JP2005092338A - Electronic settlement system and register device - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system allowing easy and quick settlement between bank accounts even when performing relatively inexpensive purchase of a commodity or payment, and to provide a register device used for the electronic settlement. <P>SOLUTION: This electronic settlement system has the register device, a customer side terminal and a network bank or the like server communicable via an electric communication line, reads a commodity information code displayed on a code information display screen of the register device by a code information reading means of the customer side terminal, and transmits information about a price transfer request to the network bank or the like server on the basis of the commodity information code. The network bank or the like server makes price transfer settlement in an account database recorded with account information about the customer side terminal and account information about the register device on the basis of the price transfer request transmitted from a transfer request means. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an electronic payment system and a register device used for payment.

  Conventionally, when a customer purchases a product at a retail store or the like, a payment method such as a credit card can be used so that the customer can always make a transfer payment without having cash. However, the merchant who sells the product must pay a large amount of fees to be paid to the credit card company, and the product price is recorded as accounts receivable until the payment is made from the credit card company. There was an aspect that was preferred.

  Also, the customer needs to pay attention to the management of credit card information in order to prevent the risk of credit card loss or counterfeiting, and in addition, as a general rule, a signature is required at the time of settlement. There is a problem that cash settlement is more convenient when purchasing commodities and paying for relatively small items. In addition, there is a problem that it is necessary to wait for the approval of the credit company when purchasing a high priced product.

  In recent years, mobile phones have been rapidly spreading to general consumers. Mobile phone terminals are becoming more sophisticated year by year, and terminals equipped with communication functions, information processing functions, digital camera functions, and the like in addition to telephone functions have been put into practical use. Since it is assumed that a mobile phone is always carried around when going out, a method of providing various services using a mobile phone terminal when making a payment transfer is also proposed (for example, Patent Document 1 and Patent Document 2).

JP 2002-63652 A JP 2003-6736 A

  However, according to the technique described in Patent Document 1 described above, it is necessary to perform information communication between the mobile phone terminal and the register device using short-range wireless communication such as Bluetooth. However, since mobile phone terminals equipped with specific short-range wireless communication technology need to be widespread, in the current situation, it is unclear what communication standards will be used, so the standards for mobile phone terminals and register devices will be unified. It is difficult. Therefore, there is a problem that it is difficult to improve convenience until the technology is widely spread and the technology can be used even in small retail stores.

  In addition, according to the technique described in Patent Document 2 described above, it is possible to manage customer information and provide services such as discounts by reading a barcode displayed on a mobile phone terminal with a register device. is there. However, since it is necessary to display information such as customer information and purchase history on the mobile phone terminal, the information is transmitted from the register device to the mobile phone terminal by accessing the server from the mobile phone terminal. Therefore, the user is required to access the server in order to enjoy the service, and there is a problem that the procedure becomes complicated.

  In both Patent Document 1 and Patent Document 2, since a mobile phone terminal is used for information management of customer service, not as a means of payment, a user may make payment with cash or a credit card. is necessary. Therefore, the point that the user needs to have cash and the procedure such as signature is required is the same as the conventional price settlement, and it is difficult to make settlement between accounts easily and quickly. .

  Therefore, the invention of the present application is used for an electronic payment system and an electronic payment system that can easily and quickly make a settlement between bank accounts with a low transfer fee even when purchasing a relatively small amount of goods or making a payment. It is an object of the present invention to provide a register device.

In order to solve the above-described problems, an electronic payment system of the present invention has a register device, a customer terminal, and a payment server that can communicate via a telecommunication line, and the register device displays a merchandise information code. Code information display screen and a register communication means for performing information communication with the settlement server, the customer side terminal for reading the product information code displayed on the code information display screen Code information reading means, and transfer request means for transmitting information on the price transfer request to the payment server based on the product information code, the payment server including the account information of the register device and the customer An account database in which the account information of the terminal is recorded, and the register is based on the price transfer request transmitted from the transfer request means And performing payment transfer settlement in the account information and the account information of the customer side terminal of the location.

  Users can simply and quickly make payment transfer payments simply by reading the product information code displayed on the register device at the customer's terminal and sending the payment transfer request to the payment server. It is possible to improve the property. In addition, the store side where the register device is installed does not need to pay a large fee as in the case of payment with a credit card, and it becomes possible to collect the product price easily and quickly.

  In addition, when the electronic payment system includes a plurality of register devices, a store management server that centrally manages information communication between the plurality of register devices and the payment server may be provided. In addition, by connecting a plurality of register devices and a store management server, and connecting the store management server and a settlement server, sales management and management of sales information in the plurality of register devices are combined with the POS system in the store. Can be centrally managed by the central server.

  Further, a barcode or a two-dimensional barcode can be used as the product information code. For barcodes and two-dimensional barcodes, code readers and code creation methods have already been proposed, and existing techniques can be used, which makes it easy to implement an electronic payment system. Further, the product information code may include an account number corresponding to the register device, a price, a store name, a product information code as required, and the like.

