JP2005063248A - Settlement system and commodity purchase method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an environment enabling the shopping in a state close to face-to-face selling in a remote store. <P>SOLUTION: A cellular phone having voice communication function and data communication function further comprises a communication method switching function capable of switching the data communication mode and the voice communication mode in exchange of information with the same cellular phone of a communication partner, and an interface with a recording medium storing information for using electronic money data for settlement. Further, substraction of balance data in the recording medium is performed through the interface with the recording medium. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a technology for purchasing a product using electronic money using a mobile phone.

  Recently, shopping forms such as online shopping via the Internet and the like in which products are purchased without actually going to the store have become widespread, and electronic money is often used as a settlement means. Electronic money is electronic data acquired in exchange for advance payment of cash and deposits. With this data, goods can be purchased and serviced like ordinary money.

  Since electronic money is prepaid, it is characterized by high anonymity unlike a credit card. Furthermore, since electronic money is stored in the memory of a computer or data indicating the amount of money is stored in an IC card or the like having a rewritable memory, it has a fine limit compared to the same prepaid prepaid card. Setting is possible.

  When electronic money having such characteristics is used for online shopping, mainly through a personal line such as a customer, a store, a bank, and an electronic money issuer via a network such as a dedicated line or the Internet, Data transmission / reception has been performed using a personal computer or the like. Recently, there is a technology that uses a mobile phone instead of a personal computer (for example, Patent Document 1).

  The technique disclosed in Patent Document 1 is obtained by replacing the computer used in the electronic money system with a mobile phone.

JP 2000-259755 A

  A mobile phone is characterized by being able to talk and having high portability. And recently, the spread has been remarkable, and even a person who does not have a computer from a child to an age often has a mobile phone.

  The technology of Patent Document 1 simply replaces a fixed information processing apparatus such as a computer with a mobile phone, and uses only the data transmission function of the mobile phone and uses the characteristics of the mobile phone such that it has a call function. Not.

  That is, it is a disclosure of processing technology at the time of settlement, and there is no viewpoint for improving the convenience of shopping as a whole, such as information on purchased products and price negotiation. However, in actual shopping situations, it is often desirable to use the call function and communicate with the store clerk.

  In view of the above circumstances, an object of the present invention is to provide an environment that is close to a state of shopping face-to-face in a store, even in a remote place, using electronic money capable of finely setting a limit amount as a payment means. And

  In order to achieve the above object, the present invention provides a payment system using a mobile phone that can easily switch between a data communication function and a voice communication function and can transmit data necessary for payment.

  Specifically, a first mobile terminal used by a user having a voice communication function and a data communication function and a second mobile terminal used by a store are provided, and the data communication functions of both the mobile terminals are used. , A payment system in which a user performs payment for purchasing a product from a remote store by transmitting and receiving data necessary for payment, wherein the first portable terminal is the same as that of the second portable terminal. , Telephone number address storage means for storing a telephone number for voice communication and a destination address for data communication, and an instruction to switch between a voice communication mode for voice communication and a data communication mode for data communication A switching instruction receiving means for receiving the switching, and when the switching instruction is received in the switching means, the mode is switched from the current mode to another mode, and the second mobile phone Mode switching means for transmitting a switching signal at the end and using the telephone number or address stored in the telephone number address storage means to connect to the second portable terminal in the mode after switching, When the second portable terminal receives the switching signal from the first portable terminal, the second portable terminal includes a communication mode switching unit that switches its communication mode from the current mode to another mode. I will provide a.

  According to the present invention, electronic money capable of finely setting a limit amount is used as a payment means, and even if the store is in a remote place, it is possible to shop in an environment close to that when actually going to the store.

  Hereinafter, an embodiment of the present invention will be described with reference to the drawings. Hereinafter, for the sake of simplicity, a person who purchases goods using electronic money is called a customer, a person who sells goods is called a store, and a person who issues electronic money is called an issuer. A financial institution in which a purchaser, a store, and an issuer have a settlement account is called a bank. Of course, the buyer, store, and issuer's bank may be different.

  FIG. 1 is a diagram showing a basic system configuration of money payment in the present invention.

  As shown in the figure, the present invention relates to customer mobile phones 100a, 100b,..., 100n connected to a wireless communication network (hereinafter referred to as a network) 200 including a voice communication network and a data communication network. , 500n, a store system 500a, 500b,..., 500n, an issuer system 400, a charging device 700, and a bank settlement network 600. Here, the number of the mobile phones 100a to 100n of the customer and the systems 500a to 500n of the store are not limited. If there is no need to distinguish them individually, they are represented by the mobile phone 100 of the customer and the system 500 of the store, respectively.

  The electronic money issuer system 400 and the charging device 700 may be connected via a dedicated network.

  The store system 500 includes a store mobile phone 550 and a store personal computer 560 as a payment terminal.

