JP2006215779A - Settlement system and terminal and server constituting settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a settlement system, a settlement server and a settlement basic information notification terminal for preventing an illegal use. <P>SOLUTION: This settlement system 1 is provided with a customer terminal 100 for storing customer identification information, a settlement server 300 having a settlement validity/invalidity determination means for determining the validity/invalidity of transaction based on settlement basic information and transaction validating place information to generate transaction validity/invalidity information and a settlement basic information notification terminal 200 having a transaction execution validity/invalidity determination means for transmitting the customer identification information acquired from the customer terminal 100 and transaction job site specification information to the settlement server 300, and for acquiring the settlement validity/invalidity information from the settlement server 300 to determine the validity/invalidity of execution. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to a payment system that determines whether payment is possible based on the position of a transaction site, and a terminal and a server that constitute the payment system.

Various cashless payment systems have been proposed that use a mobile terminal having a payment function, an IC (Integrated Circuit) card, and the like to perform payment without cash exchange at a transaction site for merchandise sales. Such a system is very convenient for a customer who purchases a product because a mobile terminal can be used instead of a wallet, so that the product can be purchased with a simple procedure.
Patent Document 1 proposes a system in which a product is ordered at a real store such as a supermarket by using a mobile phone or the like, and the price is settled.
JP 2003-331024 A (FIG. 1 etc.)

In a cashless payment system, a means for authenticating a legitimate user is required to prevent unauthorized use by a malicious third party.
In the invention of Patent Document 1, a configuration in which personal authentication is performed using a personal identification number is disclosed, but since a place where a transaction is performed is not considered when determining whether payment is possible, the personal identification number is acquired by a third party. There was a problem that it could be used illegally if

  Accordingly, an object of the present invention is to provide a payment system that determines whether payment is possible based on the position of a transaction site, and a terminal and a server that constitute the payment system.

  According to the first aspect of the present invention, there is provided a customer terminal that is held by a customer who purchases the product in a sales transaction of the product and holds customer identification information for identifying the customer, and a place where the transaction is performed. Based on settlement basic information including transaction site identification information for specifying a location and customer identification information, and transaction possible place information indicating a geographical range in which the customer can perform the transaction, it is determined whether or not the transaction can be settled. A payment system including a payment server and a payment basic information notification terminal that is located at the transaction site and notifies the payment server of the payment basic information to the payment server via a communication network, wherein the customer terminal stores the customer identification information Customer identification information storage means, and customer identification information transmission means for transmitting the customer identification information to the payment basic information notification terminal, wherein the payment server includes the payment basic information Payment basic information acquisition means for acquiring information from the payment basic information notification terminal via the communication network, tradeable place information storage means for storing the tradeable place information, and a position indicated by the transaction site identification information; Settlement acceptability determining means for determining that settlement is possible for the transaction based on the range indicated in the available transaction place information, and settlement enable / disable information indicating a determination result by the settlement enable / disable determining means to the settlement basic information notification terminal Payment settlement information transmission means for transmitting via the communication network, the payment basic information notification terminal, the payment basic information transmission means for transmitting the payment basic information to the payment server, and the customer terminal from the customer terminal Customer identification information acquisition means for acquiring customer identification information; payment availability information reception means for receiving the payment availability information from the payment server; and payment availability information It is achieved by the settlement system; and a transaction execution propriety determining means for determining whether to execute the transaction based.

According to the configuration of the first invention, the customer terminal having the customer identification information storage means transmits the customer identification information to the settlement basic information notification terminal by the customer information identification means.
A payment basic information notifying terminal having payment basic information transmitting means transmits payment basic information including customer identification information and transaction site identification information acquired from a customer terminal to a payment server via a communication network.
A payment server having payment basic information acquisition means acquires the payment basic information transmitted from the payment basic information notification terminal. The settlement server can identify the customer who owns the customer terminal with the customer identification information, and can identify the position of the transaction site with the transaction site identification information. First, the settlement possibility determination means of the settlement server determines whether or not the location of the transaction site is included in the geographical range indicated by the transaction location information. Next, when the position of the transaction site is included in the geographical range indicated by the transaction available place information, it is determined that the transaction to be performed at the transaction site can be settled. If the location of the transaction site is not included in the geographical range indicated by the transaction location information, the third party who obtained the customer's terminal illegally may be trying to use it illegally. Judge that there is.
The settlement server transmits the above determination result to the settlement basic information notifying terminal via the communication network by the settlement availability information transmitting unit.
The settlement basic information notifying terminal receives settlement availability information transmitted from the settlement server by the settlement availability information receiving means. The payment execution possibility determination of the payment basic information notification terminal determines that the transaction can be executed if the payment availability information indicates that payment is possible, and the payment availability information cannot be settled. Is determined, it is determined that the transaction cannot be executed.
Here, the execution of the transaction includes not only delivering the tangible product to the customer but also storing the product as electronic data in the storage device of the customer terminal.

With this configuration, it is possible to prevent a third party who has acquired a customer terminal that has been lost by a customer from using the payment system other than where the customer has specified to use it and illegally acquiring products. it can.
In addition, even if the payment system has a password authentication method, if a third party illegally obtains a password together with the customer terminal, the customer terminal is illegally used in a place other than the place where the transaction is possible. Can be prevented.

  Preferably, according to the second invention, in the configuration of the first invention, the settlement basic information notification terminal calculates the coordinates of the transaction site based on a location information signal transmitted from a location information satellite. It has a coordinate calculation means, The said transaction site specific information is the coordinate of the said transaction site, It is characterized by the above-mentioned.

According to the configuration of the second invention, the settlement basic information notifying terminal has the transaction site coordinate calculation means, and can calculate the transaction site coordinates. Then, the calculated coordinates of the transaction site are transmitted to the settlement server as transaction site identification information.
Therefore, it is possible to save the trouble of inputting transaction site specifying information in advance to the settlement basic information. In addition, the payment server does not require a configuration for acquiring the coordinates of the transaction site from the transaction site identification information, for example, a database that associates the transaction site identification information with the coordinates, thereby simplifying the configuration of the payment server.

  Preferably, according to the third invention, in the configuration of the first invention, the customer terminal calculates transaction site coordinate calculation means for calculating the coordinates of the transaction site based on a position information signal transmitted from a position information satellite. And transaction site coordinate information transmitting means for transmitting the transaction site coordinates to the settlement basic information notification terminal, wherein the settlement basis information notification terminal acquires the transaction site coordinates from the customer terminal. It has an acquisition means, and the transaction field specific information is coordinates of the transaction field.

According to the configuration of the third invention, the customer terminal has the transaction site coordinate calculation means, and can calculate the coordinates of the transaction site. Then, the settlement basic information notifying terminal acquires the coordinates of the transaction site from the customer terminal, and transmits it to the settlement server as transaction site identification information.
Therefore, it is possible to save the trouble of inputting transaction site specifying information in advance to the settlement basic information. In addition, the payment server does not require a configuration for acquiring the coordinates of the transaction site from the transaction site identification information, for example, a database that associates the transaction site identification information with the coordinates, thereby simplifying the configuration of the payment server.
In addition, a mobile phone with a GPS receiver that is widely used can be used as a customer terminal, and a payment system can be easily constructed.

