JP2006048117A - Analog currency system electronic settlement device and method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an analog currency system electronic settlement device for generating "small money" such as "change" in an analog world even in commercial transaction in an electronic settlement system, and for performing fund raising and saving or the like with the "change" or "small money". <P>SOLUTION: The analog currency system electronic settlement device is provided with: an analog currency system settlement means for constructing the combination of a plurality of types of paper money and/or coins to be used for the settlement of merchandise so that change can be generated based on preset specifications according to the price of merchandise displayed on a display picture; and a control means for controlling a display means to display the combination of the plurality of types of paper money and/or coins constructed by the analog currency type settlement means and the generated change on a display screen in a system corresponding to the analog currency. The control means controls the analog currency type settlement means to optionally change the combination of the plurality of types of paper money and/or coins within a preset specific range by inputting predetermined information from an input means. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to collection of funds, savings, etc. using a communication network such as the Internet, a prepaid electronic money application using an IC chip, and particularly for collecting funds, savings, etc. using a communication network such as the Internet. The present invention relates to an analog money type electronic settlement apparatus and method configured to be applicable.

In a conventional fund-raising system using a communication network such as the Internet, fund-raising processing is performed by inputting the amount of the fund-raising as a number from a user terminal.
For example, Japanese Patent Laid-Open No. 2002-149916 discloses a fund-raising system including a user terminal, a server by an online shopping company, and a server by a fund-raising organizer. The operation of this fund-raising system will be described. When a user accesses an online shopping homepage established on the server by an online shopping company via the user terminal, the server uses the online shopping homepage in response to this. The user selects the desired product on the online shopping home page.
The order information input screen is displayed on the user terminal. Enter the desired product code, quantity, and other necessary information. After entering the necessary information, press “Request for Donation” before pressing the “Order Decision” button. .
A “donation request” screen is displayed on the user terminal, and the donation homepage is accessed by pressing a link button to each donation homepage on the “request for donation” screen. In response to this, the server transmits a homepage for donation to the user terminal.

If the user understands the purpose of the fundraising by viewing the fundraising home page and agrees to the purpose, the user checks the “Don't Donate” field on the “Request for Donation” screen, Enter the donation amount. Thereafter, the screen returns to the order information input screen, and after confirming that there are no errors in the contents of the order, the amount of money raised, etc., the order determination button is pressed.
When the server receives the order information and donation information of the product from the user terminal, the server registers the order information (address name, product code, number) in the order information database, and then the donation information according to the donation type and the donation amount specified by the user. Update the total amount of funds raised in the database.
The online shopping company that has received the order from the user sends the ordered product to the user, and receives the price (the price of the product + the donation) through the price exchange delivery of the credit company or the shipping company. The online shopping company transfers funds to the account of the fund-raising organizer based on the contents registered in the fund-raising information database about once a month. After making a donation, return the total donation in the donation information database to zero. Finally, the fundraiser organizes the donation.

  Accordingly, the fund-raising system disclosed in Japanese Patent Application Laid-Open No. 2002-149916, when accessing the online shopping home page of the server from the user terminal and selecting and ordering the desired product in the steps as described above. , It is configured to input a donation amount and make a donation with online shopping.

In the conventional electronic payment method fund-raising system as described above, payment processing is performed without accompanying “changes (coins, etc.)” such as “change”, which is a common sense in the analog world. For example, by using a bank card (credit card) etc. to perform payment processing in electronic commerce, it is possible to use various fields without using actual "currency" and without bringing "change" or "change". Settlement processing is implemented in the merchandise distribution.
However, the electronic payment method fund-raising system as described above does not cause the occurrence of “coin” such as “coin” / “coin” that was common sense in the analog world. For example, in a convenience store or a supermarket, etc. By familiar “fun” or “change” or “change” such as putting “change” or “change” into a “donation box” installed at the cash register after the consumer buys the product There was a problem that the act of “saving money” to the “money box” could not be implemented.
The present invention has been made in view of the problems in the above-described conventional electronic payment method fund-raising system, and even in the electronic transaction method of commercial transactions, it may cause the occurrence of “changes” such as “change” in the analog world. It is an object of the present invention to provide an analog monetary electronic settlement apparatus and method capable of carrying out donations, savings, and the like with “changes” and “changes”.