  Each customer holds an IC card used when charging electronic money data with the charging device 700 as the electronic money cards 800a to 800n. The electronic money cards 800a to 800n are also referred to as electronic money cards 800 when it is not necessary to distinguish them individually.

  The customer registers in advance the bank account data for the deduction processing for the purchase of electronic money in the issuer's system 400, and the charge device 700 directly connected to the issuer's system 400 uses the charge device 700 in the issuer's system 400. Electronic money data is charged in the database using the electronic money card 800. After that, the electronic money card 800 used for charging is inserted into its own mobile phone 100, and data is transmitted / received to / from the store system using the wireless data communication network for shopping. The store side receives data from the customer with its own mobile phone 550 and processes the received data using its own personal computer 560. In order to process electronic money data, the store accesses the electronic money issuer system 400 and acquires data such as a balance. Also, the electronic money issuer system 400 obtains the processed data from the store system and updates the held data.

  Next, the configurations of the customer's mobile phone 100, the store's mobile phone 550, the store's personal computer 560, the charging device 700, and the issuer's system 400 for realizing the above processing will be described.

  The mobile phone 100 according to the present embodiment basically has two types of modes, a voice communication mode in which voice communication is performed and a data communication mode in which data transmission / reception is performed by packet communication or the like, as in a normal mobile phone. . The mobile phone 100 according to the present embodiment transmits / receives data necessary for a call using the voice communication mode and shopping data and payment using electronic money using the data communication mode. Further, it has an interface with an electronic money card 800 which is an IC card, and processes data necessary for electronic money settlement transmitted from the inserted electronic money card 800.

  FIG. 2 is an overview of the mobile phone 100 in the present embodiment.

  As shown in the figure, the mobile phone 100 includes an IC card interface 35 that is an insertion slot of an electronic money card 800 in addition to a dial button 31, a microphone 32, a speaker 33, and a panel display device 34 provided in a normal mobile phone. I have.

  Note that the function button 36 for switching between the call function and the data transmission function may be provided separately from the dial button 31.

  In the present embodiment, the mobile phone 100 is also used for data transmission when purchasing a product. For this reason, it is good also as a structure provided separately from the dial button 31 with the function button 37 for selecting purchase goods.

  FIG. 3 is a functional block diagram of the mobile phone 100 in the present embodiment.

  As shown in the figure, a mobile phone 100 includes a wireless communication interface 101 that is an interface with a network 200, a communication mode switching unit 103 that switches between a voice communication mode and a data communication mode, and voice communication that performs voice communication processing. Unit 104, data communication unit 105 that performs data communication processing, display processing unit 106 that performs display processing on panel display device 34, dial processing unit 107 that receives and processes input from dial button 31, The IC card processing unit 108 that processes data to be transmitted / received to / from the IC card via the IC card interface 35, the data received via the dial button 31 and the data received via the IC card interface are temporarily stored. Memory 109 and the entire mobile phone 100 And a control unit 110 for controlling the functions.

  The communication mode switching unit 103 receives an input via a predetermined dial button 31 or function button 36, and switches between the voice communication mode and the data communication mode according to the mode switching signal received from the dial processing unit 107. Switch the mode of the mobile phone.

  The dial processing unit 107 generates various signals in accordance with a user instruction received via the dial button 31 and an instruction from the control unit 110 corresponding to the mode at that time.

  For example, when pressing of a button for instructing mode switching is received, a switching signal for switching the mode is generated and sent to the communication method switching unit 103.

  In the voice communication mode, upon accepting pressing of each numeric button of the dial button 31, the dial processing unit 107 generates a corresponding PB signal and sends it to the network 200 via the wireless communication interface 101.

  In the data communication mode, when receiving a press of each button of the dial button 31, the dial processing unit 107 generates a corresponding signal in accordance with an instruction from the control unit 110 and sends it to the data communication unit 105.

  The display processing unit 106 receives the display signal received from the network 200 via the wireless communication interface 101 and the data input via the dial button 310 in accordance with an instruction from the control unit 110 and causes the panel display device 34 to display the display signal. .

  The control unit 110 receives data via the IC card interface 35 and is processed by the IC card processing unit 108, data received via the dial button 31 and processed by the dial processing unit 107, and wireless communication Data input via the interface 101 is transmitted to a predetermined functional unit for processing.

  In addition, the control unit 110 transmits the data processed by each functional unit to the display processing unit 106 to be displayed on the panel display device 34, or transmits the data to the IC card processing unit 108 via the IC card interface 35. Processing such as transmission to the electronic money card 800 or transmission to the network 200 via the wireless communication interface 101 is performed.

  FIG. 7 shows an example of data held in the memory 109. As shown in the figure, the memory 109 includes an ID number storage unit 109a, a connection destination address storage unit 109b, and a connection destination telephone number storage unit 109c. The memory 109 is in accordance with instructions from the control unit 110. Data processed by the IC card processing unit 108, the dial processing unit 107, and the data communication unit 106 is stored.