  Preferably, according to the fourth invention, in the configuration of the first invention, the customer terminal transmits a payment basic information transmitting means for transmitting the payment basic information to the payment server, and the payment permission information from the payment server. And a transaction execution availability determination unit that determines whether or not to execute the transaction based on the payment availability information, and acts as the payment basic information notification terminal. And a transaction site coordinate calculation means for calculating the coordinates of the transaction site based on a position information signal transmitted from a location information satellite, wherein the transaction site identification information is a coordinate of the transaction site. .

According to the configuration of the fourth invention, since the customer terminal has the transaction site coordinate calculation means, it has the same advantages as the third invention.
Further, since the customer terminal has a settlement basic information transmission means, a settlement availability information transmission means, and a transaction execution availability judgment means and acts as a settlement basis information notification terminal, a settlement system can be constructed more easily than the third invention. can do.

  According to a fifth aspect of the present invention, the object of the invention is settlement basic information including transaction site identification information for identifying a place where a commodity sales transaction is performed, and customer identification information for identifying a customer who purchases the commodity in the transaction; A payment server that determines whether payment is possible for the transaction based on transaction available location information indicating a geographical range in which the customer can perform the transaction, wherein the payment basic information is located at the transaction site Payment basic information acquisition means acquired from the information notification terminal via a communication network, tradeable place information storage means for storing the tradeable place information, the position indicated in the transaction site identification information, and the tradeable place information Settlement enable / disable determining means for determining that the transaction can be settled based on the transaction, and settlement enable / disable information indicating a determination result by the settlement enable / disable determining means It is achieved by the settlement server and having a settlement permission information notification means for notifying via the communication network to the foundation information notification terminal.

  According to the structure of 5th invention, the said objective can be achieved similarly to 1st invention.

  Preferably, according to a sixth invention, in the configuration of the fifth invention, the transaction possible place information varies with time.

According to the configuration of the sixth invention, the tradeable place information varies depending on the time. For example, the location of the customer is in the daytime and the location of the customer's home is in the nighttime.
Therefore, the settlement enable / disable determining means of the settlement server can more accurately determine whether or not settlement is possible as compared to the case where the transaction available place information is fixed.

  Preferably, according to a seventh invention, in the configuration of the fifth invention, the transaction possible place information is determined based on the movement plan of the customer.

According to the structure of 7th invention, the transaction possible place information is defined based on a customer's movement plan.
Therefore, even when the customer is moving by train, for example, the transaction place location information can correspond to the current location of the customer. Compared with a fixed case, it is possible to more accurately determine whether payment is possible.

  Preferably, according to the eighth invention, in the configuration of the fifth invention, when the transaction site specifying information is not within a geographical range indicated in the transaction available information, the settlement possibility determination means is It is characterized by having an unauthorized use notification means for judging that a customer terminal has been used illegally by a person other than the customer and transmitting information to that effect to a device usable by the customer other than the customer terminal.

According to the configuration of the eighth aspect of the invention, when the settlement availability determination unit of the settlement server determines that the customer terminal has been used illegally, the unauthorized use notification unit notifies the customer of the available device by e-mail, for example. Notice.
Therefore, the customer can know at an early stage that there has been unauthorized use, and can take measures such as contacting a telecommunications carrier providing a mobile terminal at an early stage.

  According to the ninth aspect of the present invention, the settlement basis includes transaction site identification information that identifies the location of a place where a merchandise sales transaction is performed, and customer identification information that identifies a customer who purchases the merchandise in the transaction. A settlement basis for notifying the settlement basis information via a communication network to a settlement server that determines whether or not settlement is possible for the transaction based on information and a transaction possible place information indicating a geographical range in which the customer can perform the transaction A customer identification information acquisition means for acquiring the customer information by wireless communication from a customer terminal possessed by the customer; and a location information signal transmitted from a location information satellite to receive the coordinates of the transaction site. Transaction spot coordinate calculating means for calculating the transaction actuality determination means for determining whether to execute the transaction based on the settlement possibility information, Specific information is achieved by the settlement basic information notification terminal which is a coordinate of the transaction field.

According to the configuration of the ninth invention, the payment basic information transmitting means of the payment basic information notifying terminal transmits the payment basic information to the payment server, and receives the payment propriety information transmitted from the payment server as a response. Then, based on the settlement availability information, the transaction execution availability determination means determines whether or not the transaction to be performed can be executed.
Therefore, unauthorized use of the customer terminal by a third party who illegally acquired the customer terminal can be prevented.
Moreover, it has a transaction site coordinate calculation means, and a coordinate can be directly calculated as transaction site identification information. Therefore, it is possible to save the trouble of inputting transaction site identification information to each settlement basic information notification terminal.

  According to the tenth aspect of the present invention, the settlement basis includes transaction site identification information that identifies the location of a place where a commodity sales transaction is performed, and customer identification information that identifies a customer who purchases the commodity in the transaction. Payment basic information notification for notifying the payment basic information via a communication network to a payment server that determines whether or not the transaction is possible based on information and a transaction possible place information indicating a geographical range in which the customer can perform the transaction A customer information acquisition means for acquiring the customer information from a customer terminal possessed by the customer, and coordinates of a transaction site calculated by the customer terminal using a location information signal transmitted from a location information satellite. A settlement basis information notification terminal characterized in that the transaction site coordinate acquisition means is obtained by wireless communication means, and the transaction site identification information is coordinates of the transaction site. It is achieved.

According to the configuration of the tenth invention, illegal use of the customer terminal can be prevented as in the ninth invention.
Moreover, since transaction site specific information is acquired from a customer terminal, the payment basic information notification terminal does not require a device for generating transaction site specific information.

Preferred embodiments of the present invention will be described below in detail with reference to the accompanying drawings.
The embodiments described below are preferred specific examples of the present invention, and thus various technically preferable limitations are given. However, the scope of the present invention is particularly limited in the following description. Unless otherwise stated, the present invention is not limited to these embodiments.

FIG. 1 is a schematic diagram showing a settlement system 1 according to an embodiment of the present invention.
The main components of the positioning system 1 are a mobile terminal 100 that is an example of a customer terminal, a vending machine 200 that is an example of a payment basic information notification terminal, and a payment server 300.
The mobile terminal 100 is possessed by a customer A (not shown) who intends to purchase a product at a transaction site 16 where product sales are about to be performed. The mobile terminal 100 is attached with an FRID (Radio Frequency Identification) tag 104. A user ID, which is an example of customer identification information, is recorded in the FRID tag 104, and the user ID can be transmitted to the vending machine 200.

The vending machine 200 is also located at the transaction site 16. The vending machine 200 has a communication device 202 for wireless connection to the base station 12 and can communicate with the settlement server 300 via the base station 12 and the communication network 14.
The vending machine 200 has an RFID reader 204 and can read a user ID stored in the RFID tag 104 of the portable terminal 100.
The vending machine 200 has a GPS (Global Positioning System) device 220 and receives signals S1 to S4 that are examples of position information signals transmitted from GPS satellites 10a to 10d that are examples of position information satellites. . The GPS device 220 analyzes the signals S1 to S4 and generates information for specifying the coordinates (latitude, longitude, altitude) of the vending machine 200, that is, the position of the transaction site 16.
The vending machine 200 transmits basic payment information including the user ID and the location of the transaction site 16 to the payment server 300 via the communication device 202.

