JP2007280063A - Electronic money settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To achieve electronic money settlement in compliance with a plurality of types of settlement services by one settlement terminal equipment. <P>SOLUTION: Settlement terminal equipment 41 is provided with a plurality of individual settlement processing parts 57 to 65 for performing settlement by a plurality of settlement services. Then, a settlement service selection part 47 selects any one of individual settlement processing parts 57 to 65 based on user setting information stored in a user setting information storage part 23 of a portable telephone set 1, and the selected individual settlement processing parts 57 to 65 performs settlement with the corresponding individual settlement processing parts 15 to 19 of a portable telephone set 1. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to a payment terminal device and an electronic money payment system that perform payment processing by reading electronic money information recorded in a user terminal device in a contactless manner.

  In recent years, settlement services using electronic money using non-contact communication type IC chips have begun to spread widely. In particular, mobile phones with an electronic money function, in which an electronic money user terminal device is incorporated into a mobile phone, are leading the spread. The user can complete the payment by the processing performed by the non-contact IC chip by holding the mobile phone with the electronic money function over a dedicated payment terminal.

  By the way, as is often seen in the period of expansion of the spread of new systems, the current state of payment services using electronic money is inconsistent with a plurality of payment services that are not compatible with each other.

  Therefore, for a store, in order to be able to use a plurality of types of payment services at the same store, it is necessary to install each dedicated terminal device, so there is a problem that both the store space and the installation cost are heavy. . In addition, there is a problem for users who shop with electronic money that electronic money payment can only be used at a store where a payment terminal device for payment service used by the user is installed.

  Therefore, an object of the present invention is to provide a technique for enabling electronic money payment according to a plurality of types of payment services with a single payment terminal device.

  An electronic money payment system according to an embodiment of the present invention includes a user terminal device for paying with electronic money, and a payment terminal device capable of communicating with the user terminal device and receiving payment by electronic money. . The user terminal device accepts a plurality of user terminal device payment means for making payments with a plurality of different payment services and user setting information for selecting any of the plurality of payment services. Means and means for storing the user setting information received by the receiving means. The payment terminal device includes a plurality of payment terminal device payment means for performing payment with the plurality of payment services, and the plurality of payment terminals based on the user setting information stored in the user terminal device. Automatic selection means for selecting any one of the apparatus settlement means. Then, the payment terminal device payment means selected by the automatic selection means performs payment with the user terminal device payment means of the user terminal device corresponding to the payment terminal device payment means.

  Thereby, the payment terminal device corresponding to a plurality of types of payment services can make electronic money payment with the payment service specified by the user setting information stored in the user terminal device.

  In a preferred embodiment, the settlement terminal device accepts a user or operator operation, and selects a settlement terminal device settlement unit according to the user or operator operation from the plurality of settlement terminal device settlement units. The payment terminal device payment means selected by the payment selection means may be further prioritized over the payment terminal device payment means selected by the automatic selection means.

  As a result, it is possible to determine a payment service to be used in preference to the selection made by the user with respect to the payment terminal device immediately before the payment over the setting made in advance, and perform electronic money payment with the payment service.

  In a preferred embodiment, the user setting information includes at least a priority of the plurality of types of payment services, a selection condition for selecting a payment service according to a payment amount, and a store in which the payment terminal device is installed. Information indicating any of the selection conditions for selecting the settlement service according to the information may be included.

  In a preferred embodiment, the accepting means of the user terminal device further accepts designation of a receipt output format as user setting information, and the settlement terminal device is an electronic device that indicates a result of settlement by the settlement device for the settlement terminal device. Electronic receipt means for generating receipt information and transmitting it to the user terminal device; and printing means for printing a receipt indicating the result of payment by the payment means for the payment terminal device, the receipt information of the user setting information A receipt may be output according to the output format.

  In a preferred embodiment, the user terminal device may be integrated with a mobile phone.

