is connected to the service providing device via a communication network to open an account of a settlement service company.
And a second bank connected to the service providing device via a communication network to open a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone includes: A transfer instruction for instructing a transfer amount designated in accordance with an operation by a user to be transferred from a user account to a business account is transmitted to the mobile network, and the service processing unit of the service providing apparatus includes: Transfer the transfer instruction received from the mobile phone via the body network to the second bank via the Internet, and transfer the user's account to the business account by the second bank in response to the transfer instruction; Later, the transfer notice transmitted from the first bank is received via the Internet, and virtual coins corresponding to the transfer amount are received in accordance with the transfer notice. A virtual coin addition instruction for instructing addition is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone responds to the virtual coin addition instruction received via the mobile network. A settlement method for adding the balance of the virtual coin according to the designated amount. 5. A settlement method according to claim 1, wherein the settlement method is connected to the service providing apparatus via a communication network to open an account of a settlement service provider.
And a second bank connected to the service providing device via a communication network to open a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone includes: A transfer instruction for instructing a transfer amount designated in accordance with an operation by a user to be transferred from a user account to a business account is transmitted to the mobile network, and the service processing unit of the service providing apparatus includes: Transferring the transfer instruction from the mobile phone received via the body network to the second bank via the Internet, and transmitting a transfer reception notification transmitted from the second bank in response to the reception of the transfer instruction; Receiving via the Internet, transmitting the transfer acceptance notification to the mobile phone via the mobile network, The in-management unit transmits a transfer acceptance notification received via the mobile network to the mobile network as a transfer acceptance notification to the service providing device, and the service processing unit of the service providing device transmits the mobile network to the mobile network. In response to the transfer acceptance notification from the mobile phone received via the mobile phone, a virtual coin addition instruction for instructing to add virtual coins for the transfer amount is transmitted to the mobile phone via the mobile network, The settlement method, wherein the virtual coin management means of the mobile phone adds a virtual coin balance by a designated amount according to a virtual coin addition instruction received via the mobile network. 6. The settlement method according to claim 1, wherein the settlement method is connected to the service providing apparatus via a communication network to open a business account of a payment service provider.
And a second bank connected to the service providing device via a communication network to open a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone includes: A transfer instruction for instructing a transfer amount designated in accordance with an operation by a user to be transferred from a user account to a business account is transmitted to the mobile network, and the service processing unit of the service providing apparatus includes: Transferring the transfer instruction from the mobile phone received via the body network to the second bank via the Internet, and transmitting a transfer reception notification transmitted from the second bank in response to the reception of the transfer instruction; Receiving via the Internet, transmitting the transfer acceptance notification to the mobile phone via the mobile network, The in-management unit transmits a transfer acceptance notification received via the mobile network to the mobile network as a transfer acceptance notification to the service providing device, and the service processing unit of the service providing device transmits the mobile network to the mobile network. In response to the transfer acceptance notification from the mobile phone received via the Internet, a balance inquiry for confirming the transfer is instructed to the first bank via the Internet, and transmitted from the first bank accordingly. Receiving the notified balance notification via the Internet, and when the transfer is confirmed by the balance notification, issues a virtual coin addition instruction for instructing to add virtual coins for the transfer amount to the mobile network. And the virtual coin management means of the mobile phone receives the data via the mobile network. A settlement method characterized by adding a virtual coin balance by a designated amount according to a received virtual coin addition instruction. 7. A settlement method according to claim 1, wherein the settlement method is connected to the service providing apparatus via a communication network to open a business account of a settlement service provider.
And a second bank connected to the service providing device via a communication network to open a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone includes: A cash request for instructing to convert the virtual coin of the designated cash amount into a business account in accordance with an operation by the user is transmitted to the mobile network, and the service processing means of the service providing apparatus includes: In response to a cashing request from the mobile phone received via the body network, instructing the first bank to transfer money from a business account to a user account via the Internet, Receiving a transfer notice transmitted from the second bank after the transfer from the business account to the user account by the first bank via the Internet; A virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount in response to the notification is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone performs A settlement method characterized in that a virtual coin balance is subtracted by a designated amount according to a virtual coin subtraction instruction received via a body network. 8. The settlement method according to claim 1, wherein the settlement method is connected to the service providing apparatus via a communication network to open a business account of the settlement service business.