The settlement server 300 is located at a location remote from the transaction site 16. The settlement server 300 includes a communication device 302 and can communicate with the vending machine 200 via the communication network 14 and the base station 12.
The payment server 300 receives the payment basic information transmitted from the vending machine 200. Further, the payment result information generated based on the payment basic information or the like is transmitted to the vending machine 200.

  The settlement system 1 includes a plurality of portable terminals and a plurality of vending machines. The portable terminal 100 and the vending machine 200 shown in FIG. 1 are illustrated as typical examples. Further, the number of settlement servers is not limited to one, and a plurality of settlement servers may be configured.

(Main hardware configuration of mobile terminal 100)
FIG. 2 is a schematic diagram illustrating a main hardware configuration of the mobile terminal 100 of FIG.
The portable terminal 100 includes a CPU (Central Processing Unit) 110 having a control function and an arithmetic function, a storage device 112, a display device 106 which is a kind of output device, for example, an input device 108 including operation buttons. That is, the mobile terminal 100 has a computer.
The CPU 110 can exchange data and control codes with other components such as the storage device 112 via the bus 116. The CPU 110 controls the entire portable terminal 100 by reading and executing a program stored in the storage device 112.
The storage device 112 is configured by, for example, a RAM (Random Access Memory), and stores various programs and data such as an OS (Operating System) and a device driver.

The communication device 102 is composed of, for example, a mobile phone unit having a modulation / demodulation function. It is possible to establish a connection with the base station 12 by transmitting radio waves from the communication antenna 102a and to communicate with other mobile phones and the like. However, in the present embodiment, communication with the settlement server 300 is not performed.
The battery 114 is constituted by, for example, a rechargeable lithium battery, and supplies power to each part of the mobile terminal 100.

  Although the FRID tag 104 is not electrically connected to the battery 114, the radio wave transmitted from the tag reader is received by an antenna disposed inside the FRID tag 104, and a part thereof is converted into current to be used as power. It is possible to communicate with a tag reader by transmitting radio waves from an antenna.

(Main hardware configuration of vending machine 200)
FIG. 3 is a schematic diagram showing a main hardware configuration of the vending machine 200 of FIG.
The vending machine 200 includes a computer including a CPU 210, a storage device 212, a display device 206, a product selection button 208 that is an example of an input device, and the like. The operations of the CPU 210, the storage device 212, and the bus 216 are the same as those of the portable terminal 100 in FIG.

The communication device 202 has a function of transmitting and receiving radio waves having a frequency used in the mobile phone system. Therefore, the vending machine 200 can establish a connection with the base station 12 and communicate with the settlement server 300.
The power source 214 rectifies and transforms an alternating current supplied from the outside and supplies it to each part of the vending machine 200.

The product selection button 208 is composed of a plurality of push buttons corresponding to a plurality of products sold by the vending machine 200. When cash equal to or higher than the price of a product is inserted, the light attached to the button corresponding to the product is turned on to indicate to the customer that the product can be purchased. The customer selects a product to be purchased by pressing a button corresponding to the desired product from the lit buttons.
In the present embodiment, the product selection button 208 is also lit when receiving a notification from the payment server 300 that payment is possible.
When it is determined that settlement is possible, the product sending device 218 sends the product selected by the customer to the product transport port so that the customer can take it out.

The GPS device 220 receives the position information signals S1 to S4 with the GPS antenna 220a, demodulates and decodes the received signals, and acquires orbit information of GPS satellites. Then, the coordinates (latitude, longitude, altitude) of the vending machine 200 are calculated based on the acquired information.
The RFID reader 204 has an antenna therein, transmits an excitation signal from the antenna, and instructs the RFID tag 104 of the portable terminal 100 to transmit a user ID.

(Main hardware configuration of payment server 300)
FIG. 4 is a schematic diagram showing a main hardware configuration of the settlement server 300 of FIG.
The settlement server 300 includes a computer including a CPU 310, a storage device 312, a display device 306, an input device 308, and the like. The operations of the CPU 310, the storage device 312 and the bus 316 are the same as those of the portable terminal 100 in FIG.

The communication device 302 is configured by a LAN (Local Area Network) adapter, for example, and is connected to the communication network 14 via a router (not shown). Therefore, the payment server 300 can communicate with the vending machine 200 via the communication network 14 and the base station 12.
The external storage device 313 is a hard disk, for example, and records programs and databases. The CPU 310 loads and uses these pieces of information in the storage device 312 as necessary.
The power source 314 rectifies and transforms an alternating current supplied from the outside and supplies it to each part of the payment server 300.
The clock 309 is a real time clock, for example, and holds the current time. The program stored in the storage device 312 can acquire the current time from the clock 310.

(Main software configuration of mobile terminal 100)
FIG. 5 is a schematic diagram illustrating a software configuration of the mobile terminal 100.
The control unit 130 has functions such as memory management, task management, and input / output management, and is a program for controlling the entire operation of the mobile terminal 100. Specifically, it is mounted on the OS stored in the storage device 112 and executed by the CPU 110.
The communication unit 162, the display unit 166, and the input unit 168 stored in the driver storage unit 160 are programs for controlling the communication device 102, the display device 106, and the input device 108, respectively. These programs are implemented as device drivers, for example.
The program storage unit 140 stores application programs such as e-mail transmission / reception programs.
The CPU 110 sequentially reads and executes the programs stored in the program storage unit 140 under the control of the control unit 130. The CPU 110 reads and acquires data necessary for executing the program from the data storage unit 180. Further, data acquired by the control unit 130 and data generated by a program stored in the program storage unit 140 are also stored in the data storage unit 180.
Note that the three storage units illustrated in FIG. 5 do not indicate that the mobile terminal 100 has three physically independent storage devices, and are stored in the storage device 112 for convenience of explanation. This information is to classify the information according to its type.

The tag storage unit 190 stores a user ID 192 and a user ID transmission program 194. That is, the tag storage unit 190 is an example of a customer identification information storage unit.
The user ID 192 is information for identifying the customer A from a plurality of customers who use the payment system, and is a unique character string that does not overlap with other customers, for example.
A user ID transmission program 194, which is an example of customer identification information transmission means, transmits a user ID 192 to the vending machine 200 when the RFID tag 104 detects a transmission instruction from the RFID reader 204 of the vending machine 200.

(Main software configuration of vending machine 200)
FIG. 6 is a schematic diagram showing a software configuration of the vending machine 200.
The operation of the control unit 230 and the relationship between the information stored in each storage unit and the CPU 210 are the same as in the case of the mobile terminal 100 in FIG. The point that a program for controlling hardware such as the communication device 202 is stored in the driver storage unit 260 as the communication unit 262 or the like is the same as that of the mobile terminal 100.

  A user ID acquisition program 242 which is an example of a customer identification information acquisition unit instructs the RFID tag 104 of the portable terminal 100 to transmit a user ID via the reader unit 264. The user ID acquisition program 242 receives the user ID transmitted from the RFID tag 104 and stores it in the data storage unit 280 as the user ID 284a.