  Further, the information on the price transfer request may be encrypted and transmitted to the settlement server. Since the customer terminal and the payment server are connected via a wired information communication network such as wireless information communication or the Internet, information is encrypted in order to prevent unauthorized actions such as eavesdropping and impersonation and loss of information. It is possible to improve the certainty and confidentiality of the electronic payment system by using. At this time, encryption of information may be processed on the settlement server side.

  The electronic payment system of the present invention includes programmed electronic information, a customer terminal, and a payment server that can communicate via an electric communication line, and the programmed electronic information includes code information for displaying a merchandise information code. A display screen, and the customer side terminal transfers a price information to the settlement server based on the code information reading means for reading the product information code displayed on the code information display screen and the product information code. Transfer request means for transmitting request information, and the settlement server includes an account database in which account information of the program electronic information and account information of the customer side terminal are recorded, and is transmitted from the transfer request means. Based on the transfer request, the payment information is settled with the account information of the program electronic information and the account information of the customer terminal. To.

  The user can easily and quickly simply read the product information code displayed on the screen by the electronic program information on a personal computer connected to the Internet at the customer's terminal and send a payment transfer request to the payment server. In addition, it is possible to perform payment transfer settlement, and it is possible to improve convenience at the time of product purchase.

  In order to solve the above problems, the register device of the present invention is a register device that settles the price of a product purchased by a customer using a settlement server connected via a telecommunication line, and stores the product information code. It has a code information display screen for displaying and a confirmation screen for displaying account information recorded in the settlement server.

  By encoding and displaying the product information on the register device, the customer side terminal can simply and quickly read the product information code for the price transfer and simply send the price transfer request to the payment server. Transfer settlement can be performed, and convenience at the time of product purchase can be improved. In addition, the store side where the register device is installed does not need to pay a large fee as in the case of payment with a credit card, and it becomes possible to collect the product price easily and quickly. In addition, since the register device has a confirmation screen that displays the account information recorded in the payment server, both the store side and the user side can instantly check the contents of the payment between the accounts in the payment server. Thus, it becomes possible to make a secure payment using an electronic payment system.

  By using the electronic settlement system and the register device of the present invention, payment transfer settlement can be performed easily and quickly. As a result, the customer can purchase the product without having cash or a credit card at the time of purchase. In addition, the retailer does not need to pay a large amount of fees as in the case of credit card settlement, and it is possible to collect commodity prices similar to cash without recording as accounts receivable.

Hereinafter, an electronic payment system to which the present invention is applied and a register device used for electronic payment will be described in detail with reference to the drawings. In addition, this invention is not limited to the following description, In the range which does not deviate from the summary of this invention, it can change suitably.
[First embodiment]

  FIG. 1 is a diagram showing a configuration example of an electronic payment system according to the present invention, and an electronic payment system is configured including a server 1 such as an internet bank, a mobile phone terminal 2 and a register device 3. The server 1 such as an internet bank and the mobile phone terminal 2 are connected to each other via wireless communication and a telephone line network 4 of each communication company so as to be able to communicate with each other. Further, the server 1 such as the internet bank and the register device 3 are connected to each other via an information communication line 5 such as an Internet line network or a dedicated line so as to be able to communicate with each other.

  The server 1 such as an internet bank is an information processing apparatus for realizing a so-called internet bank or online bank managed and operated by a bank, and functions as a settlement server that performs deposit and withdrawal operations on a bank account opened by a customer. To do. The server 1 such as an internet bank also includes an information processing means 11 that is a computer that performs computations by executing predetermined procedures, an account database 12 in which bank account information established by customers and stores is recorded, a telephone line And communication means 13 for communicating information according to a predetermined protocol via the network 4 and the information communication line 5. The Internet bank server 1 also has a web server that is a settlement window of a bank known as an Internet bank or an online bank, and is connected to the mobile phone terminal 2 and the register device 3 via the Internet bank web page. Information is communicated using deposit and withdrawal operations.

  The mobile phone terminal 2 is a mobile phone that can be used not only as a terminal device for calls but also as an information communication terminal, and functions as a customer side terminal. In addition, the mobile phone terminal 2 includes an information processing unit 22 that is a processor that performs a calculation by executing a predetermined procedure, a code information reading unit 21 for reading a product information code displayed on the register device 3, and a telephone line network 4. And a communication means 23 for communicating information according to a predetermined protocol, and an input means 24 such as a button and a dial for operating the cellular phone terminal 2. In addition, as with a normal mobile phone terminal, a screen for displaying predetermined information such as a phone number, an address book, the contents of an e-mail or a web page is provided.

