JP2003187163A - Payment processor, and payment processing method of the payment processor - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To specify a portable terminal used for payment from an unspecified number of portable terminals connected by radio communication. <P>SOLUTION: A CPU 11 switches a switching port 25 to give a voltage V1 for setting the communication distance by Bluetooth to about several tens cm to a power control terminal 23 through a voltage setting circuit 26, and acquires an equipment ID from a specified cellular phone connectable in this communication distance. The CPU then switches the switching port to give a voltage V2 for setting the communication distance by Bluetooth to nearly about 10 m to the power control terminal, through a voltage setting circuit 27, and specifies the portable terminal for performing the payment from two or more portable terminals connected by Bluetooth according to the acquired equipment ID. <P>COPYRIGHT: (C)2003,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment processing apparatus for wirelessly receiving information necessary for payment related to commercial transactions from a mobile terminal and performing payment processing, and a payment processing method of the payment processing apparatus.

[0002]

2. Description of the Related Art In recent years, mobile devices having a short-distance wireless communication function have been appearing on the market one after another. In short-distance wireless communication, antenna power is limited to a predetermined value or less, and radio waves can be used without a license. For example, Bluetooth is 10m
This is a near-field wireless communication interface standard and is used in mobile devices such as mobile phones.

It has been considered to store and hold, for example, electronic money data in a mobile phone having a short-distance wireless communication function and use it for payment at a store. In this case, the point-of-sale (POS) terminal installed in the store receives the electronic money data stored and held in the mobile phone by the short-distance wireless communication as a payment and performs the payment processing.

The POS terminal functions as a master unit in short-distance wireless communication, and detects whether or not a mobile phone capable of communicating with itself exists near itself. When a customer who carries a mobile phone capable of short-distance wireless communication with the POS terminal comes to the store, the mobile phone is connected to the POS terminal as a slave. In this way, every time a customer carrying a mobile phone equipped with a short-range wireless communication function visits the POS terminal,
The mobile phones are detected one after another.

As described above, since a plurality of mobile phones are detected by the POS terminal, the operator needs to specify the mobile phone of the customer who makes the payment from among the plurality of mobile phones detected by the POS terminal. is there. Therefore, the following method is considered as a first method for specifying the mobile phone of the customer who makes the payment. In this first method, the operator asks the customer who makes the payment for the telephone number of the mobile phone being carried. Then, based on the telephone number answered by the customer, the operator identifies the mobile phone to be settled.

The following method is also considered as a second method for specifying the customer's mobile phone for settlement. In the second method, the communicable area of short-distance wireless communication by the POS terminal is always narrowed down to a very narrow specific area so that the POS terminal does not detect a plurality of mobile phones at the same time. A customer making a payment holds his or her mobile phone in the specific area. Then, in this state, the customer operates the mobile phone to input data (for example, a personal identification number) necessary for payment processing. By doing this, POS
This is a method of causing a terminal to specify a mobile phone.

[0007]

However, in the first method, the telephone number of the customer is inadvertently notified to the unspecified number of people around. Therefore, many customers may be hesitant to identify by such methods. Further, the operator has to verbally confirm the customer's telephone number prior to the operation required for the settlement process, which makes settlement very complicated.

[0008] In the second method, a plurality of customers make P
Since the lines may be densely arranged in front of the OS terminal, it is necessary to determine the specific area in consideration of this distance. However, the wireless communication area will change drastically due to slight changes in the environment (such as the number of customers waiting for payment). Therefore, the setting is difficult. In addition, it is not practical to operate the mobile phone while holding it over an extremely narrow specific area near the POS terminal because it imposes an unreasonable attitude on the customer.

The present invention has been made in view of the above circumstances, and an object of the present invention is to carry a payment from a plurality of portable devices carried by a large number of unspecified persons. It is an object of the present invention to provide a payment processing device and a payment processing method of the payment processing device, which can specify a mobile device by wireless communication and perform a payment process based on data acquired from the specified mobile device.

[0010]

The invention according to claim 1 is
In a payment processing device that has a wireless unit that performs wireless communication with a mobile terminal having a wireless communication address, and the wireless unit receives information necessary for payment of a commercial transaction from the mobile terminal and performs payment processing, wireless communication of the wireless unit Communication range switching means for switching between a first communication range having a range near the antenna of the wireless unit and a second communication range wider than the first communication range is provided, and the wireless communication range of the wireless unit is the first. When the wireless communication address is acquired from the mobile terminal that is close to the antenna in the communication range, the communication range switching unit expands the wireless communication range of the wireless unit to the second communication range, and the mobile terminal that acquires the wireless communication address performs the commercial transaction. It receives information necessary for payment and performs payment processing.

According to the second aspect of the present invention, there is provided a radio unit for performing radio communication with a mobile terminal having a radio communication address, and the radio unit receives information necessary for settlement of a commercial transaction from the mobile terminal and performs settlement processing. In the settlement processing device to perform, communication range switching means for switching a wireless communication range of the wireless unit between a first communication range in the vicinity of the antenna of the wireless unit and a second communication range wider than the first communication range, Setting means for setting the wireless communication range of the wireless section to the first communication range, and a wireless communication address from a mobile terminal approaching the antenna with the wireless communication range of the wireless section set to the first communication range by the setting means. Is acquired, the communication range switching unit expands the wireless communication range of the wireless unit to the second communication range, and the communication range expanding unit expands the wireless communication range of the wireless unit to the second communication range. In unfolded in range portable terminal which has acquired the wireless communication address upon receiving the information necessary for settlement of the transaction is obtained by and a settlement processing means for performing settlement processing based on the received information.

According to the third aspect of the present invention, there is provided a wireless unit for performing wireless communication with a mobile terminal having a wireless communication address, and the wireless unit receives information necessary for payment of a commercial transaction from the mobile terminal and performs a payment process. A payment processing method for a payment processing device, comprising: controlling a wireless communication range of a wireless unit in the vicinity of an antenna of the wireless unit and acquiring a wireless communication address from a mobile terminal approaching the antenna, thereby expanding the wireless communication range of the wireless unit. , A settlement processing method of receiving information necessary for settlement of a commercial transaction from a mobile terminal which has acquired a wireless communication address and performing settlement processing.

[0013]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described below with reference to the drawings. First, the first embodiment will be described. The first embodiment applies the present invention when a POS terminal is used as a payment processing device and a mobile phone is used as a mobile terminal.