A position calculation program 244, which is an example of a transaction site coordinate calculation means, instructs the GPS device 220 to receive a position information signal via the GPS unit 279. The position calculation program 244 calculates the position of the vending machine 200 based on the position of the GPS satellite 10a and the like acquired by the GPS device 220 analyzing the position information signal and the signal transmission time. The position calculation program 244 stores the calculated position in the data storage unit 280 as vending machine position information 284b. The vending machine position information 284b is an example of transaction site identification information.
The transaction site specifying information need not be the position (coordinates) of the transaction place itself as in this example. For example, an identification number is assigned to each vending machine, a database in which the position of each vending machine is recorded is prepared in the payment server 300, and the payment server 300 refers to this database to obtain the position of the vending machine 200. It can also be configured. In this case, the identification number of the vending machine is the transaction site specifying information.

  The payment basic information transmission program 246, which is an example of payment basic information transmission means, controls the communication device 202 via the communication unit 262, and sets the payment basic information 284 including the user ID 284a and the vending machine position information 284b as the base station. 12 and the communication network 14 to the settlement server 300.

The payment information reception program 248 which is an example of payment availability information receiving means receives the payment availability information transmitted from the payment server 300 and stores it as payment availability information 288 in the data storage unit 280. The settlement result information and the available amount transmitted from the settlement server 300 are also received and stored in the data storage unit 280 as the settlement result information 292 and the available amount information 290. The available amount information 290 is information indicating the upper limit of the amount that the customer A can settle in the current transaction.
The merchandise selection program 250 refers to the settlement availability information 288, and if it indicates that settlement is possible, the merchandise code of the merchandise selected by the customer A by pressing the merchandise selection button 208 is displayed in the vending machine merchandise. It is acquired from a database (hereinafter referred to as vending machine product DB) 286, stored as selected product information 287 in the data storage unit 280, and transmitted to the settlement server 300.
The structure of the vending machine product DB 286 is the same as the product DB 390 of the settlement server 300 described later. However, only data on products handled by the vending machine 200 is stored.
The product sending program 252, which is an example of a transaction execution availability determination unit, determines that the transaction can be executed when the settlement enable / disable information 288 indicates that payment is possible. The product sending device 218 is controlled to send the product purchased by the customer A to the product takeout port of the vending machine 200.

(Main software configuration of payment server 300)
FIG. 7 is a schematic diagram illustrating a software configuration of the settlement server 300.
The operation of the control unit 330 and the relationship between the information stored in each storage unit and the CPU 310 are the same as in the case of the mobile terminal 100 of FIG. The point that a program for controlling hardware such as the communication device 302 is stored in the driver storage unit 360 as the communication unit 362 or the like is the same as that of the mobile terminal 100.

  The payment basic information receiving program 342 which is an example of payment basic information acquisition means receives the payment basic information transmitted from the vending machine 200 and stores it as the payment basic information 394 in the data storage unit 380. The settlement basic information 394 includes a user ID 394a and vending machine position information 394b.

FIG. 8 is a schematic diagram showing the structure of a user database (hereinafter referred to as user DB) 382. The user DB 382 is a database in which information such as user IDs is recorded for all customers who use the payment system 1.
The first column of the table is a user ID 382a that is an example of customer identification information. The user ID 382a is a customer-specific number or character string that is assigned to one customer. The second column of the table is the limit amount 382b. For example, “¥ 30,000” corresponding to “User001” in the first row is the upper limit of the amount that can be settled using the settlement system 1 in one month. Is shown. The third column of the table is a mail transmission destination 382c at the time of unauthorized use, and is an email address for notifying the customer of the unauthorized use of the terminal. When unauthorized use due to theft or loss of the mobile terminal 100 occurs, the mobile terminal used in the payment system 1 is not at the customer's hand, so that the customer has another device such as a personal computer. Register an address that can be received by.

The settlement availability determination program 344, which is an example of settlement availability determination means, is based on the settlement basic information 394 and the settlement usage area database (hereinafter referred to as settlement usage area DB) 384, which is an example of transaction available place information. It is determined whether or not the transaction to be performed in 16 can be settled.
FIG. 9 is a schematic diagram illustrating an example of the settlement use area DB 384. The first column of the table is the user ID 384a. This corresponds to the user ID 382a of the user information DB 382. The third column of the table is area information 384c, which indicates a geographical range in which the customer can use the payment system 1. That is, the settlement use area DB 384 is an example of tradeable place information, and the external storage device 313 storing it is an example of tradeable place information storage means. The second column of the table is an application time zone 384b indicating a time zone to which the area information 384c is applied. For example, a customer with the user ID “User001” is “Shinjuku-ku, Tokyo” from 8:00 to 19:59, “Saitama from 0:00 to 7:59, and from 20: 0 to 23:59. It shows that the settlement system 1 can be used in “Saitama City, Prefecture”. The customer having the user ID “User002” indicates that the payment system 1 can be used in Yokohama City, Kanagawa Prefecture all day. In this way, each customer can appropriately specify the settlement use area DB 384 according to his / her address, work location and daily behavior pattern.

11 and 12 show another example of the settlement use area DB 384. In these examples, the settlement use area DB 384 is generated based on the route database (hereinafter referred to as route DB) 386.
First, the route DB 386 will be described with reference to FIG. The first column of the table is the user ID 386a. The second column of the table is route information 386b indicating the daily travel schedule of the customer. The data in FIG. 10 indicates a moving schedule for one day for a customer having the user ID “User005” (hereinafter referred to as “customer 5”). The route information 386b assumes that the customer 5 living in Matsumoto City, Nagano Prefecture makes a day trip to the Tokyo Metropolitan Government Office located in Shinjuku-ku, Tokyo. The route information 386b indicates that the customer 5 gets on the train from Matsumoto Station at 7:58, arrives at Shinjuku Station at 10:37, moves on foot from there, and arrives at the Tokyo Metropolitan Government at 11:00. . The return indicates that the train departs from Shinjuku Station at 17:00 and returns to Matsumoto Station at 19:37.

  FIG. 11 shows an example of the payment use area DB 384 that prevents the payment system 1 from being used while the customer 5 is traveling by train. The data structure is the same as that shown in FIG. 9, but is generated based on the route information DB 386 shown in FIG. The area information is “unusable” during the time zone in which the customer 5 is on the train (from 7:59 to 10:36, from 17: 0 to 19:37). Available in Matsumoto before departure (from 0:00 to 7:58) and after returning (from 19:37 to 23:59), while in Shinjuku Ward (from 10:37 to 17:00) Shinjuku It is available in the ward.

FIG. 12 shows an example of the payment use area DB 384 that enables the payment system 1 to be used even while the customer 5 is traveling on the train. For example, it is set when the vending machine 200 is mounted on a train and the customer 5 wants to use it. Before departure, during stay in Shinjuku-ku, and after returning, it is the same as FIG.
Since the area information 384c in the boarding cannot be designated by the administrative division name as in the previous examples, the position where the customer 5 is expected to be estimated at an interval of 20 minutes from the departure time of the train is estimated. It is determined based on the estimated position.
FIG. 13 is a schematic diagram illustrating a method for determining the area information 384c from when the customer 5 leaves Matsumoto Station until it arrives at Shinjuku Station. The first 20 minutes after departure (from 7:59 to 8:18) is a circle (area 1) with a radius (r) of 30 km centered on the starting point of Matsumoto Station (latitude N1, longitude E1) Information 384c is assumed. For the next 20 minutes, a circle (area 2) with a radius of 30 km centered on the position (P2) (latitude N2, longitude E2) after 20 minutes from the departure is set as the area information 384c. Similarly, the area information 384b is moved every 20 minutes.
The radius of the area is set to be slightly larger than the moving amount per 20 minutes of the train on which the customer 5 is scheduled to ride. Specifically, the distance along the track between Matsumoto Station and Shinjuku Station is 225 km, and the time required for the train is 2 hours 39 minutes (159 minutes), so the average travel distance per 20 minutes is about 28. Since it can be calculated as 3 (20 × 225/159) km, the area radius is set to 30 km. By determining in this way, it is possible to absorb errors between the actual position and the estimated position that are caused by assuming that the error in GPS positioning and the moving speed of the train are constant.