  The above-described problems of the present invention include a display unit having a display screen for displaying information necessary for electronic commerce, an input unit for inputting various information, and a product purchased when the product purchased by electronic commerce is settled. Is displayed on the display screen of the display means, and is used for the settlement of the previous term product so that change is generated according to a preset rule according to the price of the product displayed on the display screen. Analog monetary settlement means for constructing a combination of a plurality of types of banknotes and / or coins, an analog of the combination of the plurality of types of banknotes and / or coins constructed by the analog monetary settlement means and the resulting change Control means for controlling the display means to display on the display screen in a form corresponding to money, and the control means inputs predetermined information from the input means Thus, an analog currency-type electronic settlement apparatus that controls the analog currency-type settlement means so that the combination of the plurality of types of banknotes and / or coins can be arbitrarily changed within the predetermined range. Achieved by:

  The above-described problems of the present invention include a step of displaying information necessary for electronic commerce, and displaying the price of the product when the product purchased by electronic commerce is settled, and depending on the price of the displayed product A step of constructing a combination of a plurality of types of banknotes and / or coins used for settlement of the product so as to generate change based on a pre-set rule, and the plurality of types of banknotes constructed and / or Displaying the combination of coins and the resulting change in a format corresponding to analog coins, and inputting the predetermined information from the input means to set the plurality of types of banknotes and / or coin combinations in advance It is achieved by an analog money electronic settlement method comprising a step that can be arbitrarily changed within a prescribed range.

  According to the analog money type electronic settlement apparatus and method of the present invention, the “fund / save” act by coins / changes that is routinely carried out in a society in which a currency economy is established and the currency circulates, the Internet, etc. Websites, mobile devices such as mobile phones, or prepaid electronic money applications that use IC chips installed on high-function TVs, convenience stores, restaurants, etc. that receive digital broadcasts (for example, Edy) Cards, Felica, Suica, etc.) When making a “transfer” to a public institution, purchasing goods, or using an electronic payment system for transportation, etc. Automatically, rationally and simply perform a series of steps from calling for a “savings” act to the actual “funding / savings” act As a result, it is possible to use the “coin” that has been circulated and functioning in the traditional analog world with respect to “coin” / “coin” (“change”), which has not attracted much attention in online shopping in the digital society. ”/“ Too much money ”can realize the effects and roles.

  The analog money method electronic settlement apparatus of the present invention may further comprise secondary usage information generating means for generating information on secondary usage for change.

  In the analog money method electronic settlement apparatus of the present invention, information on secondary use includes (a) donation, (b) coin shop, (c) money, (d) point savings, (e) lottery, (f) gambling, (G) You may comprise so that at least one of the information regarding the joint deposit to an anonymous account may be included.

  In the analog money type electronic settlement apparatus of the present invention, when the change constructed by the analog money type settlement means is applied to the use included in the information relating to the secondary use generated by the secondary use information generation means, the digital settlement It is also possible to further comprise a digital payment means configured to execute the above.

  In the analog money type electronic settlement apparatus of the present invention, the analog money type settlement means, the secondary use information generating means, and the digital settlement means can be operated easily and rationally according to change and secondary use. It may be configured to further include interface means configured as described above.

  The analog money electronic settlement method of the present invention may further include a step of generating information relating to secondary use for change.

  The analog money electronic settlement method of the present invention may further include a step of executing digital settlement when the change is applied to the use included in the information relating to the secondary use.

  Hereinafter, preferred embodiments of an analog money electronic settlement apparatus and method according to the present invention will be described with reference to the accompanying drawings.

  FIG. 1 is a schematic block diagram showing an example of the configuration of a preferred embodiment of an analog money electronic settlement apparatus according to the present invention.

An analog money-type electronic payment apparatus (hereinafter abbreviated as an electronic payment apparatus) 10 shown in FIG. 1 is used as a base payment method (hereinafter referred to as a standard payment method) and a user to perform an analog money payment. Both payment methods (hereinafter referred to as arbitrary payment methods) that can arbitrarily determine the amount of payment / the amount of change are employed. However, as a modified example, only one of the methods may be employed.
An electronic payment apparatus 10 shown in FIG. 1 includes a payment method selection unit 11 configured to allow a user to select a payment method that is easy to use from a standard payment method and an arbitrary payment method.
Further, the electronic payment apparatus 10 determines the price of the product purchased by the user at the time of payment in online shopping, and bills (for example, 10000 yen bills / 5000 yen bills) are generated so that “change” (“change money”) is generated. / 1000 yen bills) and coins (for example, 500 yen coins / 100 yen coins / 50 yen coins / 10 yen coins / 5 yen coins / 1 yen coins) and an analog currency that presents the constructed combination An analog currency type settlement unit 12 having a formula settlement function is provided.

  Further, the electronic payment apparatus 10 is “secondary use” (hereinafter referred to as “selection destination”) for “change” generated by a combination of bills and coins constructed / presented by the analog money type payment unit 12. For example, (a) donation (select a fundraiser and donate “change”), (b) coin shop (special shopping site that collects products that can be purchased at “change” (one coin unit) Automatically start up and purchase products from the site), (c) change (pay the “change” as a change to the shrines and temples with which the user is connected), and (d) point savings (“change” Secondary usage information generation that has a function to generate usage information related to the corresponding points, etc., and to execute those “selected destinations” through a communication network such as the Internet. Part 13 is provided.