And a second bank connected to the service providing device via a communication network to open a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone includes: A cash request for instructing to convert the virtual coin of the designated cash amount into a business account in accordance with an operation by the user is transmitted to the mobile network, and the service processing means of the service providing apparatus includes: In response to a cashing request from the mobile phone received via the body network, instructs the first bank to transfer money from a business account to a user account via the Internet, and responds to the receipt of the transfer instruction. Receiving the transfer acceptance notice transmitted from the first bank via the Internet, and in response to the transfer acceptance notice, transferring virtual coins corresponding to the transfer amount. A virtual coin subtraction instruction for instructing the mobile phone to calculate the virtual coin subtraction instruction received via the mobile network. A settlement method characterized in that the balance of the virtual coin is subtracted by the designated amount in response. 9. The settlement method according to claim 1, wherein the settlement method is connected to the service providing apparatus via a communication network to open a business account of a settlement service provider.
And a second bank connected to the service providing device via a communication network to open a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone includes: A cash request for instructing to convert the virtual coin of the designated cash amount into a business account in accordance with an operation by the user is transmitted to the mobile network, and the service processing means of the service providing apparatus includes: In response to a cashing request from the mobile phone received via the body network, instructs the first bank to transfer money from a business account to a user account via the Internet, and responds to the receipt of the transfer instruction. Receiving the transfer acceptance notice transmitted from the first bank via the Internet, and in response to the transfer acceptance notice, transferring virtual coins corresponding to the transfer amount. A virtual coin subtraction instruction for instructing the mobile phone to calculate the virtual coin subtraction instruction received via the mobile network. Accordingly, while subtracting the balance of the virtual coin by the indicated amount, and transmitting a balance inquiry for confirming the transfer to the user account to the mobile network, the service processing means of the service providing device, Transferring the balance inquiry from the mobile phone received via the mobile network to the second bank via the Internet, and in response, receiving the balance inquiry from the second bank via the Internet Forwarding the notification to the mobile phone via the mobile network, wherein the virtual coin management means of the mobile phone A settlement method comprising: confirming the cashing request in response to a balance notification received via a mobile network. 10. The settlement method according to claim 1, 2 or 3, wherein the settlement method is connected to the service providing device via a communication network to open a business account of a settlement service company.
And a third bank connected to the service providing apparatus via a communication network to open a payment account to be paid by transfer, and the virtual coin management means of the mobile phone, Transmits a payment request to the mobile network to instruct the payment account to pay the virtual coin of the specified payment amount to the payment account in accordance with the operation by the service processing device of the service providing device, via the mobile network In response to the payment request from the mobile phone received by the mobile phone, instructs the first bank via the Internet to transfer from a business account to a payment account;
After the transfer from the business account to the payment account by the first bank in response to the transfer instruction, the transfer notification transmitted from the third bank is received via the Internet, and the transfer amount is determined in accordance with the transfer notification. A virtual coin subtraction instruction for instructing to subtract virtual coins for the minute is transmitted to the mobile phone through the mobile network, and the virtual coin management means of the mobile phone receives the virtual coin subtraction instruction through the mobile network. A settlement method characterized in that a virtual coin balance is subtracted by a designated amount according to a virtual coin subtraction instruction. 11. The settlement method according to claim 1, 2 or 3, wherein the settlement method is connected to the service providing device via a communication network to open a business account of a payment service business.
And a third bank connected to the service providing apparatus via a communication network to open a payment account to be paid by transfer, and the virtual coin management means of the mobile phone, Transmits a payment request to the mobile network to instruct the payment account to pay the virtual coin of the specified payment amount to the payment account in accordance with the operation by the service processing device of the service providing device, via the mobile network In response to the payment request from the mobile phone received by the mobile phone, instructs the first bank via the Internet to transfer from a business account to a payment account;
Receiving the transfer acceptance notice transmitted from the first bank via the Internet in response to the receipt of the transfer instruction, and instructing to subtract virtual coins corresponding to the transfer amount in accordance with the transfer acceptance notice; A virtual coin subtraction instruction is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone sets the designated amount according to the virtual coin subtraction instruction received via the mobile network. A settlement method characterized by subtracting the virtual coin balance by the minute. 12. The settlement method according to claim 1, wherein the settlement method is connected to the service providing apparatus via a communication network to open a business account of a settlement service provider.