When the settlement basic information receiving program 342 receives the settlement basic information 394, the settlement possibility determination program 344 refers to the clock unit 370 and acquires the current time. Then, with reference to the settlement use area DB 384, a record in which the user ID 384a matches the user ID 394a included in the settlement basic information 394 and the current time is included in the range of the time zone 384b is extracted. Next, when the vending machine position information 394b is included in the range indicated by the area information 384c, it is determined that payment is possible. Otherwise, it is determined that payment is not possible. When the vending machine 200 fails in GPS positioning and cannot calculate the vending machine position information, it is determined that payment cannot be made on the safe side.
The settlement possibility determination program 384 stores the determination result in the data storage unit 380 as settlement permission information 396. The settlement permission / inhibition information 396 has a value of “true” when settlement is possible using a logical variable, for example, and a value of “false” when settlement is not possible.

The payment information transmission program 346, which is an example of payment availability information transmission means, uses the communication device 302 to set the payment availability information 396 and the available amount information 397 immediately after the payment availability determination program 344 generates the payment availability information 396. The data is transmitted to the vending machine 200 via the communication network 14 and the base station 12. The available amount information 397 is an amount obtained by subtracting the amount used by the customer A until the current transaction from the usage limit amount of the customer A, and is extracted from the user DB 382 and stored in the data storage unit 380.
The payment information transmission program 346 transmits the payment result information 398 to the vending machine 200 when the customer selects a product to be purchased and the product code is transmitted from the vending machine 200.

  The unauthorized use notification program 348, which is an example of the unauthorized use notification means, has determined that the settlement possibility determination program 344 determines that unauthorized use is being attempted because the vending machine location information 394b is not included in the settlement use area 384c. In this case, an e-mail is transmitted to the e-mail address 382c at the time of unauthorized use, which is the e-mail address designated by the customer A, to notify that there has been an attempt to illegally use.

FIG. 14 is a schematic diagram showing the structure of a product database (hereinafter referred to as product DB) 390. For all products handled by the payment system 1, a unique product code 390a and unit price 390b are recorded for each product.
FIG. 15 is a schematic diagram showing the structure of a payment database (hereinafter referred to as payment DB) 392. The settlement DB 392 is a database that records settlement results of all transactions for all users.
The first column of the table is the user ID 392a, which corresponds to the user ID 382a of the user DB 382. The second column is a product code 392b corresponding to the product code 390a of the product DB 390.
The third column is a settlement state 392c, in which the settlement state for each transaction is recorded. “OK” indicates that the settlement possibility determination program 344 has determined that settlement is possible. “Unauthorized use” indicates that the vending machine position information 394b is determined to be unauthorized use because it is not included in the payment use area information 384c. “Limit limit exceeded” indicates that the payment was not possible because the monthly usage amount of the customer exceeded the usage limit amount 382b (see FIG. 8), although it was not unauthorized use. “Outside use time” indicates that the vending machine position information 394b is included in the payment use area information 384c, but the transaction time is not included in the time zone 384, so that it is determined that payment is not possible.
The fourth column shows the payment confirmation time 392d and the time when the payment state 392c was recorded.
The fifth column is a settlement amount 392e, which records the amount of goods sold and sold in the transaction. When the settlement state 392 is “illegal use”, “over limit amount”, or “out of use hours”, it is 0 yen.
The sixth column is a transaction place 392f in which vending machine position information 394b (see FIG. 7) acquired from the vending machine 200 is recorded as the place where the transaction was performed.

Although the payment system 1 according to the present embodiment is configured as described above, an operation example thereof will be described below.
(Main examples of payment system 1 operations)
FIG. 16 is a schematic sequence diagram illustrating a main operation example of the payment system 1.
The vending machine 200 acquires the user ID stored in the RFID tag 104 of the mobile terminal 100 (ST1). Next, the position of the vending machine 200 is calculated using the GPS device 220 (ST2), and transmitted to the settlement server 300 together with the user ID acquired in ST1 (ST3).
The settlement server 300 receives the user ID and position information. Based on these information and the information stored in the settlement use area DB 384, it is determined whether or not the position of the vending machine 200 is within the settlement use area. If the position of the vending machine 200 is within the payment usage area, it is determined that payment is possible, and if not, it is determined that payment is added (ST4). The settlement server 300 transmits settlement availability information and an available amount to the vending machine 200 (ST5). If payment is not possible, the process ends here.
The vending machine 200 that has received the settlement permission information and the available amount illuminates the product selection button corresponding to the product that can be purchased, and prompts the customer to select the product (ST6). When the product is selected, the vending machine 200 transmits the user ID and the product code of the selected product to the settlement server 300 (ST7).
Upon receiving the user ID and the product code, the settlement server 300 performs an approval process such as debiting the price and records the settlement result in the settlement DB 392 (ST8). Payment server 200 transmits the result of the current payment to vending machine 200 (ST9).
Upon receiving the settlement result, the vending machine 200 sends the product selected by the customer to the product delivery port (ST10) and ends the transaction.

(About main operation examples of vending machine 200)
FIG. 17 is a schematic flowchart showing a main operation example of the vending machine 200.
When the customer A brings the mobile terminal 100 close to the RFID reader 204 of the vending machine 200, the user ID acquisition program 242 is activated to acquire the user ID of the customer stored in the FRID tag 104 of the mobile terminal 100, and the user The data is stored in the data storage unit 380 as the ID 284a (ST10).
Next, the position calculation program 244 is activated, calculates the position of the vending machine 200 based on the position information signal acquired by the GPS device 220, and stores it in the data storage unit 380 as the vending machine position information 284b.
Payment basic information transmission program 246 transmits user ID 284a and vending machine location information 284b to payment server 300 (ST11).

  The settlement information receiving program 248 receives the information transmitted by the settlement server 300 as a response to the transmission of ST11, and stores it in the data storage unit 280 as the settlement availability information 288 and the available amount information 290 (ST12).

