JP2004280842A - Coupon processing system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a payment system which enables easy payment, for example, of an expense using a personal digital assistant or the like. <P>SOLUTION: A personal digital assistant 1 is connected to an authentication server 22 via the Internet 4, requests the return of barcode information, and then receives the barcode information. The personal digital assistant 1 displays a barcode pattern on a display. A POS register 32 reads this barcode pattern via a barcode reader 31, and supplies the obtained barcode information to a payment controller 33. The payment controller 33 is connected to a payment server 24 via a dedicated line 5 to obtain payment information. The POS register 32 calculates an amount claimed in accordance with the payment information obtained via the payment controller 33. The POS register 32 inputs the amount of money received from a user, and then issues a receipt on which the payment information is printed. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a coupon processing system and a membership card processing system using a portable information terminal or the like.

2. Description of the Related Art In recent years, with the spread of the Internet and the like (increase in usage), various services via a network can be used using a computer terminal or the like owned by a user. Above all, online shopping is used by many users because it is faster to post new products and easier to apply for than online shopping using conventional catalogs and the like.
In recent online shopping, not only products but also digital contents such as software can be purchased online, and new demand growth is expected.

On the other hand, coupons and the like are used in general commercial transactions to expand sales and the like. The coupon is delivered to a user by being attached to a newspaper advertisement or the like or distributed at a store or the like. The user brings the acquired coupon to the target store and submits it at the time of accounting, so that the user can purchase a product or the like at a price after subtracting a predetermined discount. There is also known a system that deals with such coupons in the form of information (for example, see Patent Document 1).
JP-A-07-334590 (page 5-9, FIG. 3)

  There is also known a service system for recruiting store members who can use a predetermined privilege and distributing a membership card to each member. The member (user) can obtain points and the like according to the purchase amount by presenting the membership card at the target store and purchasing the product.

Electronic money and the like have recently attracted attention for payment in the online shopping described above, but credit cards and the like are still generally used.
For example, a user transmits information such as a card number and a personal identification number to an online shopping site when purchasing a product or the like. When transmitting such a card number or the like over an open network such as the Internet, the information is transmitted after being encrypted, etc., in order to prevent data theft and data tampering during the transmission. ing.
However, even if such encryption or the like is performed on the card number or the like, it is difficult to realize the vague fear that the transmitted data may be stolen or the amount debited from the user's account at the time of payment with the card. Such anxiety remains in the user. Such anxiety has reduced users' willingness to purchase and has hindered the development of cyber businesses represented by online shopping.

In addition, if payment for online shopping is limited to credit cards, sales of digital content for children under the age of 18, who are not eligible for credit, for example, for elementary and junior high school students, etc. There were drawbacks that the business field was limited, such as the prospects could not be expected much.
That is, there has been a problem in that a settlement means that anyone can safely and easily pay for online shopping has not been established.

On the other hand, commercial transactions using coupons and the like are effective in increasing customers' motivation to purchase, but it is possible to identify users (customers) and easily grasp the trends of customers using the coupons and the like. Can not. That is, even if a coupon is simply distributed to the user, it is difficult to collect the usage history of each customer, so that the customer's purchase status and the effects of the distribution of the coupon can be properly grasped. I couldn't.
Also, from the viewpoint of the user, there is a problem that unless many coupons and membership cards are carried at all times, the merits such as discount and point addition cannot be enjoyed.

  The present invention has been made in view of the above situation, and has as its object to provide a coupon processing system and a membership card processing system that can easily perform various processes using a portable information terminal or the like.

In order to achieve the above object, a coupon processing system according to a first aspect of the present invention includes:
A portable terminal device that receives the coupon information and displays the code pattern, a server that holds the coupon information and transmits the coupon information to the portable terminal device, a code pattern is read, and the coupon information is read based on the read code pattern. A coupon processing system for decrypting
A coupon information transmitting unit that reads target coupon information from the held coupon information based on the coupon request information transmitted from the mobile terminal device and transmits the coupon information to the mobile terminal device;
Coupon information acquisition means for acquiring coupon information transmitted by the coupon information transmission means,
Code conversion means for converting the coupon information obtained by the coupon information obtaining means into code information defining a code pattern,
Pattern display means for displaying a code pattern, based on the code information converted by the code conversion means,
Coupon information decoding means for reading the code pattern displayed by the pattern display means and decoding the coupon information,
Is provided so that a coupon process is performed.

  According to the present invention, the coupon information transmitting means reads target coupon information from the held coupon information based on the coupon request information transmitted from the mobile terminal device, and transmits the coupon information to the mobile terminal device. The coupon information acquisition means acquires the coupon information transmitted by the coupon information transmission means. The code conversion means converts the coupon information acquired by the coupon information acquisition means into code information defining a code pattern. The pattern display means displays a code pattern based on the code information converted by the code conversion means. The coupon information decoding means reads the code pattern displayed by the pattern display means and decodes the coupon information. As a result, coupon processing can be easily performed using a portable information terminal or the like.

To achieve the above object, a coupon processing system according to a second aspect of the present invention comprises:
A portable terminal device that displays a code pattern, a server that holds coupon information and transmits code information corresponding to the coupon information to the portable terminal device, reads a code pattern, and acquires coupon information based on the read code pattern A coupon processing system,
Coupon information storage means for storing coupon information together with a coupon management number for specifying the coupon information;
Code conversion means for reading a coupon management number based on the coupon request information transmitted from the mobile terminal device, and converting the coupon management number into code information defining a code pattern,
Code information transmitting means for transmitting the code information converted by the code converting means to a portable terminal device,
Pattern display means for acquiring the code information and displaying a code pattern based on the code information;
Code information decoding means for reading the code pattern displayed by the pattern display means and decoding the code information,
Coupon information acquisition means for acquiring a coupon management number from the code information decoded by the code information decoding means, and acquiring coupon information stored in the coupon information storage means specified by the coupon management number,
It is characterized by having.

  According to this invention, the coupon information storage means stores the coupon information together with the coupon management number for specifying the coupon information. The code conversion unit reads the coupon management number based on the coupon request information transmitted from the mobile terminal device, and converts the coupon management number into code information that defines a code pattern. The code information transmitting means transmits the code information converted by the code converting means to the portable terminal device. The pattern display means acquires the code information and displays a code pattern based on the code information. The code information decoding means reads the code pattern displayed by the pattern display means and decodes the code information. The coupon information obtaining means obtains a coupon management number from the code information decoded by the code information decoding means, and obtains coupon information stored in the coupon information storage means specified by the coupon management number. As a result, coupon processing can be easily performed using a portable information terminal or the like.

In order to achieve the above object, a membership card system according to a third aspect of the present invention includes:
A portable terminal device that receives the membership card information and displays the code pattern, a server that holds the membership card information and transmits the membership card information to the portable terminal device, reads the code pattern, and reads the code pattern based on the read code pattern. A membership card processing system for decrypting membership card information by
Based on the membership card request information transmitted from the mobile terminal device, a membership card information transmitting unit that reads out the target membership card information from the held membership card information and transmits the membership card information to the mobile terminal device,
Membership card information acquisition means for acquiring the membership card information transmitted by the membership card information transmission means,
Code conversion means for converting the membership card information acquired by the membership card information acquisition means to code information defining a code pattern,
Pattern display means for displaying a code pattern, based on the code information converted by the code conversion means,
Reading the code pattern displayed by the pattern display means, membership card information decoding means for decoding membership card information,
Is provided to perform the membership card processing.