  In the mobile phone terminal 2, the information processing unit 22 processes information based on the product information code read by the code information reading unit 21 and performs information communication with the server 1 such as an internet bank using the communication unit 23. Do. Therefore, the functions of the information processing unit 22 and the communication unit 23 are combined to function as a transfer request unit that transmits information on the price transfer request. As the code information reading means 21, a semiconductor device such as a charge-coupled device (CCD) sensor or a complementary metal-oxide semiconductor (CMOS) sensor can be used. Further, the bar code read by the code information reading means 21 is converted into a number by the information processing means 22 and displayed on the screen.

  The register device 3 is a register device used for calculation of commodity prices, cash storage, etc., and is connected to a POS (point-of-sale) system in the same manner as a register device used in an ordinary retail store or the like. It is good. The register device 3 includes an information processing means 31 that is a processor that performs a calculation by executing a predetermined procedure, a code information display screen 32 for displaying an aggregated product price as a product information code, a telephone line network 4 and information A communication means 33 for communicating information according to a predetermined protocol via the communication line 5, a display screen 34 for displaying various information such as a settlement result in the server 1 such as an internet bank and the amount of purchased goods, and the price of the goods Further, an input means 35 such as a keyboard and buttons for operating the customer information and the register device 3, and a barcode scanner 36 for reading a barcode attached to the product are provided.

  By encoding and displaying the product information in the register device 3, the mobile phone terminal 2 which is the customer side terminal instantaneously reads the product information code for the price transfer, and makes a price transfer request to the server 1 such as an internet bank. It is possible to simply and quickly make a transfer payment simply by sending the message, and it is possible to improve convenience when purchasing the product. Further, at the store side where the register device 3 is installed, it is not necessary to pay a large amount of fee as in the case of payment with a credit card, and it becomes possible to collect the product price easily and quickly.

  Further, the figure schematically shows a state in which the product information code displayed on the code information display screen 32 of the register device 3 is read by the code information reading means 21 of the mobile phone terminal 2. At this time, the merchandise information code displayed on the code information display screen 32 may employ a method of representing predetermined information in a graphic form using a barcode or two-dimensional barcode format. For barcodes and two-dimensional barcodes, code readers and code creation methods have already been proposed, and existing techniques can be used, which makes it easy to implement an electronic payment system.

  Further, the product information code may include not only the total price of the purchased product but also the purchase date and time, the time to the second unit, the name of the store where the product was sold, and the like. By including various information in the merchandise information, it is possible to record the transaction details in detail during the inter-account settlement at the server 1 such as an internet bank. Further, the product information code may include an account number corresponding to the register device, a price, a store name, a product information code as required, and the like.

  FIG. 2 is an external view showing a configuration example of the register device 3 used in the electronic settlement system of the present invention, FIG. 2 (a) is a right side view, FIG. 2 (b) is a left side view, FIG. 2 (c) is a front view on the customer side, FIG. 2 (d) is a rear view, and FIG. 2 (e) is a top view. As described above, the register device 3 includes the code information display screen 32, the display screen 34, the input means 35, and the barcode scanner 36, and the outer shape is formed by the housing 37 and the cash storage box 38. .

  The casing 37 is a trapezoidal member having a trapezoidal side surface as shown in the figure. The code information display screen 32 is arranged on the front side of the customer side, and the display screen 34 is arranged on the rear side of the store clerk side. Yes. In addition, a rotatable display 39 having display surfaces on both sides of the customer side and the store clerk side is attached to the upper portion of the housing 37 so that information can be displayed also on the customer side. An information processing unit 31 and a communication unit 33 are built in the housing 37, and a barcode scanner 36 is connected to one side surface of the housing 37. In the drawing, in order to improve the stability of the casing 37, the side surface of the casing 37 is shown as an example having an angle of about 60 degrees with respect to the horizontal direction. However, the outer shape of the casing 37 is trapezoidal. There is no need, and any shape such as a cylindrical shape or a rectangular parallelepiped may be used.

  In addition, a payment button 40 is attached to the register device 3, and when the payment transfer payment is completed with the server 1 such as an internet bank, the store clerk presses the payment button 40 to issue a receipt or a POS system. The transaction establishment information is transmitted to.

  The cash warehousing box 38 is a device for storing cash inside and taking out cash when necessary, and an input means 35 is arranged on the upper side or the side surface. Further, the register device 3 is connected to a normal POS system, and can immediately grasp the information, manage the inventory, and manage the customer information by transmitting the product sales status in the store as information. The customer information service can be provided according to the purchase history. The rotation display unit 39 is a device that displays the total amount of products purchased by the customer. The register device 3 includes a display screen 34 and a rotation display unit 39 as a confirmation screen for displaying the account information recorded in the server 1 such as the Internet bank. Therefore, it is possible to instantly confirm the contents of the price settlement between the accounts, and it is possible to safely perform the settlement using the electronic settlement system.

