JP2003303306A - Commodity cost-payment system by prepaid system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a prepaid system capable of using without limitations on time and place. <P>SOLUTION: This system is provided with a prepaid program sales company, a prepaid program delivery server for delivering prepaid program that the prepaid program sales company sells to a user terminal through a network, a user terminal which has a function for downloading, preserving and executing the prepaid program from the prepaid program delivery server through the network, and a store terminal which has a function for performing the receiving process of the commodity cost-payment by the prepaid program. The user terminal and the store terminal can communicate mutually. The user terminal and the store terminal updates the balance of the prepaid program that the user terminal uses for pay based on the communication result. The store terminal pays the commodity cost by performing the receiving process of the commodity cost by the prepaid program. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a prepaid system and uses a prepaid program downloaded to a user terminal such as a mobile phone when purchasing a product or receiving a service. The present invention relates to a prepaid system for paying the price.

[0002]

2. Description of the Related Art Today, a payment method using a prepaid card is widely used. This is because when a user purchases a prepaid card with a value equivalent to a certain amount of money issued by the product or service provider and purchases goods or services at a store that handles the prepaid card,
This prepaid card enables cashless settlement. Here, we have installed a prepaid card reader in the store where we handle, and we are trying to buy and sell goods by reading the monetary information stated on the prepaid card presented by the user, and after payment, the balance on the card Will be recorded. The handling store records the amount of money bought and sold by the card reader and pays this amount with the card issuing company.

On the other hand, it is well known that the mobile phone system is generally widespread.

[0004]

When using a conventional prepaid card, the user must first select a store where he / she wants to purchase goods or services, and purchase a prepaid card issued by the company. To purchase a prepaid card, you can purchase it at the store of each prepaid card handling store or by looking for a prepaid card ticket vending machine, but since the place to purchase depends on the type of card, the user can smoothly purchase the desired card when they want to buy it. You may not be able to purchase it.

Also, the prepaid card can often be purchased only during the business hours of the store where it is handled, and it may not be possible to purchase the prepaid card depending on the time even if the balance is insufficient. .

[0006] Further, if a user possesses a plurality of prepaid cards and uses them, it becomes difficult to manage the cards, and the prepaid card cannot be purchased smoothly, or the prepaid card is lost. There are cases where you will end up.

[Means for Solving the Problems]

The present invention can be used by realizing the procedure from the purchase of a monetary value to the purchase of goods or services using the value by using terminals such as mobile phones which are widely used today. It is intended to provide a mechanism for improving the convenience of the purchasing behavior of a person.

In order to achieve this object, in the prepaid system product price payment system of the present invention, a prepaid program selling company and a prepaid program for distributing the prepaid program sold by the prepaid program selling company to a user terminal via a network. A program distribution server and a prepaid program are downloaded from the prepaid program distribution server via the network, and the prepaid program is stored,
A user terminal having a function of executing and a store side terminal having a function of receiving the payment of the product price payment by the prepaid program are provided, and the user terminal and the store side terminal can communicate with each other. In addition, the user terminal and the store side terminal communicate with each other, and based on the result, the user terminal updates the balance of the downloaded prepaid program, and the store side terminal performs the receipt process of the product price, thereby the product price. It is characterized by making payment.

According to the system of the present invention as described above, the user can freely obtain the prepaid program at any time to purchase an item, search for a ticket vending machine,
There are no restrictions on the sales hours of prepaid cards.

In the system of the present invention, the user terminal is preferably a mobile phone terminal. By using the mobile phone terminal, the user can obtain the prepaid program anywhere without being restricted in location.

Further, in the system of the present invention, it is preferable that the shop terminal is a POS terminal. By using the POS terminal, communication between the user terminal and the terminal on the shop side can be freely performed in the shop, and higher convenience can be obtained.

It is preferable to use a wireless communication means as a communication means between the user terminal and the store side terminal. Since it is possible to communicate in a contactless manner, higher convenience can be obtained.

Further, in the commodity price payment system of the present invention, the user terminal has a function of displaying a history of commodity sales performed between the user and the store by using the prepaid program. To do. With this configuration, the user can always recognize the balance of the prepaid program owned by the user.

The system further comprises a mobile phone company to which the user subscribes, and the payment of the purchase price of the prepaid program between the user and the prepaid program sales company is performed through the mobile phone company. Is preferred. Since payment systems for mobile phone usage charges and call charges are widely used, the payment system for prepaid programs can be easily settled by using this system.