The merchandise selection program 250 first refers to the settlement possibility information 288 (ST13). When the settlement permission / inhibition information 288 indicates that settlement is not possible, specifically, when the value is “over limit amount”, “out of use time”, or “illegal use”, the transaction ends here (ST13). (No, end).
If the settlement availability information 288 indicates that settlement is possible, the product DB is searched for products that exceed the available amount when purchased by the customer (ST14). If there is a corresponding product, the product selection button 208 corresponding to the product is removed from the lighting target (determination of ST14 is Yes, ST15), and the product selection button 208 is lit (ST16). If there is no corresponding product, all the product selection buttons 208 are lit (No in ST14, ST16).
Waiting for the operation of the product selection button by the customer, the pressed button is determined (ST17). If the lit button is not pressed and the cancel button is pressed (No in ST17, Yes in ST18), the settlement basic information 284, settlement availability information 288, and available amount information 290 are deleted. (ST20) The transaction is terminated. If the lit product selection button 208 is not pressed and the cancel button is not pressed, the process returns to the button operation waiting state (No in ST18, ST17).

When the lit product selection button 208 is pressed, the settlement basic information transmission program 246 transmits the user ID and the product selection program 250 transmits the product code of the selected product to the settlement server 300 (ST19).
The settlement information receiving program 248 receives the settlement result transmitted from the settlement server 300 and stores it in the data storage unit 280 as the settlement result information 292 (ST21).
The product sending program 252 sends the product selected by the customer to the take-out port (ST22).

(Regarding main operation example of payment server 300)
FIG. 18 is a schematic flowchart illustrating a main operation example of the settlement server 300.
The settlement basic information receiving program 342 receives the information transmitted from the vending machine 200 and stores it in the data storage unit 380 as the user ID 394a and the vending machine position information 394b (ST30).
The settlement possibility determination program 344 determines whether or not the vending machine position information 394b is within the settlement use area 384c of the settlement use DB 384 (ST31). If the vending machine position information 394b is not in the settlement use area 384, it is recorded in the settlement DB 392 that there has been unauthorized use (No in ST31, ST39). In the case of unauthorized use, the unauthorized use notification program 348 refers to the user DB 382 and uses the customer's unauthorized use email transmission destination 382c corresponding to the user ID 394a received from the vending machine 200 as a destination. An e-mail notifying that there has been is transmitted (ST40).

If the vending machine location information 394b is within the settlement usage area 384, it is determined whether or not the usage record of the customer A for the current month has already exceeded the usage limit (Yes in ST31, ST32). If the usage limit has been exceeded, “limit limit over” is recorded in the settlement DB 392 and settlement enable / disable information 396 is transmitted to the vending machine 200 (Yes in ST32, Yes, ST38).
If the usage limit is not exceeded, it is determined whether a usage time zone is set (ST33). When the usage time zone is set and the current time is outside the usage time zone (Yes in ST33, No in ST34), “outside usage time” is recorded in the settlement DB 392 and a vending machine is used. Settlement availability information 396 is transmitted to 200.
When the usage time zone is not set (No in ST33) or when the usage time zone is set but the current time is within the usage time zone (Yes in ST33, Yes in ST34) Then, “OK” is recorded in the settlement DB 392, and settlement availability information 396 is transmitted to the vending machine 200 (ST35). Next, settlement processing is performed (ST36), the settlement result is transmitted to the vending machine 200 (ST37), and the processing is terminated.

As described above, in the payment system 1, when the vending machine position information 394b is not included in the payment usage area information 384c, the payment determination program 344 of the payment server 300 determines that payment is not possible and performs automatic sales. Notify the machine 200. The transaction execution possibility determination program 252 of the vending machine 200 that has received the notification does not send the product to the product take-out port of the vending machine 200, and therefore can prevent unauthorized use of the mobile terminal 100.
Since the payment use area DB includes a key called use time zone 384b, the payment use area information 384c can be changed according to time or based on the customer's movement plan. Therefore, it is possible to more accurately determine whether payment is possible.
Since the transaction site identification information is directly represented by the coordinates of the position of the vending machine 200, the settlement server 300 does not require a configuration for obtaining the transaction site coordinates from the transaction site identification information, for example, a database. Yes.
Furthermore, since the unauthorized use notification program 399 of the settlement server 300 immediately notifies the email address specified by the customer by email when there is unauthorized use, the customer can know early that the unauthorized use has occurred. Can take necessary actions at an early stage.

(Second Embodiment)
Next, the payment system 1a which is the 2nd Embodiment of this invention is demonstrated. Since the configuration of the payment system 1a has many parts that are the same as those of the payment system 1, the same parts are denoted by the same reference numerals, description thereof is omitted, and different parts are mainly described.
FIG. 19 is a schematic diagram showing the settlement system 1a. The basic configuration is the same as that of the settlement system 1a of FIG. 1 except that the mobile terminal 100a acquires the location information and transmits it to the vending machine 200.

FIG. 20 is a schematic diagram illustrating a hardware configuration of the mobile terminal 100a.
The portable terminal 100a has a GPS device 120 that is not included in the portable terminal 100 of FIG. 2 in order to calculate position information. The function of the GPS device 120 is the same as that of the GPS device 220 of the vending machine 200 of FIG.
FIG. 21 is a schematic diagram showing a hardware configuration of the vending machine 200a.
Except for not having a GPS device, it is the same as the vending machine 200 of FIG.

FIG. 22 is a schematic diagram illustrating a software configuration of the mobile terminal 100a.
Since the mobile terminal 100 a includes the GPS device 120, a GPS unit 170 that is a program for controlling the GPS device 120 is stored in the driver storage unit 160.
The terminal position calculation program 142 calculates the position of the portable terminal 100a and stores it as the terminal position information 182 in the same manner as the position calculation program 244 of the vending machine 200 of FIG. Since the mobile terminal 100a is located at the transaction site 16, the terminal location information 182 is an example of transaction location specifying information.
The terminal location transmission program 144, which is an example of transaction site coordinate information transmission means, transmits the terminal location information 182 to the vending machine 200a via the communication device 102.

FIG. 23 is a schematic diagram showing a software configuration of the vending machine 200a.
The vending machine 200a does not have a GPS device, and since the position calculation is performed by the mobile terminal 100a, it does not have a program for calculating the position. Instead, it has a terminal location reception program 243 that receives terminal location information transmitted from the mobile terminal 100a. The terminal position reception program 243 is an example of transaction site coordinate information acquisition means. The terminal location information reception program 243 stores the received information as terminal location information 284c in the data storage unit 280.
The hardware configuration and software configuration of the settlement server 300 are the same as those in the first embodiment shown in FIGS.

FIG. 24 is a schematic sequence diagram showing an operation example of the settlement system 1a.
First, the mobile terminal 100a calculates the position of the mobile terminal 100a using the GPS device 120 (ST1a).
Next, the mobile terminal 100a transmits the user ID stored in the RFID tag and the terminal location information stored in the storage device 112 to the vending machine 200a. The user ID is transmitted from the antenna built in the RFID tag 104, and the terminal position information is transmitted from the communication antenna 102a.
The vending machine 200a receives the user ID with the RFID reader 204 and the terminal position information with the communication antenna 202a.
The sequence between the vending machine 200a and the settlement server 300 after ST3 is the same as that of the settlement system 1 shown in FIG.

The operation of the vending machine 200a is the same as that of the vending machine 200 shown in FIG. However, in ST10 of the figure, the terminal location information is received together with the user ID.
The operation of the payment server 300a is the same as that of the payment server 300 shown in FIG.

As described above, in the payment system 1 a, as in the payment system 1, the payment server 300 does not require a configuration for obtaining the position of the transaction site from the transaction site identification information.
Further, the transaction site specifying information is acquired by the mobile terminal 100 a using the GPS device 120. Therefore, mobile phones with GPS devices that are widely used as customer terminals can be adopted, and a payment system can be easily constructed.