FIG. 1 is a view showing the external appearance of the POS terminal as seen from the customer side. Reference numeral 1 denotes a POS terminal. On the POS terminal 1, a guidance display section 2 surrounded by a blue frame for displaying guidance of a payment method by a mobile phone to a customer, and a customer side display section for displaying to the customer 3, an antenna 4 for communicating by Bluetooth, an operator side display unit 5 for displaying to an operator, a keyboard 6 having various keys for inputting, for reading a bar code attached to a product A scanner 7 is provided.

FIG. 2 is a diagram showing a control block showing a main configuration of the POS terminal. 11 is C as a control unit main body
PU (Central Processing Unit), 12 is a ROM (Read Only Memory) storing various programs to be executed by the CPU 11, a device ID for performing communication by Bluetooth, a message to be displayed on the guidance display unit 2, etc. Reference numeral 13 denotes a RAM (random access memory) in which an area such as a work area is formed, 14 denotes a keyboard control unit for controlling input from the keyboard 6,
Reference numeral 15 is a scanner control unit for controlling information from the scanner 7, 16 is a drawer opening mechanism for opening the drawer 17 for storing cash, 18 is a guidance display control unit for controlling display on the guidance display unit 2, 19 Is a customer side display control unit that controls the display on the customer side display unit 3, and 20 is an operator side display control unit that controls the display on the operator side display unit 5.

Reference numeral 21 is a receiving unit for receiving information transmitted from other devices by Bluetooth via the antenna 4, and 22 is a power control terminal 23 for transmitting information to the outside by Bluetooth via the antenna 4. A transmission unit including a transmission amplifier 24 to which a voltage is applied, 25 includes a voltage setting circuit 26 for setting the voltage to the voltage V1 and a voltage setting circuit 2 for setting the voltage to V2 which is higher than V1
It is a switching port as a communication range switching means for switching 7.

The power control terminal 23 of the transmission amplifier 24
The voltage applied to V is applied to the voltage V1 via the voltage setting circuit 26 or the voltage V2 via the voltage setting circuit 27 by the switching of the switching port 25.

The CPU 11, the ROM 12, and the RAM 1
3, keyboard control unit 14, scanner control unit 15, drawer opening mechanism 16, guidance display control unit 18, customer side display control unit 19, operator side display control unit 20, receiving unit 2
1, the transmission unit 22, the switching port 25 and the bus line 28
Connected through.

The power control terminal 23 is switched to the voltage V via the voltage setting circuit 26 by switching the switching port 25.
When 1 is given, the communication range of Bluetooth output from the antenna 4 is about several tens of centimeters, and communication is possible only with the guidance display unit 2, that is, near the blue frame area (first communication range). In addition, the power control terminal 2
3, the voltage setting circuit 27 is provided by switching the switching port.
When the voltage V2 is applied via the communication range, the communication range of Bluetooth output from the antenna 4 is a communication distance of about 10 meters or so, and communication is possible in a wide range (second communication range).

The message stored in the ROM 12 is a message explaining to the customer how to make a payment with a mobile phone, "Hold your mobile phone in the area surrounded by the blue frame", "Subtotal amount transmission completed", " Please confirm the amount and approve the payment. "

The keyboard 6 has a "registration" key for declaring registration of a product, electronic monetary information, such as electronic money information (information necessary for settlement), connected to a mobile phone for settlement by Bluetooth. An "electronic payment" key for declaring an electronic payment for obtaining and making a payment, a "subtotal" key for obtaining a subtotal, a "deposit / cash total" key for performing payment, and the like are provided.

FIG. 3 is a block diagram showing the main configuration of the mobile phone. Reference numeral 31 is a CPU as a control unit main body, 32
Is a ROM that stores a device ID 33 as a wireless communication address of a device that communicates by various programs and Bluetooth, and 34 is an EEPROM (electric erasable lead) that stores electronic money information, for example, electronic money information 35.・ Only memory),
36 is a RAM which forms an area such as a work area, and 3
Reference numeral 7 denotes a display control unit for performing display on the display unit 38, and 3
Reference numeral 9 is an input control unit for controlling an input from the input unit 40 which is composed of a plurality of input keys, and 41 is a communication module for performing Bluetooth communication via the antenna 42.

Further, the CPU 31, the ROM 32, and E
The EPROM 34, the RAM 35, the display controller 37, the input controller 39, and the communication module 41 are connected via the bus line 43.

FIG. 4 is a diagram showing a flow of processing performed when the CPU 11 detects the input of the "registration" key provided on the keyboard 6 of the POS terminal 1. When the CPU 11 detects the input of the "registration" key, the CPU 11 starts this processing. First, in step ST1, it is determined whether the input of the "electronic payment" key is accepted. If it is determined that the input of the "electronic payment" key has not been accepted by this determination, step ST2
At step ST3, the scanner controller 15 controls the information read from the scanner 7 to accept the registration of the product, and at step ST3, when the "subtotal" key is accepted, the customer side display controller 19 is controlled to control the customer side. The subtotal is displayed on the display unit 3, and in step ST4, the input of the "deposit / cash total" key is accepted and the drawer opening mechanism 16 is controlled to open the drawer 17.

If it is determined in step ST1 that the "electronic payment" key has been input, the switching port 25 is switched to the switching voltage setting circuit 2 in step ST5.
A voltage V1 is applied to the power control terminal 23 via 6 (communication range setting means), and in step ST6, the information read by the scanner 7 is controlled by the scanner control unit 15 to accept product registration.

When the input of the "subtotal" key is accepted in step ST7, the customer side display control unit 19 is controlled to display the subtotal amount and guidance display control unit 18 in the customer side display unit 3 in step ST8. The guidance display section 2 is controlled to display the message "Hold your mobile phone in the area surrounded by the blue frame" stored in the ROM 12.

Next, in step ST9, communication with the mobile phone is performed to obtain the device ID 33 stored in the ROM 32 of the mobile phone. When this device ID 33 is acquired, in step ST10, the subtotal amount information is transmitted to the mobile phone specified by this device ID 33, and in step ST10.
At 11, the operator-side display control unit 20 is controlled to display the message "subtotal amount transmission completed" on the operator-side display unit 5.