Further, in the product price payment system of the present invention, the prepaid program distributed by the prepaid program distribution server is distributed by incorporating a unique identifier into the program, and the program is distributed at the user terminal and the store. It is characterized in that communication with the side terminal and processing performed by the shop side terminal and / or settlement of the prepaid program purchase price at the user and the prepaid program sales company are performed by identifying the identifier.

By thus embedding the unique identifier in the program itself, the user can be easily identified and each process can be performed smoothly.

The present invention also relates to a commodity price payment method using a prepaid program, in which a prepaid program sales company sells a prepaid program via a network, and a user pays the prepaid program via the network. The program is purchased and stored in the terminal owned by the user, and when the product is purchased, the user terminal communicates with the terminal on the store side that provides the product, and the prepaid card stored in the user terminal is stored. Pay the product price by updating the balance of the program and performing payment receipt processing by the prepaid program for all or part of the product price purchased by the user at the terminal of the store that provides the product. Is characterized by.

According to the payment method of the present invention, the user can obtain the prepaid program and purchase the product without being restricted by time and place.

The payment method of the present invention is characterized in that the prepaid program sales company and the store settle the amount of money corresponding to the price of the product purchased by the user. When the store that sells the product and the prepaid program sales company are independent of each other, the payment is made between them.

Note that the prepaid program sales company can issue the prepaid program separately to a plurality of stores. In this case, the payment made between the prepaid program sales company and the stores is different for each store. To do so.

The payment of the program price between the user and the prepaid program sales company is preferably performed through the mobile phone company used by the user. Since the toll collection system of mobile phone companies is widespread,
By using this, it is possible to easily make a payment.

Further, in the commodity price payment method of the present invention, the prepaid program distribution server distributes a prepaid program, an identifier unique to the distributed prepaid program, and a program purchase amount (payable) specified from the user terminal. It is characterized by embedding information regarding the amount of money and delivering it. As described above, by embedding the program-specific identifier and the purchase amount specified by the user in the program, product sales management can be easily performed. Note that user information, a mobile phone number, a manufacturing number, etc. can be preferably used as the program-specific identifier.

The present invention also relates to a prepaid program used in the product price payment system or the product price settlement method.

For this prepaid program, a class file in which the program is written in Java (registered trademark) language can be preferably used.

Further, it is preferable that this program can store a prepaid program issued to a plurality of different stores. This is because the system of the present invention can be applied to a wider range.

Further, it is preferable that the prepaid program of the present invention has a function of managing a history of product sales performed between the user terminal and the retail store terminal.
This is because the user who purchased the prepaid program can easily grasp the usage status (balance).

[0027]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of the present invention will be described in detail below with reference to the drawings. 1 and 2 are diagrams showing a configuration of a first embodiment of a prepaid system according to the present invention. FIG. 1 is a configuration diagram of the entire system, and FIG. 2 is a mobile phone 2 constituting the system and a retail store. FIG. 3 is a diagram showing details of a POS terminal 4 and a prepaid program distribution server 3.

The system of the present invention is a mobile phone 2 owned by the user 1 and a seller A of the prepaid program.
A distribution server 3 operated by the company, a POS terminal 4 also provided in a retail store operated by the company A, a mobile phone company 5,
The mobile phone 2 and the prepaid program distribution server 3 are connected to each other through an internet network 6 and a wireless communication network 7 that enables wireless communication between the mobile phone 2 and the retail POS terminal 4.

The mobile phone 2 accesses the prepaid program distribution server 3 via the Internet network 6,
It has the function of downloading (purchasing) prepaid programs sold by the company.

The prepaid program distribution server 3 is A
It is a WWW server machine managed by the company, and downloads a prepaid program in response to a request from the mobile phone 2 of the user 1.

The retail store POS terminal 4 is a POS terminal installed in a retail store operated by Company A. When purchasing a product, the retail store POS terminal 4 communicates with a user's mobile terminal to receive a payment for using a prepaid program. It has the function of processing.

The company A has a contract with the mobile phone company 5, and charges the user for the content distributed to the user 1 by using the system of the mobile phone company 5.
The mobile phone company 5 provides the mobile phone service to the user 1, and when charging the monthly call charge to the user 1, the price of the prepaid program purchased by the user from the distribution server 3 and Charge a fee for the content of the program used by the user 1. The prepaid program sales company A may also serve as the mobile phone company 5.

