JP2004326348A - Prepaid type electronic money settlement system and method using portable terminal - Google Patents

Prepaid type electronic money settlement system and method using portable terminal Download PDF

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Publication number
JP2004326348A
JP2004326348A JP2003118813A JP2003118813A JP2004326348A JP 2004326348 A JP2004326348 A JP 2004326348A JP 2003118813 A JP2003118813 A JP 2003118813A JP 2003118813 A JP2003118813 A JP 2003118813A JP 2004326348 A JP2004326348 A JP 2004326348A
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JP
Japan
Prior art keywords
code
account
terminal
user
special
Prior art date
Legal status (The legal status 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 status listed.)
Pending
Application number
JP2003118813A
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Japanese (ja)
Inventor
Junichi Watanabe
潤一 渡辺
Original Assignee
Nec Soft Ltd
Necソフト株式会社
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 Nec Soft Ltd, Necソフト株式会社 filed Critical Nec Soft Ltd
Priority to JP2003118813A priority Critical patent/JP2004326348A/en
Publication of JP2004326348A publication Critical patent/JP2004326348A/en
Pending legal-status Critical Current

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Abstract

<P>PROBLEM TO BE SOLVED: To provide a prepaid type electronic money settlement system for withdrawing the sum of merchandise from a special account in which a fixed sum of money is preliminarily paid. <P>SOLUTION: A user pays a necessary sum of money from a general account server 40 to a special account server 30 by using a portable terminal 10. In payment at a retail store, the user performs access from the portable terminal 10 to the special account server 30. The special account server 30 authenticates the user, and when it is confirmed that the user is a legal user, the special account server 30 makes the display picture of the portable terminal 10 display balance information and an account use code. A retail store terminal 20 reads the bar code of the display picture of the portable terminal 10 by a bar code reader, and performs access to the special account server 30, and requests the withdrawal of a sum of payment. The special account server 30 analyzes the transmitted code information, and when it is confirmed that the user is a legal user, the special account server 30 collates the requested sum with the balance, and performs withdrawal processing. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to a prepaid electronic money settlement system using a mobile terminal for debiting the amount of goods or the like from a special account.
[0002]
[Prior art]
Conventionally, payment methods at retail stores include cash payments in possession of cash, credit card payments with credit companies, banks, post offices, etc. affiliated with the retail stores, debit card payments, book tickets purchased in advance Payment by gold vouchers.
[0003]
In addition, the payment center issues a payment code, presents the payment code to the store when the user performs shopping at the store, transmits the payment code and the billing amount to the payment center from the store, and confirms the payment. There is an electronic payment system in which the payment code becomes invalid after that (see, for example, Patent Document 1).
[0004]
[Patent Document 1]
JP-A-2002-99716 [0005]
[Problems to be solved by the invention]
However, the conventional technique has the following problems.
1. If you do not have enough money, you may not be able to purchase.
2. It can only be used with certain partner companies and bank cards.
3. Credit card crimes could lead to unsolicited billing and other damages.
4. The usage status cannot be checked immediately.
[0006]
Therefore, the present invention is to deposit a certain amount of money in a special account in advance, at the time of payment at a retail store or the like, by reading the code of the account information displayed on the screen of the user's mobile terminal, An object of the present invention is to provide a prepaid electronic money settlement system and method for debiting an amount of goods or the like from an account.
[0007]
[Means for Solving the Problems]
In order to solve the above-mentioned problems, the present invention provides a user portable terminal having a network connection function and a display screen, a retail terminal having a network connection function and a code reading function, and a user's special account connected to a network. A special account server that allows a predetermined amount of money to be paid in advance and withdraws from the special account only by using an account usage code, and wherein the user mobile terminal is connected to the special account server via the network. Accessing, requesting generation and transmission of an account usage code, the special account server generates and transmits the account usage code accordingly, and the user portable terminal receives the account usage code, Displayed on the screen, the retailer terminal reads the account usage code displayed on the screen of the user mobile terminal, The special account server together with the amount is transmitted to the special account server, and the special account server authenticates the retailer terminal with the received code information, determines whether the account use code is valid, and if the payment is possible, the special account of the user. The amount of the product is deducted from the product.