  Next, the functional configuration of the mobile phone 550 in the store will be described. Similar to the customer's mobile phone 100, the store's mobile phone 510 also has two modes, a voice communication mode and a data communication mode, and is necessary for calling in the voice communication mode and for shopping data and electronic money settlement in the data communication mode. Send and receive data. Also provided is an interface for transmitting data received from the mobile phone 100 of the customer to the personal computer 560 of the store having the function of a payment terminal.

  Although an overview of the mobile phone 550 of the store is not shown, the mobile phone 550 basically includes a dial button 51, a microphone 52, a speaker 53, and a panel display device 54, similar to the mobile phone 100 of the customer. Furthermore, the cellular phone 550 includes a PC interface 55 configured with a connector or the like as an interface with a personal computer of a store.

  FIG. 4 is a functional configuration diagram of the mobile phone 550 of the store. As shown in the figure, the mobile phone 550 of the store includes a wireless communication interface 501, a communication mode switching unit 503, a voice communication unit 504, a data communication unit 505, a display processing unit 506, and a dial processing unit 507. A PC interface processing unit 508, a control unit 510, and a memory 509. In the mobile phone 550 of the store, the function unit having the same name as the customer's mobile phone 100 basically has the same function as the function having the same name as the customer's mobile phone 100.

  When receiving a switching signal for switching between the voice communication mode and the data communication mode via the signal wireless communication interface 501, the communication method switching unit 503 switches the mode from the current mode to the other mode.

  The PC interface processing unit 508 transmits / receives data to / from a personal computer 560 of a store connected via the PC interface 55 in accordance with an instruction from the control unit 510.

  When the mobile phone 550 of the store is connected to the personal computer 560 of the store in the data communication mode, the personal computer 560 serves as an interface for transmitting / receiving data to / from the mobile phone 100 of the customer via the network 200. Play a role. In voice communication mode, you can talk alone.

  Next, a functional configuration of the store personal computer 560 will be described.

  FIG. 5 is a functional configuration diagram of the personal computer 560 of the store. As shown in the figure, a personal computer 560 of a store has a mobile phone interface 561 that is an interface with a mobile phone 550, a network interface 563 that is an interface with a network connected to the issuer system 400, and a mobile phone. A data processing unit 562 that processes data transmitted and received via the telephone interface 561 and the network interface 563. In addition, the memory includes a product database 565 in which prices, specifications, and the like of products sold by the store are stored.

  Next, the functional configuration of the issuer system 400 and the functional configuration of the charging device 700 will be described.

  FIG. 6 is a functional configuration diagram of the issuer system 400 and the charging device 700.

  As shown in the figure, the issuer system 400 includes a network interface 401 that is an interface with a personal computer of a store and a network connected to a bank, a charge device interface 402 that is an interface with the charge device 700, A data processing unit 403 that processes data transmitted and received via the network interface 401 and the charging device interface 402 is provided.

  The data processing unit 403 receives data related to depositing / withdrawing electronic money from the charging device 700 or the store system 500 and data for authentication, and confirms the password database 420 for authentication using the received data. Or update the data in the deposit / withdrawal history database 430.

  Further, the issuer system 400 stores a set of ID numbers and passwords in a memory, and stores a password database 420 used for authentication and a history of past deposits and withdrawals for each ID number. A history database 430.

  FIG. 8 shows an example of data held in the personal identification number database 420. As shown in the figure, a password database 420 is created for each unit that uses electronic money, such as a customer or a store, and a password 422 and an ID for identifying a user registered in advance for each unit. A pair with the number 421 is stored. At the time of authentication, the data processing unit 403 performs authentication by checking the data of the pair of the transmitted code number and ID number with the data of this database. Further, data necessary for debiting the amount requested to be charged by the bank, for example, data such as a customer or store bank name 424 and an account number 425 are also stored here. Note that data 423 for each customer or store, such as the name of the customer or store, may also be stored in this database.

  FIG. 9 shows an example of the deposit / withdrawal history database 430. As shown in the figure, the deposit / withdrawal history database 430 includes, for each ID number, an ID number storage unit 431 that stores an ID number, a date recording unit 432 that records a deposit / withdrawal date, and a deposit record that records a deposit / withdrawal amount. 433, a withdrawal recording unit 434, and a balance recording unit 435 for recording the balance.

  In the present embodiment, the latest balance recorded in the balance recording unit 435 is electronic money data. In the present embodiment, charging the electronic money data adds data of the amount indicated to the deposit / withdrawal history database 430. In addition, payment by electronic money data, which will be described later, is, for example, in the case of payment from a customer to a store, an amount corresponding to the amount to be paid is subtracted from the data corresponding to the customer's ID number, and the amount corresponding to the store's ID number is deducted accordingly. That is, processing for adding an amount of money to the corresponding data is performed.