(Third embodiment)
Next, the payment system 2 which is the 3rd Embodiment of this invention is demonstrated. Since the configuration of the payment system 2 includes many parts that are the same as those of the payment system 1, the same parts are denoted by the same reference numerals, description thereof is omitted, and different parts are mainly described.
FIG. 25 is a schematic diagram showing the payment system 2 according to the embodiment of the present invention.
The ticket 400 is placed in a store showcase or the like in the transaction site 16. An RFID tag 404 storing a product code is attached to the ticket 400.
The portable terminal 500 is possessed by a customer B (not shown) who is at the transaction site 16 and intends to purchase a ticket using the payment system 2. The portable terminal 500 has an RFID reader 504 and can read a product code stored in the RFID tag 404 of the ticket 400.
The mobile terminal 500 has a GPS device 520 and can calculate the position of the mobile terminal 500. Since the portable terminal 500 is located at the transaction site 16, the position of the portable terminal is an example of transaction site identification information.
The portable terminal 500 has a communication device 502 and transmits the product code acquired from the ticket 400, the user ID stored in the storage device, and the position of the portable terminal calculated by the GPS device 520 to the settlement server 300. That is, the mobile terminal 500 is an example of a customer terminal and an example of a payment basic information notification terminal.
The settlement server 300 receives the above information transmitted by the mobile terminal 500, determines whether settlement is possible, and transmits a settlement result or the like to the mobile terminal 500.

(Main hardware configuration of mobile terminal 500)
FIG. 26 is a schematic diagram illustrating a main hardware configuration of the mobile terminal 500 of FIG.
As an outline of the configuration, a part related to selection and delivery of products is removed from the vending machine 200 shown in FIG.
The portable terminal 500 uses a communication device 502 for communicating with the settlement server 300, a FRID reader 504 for reading a product code from the RFID tag 404 of the ticket 400, a GPS device for calculating a position using a GPS satellite 10a, etc. 520. The functions of these devices are the same as those of the vending machine 300 of FIG.

(Main hardware configuration of mobile terminal 500)
FIG. 27 is a schematic diagram illustrating a main hardware configuration of the mobile terminal 500 of FIG.
The product code acquisition program 541 instructs the RFID tag 404 of the ticket 400 to transmit the product code via the reader unit 564. The product code acquisition program 541 receives the product code transmitted from the RFID tag 404 and stores it as product code information 587 in the data storage unit 580.

The payment information reception program 548 receives the payment propriety information transmitted from the payment server 300 and stores it as the payment propriety information 588 in the data storage unit 580.
The payment information reception program 548 also receives the ticket information 595 transmitted from the payment server 300 and stores it as ticket information 595 in the data storage unit 580. The ticket information 595 is information indicating that the price of the ticket 400 has been paid. For example, in the case where the ticket 400 is a concert ticket, the ticket information 595 is displayed as an image on the display device 506 of the portable terminal 500 and is held over a reading device provided at the entrance of the concert hall so that the user can enter.

The programs other than the above two operate in the same manner as the program with the same name of the vending machine 200 shown in FIG. The same applies to data stored in the data storage unit 580.
The hardware configuration and software configuration of the settlement server 300 are the same as those in the first embodiment shown in FIGS. However, since the mobile terminal 500 does not have a product selection button, the payment information transmission program 548 does not transmit the available amount information to the mobile terminal 500. In addition, the ticket information is transmitted to the portable terminal 500.

FIG. 28 is a schematic sequence diagram illustrating a main operation example of the positioning system 2.
The portable terminal 500 acquires the product code stored in the RFID tag 404 of the ticket 400 (ST50). Next, the position of the portable terminal 500 is calculated using the GPS device 520 (ST51). Then, the product code, the position of the portable terminal 500, and the user ID stored in the storage device are transmitted to the settlement server 300 (ST52).
Payment server 300 receives the information transmitted from portable terminal 500 and determines whether payment is possible (ST53). Payment server 300 transmits payment permission information to portable terminal 500 (ST54). If settlement is possible, ticket information is also transmitted at this time.
The mobile terminal 500 receives the settlement result and, if the settlement is possible, stores the ticket information in the storage device (ST55) and ends the transaction.

FIG. 29 is a schematic flowchart illustrating an operation example of the mobile terminal 500.
When the customer B brings the portable terminal 500 close to the RFID tag 404 of the ticket 400, the product code acquisition program 241 is activated to acquire the product code of the ticket 400 stored in the FRID tag 404 and store it in the data storage unit 580. (ST60).
Next, it is determined whether valid terminal location information 584c is stored in data storage unit 580 (ST61). If there is no valid terminal position information 584c, the terminal position calculation program 543 is activated, calculates the position of the portable terminal 500, and updates the terminal position information 584c (determination of ST61 is No, ST62).
Payment basic information transmission program 546 transmits user ID 584a, terminal position information 584c, and product code information 587 to payment server 300 (ST63).
The settlement information receiving program 548 receives the settlement result (ST64), and displays the settlement result on the display device 506 of the portable terminal 500 (ST65).

As described above, in the payment system 2, as in the payment system 1, the payment server 300 does not require a configuration for obtaining the position of the transaction site from the transaction site identification information.
The mobile terminal 500 is a customer terminal that holds the user ID 584a in the storage device 512, and is also a payment basic information notification terminal that notifies the payment server 300 of the payment basic information 584. Therefore, the system configuration is further simplified than the payment system 1a, and the payment system can be easily constructed.

(About programs and computer-readable recording media)
It can be set as the control program of the payment system for making a computer perform each step of the above-mentioned operation example.
Moreover, it can also be set as the computer-readable recording medium which recorded such a positioning program etc.

A program storage medium used for installing these positioning programs and the like in a computer and making them executable by the computer is, for example, a floppy disk such as a floppy (registered trademark), a CD-ROM (Compact Disc Read Only Memory), Not only package media such as CD-R (Compact Disc-Recordable), CD-RW (Compact Disc-Rewritable), DVD (Digital Versatile Disc), etc., but also semiconductor memories and magnetic disks in which programs are temporarily or permanently stored Alternatively, it can be realized by a magneto-optical disk or the like.

  The present invention is not limited to the embodiments described above. Furthermore, the above-described embodiments may be combined with each other.