[0008]
BEST MODE FOR CARRYING OUT THE INVENTION
Next, embodiments of the present invention will be described with reference to the drawings.
[0009]
FIG. 1 shows a system configuration according to the first embodiment of the present invention. In the present embodiment, a portable terminal 10 possessed by a user, a retail terminal 20 installed at a retail store, a special account server 30 dedicated to the present invention, and a general financial institution such as a bank or a post office. It comprises a general account server 40 and a network 100 to which these can be connected.
[0010]
The mobile terminal 10 is a mobile information communication terminal such as a mobile phone (including a PHS). The mobile terminal 10 is capable of accessing the special account server 30 and the general account server 40 via the network 100. An input function such as a password input at the time of authentication and a code transmitted from the special account server are displayed on the screen. It has a function to display.
[0011]
Further, a function of receiving, via the network 100, information to be transmitted at an unspecified timing when the special account server 30 has failed in authentication of the retail store terminal 20, insufficient account balance, completion of withdrawal processing, etc., for example, e-mail reception Has functions and the like.
[0012]
The retail store terminal 20 is used by a merchandise seller and includes an information processing device such as a workstation and a personal computer, and a code reading device such as a barcode reader.
[0013]
The retail store terminal 20 has a function of calculating the total price of the product purchased by the user and a function of reading the account usage code displayed on the screen of the mobile terminal 10, and specializes such information via the network 100. It has a function of transmitting to the account server 30.
[0014]
Further, the special account server 30 has a function of receiving, via the network 100, information to be transmitted at an unspecified timing when an authentication failure of the retail store terminal 20, a shortage of the account balance, completion of the withdrawal process, or the like occurs.
[0015]
The special account server 30 has an authentication function for access from the mobile terminal 10 and the retail terminal 20 via the network 100, a function for generating an account usage code to be displayed on the screen of the mobile terminal 10, and a transmission from the retail terminal 20. It has a function of analyzing the account usage code that has been entered.
[0016]
Further, it has a function of transmitting information via the network 100 at an unspecified timing when an authentication failure of the retail store terminal 20, an insufficient account balance, completion of a withdrawal process, or the like occurs.
[0017]
The general account server 40 is a server that manages accounts of financial institutions such as banks and post offices. The general account server 40 can perform deposit / withdrawal operations of a user account from the mobile terminal 10 via the network 100.
[0018]
Next, the operation of the present embodiment will be described. In the following description, the network 100 is the Internet.
[0019]
Referring to FIG. 2, the user accesses, via the network 100, from his / her mobile terminal 10, a homepage for depositing and withdrawing a general account established by a general financial institution on the general account server 40. (Step S1). In response, the general account server 40 deposits a fixed amount designated by the user into the special account of the user of the special account server 30 (step S2).
[0020]
Next, the user accesses the special account server 30 from the mobile terminal 10 (Step S3). In response, the special account server 30 transmits an input request screen as shown in FIG. 3 to the mobile terminal 10 and requests input of a login ID and a password. The user inputs a login ID and a password from the mobile terminal 10.
[0021]
When the user clicks the "OK" button displayed on the screen of FIG. 3, the mobile terminal 10 confirms that the login ID and the password have been input, and the mobile terminal 10 itself has a unique numerical value, for example, A telephone number and a serial number are added and transmitted to the special account server 30. The special account server 30 receives the information and performs an authentication process of the mobile terminal 10 (step S4).
[0022]
The special account server 30 performs authentication processing of the mobile terminal 10 and, when confirming that the user is a legitimate user, transmits a confirmation screen as shown in FIG. 4 and displays it on the display screen of the mobile terminal 10 (step S5).
[0023]
When the user selects “display” the account use code on the screen of FIG. 4 and clicks the “OK” button, the special account server 30 generates an account use code and transmits it to the mobile terminal 10 (step). S6). The portable terminal 10 receives this, and displays an account use code as shown in FIG. 5 on the screen (step S7). The account use code generated by the special account server 30 includes information on the account number uniquely held by the special account server and the time when the account use code was generated.