  Next, the procedure from merchandise purchase to price settlement using the electronic settlement system of the present invention will be described using the flowchart of FIG. Prior to the procedure described below, the customer who pays the price and the store where the price is collected open an account in the bank that manages and manages the server 1, such as an internet bank, and establishes a communication line. Suppose you are ready to withdraw and transfer money in your account. Further, in this embodiment, both the customer and the store are managed by the same Internet bank server 1, but each account is managed between different banks. In some cases, payment may take time. In addition, an individual account corresponding to the register device 3 may be opened in the server 1 such as the net bank.

  In step 1, the customer carries the merchandise purchased at the store to an accounting counter where the register device 3 is installed, and the store clerk reads the bar code attached to each product using the bar code scanner 36 of the register device 3. Go and collect the product price. At this time, the register device 3 obtains product information such as product type and price based on the barcode attached to the product and the product database recorded by the POS system. When the barcode is not attached to the product or when the barcode cannot be read accurately, the corresponding product can be aggregated using the input means 35.

  In step 2, the information processing means 31 of the register device 3 adds information for identifying the register device to the product information tabulated in step 1 and store account information in the server 1 such as an internet bank, Create a two-dimensional barcode. As the two-dimensional barcode, for example, a QR code, PDF417, DataMatrix, Maxi Code, or the like can be used.

  In step 3, the register device 3 displays the product information code on the code information display screen 32. At this time, by simultaneously displaying information such as the price and total price of each product on the display screen 34 and the rotation display unit 39, the customer and the store clerk can confirm the product price.

  In step 4, the customer reads the product information code displayed on the code information display screen 32 using the code information reading means 21 of the mobile phone terminal 2. Specifically, for example, the customer uses the camera unit built in the mobile phone terminal 2 as the code information reading means 21, and uses the bar code displayed on the liquid crystal display screen, which is the code information display screen 32, as the product information code. Shoot as.

  In step 5, the information processing means 22 converts the product information code from graphic data to numerical data, and uses the communication means 23 to send the information on the product price paid to the store and the account information of the store to the transfer request information. And transmitted to the server 1 such as an internet bank. At this time, the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit. When transmitting the price transfer request information, the price transfer request information may be encrypted and transmitted to the server 1 such as the Internet bank, but communication is performed using the encryption of the web page provided by the server 1 such as the Internet bank. Also good. Since the mobile phone terminal 2 and the Internet bank server 1 are connected by a wired information communication network such as wireless information communication or the Internet, in order to prevent fraudulent acts such as eavesdropping and impersonation and information loss, For example, the reliability and secrecy of the electronic payment system can be improved by using public key infrastructure encryption or the like. Further, IEEE802.11i standard may be used for the wireless information communication part.

  In this step, the customer operates the mobile phone terminal 2 to access the web page of the Internet bank provided by the server 1 such as an internet bank, inputs his / her account number and PIN from the mobile phone terminal 2 and transfers the money. Confirm the price and approve the transfer work. As described above, the customer side may perform a plurality of procedures on the mobile phone terminal 2. It is also possible to access to the server 1 such as a net bank using a bank account number and a password registered in advance in the mobile phone terminal 2.

  In step 6, the communication means 13 of the server 1 such as an internet bank receives the price transfer request information. At this time, if the price transfer request information is encrypted, the information processing means 11 decrypts the information to obtain customer account information, payment price information, and store-side account information to which the price is transferred. To do.

  In step 7, the Internet bank server 1 records in the account database 12 based on the transfer price included in the price transfer request information, the account information of the customer as the transfer source, and the account information of the store as the transfer destination. The amount of money equivalent to the transfer amount is transferred from the customer's bank account to the store's bank account. As a result, the payment is made from the customer's account to the store's account, and the store collects the price of the product purchased by the customer.

  In step 8, the network bank server 1 displays the change information of the store side account generated by the transfer operation of the account database 12 on the web page which is the window, thereby using the communication means 13 via the Internet network or the like. It transmits to the register device 3. The change information of the store-side account may include the amount transferred from the customer's account to the store's account, the settlement date, the time to the second unit, and the like. At this time, the information processing unit 11 may improve the confidentiality by encrypting and transmitting the change information of the store-side account.

  In step 9, the communication means 33 of the register device 3 receives the change information of the store side account as a display on the web page, and displays the change information of the store side account by displaying a web page such as an Internet bank on the display screen 34. indicate. As a result, it is possible to confirm the price transfer settlement work at the server 1 such as an internet bank and deliver the product.