And a third bank connected to the service providing apparatus via a communication network to open a payment account to be paid by transfer, and the virtual coin management means of the mobile phone, Transmits a payment request to the mobile network to instruct the payment account to pay the virtual coin of the specified payment amount to the payment account in accordance with the operation by the service processing device of the service providing device, via the mobile network In response to the payment request from the mobile phone received by the mobile phone, instructs the first bank via the Internet to transfer from a business account to a payment account;
In response to the receipt of the transfer instruction, a transfer acceptance notice transmitted from the first bank is received via the Internet, and a balance inquiry for confirming the transfer is received via the Internet in response to the transfer acceptance notice. Instructs the first bank, receives the balance notification transmitted from the first bank via the Internet in response to the instruction, and confirms the transfer by the balance notification, the amount of the transfer amount is confirmed. A virtual coin subtraction instruction for instructing to subtract a virtual coin is transmitted to the mobile phone via the mobile network, and the virtual coin management means of the mobile phone includes a virtual coin received via the mobile network. A settlement method characterized by subtracting the virtual coin balance by the designated amount according to a subtraction instruction. 13. A telephone call connected to a mobile network.
A plurality of mobile phones including mobile phone means for performing communication, display means for displaying various information, operation means for detecting a user operation, and virtual coin management means for managing virtual coins having a monetary value; A service providing device connected to a network and having a service processing means for providing a settlement service using the virtual coin between the mobile phones, the virtual coin management means of the billing side mobile phone being a billing side in settlement Transmits a virtual coin transfer request to the mobile network for requesting transfer of virtual coins corresponding to the billing amount from a paying mobile phone, which is a payer in settlement, to a billing mobile phone; Adds the balance of virtual coins held by the billing mobile phone by the amount indicated by the virtual coin addition instruction received from The virtual coin management means of the paying mobile phone displays the request content of the virtual coin transfer request received from the mobile network, and the virtual coin of the amount requested to be transferred in response to the payment acceptance operation by the user on the billing side. A virtual coin transfer notification for transferring to the mobile phone is transmitted to the mobile network, and the virtual coin balance held by the paying mobile phone by the amount indicated by the virtual coin subtraction instruction received from the mobile network is calculated. The service processing means of the service providing device transmits the virtual coin transfer request from the billing side mobile phone received via the mobile network to the paying side mobile phone as the request destination via the mobile network. To the virtual coin transfer notification from the paying mobile phone received via the mobile network. A virtual coin addition instruction for instructing to add the virtual coin balance by the amount specified in the notification is transmitted to the billing mobile phone via the mobile network, and the virtual coin is added by the amount. A payment system for transmitting a virtual coin subtraction instruction for instructing to subtract a balance to a paying mobile phone via the mobile network. 14. Connecting to a mobile network to make a call
A mobile phone having communication, a mobile phone having display means for displaying various information, operating means for detecting a user operation, and virtual coin management means for managing virtual coins having a monetary value; and And a service providing device having service processing means for providing a settlement service using the virtual coin on the mobile phone, wherein the service processing means of the service providing device comprises: a mobile phone from the mobile network. A virtual coin subtraction instruction for instructing to subtract the balance of virtual coins by the charge in response to the charging request for the call / communication charge of the mobile phone via the mobile network; The virtual coin management means of the present invention, the virtual coin subtraction instruction received via the mobile network, Flip, the settlement system which is characterized by subtracting the balance of only the virtual coin amount of money that has been instructed. 15. A telephone call connected to a mobile network.