  According to the present invention, the membership card information transmitting means reads out the target membership card information from the held membership card information based on the membership card request information transmitted from the portable terminal apparatus, and transmits the read membership card information to the portable terminal apparatus. . The membership card information acquiring means acquires the membership card information transmitted by the membership card information transmitting means. The code conversion means converts the membership card information acquired by the membership card information acquisition means into code information defining a code pattern. The pattern display means displays a code pattern based on the code information converted by the code conversion means. The membership card information decoding means reads the code pattern displayed by the pattern display means and decodes the membership card information. As a result, membership card processing can be easily performed using a portable information terminal or the like.

In order to achieve the above object, a membership card processing system according to a fourth aspect of the present invention includes:
A portable terminal device that displays the code pattern, a server that holds the membership card information and transmits code information corresponding to the membership card information to the portable terminal device, reads the code pattern, and reads the membership card based on the read code pattern. A membership card processing system for acquiring information,
Membership card information storage means for storing the membership card information together with a membership card management number for specifying the membership card information,
Code conversion means for reading the membership card management number based on the membership card request information transmitted from the mobile terminal device, and converting the membership card management number into code information defining a code pattern,
Code information transmitting means for transmitting the code information converted by the code converting means to a portable terminal device,
Pattern display means for acquiring the code information and displaying a code pattern based on the code information;
Code information decoding means for reading the code pattern displayed by the pattern display means and decoding the code information,
A membership card information acquisition unit that acquires a membership card management number from the code information decoded by the code information decoding unit, and acquires the membership card information stored in the membership card information storage unit specified by the membership card management number. ,
It is characterized by having.

  According to the present invention, the membership card information storage means stores the membership card information together with the membership card management number for specifying the membership card information. The code conversion unit reads out the membership card management number based on the membership card request information transmitted from the mobile terminal device, and converts the membership card management number into code information that defines a code pattern. The code information transmitting means transmits the code information converted by the code converting means to the portable terminal device. The pattern display means acquires the code information and displays a code pattern based on the code information. The code information decoding means reads the code pattern displayed by the pattern display means and decodes the code information. The membership card information acquiring means acquires the membership card management number from the code information decoded by the code information decoding means, and acquires the membership card information stored in the membership card information storage means specified by the membership card management number. As a result, membership card processing can be easily performed using a portable information terminal or the like.

  According to the present invention, various processes can be easily performed using a portable information terminal or the like.

  A payment system according to an embodiment of the present invention will be described below with reference to the drawings.

(Embodiment 1)
FIG. 1 is a schematic diagram showing an example of a settlement system applied to the first embodiment of the present invention. This system includes a portable information terminal 1, an online service site 2, and an affiliated store 3. The portable information terminal 1 and the online service site 2 are connected via the Internet 4, and the online service site 2 and the affiliated store 3 are connected via a dedicated line 5. In this case, the online service site 2 and the affiliated store 3 may be connected via the Internet 4 or the like.

The portable information terminal 1 includes a mobile phone, a PDA (Personal Digital Assistants) terminal, a notebook / book type computer terminal, or the like. Note that the portable information terminal 1 will be described below using a mobile phone as shown in FIG. 2 as an example.
As shown in FIG. 2, the portable information terminal 1 includes a display 11 and a numeric keypad 12.

  The display 11 is composed of, for example, a liquid crystal panel and the like, and not only displays a predetermined menu screen, but also displays a predetermined barcode pattern in accordance with barcode information described later transmitted from the online service site 2.

  The ten keys 12 are used to input instruction information and the like from the user. For example, the ten key 12 inputs a user ID, a password, and the like in accordance with a user operation when the portable information terminal 1 connects to the online service site 2.

  Returning to FIG. 1, the online service site 2 includes an online shop 21, an authentication server 22, a barcode conversion unit 23, and a settlement server 24.

  The online shop 21 includes, for example, an HTML (Hyper Text Markup Language) file, an HDML (Handheld Device Markup Language) file, an XML (Extensible Markup Language) file, image information, and the like, which constitute a homepage (Web page) representing a predetermined virtual store. Is connected to the portable information terminal 1 via the authentication server 22. Note that the portable information terminal 1 may be connected to the online shop 21 or the like via a carrier network.

The authentication server 22 includes, for example, a general-purpose workstation including a communication control device and a magnetic storage device, and is connected to the portable information terminal 1 via the Internet 4.
In addition, the authentication server 22 previously stores user-specific information as shown in FIG. 3 in the magnetic storage device provided. The user specific information shown in FIG. 3 is various information for specifying a user including a user ID, a password, a user name, an address, and the like.

  Returning to FIG. 1, the barcode conversion unit 23 converts payment confirmation information, which will be described later, provided from the payment server 24 into barcode information that defines a predetermined barcode pattern, and converts the converted barcode information to the payment server. 24. The format of the barcode pattern defined by the barcode information is arbitrary, such as JAN (Japanese Article Number), CODE39, NW-7, two-dimensional code (two-dimensional barcode), and character code.

The settlement server 24 includes, for example, a general-purpose workstation including a communication control device and a magnetic storage device, and is connected to the affiliated store 3 via the dedicated line 5.
Further, the payment server 24 stores the payment information as shown in FIG. 4 generated in a payment information generation process described later in the magnetic storage device provided. The payment information shown in FIG. 4 is various information for specifying the purchased user and the purchased product including the payment management number, the user ID, the user name, the product number, the unit price, the number, and the like.
It should be noted that the settlement information shown in FIG. 4 may include information generated in a normal commercial transaction such as a discount amount.

  Returning to FIG. 1, the affiliated store 3 is a store such as a convenience store, a family restaurant, a gas station, etc., which is affiliated with the online service site 2 in advance, and includes a barcode reader 31, a POS register 32, a payment controller 33, , And a connection destination storage unit 34.

  The barcode reader 31 is connected to the POS register 32 in advance, and irradiates, for example, an LED (Light Emitting Diode) light as a light source to the barcode pattern, and receives the reflected light with a CCD (Charge Coupled Device) image sensor. Thus, barcode pattern information is obtained. Then, the obtained barcode pattern information is decoded into barcode information by a decoding circuit, and the decoded barcode information is supplied to the connected POS register 32.

  The POS (Point Of Sales) register 32 is a terminal provided at the affiliated store 3 for managing point-of-sale information, and supplies the barcode information acquired via the connected barcode reader 31 to the settlement controller 33.

  The payment controller 33 includes a predetermined store controller and the like, and is connected to the payment server 24 via the dedicated line 5. The payment controller 33 supplies the barcode information sent from the POS register 32 to the payment server 24. Further, the payment controller 33 acquires the settlement information sent from the settlement server 24, and supplies the acquired settlement information to the POS register 32.

  The connection destination storage unit 34 stores connection destination information as shown in FIG. 5 in advance. The connection destination information shown in FIG. 5 is information including a payment server ID and a connection destination number via the dedicated line 5 to the payment server 24 corresponding to the payment server ID.

Hereinafter, a payment information generation process and a payment process in the payment system according to the first embodiment will be described.
First, the payment information generation process will be described with reference to FIG. FIG. 6 is a flowchart for explaining the payment information generation processing. The payment information generation process shown in FIG. 6 starts when the user operates the portable information terminal 1 to access the online service site 2 via the Internet 4.

  First, the portable information terminal 1 connects to the authentication server 22 via the Internet 4 according to a user operation (step S11).