Then, the electronic settlement apparatus 10 enters between the user and the shopping site, etc., and performs credit settlement when the “change” is secondarily used, and enters between the user and the “selection destination”. A digital settlement unit 14 having a digital electronic settlement function that performs secondary usage according to the secondary usage information described in (2) above is provided.
In addition, the electronic payment apparatus 10 organically connects the above-described payment method selection unit 11, the analog money type payment unit 12, the secondary usage information generation unit 13, and the digital type payment unit 14, and the respective functions are efficiently performed. The interface unit 15 is configured so that necessary information can be input / output on the display screen so as to be executed efficiently and rationally.
Although not shown, the electronic settlement apparatus 10 further includes an input device (for example, a keyboard) for the user to input necessary information to the interface unit 15.
Similarly, a user who uses the service for the second time or later can view his / her operations performed in the past as a history.

  Next, functions executed by the payment method selection unit 11, the analog money settlement unit 12, the secondary usage information generation unit 13, and the digital settlement unit 14 through the interface unit 15 will be described in detail.

1. Payment Method Selection Function This is a function of the payment method selection unit 11. The user can select, for example, from the menu displayed on the display screen of the touch panel that constitutes the interface unit 15 in the interface unit 15 (a) This is a function for selecting one of a conventional online settlement method and (b) an analog monetary settlement method based on Internet “fund” / “savings”.

2. Service Menu Selection Function This is a function that the secondary usage information generation unit 13 has. The interface unit 15 allows the user to select, for example, from the menu displayed on the display screen of the touch panel that constitutes the interface unit 15. This is a function for selecting whether or not to receive a notification service of “less money” or “less points”.

3. Analog money settlement function This is a function that the analog money settlement unit 12 has. The interface unit 15 allows a user to perform shopping in an analog daily life from a display screen of a touch panel constituting the interface unit 15, for example. Same as when making a bill, bills (for example, 10,000 yen bills / 5000 yen bills / 1000 yen bills) and coins (for example, 500 yen coins / 100 yen coins / 50 yen coins / 10 yen coins / 5 yen coins / 1 yen) Using 9 types of icons (ball), the user selects any banknote / coin x number of pieces, and (a) purchases a product, (b) a reference value for automatically creating a "change" This is a function that can perform the initial setting (described in detail below).
Note that banknotes and coins conform to the currency of the country where electronic settlement is performed. For example, when a product such as a book is purchased at a shopping site in the United States, a US dollar bill and a coin icon may be displayed.

As described above, in the electronic payment apparatus 10 of the present invention, as a payment method or a payment method for performing an analog money settlement, a payment method as a base (hereinafter referred to as a standard payment method) and a user arbitrarily pay There is a settlement method that can determine the amount / the amount of change (hereinafter referred to as an arbitrary settlement method). The user can make a payment by selecting an easy-to-use method from a standard payment method and an arbitrary payment method.
In the following, a detailed description will be given of the function for automatically generating “change” of (b) above, which the analog currency type settlement unit 12 has, together with the settlement method.

Standard payment method (1) Automatic payment generation method For payment amount,
(1) Judge the minimum number of digits that is not "0"
(2) A value obtained by adding “1” to the number of digits obtained by incrementing the above minimum number of digits by one is generated, and the following number is set to “0”.
Hereinafter, the payment amount automatic creation method will be specifically described with an example.

Example 1: For 17,800 yen
(1) In this case, “8”.
(2) In this case, since the number of digits carried up by one is “7”, if “1” is added to this number, “8” is obtained. When the following numerical value is “0”, “18,000” is obtained.
Therefore, by the method for automatically generating payment amount according to the present invention, a payment amount of 18,000 yen is set for a payment amount of 17,800 yen, and a change of 200 yen is generated.

Example 2: In the case of 10,090 yen
(1) In this case, “9”.
(2) In this case, since the number of digits carried up by one is “9”, if “1” is added to this number, “10” is obtained. When the following numerical value is “0”, “10, 100” is obtained.
Therefore, with the payment amount automatic creation method according to the present invention, a payment amount of 10,100 yen is set for a payment amount of 10,090 yen, and a change of 10 yen is generated.

Example 3: For 5 yen
(1) In this case, it is “5”.
(2) In this case, since the number of digits carried up by one is “0” (none), “1” is added to this number to be “1”. When the following numerical value is “0”, “10” is obtained.
Therefore, by the payment amount automatic creation method according to the present invention, a payment amount of 10 yen is set for a payment amount of 5 yen, and a change of 5 yen is generated.

Next, an “arbitrary settlement method” that allows the user to arbitrarily determine the amount of payment / the amount of change will be described.
Arbitrary payment method (1) Default setting of “payment amount” by the user
(1) The user can set any payment unit from the following default payment settings:
(A) 10,000 Yen (B) 1,000 Yen (C) 100 Yen (D) 10 Yen Note that 1 Yen is not completely changed, so it is excluded as the set amount for the analog currency settlement method according to the present invention. Shall.
(2) Payment is made according to the set payment unit.
Hereinafter, an arbitrary settlement method will be specifically described with reference to an example thereof.