As described above, by using the electronic settlement system and the register device of the present invention, it is possible to easily and quickly make a transfer payment. This makes it possible for customers to improve convenience when purchasing products, and the retailer does not have to pay a large amount of fees as in the case of credit card settlement, and cash is not recorded as accounts receivable. It is possible to collect similar product prices.
[Second Embodiment]

  Next, as another embodiment of the electronic settlement system of the present invention, an example in which information on sales price reports is transmitted from the register device 3 to the store management server will be described. FIG. 4 is a diagram showing a configuration example of an electronic payment system according to the present embodiment. The electronic payment system includes a server 1 such as an internet bank, a mobile phone terminal 2, a plurality of register devices 3, and a store management server 6. ing. The server 1 such as an internet bank and the mobile phone terminal 2 are connected to each other via wireless communication and a telephone line network 4 of each communication company so as to be able to communicate with each other. In addition, the Internet bank server 1 and the store management server 6 are connected to each other via an information communication line 5 such as an Internet line network or a dedicated line so that information communication is possible. Further, the store management server 6 and the plurality of register devices 3 are connected to each other via an information communication line such as a dedicated line so that information communication is possible.

  In order to avoid duplication of description of the same parts as those described in the first embodiment among the configurations and functions of the server 1, the mobile phone terminal 2, and the register device 3 in the present embodiment. Description is omitted.

  The store management server 6 includes information processing means 61 that is a computer that executes a predetermined procedure and performs computation, and communication means 62 that communicates information according to a predetermined protocol, and the register device 3 is disposed. Information management of merchandise sales and price settlement is performed by checking the price transfer and merchandise price between the plurality of stores and the server 1 such as the Internet bank. Further, the store management server 6 may function as a server that manages product sales information of the POS system. A plurality of register devices are connected to the store central server 6 online. In order for the store central server 6 to centrally manage information communication between the plurality of register devices and the server 1 such as an internet bank, the store central server 6 The connection with the server 1 such as a bank is preferably connected so that information communication is always possible.

Next, a procedure from merchandise purchase to price settlement using the electronic settlement system of the present embodiment will be described with reference to the flowchart of FIG. Prior to the procedure described below, the customer who pays the price and the store where the price is collected open an account in the bank that manages and manages the server 1, such as an internet bank, and establishes a communication line. Suppose you are ready to withdraw and transfer money in your account. Further, in this embodiment, both the customer and the store are managed by the same Internet bank server 1, but each account is managed between different banks. In some cases, payment may take time.

  In step 11, the customer carries the merchandise purchased at the store to an accounting counter where the register device 3 is installed, and the store clerk reads the bar code attached to each product using the bar code scanner 36 of the register device 3. Go and collect the product price. At this time, the register device 3 obtains product information such as product type and price based on the barcode attached to the product and the product database recorded by the POS system. When the barcode is not attached to the product or when the barcode cannot be read accurately, the corresponding product can be aggregated using the input means 35.

  In step 12, the information processing means 31 of the register device 3 adds the information for identifying the register device to the product information tabulated in step 11 and the account information of the store in the server 1 such as an internet bank, and uses the product information code. Create a two-dimensional barcode. As the two-dimensional barcode, for example, a QR code, PDF417, DataMatrix, Maxi Code, or the like can be used.

  In step 13, the register device 3 displays the product information code on the code information display screen 32. At this time, by simultaneously displaying information such as the price and total price of each product on the display screen 34 and the rotation display unit 39, the customer and the store clerk can confirm the product price.

  In step 14, the customer reads the product information code displayed on the code information display screen 32 using the code information reading means 21 of the mobile phone terminal 2. Specifically, for example, the customer uses the camera unit built in the mobile phone terminal 2 as the code information reading means 21, and uses the bar code displayed on the liquid crystal display screen, which is the code information display screen 32, as the product information code. Shoot as.

  In step 15, the information processing means 22 converts the merchandise information code from graphic data to numerical data, and uses the communication means 23 to send the information on the merchandise price paid to the store and the account information of the store. And transmitted to the server 1 such as an internet bank. At this time, the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit. When transmitting the price transfer request information, the price transfer request information may be encrypted and transmitted to the server 1 such as the Internet bank, but communication is performed using the encryption of the web page provided by the server 1 such as the Internet bank. Also good. Since the mobile phone terminal 2 and the Internet bank server 1 are connected by a wired information communication network such as wireless information communication or the Internet, in order to prevent fraudulent acts such as eavesdropping and impersonation and information loss, For example, the reliability and secrecy of the electronic payment system can be improved by using public key infrastructure encryption or the like. Further, IEEE802.11i standard may be used for the wireless information communication part.

  In this step, the customer operates the mobile phone terminal 2 to access the web page of the Internet bank provided by the server 1 such as an internet bank, inputs his / her account number and PIN from the mobile phone terminal 2 and transfers the money. Confirm the price and approve the transfer work. As described above, the customer side may perform a plurality of procedures on the mobile phone terminal 2. It is also possible to access to the server 1 such as a net bank using a bank account number and a password registered in advance in the mobile phone terminal 2.

  In step 16, the communication means 13 of the server 1 such as an internet bank receives the price transfer request information. At this time, if the price transfer request information is encrypted, the information processing means 11 decrypts the information to obtain customer account information, payment price information, and store-side account information to which the price is transferred. To do.