  Next, a charging device 700 used when a customer charges electronic money using the electronic money card 800 will be described.

  In the present embodiment, as described above, by inserting the electronic money card 800 into the mobile phone 100 and transmitting data necessary for settlement stored therein using the data transmission / reception function of the mobile phone, Settlement using electronic money. On the other hand, in the present embodiment, the mobile phone 100 does not have a configuration for charging electronic money data. That is, in the present embodiment, in order to charge electronic money data, the charging device 700 and the electronic money card 800 must be used.

  FIG. 10 is an overview diagram of the charging device 700. As shown in the figure, the charging device 700 includes a dial button 41, a screen display unit 42, and a card reading unit 43.

  The dial button 41 is used for inputting a charge amount, entering a personal identification number, and the like. Further, a network interface unit (not shown) for communicating with the issuer system 400 via the network is provided. The functional configuration of the charging device 700 is as shown in FIG. 6, and a network interface 701 that is an interface with the network to which the issuer system 400 is connected, and a dial processing unit that processes input via the dial button 41 702, a display processing unit 703 that processes data to be displayed on the screen display unit, a card interface 705 that is an interface with the IC card, and a card reading processing unit 704 that processes data exchanged with the IC card. And a control unit 710 that controls the entire charging device.

  Next, the electronic money card 800 of this embodiment will be described.

  FIG. 11 is an overview diagram of an electronic money card 800 in the present embodiment. The electronic money card 800 is mounted with an IC chip 80 having a memory. It is possible to store personal information or the like in the memory in the IC chip 80. In addition, the electronic money card 800 includes a balance display unit 81 that displays a balance and the like. Characters can be printed and erased on the balance display portion 81, and the operation is controlled by the IC chip 80. The balance display unit 81 may be a liquid crystal display, for example.

  By providing the balance display unit 81, it is possible to confirm the charge amount and the balance from the outside without using a dedicated device. This is convenient for a person who is not good at confirming the amount of money when the parent gives a child a pocket money or giving a prepaid card or an electronic money card instead of cash, or for machine operation. However, in view of data protection, it is desirable to provide a means that makes the display contents different depending on, for example, light adjustment so that the display contents cannot be seen at a glance.

  FIG. 12 is a functional block diagram of the electronic money card 800 in the present embodiment. The IC chip 80 is a contact point with the mobile phone 100 and the charging device 700, and includes an interface unit 200 for inputting / outputting data to / from them and a read / write control unit 201 for reading and writing data in the memory. Prepare. The memory stores data indicating the final balance, personal information data, and electronic money card ID number data. The card balance storage unit 202, the personal information storage unit 203, and the ID number storage unit 204 are stored in the memory. And.

  The card balance storage unit 202 may be configured to hold a predetermined number of usage histories and a current final balance. In this case, the usage history includes date and deposit / withdrawal amount data. Further, the card balance storage unit 202 may be configured to be directly connected to the balance display unit 81 and display the memory contents.

  In addition, the electronic money card 800 may include a battery 82 that is necessary when the balance display is indicated by a liquid crystal display.

  The customer's mobile phone 100 and the store's mobile phone 550 described above are provided with a CPU, a ROM, a RAM, a voice processing unit, a display unit, a key input unit, and a wireless communication unit. The above functions are realized by executing the program stored in.

  Further, the store's personal computer 560 and the issuer's system 400 are realized by a normal information processing apparatus including a central processing unit, a memory, a wireless communication interface, and the like. Similarly, the above functions are realized by executing a program stored in the memory in advance.

  Next, processing when charging is performed using the electronic money card 800 in the charging device 700 will be described. The user registers in advance an own bank account that can be withdrawn, and withdraws the charge amount from the account at the same time as charging.

  FIG. 13 shows an example of charging operation by the electronic money card 800. In this embodiment, for the convenience of the customer, the charging device 700 is installed in a geographically distant place from the issuer system 400, and the issuer system 400 is a dedicated network or a network such as the Internet. It is assumed that they are connected via

  First, when receiving that the user has inserted the electronic money card 800 into the card reading unit 43 (step 1301), the control unit 710 causes the card reading processing unit 704 to read the ID number from the electronic money card 800. (Step 1302) A screen prompting the display processing unit 703 to input a personal identification number is displayed on the screen display unit 42 of the charging device 700, and a user input is awaited.

  When the password entered by the user is received (step 1303), the control unit 710 transmits the ID number together with the ID number to the issuer system 400 via the network interface 701 (step 1304).