Example 1: Example of payment for a product of 78,400 yen (A) When 10,000 yen is set as a payment unit 10,000 yen x 8 pieces paid → 1,600 yen change (B) 1,000 yen When set as payment unit 1,000 yen x 79 payments → 600 yen change (C) When 100 yen is set as payment unit 100 yen x 784 payments → No change (D) 10 yen payment unit If set to 10 yen x 7840 payments → no change

Example 2: Example of payment for a product of 7,840 yen (A) When 10,000 yen is set as the unit of payment 10,000 yen x 1 payment → change of 2,160 yen (B) 1,000 yen When set as payment unit 1,000 yen x 8 payments → 160 yen change (C) When 100 yen is set as payment unit 100 yen x 79 payments → 60 yen change (D) 10 yen change When set as the payment unit, pay 10 yen x 784 sheets → no change

Example 3: Example of payment for a product of 784 yen (A) When 10,000 yen is set as the payment unit 10,000 yen x 1 payment → 9,216 yen change (B) 1,000 yen payment unit If set to 1,000 yen x 1 payment → 216 yen change (C) If 100 yen is set as the payment unit 100 yen x 8 payments → 16 yen change (D) 10 yen payment unit If set to 10 yen x 79 payments → 6 yen change

Example 4: Example of payment for a 78 yen product (A) When 10,000 yen is set as the payment unit 10,000 yen x 1 payment → 9,922 yen change (B) 1,000 yen payment unit When set to 1,000 yen x 1 payment → 922 yen change (C) When 100 yen is set as the payment unit 100 yen x 1 payment → 22 yen change (D) 10 yen payment unit If set to 10 yen x 8 payments → 2 yen change

(2) Default setting of “change amount” by user Bills excluding 10,000 yen bills (5,000 yen bills / 1,000 yen bills) and coins (500 yen coins / 100 yen coins / 50 yen coins / 10 yen coins) / 5 yen coin / 1 yen coin).
The payment automatic generation method is customized to generate a set amount of change.
(1) A monetary unit that is one digit higher than the change amount set by the user is determined.
(2) Since there may be no change depending on the payment amount, a message to that effect appears.
(3) If you want to make a change, add one piece of money to the payment unit and make a change that matches the set change amount.

Example 1: Example of payment for a product of 78,400 yen (A) When 5,000 yen is set as a change unit.
(1) Set monetary unit above 5,000 yen → 10,000 yen as payment unit
(2) Select 10,000 yen x 8 sheets → A message appears when the amount of change is less than 5,000 yen
(3) Select 10,000 yen x 9 cards → 11,600 yen change appears

(B) When 1,000 yen is set as the change unit
(1) Monetary unit above 1,000 yen → Set 5,000 yen as payment unit
(2) Select 5,000 yen x 16 cards → A change of 1,600 yen will appear

(C) When 500 yen is set as the change unit
(1) Monetary unit above 500 yen → 1,000 yen set as payment unit
(2) Select 1,000 yen x 79 sheets → 600 yen change appears

(D) When 100 yen is set as the change unit
(1) Monetary unit above 100 yen → 500 yen is set as the payment unit
(2) Select 500 yen x 157 → 100 yen change appears

(E) When 50 yen is set as the change unit
(1) Set monetary unit above 50 yen → 100 yen as payment unit
(2) Select 100 yen x 784 sheets → A message appears that no change will occur
(3) Select 100 yen x 785 sheets → 100 yen change appears (50 yen x 2 sheets)

(F) When 10 yen is set as the change unit
(1) Set monetary unit above 10 yen → 50 yen as payment unit
(2) Select 50 yen x 1,568 sheets → A message that no change will appear
(3) Select 50 yen x 1,569 sheets → 50 yen change appears (10 yen x 5 sheets)

(G) When 5 yen is set as the change unit
(1) Set monetary unit above 5 yen → 10 yen as payment unit
(2) Select 10 yen x 7,840 cards → A message that no change will appear
(3) Select 10 yen x 7,841 → 10 yen change appears (5 yen x 2)

(H) When 1 yen is set as a change unit
(1) Monetary unit above 1 yen → Set 5 yen as payment unit
(2) Select 5 yen x 15,680 sheets → A message that no change will appear
(3) Select 5 yen x 15,681 → 5 yen change appears (1 yen x 5)
The electronic payment apparatus 10 shown in FIG. 1 can be configured to default the change amount for each shopping by default.
It is also possible to arbitrarily set a “change” amount to be used every time shopping is performed using the electronic settlement apparatus 10 shown in FIG.

(4) Random setting of payment amount by program The electronic payment apparatus 10 shown in FIG. 1 can be configured to randomly determine the payment amount set in (1) above by the program.
Moreover, it can also comprise so that a change may be randomly generated with the payment amount selected at random.