  Hereinafter, an electronic money settlement system according to an embodiment of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing a configuration of an electronic money settlement system according to the present embodiment.

  As shown in the figure, the system includes a mobile phone 1 that is a user terminal device and a settlement terminal device 41 installed in a store or the like. The mobile phone 1 and the payment terminal device 41 communicate with each other to perform a predetermined payment process using electronic money.

  In particular, the electronic money payment system according to the present embodiment can make payments using the payment terminal device 41 for any of a plurality of types of payment services. Accordingly, it is possible to make a payment with electronic money with the mobile phone 1 equipped with a payment function of any payment service supported by the payment terminal device 41.

  Furthermore, in the electronic money payment system according to the present embodiment, the mobile phone 1 can also be equipped with a function for a user terminal for performing payments using a plurality of types of payment services.

  In the following embodiment, the payment terminal device 41 is equipped with a payment function for payment terminals related to the payment services A to E, and the mobile phone 1 is used for user terminals related to the payment services A, B, and E. The payment function is installed.

  The cellular phone 1 includes a settlement processing unit 3 that performs settlement processing with the settlement terminal device 41, a settlement management unit 5 that manages the settlement processing unit 3, a call function as an ordinary cellular phone, an e-mail function, and The mobile phone function unit 7 that realizes the Internet function, the information related to the electronic coupon, the coupon management unit 9 that manages the information, the electronic receipt information received from the settlement terminal device 41, the electronic receipt information And an electronic receipt management unit 11 for displaying or transmitting the data to another personal computer by e-mail or the like.

  The settlement processing unit 3 can be realized by a predetermined IC chip, for example. The settlement processing unit 3 includes an individual settlement processing unit 15 for the settlement service A, an individual settlement processing unit 17 for the settlement service B, an individual settlement processing unit 19 for the settlement service E, and the plurality of individual individual settlement processes. The integrated management unit 13 that manages the units 15, 17, and 19, and the communication unit 21 that transmits and receives various types of data related to electronic money settlement wirelessly between the settlement terminal device 41.

  The integrated management unit 13 can install a payment processing unit for a desired payment service in the mobile phone 1 using a predetermined installer program. The integrated management unit 13 also has a function of transmitting user setting information related to the selection of a payment service and a receipt issuing method set by the user in the payment management unit 5 to the payment terminal device 41 via the communication unit 21. Further, the integrated management unit 13 has a function of delivering the payment information and electronic receipt information transmitted from the payment terminal device 41 to the payment management unit 5, the coupon management unit 9, the electronic receipt management unit 11, and the like.

  The individual individual settlement processing units 15, 17, 19 perform settlement processing with the corresponding individual settlement processing units 57, 59, 65 mounted on the settlement terminal device 41 in accordance with a procedure specific to each settlement service. .

  The settlement management unit 5 can be realized, for example, by causing a processor in the mobile phone 1 to execute a predetermined program.

  The settlement management unit 5 includes an integrated management unit 22 including a user setting information storage unit 23 and individual settlement management units 25, 27, and 29 that manage the individual settlement processing units 15, 17, and 19 for the respective settlement services. It has a configuration with.

  The integrated management unit 22 stores various setting information designated by the user in the user setting information storage unit 23. The user setting information is, for example, which payment service is used according to the priority order and the payment amount for determining which payment service to use when the mobile phone 1 can use a plurality of payment services. Or a selection condition for selecting a payment service to be used in accordance with the store where the payment terminal device 41 is installed.

  For example, the payment service can be selected according to the purchase amount, such as payment service A for purchases of less than 3000 yen and payment service B for purchases of 3000 yen or more. Moreover, the priority order of the settlement services to be used can be set in advance. Further, an individual payment service is set for each store, such that payment is made by the payment service A when purchased at the first store and payment is made by the payment service B when purchased at the second store. You can also. In addition, in the case of a prepaid payment service, it can be set such that the balance is large, and in the case of a credit payment service, the remaining amount up to the purchase limit is large.