Mobile phone means for communication, display means for displaying each information,
A mobile phone having means for detecting a user's operation, and virtual coin management means for managing virtual coins having a monetary value; and a settlement service using the virtual coin on the mobile phone, which is connected to the mobile network. And a first bank that is connected to the service providing apparatus via the Internet and opens a settlement operator account. The service processing means of the service providing apparatus includes: In response to a payment processing request from a content provider, transmitting a payment request to the mobile phone via the mobile network, and in response to a virtual coin transfer notification from the mobile phone received via the mobile network, Virtual for instructing to subtract the virtual coin balance by the amount specified in the notification An in-subtraction instruction is transmitted to the mobile phone via the mobile network, and in response to the completion of the virtual coin subtraction from the mobile phone received via the mobile network, the payment business is performed by the designated amount. A transfer instruction for instructing a transfer from the account of the provider to the account of the content provider to the first bank via the Internet, and the virtual coin management means of the mobile phone transmits the payment received from the mobile network. Displaying the contents of the claim, transmitting a virtual coin transfer notification for transferring virtual coins for the billed amount in accordance with the payment acceptance operation by the user to the mobile network, and receiving the virtual coin transfer notification via the mobile network The virtual coin is subtracted by the amount indicated in accordance with the virtual coin subtraction instruction, and the virtual coin subtraction is completed. Payment system and transmits to the mobile network. 16. The settlement system according to claim 13, connected to the service providing apparatus via a communication network, for opening a business account of a settlement service provider.
And a second bank connected to the service providing device via a communication network and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone uses A transfer instruction for instructing a transfer amount designated from a user account to a business account to be transferred to the mobile network in accordance with an operation by a user, and a virtual coin addition instruction received via the mobile network According to the above, the balance of the virtual coin is added by the designated amount, and the service processing means of the service providing device transmits a transfer instruction from the mobile phone received via the mobile network via the Internet. The transfer to the second bank, and after the transfer from the user account to the business account by the second bank in response to the transfer instruction, the first bank A transfer notification transmitted from the bank is received via the Internet, and a virtual coin addition instruction for instructing to add virtual coins for the transfer amount in accordance with the transfer notification is provided via the mobile network. A payment system for transmitting to a mobile phone. 17. The settlement system according to claim 13, connected to the service providing device via a communication network, for opening a business account of a settlement service business operator.
And a second bank connected to the service providing device via a communication network and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone uses A transfer instruction for instructing the transfer amount specified in accordance with the operation by the user to be transferred from the user account to the business account is transmitted to the mobile network, and the transfer reception notification received via the mobile network is transmitted. The service is transmitted to the mobile network as a transfer acceptance notification to the service providing apparatus, and according to the virtual coin addition instruction received via the mobile network, the virtual coin balance is added by the designated amount, and the service is added. The service processing means of the providing device transmits the transfer instruction from the mobile phone received via the mobile network to the input device. Transfer to the second bank via the Internet, receive a transfer acceptance notice transmitted from the second bank in response to the acceptance of the transfer instruction via the Internet, and transmit the transfer acceptance notice to the mobile network. A virtual coin addition instruction for instructing to add virtual coins for the transfer amount in accordance with a transfer acceptance notification from the mobile phone transmitted to the mobile phone via the mobile network and received via the mobile network Is transmitted to the mobile phone via the mobile network. 18. The settlement system according to claim 13, connected to the service providing device via a communication network, for opening a business account of a settlement service company.
And a second bank connected to the service providing device via a communication network and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone uses A transfer instruction for instructing the transfer amount specified in accordance with the operation by the user to be transferred from the user account to the business account is transmitted to the mobile network, and the transfer reception notification received via the mobile network is transmitted. The service is transmitted to the mobile network as a transfer acceptance notification to the service providing apparatus, and according to the virtual coin addition instruction received via the mobile network, the virtual coin balance is added by the designated amount, and the service is added. The service processing means of the providing device transmits the transfer instruction from the mobile phone received via the mobile network to the input device. Transfer to the second bank via the Internet, receive a transfer acceptance notice transmitted from the second bank in response to the acceptance of the transfer instruction via the Internet, and transmit the transfer acceptance notice to the mobile network. The balance inquiry for confirming the transfer is transmitted to the first mobile phone via the Internet in response to the transfer acceptance notification from the mobile phone received via the mobile network. Instructs the bank, receives the balance notification transmitted from the first bank via the Internet in response to the instruction, and if the transfer is confirmed by the balance notification, adds virtual coins corresponding to the transfer amount A virtual coin addition instruction for instructing the mobile phone to send the virtual coin addition instruction to the mobile phone via the mobile network. 19. The settlement system according to claim 13, 14 or 15, wherein the settlement system is connected to the service providing device via a communication network and opens a business account of a settlement service business.
