JP2008276422A - Credit card settlement system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To download credit card information used for a mobile terminal by easy operation. <P>SOLUTION: The mobile terminal 1 transmits use store information and a use ID input by receiving the operation of a user to a management server 3, the management server 3 searches a credit card information database 5 based on the use store information and the user ID received from the mobile terminal 1, and transmits the extracted credit card information to the mobile terminal 1, and the mobile terminal 1 makes a storage part store the received credit card information. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a credit card settlement system for registering credit card information for identifying a credit card contractor in a portable terminal such as a cellular phone and performing settlement using the credit card information.

  A conventional credit card payment system stores credit card information, which is personal information of a contractor related to a credit card downloaded from a server installed in a financial institution such as a credit card company or a bank, via the Internet in a storage unit of a mobile phone. There is one in which the personal information stored in the storage unit of the mobile phone is transmitted to the payment terminal by wireless communication to enable credit payment (see, for example, Patent Document 1).

In recent years, since mobile phones have become widespread, there are a plurality of financial institutions that use this technology to provide credit settlement services using mobile phones that store personal information about credit cards. Yes.
JP 2002-279320 A (paragraph “0024” to paragraph “0025”, FIG. 1)

  However, in the above-described conventional technology, there is a limit to the number of credit card information that can be stored in the storage unit of the mobile phone, and the mobile phone has a function as a credit card exceeding the limited number. If you have a different credit card function, you will need to download new credit card information from a server installed at the credit card company, etc. There is a problem that the operation of downloading is complicated.

In particular, when the credit card that can be used differs from store to store, the user needs to determine the credit card that can be used at the store where shopping is performed, and the credit card information that can be used at the store must be downloaded. There is a problem that a great burden is placed on a person.
An object of the present invention is to solve such a problem.

  Therefore, the present invention stores credit card information received from a distribution server installed for each financial institution in a storage unit of a portable terminal owned by a user, and performs credit card payment using the credit card information. In the system, a store that receives in advance credit card information specifying a user's contract account such as a user ID and a credit card number for identifying the user from a distribution server for each financial institution and uses the credit card information The credit card which receives the use store information which shows the store which uses the credit card information from the portable terminal which received the operation of the user who selects the user ID, stores the user ID, the credit card information and the use store information in association with each other A management server equipped with an information database is provided. The user ID and the use store information inputted by accepting the operation are transmitted to the management server, and the management server searches the credit card information database based on the user ID and the use store information received from the portable terminal. The extracted credit card information is transmitted to the portable terminal, and the portable terminal stores the received credit card information in a storage unit.

  According to the present invention as described above, each time a user performs shopping or the like at a store, the mobile terminal can be used with a simple operation of selecting a store to be used without determining what credit card information can be used at the store. It is possible to download the credit card information used for the user, and to reduce the burden on the user.

  Hereinafter, embodiments of a credit card settlement system according to the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing a configuration of a credit card settlement system in the embodiment.
In FIG. 1, reference numeral 1 denotes a portable terminal, which is a terminal device that a user can carry (carry). The mobile terminal 1 is a mobile phone, PHS (registered trademark), PDA (Personal Digital Assistant), portable notebook personal computer or the like, and is connected to other devices via a communication line 2 such as the Internet and a base station (not shown). Wireless communication is possible.

Further, the mobile terminal 1 includes a short-range wireless communication unit (short-range wireless communication unit) including a non-contact type IC chip (for example, an IC chip such as FeliCa (registered trademark) or Mifare (registered trademark)), which will be described later. Short-distance wireless communication is possible between the payment terminal and the short-distance wireless communication unit of the payment terminal.
The short-range wireless communication means described above may be a wireless communication means such as infrared rays.

  A management server 3 is installed at a center such as a credit card information portal service center. The management server 3 includes arithmetic and control means such as a CPU (Central Processing Unit) and MPU (Micro Processing Unit), a storage means such as a magnetic disk and a semiconductor memory, and a communication means.