  The individual settlement management units 25, 27, and 29 provide user interfaces related to the processing of the corresponding individual settlement processing units 15, 17, and 19, respectively.

  The coupon management unit 9 holds coupon information and manages it. For example, the coupon information may be acquired by the mobile phone function unit 7 using the Internet function or the e-mail function, or may be acquired via the communication unit 21.

  When performing electronic money settlement, when the user performs a predetermined operation and displays an intention to use the coupon, the coupon management unit 9 transmits coupon information to the settlement terminal device 41 via the communication unit 21. After receiving the coupon information from the settlement terminal device 41 after transmitting the coupon information, the coupon management unit 9 invalidates the coupon information by deleting the coupon information or adding predetermined used information.

  The electronic receipt management unit 11 receives the electronic receipt information generated by the settlement terminal device 41, and holds and manages it. Also, the electronic receipt information can be displayed visually on the display unit of the mobile phone 1 or transferred to another personal computer by e-mail. This makes it easy to use the electronic receipt information as input for a household account book software on a personal computer.

  The settlement terminal device 41 selects a settlement communication unit 43 that communicates with the management center of each settlement service, a settlement processing unit 45 that executes settlement processing, and one settlement service to perform settlement from a plurality of settlement services. A payment service selection unit 47, a payment amount input unit 49 for inputting a payment amount, a receipt printing unit 51 for printing a receipt on paper, and a display unit 53 are provided.

  The settlement processing unit 45 can be realized by, for example, a predetermined IC chip corresponding to the settlement processing unit 3 of the mobile phone 1. The payment processing unit 45 includes individual payment processing units 57 to 65 for a plurality of payment services. In the present embodiment, the individual settlement processing units 57 to 65 perform settlement processing corresponding to the settlement services A to E, respectively. Each individual settlement processing unit 57 to 65 performs settlement processing with a corresponding individual settlement processing unit mounted on the mobile phone 1 according to a procedure specific to each settlement service. The individual settlement processing units 57 to 65 further generate electronic receipt information when the settlement process is completed.

  The settlement processing unit 45 further includes an integrated management unit 55 that manages the individual settlement processing units 57 to 65 and a communication unit 67 that transmits and receives various data related to settlement of electronic money wirelessly with the mobile phone 1. It becomes the composition.

  The integrated management unit 55 performs mutual authentication with the integrated management unit 22 of the mobile phone 1.

  The settlement service selection unit 47 selects any one of the plurality of individual settlement processing units 57 to 65 and causes the selected individual settlement processing units 57 to 65 to execute settlement processing. For the selection of the individual settlement processing units 57 to 65, for example, the settlement service selection unit 47 displays a selection screen (details will be described later) on the display unit 53 and allows the user or the operator to make a selection. Good. Alternatively, the user setting information stored in the user setting information storage unit 23 may be acquired and determined based on this.

  Further, the settlement service selection unit 47 selects a receipt output format. For example, it is determined whether a paper receipt is output as a receipt, electronic receipt information is transmitted to the mobile phone 1, or both are output. The receipt output format may be selected in accordance with a predetermined selection screen or user setting information in the same manner as the payment service selection.

  The display unit 53 is a touch panel display so that the user can easily operate. That is, the electronic money settlement method and the electronic receipt selection method by the mobile phone 1 are visually displayed on the display unit 53 of the settlement terminal device 41 by a GUI (Graphical User Interface) as shown in FIG. Can easily perform a settlement operation according to the screen of the display unit 53. At this time, if the communication unit 67 is installed behind the display unit 53, the user can make a payment by holding the mobile phone 1 over the display unit 53 after making a desired selection on the screen 100. .

  FIG. 2 shows an example of a user interface screen that the settlement service selection unit 47 displays on the display unit 53.

  The settlement service selection unit 47 displays the selection screen 100 shown in FIG. The selection screen 100 has a settlement service selection area 110 and a receipt selection area 120.