Next, in step ST12, the voltage V2 is applied to the power control terminal 23 through the switching voltage setting circuit 27 to the power control terminal 23 (communication range expanding means), and in step ST13, the message stored in the ROM 12 is sent. "Please confirm the amount and approve the payment" is sent to the mobile phone as message information.

Then, in step ST14, the information transmitted from the mobile phone having the same device ID 33 and the acquired device ID is accepted, it is determined whether the information indicates the payment approval, and the received information is the payment. In step ST15, electronic payment is performed with electronic money for the subtotal amount, and the message “payment completed” stored in the ROM 12 is displayed on the customer side display control unit 19 and the operator side display control unit 20. It is controlled and displayed on the customer side display unit 3 and the operator side display unit 5, and the acquired device I
It is transmitted as message information to the mobile phone specified in D33 (payment processing means). If it is determined in step ST14 that the received information is not the information for approving the settlement, the processing in step ST4 described above, that is, the input of the "deposit / cash total" key is accepted to control the drawer opening mechanism 16. To open drawer 17.

When the cash settlement process is performed in step ST4, or when the electronic settlement is performed in step ST15, the CPU 11 ends this process.

In the following, when there are a plurality of customers who have mobile phones capable of communicating with Bluetooth in a store that sells products, the operator operates the POS terminal 1 to request payment by the mobile phones. It will be explained in the case of making payment.

When a customer comes in front of the POS terminal 1 to settle a product purchased, the customer side of the POS terminal 1 displays a guidance display section 2, for example, a mobile phone as shown in FIG. The customer visually recognizes the commercial display displayed on the customer side display unit 3 together with the display that allows the used settlement.

When the customer informs the operator that he / she wants to make a payment using the mobile phone, the operator inputs the "registration" key and then the "electronic payment" key, and then uses the scanner 7 to purchase the customer. Scan the barcode of the product you want to use.

When the product registration is completed, the operator inputs the "subtotal" key. By inputting the "subtotal" key, the message "Please hold your mobile phone over the blue frame area" is displayed on the guidance display unit 2 and the subtotal amount is displayed on the customer side display unit 3.

When the customer holds the mobile phone near the blue frame area as instructed by the message, the subtotal amount is displayed on the display unit 38 of the mobile phone. When the customer returns the mobile phone to his or her hand, the guidance display section 2 of the POS terminal 1
Visualize the display "Please confirm the amount and approve the payment."

Then, the customer operates the mobile phone returned to him / her at any position he / she prefers to make an input to approve the payment. Then, a message “payment completed” is displayed on the operator side display unit 5, the guidance display unit 3, and the display unit 38 of the mobile phone, and the payment process is completed.

According to the first embodiment, the communication range of Bluetooth of the POS terminal 1 is set to the guidance display section 2.
When communication is possible only near the blue frame area, the POS terminal 1 allows the customer who makes the settlement to hold the mobile phone over the blue frame area.
Get D33. After acquiring this device ID, POS
The terminal 1 expands the Bluetooth communication range so that the customer can operate the payment processing of the mobile phone at any position he or she prefers. As a result, a plurality of mobile phones are connected to the POS terminal 1, but the mobile phone for settlement can be specified by the acquired device ID 33. Therefore, even if an unspecified number of mobile phones are connected by Bluetooth, the mobile phones used for payment can be specified and electronic money information can be received to perform electronic payment.

Further, by widening the communication range by Bluetooth, the customer is not limited to operating the mobile phone in the vicinity of the blue frame area of the guidance display unit 2, but can operate the mobile phone at any position he or she prefers. You can

In the first embodiment described above, the present invention has been described in connection with the case where the POS terminal and the mobile phone storing monetary information such as electronic money communicate with each other by Bluetooth for the settlement processing. However, the present invention can be applied to any payment processing apparatus having a wireless communication address and information necessary for payment and a mobile terminal and a wireless communication section.

Although the operator inputs the "electronic payment" key to limit the Bluetooth communication range of the POS terminal 1 to the blue frame area, it is usually limited to the blue frame area. Mobile phone device ID 3
Of course, if 3 is acquired, the communication range may be expanded, and when the settlement is completed, the communication range may be limited to the blue frame area again.

Further, although the information necessary for payment obtained from the mobile phone is monetary information, for example, electronic money,
The information may be information for discounting the point card or the amount of money, or may be information including all of these.

Next, a second embodiment of the present invention will be described with reference to the drawings. The second embodiment also applies the present invention to the POS terminal 1 installed in a store to provide a settlement processing device, that is, the POS terminal 1 serves as a master unit in short-range wireless communication. It has the function of. Further, the POS terminal 1 acquires data necessary for payment from a mobile device (a mobile phone carried by a customer who visits a store) having a function as a slave in short-range wireless communication, and the acquired payment Settlement processing is performed based on the usage data.

The mobile phone according to this embodiment has a short-distance wireless communication function capable of transmitting and receiving data to and from the POS terminal 1 by short-distance wireless communication, in addition to the mobile communication function originally provided. Further, the mobile phone stores and holds the value of electronic money in which the monetary value is digitized (converted into electronic data) as payment data.

In the second embodiment, the POS terminal 1 has the same external appearance as that of the first embodiment shown in FIG. 1, and the guidance display section 2 and the customer side display are provided on the outer peripheral surface thereof. A section 3, an antenna 4, an operator side display section 5, a keyboard 6 and the like are provided. A scanner 7 is connected to the POS terminal 1.

A guidance display section 2, a customer side display section 3 and an antenna 4 are provided close to each other on the surface of the POS terminal 1 facing the customer who makes the payment. The guidance display unit 2 displays guidance to the customer regarding a payment method using a mobile phone. This guidance display section 2
The display surface is surrounded by a blue frame. The customer-side display unit 3 displays general information related to the transaction, such as the name and price of the product registered as sales to the customer who makes the payment.

The antenna 4 radiates radio waves of a predetermined frequency used in short-range wireless communication such as Bluetooth toward the outside of the device based on the transmission data. Antenna 4 is P
The radio waves of the near field communication frequency radiated around the OS terminal 1 are captured. The directivity of the antenna 4 is directed to a predetermined space on the display surface of the guidance display unit 2.