As shown in FIG. 2, the mobile phone terminal 2 has a program storage area 21 for storing the prepaid program downloaded from the distribution server 3, and this storage area 2.
1 manages and executes the program stored in the mobile phone 2 on the mobile phone 2, a data storage 23 that stores data processed by the prepaid program stored in the mobile phone terminal, and a retailer via the wireless communication network 7. Store P
A wireless communication unit 24 that wirelessly communicates with the OS terminal 4 is provided. The wireless communication unit 24 can be controlled by the prepaid program. Program storage area 21
Can store a plurality of prepaid programs, and the program management processing unit 22 can also manage and process these programs in parallel.

The prepaid program distribution server 3 requests the program distributor 31 for distributing the prepaid program 23 in response to a program purchase request (HTTP request) from the mobile phone terminal 2 and the blank prepaid program 23 to the purchaser. The prepaid program creation processing unit 32 embeds the purchase amount of money to be paid as monetary value information, and the mobile phone information of the purchase source and the like with the unique identifier of the program.

The retail store POS terminal 4 has a wireless communication section 4 for realizing wireless communication with the mobile phone terminal 2 via the wireless communication network 7.
1 and a payment processing unit 42 that controls the wireless communication unit 41 and processes a payment request from the mobile phone terminal 2.

Next, the operation of the first embodiment of the present invention will be described. In the embodiments described below, the wireless communication network 7 is a communication network using infrared rays, and the wireless communication units of the mobile phone 2 and the retail POS terminal 4 are infrared ports. A Java (registered trademark) class file is used for the prepaid program.

FIG. 3 is a flowchart showing the operation when the user 1 uses the mobile phone 2 to purchase the prepaid program from the prepaid program distribution server 3. The user 1 first uses the mobile phone 2 to access the prepaid program purchasing site of the prepaid program distribution server 3 established on the Internet network 6.

FIG. 4 shows a display screen of the mobile phone 2 at this time. The user 1 can purchase the prepaid program by selecting a desired purchase price and pressing the purchase button.

When the user 1 presses the purchase button, the program management processing unit 22 of the mobile phone terminal 2 adds the selected purchase amount, mobile phone number, and mobile phone manufacturing number to the HTTP request header to deliver to the distribution server. Then, a request for acquisition of the prepaid program is made (step 101).

In the distribution server 3 that has received this request, the prepaid program distribution processing unit 31 uses the information (purchase amount, telephone number, serial number) added to the HTTP request header to prepare the prepaid program creation processing unit 32 of the distribution server 3. To request the preparation of the prepaid program (step 102).

The prepaid program creation processing unit 32 uses a predetermined algorithm based on the sent purchase amount, telephone number, manufacturing number, and current date information, and uses a predetermined algorithm (hereinafter, simply an identifier). Say)
Is created (step 103), this identifier is embedded in a blank prepaid program together with the purchase amount to generate a prepaid program (step 104), and this is sent to the prepaid program distribution processing unit 31 (step 105) to complete the processing. .

Here, the blank prepaid program is a class file written in the Java (registered trademark) language and has a format executable on the mobile phone. The blank prepaid program is a compiled class file in which the identifier and the value of the purchase amount are defined in advance as a dummy. If necessary, the prepaid program creating unit 32 places the constant value in the class file in the constant pool area. The identifier and the value of the purchase price can be embedded. This eliminates the need to modify and recompile the source code every time.

The prepaid program distribution processing section 31 is
This new prepaid program is the Internet 6
The data is downloaded to the mobile phone terminal 2 via (step 106). Program management processing unit 22 of mobile phone terminal 2
Saves the prepaid program thus obtained in the program storage area 23 (step 107) and notifies the distribution server 3 of the completion of prepaid program reception (step 108). On the other hand, the program distribution processing unit of the distribution server 3 records the billing information of the distributed program (step 109). This charging information is notified to the mobile phone company 5, and later charged to the user 1 via the mobile phone company 5.

After purchasing the program, the user 1 can use the program management function of the mobile phone terminal 2 to execute the prepaid program and purchase the product. However, when it is executed for the first time, it is necessary to initialize the data storage of the prepaid program.

FIG. 5 is a flow chart showing the procedure of this initialization. As shown in FIG. 5, when the prepaid program is purchased, first, the data storage 23 is accessed (step 201), and it is confirmed whether or not the identifier of the prepaid program is written at the head of the data storage 23 (step). 202). If the identifier is not written, it is determined that the data storage 23 has not been initialized (step 202, YE
S), the identifier embedded in the program is written in the head of the data storage 23 (step 203), and the purchase amount embedded in the program is written in the data storage as balance information (step 20).
4), the initialization process ends. The initialization process is performed each time a new prepaid program is purchased.