  In step 17, the information processing means 31 uses the communication means 33 as the sales report including the product price information paid by the customer to the store and the account information of the register device 3 as the sales report including the product price information. Send to. The contents of the sales report may include not only the price of the total product but also information such as the type and number of products.

  In step 18, the communication means 62 of the store management server 6 receives the sales report from the register device 3. The store management server 6 performs sales information management, inventory management, and the like in the POS system based on the received sales report.

  In step 19, the Internet bank server 1 records in the account database 12 based on the transfer price included in the transfer request information, the account information of the customer who is the transfer source, and the account information of the store which is the transfer destination. The amount of money equivalent to the transfer amount is transferred from the customer's bank account to the store's bank account. As a result, payment is transferred from the customer's account to the store's account, and the payment transfer is performed in which the store collects the price of the product purchased by the customer.

  In step 20, the network bank server 1 displays the change information of the store-side account generated by the transfer operation of the account database 12 on a web page as a window, thereby using the communication means 13 via the Internet network or the like. It transmits to the store management server 6. The change information of the store-side account may include the amount transferred from the customer's account to the store's account, the settlement date, the time to the second unit, and the like. At this time, the information processing unit 11 may improve the confidentiality by encrypting and transmitting the change information of the store-side account.

  In step 21, the communication means 62 of the store management server 6 receives the account information, and acquires change information of the store side account corresponding to the register device 3. At this time, the contents of the sales report received in step 18 are collated with the change in the account information, and the settlement work at the server 1 such as an internet bank is confirmed. Next, in step 22, the communication means 62 of the store management server 6 transmits the account information to the register device 3.

  In step 23, the communication means 33 of the register device 3 receives the store-side account change information and displays the store-side account change information on the display screen 34. Thereby, it is possible to confirm the settlement work at the server 1 such as the internet bank via the store management server 6 and deliver the product. When the change information of the store-side account is encrypted, the amount, the customer's name, the settlement date and time, the time to the second unit, etc. are obtained by decrypting by the information processing means 31.

By using the electronic settlement system and the register device of the present invention, payment transfer settlement can be performed easily and quickly. This makes it possible for customers to improve convenience when purchasing products, and the retailer does not have to pay a large amount of fees as in the case of credit card settlement, and cash is not recorded as accounts receivable. It is possible to collect similar product prices. In addition, by connecting a plurality of register devices and a store management server, and connecting the store management server and a server such as an Internet bank, sales management and management of sales information with a plurality of register devices can be integrated with the store management server. Can be managed.
[Third embodiment]

  Next, as another embodiment of the electronic settlement system of the present invention, an example in which programmed electronic information is used instead of the above-described register device will be shown. Similarly to the register device 3, the program electronic information includes information processing means that is a processor that executes a predetermined procedure and performs calculations, a code information display screen for displaying the total price of the product as a product information code, a telephone A communication means for communicating information according to a predetermined protocol via a line network and an information communication line, and a display screen for displaying various information such as settlement results at a server such as an internet bank and the amount of purchased goods are provided. . In the program electronic information, by displaying an online shopping site accessed via the Internet, a product information code such as a product, a price, and a two-dimensional barcode is displayed on the screen of the mail order device.

  The configurations and functions of the Internet bank server 1 and the mobile phone terminal 2 are the same as those in the first embodiment described above, and a description thereof will be omitted. In addition, the settlement procedure is the same as in the first embodiment.

  Program electronic information, for example, operates on a device that displays video such as a television receiver or a personal computer, along with descriptions of products sold on mail order programs or online shopping sites, barcodes, two-dimensional barcodes, etc. The product information code is displayed. Program electronic information is electronic information such as a web page or a program provided by an online shopping site.

  The customer reads the product information code displayed on the screen by the code information reading means 21 of the mobile phone terminal 2, and the information processing means 22 converts the product information code from graphic data to numerical data and pays it to the store. The product price information and the store account information are included in the price transfer request information using the communication means 23 and transmitted to the server 1 such as the Internet bank. At this time, the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit.

  Thereafter, as described above, account settlement is performed at the server 1 such as an internet bank. The program electronic information encodes and displays the product information on the mail order device, so that the mobile phone terminal 2 which is the customer terminal instantaneously reads the product information code for the price transfer, On the other hand, it is possible to simply and promptly perform a payment transfer simply by sending a payment transfer request, and it is possible to improve convenience when purchasing a product.