The management server 3 functions as a WEB server that can communicate with the mobile terminal 1 via a communication line 2 such as the Internet and a base station (not shown).
An authentication database 4 is provided in the management server 3 and stores (registers) a password for personal authentication in advance in association with a user ID for identifying a user of the credit card payment system. Accordingly, the management server 3 can search the authentication database 4 based on the user ID received from the mobile terminal 1 and extract the password of the user, together with the extracted password and the user ID from the mobile terminal 1. Compare the received password and verify the identity.

  A credit card information database 5 is provided in the management server 3 and includes the above-described user ID, a card type indicating the type of credit card issued by a financial institution with which the user has a contract, a credit card number, an expiration date, etc. The credit card information for identifying the user's contract account, the use store information indicating the store using the credit card information, and the like are stored in association with each other.

  Therefore, the management server 3 can search the credit card information database 5 based on the user ID received from the mobile terminal 1 and extract the credit card information of the user, and the credit card received from the mobile terminal 1. The credit card information database 5 is searched based on the information indicating the store that uses the information, and the credit card information used in the store can be extracted.

Details of the credit card information database 5 will be described later.
Further, it is assumed that the management server 3 can store the history of accessing the credit card information database 5 in the storage means.
A distribution server 6 is installed at a financial institution that handles credit cards such as a credit card company or a bank. The distribution server 6 includes a calculation and control means such as a CPU, a storage means such as a magnetic disk and a semiconductor memory, a communication means, and the like, and is connected to the management server 3 via the communication line 2 so as to be communicable with each other. .

Reference numeral 7 denotes a credit card information database for each financial institution, which is provided in the distribution server 6 and stores credit card information specifying a user's contract account such as a credit card number and an expiration date in association with the user ID. .
The distribution server 6 and the credit card information database 7 for each financial institution are installed for each financial institution, and the management server 3 receives the credit card information for each financial institution periodically (every predetermined time) from the distribution server 6 of each financial institution. The user's credit card information stored (registered) in the database 7 is received and stored in the credit card information database 5.

  A payment terminal 8 is a POS (Point Of Sales) terminal, a CAT (Credit Authorization Terminal), an IC chip reader / writer, etc. having a credit card payment function installed in each store. The payment terminal 8 includes a short-range wireless communication unit (short-range wireless communication means), performs wireless communication with the portable terminal 1 incorporating a non-contact IC chip, and receives credit card information received from the portable terminal 1. Can be used for credit settlement of products purchased by the user.

Next, the configuration of the mobile terminal 1 will be described.
In FIG. 2, reference numeral 11 denotes a display unit, which is composed of a liquid crystal display or the like. The display unit 11 displays various information, the operating state of the mobile terminal 1 and the like with characters, symbols, and the like.
Reference numeral 12 denotes an input unit that detects pressing of input means of various operation keys such as a numeric keypad and a confirmation key.

A wireless communication unit 13 performs wireless communication with a base station (not shown). This wireless communication unit 13 can exchange information with the management server 3 via the communication line 2.
Reference numeral 14 denotes a short-range wireless communication unit which performs wireless communication with the portable terminal 1 incorporating a non-contact type IC chip. The short-range wireless communication unit 14 can perform wireless communication with the non-contact type IC chip of the mobile terminal 1 that is approaching, and can exchange information.

Reference numeral 15 denotes a storage unit which is composed of a storage element such as a semiconductor memory, and can store information and read out the stored information. Various types of information received from the management server 3 via the communication line 2 can be stored in the storage unit 15, and a control program (software) that controls the operation of the mobile terminal 1 as a whole can be stored. it can.
Reference numeral 16 denotes a control unit, which is composed of arithmetic and control means such as a CPU. The control unit 16 includes a display unit 11, an input unit 12, a wireless communication unit 13, a short-range wireless communication unit 14, a storage unit 15 and the like. Control based on software).

Next, the credit card information database 5 will be described.
FIG. 3 is an explanatory diagram showing the configuration of the credit card information database in the embodiment.
In FIG. 3, 31 is a user ID, which is information uniquely assigned to each user in order to identify the user of the credit card settlement system.
Reference numeral 32 denotes an application type, which is information for identifying a standard of a credit card settlement service provided by a credit card company. The application type 32 stores information for identifying a credit card settlement service standard such as “AAA” indicating the financial institution A and “BBB” indicating the financial institution B, for example.

Reference numeral 33 denotes a card type, which is information for identifying the type of credit card issued by a financial institution with which the user has a contract.
Reference numeral 34 denotes credit card information, which is information for identifying a user's credit contract account such as a credit card number.
Reference numeral 35 denotes a use store (use store information), which is information for identifying a store using the credit card information 34, for example, “Store A”, “Store B”, and the like.

Thus, the credit card information database 5 includes the user ID 31, the application type 32, the card type 33, the credit card information 34, and the use store 35, which are stored in association with each other.
Further, the user ID 31, the application type 32, the card type 33, and the credit card information 34 are stored in the credit card information database 7 for each financial institution by the management server 3 from the distribution server 6 of each financial institution at a predetermined (time) period. Information received and stored. Therefore, the user ID 31, the application type 32, the card type 33, and the credit card information 34 in the credit card information database 5 are obtained by integrating information stored in the credit card information database 7 for each financial institution of each financial institution. It is like that.

Furthermore, the use store 35 is stored in association with the credit card information 34 when the user operates the mobile terminal 1 to register the credit card information used in each store in advance. Therefore, the user can easily select the credit card information used in the store by performing an operation of selecting the store with the mobile terminal 1.
The operation of the above configuration will be described.

First, a credit card information registration process for downloading credit card information to the mobile terminal 1 when the use store 35 is not registered in the credit card information database 5 will be described.
FIG. 4 is a flowchart showing the credit card information registration process in the embodiment, which will be described in accordance with steps represented by S in the figure.

The credit card settlement process using the registered credit card information is the same as paragraph “0025” of Japanese Patent Application Laid-Open No. 2002-279320, and a description thereof will be omitted.
The operation of each unit described below is controlled by a control unit such as a central processing unit (not shown) based on a program (software) stored in a storage unit such as a memory or a magnetic disk (not shown).

  Further, the authentication database 4 stores the user ID and password of the user of the credit card settlement system in advance, and the credit card information database 5 is stored in the credit card information database 7 for each financial institution of each financial institution. It is assumed that the same user ID 31, application type 32, card type 33, and credit card information 34 as the stored information are stored.

  S1a: The wireless communication unit 13 of the mobile terminal 1 that has received an input of the URL (Uniform Resource Locator) of the management server 3 by the user's operation establishes communication with the management server 3 according to an instruction from the control unit 16 Receive portal login screen information. When the portal login screen information is received, the display unit 11 displays the received portal login screen according to an instruction from the control unit 16.

Instead of inputting the URL, connection with the management server 3 may be established, and dedicated application software for displaying a portal login screen may be executed on the mobile terminal 1.
As shown in FIG. 5, the portal login screen includes the words “login ID:” and “password:” and an area for displaying that the input has been received, a store selection means for selecting a store, and the input login This is composed of a “login” operation button and the like for transmitting the ID and password to the management server.

Here, the login ID is the same as the user ID of the user of the credit card payment system described above, and the password is for authenticating the user as described above. Therefore, the login ID and password are stored (registered) in the authentication database 4 in advance.
S2a: When the portal login screen is displayed, the input unit 12 of the mobile terminal 1 receives the input of the login ID and password, and further receives the pressing of the “login” operation button. When the pressing of the “login” operation button is detected, the wireless communication unit 13 transmits the login ID and password to the management server 3 in accordance with an instruction from the control unit 16 of the portable terminal 1.

  S3a: The management server 3 that has received the login ID and password searches for the user ID in the authentication database 4 based on the received login ID, and extracts the password stored in association with the user ID that matches the login ID. . The management server 3 compares the extracted password with the password received from the portable terminal 1 and performs identity authentication to confirm that they match, that is, to identify the person.

S4a: When the identity can be confirmed, the management server 3 notifies the mobile terminal 1 to that effect, and the display unit 11 displays a menu screen according to an instruction from the control unit 16 of the mobile terminal 1 that has received the notification.
As shown in FIG. 6, this menu screen has a wording such as “Please select a menu list button” and a “usable card information list display” operation button for displaying a list of credit card information available to the user. And a “card information download” operation button for downloading credit card information, a “use store registration” operation button for registering a store using the credit card, and the like.

S5a: The user performs an operation of selecting a “card information download” operation button. When the input unit 12 accepts the operation, the wireless communication unit 13 transmits to the management server 3 that the “card information download” operation button has been selected by an instruction from the control unit 16.
S6a: The management server 3 searches for the user ID 31 in the credit card information database 5 based on the already received login ID, and stores all the application types 32 and card types stored in association with the user ID 31 that matches the login ID. 33 is extracted. Note that the application type 32 and the card type 33 are registered in advance as information corresponding to a card or the like held by the user.

  For example, when the login ID (user ID) is “0123456” as shown in FIG. 3, the application type is “AAA”, the card type is “XXXX credit”, the application type is “AAA”, and the card type is “XXXX”. “Bank loan card”, application type “BBB”, card type “XXXXXX credit”, application type “CCC”, card type “XXXX credit” are extracted.

The management server 3 transmits all the extracted application types 32 and card types 33, that is, a list of credit card information to the mobile terminal 1.
S7a: In response to an instruction from the control unit 16 of the mobile terminal 1, the wireless communication unit 13 receives a list of credit card information, and the display unit 11 displays a list screen of the received credit card information.
This credit card information list screen is received as shown in Fig. 7, such as "Welcome △△ △△ Please select the card information you want to download from the currently registered card information and press the download button." “AAA (application type 32): XXXXXX credit XXXXXX bank loan card (card type 33)”, “BBB (application type 32): XXXXXX credit (card type 33)”, “application type 32 and card type 33” For downloading CCC (application type 32): a word such as “XXXXXX credit (card type 33)”, a selection button 62 for selecting card information (card type 33), and card information selected by the selection button 62 "Download" button 63 etc. It is.

When the credit card information list screen is displayed, the input unit 12 accepts pressing of the selection button 62 and further accepts pressing of the “download” button 63. When the input unit 12 detects that the “download” button 63 is pressed, the wireless communication unit 13 transmits the selected application type and card type together with the user ID to the management server 3 according to an instruction from the control unit 16.
S8a: The management server 3 searches the credit card information database 5 for the user ID 31, the application type 32, and the card type 33 based on the received user ID, application type, and card type, and credit card information associated therewith. 34 is extracted.

The management server 3 transmits (downloads) the extracted credit card information 34 to the mobile terminal 1.
S9a: The credit card information 34 received by the instruction of the control unit 16 of the portable terminal 1 is stored in the storage unit 15. When the received credit card information 34 is stored in the storage unit 15, the display unit 11 displays a download completion screen shown in FIG.

This download completion screen is composed of words such as “Download completed successfully. Do you want to continue downloading?”, “YES” button to continue the download, and “NO” button to complete the download is there.
When the “YES” button is pressed, the process proceeds to S7a, and downloading of other credit card information is continued. When the “NO” button is pressed, “Thank you for using. "Waiting for the use of" and a logout screen composed of a "logout" button etc. that terminates the credit card information registration process.

When the input unit 12 detects that the “logout” button has been pressed by a user operation, the control unit 16 ends the credit card information registration process.
In this way, credit card information registration processing for storing the credit card information registered in the credit card information database 5 in the storage unit 15 of the portable terminal 1 is performed.
Here, the credit card information stored in the storage unit 15 of the mobile terminal 1 is handled on the credit payment application setting screen shown in FIG. 10 after using the credit service with the credit card information stored in the mobile terminal 1. “Credit card information is automatically deleted every time” to delete the credit card information from the storage unit 15, a screen confirming that the credit card information is to be deleted from the storage unit 15 is displayed, and the credit card information is deleted by the user's selection It is assumed that one of “display confirmation screen every time after use of service” and “leave credit card information in memory without deleting” is selected with the selection button.

Note that the credit card information stored in the storage unit 15 is deleted from another operation screen even when “leave the card information in memory without deleting” is selected, which does not delete the credit card information from the storage unit 15. It shall be possible.
Further, even after the credit card information stored in the storage unit 15 of the mobile terminal 1 is erased, the credit card information registration process described above is performed, and the same credit card information as the erased credit card information or other credits It is assumed that card information can be stored in the storage unit 15.

In this way, credit card information registration processing for downloading credit card information to the mobile terminal 1 is performed.
Next, use store registration processing for registering a store using credit card information will be described.
FIG. 11 is a flowchart showing the use store registration process in the embodiment, which will be described in accordance with steps represented by S in the figure.

  The authentication database 4 stores the user ID and password of the user of the credit card payment system in advance, and the credit card information database 5 is stored in the credit card information database 7 for each financial institution of each financial institution. It is assumed that the same user ID 31, application type 32, card type 33, and credit card information 34 as the stored information are stored.

S1b to S4b: Since they are the same as S1a to S4a in FIG.
S5b: It is assumed that the user performs an operation of selecting the “use store registration” operation button. When the input unit 12 accepts the operation, the wireless communication unit 13 transmits to the management server 3 that the “use store registration” operation button has been selected by an instruction from the control unit 16.
S6b: The management server 3 that has received the fact that the “use store registration” operation button has been selected transmits to the portable terminal 1 an instruction to display the use store name search screen.

In response to an instruction from the control unit 16 of the portable terminal 1, the wireless communication unit 13 receives an instruction to display a use store name search screen, and the display unit 11 displays a use store name search screen.
As shown in Fig. 12, this used store name search screen is “Used store registration and used store can be searched by any of the following methods.”, “1. Enter keyword search, search keyword and press search button. "," The area where the entered keyword is displayed, the "Search" button to start the search, "2.50 sound search, select the relevant line and press the search button." This area is composed of an area for displaying the selected line and a “search” button for starting the search.

It is assumed that the user inputs a keyword or the like for searching for a store name, and the input unit 12 of the mobile terminal 1 accepts the operation.
In response to an instruction from the control unit 16 of the portable terminal 1, the wireless communication unit 13 transmits to the management server 3 a request for searching for the input keyword and the store name.
S7b: The management server 3 searches a database (not shown) based on the received keyword and the like, extracts a store name that can use the credit card, and gives an instruction to display a use store selection screen together with the store name. Send to. Here, the store where the credit card owned by the user cannot be used is controlled to be excluded. That is, the management server 3 searches the user ID 31 in the credit card information database 5 based on the already received login ID, and stores all the application types 32 and cards stored in association with the user ID 31 that matches the login ID. The type 33 is extracted and stores that cannot use them are excluded.

S8b: In response to an instruction from the control unit 16 of the mobile terminal 1, the wireless communication unit 13 receives an instruction to display a use store selection screen, and the display unit 11 displays a use store selection screen.
As shown in FIG. 13, the use store selection screen has a phrase such as “The following stores have been searched. Select a use store from this and press the select button.” And “Search results: store A, store B , “Store C”, etc., and a selection means 71 for selecting the store and the like.

It is assumed that the user selects a store to be used, and the input unit 12 of the mobile terminal 1 accepts the operation.
The wireless communication unit 13 transmits the selected store name to the management server 3 according to an instruction from the control unit 16 of the portable terminal 1.
S9b: The management server 3 searches a database (not shown) based on the received store name, extracts credit card information that can be used in the store, and displays a credit card information selection screen for selecting the credit card information. Is transmitted to the portable terminal 1. Here, the credit card information to be selected is controlled so as to take AND of the type of credit card held by the user and the type of credit card that can be used in the store. It is designed not to be selected by mistake.

S10b: In response to an instruction from the control unit 16 of the mobile terminal 1, the wireless communication unit 13 receives an instruction to display a credit card information selection screen, and the display unit 11 displays a credit card information selection screen.
As shown in FIG. 14, this credit card information selection screen displays the words such as “Please select the card information you want to use at the selected store from the currently registered card information and press the registration button.” And the selected store Credit card information that can be used in "Store A: XXXXXX credit XXXXXX bank loan card" (when store A is selected) and a selection means 72 for selecting usable credit card information. is there.

It is assumed that the user selects the credit card information to be used, and the input unit 12 of the mobile terminal 1 accepts the operation.
The wireless communication unit 13 transmits the selected credit card information to the management server 3 according to an instruction from the control unit 16 of the portable terminal 1.
S11b: The management server 3 searches the user ID 31 and the credit card information 34 in the credit card information database 5 based on the already received login ID and the received credit card information, and associates them with the user ID 31 and the credit card information 34. Stored in the use store 35 is a store name that uses the credit card information selected in S8b.

When the store name that uses the selected credit card information is stored, the management server 3 transmits to the portable terminal 1 an instruction to display a credit card information registration screen for notifying the user that the credit card information has been registered.
In response to an instruction from the control unit 16 of the portable terminal 1, the wireless communication unit 13 receives an instruction to display a credit card information registration screen, and the display unit 11 displays a credit card information registration screen.

As shown in FIG. 15, this credit card information registration screen displays a message such as “The following store and card information has been registered. Do you want to continue registration?” And a “YES” button for continuing registration, It consists of “NO” buttons to complete.
When the “YES” button is pressed, the process proceeds to S5b, and the registration of other use stores is continued. When the “NO” button is pressed, “Thank you for using. A logout screen composed of words such as “Waiting for use” and a “Logout” button to end the store registration process is displayed. If the “NO” button is pressed, the process may be shifted to S4b.

When the input unit 12 detects that the “logout” button is pressed by a user operation, the control unit 16 ends the use store registration process.
In this way, a store selection process is performed in which the store selected by the user's operation is stored in the store 35 associated with the user ID 31 and the credit card information 34 in the credit card information database 5.

Next, a store-specific credit card information registration process for selecting a store to be used and downloading credit card information to the mobile terminal 1 will be described.
FIG. 16 is a flowchart showing the store-specific credit card information registration processing in the embodiment, and will be described in accordance with steps represented by S in the figure.
The authentication database 4 stores the user ID and password of the user of the credit card payment system in advance, and the credit card information database 5 is stored in the credit card information database 7 for each financial institution of each financial institution. It is assumed that the same user ID 31, application type 32, card type 33, and credit card information 34 as the information thus stored are stored, and the use store 35 is stored in the use store registration process described above.

S1c: Same as S1a in FIG.
S2c: When the portal login screen is displayed, the input unit 12 of the portable terminal 1 accepts the input of the login ID, password, and store name to be used as shown in FIG. . When the pressing of the “login” operation button is detected, the wireless communication unit 13 transmits the login ID, password, and store name to the management server 3 in accordance with an instruction from the control unit 16 of the portable terminal 1.

In this embodiment, it is assumed that the store A is selected as shown in FIG.
S3c: The management server 3 that has received the login ID, password, and store name searches for the user ID in the authentication database 4 based on the received login ID, and is stored in association with the user ID that matches the login ID. Extract the password. The management server 3 compares the extracted password with the password received from the portable terminal 1 and performs identity authentication to confirm that they match, that is, to identify the person.

  S4c: If it can be confirmed that the user is the identity, the management server 3 searches for the user ID 31 in the credit card information database 5 based on the already received login ID, and is stored in association with the user ID 31 that matches the login ID. All the application types 32 and the card types 33 are extracted, the use store 35 is searched based on the received store name, all the application types 32 stored in association with the use store 35 matching the store name, and The card type 33 is extracted.

  For example, as shown in FIG. 3, when the login ID (user ID) is “0123456” and the store name is “Store A”, the application type is “AAA” and the card type is “XXXX credit”. Thereby, the type of the credit card to be used at “Store A” is specified. If a plurality of credit cards are extracted, since a credit card to be used cannot be specified, a list is transmitted.

The management server 3 transmits to the mobile terminal 1 all the extracted application types 32, card types 33, and use stores 35, that is, the types of credit cards used in the selected store or a list thereof.
S5c: In response to an instruction from the control unit 16 of the mobile terminal 1, the wireless communication unit 13 receives a credit card type or a list thereof. If there is only one credit card type, the credit card information is treated as selected. When the card type is sent as a list, the display unit 11 displays a list screen of credit card information to be selected based on the received information.

  This credit card information list screen is received as shown in Fig. 18, such as "Welcome △△ △△ Please select the card information you want to download from the currently registered card information and press the download button." Selection button 82 and selection button for selecting words such as “for store A (use store 35): XXXXXX credit (card type 33)” and card information (card type 33), which are use store 35 and card type 33 A “download” button 83 for downloading the card information selected in 82 is formed. The received application type 32 may be displayed in association with the card type 33.

When the credit card information list screen is displayed, the input unit 12 accepts pressing of the selection button 82 and further accepts pressing of the “download” button 83. When the input unit 12 detects that the “download” button 83 is pressed, the wireless communication unit 13 transmits the selected application type and card type together with the user ID to the management server 3 according to an instruction from the control unit 16.
If the received credit card type is only one, the above screen is not displayed, and the above processing is performed assuming that the corresponding credit card information is selected.

S6c: The management server 3 searches the user ID 31, the application type 32, and the card type 33 in the credit card information database 5 based on the received user ID, application type, and card type, and credit card information associated therewith. 34 is extracted.
The management server 3 transmits (downloads) the extracted credit card information 34 to the mobile terminal 1.

S7c: The credit card information 34 received by the instruction of the control unit 16 of the portable terminal 1 is stored in the storage unit 15. When the received credit card information 34 is stored in the storage unit 15, the display unit 11 displays a download completion screen shown in FIG.
This download completion screen is composed of words such as “Download completed successfully. Do you want to continue downloading?”, “YES” button to continue the download, and “NO” button to complete the download is there.

  When the “YES” button is pressed, the process proceeds to S5c, and downloading of other credit card information is continued. When the “NO” button is pressed, “Thank you for using. "Waiting for the use of" and a logout screen composed of a "logout" button etc. that terminates the credit card information registration process.

When the input unit 12 detects that the “logout” button has been pressed by a user operation, the control unit 16 ends the credit card information registration process.
In this way, the store to be used is selected and credit card information registered in the credit card information database 5 is downloaded to the mobile terminal 1 for each store.

  Here, the credit card information stored in the storage unit 15 of the mobile terminal 1 in the credit card information registration process or the store-specific credit card information registration process is stored in the mobile terminal 1 on the credit settlement application setting screen shown in FIG. After using the credit service with the credit card information, delete the credit card information from the storage unit 15 "automatically delete the card information every time", confirm that the credit card information is deleted from the storage unit 15 Either “Display confirmation screen every time after using the credit service”, which is displayed on the screen and deleted by the user's selection, or “Do not delete the card information in the memory” without deleting the credit card information from the storage unit 15 Is selected with the selection button.

Note that the credit card information stored in the storage unit 15 is deleted from another operation screen even when “leave the card information in memory without deleting” is selected, which does not delete the credit card information from the storage unit 15. It shall be possible.
Further, even after the credit card information stored in the storage unit 15 of the mobile terminal 1 is erased, the credit card information registration process described above is performed, and the same credit card information as the erased credit card information or other credits It is assumed that card information can be stored in the storage unit 15.

In this way, the user can download the credit card information used only when shopping or the like is necessary to the portable terminal 1 by selecting “deleting card information automatically every time” or the like.
In the present embodiment, the login ID and password are used for user authentication, but a unique identification ID assigned to each portable terminal 1 may be used instead of the login ID. Further, as an alternative or combination of passwords, personal authentication may be performed using biometric information such as fingerprints, finger vein patterns, face images, and the like.

  In the present embodiment, a list of all pre-registered credit card information is displayed on the mobile terminal 1, and the example in which the user selects the credit card information desired to be used from the list is described. In conjunction with the payment terminal 8 of the credit card member store), the credit card information that can be used in the store in advance is taken into the mobile terminal 1 and used in the store after collating with the credit card information list received from the management server 3. A list of possible credit card information may be displayed on the mobile terminal 1.