And a second bank connected to the service providing device via a communication network and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone uses Sends a cashing request to the mobile network for instructing to convert the specified amount of virtual coins into a business account in response to an operation by a user, and a virtual coin subtraction instruction received via the mobile network. And subtracts the balance of the virtual coin by the designated amount, and the service processing means of the service providing device, in response to a cashing request from the mobile phone received via the mobile network, Instructs the first bank to transfer money from an account to a user account via the Internet, and operates the first bank in accordance with the transfer instruction Receiving the transfer notice transmitted from the second bank via the Internet after the transfer from the account to the user account, and instructing to subtract virtual coins corresponding to the transfer amount according to the transfer notice. A payment system, wherein a virtual coin subtraction instruction is transmitted to the mobile phone via the mobile network. 20. The settlement system according to claim 13, wherein the settlement system is connected to the service providing device via a communication network to open an account of a settlement service company.
And a second bank connected to the service providing device via a communication network and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone uses Sends a cashing request to the mobile network for instructing to convert the specified amount of virtual coins into a business account in response to an operation by a user, and a virtual coin subtraction instruction received via the mobile network. And subtracts the balance of the virtual coin by the instructed amount, and the service processing means of the service providing device, in response to a cashing request from the mobile phone received via the mobile network, Instructs the first bank to transfer money from the account to the user's account via the Internet, and in response to receiving the transfer instruction, from the first bank Receives the received transfer acceptance notice via the Internet, and issues a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount according to the transfer acceptance notice via the mobile network. A payment system for transmitting to a mobile phone. 21. The settlement system according to claim 13, 14 or 15, wherein the settlement system is connected to the service providing device via a communication network to open an account of a settlement service company.
And a second bank connected to the service providing device via a communication network and opening a user account of a user of the mobile phone, wherein the virtual coin management means of the mobile phone uses Sends a cashing request to the mobile network for instructing to convert the specified amount of virtual coins into a business account in response to an operation by a user, and a virtual coin subtraction instruction received via the mobile network. In accordance with, the balance of the virtual coin is subtracted by the designated amount, and a balance inquiry for confirming the transfer to the user account is transmitted to the mobile network, and received via the mobile network. The cashing request is confirmed according to the balance notification, and the service processing unit of the service providing apparatus receives the cashing request via the mobile network. In response to a cashing request from a mobile phone, instructing the first bank to transfer money from a business account to a user account via the Internet, and transmitting from the first bank in response to receiving the transfer instruction. The received transfer acceptance notification is received via the Internet, and a virtual coin subtraction instruction for instructing to subtract virtual coins for the transfer amount in accordance with the transfer acceptance notification is transmitted to the mobile phone via the mobile network. A balance inquiry from the mobile phone, transmitted to the telephone and received via the mobile network, is transferred to the second bank via the Internet, and the second inquiry received via the Internet accordingly. A balance notification from your bank,
A payment system for transferring data to the mobile phone via the mobile network. 22. The settlement system according to claim 13, 14 or 15, wherein the settlement system is connected to the service providing device via a communication network to open a business account of a settlement service company.
And a third bank connected to the service providing apparatus via a communication network and opening a payment account to be paid by transfer, and the virtual coin management means of the mobile phone is provided by a user. Sending a payment request to the mobile network to instruct the payment account to pay the virtual coin of the payment amount specified in response to the operation to the mobile network, and in response to the virtual coin subtraction instruction received via the mobile network, Subtracting the balance of the virtual coin by the instructed amount, the service processing means of the service providing device, in response to a payment request from the mobile phone received via the mobile network, a payment account from a business account Instructing the first bank to transfer money to the first bank via the Internet;
After the transfer from the business account to the payment account by the first bank in response to the transfer instruction, the transfer notification transmitted from the third bank is received via the Internet, and the transfer amount is determined in accordance with the transfer notification. A payment system for transmitting a virtual coin subtraction instruction for instructing to subtract virtual coins to the mobile phone via the mobile network. 23. The settlement system according to claim 13, 14 or 15, wherein the settlement system is connected to the service providing device via a communication network to open an account of a settlement service company.