  The portable information terminal 1 transmits the user ID and the password input by the user from the numeric keypad 12, and logs in to the online shop 21 (step S12). After login, the portable information terminal 1 displays a list of products and the like in the virtual shop of the online shop 21 on the display 11.

  The portable information terminal 1 generates purchase request information 101 as shown in FIG. 7A when a user inputs a code or the like of a product or the like desired to be purchased from, for example, the ten keys 12, and generates the generated purchase request information. 101 is transmitted to the online shop 21 (step S13).

  After performing a predetermined validity check on the received purchase request information 101, the online shop 21 of the online service site 2 supplies the received purchase request information 101 to the authentication server 22 (step S21).

  Upon acquiring the purchase request information 101, the authentication server 22 acquires a corresponding user ID or the like from the user-specific information shown in FIG. 3 and generates purchase information 102 as shown in FIG. 7B (step S22). ). The authentication server 22 supplies the generated purchase information 102 to the settlement server 24.

  Upon acquiring the purchase information 102, the payment server 24 adds the payment management number assigned from a predetermined numbering counter, and then stores it as one statement of the payment information in a magnetic storage device (not shown) as shown in FIG. (Step S23).

  Further, the settlement server 24 transmits the currently assigned settlement management number to the portable information terminal 1 via the authentication server 22 (step S24).

The portable information terminal 1 displays the received payment management number on the display 11 (step S14).
As a result, the payment server 24 stores the payment information that can be specified by the payment management number, and the mobile information terminal 1 is notified of the payment management number from the online service site 2.

  Next, the settlement process will be described with reference to FIG. FIG. 8 is a flowchart for explaining the settlement processing. The payment processing shown in FIG. 8 is performed when the user operates the portable information terminal 1 to access the online service site 2 via the Internet 4 after performing the above-described payment information generation processing shown in FIG. Start.

  First, the portable information terminal 1 connects to the authentication server 22 via the Internet 4 according to a user's operation (step S31).

  The portable information terminal 1 generates payment request information 103 as shown in FIG. 9A from the payment management number or the like input from the numeric keypad 12 by the user, and transmits the generated payment request information 103 to the authentication server 22. (Step S32).

  Upon receiving the payment request information 103, the authentication server 22 of the online service site 2 checks the user ID and the password, and then supplies the payment management number and the user ID included in the payment request information 103 to the payment server 24 ( Step S41).

  When the payment server 24 confirms that the acquired payment management number and user ID are included in the payment information shown in FIG. 4, the payment server 24 generates payment confirmation information 104 as shown in FIG. 9B (step S42). . When the payment server 24 determines that the acquired payment management number and user ID are not included in the payment information, the payment server 24 transmits a predetermined error message to the portable information terminal 1 and ends the process.

  The payment server 24 converts the generated payment confirmation information 104 into barcode information using the barcode conversion unit 23 (step S43). The barcode information is information that defines a barcode pattern for representing the payment confirmation information 104.

  The settlement server 24 transmits the converted barcode information to the portable information terminal 1 via the authentication server 22 (Step S44).

  Upon receiving the barcode information sent from the authentication server 22, the portable information terminal 1 displays the barcode pattern 105 on the display 11 as shown in FIG. 9C (step S33). When displaying the barcode pattern 105, the portable information terminal 1 adjusts the display position on the display 11, the display brightness, deletes unnecessary information, and the like. 105 is easily read.

  The POS register 32 of the affiliated store 3 reads the barcode pattern 105 displayed on the display 11 via the barcode reader 31, and acquires the payment confirmation information 104 decoded by the barcode reader 31 (step S51). The POS register 32 supplies the acquired payment confirmation information 104 to the payment controller 33.

  When the payment controller 33 acquires the payment confirmation information 104, the payment controller 33 refers to the connection destination information shown in FIG. 5 stored in the connection destination storage unit 34 and sends to the payment server 24 determined according to the payment server ID via the dedicated line 5. Connection is made (step S52).

  The settlement controller 33 transmits the settlement management number and the user ID to the settlement server 24 (Step S53).

  When receiving the payment management number and the user ID (step S45), the payment server 24 confirms that the received payment management number and user ID are included in the payment information shown in FIG. When the payment server 24 determines that the acquired payment management number and user ID are not included in the payment information, the payment server 24 transmits a predetermined error message to the payment controller 33 and ends the process.

  The payment server 24 extracts the payment information details 106 as illustrated in FIG. 9D from the payment information illustrated in FIG. 4 and transmits the extracted payment information details 106 to the payment controller 33 (Step S46).

  The payment controller 33 supplies the received payment information details 106 to the POS register 32 (Step S54).

  When the POS register 32 acquires the payment information details 106, the POS register 32 calculates a billing amount from the unit price and the number, and displays the calculated billing amount on a predetermined screen (step S55).

Upon input of the amount received from the user, the POS register 32 issues a receipt on which the payment information statement 106 is printed (step S56).
In addition, the POS register 32 totals the amount (storage amount) received from each user at a predetermined timing, and remits the total storage amount to the online service site 2.
As a result, payment for online shopping and the like can be performed safely and easily using the portable information terminal 1.

In the above-described first embodiment, the barcode pattern is displayed on the display 11 of the portable information terminal 1. However, if the barcode pattern cannot be displayed due to the restrictions of the display elements or the like constituting the display 11, other operations are performed. The barcode pattern may be displayed or printed on the medium described above.
Hereinafter, a payment system according to a second embodiment of the present invention for printing a barcode pattern on a facsimile machine provided in an affiliated store 3 will be described with reference to the drawings.

  FIG. 10 is a schematic diagram illustrating an example of a settlement system applied to the second embodiment of the present invention. This system includes a portable information terminal 1, an online service site 2, and an affiliated store 3. The portable information terminal 1 and the online service site 2 are connected via the Internet 4, and the online service site 2 and the affiliated store 3 are connected via the dedicated line 5 and the telephone line 6. .

  The configurations and the like of the portable information terminal 1, the Internet 4, and the dedicated line 5 are the same as those in the first embodiment.

The online service site 2 includes an online shop 21, an authentication server 22, a barcode conversion unit 23, a payment server 24, and a facsimile transmission unit 125.
The configurations and the like of the online shop 21, the authentication server 22, the barcode conversion unit 23, and the settlement server 24 are the same as those in the first embodiment.

  The facsimile transmission unit 125 is composed of a predetermined facsimile-compatible modem or the like, and transmits a predetermined barcode pattern or the like to the facsimile apparatus 135 via the telephone line 6 according to the barcode information supplied from the settlement server 24.

The affiliated store 3 includes a barcode reader 31, a POS register 32, a payment controller 33, a connection destination storage unit 34, and a facsimile machine 135.
The configurations and the like of the barcode reader 31, the POS register 32, the payment controller 33, and the connection destination storage unit 34 are the same as those in the first embodiment.

  The facsimile apparatus 135 restores the barcode information and the like transmitted from the facsimile transmission unit 125 via the telephone line 6, and prints an image including a predetermined barcode pattern.

  Hereinafter, a payment process in the payment system according to the second embodiment will be described with reference to FIG. FIG. 11 is a flowchart for explaining the settlement processing. The payment processing shown in FIG. 11 is performed when the user operates the portable information terminal 1 to access the online service site 2 via the Internet 4 after performing the payment information generation processing shown in FIG. Start.

First, the portable information terminal 1 connects to the authentication server 22 via the Internet 4 according to the operation of the user (step S61).
The portable information terminal 1 generates payment request information 201 as shown in FIG. 12A from a payment management number or the like input from the numeric keypad 12 by a user, and transmits the generated payment request information 201 to the authentication server 22. (Step S62).