FIG. 6 is a control block diagram showing the main structure of the POS terminal 1 in the second embodiment, and the same parts as those in FIG. 2 are designated by the same reference numerals. The POS terminal 1 according to the second embodiment has a CPU 11 and a ROM 1
2, RAM 13, keyboard 6, keyboard control unit 1
4, scanner 7, scanner control unit 15, drawer 17, drawer opening mechanism 16, guidance display unit 2, guidance display control unit 18, customer side display unit 3, customer side display control unit 1.
9, operator side display unit 5, operator side display control unit 2
0, a receiving unit 21, a transmitting unit 22, an antenna 4, a voltage control unit 51 and a clock unit 52.

CPU 11, ROM 12, RAM 1
3, keyboard control unit 14, scanner control unit 15, drawer opening mechanism 16, guidance display control unit 18, customer side display control unit 19, operator side display control unit 20, receiving unit 2
1, the transmission unit 22, the voltage control unit 51, and the clock unit 52 are connected via a bus line 28.

The CPU 11 controls the POS terminal 1, reads a predetermined program, and performs predetermined processing based on the program. The ROM 12 stores various message information to be displayed on each display unit, a mobile phone program, a device ID, and the like, in addition to various programs executed by the CPU 11. The mobile phone program causes the CPU of the mobile phone to perform a predetermined process, and is transmitted to the mobile phone by short-distance wireless communication when performing a payment process. The device ID is unique data for identification that is uniquely assigned to each communication device so that it can be distinguished from other short-range wireless communication devices in short-range wireless communication. The device ID is also used when calculating and determining the pattern of frequency hopping (communication method in which the frequency of the radio wave to be used is switched one after another in a short time) that is performed to prevent interference or interception in short-range wireless communication. used.

The RAM 13 stores various data based on various programs executed by the CPU 11.

The keyboard controller 14 takes in the data input from the keyboard 6 and sends it to the CPU 11 and the RAM 13 via the bus line 28. Scanner control unit 15
Takes in the barcode data read by the scanner 7,
It is sent to the CPU 11 and the RAM 13 via the bus line 28. The drawer opening mechanism 16 opens the drawer 17 for storing cash or the like. The guidance display control unit 18
Various information is displayed on the guidance display unit 2 according to an instruction from the CPU 11. The customer side display control unit 19 is the CPU 1
Various information is displayed on the customer side display unit 3 according to the instruction from 1. The operator-side display control unit 20 causes the operator-side display unit 5 to display various types of information according to an instruction from the CPU 11.

The receiving unit 21 receives data transmitted from another short-range wireless communication device based on the radio wave for short-range wireless communication captured by the antenna 4, and receives the received data via the bus line 28. It is sent to the CPU 11 and the RAM 13.
Under the control of the CPU 11, the receiving unit 21 can arbitrarily change its receiving sensitivity to low sensitivity, medium sensitivity, or high sensitivity. In the low sensitivity state, only radio waves of the near field communication frequency emitted from the near field communication device in close proximity to the guidance display unit 2 can be detected. In the medium-sensitivity state in which the sensitivity is higher than the low sensitivity, even a radio wave of a short-distance wireless communication frequency emitted from a short-distance wireless communication device existing several tens of centimeters away from the POS terminal 1 is detected. be able to. In the high-sensitivity state in which the sensitivity is further increased, it is possible to detect even a radio wave of a frequency for short-distance wireless communication emitted from a short-distance wireless communication device existing a few meters away from the POS terminal 1. Receiver 2
The range of the reception sensitivity of 1 can be gradually changed from the low sensitivity state to the medium sensitivity state. For such a change in reception sensitivity, for example, first, the electric field strength of the radio wave captured by the antenna 4 is measured. Next, the measured electric field strength is compared with one reference value selected by the CPU 11 from the reference values set for each reception sensitivity. Then, when the electric field strength is lower than the reference value, the radio wave is selected.

The transmitting unit 22 causes the antenna 4 to radiate a radio wave for near field communication according to data to be transmitted to another near field communication device. The transmitter 22 includes a transmission amplifier 24 to which a voltage is applied from the power control terminal 23. The voltage controller 51 controls the voltage applied to the power control terminal 23. The voltage applied from the voltage controller 51 to the power control terminal 23 changes the transmission range in which radio waves can be transmitted by near field communication. In the POS terminal 1, the transmission range is from the first transmission range (a distance of several centimeters from the antenna 4) near the antenna 4, that is, near the blue frame area surrounding the guidance display unit 2. The second transmission range (a little less than 10 meters), which is wider than the first transmission range, is set. When the transmission range is the first transmission range, communication is possible only with one mobile phone located within the first transmission range. When the transmission range is the second transmission range, short-range wireless communication is possible with all the mobile phones located within the second transmission range. Further, the voltage control unit 51 can control the voltage applied to the power control terminal 23 so as to gradually change the transmission range within the first transmission range.

Here, the receiving unit 21 and the transmitting unit 22 constitute a short-range wireless communication means. The POS terminal 1 is a communication range for specifying one mobile phone as a mobile device for settlement among many mobile phones by the short-distance wireless communication means (reception unit 21 and transmission unit 22). The communication range can be gradually changed up to the communication range. Further, the POS terminal 1 can further extend the communication range to the second communication range, which is the communication range in which the customer as the settlement partner can freely operate the mobile phone in a comfortable posture.

The clock section 52 generates time information. Further, the clock unit 52 measures a predetermined time at a predetermined timing, and constitutes a time measuring means.

Message information and the like to be displayed on the guidance display unit 2, the customer side display unit 3, and the operator side display unit 5 are stored in the ROM 12. The ROM 12 also stores message information to be displayed on the display unit of the mobile phone carried by the customer when performing the electronic payment processing described later. Message information explaining the payment method to the customer by the mobile phone is displayed on the guidance display unit 2. For example, "Please hold your mobile phone in the blue frame area", "Check the amount and enter the payment approval code", "Payment is completed", etc. On the other hand, the customer-side display unit 3 displays commercial information during standby and information regarding products during product registration. An error message or the like is displayed on the operator side display unit 5. On the display of the mobile phone for payment,
Message information corresponding to a predetermined confirmation code or approval code to be input by the customer for confirmation or consent is displayed.

The RAM 13 has a work area for performing various calculations, an area (first ID storage area) for storing a device ID acquired by short-distance wireless communication from a mobile phone specified as a settlement target candidate, and a short distance. An area (second ID storage area) for storing the device ID of the mobile phone that is determined to be excluded from the payment targets among the device IDs acquired from the mobile phone by wireless communication is formed.