  In the settlement service selection area 110, selection reception units 111 to 115 of the settlement services A to E in which the settlement function is installed in the settlement terminal device 41 are displayed.

  The receipt output format selection unit 120 displays three output format selection areas, that is, an output 121 only for paper receipts, an output 122 only for electronic receipts, and an output 123 for paper and electronic receipts.

  At this time, the user can select one of the selection reception units 110 to 150 from the payment service selection area 110 and specify the payment service. Further, the user can select a desired receipt output format from the receipt output format selection unit 120.

  The user may select only one of the settlement service selection area 110 and the receipt selection area 120, or may not select either.

  The settlement service selection unit 47 is notified of the settlement service and receipt output format that have been selected on the selection screen 100. The settlement service selection unit 47 may prioritize the selection received on the selection screen 100 over the user setting information and determine the output format of the settlement service and the receipt.

  For example, in FIG. 2, when the selection area 112 of the payment service B is selected, as shown in FIG. 3A, the display mode in which the payment service B is more conspicuous than other payment services may be changed. Further, when the selection area 122 for outputting only the electronic receipt is selected, as shown in FIG. 3B, the display mode that makes the other output mode more conspicuous may be changed. Thereby, the selection state on the screen 100 is obvious to the user.

  Further, at the time of high-price payment, the user may further switch to the PIN input screen and allow the user to input the PIN.

  FIG. 4 is a flowchart showing the flow of electronic money payment processing performed by the payment terminal in the payment system shown in FIG.

  First, the payment processing unit 45 of the payment terminal device 41 detects and authenticates the payment processing unit 3 present in the mobile phone 1 that is a communication partner (step S11). Then, the payment processing unit 45 continues the authentication process until the payment processing unit 3 is detected and the authentication is successful (step S11: No).

  When it is authenticated that the payment processing unit 3 existing in the mobile phone 1 is valid (step S11: Yes), the payment service selection unit 47 has selected one of the payment services on the selection screen 100. Whether or not (step S12). If any payment service has been selected (step S12: Yes), the payment service selected here is determined as the use payment service (step S13).

  On the other hand, if no payment service is selected in step S12 (step S12: No), the integrated management unit 55 has the integrated management unit 13 in the payment processing unit 3 of the mobile phone 1 and is valid. Is authenticated (step S14).

  If the integrated management unit 13 exists and is authenticated as valid (step S14: OK), the integrated management unit 55 acquires the user setting information stored in the user setting information storage unit 23. . Then, the payment service selection unit 47 determines a payment service to be used according to the acquired user setting information (step S15).

  On the other hand, when the integrated management unit 13 is not authenticated as valid (step S14: NG), the payment terminal device 41 displays a screen for prompting selection of a payment service on the display unit 53 (step S16). The user determines the settlement service to be used (step S17).

  In this way, after the use settlement service is determined in step S13, step S15, or step S17, the individual settlement processing units 57 to 65 corresponding to the use settlement service correspond to the individual settlement processing unit corresponding to the mobile phone 1. Authentications 15 to 19 are performed (step S18). Here, for example, when the settlement service A is selected, the individual settlement processing unit 57 detects the individual settlement processing unit 15 and performs mutual authentication.

  If this authentication is NG (step S18: NG), the settlement terminal device 41 displays an error on the display unit 53 (step S19).

  On the other hand, if the authentication in step S18 is OK (step S18: OK), the payment processing is performed between the payment terminal device 41 and the authenticated individual payment processing units of the mobile phone 1 (step S20).

  In addition, when the user performs a predetermined operation on the mobile phone 1 to indicate the intention to use a valid coupon before the settlement is executed, the coupon information is received from the mobile phone 1 in this settlement process. And the individual settlement processing units 57 to 65 perform settlement processing using coupons. Then, the individual settlement processing units 57 to 65 give a coupon used notification to the mobile phone 1.