Next, FIG. 6 is a flowchart showing a procedure in which the user actually purchases a product by using this prepaid program. The user 1 goes to a retail store that sells products under the prepaid program, decides on the product to be purchased, requests the retailer that he / she wants to pay by the prepaid program, and makes a prepaid program on the mobile phone terminal 2. To execute.

First, the prepaid program acquires the current balance from the data storage 23 and displays it on the display screen of the mobile phone 2 (step 301). Figure 7
It is a figure which shows the display screen of the mobile telephone 2 at this time, and the balance is 300 yen in this example. After confirming that the balance is displayed on the display screen, the user 1 brings the infrared port 24 of the mobile phone terminal 2 closer to the infrared port of the retail POS terminal 4 and presses the payment button (step 302). In response to this, the retail store POS terminal side presses the prepaid payment start button on the terminal 4 (step 303). In addition,
Steps 302 and 303 may be reversed.

In the mobile phone 2, the prepaid program refers to the payment processing flag and confirms whether the previous payment processing is completed (step 304). If the payment processing is in progress, the next payment processing is performed. The process ends in error without performing (step 305). FIG. 8 is a diagram showing an error display screen on the mobile phone terminal 2 at this time. If payment processing is not in progress, a payment processing flag indicating that payment processing is in progress is set (step 306), and the retail store POS
An infrared communication connection is established with the terminal 4 (step 30)
7).

The payment processing unit 41 of the retail store POS terminal 4 is
When this infrared communication connection is established, the required amount of money is transmitted to the prepaid program (step 308). Here, it is assumed that the required amount of money is 440 yen. The prepaid program compares the sent required amount with the current balance (step 309), and if the balance is less than the required amount, sets the payment amount to the balance (step 31).
0) If the balance is larger than the required amount, the payment amount is set to the required amount (step 311), and the set payment amount is notified to the user (step 312). FIG. 9 is a diagram showing a payment confirmation screen on the mobile phone terminal 2 at this time.

In the present embodiment, since the balance is 300 yen against the required amount of 440 yen, the payment amount is 300 yen. User 1 confirms the payment amount of 300 yen, and if there is no problem, click "Yes". If you want to cancel, click "No".
Select. When the user 1 selects "Yes" and accepts the payment, the prepaid program sends the payment amount together with the program identifier to the payment processing unit 41 of the retail store POS terminal 4 (step 313). The payment processing unit 41 analyzes the received program identifier, checks whether it is a normal program identifier, and determines the validity of the received data (step 314).

If the program identifier is normal, POS
A conference screen as shown in FIG. 10 is displayed on the display screen of the terminal 4, and the amount of payment is recorded (step 315). In this example, the required amount was 440 yen, but the balance of the prepaid program was 300 yen, so 300 yen is paid by the prepaid program, and the remaining 140 yen is settled in cash. When the payment processing is completed, the payment processing unit 41 of the POS terminal 4 transmits a payment completion notification together with the program identifier to the mobile phone terminal 2 (step 316).

If the identifier of the prepaid program is determined to be incorrect in step 314, the payment process is not performed and an error message is displayed on the display screen of the POS terminal (step 317), and the payment error is sent to the mobile phone 2. Is notified (step 318).

On the side of the mobile phone terminal 2, when the payment completion notice is received from the retail store POS terminal 4 in response to the payment request sent in step 313, the amount obtained by subtracting the payment amount from the balance is stored in the data storage 23 as a new balance. After registration (steps 319 and 320), the payment history is registered in the data storage 23 (step 321), the payment processing flag is cleared (step 322), and the payment processing completion is displayed on the display screen (FIG. 11). Then, the user 1 is notified that the payment is completed (step 323).

The payment history is registered so that the user 1 can refer to the payment history at any time. When the user 1 selects the history button from the balance display screen shown in FIG. 7, the mobile phone terminal 2 displays a payment history screen as shown in FIG. 12 and can check the payment history for the prepaid program. it can. Also, as described in step 313, the retail store P responds to the payment request.
When the payment error is notified from the OS terminal 4, the mobile phone 2 clears the payment processing flag (step 32).
4), the payment error screen shown in FIG. 8 is displayed, and the user 1 is notified that the payment has not been completed (step 32).
5).