It is a figure which shows the structure of the electronic payment system in 1st embodiment of this invention. It is an external view which shows the structural example of the register apparatus used for the electronic payment system in 1st embodiment of this invention. It is a flowchart which shows the procedure of Example 1 for performing price transfer payment using the electronic payment system in 1st embodiment of this invention. It is a figure which shows the structure of the electronic payment system in 2nd embodiment of this invention. It is a flowchart which shows the procedure of Example 2 for performing price transfer payment using the electronic payment system in 2nd embodiment of this invention.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Net bank etc. server 2 Mobile telephone terminal 3 Register apparatus 4 Telephone line network 5 Information communication line 6 Store management server 11, 22, 31 Information processing means 12, Account databases 13, 23, 33, 62 Communication means 21 Code information reading means 24 Input means 32 Code information display screen 34 Display screen 35 Input means 36 Bar code scanner 37 Case 38 Cash storage box 39 Rotation display section

Figure 2 is an external view showing a configuration example of a cash register 3 is found using the electronic settlement system of the present invention, FIG. 2 (a) is a right side view, FIG. 2 (b) left side view, FIG. 2C is a front view on the customer side, FIG. 2D is a rear view, and FIG. 2E is a top view. As described above, the register device 3 includes the code information display screen 32, the display screen 34, the input means 35, and the barcode scanner 36, and the outer shape is formed by the housing 37 and the cash storage box 38.

In step 5, the information processing means 22 converts the product information code from graphic data to numerical data, and includes information on the product price paid to the store and account information in the price transfer request information using the communication means 23. To the server 1 such as an internet bank. At this time , the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit. When transmitting the price transfer request information, the price transfer request information may be encrypted and transmitted to the server 1 such as the Internet bank, but communication is performed using the encryption of the web page provided by the server 1 such as the Internet bank. Also good. Since the mobile phone terminal 2 and the Internet bank server 1 are connected by a wired information communication network such as wireless information communication or the Internet, in order to prevent fraudulent acts such as eavesdropping and impersonation and information loss, For example , encryption such as a public key method is used. In addition to encryption, the reliability and secrecy of electronic payment systems can be ensured by using a public key infrastructure (CA) that certifies the validity of public keys and a PKI (Public Key Infrastructure) that incorporates digital certificates. It becomes possible to improve the property. Further, IEEE802.11i standard may be used for the wireless information communication part.

In step 7, the Internet bank server 1 records in the account database 12 based on the transfer price included in the price transfer request information, the account information of the customer as the transfer source, and the account information of the store as the transfer destination. Transfer the amount corresponding to the transfer fee from the customer's bank account to the store bank account. As a result, been carried out the transfer of money from the customer's account to the shop's account, the price of goods purchased the customer is credited to the merchant account settlement is carried out.

Next, a procedure from merchandise purchase to price settlement using the electronic settlement system of the present embodiment will be described with reference to the flowchart of FIG. Before the procedure described below, the customer who pays the price and the store where the price is received open an account in the bank that manages and manages the server 1, such as an internet bank, and establishes a communication line. through and have become their own withdrawal and transfer the state where it is Ru can be carried out work in the account is. Further, in this embodiment, both the customer and the store are managed by the same Internet bank server 1, but each account is managed between different banks. In some cases, payment may take time.

In step 15, the information processing means 22 converts the merchandise information code from graphic data to numerical data, and uses the communication means 23 to send the information on the merchandise price paid to the store and the account information of the store. And transmitted to the server 1 such as an internet bank. At this time , the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit. When transmitting the price transfer request information, the price transfer request information may be encrypted and transmitted to the server 1 such as the Internet bank, but communication is performed using the encryption of the web page provided by the server 1 such as the Internet bank. Also good. Since the mobile phone terminal 2 and the server 1 such as the Internet bank are connected by a wired information communication network such as wireless information communication or the Internet, in order to prevent illegal activities such as eavesdropping and impersonation and loss of information, For example , encryption such as a public key method is used. In addition to encryption, the authenticity and secrecy of electronic payment systems can be achieved by using public key infrastructure (CA) that certifies the validity of public keys and public key infrastructure (PKI) that incorporates digital certificates. It becomes possible to improve the property. Further, IEEE802.11i standard may be used for the wireless information communication part.

In step 19, the Internet bank server 1 records in the account database 12 based on the transfer price included in the transfer request information, the account information of the customer who is the transfer source, and the account information of the store which is the transfer destination. carry out the transfer operation of the amount equivalent to the transfer price for the store of the bank account has been that the customer's bank account. Thereby, the transfer of the price is performed from the customer's account to the store's account, and the price transfer settlement in which the store receives the price of the product purchased by the customer is performed.

Next, as another embodiment of the electronic settlement system of the present invention, an example in which programmed electronic information is used instead of the above-described register device will be shown. Similarly to the register device 3, the program electronic information includes information processing means that is a processor that executes a predetermined procedure and performs calculations, a code information display screen for displaying the total price of the product as a product information code, a telephone A communication means for communicating information according to a predetermined protocol via a line network and an information communication line, and a display screen for displaying various information such as a settlement result at a server such as an internet bank and the amount of purchased goods are provided. . In the program electronic information, a product information code such as a product, a price, and a two-dimensional barcode is displayed on the program electronic information screen.