  Next, the output format of the receipt is determined (S21). That is, if the receipt output format is selected on the selection screen 100, the settlement service selection unit 47 determines to output the receipt in the selected format. If the receipt output format is not selected on the selection screen 100, the settlement service selection unit 47 determines the receipt output format according to the user setting information.

  Then, the settlement terminal device 41 outputs a receipt in the output format determined in step S21 (S22).

  According to the present embodiment, since one electronic payment terminal can perform electronic money payment processing corresponding to various electronic money payment services, the store need not install a plurality of payment terminals. As a result, if the store side installs one payment terminal, it can support multiple electronic money payment services, so that it is possible to use the space effectively even in a small store and to greatly reduce the equipment cost. Can do.

  Furthermore, for the user side, the priority order of the settlement means to be used is arbitrarily set according to the purchase amount, the type of the store, the usage frequency of the settlement means, and the characteristics of the settlement service such as prepaid or credit type. Therefore, the convenience at the time of payment is further improved.

  As mentioned above, although embodiment of this invention was described, this embodiment is only the illustration for description of this invention, and is not the meaning which limits the scope of the present invention only to this embodiment. The present invention can be implemented in various other modes without departing from the gist thereof.

1 is a block diagram showing a configuration of an electronic money settlement system according to an embodiment of the present invention. A user interface screen displayed on the display unit of the payment terminal. A user interface screen displayed on the display unit of the payment terminal. The flowchart which shows the flow of the payment process of the electronic money payment system which concerns on this embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Mobile phone, 3 ... Payment processing part, 5 ... Payment management part, 7 ... Mobile telephone function part, 13 ... Integrated management part, 15, 17, 19 ... Individual payment processing part, 22 ... Integrated management part, 23 ... User Setting information storage unit, 25, 27, 29 ... individual settlement management unit, 41 ... settlement terminal device, 45 ... settlement processing unit, 47 ... settlement service selection unit, 55 ... integrated management unit, 57,59,65 ... individual settlement processing Part, 57... Individual settlement processing part.

Claims (5)

An electronic money payment system comprising a user terminal device for paying with electronic money, and a payment terminal device capable of communicating with the user terminal device and receiving payment by electronic money,
The user terminal device
A plurality of user terminal device settlement means for performing settlement with a plurality of different settlement services;
Receiving means for receiving user setting information for selecting one of the plurality of payment services;
Means for storing user setting information received by the receiving means,
The payment terminal device
A plurality of payment terminal device payment means for performing payment with the plurality of payment services;
Automatic selection means for selecting any one of the plurality of payment terminal device payment means based on the user setting information stored in the user terminal device,
The payment terminal device payment means selected by the automatic selection means performs payment between the payment terminal device payment means and the user terminal device payment means of the user terminal device corresponding to the payment terminal device payment means. Money payment system. The payment terminal device
A payment selection means for receiving a user or operator operation and selecting a payment terminal apparatus payment means corresponding to the user or operator operation from the plurality of payment terminal apparatus payment means;
2. The electronic money according to claim 1, wherein the payment means for the payment terminal apparatus selected by the payment selection means is given priority over the payment means for the payment terminal apparatus selected by the automatic selection means. Payment system.   The user setting information includes at least a priority for the plurality of types of payment services, a selection condition for selecting a payment service according to a payment amount, and a payment service according to a store where the payment terminal device is installed. 2. The electronic money settlement system according to claim 1, further comprising information indicating any of selection conditions for selection. The accepting means of the user terminal device further accepts designation of an output format of a receipt as user setting information,
The payment terminal device
Electronic receipt means for generating electronic receipt information indicating a result of payment by the payment means for the payment terminal device, and transmitting to the user terminal device;
Printing means for printing a receipt indicating the result of payment by the payment terminal device payment means,
2. The electronic money settlement system according to claim 1, wherein a receipt is output in accordance with a receipt output format of the user setting information.   The electronic money settlement system according to claim 1, wherein the user terminal device is configured integrally with a mobile phone.

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