And a third bank connected to the service providing apparatus via a communication network and opening a payment account to be paid by transfer, and the virtual coin management means of the mobile phone is provided by a user. Sending a payment request to the mobile network to instruct the payment account to pay the virtual coin of the payment amount specified in response to the operation to the mobile network, and in response to the virtual coin subtraction instruction received via the mobile network, Subtracting the balance of the virtual coin by the instructed amount, the service processing means of the service providing device, in response to a payment request from the mobile phone received via the mobile network, a payment account from a business account Instructing the first bank to transfer money to the first bank via the Internet;
Receiving a transfer acceptance notice transmitted from the first bank via the Internet in response to the receipt of the transfer instruction, and instructing to subtract virtual coins corresponding to the transfer amount in accordance with the transfer acceptance notice; A settlement system for transmitting a virtual coin subtraction instruction to the mobile phone via the mobile network. 24. The settlement system according to claim 13, 14 or 15, wherein the settlement system is connected to the service providing device via a communication network to open an account of a settlement service company.
And a third bank connected to the service providing apparatus via a communication network and opening a payment account to be paid by transfer, and the virtual coin management means of the mobile phone is provided by a user. Sending a payment request to the mobile network to instruct the payment account to pay the virtual coin of the payment amount specified in response to the operation to the mobile network, and in response to the virtual coin subtraction instruction received via the mobile network, Subtracting the balance of the virtual coin by the instructed amount, the service processing means of the service providing device, in response to a payment request from the mobile phone received via the mobile network, a payment account from a business account Instructing the first bank to transfer money to the first bank via the Internet;
In response to the receipt of the transfer instruction, a transfer receipt notice transmitted from the first bank is received via the Internet, and a balance inquiry for confirming the transfer is received via the Internet in response to the transfer receipt notice. Instructs the first bank, receives a balance notification transmitted from the first bank via the Internet in response to the instruction, and confirms the transfer by the balance notification, the amount of the transfer amount is confirmed. A payment system for transmitting a virtual coin subtraction instruction for instructing to subtract virtual coins to the mobile phone via the mobile network. 25. Connect to a mobile network to make a call
Mobile phone means for performing communication, display means for displaying various information, and operation means for detecting a user's operation, the mobile phone for performing settlement via the mobile network, a virtual coin having a monetary value, Virtual coin management means for managing, and an information memory for storing the balance of the virtual coin, wherein the virtual coin management means is a billing side in settlement,
A virtual coin transfer request is transmitted to the mobile network for requesting transfer of the charged virtual coins from the paying mobile phone to the billing mobile phone as a payer in the settlement, and received from the mobile network. The virtual coin balance stored in the billing mobile phone is added by the amount specified in the virtual coin addition instruction, and when the payment is made in the settlement, the virtual coin transfer request received from the mobile network is requested. Display the contents,
Transmitting to the mobile network a virtual coin transfer notification for transferring virtual coins for the amount requested to be transferred in accordance with the payment acceptance operation by the user to the billing mobile phone;
A mobile phone, wherein the balance of virtual coins held by the mobile phone on the billing side is subtracted by an amount designated by a virtual coin subtraction instruction received from the mobile network. 26. Connect to a mobile network to make a call
Mobile phone means for performing communication, display means for displaying various information, and operation means for detecting a user's operation, the mobile phone for performing settlement via the mobile network, virtual coins of monetary value, Virtual coin management means for managing, and an information memory for storing the balance of the virtual coins, wherein the virtual coin management means of the mobile phone is adapted for a call / communication charge of the mobile phone received via the mobile network. A mobile phone, wherein a virtual coin balance is subtracted by a designated amount according to a virtual coin subtraction instruction for charging. 27. Talking by connecting to a mobile network
A mobile phone for performing communication, a display for displaying various information, and an operating means for detecting an operation of a user, for managing a virtual coin having a monetary value in a mobile phone for performing settlement via the mobile network; Virtual coin management means and an information memory for storing the balance of the virtual coin, wherein the virtual coin management means of the mobile phone subtracts a virtual coin for payment to a content provider received via the mobile network. A mobile phone, wherein the balance of virtual coins is subtracted by an amount designated according to an instruction. 28. The mobile phone according to claim 25, wherein said virtual coin management means and said information memory are mounted in an IC card detachably connected to said mobile phone. A mobile phone characterized by the following.