JP2009230626A - Additional service information provision device of electronic money and electronic money settlement terminal - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a user to simply use additional service corresponding to a plurality of kinds of electronic money. <P>SOLUTION: The additional service information provision device of the electronic money includes a service information storage means 31 for storing and holding additional service information corresponding to each of the plurality of kinds of electronic money. The additional service information provision device of the electronic money includes an electronic money information reading means 22 for reading each piece of electronic money information from an electronic money information storage medium which stores each piece of the electronic money information about the plurality of kinds of electronic money. The additional service information provision device of the electronic money includes a service information provision means 20 for acquiring each piece of the additional service information corresponding to the electronic money, whose electronic money information is read by the electronic money information reading means 22 from the service information storage means 31 to provide a user of the electronic money information storage medium with each piece of the additional service information. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an electronic money additional service information providing device, an electronic money settlement terminal device, an electronic money additional service information providing system, an electronic money settlement system, an electronic money additional service information providing method, and a program.

  In recent years, as a payment method in convenience stores, shopping malls, vending machines, etc., a payment method using electronic money has become widespread.

  A user who performs settlement with electronic money uses an electronic money information storage medium storing electronic money information.

  The electronic money information storage medium includes, for example, a non-contact type IC, and this non-contact type IC is, for example, built in a mobile phone, built in a mobile terminal device other than the mobile phone, or It is built into the IC card.

  Examples of additional services associated with such electronic money settlement include, for example, point services (so-called points added according to the number of usage and amount of money used) for each company operating the electronic money business, and discounts for each product. There are various types of additional services such as coupons for providing services.

  The user collects information on the Internet and various public advertisements in advance about the features and effective usage methods of each additional service, and then selectively uses electronic money suitable for each usage form.

  As prior art documents related to the present invention, there are Patent Documents 1 and 2.

Patent Documents 1 and 2 provide an electronic money payment system in which payment can be made with a plurality of types of electronic money using a single payment terminal device using a non-contact IC chip. Furthermore, in the electronic money payment systems of Patent Documents 1 and 2, the user can select the electronic money used for the payment by performing a selection operation on the payment terminal device.
JP 2007-280063 A JP 2006-301780 A

  However, in the conventional electronic money settlement system, the user uses the Internet or various public advertisements in advance for various additional services for each electronic money business operating company and for each product manufacturer or sales company. It was necessary to select electronic money to be used for payment after collecting information and comparing and examining additional services suitable for each type of usage.

  For example, even when purchasing the same product, the point return rate may differ depending on each electronic money company. Further, depending on the type and combination of purchased products, additional services for each store and additional services for each company may be obtained or not obtained. For this reason, since there is a great deal of information that the user has to compare and examine in advance, the burden on the user is great and it is difficult to easily use additional services.

  In addition, it is difficult for a user who does not have an information source to select an additional service optimum for the user.

  The present invention provides an electronic money additional service information providing apparatus, an electronic money settlement terminal apparatus, an electronic money additional service information providing system, an electronic money settlement system, and an electronic money addition capable of solving the above problems. It is an object to provide a service information providing method and program.

  In order to solve the above problems, an electronic money additional service information providing apparatus according to the present invention includes service information storage means for storing additional service information corresponding to each of a plurality of types of electronic money, and each of the plurality of types of electronic money. Electronic money information reading means for reading each electronic money information from an electronic money information storage medium storing the electronic money information, and additional service information corresponding to the electronic money from which the electronic money information is read by the electronic money information reading means Service information providing means for obtaining each from the service information storage means and providing it to a user of the electronic money information storage medium.

  The electronic money settlement terminal device according to the present invention includes a service information storage unit that stores additional service information corresponding to each of a plurality of types of electronic money, and an electronic device that stores the electronic money information of each of the plurality of types of electronic money. Electronic money information reading means for reading each electronic money information from a money information storage medium, and additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means, Service information providing means obtained and provided to the user of the electronic money information storage medium, and which of the electronic money stored in the electronic money information storage medium is used for settlement Selection operation means for selecting and electronic money settlement for performing settlement processing with the selected electronic money It is characterized in that it comprises a stage, a.

  In addition, an electronic money additional service information providing system according to the present invention includes an electronic money information storage medium storing electronic money information of each of a plurality of types of electronic money, and an additional service information providing apparatus for providing electronic money additional service information. And the additional service information providing device stores service information storage means for storing and storing additional service information corresponding to each of a plurality of types of electronic money, and stores the electronic money information of each of the plurality of types of electronic money. Electronic money information reading means for reading each electronic money information from an electronic money information storage medium, and additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means, Service acquired from the means and provided to the user of the electronic money information storage medium It is characterized by comprising a multi-address providing means, a.