Upon receiving the payment request information 201, the authentication server 22 of the online service site 2 checks the user ID and the password, and then supplies the payment management number, the user ID, and the facsimile number to the payment server 24 (step S71). .
When the payment server 24 confirms that the acquired payment management number and user ID are included in the payment information shown in FIG. 4, the payment server 24 generates payment confirmation information 202 as shown in FIG. 12B (step S72). . When the payment server 24 determines that the acquired payment management number and user ID are not included in the payment information, the payment server 24 transmits a predetermined error message to the portable information terminal 1 and ends the process.

The payment server 24 converts the generated payment confirmation information 202 into barcode information using the barcode conversion unit 23 (Step S73). The barcode information is information that defines a barcode pattern for representing the payment confirmation information 202.
The settlement server 24 supplies the converted barcode information and the facsimile number to the facsimile transmission unit 125 (Step S74).

  The facsimile transmitting unit 125 transmits barcode information and the like to the facsimile apparatus 135 via the telephone line 6 according to the obtained facsimile number (step S75).

  Upon receiving the barcode information and the like, the facsimile apparatus 135 of the affiliated store 3 prints an image including the barcode pattern 203 on a predetermined sheet as shown in FIG. 12C (step S81).

The POS register 32 reads the barcode pattern 203 printed on a predetermined sheet via the barcode reader 31 and acquires the payment confirmation information 202 decoded by the barcode reader 31 (step S82). The POS register 32 supplies the acquired payment confirmation information 202 to the payment controller 33.
Upon acquiring the payment confirmation information 202, the payment controller 33 refers to the connection destination information shown in FIG. 5 stored in the connection destination storage unit 34, and transmits to the payment server 24 determined according to the payment server ID via the dedicated line 5. Connection is made (step S83).
The settlement controller 33 transmits the settlement management number and the user ID to the settlement server 24 (Step S84).

When receiving the payment management number and the user ID (step S76), the payment server 24 confirms that the received payment management number and user ID are included in the payment information shown in FIG. When the payment server 24 determines that the acquired payment management number and user ID are not included in the payment information, the payment server 24 transmits a predetermined error message to the payment controller 33 and ends the process.
The payment server 24 extracts the payment information details 204 as shown in FIG. 12D from the payment information shown in FIG. 4, and transmits the extracted payment information details 204 to the payment controller 33 (step S77).

The payment controller 33 supplies the received payment information details 204 to the POS register 32 (Step S85).
When the POS register 32 acquires the payment information details 204, the POS register 32 calculates a billing amount from the unit price and the number, and displays the calculated billing amount on a predetermined screen (step S86).

When the POS register 32 inputs the amount received from the user, the POS register 32 issues a receipt on which the payment information statement 204 is printed (step S87).
As a result, payment for online shopping and the like can be performed safely and easily using the portable information terminal 1.

  In the above-described second embodiment, the barcode pattern is printed on the facsimile device 135 provided in the affiliated store 3. However, when the facsimile device is not provided in the affiliated store 3, the barcode pattern is printed on another medium. A barcode pattern may be displayed. Hereinafter, a payment system according to a third embodiment of the present invention for printing a barcode pattern on a printer provided at the online service site 2 will be described with reference to the drawings.

  FIG. 13 is a schematic diagram illustrating an example of a settlement system applied to the third embodiment of the present invention. This system includes a portable information terminal 1, an online service site 2, and an affiliated store 3. The portable information terminal 1 and the online service site 2 are connected via the Internet 4, and the online service site 2 and the affiliated store 3 are connected via a dedicated line 5.

  The configurations and the like of the portable information terminal 1, the affiliated store 3, the Internet 4, and the dedicated line 5 are the same as those in the first embodiment.

The online service site 2 includes an online shop 21, an authentication server 22, a barcode conversion unit 23, a payment server 24, and a printer 226.
The configurations and the like of the online shop 21, the authentication server 22, the barcode conversion unit 23, and the settlement server 24 are the same as those in the first embodiment.

  The printer 226 includes a predetermined continuous form (continuous form) printer or the like, and prints a predetermined barcode pattern or the like according to the barcode information transmitted from the settlement server 24.

  Hereinafter, a settlement process in the settlement system according to the third embodiment will be described with reference to FIG. FIG. 14 is a flowchart for explaining the settlement processing. The payment processing shown in FIG. 14 is performed when the user operates the portable information terminal 1 to access the online service site 2 via the Internet 4 after performing the payment information generation processing shown in FIG. Start.

First, the portable information terminal 1 connects to the authentication server 22 via the Internet 4 according to a user's operation (step S91).
The portable information terminal 1 generates payment request information 301 as shown in FIG. 15A from a payment management number or the like input from the numeric keypad 12 by the user, and transmits the generated payment request information 301 to the authentication server 22. (Step S92).

Upon acquiring the payment request information 301, the authentication server 22 of the online service site 2 checks the user ID and the password, and then supplies the payment management number and the user ID to the payment server 24 (Step S101).
When the payment server 24 confirms that the acquired payment management number and user ID are included in the payment information shown in FIG. 4, the payment server 24 generates payment confirmation information 302 as shown in FIG. 15B (step S102). . When the payment server 24 determines that the acquired payment management number and user ID are not included in the payment information, the payment server 24 transmits a predetermined error message to the portable information terminal 1 and ends the process.

The payment server 24 converts the generated payment confirmation information 302 into barcode information using the barcode conversion unit 23 (Step S103). The barcode information is information that defines a barcode pattern for representing the payment confirmation information 302.
The settlement server 24 supplies the converted barcode information, the address, and the like to the printer 226, and prints a barcode pattern (step S104). That is, the printer 226 that has acquired the barcode information and the like prints an image including the barcode pattern 303 on a predetermined continuous sheet as shown in FIG.
The worker of the online service site 2 puts a piece of the continuous form sheet in a predetermined envelope, and then mails it to the user.

Upon receiving the sheet on which the barcode pattern is printed by mail, the user brings the sheet to the affiliated store 3.
The POS register 32 of the affiliated store 3 reads the barcode pattern printed on the sheet via the barcode reader 31, and acquires the payment confirmation information 302 decoded by the barcode reader 31 (step S111). The POS register 32 supplies the acquired payment confirmation information 302 to the payment controller 33.
When the payment controller 33 acquires the payment confirmation information 302, the payment controller 33 refers to the connection destination information shown in FIG. 5 stored in the connection destination storage unit 34, and sends to the payment server 24 determined according to the payment server ID via the dedicated line 5. Connection is made (step S112).
The settlement controller 33 transmits the settlement management number and the user ID to the settlement server 24 (Step S113).

Upon receiving the payment management number and the user ID (step S105), the payment server 24 confirms that the received payment management number and user ID are included in the payment information shown in FIG. When the payment server 24 determines that the acquired payment management number and user ID are not included in the payment information, the payment server 24 transmits a predetermined error message to the payment controller 33 and ends the process.
The payment server 24 extracts the payment information details 304 as shown in FIG. 15D from the payment information shown in FIG. 4, and transmits the extracted payment information details 304 to the payment controller 33 (Step S106).

The payment controller 33 supplies the received payment information details 304 to the POS register 32 (Step S114).
When the POS register 32 acquires the payment information details 304, the POS register 32 calculates the charge amount from the unit price and the number, and displays the calculated charge amount on a predetermined screen (step S115).