  The data processing unit 403 of the issuer's system 400 that received the ID number / password combination via the charging device interface 402 accesses the password database 420 using the ID number as a key, and the received password is It is determined whether or not it matches the ID number PIN 420b (steps 1305 and 1306), and the result is returned to the charging device 700 as successful or unsuccessful authentication via the charging device interface 402 (step 1307).

  When the data indicating that the authentication is unsuccessful is received without matching, the control unit 710 displays a screen prompting the display processing unit 703 to input the personal identification number together with the data indicating the authentication failure on the screen display unit 42 again. And waits for user input (step 1308).

  When the authentication success data is received, the control unit 710 causes the display processing unit 703 to display a screen prompting the deposit of the charge amount on the screen display unit 42 and waits for a user input (step 1308).

  When the dial processing unit 702 receives the input of the amount via the dial button 41 (step 1309), the control unit 710 transmits the received amount to the issuer system 400 together with the ID number read in step 1302 (step 1309). 1310).

  Upon receiving the ID number and the amount, the data processing unit 403 of the issuer system 400 accesses the ID number database 420, extracts the code number, bank name, and account number of the data corresponding to the ID number, and receives it. The amount, password, and account number are transmitted to the bank system specified by the bank name through a dedicated network, and a withdrawal process is requested (step 1312).

  Upon receipt of the withdrawal end notification from the bank, the data processing unit 403 adds data indicating the amount withdrawn together with the date of processing to the user's usage history database, and updates the data indicating the final balance. Data indicating the subsequent final balance is transmitted to the charging device 700 of the transmission source (step 1314).

  The control unit 710 that has received the data indicating the final balance causes the card reading processing unit 704 to transmit the received data to the electronic money card 800 inserted via the card interface 705. The read / write control unit 201 of the electronic money card 800 updates the data held in the card balance storage unit 202 with the data received via the interface unit 200 (step 1316).

  In addition, the user of the electronic money card 800 may be configured to deposit money directly into the charging device. In this case, authentication processing, money amount input processing, bank account debit processing, and the like are not required in the above processing.

  In the above processing, a screen for accepting selection of any of the final balance display, the usage history display, and the charge may be displayed.

  For example, after acquiring the ID number, when a screen for accepting selection of final balance display or password input is displayed and an instruction for final balance display is accepted, the charging device 700 receives the card balance of the electronic money card 800. The storage unit 202 is accessed, and data indicating the balance is read therefrom and displayed on the screen display unit 42.

  Further, instead of displaying a screen for inputting the deposit amount, when a screen for accepting selection of usage history display or charge is displayed and an instruction to select usage history display is accepted, the charging device 700 accepts The ID number and the instruction are transmitted to the issuer system 400, and the data of the corresponding ID number in the deposit history database 430 is received from the issuer system 400 and displayed on the display unit.

  When a charge instruction is accepted, a screen prompting the deposit of the charge amount is displayed on the screen display unit 42 as in step 1309 and the user input is awaited.

  Next, using the electronic money card 800, the customer uses the mobile phone 100 to transmit / receive data to / from the mobile phone 510 of the store, make a call, and make a purchase. An example will be described below.

  FIG. 14 is a diagram for explaining a procedure of processing at the time of shopping.

  When the customer accepts that the electronic money card 800 has been inserted into the IC card interface 125 of the mobile phone 100 (step 1401), the IC card reading processing unit 108 reads from the electronic money card 800 via the reading / writing processing unit 201. ID number data in the ID number storage unit 204 is received.

  The control unit 110 holds the ID number and the data indicating the balance received by the IC card reading processing unit 108 in the ID number storage unit 109a of the memory 109, and the display processing unit 106 stores the data of the store connected to the panel display device 34. The display prompts the user to input an address and waits for input.

  When the dial processing unit 107 receives an input of a connection destination address via the dial button 31, the control unit 110 stores the connection destination address in the connection destination address storage unit 109 d of the memory 109, and the display processing unit 106 stores the panel display device 34. And the data communication unit 105 generates data requesting product information to be transmitted to the address (step 1402).

  The control unit 110 sends the data generated by the data communication unit 105 to the destination address via the wireless communication interface 101.

  Upon receiving data requesting product information from the customer's mobile phone 100, the control unit 510 transmits a request for product information from the PC interface processing unit 508 to the personal computer 560 via the PC interface 55.

  The personal computer 560 that has received the request for product information returns the product information and data for accepting selection for purchase to the mobile phone 550 (step 1403). When the PC interface processing unit 508 receives the product information and the data for selection via the PC interface 55, the control unit 510 sends the data communication unit 505 a telephone for calling the mobile phone 550 of its own. The number data is added and transmitted to the transmission source mobile phone 100.

  Upon receiving the product information, the data for selection, and the telephone number of the transmission source mobile phone 550 via the wireless communication interface unit 101, the control unit 110 causes the data processing unit 105 to process the received data and The number is stored in the telephone number storage unit 109c of the memory 109, and the display processing unit 106 displays the received product information and data for accepting the selection on the panel display device 34, and waits for an input of the selection.

