JP2004206509A - System and method of cash payment at checkout counter using portable terminal - Google Patents

System and method of cash payment at checkout counter using portable terminal Download PDF

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Publication number
JP2004206509A
JP2004206509A JP2002376008A JP2002376008A JP2004206509A JP 2004206509 A JP2004206509 A JP 2004206509A JP 2002376008 A JP2002376008 A JP 2002376008A JP 2002376008 A JP2002376008 A JP 2002376008A JP 2004206509 A JP2004206509 A JP 2004206509A
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JP
Japan
Prior art keywords
cash
payment
mobile terminal
financial
information
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Pending
Application number
JP2002376008A
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Japanese (ja)
Inventor
Hisatake Sotokoshi
久丈 外越
Original Assignee
Hisatake Sotokoshi
久丈 外越
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Hisatake Sotokoshi, 久丈 外越 filed Critical Hisatake Sotokoshi
Priority to JP2002376008A priority Critical patent/JP2004206509A/en
Publication of JP2004206509A publication Critical patent/JP2004206509A/en
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Abstract

A cash payment system capable of withdrawing cash using a mobile terminal at a cash register installed in each store such as a retail business without using an automatic transaction device such as an ATM having a cash payment function. I do.
A financial system for providing financial services of the financial institution using the Internet, a mobile terminal of a user capable of communicating with the financial system, and a register device installed in a general store. Wherein the mobile terminal obtains the user's account information from the financial system through the personal authentication process, and determines that the desired amount of money input by the user is within the usage limit. Payment information display means for displaying, on a display unit, payment information including account debit information for debiting the desired amount of receipt from the user's account when the payment is made, a mobile terminal on which the payment information is displayed Is presented, the cash of the desired receiving amount is withdrawn from the cash register device so that the owner of the portable terminal can receive the cash.
[Selection diagram] Fig. 1