Upon input of the amount received from the user, the POS register 32 issues a receipt on which the payment information details 304 are printed (step S116).
As a result, payment for online shopping and the like can be performed safely and easily using the portable information terminal 1.

  In the third embodiment, the paper on which the barcode pattern or the like is printed by the printer 226 provided in the online service site 2 is mailed. However, the user's house or the partner store is separately sent by a facsimile machine. 3 may be transmitted to the facsimile machine provided in the third embodiment.

In the above-described first to third embodiments, the case where the payment server 24 stores the payment information and transmits the payment management number for specifying the payment information to the portable information terminal 1 has been described. Payment information may be transmitted directly to the type information terminal 1.
For example, when receiving the payment information, the portable information terminal 1 generates and stores two-dimensional code information that defines the received payment information. Then, at the time of payment, the portable information terminal 1 generates a two-dimensional code pattern according to the two-dimensional code information and displays the two-dimensional code pattern on the display 11.
In this case, the POS register 32 of the affiliated store 3 reads the two-dimensional code pattern, and can immediately calculate the charge amount according to the payment information without going through the payment controller 33 or the like.

In the above-described first to third embodiments, a settlement system in which a user purchases a predetermined product or the like in the online shop 21 of the online service site 2 and pays for the purchased product or the like. As described above, the present invention can also be used as appropriate when paying the price to a predetermined requester who requests the storage of the price.
Hereinafter, a payment system according to a fourth embodiment of the present invention, which pays a price when a price storage requester requests a price storage, will be described with reference to the drawings.

FIG. 16 is a block diagram illustrating an example of a payment system applied to the fourth embodiment of the present invention. As shown in FIG. 16, the payment system includes a portable information terminal 1, an affiliated store 3, a client 7, a management center 8, and a mobile communication manager 9.
Note that the portable information terminal 1 is composed of a mobile phone or the like having a display 11 as shown in FIG. 2, as in the above embodiment. The affiliated store 3 includes the bar coat reader 31 and the POS register 32 described above.

  The requesting company 7 is a price storage requesting company that requests the management center 8 to store the price, and has a predetermined computer system. Further, the mobile communication management company 9 is a company that provides a mobile communication service of a predetermined method to the user, and provides the target portable information terminal 1 to the target portable information terminal 1 in accordance with the below-described transfer information sent from the management center 8. , Code information and the like.

  The management center 8 is connected to the affiliated store 3, the client company 7, and the mobile communication management company 9 via a predetermined network, and includes a charge storage management server 81, a storage result management DB 82, and a user management DB 83. And is provided.

The payment storage management server 81 is composed of a workstation or the like provided with a communication control device or the like, and obtains payment storage request information for requesting storage of the payment from the requester 7.
The payment storage management server 81 transmits code information and the like (transfer information) to be displayed on the portable information terminal 1 of the user via the mobile communication management company 9 according to the acquired payment storage request information. It is transmitted to the information terminal 1. Note that the payment storage management server 81 may transmit the code information or the like directly to the target portable information terminal 1.
In addition, the payment storage management server 81 generates transfer acceptance information, which will be described later, according to the obtained payment storage request information, and transmits the information to the target affiliated store 3.

Then, the payment storage management server 81 updates storage management information and the like, which will be described later, stored in the storage performance management DB 82 in accordance with the storage information (price storage execution information) sent from the affiliated store 3.
The payment storage management server 81 generates storage result information, storage total information, and the like in accordance with storage management information and the like updated in the storage result management DB 82 at each predetermined timing.
The payment storage management server 81 transmits the generated storage result information and the storage total information to the client 7, and transmits the generated storage total information to the affiliated store 3.

The storage result management DB 82 stores storage management information as shown in FIG. 17A and storage amount management information as shown in FIG. 17B.
The storage management information shown in FIG. 17A includes a payment storage requester, a transfer information ID for specifying storage information (transfer information), a storage amount, a storage date and time, a storage store, a user ID, and the like.
As shown in the drawing, the storage management information is managed by dividing the above information for each payment storage requester unit. The storage amount, storage date and time, and storage store in the figure are updated by the price storage management server 81 when storage information is sent from the affiliated store 3.

The storage amount management information shown in FIG. 17B includes a payment storage requesting company, a storage store, a total storage amount, and the like.
As shown in the figure, the stored amount management information manages the total amount stored in each storage store for each payment storage requester. The total storage amount of each storage store is updated by the price storage management server 81 when the storage information is sent from the affiliated store 3.

The user management DB 83 stores user management information as shown in FIG. As illustrated, the user management information includes a user ID, a telephone number of the portable information terminal 1, a terminal type, and the like.
The user management information is used when the payment storage management server 81 transmits the transfer information to the target portable information terminal 1 via the mobile communication management company 9.

Hereinafter, the operation of the settlement system according to the fourth embodiment of the present invention will be described with reference to FIGS. FIG. 19 is a flowchart for explaining the transfer information issuing process performed by the management center 8. FIG. 21 is a flowchart for explaining a settlement process performed by the portable information terminal 1, the affiliated store 3, and the management center 8.
First, the transfer information issuing process shown in FIG. 19 will be described. Note that the transfer information issuance process shown in FIG. 19 is started when predetermined price storage request information is supplied from the client 7.

  First, the payment storage management server 81 of the management center 8 generates transfer information 401 as shown in FIG. 20A according to the payment storage request information sent from the client 7 (step S201). Note that the transfer information ID and the user ID in the transfer information 401 are converted into code information such as a barcode.

The payment storage management server 81 transmits the generated transfer information 401 to the mobile communication manager 9 (step S202).
Upon receiving the transfer information 401, the mobile communication manager 9 transmits code information and the like (transfer information) to the telephone number included in the received transfer information 401.

  Further, the payment storage management server 81 generates the transfer receiving information 402 as shown in FIG. 20B according to the payment storage request information (step S203). That is, the payment storage management server 81 generates the transfer receiving information 402 for specifying the storage price or the like when storing the payment at the affiliated store 3.

The payment storage management server 81 transmits the generated transfer receipt information 402 to the target affiliated store 3 (step S204).
Upon receiving the transfer receipt information 402, each affiliated store 3 stores the received transfer receipt information 402 in a predetermined storage unit.

  Next, the settlement processing shown in FIG. 21 will be described. The settlement process shown in FIG. 21 is started after code information and the like (transfer information) are sent from the mobile communication management company 9 to the portable information terminal 1.

First, the portable information terminal 1 receives the code information sent from the mobile communication management company 9 (step S211).
Then, the portable information terminal 1 displays the code information on the display 11 at the affiliated store 3 according to the operation of the user (step S212). That is, a barcode pattern or the like is displayed on the display 11.

  On the other hand, the affiliated store 3 reads the code information displayed on the display 11 of the portable information terminal 1, and checks the code information against the transfer receiving information 402 (step S221). That is, the code information is read by a barcode reader or the like connected to the POS terminal provided in the affiliated store 3 and is compared with the transfer receipt information 402 sent from the payment storage management server 81.

When the payment can be stored by collation with the transfer receipt information 402, the affiliated store 3 stores the payment paid by the user (step S222).
Then, the affiliated store 3 generates the storage information 403 as shown in FIG. 22A, and transmits the generated storage information 403 to the management center 8 (step S223). That is, the storage information 403, which is the execution information of the payment storage, is transmitted to the management center 8.