4). Change function selection function The "change" generated by the analog money settlement unit 12 is distributed to the following seven "selection destinations" (a) to (h) based on the function of the secondary usage information generation unit 13. To use. “Change” / “Selected” is all iconified, and “Change” is consumed (ie, used for entry) each time it is dragged and dropped (hereinafter referred to as “Input”) to “Selected”. .
(A) Fundraising:
You can select a fundraiser and donate “changes”.
(B) Coin shop:
A special shopping site that automatically collects products that can be purchased with "changes" (one bill / coin) will automatically launch.
(C) Money:
The money is paid to the shrines and temples that are connected to the user as money.
(D) Point savings:
The “change” portion is converted into points within the shopping site, and is provided at the next shopping.
(E) Lottery
A shopping site where lottery tickets, scratch card lotteries, LOTO6, toto, etc. can be purchased automatically via the Internet.
(F) Gambling
Access to online voting voting rights and ticket purchase service sites, such as those offered by the JRA and Japan Bicycle Promotion Association, can be purchased using fishing.
(G) Joint deposit to anonymous account:
Other participants arbitrarily deposit in an account arbitrarily set by the user.
(H) Unused "change":
Do not use this "change".
The above (a) to (h) are examples of the “usage method” in the interface unit 14, and the “selection destination” menu can be arbitrarily organized according to the intention of the user (business operator). Has been.

5. Use / Application Selection Function at “Selection Destination” Each time “Change” is individually “inputted” into “Selection Destination” by the operation shown in 4 above, a pop-up window appears and prompts the user to operate:
(A) Fundraising:
The user can select an arbitrary fund-raising destination from a plurality of registered fund-raising destinations. A link is attached to the registered fundraiser, and you can view the purpose and message of the fundraising and reports on the results of the fundraising.
Further, in the event of an emergency disaster, it can be configured to arrange the link destination of the donation as the option at the forefront.
(B) Coin shop:
A special shopping site that collects products that can be purchased with “changes” (one bill / coin unit) is automatically launched, and the product selected by the user can be purchased.
(C) Money:
The money is paid to the shrines and temples that are connected to the user as money.
(D) Point savings:
The “change” portion is converted into points within the shopping site, and is provided at the next shopping.
(E) Lottery
A shopping site where lottery tickets, scratch card lotteries, LOTO6, toto, etc. can be purchased automatically via the Internet.
(F) Gambling
Access to online voting rights and ticket purchase service sites, such as those offered by JRA and Japan Bicycle Promotion Association, can be purchased using "Summer".
(G) Joint deposit to anonymous account:
Other participants arbitrarily deposit in an account arbitrarily set by the user.

  Next, with reference to FIGS. 2 to 20, the operation of the electronic settlement apparatus 10 of FIG. 1, particularly the operation of the interface unit 14, will be described in detail.

  FIG. 2 shows an example of a “payment method selection screen” displayed on the display screen of the interface unit 14 when a user purchases a product on an online shopping site.

  The “payment method selection screen” 20 shown in FIG. 2 has (a) “digital payment” 22 as a conventional online payment method, or (b) below the display of “Please select a purchase method” 21. ) Display a screen including items that allow selection of either “analog money settlement method” 23 based on the Internet “fund” / “savings”.

Next, as shown in FIG. 3, when the user selects and clicks “analog money settlement method” 23 on the “payment method selection screen” 20 in FIG. 2, the analog money settlement screen 24 shown in FIG. Is activated on the display screen of the interface unit 14, and arbitrarily sets a currency unit such that “change” appears in the initial setting.
For example, as the setting scheme,
(A) 100 yen unit: Set the lower limit unit of used currency to 1000 yen (b) 10 yen unit: Set the lower limit unit of used currency to 100 yen (c) 1 yen unit: Set the lower limit unit of used currency to 10 yen The bills and coins currently distributed in the analog society are combined according to the price of the product.

  In the example shown in FIG. 4, when the purchase price 25 of the product is “¥ 17,800” and the payment method executed using the above setting scheme is the “change” setting in units of 100 yen,

(Table 1)
10,000 yen bill x 1 sheet = 10,000 yen 5,000 yen bill x 1 sheet = 5,000 yen
1,000 yen bill x 3 sheets = 3,000 yen
Total 18,000 yen
200 yen change

  Here, what should be noted in the electronic settlement apparatus of the present embodiment is that the user can arbitrarily select a combination of money (that is, can increase or decrease money) in addition to the default setting. With this function, the donation amount is determined by the user.