  At this time, when a mode switching instruction is received from the dial processing unit 107 via the dial button 31, the control unit 110 generates and generates a switching signal that instructs the data processing unit 106 to switch to voice communication. The switching signal is transmitted to the address of the mobile phone 510 of the other party via the wireless communication interface 101, and the communication mode switching unit 103 switches its own mode from the data communication mode to the voice communication mode (step 1404).

  When the data communication unit 505 receives a switching signal that is an instruction to switch to voice communication, the control unit 510 causes the communication method switching unit 503 to switch its own mode to voice communication (step 1405).

  The control unit 110 sets a communication path with the telephone number stored in the telephone number storage unit of the memory 109 via the wireless communication interface 101, and the display processing unit 106 is in a state where a call can be made. Is displayed on the panel display device 34.

  In this state, the customer can inquire about the product, obtain a reply from the store, or communicate with the store clerk by voice call.

  Next, when the mobile phone 100 of the customer receives a mode switching instruction from the dial processing unit 105 via the dial button 31, the control unit 110 changes its mode to the voice communication mode by the communication method switching unit 103. Then, the data processing mode is changed to the data communication mode, and the data processing unit 106 is caused to generate a switching signal instructing the mode switching, and the generated switching signal is transmitted to the address of the mobile phone 510 of the other party (step 1406). The data communication unit 505 that has received the switching signal switches its communication mode (step 1407).

  Thereafter, the control unit 110 causes the display processing unit 106 to display product information and screen data for accepting selection on the panel display device 34 (step 1408).

  Upon accepting the input of the data of the desired product such as the product number and the number indicating the selection of the desired product to be purchased from the dial processing unit 105 via the dial button 31, the control unit 110 receives the data processing unit 105. Transmission data of a predetermined format is generated from the data and the ID number held in the memory 109, and is transmitted to the address of the mobile phone 550 of the store held in the connection destination address storage unit 109b via the wireless communication interface 101. To do.

  The control unit 510 of the mobile phone 550 of the store causes the data communication unit 505 to process the received data.

  The control unit 510 causes the PC interface processing unit 508 to transmit the ID number extracted from the data received by the data communication unit 505 and the data of the desired product to be purchased from the PC interface 55 to the personal computer 560 of the store.

  The data processing unit 562 of the store's personal computer 560 temporarily stores the received data in the memory (step 1409), and then transmits the ID number to the issuer's system 400).

  The received data processing unit 403 of the issuer system 400 accesses the deposit / withdrawal history database 430, extracts a balance from data having an ID number matching the received ID number (step 1410), and stores data indicating the balance. To the personal computer 560 of the store.

  The data processing unit 562 that has received the data indicating the balance temporarily stores the data in the memory, and compares the total amount calculated from the data of the purchase desired product stored in the memory in the above processing with the received balance.

  If the balance is smaller, the data processing unit 562 transmits data indicating a shortage of balance to the transmission source mobile phone 100 via the mobile phone 550.

  When receiving data indicating a shortage of balance, the control unit 110 causes the display processing unit 106 to display the fact on the panel display device 34 and ends the process.

  When the balance is larger than the total amount of items desired to be purchased in the comparison with the balance, the data processing unit 562 of the personal computer 560 of the store uses the received data of the desired item for purchase and the data stored in the item database 565. Then, the purchase merchandise item data is created and transmitted to the transmission source mobile phone 100 via the mobile phone 550 (step 1411).

  When the data communicator 105 receives the purchased product detail data via the wireless communication interface 101, the controller 110 approves the display processor 106 via the predetermined button of the dial button 31 together with the processed data. Alternatively, data for prompting cancellation is displayed on the panel display device 34.

  When the dial processing unit 106 receives an approval instruction via the dial button 31, the control unit 110 causes the data communication unit 105 to generate data indicating approval, and the mobile of the transmission source store via the wireless communication interface 101. The approval data is transmitted to the telephone 550 (step 1412).

  When the data communication unit 505 receives the approval data via the wireless communication interface 501, the control unit 510 sends the approval data from the PC interface processing unit 508 to the personal computer 560 of the store via the PC interface 55.

  Upon receipt of the approval instruction, the data processing unit 562 of the store's personal computer 560 was previously provided by the issuer system 400 with the received customer ID number, the data indicating the total amount calculated in the above steps, and so on. The store's own ID number is transmitted to the issuer's system 400 in a predetermined format, and an amount DOWN request for subtracting the total amount of data is generated and sent to the mobile phone 550 (step 1413).

  The data processing unit 403 of the issuer system 400 updates the deposit / withdrawal history database 430 with the received data (step 1414). That is, the purchase amount data is subtracted from the customer data, and the purchase amount data is charged to the store data.