  The affiliated store 3 repeatedly executes the processing of the above-described steps S221 to S223 until receiving the below-described storage total information sent from the management center 8 (step S224). That is, each time the price paid by each user is stored, the storage information 403 is generated and transmitted to the management center 8.

  On the other hand, when receiving the storage information 403 sent from the affiliated store 3, the payment storage management server 81 of the management center 8 updates the storage result management DB 82 according to the received storage information 403 (step S231). That is, the payment storage management server 81 updates the storage management information shown in FIG. 17A and the stored money management information shown in FIG. 17B according to the received storage information 403.

At a predetermined timing, the payment storage management server 81 according to the information stored in the storage performance management DB 82 stores the storage performance information 404 as shown in FIG. 22B and the storage total information 405 as shown in FIG. , And the storage total information 406 as shown in FIG. 22D is generated (step S232).
That is, the payment storage management server 81 stores the storage performance information 404 in FIG. 22B indicating the storage performance, the storage total information 405 in FIG. 22C indicating the storage total (payment amount) for each payment storage requesting company, and Then, the storage total information 406 of FIG.

The payment storage management server 81 transmits the generated storage result information 404 and the stored total information 405 to the requester 7 (step S233).
Further, the payment storage management server 81 transmits the generated storage total information 406 to the affiliated store 3 (step S234).

  Then, the affiliated store 3 that has received the storage total information 406 remits the storage total amount according to the received storage total information 406 to the target client 7 at a predetermined timing (step S225).

  As a result, even when a predetermined payment storage requester requests the payment storage, payment can be easily performed using the portable information terminal or the like.

In the above-described first to fourth embodiments, the payment system in the case where the user pays for the purchased product or the like has been described. However, the price is considered in consideration of the discount amount of the issued coupon and the like. It can be used as appropriate when making payment.
Hereinafter, a payment system according to a fifth embodiment of the present invention for paying the price in consideration of the discount amount of the issued coupon and the like will be described with reference to the drawings.

FIG. 23 is a block diagram illustrating an example of a payment system applied to the fifth embodiment of the present invention. As shown in FIG. 23, the payment system includes a portable information terminal 1, an affiliated store 3, a client 7, a management center 8, and a mobile communication manager 9.
Note that the portable information terminal 1, the affiliated store 3, and the mobile communication management company 9 have the same configuration as the above-described fourth embodiment.

  The management center 8 is connected to the affiliated store 3, the client 7, and the mobile communication manager 9 via a predetermined network, and includes a coupon management server 84, a usage record management DB 85, and a user management DB 83. Consists of Note that the user management DB 83 has the same configuration as in the above-described fourth embodiment.

  The coupon management server 84 transmits code information and the like (coupon information) to be displayed on the portable information terminal 1 of the user to the target portable information terminal 1 via the mobile communication management company 9. The coupon management server 84 may transmit the code information or the like directly to the target portable information terminal 1.

Then, the coupon management server 84 updates the usage management information and the like stored in the usage history management DB 85 according to the storage information (discount execution information) sent from the affiliated store 3.
The coupon management server 84 generates the usage result information and the settlement total information, etc. at predetermined timings according to the usage management information and the like updated in the usage result management DB 85. The coupon management server 84 transmits the generated usage result information and the like to the requester 7.

The usage record management DB 85 stores coupon management information as shown in FIG. 24A and discount amount management information as shown in FIG.
The coupon management information shown in FIG. 24A includes a coupon issuer, a coupon ID for specifying issued coupon information, a discount amount, a date and time of use, a store in use, a user ID, and the like.
As shown, the coupon management information is managed by dividing the above information for each coupon issuer. Each piece of information is updated by the coupon management server 84 when the discount use information is sent from the affiliated store 3.

The discount amount management information shown in FIG. 24B includes a coupon issuer, a store in use, a total discount amount, and the like.
As shown in the figure, the discount amount management information manages the total amount of discount at each store in use, for each coupon issuer. The discount total amount of each used store is updated by the coupon management server 84 when the discount use information is sent from the affiliated store 3.

  Hereinafter, the operation of the settlement system according to the fifth embodiment of the present invention will be described with reference to FIGS.

  The coupon management server 84 of the management center 8 generates coupon information 501 as shown in FIG. The coupon ID and the user ID in the coupon information 501 have been converted into code information such as a barcode.

The coupon management server 84 transmits the generated coupon information 501 to the mobile communication manager 9.
Upon receiving the coupon information 501, the mobile communication manager 9 transmits code information and the like (coupon information).

  The coupon management server 84 generates coupon acceptance information 502 as shown in FIG. That is, the coupon management server 84 generates the coupon acceptance information 502 for specifying the discount amount to be deducted when storing the price at the affiliated store 3.

  Next, the settlement processing shown in FIG. 26 will be described. The settlement process shown in FIG. 26 is started after code information and the like (coupon information) are transmitted from the mobile communication management company 9 to the portable information terminal 1.

First, the portable information terminal 1 receives the code information sent from the mobile communication management company 9 (step S311).
Then, the portable information terminal 1 displays the code information on the display 11 at the affiliated store 3 according to the operation of the user (step S312).

  On the other hand, the affiliated store 3 reads the code information displayed on the display 11 of the portable information terminal 1, and checks the code information with the coupon acceptance information 502 (step S321).

When the discount amount or the like is specified by collation with the coupon reception information 502, the partner store 3 stores the price obtained by subtracting the discount amount according to the coupon reception information 502 (step S322).
Then, the affiliated store 3 generates the discount use information 503 as shown in FIG. 27A and transmits it to the management center 8 (step S323). That is, the discount use information 503 which is the execution information of the discount is transmitted to the management center 8.

  The affiliated store 3 repeatedly executes the processing of the above-described steps S321 to S323 until the remittance of the settlement amount is performed from the client 7 (step S324). That is, each time the price paid by each user is stored, the discount use information 503 is generated and transmitted to the management center 8.

  On the other hand, when receiving the discount use information 503 sent from the affiliated store 3, the coupon management server 84 of the management center 8 updates the use record management DB 85 according to the received discount use information 503 (step S331). That is, the coupon management server 84 updates the coupon management information shown in FIG. 24A and the discount amount management information shown in FIG. 24B according to the received discount use information 503.

The coupon management server 84, at a predetermined timing, according to the information stored in the usage record management DB 85, uses the usage record information 504 as shown in FIG. 27 (b) and the settlement total information 505 as shown in FIG. 27 (c). It is generated (step S332).
That is, the coupon management server 84 uses the usage history information 504 in FIG. 27B indicating the usage status of the discount, and the discount amount in FIG. 24B indicating the total discount amount (payment amount) for each coupon issuer. Generate management information.

  The coupon management server 84 transmits the generated usage record information 504 and the settlement total information 505 to the client 7 (step S333).

Then, upon receiving the usage result information 504 and the like, the requesting company 7 remits the settlement amount according to the received settlement total information 505 to the affiliated store 3 at a predetermined timing.
When the settlement amount is remitted from the client 7, the affiliated store 3 acquires the sent settlement amount (step S325).

As a result, it is possible to easily pay the price in consideration of the discount amount of the coupon issued using the portable information terminal or the like.
In addition, the coupon issuer can identify users and issue coupons, and accurately collect usage information such as which users made purchases using coupons, when and where. Can be.

In the fifth embodiment, the portable information terminal 1 acquires the code information (coupon information) sent from the management center 8 (via the mobile communication management company 9), and stores the acquired coupon information. Although the coupon information is used by being displayed on the display 11 or the like, the coupon information may be usable even if it is not the one transmitted from the management center 8.
For example, coupon information sent indirectly from a user's friend or the like may be displayed on the display 11 and used.