[0024]
Next, the user presents the account use code on the screen of the mobile terminal 10 shown in FIG. 5 at the time of payment at the retail store. The seller reads the presented account use code with the barcode reader of the retail store terminal 20 (step S8), and transmits it to the special account server 30 together with the total price of the product and the identification information of the retail store terminal 20 (step S8). S9).
[0025]
The special account server 30 authenticates the retail store terminal 20 with the received code information (step S10). At this time, information on the time when the account use code was generated is read, and if a certain time has elapsed since the code was generated, the authentication failed as an invalid account use code, and the user's mobile terminal 10 and the retail store The information for notifying the authentication failure is transmitted to the retail store terminal 20 at the store.
[0026]
If the special account server 30 determines that the account use code is valid, the special account server 30 performs a matching process of the total amount of the merchandise and the balance of the account (step S11). As a result of the matching process, when the balance of the account is insufficient, the special account server 30 transmits information for notifying the user of the insufficient balance to the mobile terminal 10 and the retail store terminal 20.
[0027]
If the special account server 30 determines that the total amount of the merchandise can be paid with the balance of the account, the special account server 30 performs a withdrawal process of the price (step S12). In principle, the special account server 30 cannot perform a withdrawal operation of the user's special account except at this timing. When the withdrawal process is completed, the special account server 30 informs the user's portable terminal 10 of the information of the debited amount and the balance, and informs the retailer terminal 20 of the completion of the debit. Is transmitted (step S13).
[0028]
The seller hands over the product to the user after the retailer terminal 20 receives the information of the notice of the debit from the special account server 30.
[0029]
In summary, in FIG. 1, the user deposits a necessary amount of money from the general account server 40 to the special account server 30 using his / her mobile terminal 10 using mobile banking or the like. The special account server 30 does not allow a withdrawal operation in a normal operation.
[0030]
The user accesses the special account server 30 via his or her own portable terminal 10 via the network 100 at the time of payment at the retail store. The special account server 30 requests input of a login name and a password at the time of access, and reads a unique code which the mobile terminal 10 has uniquely. The special account server 30 performs authentication based on these pieces of information, and when it is confirmed that the user is a valid user, displays the balance information and a code for using the account on the display screen of the mobile terminal 10.
[0031]
The retail store terminal 20 reads the bar code on the display screen of the user's mobile terminal 10 with a bar code reader, accesses the special account server 30 via the network 100, and makes a request for the payment amount withdrawal.
[0032]
The special account server 30 analyzes the code information transmitted at the time of the debit request and performs authentication. If it is confirmed that the user is a legitimate user, the requested amount and the balance are collated, and a withdrawal process is performed.
[0033]
The special account server 30 transmits the result information to the portable terminal 10 and the retail store terminal 20 when authentication failure, insufficient balance, completion of withdrawal, and the like occur.
[0034]
The retailer confirms that the withdrawal work has been completed normally, and delivers the product to the user.
[0035]
Next, FIG. 6 shows a system configuration of a second embodiment of the present invention. In the second embodiment, when a user purchases a use ticket for a transportation facility such as a train or an airplane, a leisure facility such as a movie or an art museum, the account use code displayed on the display screen of the mobile terminal 110 is changed to a ticket center. The first embodiment is different from the first embodiment in that the terminal usage code is transmitted to the terminal 150 by image mail or the like, and after the payment processing is completed, the ticket usage code is transmitted to the mobile terminal 110 and the reception terminal 120 reads and confirms the ticket usage code. .
[0036]
Therefore, the portable terminal 110 has a function of transmitting the account use code to the ticket center terminal 150 via the network 100 and a function of receiving and displaying the ticket use code transmitted from the ticket center terminal 150 via the network 100.
[0037]
The ticket center terminal 150 has a function of receiving the account usage code transmitted from the mobile terminal 110 via the network 100, a function of transmitting the account usage code and the information of the ticket price to the special account server 130 via the network 100, It has a function of generating a ticket use code after the payment processing is completed and transmitting it to the mobile terminal 110 via the network 100.
[0038]
The reception terminal 120 has an authentication function of reading the ticket usage code displayed on the display screen of the mobile terminal 110 with a barcode reader and confirming that the user is an authorized user.