  The control unit 510 of the mobile phone 550 that has received the amount DOWN request causes the data communication unit 504 to transmit to the transmission source mobile phone 100 via the wireless communication interface 501.

  The control unit 110 of the mobile phone 100 that has received the money amount DOWN request notifies the IC card reader 108 of the request to the electronic money card 800 via the IC card interface 125.

  The read / write processing unit 201 of the electronic money card 800 that has received the amount DOWN request newly adds data indicating the amount after subtracting the amount of money received from the balance of the card balance memory 202 to the final balance. It is recorded as data (step 1415).

  When the above processing is completed, the reading / writing processing unit 201 notifies the IC card reading unit 108 of the processing end via the IC card interface 125, and the control unit 110 notifies the IC card reading unit 108 that the processing has ended. Is received, the display processing unit 106 is made to display on the panel display device 34 that the card can be removed, and the processing is terminated (step 1416).

  On the other hand, when a cancel instruction is received in step 1412, control unit 110 causes data communication unit 105 to generate data indicating cancellation and transmits the data to mobile phone 550 of the transmission source store.

  The mobile phone 550 that has received the cancellation data transmits it to the personal computer 560 of the store as it is, and the data processing unit 562 of the personal computer 560 of the store transmits the total amount data, the data of the desired product, and the mobile phone 100. All data held in the memory in the current transaction, such as ID data, is cleared, and notification to that effect is sent to the mobile phone 100 via the mobile phone 550.

  The mobile phone 100 that has received the cleared notification ends the processing.

  The electronic money data of the store can be exchanged at any time by depositing it into the store's own bank account via the issuer system 400. Also, the store can make payment using the same procedure using its own electronic money data held in the issuer's system 400.

  In addition, the merchandise is sent from the store later by mail or data transmission.

  In the above processing, the desired product for purchase is configured to be transmitted from the mobile phone 100 as data. It may be configured. In this way, detailed operations on the mobile phone can be reduced, and an environment closer to face-to-face shopping can be provided.

  In this embodiment, the case of shipping a product is shown, but for example, in the case of purchase of stock certificates, investment, etc., the same processing can be performed even if data such as a specification is transmitted instead of shipping of goods. Become.

  Furthermore, in the present embodiment, the electronic money card 800 is described as being used. However, the present invention is not particularly limited as long as the medium has the same function and memory as those of the IC chip 80 mounted on the electronic money card 800. . In this case, in the mobile phone 100, instead of reading the electronic money card 800, the medium is read.

  As described above, in this embodiment, by using the charging device 700, it is possible to repeatedly charge an electronic money card many times. For this reason, there is no waste of throwing away a card like a prepaid card.

  Further, when charging electronic money data, a personal identification number or the like is required. When payment is made via a mobile phone, the personal identification number is not required. For this reason, for example, by giving the child the electronic money card of the present embodiment and the mobile phone, the parent can be given a pocket money that cannot be increased by himself.

  Further, in the present embodiment, by transmitting a mode switching instruction at the time of product selection, the communication mode of the mobile phone used for transmission / reception of product data can be switched from the data communication mode to the voice communication mode. For this reason, the customer can select, determine, and pay for a product while communicating with a store clerk about a question about the product by voice communication. Thereby, the customer can obtain an environment closer to shopping in person.

  Furthermore, since the amount can be displayed on the IC chip mounted on the electronic money card, a dedicated device is not required for confirming the charge amount or the balance.

  By giving an electronic money card and a mobile phone to the child, the parent can give money in a form that cannot be increased by himself. In addition, it is possible to shop in an environment close to face-to-face shopping while in a remote place.

FIG. 1 is a diagram showing an overall system configuration of the present embodiment. FIG. 2 is an overview of the customer's mobile phone according to the present embodiment. FIG. 3 is a functional configuration diagram of the customer's mobile phone according to the present embodiment. FIG. 4 is a functional configuration diagram of the mobile phone of the store according to the present embodiment. FIG. 5 is a functional configuration diagram of the personal computer of the store according to the present embodiment. FIG. 6 is a functional configuration diagram of the issuer system and the charging device according to the present embodiment. FIG. 7 is a diagram for explaining an example of data stored in the memory of the customer's mobile phone according to the present embodiment. FIG. 8 is a diagram for explaining an example of the personal identification number database of the present embodiment. FIG. 9 is a diagram for explaining an example of the deposit / withdrawal history database according to the present embodiment. FIG. 10 is an overview of the charging device of this embodiment. FIG. 11 is an overview of the electronic money card of the present embodiment. FIG. 12 is a functional block diagram of the electronic money card of the present embodiment. FIG. 13 is a processing flow for explaining an example of the charging operation of the present embodiment. FIG. 14 is a diagram for explaining the procedure of payment processing at the time of shopping according to the present embodiment.