The keyboard 6 is provided with a subtotal key, an electronic settlement key, a deposit / cash total key, and the like. The subtotal key is
Instructing the calculation output of the billed amount based on the price of each product registered for sale as one transaction. The electronic payment key acquires the payment data by short-range wireless communication from a mobile phone that holds the value of electronic money as payment data,
It instructs to make a payment (electronic payment processing) based on the payment data acquired from the mobile phone carried by the customer. The deposit / cash total key instructs cash settlement processing for settlement by receipt of cash.

In this second embodiment, the mobile phone has the same structure as that of the first embodiment shown in FIG. 3, and the mobile phone has a CPU 31, a ROM 3
2, EEPROM (electric erasable programmable read only memory) 34, RA
M36, display control unit 37, display unit 38, input control unit 3
9, an input unit 40 as an operation unit, a communication module 41,
It includes an antenna 42.

CPU 31, ROM 32, EEPROM
34, RAM 36, display controller 37, input controller 39,
The communication module 41 is connected via a bus line 43.

The CPU 31 controls the mobile phone, reads a predetermined program, and performs a predetermined process based on the program. The ROM 32 is provided with a device ID storage unit 33 and the like in addition to the program storage unit in which various programs are stored. The device ID storage unit 33 stores a device I as a wireless communication address that is uniquely assigned in advance to a device that communicates by the short-range wireless communication function.
D is stored. In the EEPROM 34, the value of electronic money is rewritably stored in a nonvolatile state as payment data necessary for payment. In RAM36,
A storage area such as a work area is formed.

The display control unit 37 controls the display on the display unit 38. The input control unit 39 controls an input from the input unit 40 including a plurality of input keys. The communication module 41 performs mobile communication with a mobile communication base station via the antenna 42, and performs short-range wireless communication with a base unit for short-range wireless communication.

FIGS. 7 to 9 show the flow of processing executed by the CPU 11 of the POS terminal 1 in the registration mode of the POS terminal 1 during the sale registration of a product and the settlement performed in accordance with the sale registration. It is a figure.

In step ST101, the CPU 11
Accepts product sales registration. That is, the CPU 11
When the bar code data is received from the scanner control unit 15, the display unit 3 displays the name and price of the corresponding product on the customer side display unit 3 and the operator side display unit 5 based on the received bar code data. Further, the CPU 11 registers the sales of the product corresponding to the barcode data in a predetermined area of the RAM 13.

In step ST102, the CPU 11
Determines whether the operation of the subtotal key has been detected. When the operation of the subtotal key is detected, in step ST103, the CPU 11 calculates the billed amount based on each price of each product for which sales are registered as one transaction. And C
The PU 11 displays the calculated billed amount on each of the customer side display unit 3 and the operator side display unit 5.

In step ST104, the CPU 11
Determines whether the operation of the electronic payment key is detected.
If the operation of the electronic payment key is not detected, the CPU 11 performs the payment processing in cash in step ST105 on condition that the operation of the deposit / cash total key is detected. That is, the CPU 11 receives the deposit amount input from the keyboard 6 and opens the drawer 17.

When the operation of the electronic payment key is detected in step ST104, in step ST106
The CPU 11 causes the guidance display unit 2 to display a message to bring the mobile phone closer to the blue frame area. In this state, in step ST107, the CPU 11
Transmits a command to send back the device terminal ID to itself while gradually expanding the communication range (both the transmission range and the reception range) of the short-range wireless communication from the vicinity of the antenna 4 within the first communication range. (Communication range control means). At this time, the CPU 11 does not specify the command receiving destination. CPU
11 repeatedly transmits the command until the device ID is transmitted to itself by the short-range wireless communication.

In step ST108, the CPU 11
When a device ID is sent to itself by short-range wireless communication, acquires the device ID as the device ID of the mobile phone that has become able to communicate.

Then, in step ST109, C
PU11 is the device ID acquired this time (device ID of the mobile phone in the communicable state existing in the first communication range)
Determines whether the device ID matches the device ID already stored in the second ID storage area formed in the RAM 13. If they match, the process proceeds to step ST10 until a device ID not stored in the second ID storage area is acquired.
7, 108 (processing for acquiring the device ID of the mobile phone existing within the first communication range) (address acquisition means).

In step ST109, when the device ID acquired this time does not match the device ID stored in the second ID storage area (in the second ID storage area, any device ID that is not subject to payment is stored). In the case where it is not included), in step ST110, the CPU 11
Stores the device ID acquired this time in the first ID storage area as the device ID acquired by the short-range wireless communication from the mobile phone specified as the payment target candidate. Subsequently, in step ST111, the CPU 11 uniquely creates a predetermined confirmation code that the customer wants to input by operating the input unit 40 of the mobile phone. CPU11
Expands the communication range of short-range wireless communication to a second communication range wider than the first communication range (communication range expanding means). Then, the CPU 11 sets the device ID stored in the first ID storage area as a transmission destination, and transmits the confirmation code together with the billing amount via short-range wireless communication only to the mobile phone to which the device ID is assigned ( Code transmission means).

The confirmation code is, for example, a random number generated at that time, and is stored in the device ID stored in the ROM 12 (device ID assigned to itself) or in the first ID storage area of the RAM 13. It is irrelevant to the device ID (device ID of the transmission destination) and the like. Therefore, even if the same POS terminal 1 uses the same mobile phone to make payments a plurality of times on the same day, the confirmation codes at that time are not always the same and the security is high.

When the confirmation code is transmitted, the CPU 11 also transmits the portable telephone program. The CPU 31 of the mobile phone that has read this program causes the display unit 38 to display, for example, a predetermined message relating to the electronic settlement process transmitted from the POS terminal 1 according to an instruction from the CPU 11 of the POS terminal 1. Further, the CPU 31 receives input data input from the input unit 40 of the mobile phone and transmits it to the POS terminal 1 by short-range wireless communication. Further, the CPU 31 controls the communication module 41 of the mobile phone to control the POS terminal 1 which is a master unit in short-range wireless communication.
Data related to electronic payment processing is transmitted and received to and from the mobile phone via short-distance wireless communication.

After sending the confirmation code, etc., the CP
U11 acquires the time data at that time by the clock unit 52. Then, the CPU 11 stores the time data in the predetermined area of the RAM 13 as the confirmation code transmission time. Subsequently, in ST112, the CPU 11 returns to the guidance display unit 2 a message to the effect that the mobile phone is returned to the hand and the confirmation code displayed on the display unit 38 of the mobile phone is operated by operating the input unit of the mobile phone. Display it.