[0039]
Next, the operation of the present embodiment will be described. Referring to FIG. 7, the process (steps S21 to S26) in which portable terminal 110 acquires an account use code transmitted from special account server 130 via network 100 is the same as in the first embodiment.
[0040]
The user transmits the account use code received by the mobile terminal 110 to the ticket center terminal 150 by accessing a homepage or the like prepared by the ticket center terminal 150 (step S27).
[0041]
The ticket center terminal 150 receives the account use code sent from the mobile terminal 110 (step S28), and transmits it to the special account server 130 together with the ticket amount designated by the user and the identification information of the ticket center terminal 150. (Step S29).
[0042]
The special account server 130 authenticates the ticket center terminal 150 with the received code information and, when the price is deducted, transmits the completion information to the user's portable terminal 110 and the ticket center terminal 150 (steps S30 to S33). Is the same as in the first embodiment.
[0043]
When confirming the reception of the completion information from the special account server 130, the ticket center terminal 150 generates a ticket use code of the ticket designated by the user (step S34), and the portable terminal 110 receives the ticket use code and the purchase of the ticket. The completed information is transmitted, and the ticket use code is transmitted to the reception terminal 120 (step S35).
[0044]
The user causes the ticket use code transmitted from the ticket center terminal 150 to be displayed on the display screen of the portable terminal 110, and presents it at the reception of the facility using the ticket (step S36). The receptionist of the facility reads the ticket use code presented by the barcode reader of the reception terminal 120 (step S37) and performs an authentication process (step S38).
[0045]
If the reception terminal 120 determines that the read ticket use code is valid, the reception terminal 120 invalidates the ticket use code so that the ticket use code cannot be used repeatedly (step S39).
[0046]
When the processing is completed, a notification that the user who presented the ticket use code is a valid facility user is given to the receptionist by screen display or voice (step S40).
[0047]
The receptionist checks the result notified by the reception terminal 120 and permits the user to use the facility.
[0048]
【The invention's effect】
As described above, the first effect of the present invention is that payment can be made at retail stores using only the mobile terminal 10.
[0049]
The second effect is that only a certain amount of money required for the special account is paid in advance, that the account use code can be used only within a certain period of time, and that the use information can be confirmed immediately upon completion of payment. In other words, unauthorized use can be prevented, and users can be relieved.
[0050]
The third effect is that payment can be performed efficiently because only the code is presented and read.
[Brief description of the drawings]
FIG. 1 is a system configuration diagram of a first embodiment of the present invention.
FIG. 2 is a sequence diagram illustrating a process according to the first embodiment.
FIG. 3 is a diagram showing an input request screen of a mobile terminal.
FIG. 4 is a diagram showing a confirmation screen of the mobile terminal.
FIG. 5 is a diagram showing an account use code displayed on a screen of a mobile terminal.
FIG. 6 is a system configuration diagram according to a second embodiment of the present invention.
FIG. 7 is a sequence diagram illustrating a process according to the second embodiment.
[Explanation of symbols]
10,110 Mobile terminal 20 Retail store terminal 30,130 Special account server 40,140 General account server 100 Network 120 Reception terminal 150 Ticket center terminal

Claims (7)

  1. A user portable terminal having a network connection function and a display screen,
    A retail terminal having a network connection function and a code reading function,
    A special account server that is connected to a network, a fixed amount of money is previously deposited in a special account of the user, and can withdraw money from the special account only by using an account use code,
    The user mobile terminal accesses the special account server via the network, requests generation and transmission of an account usage code,
    The special account server generates and transmits the account usage code accordingly,
    The user mobile terminal receives the account usage code and displays it on the screen,
    The retail store terminal reads the account usage code displayed on the screen of the user mobile terminal, transmits the code together with the price of the product to the special account server,
    The special account server authenticates the retail store terminal based on the received code information, determines whether the account use code is valid, and if the payment is possible, debits the amount of the product from the special account of the user. A prepaid electronic money settlement system using a mobile terminal.
  2. 2. The prepaid electronic money settlement system using a mobile terminal according to claim 1, wherein the special account server can use only the amount of money previously deposited in the special account of the user.
  3. The prepaid electronic money settlement system using a portable terminal according to claim 1, wherein the account use code is valid only within a predetermined time after being generated.