In this case, the portable information terminal 1 generates discount use information 503 including the user ID of the user (friend or the like) of the transmission source and transmits the discount use information 503 to the management center 8. Then, the coupon management server 84 stores the coupon management information including the user ID of the transmission source in the usage record management DB 85.
The coupon management server 84 generates the use result information 504 including the user ID of the transmission source and transmits it to the requester 7, so that the requester 7 also acquires information of the user who has spread the coupon information. be able to.

In the fifth embodiment, the settlement system for paying the price in consideration of the discount amount of the issued coupon and the like has been described. However, in addition to the coupon, a membership card, an invoice, and an exchange It can also be used as appropriate when a ticket or the like is used.
Hereinafter, a payment system according to a sixth embodiment of the present invention for performing payment and the like using an issued membership card will be described with reference to the drawings.

FIG. 28 is a block diagram showing an example of a settlement system applied to the sixth embodiment of the present invention. As shown in FIG. 28, the payment system includes a portable information terminal 1, an affiliated store 3, a client 7, a management center 8, and a mobile communication manager 9.
Note that the portable information terminal 1, the affiliated store 3, and the mobile communication management company 9 have the same configuration as the above-described fourth embodiment and the like.

  The management center 8 is connected to the affiliated store 3, the client company 7, and the mobile communication management company 9 via a predetermined network, and includes a membership card management server 86, a usage record management DB 87, and a user management DB 83. It is composed of Note that the user management DB 83 has the same configuration as in the above-described fourth embodiment and the like.

  The membership card management server 86 transmits code information and the like (membership card information) to be displayed on the portable information terminal 1 of the user to the target portable information terminal 1 via the mobile communication management company 9. I do. Note that the membership card management server 86 may directly transmit the code information and the like to the target portable information terminal 1.

Then, the membership card management server 86 updates the usage management information and the like stored in the usage record management DB 87 according to the membership card usage information (membership card usage information) sent from the affiliated store 3.
The membership card management server 86 generates use result information and the like at predetermined timings according to the use management information and the like updated in the use result management DB 87. The membership card management server 86 transmits the generated usage result information to the requester 7.

The usage record management DB 87 stores usage management information as shown in FIG.
The use management information shown in FIG. 29 includes a membership card issuance requesting company, a membership card ID for specifying issued membership card information, an addition point, a use date, a store used, a user ID, and the like.
As shown in the figure, the use management information is managed by dividing the above information for each member card issuance requester unit. Each piece of information is updated by the membership card management server 86 when the membership card use information is sent from the affiliated store 3.

  Hereinafter, the operation of the settlement system according to the sixth embodiment of the present invention will be described with reference to FIGS.

  The membership card management server 86 of the management center 8 generates membership card information 601 as shown in FIG. Note that the membership card ID and the user ID in the membership card information 601 have been converted into code information such as a barcode.

The membership card management server 86 transmits the generated membership card information 601 to the mobile communication manager 9 (step S402).
Upon receiving the membership card information 601, the mobile communication manager 9 transmits code information (membership card information).

  Also, the membership card management server 86 generates membership card acceptance information 602 as shown in FIG. That is, the membership card management server 86 generates the membership card acceptance information 602 for specifying points to be added when storing the price at the affiliated store 3.

  Next, the settlement processing shown in FIG. 31 will be described. In the settlement process shown in FIG. 31, the code information is transmitted from the mobile communication management company 9 to the portable information terminal 1, and the user operates the portable information terminal 1 to operate at the affiliated store 3. It starts after displaying the code information on the display 11.

First, the affiliated store 3 reads the code information displayed on the display 11 of the portable information terminal 1 and checks it against the membership card acceptance information 602 (step S411).
When the points to be added and the like are specified by collation with the membership card acceptance information 602, the affiliated store 3 stores the price for the service and the like (step S412).

  The affiliated store 3 generates membership card use information 603 as shown in FIG. 32A according to the specified addition points and the like, and transmits it to the management center 8 (step S413). That is, member card use information 603, which is member card use information, is transmitted to the management center 8.

  On the other hand, when the membership card management server 86 of the management center 8 receives the membership card usage information 603 sent from the affiliated store 3, it updates the usage record management DB 87 according to the received membership card usage information 603 (step S421). That is, the membership card management server 86 updates the usage management information shown in FIG. 28 according to the received membership card usage information 603.

At a predetermined timing, the membership card management server 86 generates the use result information 604 as shown in FIG. 32B according to the information recorded in the use result management DB 87 (step S422). That is, the usage record information 604 shown in FIG. 32B indicating the use record of the membership card is generated.
The membership card management server 86 transmits the generated usage record information 604 to the requester 7 (step S423).

Then, upon receiving the usage record information 604, the requesting company 7 analyzes the usage trends and the like of each member according to the received usage record information 604.
As a result, payment and the like can be easily performed using the issued membership card.
In addition, the member card issuance requester can accurately collect usage information such as which user (member) made a purchase using the member card, when and where.

  As described in the first to sixth embodiments, according to the present invention, payment and the like can be easily performed using a portable information terminal or the like.

In the fourth to sixth embodiments described above, the case where the transfer information, the coupon information, and the code information for specifying the membership card information are transmitted to the portable information terminal 1 has been described. First, transfer information, coupon information, and membership card information may be directly transmitted.
For example, when receiving the transfer information and the like, the portable information terminal 1 generates and stores two-dimensional code information that defines the received transfer information and the like. Then, at the time of payment, the portable information terminal 1 generates a two-dimensional code pattern according to the two-dimensional code information and displays the two-dimensional code pattern on the display 11.
In this case, the POS register 32 of the affiliated store 3 reads the two-dimensional code pattern, and can immediately calculate the charge amount according to the transfer information or the like.

In the above embodiment, a code pattern such as a barcode is displayed on the display 11 or the like of the portable information terminal 1, but a character character or the like may be displayed in addition to the barcode pattern.
For example, even when the barcode pattern cannot be read by the barcode reader 31 or the like of the affiliated store 3, the character characters to be displayed together can be input from the POS register 32 so that the money can be stored. .
Further, the portable information terminal 1 may be provided with an infrared communication interface or the like, and the transmission and reception of information with the POS register 32 may be performed by infrared communication or the like. Further, the communication is not limited to the infrared communication, and may be performed wirelessly.

  It should be noted that the settlement system according to the embodiment of the present invention can be realized using an ordinary computer system without using a dedicated system. For example, a payment system that executes the above-described processing can be configured by installing the program for executing any of the above-described programs from a medium (such as a flexible disk or a CD-ROM) in a computer. .

Further, the medium for supplying the program to the computer may be a communication medium (a medium that temporarily and fluidly stores the program, such as a communication line, a communication network, or a communication system). For example, the program may be posted on a bulletin board (BBS) of a communication network and distributed via the network.
Then, by starting this program and executing it in the same manner as other application programs under the control of the OS, the above-described processing can be executed.

  As described above, according to the present invention, payment or the like can be easily performed using a portable information terminal or the like.