Subsequently, the CPU 11 expands the communication range of the short-range wireless communication to the second communication range wider than the first communication range, and then performs the short-range wireless communication from the mobile phone as a transmission partner to the self. Wait for the confirmation code to be sent back.

In step ST113, the CPU 11
Determines whether the same confirmation code as the confirmation code sent by itself has been received by the short-distance wireless communication from the mobile phone of the other party. When determining that the confirmation code has not been received, in step ST114, the CPU 11 determines whether or not a predetermined time has elapsed from the confirmation code transmission time stored in a predetermined area of the RAM 13.

When the predetermined confirmation code is not received even after the predetermined time has elapsed, in step ST115, C
The PU 11 causes the operator-side display unit 5 to display a predetermined error message. This error message is a message asking the operator to select whether to continue the standby state or acquire another device ID as the device ID of the payment target candidate device again. In addition to this error message, a message prompting the operator to confirm with the customer (whether the customer operated the mobile phone according to the contents displayed on the display of the mobile phone) is displayed on the operator side display unit 5. .

Subsequently, the CPU 11 waits for an instruction to continue waiting for reception of a predetermined confirmation code or an instruction to reacquire the device ID. Step ST116
In, when accepting from the keyboard 6 an instruction to continue waiting for reception of the predetermined confirmation code, the CPU 11 returns to step ST113 and waits for reception of the predetermined confirmation code until the predetermined time elapses again.

When an instruction to reacquire the device ID is received from the keyboard 6 in step ST117, the CPU 11 executes the first instruction in step ST118.
The device ID stored in the second ID storage area is stored in the second ID storage area as a device ID that is not a settlement target.
Then, the process returns to step ST107, and the CPU 11 performs a process of acquiring the device ID of the mobile phone that is in the communicable state and is within the first communication range of the short-range wireless communication (address reacquisition unit).

In step ST113, when a predetermined confirmation code is received from the mobile phone as the transmission partner, the CPU 11 causes the device ID stored in the first ID storage area to acquire the payment data. ID
I was able to confirm that. Therefore, CP
In step ST119, the U11 inquires of the mobile phone, which is the transmission partner, by short-distance wireless communication whether or not the value of the electronic money stored and held in the EEPROM 34 is equal to or more than the billing amount.

As a result of the inquiry, step ST12
At 0, the E
When the EPROM 34 receives a response by short-distance wireless communication that the value of electronic money equal to or greater than the billed amount is stored and held as a balance, the CPU 11 causes the step S
At T121, the fact that electronic payment is possible is displayed on the customer side display unit 3 and the operator side display unit 5.

Subsequently, the CPU 11 causes the step ST122.
At the time of sending, the EEP
A value corresponding to the current billing amount is deducted from the value of the electronic money stored and held in the ROM 34, and a request to transfer the deducted value is transmitted by short-distance wireless communication (settlement data requesting means). Then, step ST123
In, when the value of the electronic money corresponding to the billing amount is received from the mobile phone which is the transmission partner by the short-distance wireless communication (settlement data receiving means), the CPU 11 causes the step S
At T124, payment processing is executed (payment processing means). In the settlement process, the CPU 11 stores the received value of electronic money and the device ID stored in the first ID storage area in a predetermined area of the RAM 13 in association with each other.

When the settlement process is completed, the CPU 11 displays the settlement completion on the customer side display unit 3 and the operator side display unit 5 in step ST125. Also CPU1
1 transmits a command for displaying the end of payment on the display unit 38 to the mobile phone as a transmission partner by short-distance wireless communication. Then, the CPU 11 performs step ST1.
At 26, the device IDs stored in the first ID storage area and the second ID storage area are cleared, and the process ends.

In step ST120, the mobile phone as the transmission partner receives a response from the short-distance wireless communication to the effect that the value of the electronic money equal to or more than the billing amount is not stored and held as the balance in the own EEPROM 34. In this case, in step ST127, the CPU 11 causes the customer side display unit 3 and the operator side display unit 5 to display that payment cannot be made. Subsequently, in step ST128, when CPU 11 accepts, for example, an operation of a deposit / cash total key instructing to perform another settlement process instead of the electronic settlement process, CPU 11 performs the settlement process based on the command. Then, the process proceeds to step ST126, the device IDs stored in the first ID storage area and the second ID storage area are cleared, and the process ends.

The operator who operates the POS terminal 1 stands by for the customer by standing on the side of the POS terminal 1 on which the operator side display section 5 is provided. Customer is POS
Standing on the side of the terminal 1 where the guidance display unit 2, the customer side display unit 3 and the antenna 4 are provided, the operator is offered to settle the product to be purchased. At this time, the customer
The message "Electronic payment using a mobile phone is possible" displayed on the guidance display unit 2 is visually recognized.

The operator successively reads the bar code information attached to the products purchased by the customer by the scanner 7. At this time, the price of each product is registered as sales in the POS terminal 1. Further, the customer-side display unit 3 and the operator-side display unit 5 display the price and name of each product registered as sales. The customer and the operator confirm the correctness of the sales registration by looking at the display.

The operator operates the subtotal key when all the sales registrations of the products that the customer intends to purchase are completed. Then the operator will pay in cash,
Or ask the customer if they want to make a payment using a mobile phone. At this time, the customer-side display unit 3 and the operator-side display unit 5 display the billing amount calculated based on the price of each product registered as sales.

The operator operates the electronic settlement key when the customer replies that he / she wants to make a settlement using the mobile phone. By the input operation of this electronic payment key, the message "Please hold your mobile phone over the blue frame area" is displayed on the guidance display section 2. The customer who confirms this message holds the mobile phone near the blue frame area of the guidance display unit 2 according to the message.

When the customer holds the mobile phone near the blue frame area of the guidance display unit 2, the mobile phone is easily specified as the acquisition source of the payment data necessary for the electronic payment processing. When the mobile phone is specified, display of the mobile phone (probably the mobile phone held by the customer near the blue frame area of the guidance display unit 2 according to the message displayed on the guidance display unit 2 of the POS terminal 1) The confirmation code, the amount to be charged, and the message “Please enter the confirmation code” are displayed in the section 38.