  4. The said special account server transmits the result of the judgment of the said account use code and the collation judgment of the amount of goods and the balance of the special account to the said user portable terminal and the said retail store terminal, The claim characterized by the above-mentioned. A prepaid electronic money settlement system using the mobile terminal according to any one of claims 1 to 3.
  5. A user portable terminal having a network connection function and a display screen,
    A ticket center terminal connected to the network and having a ticket use code generation function,
    A reception terminal having a network connection function and a code reading function,
    A special account server that is connected to a network, a fixed amount of money is previously deposited in a special account of the user, and can withdraw money from the special account only by using an account use code,
    The user mobile terminal accesses the special account server via the network, requests generation and transmission of an account usage code,
    The special account server generates and transmits the account usage code accordingly,
    The user mobile terminal transmits the received account use code to the ticket center terminal,
    The ticket center terminal transmits the received account use code to the special account server together with the ticket amount,
    The special account server authenticates the ticket center terminal with the received code information, determines whether or not the account use code is valid, and if payable, debits the ticket amount from the user's special account, Transmitting the result to the user portable terminal and the ticket center terminal,
    The ticket center terminal generates a ticket usage code and transmits it to the user mobile terminal and the reception terminal,
    The user portable terminal receives the ticket use code and displays it on the screen,
    The mobile terminal reads the ticket usage code displayed on the screen of the user mobile terminal, performs an authentication process, performs an invalidation process if it is valid, and notifies a result of the authentication. Prepaid electronic money settlement system using
  6. A user portable terminal having a network connection function and a display screen, a retailer terminal having a network connection function and a code reading function, and a fixed amount of money which is connected to a network and is preliminarily deposited in a special account of the user; In a system comprising a special account server that allows withdrawal from the special account only by using
    The user mobile terminal accesses the special account server via the network, requests generation and transmission of an account usage code,
    The special account server generates and transmits the account usage code accordingly,
    The user mobile terminal receives the account usage code and displays it on the screen,
    The retail store terminal reads the account usage code displayed on the screen of the user mobile terminal, transmits the code together with the price of the product to the special account server,
    The special account server authenticates the retail store terminal based on the received code information, determines whether the account use code is valid, and if the payment is possible, debits the amount of the product from the special account of the user. Prepaid electronic money settlement method using a mobile terminal.
  7. A user portable terminal having a network connection function and a display screen, a ticket center terminal connected to the network and having a ticket use code generation function, a reception terminal having a network connection function and a code reading function, In a system comprising a special account server in which a certain amount of money is previously deposited in the special account of the person and which can withdraw money from the special account only by using an account use code,
    The user mobile terminal accesses the special account server via the network, requests generation and transmission of an account usage code,
    The special account server generates and transmits the account usage code accordingly,
    The user mobile terminal transmits the received account use code to the ticket center terminal,
    The ticket center terminal transmits the received account use code to the special account server together with the ticket amount,
    The special account server authenticates the ticket center terminal with the received code information, determines whether the account use code is valid, if the payment is possible, debits the ticket amount from the user's special account, Transmitting the result to the user portable terminal and the ticket center terminal,
    The ticket center terminal generates a ticket usage code and transmits it to the user mobile terminal and the reception terminal,
    The user portable terminal receives the ticket use code and displays it on the screen,
    The mobile terminal reads the ticket usage code displayed on the screen of the user mobile terminal, performs an authentication process, performs an invalidation process if it is valid, and notifies a result of the authentication. A prepaid electronic money payment method that uses the Internet.