FIG. 5 shows a display screen of “payment completed” 25. The display screen shown in FIG. 5 displays “Payment Complete” 26 and “¥ 17,800” as “Purchase Amount” 27 and “¥ 18,000 as“ Deposit Amount ”28. ”Is displayed, and two“ 100 yen coins 29 ”are displayed together with“ Thank you.
Next, FIG. 6 shows a state where the selection screen 31 for the method of using “change” (200 yen) shown in FIG. 5 is activated on the display screen of the interface unit 14.
In FIG. 6, “200” and two 100-yen coins 33 are displayed as “change” 32, and [donation] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery] 38, [Gambling] 39, [Joint deposit to anonymous account] 40 and [Not used this time] 41 are displayed.
The user can use the “change” as follows: [fund] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery] 38, [gambling] 39, [joint deposit to anonymous account] 40 and [Not used this time] 41 are selected according to an application instruction.

Here, as an example, when the icon of [donation] 34 is selected and clicked as shown in FIG. 7, a pop-up window shown in FIG. 8 is activated.
In the pop-up window shown in FIG.
! ) Emergency disaster (Turkish earthquake)
1) UNICEF 2) Doctors without borders 3) Specific fundraising destinations such as transportation orphanage nurturing are displayed.
Next, when “UNICEF” 35 is selected and clicked from the fundraisers displayed in the pop-up window of FIG. 8, as shown in FIG. 9, the site corresponding to the clicked fundraiser is launched in a separate window. . In this example, the site screen of “UNICEF” is displayed together with an icon of [donation box] 36.
Here, when the user decides to donate “change” 200 yen to “UNICEF”, by clicking the [donation box] 36 icon on the screen shown in FIG. 9, as shown in FIG. 10. A screen is displayed, and the “change” icon is “inserted” into the donation box 36.
In addition, there is a service for distributing contents to the fundraiser. As an original content created by a musician who agrees with the fundraiser, a new song can be downloaded instead of a charity concert. In addition, a thank-you audio / video file such as “Thank you” for a celebrity who agrees with the fundraiser is downloaded. Alternatively, it may be configured such that an image file for a desktop picture created in the original can be downloaded.
Then, a screen as shown in FIG. 11 is displayed.

Next, returning to FIG. 6, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ] 37 and [Not used this time] 38 are respectively displayed.
The user can use the “change” as [Draft] 34, [Coin Shop] 35, [Money] 36, [Points Savings] 37, [Lottery] 38, [Gambling] 39, [Joint Deposit to Anonymous Account] 40 and [Not used this time] 41 are selected according to an application instruction.
Here, as an example, when the icon of [Coin Shop] 35 is selected and clicked as shown in FIG. 12, the site corresponding to the clicked [Coin Shop] 35 is different as shown in FIG. Launched in a window.
The user selects an arbitrary product from among the products shown in FIG. 13 and purchases the selected product using the “change” described above. Next, when a product is selected, an accounting screen as shown in FIG. 14 is displayed, and “change” is “injected” into another window from the “change” display screen.
The coin shop may be configured to be usable only when managed by a site operator similar to the shopping site. This is because, in view of the coin shop, a small payment is expected, so it is difficult to balance the shipping cost.

Returning to FIG. 6 again, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ] 37, [Lottery] 38, [Gambling] 39, [Joint deposit to anonymous account] 40 and [Not used this time] 41 are respectively displayed.
The user can use the “change” as follows: [fund] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery] 38, [gambling] 39, [joint deposit to anonymous account] 40 and [Not used this time] 41 are selected according to an application instruction.
Here, as an example, when the “money” 36 icon is selected and clicked as shown in FIG. 15, a pop-up window is activated, and a cash payment destination selection screen as shown in FIG. 16 is displayed. Is done.
The user selects and decides a desired payment destination from the “registered payment destinations” displayed in FIG. For example, “Fukuoka Prefecture” belonging to “Kyushu / Okinawa Islands” is selected from the display screen shown in FIG. 16, and “Dazaifu Tenmangu” is selected from the registered payment destinations (not shown). Then, the site corresponding to the clicked “Dazaifu Tenmangu” is launched in a separate window and is displayed with a [money box] icon (not shown).
Here, when the user decides to throw “change” 200 yen to “Dazaifu Tenmangu” as a change, clicking the “money box” icon on the screen displays a screen as shown in FIG. Then, “insert” the “change” icon into the [money box].

Next, returning to FIG. 6, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ] 37, [Lottery] 38, [Gambling] 39, [Joint deposit to anonymous account] 40 and [Not used this time] 41 are respectively displayed.
The user can use the “change” as follows: [fund] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery] 38, [gambling] 39, [joint deposit to anonymous account] Select from the icons 40 and [not used this time] 41 according to the instruction of the application.
Here, as an example, when the [Points Savings] 37 icon is selected and clicked as shown in FIG. 18, the site corresponding to the clicked [Points Savings] 37 is different as shown in FIG. Launched in a window.
As shown in FIG. 19, the user can create a savings box for acquiring a desired product on the web. Then, the user can require a plurality of piggy banks. As shown in FIG. 20, the “dispatch” is distributed to an arbitrary piggy bank (that is, from the “change” display screen to a piggy bank icon in another window. By “injecting” the “change”, “the change” (= points) is stored in the piggy bank. The desired product can be changed at any time. When the points are saved until the desired product is acquired, the product is sent from the shopping site.
The following methods can be considered for the steps from point saving to product purchase.
(1) Virtual savings: The input amount is recorded in the device as a history, but is not deducted from the user's bank account. When the input amount reaches the purchase amount of the product, a confirmation message will be displayed again to prompt the purchase of the product;
(2) Split prepayment method: The input amount is withdrawn from the user's account at any time (concept of super split prepayment method);
(3) Change points: The converted amount is converted into points, and if you use the converted points to purchase products, you will receive a slightly discounted service.