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a cash payment system and method that enable a user to receive cash at a cash register in a store without using a cash payment device of a financial institution.
[0002]
[Prior art]
In recent years, various types of terminal devices such as ATMs (Automated Teller Machines), CDs (Cash Automatic Teller Machines), and teller machines that can be debited using IC cards standardized by banks as electronic wallets. Is rapidly progressing. On the other hand, in the retail business such as department stores, supermarkets, convenience stores, etc., a POS (Point Of Sales: point of sale information) system for managing sales has already been constructed, and an IC card reader / writer function is provided in a terminal of the POS system. An electronic money system has been proposed in which an IC card can be purchased using an IC card as an electronic wallet.
[0003]
In the electronic money system, for example, the billed amount calculated by operating the register of the POS terminal is deducted from the electronic money of the IC card, and the usage notice is sent online to the bank computer system. The bank computer system receiving the use notification transfers the notified billing amount from the pool account to the store account, and returns a transfer completion notification to the POS host system. Thereby, the payment of the transaction by the electronic money is completed (for example, see Patent Document 1).
[0004]
By the way, in recent years, so-called “Internet banking” has been realized in which bank services can be received from terminals such as personal computers and mobile phones via the Internet. Internet Banking provides a service for checking the balance of a bank account and requesting transfers and transfers. Users can use the service anywhere in Japan and abroad, without having to go to a bank window or a place where an ATM is installed. (For example, see Non-Patent Document 1).
[0005]
[Patent Document 1]
Japanese Patent Application Laid-Open No. 09-17043 [Non-Patent Document 1]
Disclosure of Internet Banking on the website of Sumitomo Mitsui Banking Corporation: Description of “Service Contents” (list of service contents), [Search on December 13, 2002], Internet <URL: http://www.smbc.co .jp / kojin / direct / service / index.html>
[0006]
[Problems to be solved by the invention]
If the electronic money system as described above becomes widespread, customers (consumers) use an ATM or a CD having a function of writing a value (electronic money) to an IC card, and use the ATM or a CD from a customer account for the IC card. You can withdraw money. However, even if money can be withdrawn, the place of use is limited because of electronic money, not cash. In addition, an ATM or a CD must have a function of writing electronic money, and a terminal of a POS system must have a function of a reader / writer of an IC card, which requires expensive capital investment. Further, some consumers may not like to own an IC card (electronic wallet).
[0007]
On the other hand, a system that provides financial services using the Internet, such as Internet banking, can be used anywhere in Japan and overseas, without having to go to a bank window or a place where an ATM is installed. Although there is an advantage, since it cannot be used as a means for directly withdrawing cash, if you want to withdraw cash from an account of a financial institution, you can use an ATM or CD as before, It was inconvenient without having to use or. Also, when borrowing money using a financial institution that lends credit or consumer finance, etc., although the introduction of cashing by ATM has been progressing, an automatic transaction device for loans has been installed. There were few places and it was very inconvenient.
[0008]
The present invention has been made under the circumstances described above, and an object of the present invention is to provide a mobile terminal at a cash register of each store such as a retail business without using an automatic transaction device such as an ATM having a cash payment function. It is an object of the present invention to provide a cash payment system and method at a cash register using a mobile terminal, which can withdraw cash using the cash register.
[0009]
[Means for Solving the Problems]
The present invention relates to a cash payment system and method at a cash register using a portable terminal. The above object of the present invention relates to the invention of a cash payment system, which provides financial services of the financial institution using the Internet. Financial system, a mobile terminal of a user capable of communicating with the financial system, and a register device installed in a general store, without using the cash payment device of the financial institution, the store A cash payment system in which a user can receive cash at a cash register, wherein the mobile terminal passes the user's account information from the financial system through personal identification processing of a user who owns the mobile terminal. Means for acquiring account information, and the method comprising: determining that the desired amount of money input by the user based on the account information is within the range of a usage limit; Payment information display means for displaying payment information including account debit information for debiting the desired amount of receipt from the user's account on a display unit, by presenting a mobile terminal on which the payment information is displayed. This is achieved by dispensing the desired amount of cash from the cash register device so that the owner of the portable terminal can receive the cash.
[0010]
Further, a part or all of the payment information is displayed as a barcode on the display unit of the mobile terminal, and the barcode is read by the barcode reading means of the register device, whereby the payment information is read from the mobile terminal. Transmitting to the register device; the portable terminal and the register device having infrared communication means using infrared rays; and transmitting the payment information from the portable terminal to the register device by the infrared communication means; A part or all of the information is encrypted and displayed on the display unit of the mobile terminal, and the operator of the register device inputs the encrypted payment information, whereby the payment information is registered from the mobile terminal to the register. Respectively, more effectively achieved.
[0011]
Further, transmitting information related to payment of cash to be paid to a user of the mobile terminal from the mobile terminal or the register device to the financial system, and performing payment by an account transfer process of the financial system; This is more effectively achieved by further including a payment information erasing means for automatically erasing display data of payment information after a predetermined time has elapsed; and that the financial institution includes a consumer finance company.
[0012]
According to the invention of the method, a financial system for providing financial services of the financial institution using the Internet, a portable terminal of a user capable of communicating with the financial system, and a register installed in a general store A cash payment processing method for allowing a user to receive cash at a cash register of the store without using a cash payment device of the financial institution, using the device and the cash terminal. An account information acquiring step of acquiring the user's account information from the financial system through the user's identity authentication processing, and the desired amount of receipt input by the user based on the account information is within a usage limit. Payment information display step of displaying payment information including account debit information for debiting the desired amount of receipt from the user's account when it is determined that Is provided on the portable terminal, and by presenting the portable terminal on which the payment information is displayed, the cash of the desired amount of receipt is withdrawn from the cash register device so that the owner of the portable terminal can receive the cash. Achieved by