Explanation of symbols

100a to 100n: customer's mobile phone, 200: network, 400: electronic money issuer system, 500a to 500n: store system, 550: store mobile phone, 560: store personal computer, 600: bank settlement network , 700: charging device, 31 ... dial button, 32 ... microphone, 33 ... speaker, 34 ... panel display device, 35 ... IC card interface, 101 ... wireless communication interface, 103 ... Communication system switching unit, 104 ... Voice communication unit, 105 ... Data communication unit, 106 ... Display processing unit, 107 ... Dial processing unit, 108 ... IC card processing unit, 109 ... Memory, 110 ... Control unit, 550 ... Store mobile phone, 51 ... Dial button 52 ... Microphone, 53 ... Speaker, 54 ... Panel display device, 55 ... PC interface, 501 ... Wireless communication interface, 503 ... Communication system switching unit, 504 ... Voice communication 505 ... Data communication unit 506 ... Display processing unit 507 ... Dial processing unit 508 ... PC interface processing unit 509 ... Memory 510 ... Control unit 560 ..Store personal computer, 561... Mobile phone interface, 562... Data processing unit, 563... Network interface, 565.

Claims (4)

A first portable terminal used by a user having a voice communication function and a data communication function, and a second portable terminal used by a store, each of which is necessary for settlement using the data communication function of both portable terminals. A payment system in which a user performs payment for purchasing a product from a remote store by transmitting and receiving data,
The first portable terminal has a telephone number address storage means for storing a telephone number for voice communication and a transmission destination address for data communication of the second portable terminal;
A switching instruction receiving means for receiving an instruction to switch between a voice communication mode for performing voice communication and a data communication mode for performing data communication;
When the switching means accepts the switching instruction, the mode is switched from the current mode to another mode, a switching signal is transmitted to the second portable terminal, and the telephone number stored in the telephone number address storage means Or a mode switching means for connecting to the second portable terminal in the mode after switching using an address,
The second portable terminal is
Comprising a communication mode switching means for switching its own communication mode from the current mode to another mode upon receiving the switching signal from the first portable terminal;
A payment system characterized by The payment system according to claim 1,
Electronic money data issuance management means for managing electronic money data of each of the user and the store, and a portable recording medium,
The electronic money issue management means includes:
Electronic money data storage means for managing the electronic money data of the user and the store together with ID data for identifying each of the electronic money data;
Authentication data storage means for associating and storing the ID data and the respective passwords as authentication data;
Amount accepting means for accepting data indicating an amount for increasing or decreasing electronic money data together with the ID data;
Authentication means for receiving input of the ID data and the password, and performing an authentication process using the received ID data, password, and the authentication data;
An electronic money data charging means for increasing the amount of electronic money data corresponding to the ID data received by the money amount receiving means of the electronic money data storage unit according to the received money amount when the authentication means succeeds;
Electronic money data withdrawal means for reducing the amount of electronic money data corresponding to the ID data received by the amount acceptance means according to the accepted amount;
The portable medium stores the ID data,
The first portable terminal is
ID acquisition means for acquiring the ID data from the portable medium,
The ID acquired by the ID acquisition means is transmitted together with the data necessary for the settlement using the data communication function,
The second portable terminal is
Transmission means for transmitting the ID data transmitted from the first mobile phone to the electronic money issuance management means together with an amount corresponding to the price of the product to be purchased by the user calculated from the data required for the settlement Further comprising
A payment system characterized by Data necessary for settlement between the first portable terminal used by the user having the voice communication function and the data communication function and the second portable terminal used by the store using the respective data communication functions. A method for purchasing products in which payment is made by sending and receiving and a user purchases a product from a remote store,
While the data necessary for the settlement is being transmitted / received between the first portable terminal and the second portable terminal using the data communication function, the user at the first portable terminal When receiving an instruction to switch the mode between the voice communication mode for performing voice communication and the data communication mode for performing data communication,
Transmitting a mode switching signal to the second portable terminal;
Using the telephone number for voice communication of the second portable terminal that is held in advance to set a speech path for voice communication with the second portable terminal;
While receiving the voice communication, when receiving a mode switching instruction from the user in the first portable terminal,
Transmitting a mode switching signal to the second portable terminal;
A method for purchasing merchandise, comprising: transmitting data received thereafter to a connection address for data communication of the second portable terminal that is held in advance. A portable terminal having a voice communication function and a data communication function,
An access destination storage unit for storing a telephone number for voice communication of the same communication partner and an address for data communication;
A switching instruction accepting unit for accepting switching between the voice communication function and the data communication function;
In the switching instruction receiving unit, when receiving an instruction to switch from voice communication to data communication, connected to the address stored in the access destination storage unit, and receiving an instruction to switch from data communication to voice communication, A connection destination switching unit for connecting to a telephone number stored in the access destination storage unit;
A portable terminal comprising: