JP2008217277A - Mobile-phone barcode payment method and system - Google Patents

Mobile-phone barcode payment method and system Download PDF

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Publication number
JP2008217277A
JP2008217277A JP2007052108A JP2007052108A JP2008217277A JP 2008217277 A JP2008217277 A JP 2008217277A JP 2007052108 A JP2007052108 A JP 2007052108A JP 2007052108 A JP2007052108 A JP 2007052108A JP 2008217277 A JP2008217277 A JP 2008217277A
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Prior art keywords
barcode
mobile phone
payment
server
data
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JP2007052108A
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Japanese (ja)
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Kazuhiko Konda
和彦 根田
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Media Portal Japan Co Ltd
メディアポータルジャパン株式会社
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Priority to JP2007052108A priority Critical patent/JP2008217277A/en
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Abstract

PROBLEM TO BE SOLVED: To provide a method and a system capable of smoothly making a settlement using a mobile phone without using an expensive portable CAT terminal.
SOLUTION: Input predetermined data (ID, contract number, amount, etc.) with a first mobile phone (diplomat's mobile phone), send the data to a bar code conversion server, and set it as a bar code for settlement. Convert (100-102). The barcode is sent to the first mobile phone, and the barcode is displayed on the screen (103, 104). The bar code is photographed and read by the second mobile phone (customer's mobile phone) (105). The read barcode is decrypted (106), the barcode decryption data is transmitted to the AP server (107, 108), information for executing settlement on the AP server is generated (109), and the settlement server sends the information to the settlement server. Information is transmitted to (110). When payment processing is executed by the payment server, the result is returned to the AP server and the mobile phone (111 to 116).
[Selection] Figure 2

Description

  The present invention relates to a mobile phone bar code settlement method and system that allows a user to pay a fee without using a mobile phone without going to a convenience store or the like. In particular, the present invention relates to a device that allows payment by a barcode even when no barcode is displayed on an invoice and that does not require the use of an expensive CAT (Credit Authorization Terminal) terminal.

  In recent years, convenience stores often offer services for receiving public charges such as telephone / electricity / gas usage fees, NHK listening fees, and taxes. In these services, the billing source prints out a multi-invoice, sends it to the customer, brings the invoice to the convenience store, the convenience store clerk confirms the fee type and amount, receives the fee at the register, This is done by a series of processes including a receipt confirmation stamp, a receipt page separation / delivery, and a payment notice to the charge requester and a remittance after processing the fee.

  Conventional convenience store settlement services require a lot of work for one payment agency service, take too much time compared to sales of convenience store products, the burden of the clerk in the voucher processing business, and the receipt fee There are problems such as that it is easy to make mistakes in reading, and that it requires trouble such as notification of payment to the billing source.

In addition, the billing source requires billing administrative expenses and labor for issuing / sending invoices addressed to individuals, and it takes time to collect money before depositing, and prepares a system for depositing and managing from many convenience stores. There was a need.
There exists invention described in patent document 1 as what solves the said subject.

JP 2003-216882 A "Convenience Store Payment Support System" Using the communication function of a mobile terminal such as a mobile phone owned by a customer, billing information from a charge billing source or a convenience store payment support center to the customer's mobile terminal via the Internet, etc. The customer who received this information exchanges the billing information between the mobile terminal and the convenience store terminal, confirms the billing information between the convenience store terminal and the center, and this operation from the convenience store terminal Send payment information to the center and issue a receipt to the customer.

  In the invention described in Patent Document 1, a user needs to go to a convenience store with a mobile phone and pay a fee there. However, it is convenient if the user can pay the utility bills without going to the convenience store. For example, if the user can pay the fee with his mobile phone, the procedure can be performed anytime and anywhere, which is very convenient. It is.

  By the way, it is that the bar code is displayed on the invoice that can be paid by the conventional procedure. By reading the bar code at a POS at a convenience store, the payment process for payment of the fee can be performed smoothly. It is convenient if the payment process can be performed smoothly even when the barcode is not displayed on the invoice.

  A so-called CAT terminal is known as an apparatus for performing such payment processing. CAT is an abbreviation for Credit Authorization Terminal, which is a terminal device that can settle credit, and there are a stationary type and a portable type. Portable CAT terminals are used, for example, for cash on delivery for home delivery. When the courier company delivers the product, it can be settled by credit by entering the customer's credit card information.

  A portable CAT terminal is very convenient in scenes such as courier payments, but there are also problems. Portable CAT terminals are expensive and are not available to all courier personnel. Therefore, when a credit card payment is desired, the courier company often has to return to the sales office and bring a portable CAT terminal. When the portable CAT terminal is paying out, it takes time to deliver the product to the customer. On the other hand, when visiting customers' homes and collecting fees, there is a desire to avoid giving and receiving cash as much as possible from the viewpoint of management and safety. This is especially true when dealing with small amounts of cash. However, a portable CAT terminal is expensive and requires a large amount of capital investment, which cannot be realized.

  The present invention has been made to solve the above-described problems, and an object of the present invention is to provide a method and system for applying a payment system using a barcode to a business model for visiting a customer's home and collecting a fee. And That is, there is provided a method and system that can smoothly make payments using a mobile phone without using an expensive portable CAT terminal, and can be applied even if a barcode is not displayed on the bill. The purpose is to provide.

The present invention is a method for performing online payment by credit card or the like,
Logging in to the barcode conversion server on the first mobile phone;
A step of transmitting data specifying a product such as a contract number and an amount to the barcode conversion server;
In the barcode conversion server, converting the data into a barcode including data relating to the cost claim based on a database that stores data for generating a barcode for settlement in advance;
Transmitting the barcode to the first mobile phone;
Displaying the received barcode on the screen of the first mobile phone;
Reading the barcode with a second mobile phone;
Decoding the read barcode;
Accessing the settlement processing server registered in advance by the user of the second mobile phone with the second mobile phone and receiving authentication of the settlement processing server;
When the authentication is passed, transmitting the barcode decryption data from the second mobile phone to the payment processing server;
Generating information for executing payment based on the user information and the barcode decryption data registered in advance in the payment processing server;
And executing a settlement process on the settlement processing server.

  The use of the Internet is expanding in the fields of consumer goods sales and reservations and financial services. The present invention provides a storage agent system that newly uses a mobile phone as the user's base expands due to convenience improvements such as the spread of broadband.

  Embodiments of the present invention provide a simple system where payment can be made anywhere, 24 hours a day. In other words, a mobile phone is used to access a server and generate and display a bar code for payment, thereby providing online payment using a credit card or the like. This makes it easy for anyone to make online payments at any time, and there is no need to go to a convenience store to pay the fee. In addition, an expensive portable CAT terminal is not required.

Hereinafter, a method and a system according to an embodiment of the invention will be described with reference to the drawings.
FIG. 1 is a schematic diagram of a system according to an embodiment of the invention.
FIG. 2 is a schematic flowchart of a method according to an embodiment of the invention.
3 to 7 show examples of screens of the first mobile phone operated by a diplomat (for example, a courier).

  As shown in FIG. 1, the system according to the embodiment includes a first mobile phone CP1 operated by a diplomat, a second mobile phone operated by a customer (client), a public communication line, a barcode conversion server. It consists of SV1, database DB, and AP server / settlement server SV2.

  The bar code conversion server SV1 generates a bar code for settlement with reference to the database DB based on data such as an ID received from the first mobile phone CP1, a sales item, and an amount of money. The barcode corresponds to the conventional barcode displayed on the bill. That is, data such as an ID, a sale item, and an amount from the first mobile phone CP1 is converted into a bar code for settlement. In the database DB, data for performing the conversion (client code corresponding to the ID, data necessary for settlement such as a credit card, data such as the amount and discount rate corresponding to the sales item, etc.) are stored in advance. Yes.

  The AP server / settlement server SV2 receives the converted barcode and performs a settlement process.

Next, a method according to the embodiment of the invention will be described with reference to FIG.
When a diplomat (such as a courier staff member) visits a customer's home and receives a request to make a payment, the user first logs in to the barcode conversion server SV1 (100). The login screen is shown in FIG.

  When logged in, predetermined data is transmitted to the barcode conversion server SV1 (101). The data is necessary for generating a barcode (equivalent to the barcode displayed on the conventional bill) necessary for the customer to make the payment. The data is, for example, a foreign agent ID, a contract number, and an amount. A screen for inputting the data is shown in FIG.

  Receiving data from the first mobile phone CP1, the barcode conversion server SV1 converts the data into a barcode necessary for payment (102) and sends the converted barcode to the first mobile phone CP1 ( 103). The first mobile phone CP1 displays the received barcode on the screen (104). An example of a bar code display screen is shown in FIG.

  The barcode displayed on the first mobile phone CP1 is read by the second mobile phone CP2 (105). Thereafter, settlement processing is performed based on the barcode (106 to 116). The payment process will be described later.

  The barcode is decoded by the second mobile phone (106), the AP server is accessed (107), and the barcode decoding data is sent (108). Upon receiving the barcode decoding data, the AP server generates payment information (109). The AP server sends a settlement request to the settlement server (110), performs settlement processing at the settlement server (111), and returns the settlement result to the AP server (112). The settlement result is sent from the AP server to the first and second mobile phones (113, 115), and the settlement result is displayed on each mobile phone (114, 116). Until the settlement result is sent, a screen as shown in FIG. 6 is displayed on the first mobile phone CP1, and when the settlement result is sent, a screen as shown in FIG. 7 is displayed. At this point, payment is complete.

  Note that a personal computer may be used instead of the first mobile phone CP1. Thus, the stationary CAT terminal can be replaced. An example of this is shown in FIGS. It can be said that the personal computer PC is a combination of the first mobile phone CP1 and the barcode conversion server SV1. Since the operation is the same as that in FIGS. 1 and 2, the description thereof is omitted.

The embodiment of the invention has the following features.
-An expensive portable CAT terminal becomes unnecessary.
・ Since there is no cash exchange, there is no need for small cash management.
・ Since there is no cash handling, no transfer fee is required.
・ Easy operation allows anyone to collect and check on the spot.
・ Diplomatic personnel do not keep credit cards and make payments in front of customers, so customers can be relieved of credit card misuse. No worries about so-called skimming.

-Unlike a portable CAT terminal, it can be used for scenes with fixed periods such as events.
・ Since the mobile phone is used as it is, no fixed telephone line is required.
-Easily apply payment information to other customer management systems.
・ You can manage the settlement status of multiple diplomats collectively.
・ From the customer's point of view, there is an advantage that you can rest assured that you do not have to hand over the credit card to the other party, and you can easily pay from the credit card / net bank.
The present invention can be applied not only to credit card settlement but also to so-called Internet banking (net bank) internet payments and general bank so-called mobile banking payments.

The embodiment of the invention can be used in the following scenes.
・ Immediate settlement in front of customers at large stores
·Door-to-door sales
・ Small hospital
・ Settlement at the destination such as home visit
・ "Desktop payment" at restaurants, etc.
・ Driving agency business, personal taxi, multi-store fashion building, stalls, street vendors, event venues, exhibition halls, etc.
・ Transportation business such as courier service, light cargo and motorcycle service
・ Home delivery pizza, catering, etc.

  Next, the processing indicated by reference numerals 106 to 116 in FIG. 14 and the system for this will be further described. Note that the following description is a general description of a payment process based on a barcode using a mobile phone, and supplements the explanation for each point specific to the above-described method and system.

  FIG. 10 is a block diagram showing the entire system according to the embodiment of the present invention (settlement processing based on a barcode).

The system / method according to the embodiment (payment processing based on barcode) of the present invention provides the following services.
(1) A service that allows customers to easily pay for bills with barcodes at convenience stores, banks, and post offices using their mobile phones anytime and anywhere using mobile phones (2) Public Charge emergency request payment system: A service that can be paid if there is a mobile phone in the event of an emergency or unpaid request, such as a sudden change of address. , Can be used.
In the figure, CP is a mobile phone with a barcode reading function. Most mobile phones have a camera function, but the camera is used to shoot barcodes, and many mobile phones have the ability to decode barcodes by image processing.

  The load balancer 11 to the transaction LOG storage unit 26 show some of the components of the system for providing the method according to the embodiment of the present invention (payment processing based on barcode). Reference numerals 12 and 13 are front servers. Reference numerals 22 and 23 are back office servers.

  A system according to an embodiment of the present invention (payment processing based on a barcode) communicates with an electronic money service server 3 of an electronic money service company, a credit payment server 4 of a payment center, and a bank / postal savings payment server 5. Do.

  FIG. 11 is a flowchart showing the processing of the system according to the embodiment of the present invention (settlement processing based on a barcode). Hereinafter, the operation of the system / method according to the embodiment of the present invention (payment processing based on a barcode) will be described with reference to FIGS.

  In order to execute the system / method according to the embodiment of the present invention (payment processing based on barcode), an application program is downloaded to the mobile phone CP with barcode reading function. With this program, the mobile phone functions as a very small computer connected to the Internet.

  According to the program, the mobile phone has the same function as a POS scanner of CVS (Convenience Store), so to speak, it is possible to provide more than 40 million POS scanners for CVS settlement.

  A program according to the embodiment of the present invention (settlement processing based on a barcode) is executed on a mobile phone with a barcode reading function (S1).

  The user selects “payment start” from the menu displayed on the screen of the mobile phone in FIG. In response to the selection, the mobile phone described below executes a payment process (S2).

  The user presses the “read” button on the barcode reading screen of the mobile phone of FIG. In response, the mobile phone activates the camera (or barcode reader) (S3).

  The user points the camera toward the storage slip (invoice) with a barcode and photographs the barcode printed on the mobile phone (displayed on the screen of the first mobile phone CP1 in the second form phone CP2). A bar code (see FIG. 5). The mobile phone processes the photographed image and decodes the photographed barcode (S4). As shown in FIG. 14, barcodes of a plurality of bills can be taken. The mobile phone is assumed to have a function of reading a JAN code or QR code and decoding the contents.

  There are three and four bar codes displayed on the invoice. The former includes a company name, a finance code, and an amount code, and the latter further includes a due date code. The barcode is decoded by the mobile phone, and the decoded data is sent to the server.

  Recently, an EAN code (European Article Number) is also used. This is a 128-bit code and only one level of display is required. Since there is no decoder for analyzing this code with a mobile phone, an image is sent from the mobile phone to a dedicated image analysis server (not shown), decoded by the image analysis server, and the result returned to the mobile phone. Yes. Display on mobile phone based on the returned data. Except for this point, the EAN code processing is the same as the JAN code processing.

  When all of the invoice barcodes have been taken, the user presses the “Finish Scanning Next” button. When the “Reading is finished” button is pressed (YES in S5), the mobile phone starts connection processing to the server (S6). FIG. 15 shows a connection screen to the server. The authentication at this time can use the authentication function of the mobile phone.

  Data required for payment includes personal information related to credit payments (card number, expiration date, CVC number), bank / postal savings information (name, bank name, branch name, account (general / usual), account number) ). These data are sent to the settlement server.

  The mobile phone displays a payment destination / payment method screen (FIG. 16) and waits for the user to select a payment method and to operate the “next” button (S7). If the credit card has not been registered, the screen shown in FIG. 17 is displayed to prompt the user to input the credit card.

The mobile phone displays the confirmation screens of FIGS. 18 and 19 and waits for the user to input a password.
Upon receiving the password input, the mobile phone performs authentication processing, and if the authentication passes, sends information necessary for payment to the payment server (S9).

  If the response from the payment server is approval of the payment (approved in S10), the mobile phone displays the payment completion screen of FIG. 20 (S11). If not approved (rejected in S11), a payment impossible screen is displayed (S12).

  According to the embodiment of the invention (payment processing based on barcode), using the JAN code and QR code reading function attached to the camera-equipped mobile phone, a bill such as a utility bill with a barcode is provided. You can pay anytime, anywhere, home or office whenever you want. As long as you have a mobile phone, you can pay 24 hours a day, anywhere, providing a simple, secure and cashless system.

  According to the embodiment of the invention (payment processing based on barcode), the credit card of each company owned by the user is registered for each user ID while using the service. Will be possible, and the payment time will be greatly reduced. In addition to credit cards, payment using an internet bank is also possible.

  From the contracting company's side (electricity, gas, etc.), the data received from the system / method according to the embodiment of the invention (payment processing based on barcode) should be received in the same way as the data stored in conventional convenience store payments. Therefore, no new investment in the recovery system is necessary, and its introduction is very simple. The contract company already has a system to receive from the convenience store, so it only takes as much trouble as opening a new convenience store account.

In addition, as an emergency request settlement function, a function for displaying settlement information sent in an emergency and performing settlement may be provided.
Further, as a barcode determination function, a function of determining a product from the read barcode may be provided.
In addition, as a payment history function, a function of displaying past payment data may be provided.
In addition, a receipt may be issued by sending data from a mobile phone with a printer by infrared communication or the like.

  The present invention is not limited to the above embodiments, and various modifications can be made within the scope of the invention described in the claims, and these are also included in the scope of the present invention. Needless to say.

1 is a schematic block diagram of a system according to an embodiment of the invention. It is a process flowchart of the system which concerns on embodiment of invention. It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment of invention. It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment of invention (continuation). It is a schematic block diagram of the other system which concerns on embodiment of invention. It is a process flowchart of the other system which concerns on embodiment of invention. 1 is a block diagram of a system according to an embodiment of the invention (settlement processing based on a barcode). It is a process flowchart of the system which concerns on embodiment (payment process based on barcode) of invention. It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (payment process based on barcode) of invention. It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation). It is an example of a mobile telephone screen for demonstrating operation | movement of the system which concerns on embodiment (settlement processing based on barcode) of invention (continuation).

Explanation of symbols

1 Front system 11 Load balancing device 12 AP server (normal system)
13 AP server (standby system)
14 Firewall 2 Back office system 21 Load balancing device 22 AP server (normal system)
23 AP server (standby system)
24 DB control server 25 Customer master storage unit 26 Transaction LOG storage unit 3 Electronic money service server 4 Credit settlement server 5 Bank / postal savings settlement server CP1 First cellular phone CP2 Second cellular phone DB Database NET Public line Network PC Personal computer SV1 Barcode conversion server SV2 AP server / Payment server

Claims (5)

  1. A method for performing online payment by credit card or the like,
    Logging in to the barcode conversion server on the first mobile phone;
    A step of transmitting data specifying a product such as a contract number and an amount to the barcode conversion server;
    In the barcode conversion server, converting the data into a barcode including data relating to the cost claim based on a database that stores data for generating a barcode for settlement in advance;
    Transmitting the barcode to the first mobile phone;
    Displaying the received barcode on the screen of the first mobile phone;
    Reading the barcode with a second mobile phone;
    Decoding the read barcode;
    Accessing the settlement processing server registered in advance by the user of the second mobile phone with the second mobile phone and receiving authentication of the settlement processing server;
    When the authentication is passed, transmitting the barcode decryption data from the second mobile phone to the payment processing server;
    Generating information for executing payment based on the user information and the barcode decryption data registered in advance in the payment processing server;
    And executing a payment process on the payment processing server.
  2. Transmitting the result of payment processing from the payment processing server to the first and second mobile phones;
    The mobile phone barcode payment method according to claim 1, further comprising a step of displaying a result of the payment processing on the screens of the first and second mobile phones.
  3. A method for performing online payment by credit card or the like,
    Entering data to identify the product such as contract number and price on a computer,
    On the personal computer, converting the data into a bar code including data relating to the expense claim based on a database that stores data for generating a bar code for payment in advance;
    Displaying the barcode on a screen of a display device of the personal computer;
    Reading the barcode with a mobile phone;
    Decoding the read barcode;
    Accessing the payment processing server registered in advance by the mobile phone user with the mobile phone, and receiving authentication of the payment processing server;
    When the authentication is passed, transmitting the barcode decryption data from the mobile phone to the payment processing server;
    Generating information for executing payment based on the user information and the barcode decryption data registered in advance in the payment processing server;
    And executing a payment process on the payment processing server.
  4. A first mobile phone possessed by a diplomat, the second mobile phone of the user, a barcode conversion server, a database connected to the barcode conversion server, and a server for settlement processing;
    The barcode conversion server generates a barcode for payment by referring to the database based on data such as an ID, a contract number, and an amount received from the first mobile phone, and the database includes the payment Pre-store data for generating barcodes for
    The first mobile phone receives the barcode and displays it on the screen;
    The second mobile phone reads the displayed barcode,
    The mobile phone barcode payment system, wherein the payment processing server receives the barcode from the second mobile phone and performs payment processing.
  5. A user's mobile phone, a personal computer including a database storing predetermined data, and a server for settlement processing;
    The personal computer refers to the database based on the input ID, contract number, data, etc., generates a barcode for settlement, and displays the barcode on a display device.
    The database stores in advance data for generating the barcode for payment,
    The first mobile phone reads the displayed barcode,
    The mobile phone barcode payment system, wherein the payment processing server receives the barcode from the mobile phone and performs payment processing.
JP2007052108A 2007-03-01 2007-03-01 Mobile-phone barcode payment method and system Pending JP2008217277A (en)

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CNA2007101032813A CN101256652A (en) 2007-03-01 2007-05-15 Portable phone bar code settlement method and system

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