The prepaid program can be used until the balance reaches 0, and the unnecessary prepaid program can be deleted by the program management processing unit 22. The program storage area can store a plurality of programs, and a plurality of prepaid programs can be purchased and used.

In the first embodiment described above, since the distributor of the prepaid program and the retailer handling the prepaid program are the same company A, only one kind of program distribution is considered, but the prepaid program In the case where the distributor and the store that provides the product are independent companies, the prepaid program can be distributed to each store in which the prepaid system is introduced.

The second embodiment will be described below. Second
In the embodiment, the prepaid program distributor, company A, distributes the prepaid program issued to a plurality of stores (company B and company C), and each store uses only the prepaid program issued to its own store. This is an example of accepting payment.

FIG. 13 is a block diagram showing the configuration of the second embodiment of the system of the present invention. The same components as those in the first embodiment are designated by the same reference numerals and the description thereof will be omitted. The prepaid program distribution processing unit 31 of the distribution server 3 has a mechanism for managing a company code attached to each company (store) that handles the prepaid program and a prepaid program purchase site for each company code. The creation processing unit 32 embeds the company code of the company to be used in the prepaid program in addition to the purchase amount, the mobile phone number, and the mobile phone manufacturing number described in the first embodiment, and makes a prepaid unique to each handling company (store). It has the function of creating a program identifier.

The operation of the second embodiment will be described below. The user 1 uses the mobile phone 2 to access the prepaid program purchasing site of the store that desires to purchase the product, and makes a purchase request for the prepaid program. As described above, the program distribution unit 21 of the prepaid program distribution server manages the program purchase site for each handling store, and each purchase site is associated with the company code of the handling store.

Upon receiving the program purchase request, the program distribution processing unit 31 sends the program code to the program creation processing unit 32 in addition to the purchase price, the mobile phone number, and the manufacturing number. The program creation processing unit 32 creates an identifier unique to the program based on these pieces of information and embeds it in the blank prepaid program. Subsequent processing is the same as that of the first embodiment, so description thereof will be omitted.

The process when the user 1 actually purchases the product is the same as that of the first embodiment, except for the method of determining the prepaid program identifier in step 314 shown in FIG. That is, in the second embodiment, a certain algorithm is used to check whether or not there is a contradiction in the prepaid program identifier. In the second embodiment, the retail store POS terminal 4 uses the identifier. After verifying the legitimacy, the company code is calculated from the prepaid program identifier so as to recognize whether this code is the code assigned to the store. Here, if it is not the code of the own store, payment error processing is performed and payment by the prepaid program is rejected.

According to the second embodiment, the user 1 can purchase the prepaid programs separately introduced from the company A by a plurality of stores and use them.

Although the embodiments of the present invention have been described above, the scope of the present invention is not limited to these embodiments, and other modifications can be considered. For example, in the above-described embodiment, the user 1 uses the mobile phone as the user-side terminal, but the prepaid program may be loaded by a general-purpose personal computer and used for payment by online shopping. Although the POS terminal is used as the terminal on the store side, a personal computer or a dedicated reader / writer may also be used.

[0064]

According to the present invention, the mechanism of a prepaid card which has been conventionally used is incorporated into a mobile phone terminal to realize electronic money. , You can purchase products at any time using your mobile phone. Further, in the system of the present invention,
Since the prepaid program can be purchased via the WWW server on the Internet, even if the balance of the prepaid program is insufficient, it is possible to add the amount of money 24 hours a day, anywhere. Further, since the program management processing unit provided in the mobile phone manages and executes a plurality of programs, the management of the programs is easier than that of the prepaid card.

[Brief description of drawings]

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

FIG. 2 is a diagram showing details of elements constituting the prepaid system of the present invention.

FIG. 3 is a flowchart showing an operation when a user purchases a prepaid program in the prepaid system of the present invention.

FIG. 4 is a diagram showing a display screen when purchasing a prepaid program.

FIG. 5 is a flowchart showing a procedure for initializing a prepaid program.

FIG. 6 is a flow chart showing a procedure for purchasing a product using the prepaid system of the present invention.

FIG. 7 is a diagram showing an example of a balance display screen of a user terminal.

FIG. 8 is a diagram showing an example of an error display screen of payment processing by a prepaid program.

FIG. 9 is a diagram showing an example of a payment amount display screen of a user terminal.

FIG. 10 is a diagram showing an example of a display screen of a shop terminal.

FIG. 11 is a diagram showing an example of a payment completion display screen of a user terminal.