[0013]
BEST MODE FOR CARRYING OUT THE INVENTION
According to the present invention, a customer who has contracted with a financial institution that provides financial services using the Internet can use a mobile communication terminal such as a mobile phone to communicate with the host computer of the financial institution via the Internet, for example, personal authentication or account. After checking the balance, a screen such as the account balance is presented to the operator of the POS (Point Of Sales) cash register, and the deposit in the name of the user is paid not from the ATM but from the register device through the cash register operator. It realizes the mechanism of putting out. In addition, available financial institutions are not limited to banks and securities companies that pay out deposits in their own names, but also include loan companies such as consumer finance companies that withdraw loans in their own name, The user can receive the service of paying out at the cash register as long as the user has only contracted with the financial institution.
[0014]
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.
[0015]
FIG. 1 is a schematic diagram illustrating an example of an entire configuration of a cash payment system at a cash register using a mobile terminal according to the present invention. The register device 2 shown in FIG. 1 is a general register device installed in a department store, a supermarket, a convenience store, and the like. In the present invention, the register device 2 already installed in each store is an ATM or a credit terminal. It is used in place of a device having a cash payment function of the financial institution, such as a device. The mobile terminal 1 is a portable user terminal having a mobile communication function such as a mobile phone or a PDA (Personal Digital Assistants), and is used like a cash card used for user authentication, account balance confirmation, and the like. . In the present embodiment, the mobile terminal 1 is connected to a financial system 3 such as net banking via a communication network 5 such as a mobile communication network or the Internet, and communicates with a computer of the financial system 3 based on a personal identification number or the like. Processing such as authentication and balance inquiry based on the account information MD is performed. If it is determined that the desired amount of payment can be paid, the payment information PD is displayed on the display unit of the mobile terminal 1 and cash is paid out through the register device 2 based on the payment information PD. . As a result, there is no need to install an ATM in a convenience store or the like, and costs can be reduced. In addition, the user can withdraw cash even at a store where an automatic transaction device such as an ATM is not installed.
[0016]
The withdrawal of the amount paid out from the register device 2 from the user account can be performed, for example, by deducting the amount paid out to the user from the account of the user's financial institution assuming that the amount paid for the product is the purchase price. Done. Specifically, for example, the bill data CD is transmitted from the register device 2 (POS terminal) to the computer of the financial system 3, and the account transfer process from the user's account to the store's account is performed. This account transfer process uses not the financial system 3 using the Internet but a general electronic payment system 4 such as a bank POS system in which a payment process is performed by online connection between a POS terminal and an accounting system of a financial institution. May be performed.
[0017]
Next, the configuration of the mobile terminal 1 will be described. FIG. 2 shows an example of a configuration of a main part of the portable terminal 1 according to the present invention. Each of the units 11 to 15 controlled under the control unit 10a of the mobile terminal 1 is realized by a computer program executed by the CPU. It should be noted that a form in which some functions are realized by hardware is also included in the present invention. The main configuration of the mobile terminal 1 is an account that performs personal authentication processing of a user (a financial service recipient) who has contracted with the financial system 3 and obtains user account information from a computer of the financial system 3. The information acquisition means 11 determines whether the desired amount of money input by the user is within the range of the usage limit, and if the amount is within the range, debits the desired amount of money from the account. And payment information display means 12 for displaying payment information including account debit information on a display unit. The personal authentication performed by the account information acquisition unit 11 is performed by collation of one or a plurality of personal identification numbers managed by the financial system 3, collation of account information including a login ID (user ID) / password, and the like.
[0018]
In the configuration example of FIG. 2, further, a payment information erasing unit 13 for erasing the image data of the payment information displayed by the payment information display unit 12, a payment information transmitting unit 14 for transmitting the payment information to the register device 2, Transaction information recording means 15 for storing a history of transaction contents by payment. These means 13, 14, and 15 are additional means mainly for preventing fraudulent acts, and the present invention can be realized without mounting. The payment information erasing means 13 is a means for preventing fraudulent acts by redisplaying the screen of the payment information by, for example, a third party. Automatic erasure is performed after a predetermined time has elapsed. Further, by providing the payment information transmitting means 14 and automating the manual input operation of the account debit information and the like by the cashier operator, fraudulent acts on the store side can be prevented. Further, the transaction information recording means 15 is used as a means for checking a limit that can be deducted in one day based on a history of transaction contents and prohibiting payment exceeding the limit.
[0019]
Next, a description will be given of a mode in which information necessary for withdrawal of cash, account transfer, and the like is transmitted from the portable terminal 1 to the register device 2 side.
[0020]
As described above, the payment information display means 12 of the mobile terminal 1 displays payment information including account debit information for debiting the desired amount of receipt on the display unit. Information required on the register device 2 side may be input from the register device 2. That is, the operator of the cash register 2 looks at the debit information displayed on the display unit of the mobile terminal 1 and inputs information necessary for account transfer and the like from the cash register 2. In such a manual input mode, it is not necessary to provide the register device 2 with a new function. In this case, if the register device 2 has the password input means, the password is debited from the account of the financial institution after authentication of the password input by the user using the password input means. Good. However. In order to prevent the operator of the register device 2 from recognizing confidential information such as a password, assuming the register device 2 having no password input means, account debit information including a password input from the mobile terminal 1. It is preferable to display a part or all of the data encrypted. In this case, the encrypted account debit information is decrypted in the register device 2, the financial system 3, or the electronic settlement system 4, and a settlement process such as account debit is performed through a password authentication process.