Further, in this embodiment, an example in which credit card information is centrally managed by the management server 3 has been described, but electronic money information, membership card information, point card information, and the like may be centrally managed.
As described above, in this embodiment, since the credit card information used for each store where the user performs shopping or the like is registered in the credit card information database 5 in advance, every time the user performs shopping or the like at the store. In addition, it is possible to download the credit card information used for the portable terminal 1 by a simple operation of selecting the store to be used without determining what credit card information can be used at the store.

Further, even when one mobile terminal 1 is provided with a plurality of credit card functions, the storage unit 15 receives a plurality of credit card information from one management server 3 installed in the credit card information portal service center. Therefore, it is possible to reduce the operation burden on the user by performing an operation such as personal authentication once.
Furthermore, the management server for downloading the credit card information to the portable terminal 1 may be installed in one credit card information portal service center, and there is an effect that it is not necessary to install for each credit card company.

Even if the mobile terminal is lost, damaged, etc., after using the credit service with the credit card information, the credit card information is set so as to be deleted from the storage unit 15 of the mobile terminal 1, so that the credit card information is deleted. There is no need to reissue card information, and there is an effect that it is not misused by a third party.
Furthermore, even when the user purchases a new mobile terminal 1 (such as changing the mobile phone model), there is no need for a complicated operation for transferring the credit card information stored in the storage unit 15 to a new mobile terminal. By easily downloading the credit card information, it is possible to obtain a credit card settlement service immediately.

The block diagram which shows the structure of the credit card payment system in an Example The block diagram which shows the structure of the portable terminal in an Example Explanatory drawing which shows the structure of the credit card information database in an Example The flowchart which shows the credit card information registration processing in the execution example Explanatory drawing of the login screen of the portable terminal in an Example Explanatory drawing of the menu screen of the portable terminal in an Example Explanatory drawing of the credit card information list screen of the portable terminal in the embodiment Explanatory drawing of the download completion screen of the portable terminal in an Example Explanatory drawing of the logout screen of the portable terminal in the embodiment Explanatory drawing of the credit payment application setting screen of the mobile terminal in the embodiment The flowchart which shows the use store registration process in an Example Explanatory drawing of a use terminal name search screen of a portable terminal in an embodiment Explanatory drawing of the use store selection screen of the portable terminal in an Example Explanatory drawing of the credit card information selection screen of the portable terminal in an Example Explanatory drawing of the credit card information registration screen of the portable terminal in an Example The flowchart which shows the credit card information registration process according to store in an Example Explanatory drawing of the login screen of the portable terminal in an Example Explanatory drawing of the credit card information selection screen of the portable terminal in an Example

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Mobile terminal 2 Communication line 3 Management server 4 Authentication database 5 Credit card information database 6 Distribution server 7 Credit card information database for every financial institution 8 Payment terminal 11 Display part 12 Input part 13 Wireless communication part 14 Near field communication part 15 Storage part 16 Control unit

Claims (2)

In a credit card payment system that stores credit card information received from a distribution server installed for each financial institution in a storage unit of a mobile terminal possessed by a user and performs payment using the credit card information,
Credit card information for identifying a user's contract account such as a user ID for identifying a user and a credit card number is received in advance from a distribution server for each financial institution and a store that uses the credit card information is selected. A credit card information database that receives use store information indicating a store that uses the credit card information from a mobile terminal that has received the user's operation and stores the user ID, credit card information, and use store information in association with each other. Provided a management server,
When the user ID received from the portable terminal and the user ID input and the store information used are transmitted to the management server, the management server uses the user ID and the store information received from the portable terminal. The credit card information database is searched based on this, the extracted credit card information is transmitted to the portable terminal, and the received credit card information is stored in a storage unit in the portable terminal. Payment system. The credit card payment system according to claim 1,
When there are a plurality of extracted credit card information, a screen for selecting credit card information is displayed on the mobile terminal, and the selected credit card information is transmitted to the mobile terminal and stored in the storage unit. A featured credit card payment system.