FIG. 12 is a diagram showing an example of a payment history display screen of a user terminal.

FIG. 13 is a diagram showing an overall configuration of a prepaid system according to a second embodiment of the present invention.

[Explanation of symbols]

1 user 2 Mobile phone terminals 3 Prepaid program distribution server 4 Prepaid Program Sales Company 5 mobile phone companies 6 Internet network 7 wireless communication network 21 Program storage area 22 Program Management Processing Unit 23 Data storage 24 Wireless communication section 31 Prepaid program distribution processing unit 32 Prepaid program creation processing unit 41 Wireless communication section 42 Payment Processing Department

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Claims (17)

[Claims] 1. A prepaid program sales company, a prepaid program distribution server that distributes a prepaid program sold by the prepaid program sales company to a user terminal via a network, and a prepaid program distribution server from the prepaid program distribution server via the network. A user terminal having a function of storing and executing this prepaid program, and a store-side terminal having a function of receiving the payment of the product price by the prepaid program, the user terminal and the store-side terminal Can communicate with each other, the user terminal and the store side terminal communicate with each other when purchasing a product, and based on the result, the user terminal updates the balance of the prepaid program used for payment, and the store side The terminal is the prepaid professional By performing the receipt processing of the commodity price by Lamb, the commodity price payment system by the prepaid system which is characterized in that the payment of the commodity price. 2. The commodity price payment system according to claim 1, wherein the user terminal is a mobile phone terminal. 3. The commodity price payment system according to claim 1, wherein the store terminal is a POS terminal. 4. The commodity price payment system according to any one of claims 1 to 3, wherein the communication means is a wireless communication means. 5. The commodity price payment system according to any one of claims 1 to 4, wherein the user terminal side displays a history of commodity sales performed between a user and a store by using the prepaid program. A commodity price payment system characterized by having functions. 6. The commodity price payment system according to claim 1, wherein the system further comprises a mobile phone company to which the user subscribes, and between the user and the prepaid program sales company. The payment system for goods according to claim 1, wherein payment for the purchase price of the prepaid program is performed through the mobile phone company. 7. The commodity price payment system according to claim 1, wherein the prepaid program distributed by the prepaid program distribution server has a unique identifier incorporated into the program, and is performed when a product is purchased. A product characterized by performing communication between a user terminal and a store-side terminal and processing performed by the store-side terminal, and / or performing settlement of a prepaid program purchase price at a user and a prepaid program sales company by identifying the identifier. Payment system. 8. A prepaid program sales company sells a prepaid program via a network, and a user purchases this prepaid program via the network and saves it in a terminal owned by the user. Communication is performed between the user terminal and a terminal on the store side that provides the product to update the balance of the prepaid program stored in the user terminal, and the user purchases at the terminal on the store side that provides the product. A payment method for merchandise, characterized in that payment of the merchandise price is performed by receiving payment of the prepaid program for all or part of the merchandise price. 9. The commodity price payment method according to claim 8, wherein an amount equivalent to the price of the commodity purchased by the user is settled between the prepaid program selling company and the store. Product payment method. 10. The commodity price payment method according to claim 8, wherein the prepaid program sales company separately issues a prepaid program to a plurality of stores, and performs the commodity price receipt processing defined in claim 8. A product price payment method characterized in that it is performed separately for each store. 11. The product price payment method according to claim 8, wherein payment for the prepaid program purchased by the user is settled through a mobile phone company used by the user. How to pay for the item. 12. The commodity price payment method according to claim 8, wherein the prepaid program distribution server specifies a prepaid program to be distributed, an identifier unique to the prepaid program to be distributed, and the user terminal. A method for paying the product price, which is characterized in that the information about the purchased amount (payable amount) of the stored program is embedded and distributed. 13. A prepaid program used in the commodity price payment system according to any one of claims 1 to 7 or the commodity price payment method according to any one of claims 8 to 12. 14. The prepaid program according to claim 13, wherein the program is Java (registered trademark).
A prepaid program that is a class file written in a language. 15. The prepaid program according to claim 12 or 13, wherein the program can store prepaid programs issued to a plurality of different stores. 16. The prepaid program according to any one of claims 12 to 14, wherein the prepaid program has a function of managing a history of product sales performed between the user terminal and the retail store terminal. program. 17. A commodity price payment system using the prepaid program according to claim 1.
Alternatively, a program for executing the commodity price payment method using the prepaid program according to any one of claims 13 to 16.