[0021]
Further, the information of the portable terminal 1 may be transmitted to the register device 2 side. Information can be transmitted to the register device using, for example, a barcode reading unit of the register device 2. That is, necessary information such as debit information is displayed as a one-dimensional or two-dimensional bar code on the display unit of the mobile terminal 1, and the bar code reader of the register device 2 reads the bar code. The data is transmitted from the portable terminal 1 to the register device 2.
[0022]
As another form, a form in which the payment information transmitting means 14 described above is provided and information is transmitted from the portable terminal 1 to the register device 2 is assumed. In this case, if the portable terminal 1 and the register device 2 include infrared communication means using infrared rays, necessary information such as debit information is transmitted from the portable terminal 1 to the register device 2 using the infrared communication means. be able to. Note that the information to be transmitted to the register device 2 includes the date and time when the account information was obtained and the telephone number for identifying the owner of the mobile terminal. For example, the date and time when the account information was obtained and the date and time of the register device 2 were compared. It is determined by the register device 2 as an element of the cash withdrawal condition as a component of the cash withdrawal condition, or collated with the telephone number of the mobile terminal 1 registered in the financial system 3 by the identity of the owner of the mobile terminal 1 Authentication may be performed. The personal authentication process using the telephone number may be performed by the account information acquisition unit of the mobile terminal 1.
[0023]
In the configuration as described above, an operation example of the mobile terminal and a process until the user receives cash at the cash register will be described with reference to the flow chart of FIG. Here, a case where the personal identification number of the account is input on the portable terminal side will be described as an example.
[0024]
A user who has contracted with the financial institution can withdraw cash using the mobile terminal 1 at a store where the register device 2 is installed without using a bank ATM or a loan ATM. Can be. The user first selects an item of cash withdrawal at a cash register from a menu displayed on the display unit of the mobile terminal 1. The account information acquisition means 11 of the mobile terminal 1 displays a screen for prompting the user to enter information such as account information for accessing the financial system 3, an account number of the account for withdrawing cash, a password, and a desired amount of money to be received. . When necessary information is input (step S1), the account information acquisition unit 11 accesses a website of the financial system 3 and performs user authentication processing based on account information and the like (step S2). The user's account information is acquired from (step S3). Subsequently, based on the acquired account information, it is determined whether or not the desired amount of money to be received is within the range of the usage limit (step S4). Then, the user is prompted to re-enter or cancel the desired amount of receipt (step S5). The range of the usage limit here means the limit that can be paid at the POS cash register, such as the payment limit based on the account balance, the single payment limit, and the payment limit that can be traded in one day. Say the amount. The determination processing of the limit may be performed on the financial system 3 side instead of the mobile terminal 1 side.
[0025]
The payment information display means 12 displays the payment information including the account debit information for debiting the desired amount of receipt from the account on the display unit of the portable terminal 1 if the desired amount of receipt is within the range of the usage limit ( Step S6). The user presents the mobile terminal 1 on which the payment information is displayed to the cashier operator (clerk) (step S7). The operator looks at the payment information displayed on the mobile terminal 1 and inputs necessary information such as debit information by operating the register device 2 (step S8). Note that this input operation is not necessary in the form in which the above-described bar code is displayed and read, or in the form having the payment information transmitting means. Upon completion of the input, the cashier operator returns the portable terminal 1 to the user, withdraws the desired amount of cash from the register device 2 and passes the cash together with the receipt to the user (step S9). The mobile terminal 1 automatically deletes the image data of the payment information after a predetermined time has elapsed since the display of the payment information, and ends the processing. In the form of the immediate settlement, information such as the account transfer is transmitted in real time from the register device 2 to the computer of the financial system 3 (or the electronic settlement system 4), and the account transfer from the user's account to the account of the store concerned. Is performed. In this form of immediate settlement, for example, cash is delivered after the completion of the account transfer process.
[0026]
In the above-described embodiment, the case where the payment processing is performed on the POS cash register side has been described as an example. However, the account transfer processing is first performed between the mobile terminal and a financial system such as Internet banking, and the account is stored in the store. After the transfer, cash may be withdrawn from the cash register and paid.
[0027]
【The invention's effect】
As described above, according to the present invention, it is possible to withdraw cash using a mobile terminal at a cash register of each store such as a retail business without using an automatic transaction device such as an ATM having a cash payment function. It becomes. Therefore, the user can withdraw cash even in a store where an automatic transaction device such as an ATM is not installed. It is also possible to withdraw cash without having to own a card or an electronic wallet of a financial institution. Furthermore, expensive capital investment such as installing an ATM or electronic money device in a store is not required.
[Brief description of the drawings]
FIG. 1 is a schematic diagram showing an example of an overall configuration of a cash payment system at a cash register using a mobile terminal according to the present invention.
FIG. 2 is a block diagram showing an example of a configuration of a main part of the portable terminal according to the present invention.
FIG. 3 is a flowchart for explaining an operation example of the mobile terminal according to the present invention and a process until a user receives cash at a cash register.
[Explanation of symbols]
1 mobile communication terminals (mobile terminals)
2 Register device (POS terminal)
3 Financial system (Internet bank, etc.)
4 Electronic payment system 5 Communication network 11 Account information acquisition means 12 Payment information display means 13 Payment information erasing means 14 Payment information transmission means 15 Transaction information recording means