Next, returning to FIG. 6, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ] 37, [Lottery] 38, [Gambling] 39, [Joint deposit to anonymous account] 40 and [Not used this time] 41 are respectively displayed.
The user can use the “change” as follows: [fund] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery] 38, [gambling] 39, [joint deposit to anonymous account] 40 and [Not used this time] 41 are selected according to an application instruction.
Here, as an example, when the [Lottery] 38 icon is selected and clicked, a specific lottery type such as 1) Summer Jumbo Lottery, 2) LOTO6, 3) toto, 4) Numbers, etc. A pop-up window (not shown) is displayed.
Next, when a “summer jumbo lottery ticket” is selected from the purchase destinations displayed in the pop-up window and clicked, a site corresponding to the clicked purchase destination is started in another window. In this example, the site screen of “Summer Jumbo Lottery” is displayed.
When the user drags and drops any change icon on the box icon installed on the “summer jumbo lottery” purchase site, a purchase number confirmation screen is displayed, and the number can be confirmed / adjusted.

Next, returning to FIG. 6, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ] 37, [Lottery] 38, [Gambling] 39, [Joint deposit to anonymous account] 40 and [Not used this time] 41 are respectively displayed.
The user can use the “change” as [Draft] 34, [Coin Shop] 35, [Money] 36, [Points Savings] 37, [Lottery] 38, [Gambling] 39, [Joint Deposit to Anonymous Account] 40 and [Not used this time] 41 are selected according to an application instruction.
Here, as an example, when the [gambling] icon is selected and clicked, specific gambling types such as 1) horse racing, 2) bicycle racing, 3) auto racing, 4) boat racing, etc. are shown. Pop-up window appears.
Next, when “horse racing” is selected from the pop-up windows and clicked, a site corresponding to the clicked purchase destination is started in a separate window. In this example, a “horse racing” site screen is displayed.
When the user drags and drops any change icon on the box icon installed on the “horse racing” winning horse voting right purchase site, a purchase screen is displayed. After selecting a race, racehorse, etc., the winning horse is displayed. You can purchase voting rights.

Next, returning to FIG. 6, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ] 37, [Lottery] 38, [Gambling] 39, [Joint deposit to anonymous account] 40 and [Not used this time] 41 are respectively displayed.
The user can use the “change” as follows: [fund] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery] 38, [gambling] 39, [joint deposit to anonymous account] 40 and [Not used this time] 41 are selected according to an application instruction.
Here, as an example, when the icon of “joint deposit to anonymous account” 40 is clicked, registered deposit destinations are displayed in a list on a pop-up window. When an arbitrary deposit destination is selected from the list, the user jumps to a page on which the description of the deposit destination and the registrant are written, and asks the user for confirmation. After confirming, the user can deposit in the registered deposit account by dragging and dropping an arbitrary change icon to the deposit box arranged on the page.
For example, a captain operating a futsal team or the like sets up a deposit account for purchasing a new uniform. Teammates continue to deposit in their accounts following online shopping. When a certain amount of money has been saved, he will withdraw money from the account set up by the captain and purchase a uniform.

Next, returning to FIG. 6, a case where another usage method is selected will be described.
Similar to the above-described example, FIG. 6 displays “200” and two 100-yen coins 33 as “change” 32, and also includes [donation] 34, [coin shop] 35, [money] 36, [point savings] ], 37, [Lottery] 38, [Winning Horse Vote] 39, and [Not Used This Time] 40 are displayed.
The user uses the “change” as a method of [fund] 34, [coin shop] 35, [money] 36, [point savings] 37, [lottery ticket] 38, [winning voting right] 39 and [this time use] [1] Select from among the 40 icons according to the instructions of the application.
Here, as an example, as illustrated in FIG. 20, the icon “not used this time” 40 in FIG. 6 is selected. When the icon of [Not used this time] 40 is selected and clicked, the “analog money settlement system” is not activated, and the normal online shopping mode is entered. Then, purchase history / change selection destination / amount information is archived, the information is sent to the credit card company / bank counter, etc., the invoice is sent to the user / the price is debited, and the information is sent to the shopping site. To send the product to the user.
In the second and subsequent shopping, “changes” that were not used the last time are accumulated, and after performing a new shopping, the accumulated “changes” can be used together with this “change”. You may comprise as follows.