1 is a schematic diagram illustrating an example of a configuration of a settlement system according to a first embodiment of the present invention. It is the external view which looked at an example of the portable information terminal from the front. It is a schematic diagram which shows an example of the user specific information stored beforehand in an authentication server. It is a schematic diagram which shows an example of the payment information stored in the payment server. FIG. 4 is a schematic diagram illustrating an example of connection destination information stored in a connection destination storage unit in advance. It is a flowchart for explaining the settlement information generation processing according to the first embodiment of the present invention. (A) is a schematic diagram showing an example of purchase request information, and (b) is a schematic diagram showing an example of purchase information. It is a flow chart for explaining settlement processing concerning a 1st embodiment of the present invention. (A) is a schematic diagram illustrating an example of payment request information, (b) is a schematic diagram illustrating an example of payment confirmation information, and (c) is a schematic diagram illustrating an example of a barcode pattern displayed on a display. (D) is a schematic diagram showing an example of a payment information specification. It is a schematic diagram which shows an example of a structure of the payment system concerning the 2nd Embodiment of this invention. It is a flow chart for explaining the settlement processing concerning a 2nd embodiment of the present invention. (A) is a schematic diagram illustrating an example of payment request information, (b) is a schematic diagram illustrating an example of payment confirmation information, and (c) is an example of a barcode pattern printed on predetermined facsimile paper. It is a schematic diagram which shows, and (d) is a schematic diagram which shows an example of a payment information specification. It is a schematic diagram which shows an example of a structure of the payment system concerning the 3rd Embodiment of this invention. It is a flow chart for explaining settlement processing concerning a 3rd embodiment of the present invention. (A) is a schematic diagram illustrating an example of payment request information, (b) is a schematic diagram illustrating an example of payment confirmation information, and (c) is an example of a barcode pattern printed on a predetermined continuous paper. And (d) is a schematic diagram illustrating an example of a payment information specification. It is a schematic diagram which shows an example of a structure of the payment system concerning the 4th Embodiment of this invention. It is a schematic diagram which shows an example of the information memorize | stored in a storage result management DB, (a) is storage result management information, (b) is storage amount management information. It is a schematic diagram which shows an example of the user management information stored in the user management DB. It is a flow chart for explaining transfer information issue processing concerning a 4th embodiment of the present invention. (A) is a schematic diagram showing an example of transfer information, and (b) is a schematic diagram showing an example of transfer acceptance information. It is a flow chart for explaining the settlement processing concerning a 4th embodiment of the present invention. (A) is a schematic diagram illustrating an example of storage information, (b) is a schematic diagram illustrating an example of storage result information, and (c) and (d) are schematic diagrams illustrating an example of storage total information. . It is a schematic diagram showing an example of a configuration of a settlement system according to a fifth embodiment of the present invention. It is a schematic diagram which shows an example of the information memorize | stored in the usage record management DB, (a) is coupon management information, (b) is discount amount management information. (A) is a schematic diagram showing an example of coupon information, and (b) is a schematic diagram showing an example of coupon acceptance information. It is a flow chart for explaining the settlement processing concerning a 5th embodiment of the present invention. (A) is a schematic diagram showing an example of discount usage information, (b) is a schematic diagram showing an example of actual use information, and (c) is a schematic diagram showing an example of settlement total information. It is a schematic diagram which shows an example of a structure of the payment system concerning the 6th Embodiment of this invention. It is a schematic diagram which shows an example of use management information stored in a use result management DB. (A) is a schematic diagram showing an example of membership card information, and (b) is a schematic diagram showing an example of membership card acceptance information. It is a flow chart for explaining settlement processing concerning a 6th embodiment of the present invention. (A) is a schematic diagram showing an example of membership card use information, and (b) is a schematic diagram showing an example of use result information.

Explanation of reference numerals

DESCRIPTION OF SYMBOLS 1 Portable information terminal 2 Online service site 3 Affiliated store 4 Internet 5 Dedicated line 6 Telephone line 7 Requester 8 Management center 9 Mobile communication manager 11 Display 12 Numeric keypad 21 Online shop 22 Authentication server 23 Barcode converter 24 Payment server 31 Bar Code Reader 32 POS Register 33 Payment Controller 34 Connection Destination Storage Unit 81 Payment Storage Management Server 82 Storage Performance Management DB
83 User Management DB
84 Coupon management server 85 Usage record management DB
86 Membership card management server 87 Usage record management DB
125 facsimile transmission section 135 facsimile apparatus 226 printer

Claims (4)

A portable terminal device that receives the coupon information and displays the code pattern, a server that holds the coupon information and transmits the coupon information to the portable terminal device, a code pattern is read, and the coupon information is read based on the read code pattern. A coupon processing system for decrypting
Coupon information transmitting means for reading target coupon information from held coupon information based on the coupon request information transmitted from the mobile terminal device and transmitting the coupon information to the mobile terminal device;
Coupon information acquisition means for acquiring coupon information transmitted by the coupon information transmission means,
Code conversion means for converting the coupon information obtained by the coupon information obtaining means into code information defining a code pattern,
Pattern display means for displaying a code pattern, based on the code information converted by the code conversion means,
Coupon information decoding means for reading the code pattern displayed by the pattern display means and decoding the coupon information,
A coupon processing system comprising: performing a coupon process. A portable terminal device that displays a code pattern, a server that holds coupon information and transmits code information corresponding to the coupon information to the portable terminal device, reads a code pattern, and obtains coupon information based on the read code pattern A coupon processing system,
Coupon information storage means for storing coupon information together with a coupon management number for specifying the coupon information;
Code conversion means for reading a coupon management number based on the coupon request information transmitted from the mobile terminal device, and converting the coupon management number into code information defining a code pattern,
Code information transmitting means for transmitting the code information converted by the code converting means to a portable terminal device,
Pattern display means for acquiring the code information and displaying a code pattern based on the code information;
Code information decoding means for reading the code pattern displayed by the pattern display means and decoding the code information,
Coupon information acquisition means for acquiring a coupon management number from the code information decoded by the code information decoding means, and acquiring coupon information stored in the coupon information storage means specified by the coupon management number,
A coupon processing system comprising: A portable terminal device that receives the membership card information and displays the code pattern, a server that holds the membership card information and transmits the membership card information to the portable terminal device, reads the code pattern, and reads the code pattern based on the read code pattern. A membership card processing system for decrypting membership card information by
Based on the membership card request information transmitted from the mobile terminal device, a membership card information transmitting unit that reads out the target membership card information from the held membership card information and transmits the membership card information to the mobile terminal device,
Membership card information acquisition means for acquiring the membership card information transmitted by the membership card information transmission means,
Code conversion means for converting the membership card information acquired by the membership card information acquisition means to code information defining a code pattern,
Pattern display means for displaying a code pattern, based on the code information converted by the code conversion means,
Reading the code pattern displayed by the pattern display means, membership card information decoding means for decoding membership card information,
A membership card processing system comprising: performing membership card processing. A portable terminal device that displays the code pattern, a server that holds the membership card information and transmits code information corresponding to the membership card information to the portable terminal device, reads the code pattern, and reads the membership card based on the read code pattern. A membership card processing system for acquiring information,
Membership card information storage means for storing the membership card information together with a membership card management number for specifying the membership card information,
Code conversion means for reading the membership card management number based on the membership card request information transmitted from the mobile terminal device, and converting the membership card management number into code information defining a code pattern,
Code information transmitting means for transmitting the code information converted by the code converting means to a portable terminal device,
Pattern display means for acquiring the code information and displaying a code pattern based on the code information;
Code information decoding means for reading the code pattern displayed by the pattern display means and decoding the code information,
A membership card information acquisition unit that acquires a membership card management number from the code information decoded by the code information decoding unit, and acquires the membership card information stored in the membership card information storage unit specified by the membership card management number. ,
A membership card processing system comprising:

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