Claims (8)

  1. The financial system comprises a financial system that provides financial services of the financial institution using the Internet, a mobile terminal of a user capable of communicating with the financial system, and a register device installed in a general store. A cash payment system in which a user can receive cash at a cash register of the store without using a cash payment device of an institution, wherein the mobile terminal is a personal authentication process of a user who owns the mobile terminal. An account information acquisition means for acquiring the user's account information from the financial system via the financial system; and Payment information display means for displaying payment information including account debit information for debiting the desired amount of money received from the user's account on a display unit, wherein the payment information is By presenting the indicated mobile terminal, at the cash register using the mobile terminal, the owner of the mobile terminal can withdraw the desired amount of cash from the cash register device and receive the cash. Cash payment system.
  2. A part or all of the payment information is displayed as a bar code on the display unit of the mobile terminal, and the bar code is read by the bar code reading means of the cash register. The cash payment system at a cash register using the mobile terminal according to claim 1, wherein the cash is transmitted to a cashier.
  3. 2. The mobile phone according to claim 1, wherein the mobile terminal and the cash register have infrared communication means using infrared light, and the payment information is transmitted from the mobile terminal to the cash register by the infrared communication means. Cash payment system at a cash register using a terminal.
  4. A part or all of the payment information is encrypted and displayed on the display unit of the mobile terminal, and the operator of the cash register device inputs the encrypted payment information, whereby the payment information is stored in the mobile terminal. 2. The cash payment system at a cash register using a portable terminal according to claim 1, wherein the cash payment system is configured to transmit the data to the cash register device.
  5. 5. The system according to claim 1, wherein information related to payment of cash to be paid to a user of the mobile terminal is transmitted from the mobile terminal or the register device to the financial system, and payment is performed by an account transfer process of the financial system. A cash payment system at a cash register using the mobile terminal according to any one of the above.
  6. The cash payment system at a cash register using a mobile terminal according to any one of claims 1 to 5, wherein the mobile terminal further comprises payment information erasing means for automatically deleting display data of the payment information after a predetermined time has elapsed.
  7. The cash payment system at a cash register using a mobile terminal according to any one of claims 1 to 6, wherein the financial institution includes a consumer finance company.
  8. Using a financial system that provides financial services of the financial institution using the Internet, a portable terminal of a user capable of communicating with the financial system, and a register device installed in a general store, A cash payment processing method for allowing a user to receive cash at a cash register of the store without using a cash payment device of a financial institution, wherein the personal authentication processing of a user who owns the mobile terminal is performed. An account information obtaining step of obtaining the user's account information from the financial system via the financial system; and A payment information display step of displaying payment information including account debit information for debiting the desired amount of receipt from a user's account on a display unit, the mobile terminal comprises: By presenting the mobile terminal on which the payment information is displayed, the cash amount of the desired amount is withdrawn from the cash register device so that the owner of the mobile terminal can receive the cash. Cash payment processing method at the cash register that was.
JP2002376008A 2002-12-26 2002-12-26 System and method of cash payment at checkout counter using portable terminal Pending JP2004206509A (en)

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JP2002376008A JP2004206509A (en) 2002-12-26 2002-12-26 System and method of cash payment at checkout counter using portable terminal

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2013257736A (en) * 2012-06-13 2013-12-26 Casio Comput Co Ltd Customer service management device, and customer service management system and program
JP2014508338A (en) * 2010-12-23 2014-04-03 ペイダイアント,インコーポレイテッド ATM processing method and system for mobile phone

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2014508338A (en) * 2010-12-23 2014-04-03 ペイダイアント,インコーポレイテッド ATM processing method and system for mobile phone
JP2013257736A (en) * 2012-06-13 2013-12-26 Casio Comput Co Ltd Customer service management device, and customer service management system and program

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