When the billing amount is displayed on the display unit 38 of the mobile phone, the customer determines whether the billing amount matches the billing amount displayed on the customer side display unit 3 of the POS terminal 1. Check. If they match, it can be confirmed that the user's mobile phone has been correctly identified as the acquisition source of the payment data necessary for the electronic payment processing that is about to be performed.

At this time, the guidance display section 2 of the POS terminal 1 says, "You have returned your mobile phone, check the billing amount, and confirm the code displayed on the display section of the mobile phone. Please enter the number into your mobile phone. "Is displayed.

The customer who confirms the message on the guidance display unit 2 follows the message and follows the guidance display unit 2
Return the mobile phone held near the blue frame area to the position where you can easily operate it. Then, the customer confirms the content displayed on the display unit 38 of the mobile phone and operates the input unit 40 to input the confirmation code. The confirmation code input to the mobile phone at this time is not unique data such as a device ID assigned to the mobile phone or the POS terminal 1. The confirmation code is P
The OS terminal 1 is independently generated without any regularity and is generated as an ad hoc one. Therefore, the confirmation code alone cannot identify the mobile phone to which the confirmation code is input, and cannot identify the customer. Therefore, the privacy of the customer is completely preserved even if the other person is used to look at it.

If the mobile phone to which the customer has entered the confirmation code stores and holds the electronic money equal to or more than the amount charged, the customer side display unit 3 and the operator side display unit 5 of the POS terminal 1 display electronic money. A message that payment is possible is displayed.

On the display unit 38 of the mobile phone, a message "please confirm the amount and approve the settlement" is displayed along with information regarding settlement such as the amount to be deducted and the balance amount after settlement. Is displayed. When the customer who confirms this message operates the input unit 40 of the mobile phone and inputs the approval code, the value of the electronic money corresponding to the billed amount is transmitted from the mobile phone to the POS terminal 1 by the short-range wireless communication. . The authorization code is a code obligatory to be input when it is understood that the value corresponding to the charged amount is subtracted from the value of electronic money stored and held in the mobile phone. If this authorization code is not entered correctly, the mobile phone will not send the value of electronic money.

The POS terminal 1, which has received the value of the electronic money corresponding to the billing amount from the mobile phone, executes a predetermined settlement process using the received value of the electronic money as the price. At this time, a message to the effect that the electronic payment is completed is displayed on the customer side display unit 3 and the operator side display unit 5 of the POS terminal 1. Further, a message indicating that the electronic payment is completed is also displayed on the display unit 38 of the mobile phone which has transmitted the value of the electronic money corresponding to the billed amount to the POS terminal 1 by the short-range wireless communication.

Even after the lapse of a predetermined time after the message "Hold your mobile phone over the blue frame area" is displayed on the guidance display unit 2, the POS terminal 1 sends a predetermined confirmation code from the mobile phone. If not received, a message prompting the operator to confirm with the customer (whether the customer operated the mobile phone according to the content displayed on the display unit of the mobile phone) is displayed on the operator side display unit 5. Also, the operator is asked whether the operator side display unit 5 waits for a predetermined confirmation code to be sent from the mobile phone or whether another device ID is to be acquired again as the device ID of the payment target candidate device. A message is also displayed.

When the customer inputs the confirmation code and the mobile phone does not store and hold the electronic money equal to or more than the charged amount, a message notifying that the settlement is impossible is displayed on the operator side display unit of the POS terminal 1. It is displayed in 5. At this time, the operator, after confirming with the customer,
Make payment in cash.

According to the second embodiment, the POS terminal 1 is pre-allocated to each mobile telephone in a state where the communication range of the POS terminal 1 is narrowed to the first communication range near the antenna 4. Acquire device IDs one by one. Then, every time the POS terminal 1 acquires the device ID, the POS terminal 1 transmits the confirmation code with the device ID as the destination of the short-range wireless communication, and waits for the response. And POS terminal 1
When receiving the same confirmation code from the mobile phone that has transmitted this confirmation code, specifies the mobile terminal identified by the device ID as the mobile telephone that acquires the payment data. Therefore, even if there are mobile phones around the POS terminal that are carried by a large number of unspecified customers, it is possible to correctly specify the mobile phone from which the payment data is acquired.

Further, since the POS terminal 1 gradually expands the communication range within the first communication range and specifies the mobile phone from which the payment data is acquired, the device ID of the mobile phone acquired first is The probability of being a device ID of a mobile phone that makes a payment is very high.

Further, when the POS terminal 1 is pre-allocated to each mobile phone and acquires one device ID, the PO
Expand the communication range of the S terminal for short-range wireless communication. Therefore, even if the customer operates the mobile phone at a position where he or she can easily operate it, the mobile phone and the POS terminal can be connected by short-range wireless communication and can communicate with each other. As a result, the customer can input the confirmation code and the approval code by operating the input unit 40 of the mobile phone at a position where the customer can easily operate. Also, even if the customer operates the mobile phone at a position that is easy to operate, the short-distance wireless communication will not be interrupted and the electronic payment processing will not be interrupted.
Electronic payment can be performed without delay.

Although the communication range of the POS terminal 1 is gradually expanded within the first communication range, the first communication range may be a fixed communication range. At this time, after acquiring the device ID of the mobile phone, the device is expanded to the second communication range.

Also, the payment data stored and held in the mobile phone is the value of electronic money, but the membership number given to each customer by the credit card company and each customer opened as a payment account at the financial institution. The information may be information for discounting the account number, loyalty card, or amount of money, or information including all of them.

Here, the settlement processing apparatus according to the present invention stores and holds data necessary for settlement of merchandise sales transactions and is in close proximity to at least one portable device to which a wireless communication address in short-range wireless communication is assigned. A short-range wireless communication means for performing wireless communication, an antenna for radiating and capturing radio waves of short-range wireless communication performed by the short-range wireless communication means, and a communication range for short-range wireless communication by the short-range wireless communication means Communication range control means for controlling a first communication range in the vicinity of the first communication range and a second communication range wider than the first communication range, and the communication range control means sets the communication range to the first communication range. Then, the address acquisition means for acquiring the wireless communication address from the one mobile device approaching the antenna, and the wireless communication from the one mobile device by the address acquisition means. When the address is acquired, the communication range control means expands the communication range to the second communication range, and the communication range is expanded by the communication range expansion means. It may include a payment data receiving means for receiving data necessary for payment by short-distance wireless communication, and a payment processing means for performing payment processing based on the data received by the payment data receiving means.

