JP2003123013A - Network settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To reduce a cash management cost for a seller by eliminating shoplifting prevention action and cash handling, to eliminate robbery, losing and unauthorized use of a credit card and to enable a purchaser to perform purchase activity at ease. SOLUTION: Without performing adjustment after merchandise selection, the purchaser enters a settlement specified section of a store after selecting purchase merchandise. In the settlement specified section, collation of social individual authentication of the purchaser and confirmation of identify and a financial institution and an account of a settlement destination are executed in a sales system on a seller side, and at the same time information of the purchase merchandise is received from a merchandise tag and adjustment is performed. After both are confirmed, portable terminal information of the purchaser is acquired, adjustment data are transmitted to the portable terminal of the purchaser and the purchaser is entrusted with a settlement processing. After the seller confirms the settlement processing of the purchaser, exit from the settlement specified section is allowed.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method at a store.

[0002]

2. Description of the Related Art Conventionally, in-store payment systems, the purchaser selects the item to be purchased and brings it to the counter, the seller pays the bar code etc. on the product at the register, and the purchaser uses cash or a credit card. It was settled in. In the case of intangible products, the price of intangible products and services offered by the seller was settled at a register, and similarly, the purchaser made payment by cash or credit card.

[0003]

Therefore, the seller has to reduce the sales due to shoplifting and to manage the cash, thereby incurring the cost of entrusting the security management to the security company, which is costly and puts pressure on the business.

Further, since the purchaser also has cash at hand,
There was a risk of theft or loss.

[0005]

The present invention provides a social personal identification device having a communication function product tag in which product information is input to a product and a purchaser having a communication function as a payment method at a store. In the incidental environment, after the purchaser selects the purchased product, after confirming the purchaser's social personal authentication with the seller's sales system in the designated settlement area of the store, the purchaser possesses the purchased product information. The problem described above is solved by providing a system in which the purchaser confirms the contents, and then makes a payment at the terminal. Further, by adding an authentication function for identifying an individual to the mobile terminal, it is possible to eliminate fraud during payment and improve security.

[0006]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows a flow of a conventional settlement system. As shown in FIG. 1, when the purchaser selects a purchased product after entering the store, he / she brings it to the counter and pays for the payment.

FIG. 2 shows a flow of the settlement system of the present invention. In the present invention, payment is not performed after selecting a product, and the purchaser carries the product into the designated settlement area after selecting the purchased product. In the designated payment area, the seller's sales system collates the social personal authentication of the purchaser to confirm the identity, the financial institution to which the payment is made, and the account. To settle. After confirming both, the purchaser's mobile terminal information is acquired, the settlement data is transmitted to the purchaser's mobile terminal, and the purchaser is entrusted with the settlement processing. After the seller confirms the purchaser's payment processing, it is possible to move out of the designated payment area. Therefore, if the settlement process is not normally completed, the purchased product cannot be exited from the store.

FIG. 3 is a flow in which a personal authentication function is added to the mobile terminal. In the flow of FIG. 2, when the purchaser makes a payment with a mobile terminal, an authentication condition such as voiceprint, fingerprint, face recognition is added.

FIG. 4 shows a store embodiment according to the present invention.
The purchaser 5 enters the store through the store entrance 2, selects a purchased product, completes packaging at the counter 4, etc., then enters the designated area for settlement 3, makes a settlement, and can exit from the store.

FIG. 5 shows an embodiment of a store handling intangible products according to the present invention. After entering the store through the store entrance / exit 7, the purchaser 9
Counter 10 for receiving intangible products in the store
Payment can be made in the nearby designated payment area 8 and the customer can exit the store.

[0011]

According to the present invention, shoplifting prevention and cash handling are eliminated, so that the cash management cost of the seller can be reduced. Even for the purchaser, the purchase activity can be carried out with confidence without theft, loss or unauthorized use of the credit card.

[0012]

[Brief description of drawings]

[Figure 1] Conventional payment flow

FIG. 2 is a settlement flow according to claim 1 of the present invention.

FIG. 3 is a settlement flow according to claim 2 of the present invention.

[FIG. 4] Example of an implementation store of the present invention when a purchased product is tangible

[FIG. 5] Example of a store where the present invention is implemented when a purchased product is intangible

[Explanation of symbols]

1 store layout 2 store entrance 3 designated areas for settlement 4 counter 5 Purchaser action route example 6 store layout 7 store entrances 8 settlement designated area 9 Purchaser action route example 10 counters

─────────────────────────────────────────────────── ─── Continuation of front page (51) Int.Cl. ⁷ Identification code FI theme code (reference) // G06F 15/00 330 G06F 15/00 330F

Claims (4)

[Claims] 1. As a payment method at a store, a purchaser is provided in an environment equipped with a product tag with a communication function in which product information is input to the product, and a social personal authentication device having a communication function attached to the purchaser. After selecting the purchased product, the seller's sales system confirms the purchaser's social personal authentication in the settlement designated area of the store, and then the selected product information is displayed on the mobile terminal owned by the purchaser. After confirming the contents, a system to make payment at the terminal. Here, a tag with a communication function, to which product information has been input, means that information such as the product type, price, place of production, usage method, handling explanation, and precautions is stored in a small integrated circuit and can be retrieved by communication means. It is a tag that can be. Further, social personal authentication is an environment in which a public institution digitizes personal information such as family register data in the future, and an individual wears a small integrated circuit with a communication function to receive personal authentication. The mobile terminal is a mobile phone, a PDA, a game terminal or the like having a communication function and a display function. 2. A system for eliminating fraud at the time of payment by adding a personal authentication function to a purchaser's mobile terminal in the above system to ensure the identification of an individual. The personal authentication function includes fingerprint recognition, voiceprint recognition, face recognition and the like. 3. In Claim 1, when the sale item is intangible, the seller confirms the purchaser's social personal authentication in the designated settlement area of the store, and then communicates the consideration for the provided intangible item to the purchaser's mobile terminal. A system in which a purchaser confirms the contents and makes a payment using a mobile terminal. 4. The method according to claim 2, wherein when the sale item is intangible, the seller confirms the purchaser's social personal authentication in the designated settlement area, and then the price for the intangible item provided is communicated to the purchaser's mobile terminal by communication means. A system for sending and confirming the contents and making payments using a mobile terminal.