  After the payment amount for online shopping and the usage amount and usage method of “change” are determined using the analog payment apparatus 10, the user's personal information input / registered in the analog payment apparatus 10 is registered by the user. Sent to the settlement agency.

The payment agent company that receives the information acts as a payment agent for the shopping site and the “change” payee.
At the same time, the specified amount is withdrawn from the bank account / postal savings counter registered by the user.

  The shopping site and the “payment” payee deliver and distribute the product service to the user when the settlement of the settlement agency is completed.

It is a schematic block diagram which shows the example of 1 structure of the analog money type electronic payment apparatus which is one suitable embodiment of the analog money type electronic payment apparatus by this invention. It is a figure which shows an example of the "payment method selection screen" displayed on the display screen of the interface part 14 of FIG. It is a figure which shows a screen when the "analog money type settlement method" is selected on the "payment selection screen" of FIG. It is a figure which shows the analog money screen displayed on the interface part 14 of FIG. 1 when the "analog money type settlement method" is selected. It is a figure which shows the display screen of "payment completion" displayed on the interface part 14 of FIG. It is a figure which shows the state which started the selection screen of the usage method of "change" on the interface part 14 of FIG. It is a figure which shows a screen when the icon of [a fund-raising] is selected in selection of the usage method of “change”. It is a figure which shows the specific donation destination in the pop-up window of [donation]. It is a figure which shows another window which displays the site applicable to the donation destination clicked from the donation destinations shown in FIG. It is a figure which shows the display screen displayed when the icon of the donation box of FIG. 9 is clicked. It is a figure which shows the window which displays a donation box and a donation destination site. It is a figure which shows a screen when the icon of the [coin shop] of FIG. 6 is selected. It is a screen which shows the site of [Coin shop]. It is a figure which shows the accounting screen at the time of purchasing goods in [coin shop]. It is a figure which shows a screen when the icon of [money] of FIG. 6 is selected. It is a figure which shows the screen of "the payment destination of the registered money." It is a figure which shows the window which displays a money box and a money payment destination site. It is a figure which shows a screen when the icon of [the point saving] of FIG. 6 is selected. It is a figure which shows the site displayed after selecting and clicking the icon shown in FIG. 18, and is a figure which shows the piggy bank for acquiring desired goods specifically ,. It is a figure which shows a screen when the icon of [it does not use this time] of FIG. 6 is selected.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Electronic payment apparatus 11 Payment method selection part 12 Analog currency type payment part 13 Secondary usage information generation part 14 Digital payment part 15 Interface part

Claims (8)

Display means having a display screen for displaying information necessary for electronic commerce; and
An input means for inputting various information;
When a product purchased by electronic commerce is settled, the price of the product is displayed on the display screen of the display means, and a pre-set rule is set according to the price of the product displayed on the display screen. Based on an analog monetary settlement means for constructing a combination of a plurality of types of banknotes and / or coins used for the settlement of the commodity so as to generate change,
Control for controlling the display means to display a combination of the plurality of types of banknotes and / or coins constructed by the analog money type settlement means and the generated change on the display screen in a format corresponding to the analog money. Means and
The control means can arbitrarily change the combination of the plurality of types of banknotes and / or coins within the preset specified range by inputting predetermined information from the input means. An analog monetary electronic settlement apparatus that controls the analog monetary settlement means.   The analog money type electronic settlement apparatus according to claim 1, further comprising secondary usage information generating means for generating information on secondary usage for the change.   The analog according to claim 2, wherein the information on the secondary use includes at least one of (a) donation, (b) coin shop, (c) money, and (d) point saving information. Money-type electronic payment device.   Digital payment can be executed when the change constructed by the analog money type settlement means is applied to the use included in the information on the secondary usage generated by the secondary usage information generation means. 4. The analog money type electronic settlement apparatus according to claim 2, further comprising a digital settlement unit configured as described above.   Interface means configured to be able to operate the analog monetary settlement means, the secondary usage information generation means, and the digital settlement means in a simple and rational manner according to change and secondary usage. The analog currency electronic settlement apparatus according to claim 4, further comprising: Displaying information required for e-commerce;
When the product purchased by electronic commerce is settled, the price of the product is displayed, and according to the price of the displayed product, the product is settled so that change is generated based on a preset rule. Building a combination of multiple types of banknotes and / or coins for use in
Displaying the constructed combination of the plurality of types of banknotes and / or coins and the resulting change in a format corresponding to analog currency;
And a step of arbitrarily changing a combination of the plurality of types of bills and / or coins within the predetermined range by inputting predetermined information from an input means. Analog money method electronic payment method.   The method according to claim 6, further comprising generating information on secondary use for the change.   The method according to claim 7, further comprising the step of executing digital payment when the change is applied to use included in the information on the secondary use.

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