Further, the communication range control means controls, when the wireless communication address is acquired by the address acquisition means, such that the communication range is gradually expanded from the vicinity of the antenna within the first communication range. May be

Further, at least one mobile device has a display unit, and when the settlement processing device acquires a wireless communication address from one mobile device by the address acquisition means, the payment processing device receives the wireless communication address from the mobile device. It may further include code transmitting means for transmitting a predetermined code to be displayed on the display unit by near field communication.

Further, at least one portable device has a display unit and an operation unit respectively, and when a predetermined code is received by the short-range wireless communication, the display unit displays the data corresponding to the code, and thereafter, When a predetermined data is input by the operation unit, a predetermined code is sent back to the device of the code transmission source by the short-distance wireless communication, and the payment processing device uses the address acquisition means to provide one portable device. When the wireless communication address is obtained from the mobile communication device, a code transmission means for transmitting a predetermined code to the mobile device by short-range wireless communication, and the same code as the predetermined code transmitted by the code transmission device is received from one mobile device. Then, the mobile device further comprises a payment data requesting unit for requesting data necessary for payment of the product sales transaction, and the payment data Upon receiving the data required for settlement of trading transactions in from one of the mobile device that requested the data by data request unit may be performing a settlement process based on the received data.

In this case, the settlement processing device, if the same code as the predetermined code is not returned from the one portable terminal which has transmitted the predetermined code by the code transmission means, the wireless communication address acquired by the address acquisition means. An address reacquisition unit for acquiring an address different from that may be further provided.

Further, the settlement processing device measures the elapsed time after transmitting the predetermined code by the code transmitting means and the predetermined code even if the preset elapsed time is measured by the time measuring means. It may further comprise means for displaying an error message on the operator side display unit unless the same code is returned from one portable device.

Further, the settlement processing apparatus continues the standby state if the same code as the predetermined code is not returned from one portable device even if the elapsed time set in advance by the time measuring means is counted. , And may further include means for urging the user to select whether to acquire another wireless communication address again.

[0109]

As described above, according to the first and second aspects of the present invention, the person who makes the payment can carry it from a plurality of portable devices carried by an unspecified number of persons. It is possible to provide a payment processing device that can specify a mobile device that is present by wireless communication and can perform a payment process based on the data acquired from the specified mobile device.

According to the third aspect of the present invention, the portable device carried by the person making the payment is selected from a plurality of portable devices carried by an unspecified number of persons by wireless communication. It is possible to provide a payment processing method that can specify and perform payment processing based on the data acquired from the specified mobile device.

[Brief description of drawings]

FIG. 1 is a diagram showing an external appearance of a POS terminal according to an embodiment of the present invention viewed from a customer side.

FIG. 2 is a control block diagram of the POS terminal according to the same embodiment.

FIG. 3 is a control block diagram of the mobile phone according to the first embodiment.

FIG. 4 is a diagram showing a control flow of the POS terminal in the same embodiment.

FIG. 5 is a diagram showing a display example on a customer side display unit of the POS terminal in the same embodiment.

FIG. 6 is a control block diagram of a POS terminal according to the second embodiment of the present invention.

FIG. 7 is a diagram showing a control flow of the POS terminal according to the second embodiment.

FIG. 8 is a diagram showing a control flow of the POS terminal according to the second embodiment.

FIG. 9 is a diagram showing a control flow of the POS terminal according to the second embodiment.

[Explanation of symbols]

1 ... POS terminal 3 ... Customer side display 4,42 ... antenna 11 ... CPU 21 ... Receiver 22 ... Transmitter 23 ... Power control terminal 24 ... Transmission amplifier 25 ... Switching port 26, 27 ... Voltage setting circuit 41 ... Communication module 51 ... Voltage control unit 52 ... Clock part

─────────────────────────────────────────────────── ─── Continuation of the front page (51) Int.Cl. ⁷ identification code FI theme code (reference) H04Q 7/38 H04B 7/26 109H

Claims (3)

[Claims] 1. A settlement processing apparatus having a wireless unit for performing wireless communication with a mobile terminal having a wireless communication address, and performing processing by receiving information necessary for settlement of a commercial transaction from the mobile terminal by the wireless unit. Providing communication range switching means for switching a wireless communication range of the wireless unit between a first communication range in which the wireless unit is near an antenna of the wireless unit and a second communication range wider than the first communication range,
When the wireless communication address of the wireless unit is acquired from the portable terminal approaching the antenna when the wireless communication range of the wireless unit is the first communication range, the wireless range of the wireless unit is set to the first by the communication range switching unit. 2. A payment processing device, which expands to a communication range of 2, and receives information necessary for payment of a commercial transaction from the mobile terminal that has acquired the wireless communication address to perform payment processing. 2. A settlement processing apparatus having a wireless unit for performing wireless communication with a mobile terminal having a wireless communication address, and performing processing by receiving information necessary for settlement of commercial transactions from the mobile terminal by the wireless unit. A communication range switching means for switching a wireless communication range of the wireless unit between a first communication range in which the wireless unit is near an antenna of the wireless unit and a second communication range wider than the first communication range; Communication range setting means for setting a wireless communication range to the first communication range, and the wireless communication range of the wireless unit set to the first communication range by the communication range setting means, and the antenna approaches the antenna. Communication range expanding means for expanding the wireless communication range of the wireless part to the second communication range by the communication range switching means when the wireless communication address is acquired from the portable terminal, and the communication range. When the information necessary for settlement of the commercial transaction is received from the mobile terminal that has acquired the wireless communication address in a state where the wireless communication range of the wireless unit is expanded to the second communication range by the extension unit, based on the received information. A payment processing apparatus comprising: a payment processing unit that performs payment processing. 3. A payment processing device comprising a wireless unit for performing wireless communication with a mobile terminal having a wireless communication address, and the wireless unit receiving information necessary for payment of a commercial transaction from the mobile terminal and performing payment processing. A payment processing method, wherein the wireless communication range of the wireless unit is controlled in the vicinity of the antenna of the wireless unit, and the wireless communication address of the wireless unit is expanded by acquiring the wireless communication address from the mobile terminal approaching the antenna. A payment processing method comprising receiving information necessary for payment of a commercial transaction from the mobile terminal that has acquired the wireless communication address and performing payment processing.