Thereafter, as described above, account settlement is performed at the server 1 such as an internet bank. The program electronic information via the telecommunication line encodes and displays the product information, so that the mobile phone terminal 2 which is the customer side terminal instantaneously reads the product information code for the price transfer, the server 1 only to send the money transfer request in a simple and fast can do the price transfer settlement against, it is possible to improve the convenience at the time of purchase.

In step 5, the information processing means 22 converts the product information code from graphic data to numerical data, and uses the communication means 23 to send the information on the product price paid to the store and the account information of the store to the transfer request information. And transmitted to the server 1 such as an internet bank. At this time, the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit. When transmitting the price transfer request information, the price transfer request information may be encrypted and transmitted to the server 1 such as the Internet bank, but communication is performed using the encryption of the web page provided by the server 1 such as the Internet bank. Also good. Since the mobile phone terminal 2 and the server 1 such as the Internet bank are connected by a wired information communication network such as wireless information communication or the Internet, in order to prevent illegal activities such as eavesdropping and impersonation and loss of information, For example, by using a public key infrastructure ( PKI ) or the like, it is possible to improve the certainty and confidentiality of the electronic payment system. Further, IEEE802.11i standard may be used for the wireless information communication part.

In step 15, the information processing means 22 converts the merchandise information code from graphic data to numerical data, and uses the communication means 23 to send the information on the merchandise price paid to the store and the account information of the store. And transmitted to the server 1 such as an internet bank. At this time, the information processing unit 22 and the communication unit 23 are combined to function as a payment request unit. When transmitting the price transfer request information, the price transfer request information may be encrypted and transmitted to the server 1 such as the Internet bank, but communication is performed using the encryption of the web page provided by the server 1 such as the Internet bank. Also good. Since the mobile phone terminal 2 and the Internet bank server 1 are connected by a wired information communication network such as wireless information communication or the Internet, in order to prevent fraudulent acts such as eavesdropping and impersonation and information loss, For example, by using a public key infrastructure ( PKI ) or the like, it is possible to improve the certainty and confidentiality of the electronic payment system. Further, IEEE802.11i standard may be used for the wireless information communication part.

Next, as another embodiment of the electronic settlement system of the present invention, an example in which an apparatus having information processing means for handling programmed electronic information is used instead of the above-described register apparatus will be described. In this apparatus , a product information and price, and a product information code such as a two-dimensional barcode are displayed on the screen of a web page received from an online shopping site accessed using the Internet.

Program electronic information, for example, operate on a device that displays an image such as a path over coarsely braided computer, along with a description of the products sold in the online shopping site, a product information code such as a bar code or two-dimensional bar code indicate. Program electronic information is electronic information such as a web page or a program provided by an online shopping site.

As described above , account settlement is performed at the server 1 such as an internet bank. Accordingly, the program electronic information encodes and displays the product information on the screen of the web page transmitted from the online shopping site , so that the mobile phone terminal 2 as the customer side terminal can instantly transfer the product information for the price transfer. By simply transferring the price transfer request to the server 1 such as the reading of the code and the Internet bank, the price transfer settlement can be performed easily and quickly, and the convenience at the time of purchasing the product can be improved.

Claims (6)

Having a register device capable of communicating via a telecommunication line, a customer terminal and a payment server;
The register device has a code information display screen for displaying a merchandise information code, and a register communication means for performing information communication with the settlement server,
The customer terminal transmits code information reading means for reading the merchandise information code displayed on the code information display screen, and transmits information of a price transfer request to the settlement server based on the merchandise information code. A transfer request means,
The settlement server includes an account database in which account information of the register device and account information of the customer terminal are recorded,
An electronic payment system, wherein, based on a price transfer request transmitted from the transfer request means, a price transfer settlement is performed with the account information of the register device and the account information of the customer terminal. When comprising a plurality of the register device,
2. The electronic settlement system according to claim 1, further comprising a store management server that centrally manages information communication between the plurality of register devices and the settlement server.   2. The electronic settlement system according to claim 1, wherein a bar code or a two-dimensional bar code is used as the product information code.   The electronic payment system according to claim 1, wherein the information on the price transfer request is encrypted and transmitted to the payment server. It has program electronic information, customer side terminal and payment server that can communicate via telecommunication line,
The program electronic information has a code information display screen for displaying a product information code,
The customer terminal transmits code information reading means for reading the merchandise information code displayed on the code information display screen, and transmits information of a price transfer request to the settlement server based on the merchandise information code. A transfer request means,
The settlement server includes an account database in which account information of the program electronic information and account information of the customer terminal are recorded,
An electronic settlement system, wherein, based on a price transfer request transmitted from the transfer request means, a price transfer settlement is performed using the account information of the programmed electronic information and the account information of the customer terminal. A register device for paying for a product purchased by a customer using a payment server connected via a telecommunication line,
A code information display screen for displaying the product information code;
And a confirmation screen for displaying the account information recorded in the settlement server.

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