JP2003118813A 2003-04-23 2003-04-23 Prepaid type electronic money settlement system and method using portable terminal Pending JP2004326348A (en)

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JP2013149298A (en) * 2009-09-18 2013-08-01 Kurasu Meister:Kk Management server, and program executed in information terminal device
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
JP2014523591A (en) * 2011-07-18 2014-09-11 ボラウト,ラビーBALLOUT,Rabih Kits, systems, related methods and services for providing a platform for depositing cash
JP2015039233A (en) * 2014-10-25 2015-02-26 馮 光 Called party leadership based communication method, communication system, and electronic settlement system
JP2015148862A (en) * 2014-02-05 2015-08-20 株式会社ぐるなび authentication processing system
US9208482B2 (en) 2010-04-09 2015-12-08 Paypal, Inc. Transaction token issuing authorities
JP2016034132A (en) * 2015-09-17 2016-03-10 馮 光 Called party leadership based communication method, communication system, and electronic settlement system
US9305295B2 (en) 2010-04-09 2016-04-05 Paypal, Inc. Payment processing methods and systems
US9400978B2 (en) 2010-04-09 2016-07-26 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
JP2017050009A (en) * 2016-10-15 2017-03-09 馮 光 Communication method, communication system, and electronic settlement system by called party's initiative
JP2017117387A (en) * 2015-12-25 2017-06-29 株式会社ネットスターズ Settlement system
JP2018133090A (en) * 2018-03-04 2018-08-23 馮 光 Called party leadership based communication method, communication system, and electronic settlement system
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
US10387862B2 (en) 2012-05-24 2019-08-20 Paypal, Inc. Methods and systems for wallet enrollment
US10445723B2 (en) 2010-04-09 2019-10-15 Paypal, Inc. NFC-transaction processing systems and methods

Cited By (25)

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Publication number Priority date Publication date Assignee Title
JP2013149298A (en) * 2009-09-18 2013-08-01 Kurasu Meister:Kk Management server, and program executed in information terminal device
US9811813B2 (en) 2010-04-09 2017-11-07 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US10304051B2 (en) 2010-04-09 2019-05-28 Paypal, Inc. NFC mobile wallet processing systems and methods
US10134031B2 (en) 2010-04-09 2018-11-20 Paypal, Inc. Transaction token issuing authorities
US10115088B2 (en) 2010-04-09 2018-10-30 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US9208482B2 (en) 2010-04-09 2015-12-08 Paypal, Inc. Transaction token issuing authorities
US10102514B2 (en) 2010-04-09 2018-10-16 Paypal, Inc. Payment processing methods and systems
US9305295B2 (en) 2010-04-09 2016-04-05 Paypal, Inc. Payment processing methods and systems
US9400978B2 (en) 2010-04-09 2016-07-26 Paypal, Inc. Methods and systems for selecting accounts and offers in payment transactions
US9401077B2 (en) 2010-04-09 2016-07-26 Paypal, Inc. Mobile phone ATM processing methods and systems
US9412106B2 (en) 2010-04-09 2016-08-09 Paypal, Inc. Mobile phone ATM processing methods and systems
US9911120B2 (en) 2010-04-09 2018-03-06 Paypal, Inc. Mobile phone ATM processing methods and systems
US10445723B2 (en) 2010-04-09 2019-10-15 Paypal, Inc. NFC-transaction processing systems and methods
US9659294B2 (en) 2010-04-09 2017-05-23 Paypal, Inc. Mobile phone ATM processing methods and systems
US9639837B2 (en) 2010-04-09 2017-05-02 Paypal, Inc. Transaction token issuing authorities
US10504108B2 (en) 2010-04-09 2019-12-10 Paypal, Inc. Mobile phone ATM processing methods and systems
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
JP2014523591A (en) * 2011-07-18 2014-09-11 ボラウト,ラビーBALLOUT,Rabih Kits, systems, related methods and services for providing a platform for depositing cash
US10387862B2 (en) 2012-05-24 2019-08-20 Paypal, Inc. Methods and systems for wallet enrollment
JP2015148862A (en) * 2014-02-05 2015-08-20 株式会社ぐるなび authentication processing system
JP2015039233A (en) * 2014-10-25 2015-02-26 馮 光 Called party leadership based communication method, communication system, and electronic settlement system
JP2016034132A (en) * 2015-09-17 2016-03-10 馮 光 Called party leadership based communication method, communication system, and electronic settlement system
JP2017117387A (en) * 2015-12-25 2017-06-29 株式会社ネットスターズ Settlement system
JP2017050009A (en) * 2016-10-15 2017-03-09 馮 光 Communication method, communication system, and electronic settlement system by called party's initiative
JP2018133090A (en) * 2018-03-04 2018-08-23 馮 光 Called party leadership based communication method, communication system, and electronic settlement system

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