It is the schematic which shows the payment system which is 1st Embodiment of this invention. It is the schematic which shows the main hardware constitutions of the portable terminal of FIG. It is the schematic which shows the main hardware constitutions of the vending machine of FIG. It is the schematic which shows the main hardware constitutions of the payment server of FIG. It is the schematic which shows the main software structures of the portable terminal of FIG. It is the schematic which shows the main software structures of the vending machine of FIG. It is the schematic which shows the main software structures of the payment server of FIG. It is the schematic which shows an example of the structure of a user database. It is the schematic which shows an example of the structure of a payment utilization area database. It is the schematic which shows an example of the structure of a path | route database. It is the schematic which shows an example of the structure of a payment utilization area database. It is the schematic which shows an example of the structure of a payment utilization area database. It is the schematic which shows an example of the production | generation method of a payment utilization area database. It is the schematic which shows an example of the structure of a goods database. It is the schematic which shows an example of the structure of a payment database. It is a schematic sequence diagram which shows the operation example of the payment system of FIG. It is a schematic flowchart which shows the operation example of the vending machine of FIG. It is a schematic flowchart which shows the operation example of the payment server of FIG. It is the schematic which shows the payment system which is 2nd Embodiment of this invention. It is the schematic which shows the main hardware constitutions of the portable terminal of FIG. It is the schematic which shows the main hardware constitutions of the vending machine of FIG. FIG. 20 is a schematic diagram illustrating a main software configuration of the mobile terminal in FIG. 19. FIG. 20 is a schematic diagram illustrating a main software configuration of the vending machine in FIG. 19. FIG. 20 is a schematic sequence diagram illustrating an operation example of the settlement system in FIG. 19. It is the schematic which shows the payment system which is 3rd Embodiment of this invention. FIG. 26 is a schematic diagram illustrating a main hardware configuration of the mobile terminal in FIG. 25. It is the schematic which shows the main software structures of the portable terminal of FIG. FIG. 26 is a schematic sequence diagram illustrating an operation example of the settlement system in FIG. 25. It is a schematic flowchart which shows the operation example of the portable terminal of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Payment system, 10a thru | or 10d ... GPS satellite, 12 ... Base station, 14 ... Communication network, 100 ... Portable terminal, 102 ... Communication apparatus, 104 ... RFID tag 106 ... Display device 108 ... Input device 110 ... CPU 112 ... Storage device 114 ... Battery 116 ... Bus 200 ... Vending machine 202 ..Communication device, 204 ... RFID reader, 206 ... Display device, 208 ... Product selection button, 210 ... CPU, 212 ... Storage device, 214 ... Power supply, 218 ... Product sending device, 300 ... settlement server, 302 ... communication device, 306 ... display device, 308 ... input device, 309 ... clock, 310 ... CPU, 312 ... storage device 313: External memory Location, 314 ... power

Claims (10)

A customer terminal possessed by a customer who purchases the product in a sales transaction of the product and holding customer identification information for identifying the customer; and
The transaction based on transaction site identification information for specifying the location of the place where the transaction is performed, settlement basic information including the customer identification information, and transaction available location information indicating a geographical range in which the customer can perform the transaction A payment server for determining whether payment is possible,
A payment system including a payment basic information notifying terminal which is located at the transaction site and notifies the payment basic information to the payment server via a communication network,
The customer terminal is a customer identification information storage means for storing the customer identification information;
Customer identification information transmitting means for transmitting the customer identification information to the payment basic information notification terminal,
The payment server
Payment basic information acquisition means for acquiring the payment basic information from the payment basic information notification terminal via the communication network;
Transaction place information storage means for storing the transaction place information;
Settlement acceptability determination means for determining that settlement is possible for the transaction based on the position indicated in the transaction site identification information and the range indicated in the transaction available place information;
Settlement availability information transmitting means for transmitting settlement availability information indicating a determination result by the settlement availability determination means to the settlement basic information notification terminal via the communication network,
The payment basic information notification terminal is
Payment basic information transmitting means for transmitting the payment basic information to the payment server;
Customer identification information acquisition means for acquiring the customer identification information from the customer terminal;
Settlement acceptability information receiving means for receiving the settlement acceptability information from the settlement server;
A transaction execution availability determination unit that determines whether to execute the transaction based on the payment availability information.   The payment basic information notification terminal has transaction site coordinate calculation means for calculating coordinates of the transaction site based on a location information signal transmitted from a location information satellite, and the transaction site identification information includes coordinates of the transaction site. The payment system according to claim 1, wherein:   The customer terminal is a transaction site coordinate calculating means for calculating the coordinates of the transaction site based on a position information signal transmitted from a location information satellite, and a transaction site for transmitting the transaction site coordinates to the settlement basic information notification terminal. Coordinate information transmission means, the payment basic information notification terminal has a transaction site coordinate acquisition unit for acquiring the coordinates of the transaction site from the customer terminal, the transaction site identification information is the coordinates of the transaction site The payment system according to claim 1, wherein the payment system is provided. The customer terminal is
Payment basic information transmitting means for transmitting the payment basic information to the payment server;
Settlement acceptability information receiving means for receiving the settlement acceptability information from the settlement server;
And having a transaction execution availability determination means for determining whether to execute the transaction based on the payment availability information, and acting as the payment basic information notification terminal,
The transaction site coordinate calculation means for calculating the coordinates of the transaction site based on a location information signal transmitted from a location information satellite, wherein the transaction site identification information is a coordinate of the transaction site. Item 4. A settlement system according to item 1. Settlement basic information including transaction site identification information for specifying a place where a product sales transaction is performed and customer identification information for identifying a customer who purchases the product in the transaction, and geographical where the customer can perform the transaction A payment server that determines whether payment is possible for the transaction based on the transaction available place information indicating a range,
Payment basic information acquisition means for acquiring the payment basic information from a payment basic information notification terminal located at the transaction site via a communication network;
Transaction place information storage means for storing the transaction place information;
Settlement acceptability judging means for judging that settlement is possible for the transaction based on the position indicated in the transaction site specifying information and the place where the transaction is possible;
Settlement availability information notification means for notifying the settlement basic information notification terminal via the communication network of settlement availability information indicating a determination result by the settlement availability determination means;
A settlement server.   The settlement server according to claim 5, wherein the tradeable place information varies with time.   The settlement server according to claim 5, wherein the transaction available place information is determined based on the movement plan of the customer.   When the transaction site identification information is not within the geographical range indicated in the transaction available information, the settlement possibility determination unit determines that the customer terminal is illegally used by a person other than the customer, and the customer 6. The settlement server according to claim 5, further comprising unauthorized use notification means for transmitting information to that effect to a device usable by the customer other than the terminal. Settlement basic information including transaction site identification information for specifying the position of a place where a product sales transaction is performed and customer identification information for identifying a customer who purchases the product in the transaction, and the customer can perform the transaction A payment basic information notification terminal for notifying the payment basic information via a communication network to a payment server that determines whether payment is possible for the transaction based on the transaction possible place information indicating a geographical range,
Customer identification information obtaining means for obtaining the customer information by wireless communication from a customer terminal possessed by the customer;
Transaction site coordinate calculation means for receiving a location information signal transmitted from a location information satellite and calculating the coordinates of the transaction site;
Transaction execution enable / disable determining means for determining whether to execute the transaction based on the settlement enable / disable information;
The payment basic information notifying terminal, wherein the transaction site specifying information is coordinates of the transaction site. Settlement basic information including transaction site identification information for specifying the position of a place where a product sales transaction is performed and customer identification information for identifying a customer who purchases the product in the transaction, and the customer can perform the transaction A payment basic information notifying terminal for notifying the payment basic information via a communication network to a payment server that determines whether the transaction is possible based on the transaction available place information indicating a geographical range,
Customer information acquisition means for acquiring the customer information from a customer terminal possessed by the customer;
The customer terminal has transaction site coordinate acquisition means for acquiring the transaction site coordinates calculated by using a location information signal transmitted from a location information satellite by wireless communication means,
The payment basic information notifying terminal, wherein the transaction site specifying information is coordinates of the transaction site.

Images