  The electronic money settlement system of the present invention includes an electronic money information storage medium storing electronic money information of each of a plurality of types of electronic money, and an electronic money settlement terminal device that performs settlement with electronic money, The electronic money settlement terminal device includes service information storage means for storing and holding additional service information corresponding to each of a plurality of types of electronic money, and an electronic money information storage medium storing the electronic money information of each of the plurality of types of electronic money. Each of the electronic money information reading means for reading each electronic money information, and each additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means is obtained from the service information storage means and Service information providing means provided to a user of the electronic money information storage medium, and the electronic money information storage A selection operation unit that allows a user to select which of the electronic moneys in which electronic money information is stored in the medium is used for payment; and an electronic money payment unit that performs a payment process using the selected electronic money. It is characterized by.

  The electronic money additional service information providing method according to the present invention includes a first step of reading each electronic money information from an electronic money information storage medium storing each electronic money information of a plurality of types of electronic money, Each of the additional service information corresponding to the electronic money from which the electronic money information has been read in the process of 1 is acquired from a service information storage means that stores and holds the additional service information corresponding to each of a plurality of types of electronic money. And a second step of providing to a user of the money information storage medium.

  In addition, the program of the present invention stores each of the additional service information corresponding to each electronic money information read from the electronic money information storage medium storing the electronic money information of each of the plurality of types of electronic money. A first process for acquiring from the service information storage means storing and holding additional service information corresponding to each of the first service information, and a second process for providing the additional service information acquired by the first process to a user of the electronic money information storage medium. It is characterized by causing the computer to execute the second processing.

  According to the present invention, the electronic money information is read from the user's electronic money information storage medium, the additional service information corresponding to the electronic money of the read electronic money information is acquired from the service information storage means, and the acquired additional service information is stored. Since it is provided to the user of the electronic money information storage medium, the user can easily compare and examine the additional service suitable for his / her usage form by referring to the provided additional service information, and use it for settlement. The most suitable electronic money can be selected. Moreover, even a user who does not have an information source can easily select an additional service that is most suitable for the user.

  Embodiments according to the present invention will be described below with reference to the drawings.

[First Embodiment]
FIG. 1 is a block diagram showing a configuration of an electronic money settlement system 100 according to the first embodiment.

  As shown in FIG. 1, an electronic money settlement system 100 according to the first embodiment includes an electronic money settlement terminal device 1 according to the first embodiment and a contactless IC that stores and holds a plurality of types of electronic money information. A mobile phone 2 having a chip (electronic money information storage medium) 4 and a server device 3 that transmits additional service information to the electronic money settlement terminal device 1 are configured.

  FIG. 2 is a block diagram showing a configuration of the non-contact type IC chip 4 of the mobile phone 2.

  As shown in FIG. 2, the non-contact type IC chip 4 includes an electronic money information storage unit 5.

  The electronic money information storage unit 5 stores electronic money information corresponding to a plurality of types of electronic money used by the user of the mobile phone 2.

  In the case of the present embodiment, specifically, the user of the mobile phone 2 is assumed to be, for example, users of electronic money of company A, company B, and company C that respectively operate an electronic money business. For this reason, the electronic money information storage unit 5 of the non-contact type IC chip 4 is, as shown in FIG. 2, for example, A company electronic money information 6 which is information about electronic money of each of company A, company B and company C. B company electronic money information 7 and C company electronic money information 8 are stored.

  Each electronic money information includes, for example, identification information for identifying the corresponding electronic money, balance information indicating the balance held by the user for the corresponding electronic money, and the user obtains the corresponding electronic money. And additional service information indicating the added service.

  That is, the A company electronic money information 6 includes A company electronic money identification information 9 indicating the electronic money of the company A, A company electronic money balance information 10 indicating the balance held by the user for the electronic money of the company A, And A company acquisition additional service information 11 which shows the additional service which the user acquired about the electronic money of A company is included. Furthermore, the A company acquisition additional service information 11 includes A company electronic money point balance information 11A indicating the balance of points acquired by the user regarding the electronic money of the company A, and other additions acquired by the user regarding the electronic money of the company A. A company and other acquired additional service information 11B indicating services (for example, present application rights) are included.

  Similarly, the B company electronic money information 7 includes B company electronic money identification information 12, B company electronic money balance information 13, and B company acquisition additional service information 14, and the B company acquisition additional service information 14 includes , Company B electronic money point balance information 14A and Company B other additional service information 14B are included.

  Similarly, the C company electronic money information 8 includes C company electronic money identification information 15, C company electronic money balance information 16, and C company electronic money point balance information 17. Includes company C electronic money point balance information 17A and company C other additional service information 17B.

  In the payment at the time of product purchase, the user has point balance information (Company A electronic money point balance information 11A, Company B electronic money point balance information 14A, Company C electronic money point balance information) corresponding to the electronic money used for payment. The point balance indicated by any one of 17A) can be paid instead of electronic money.

  Furthermore, the electronic money information storage unit 5 stores and holds acquired coupon information 18 that is information indicating a coupon acquired by the user. By using the acquired coupon, the user can receive a discount service for each manufacturer of the purchased product or each sales source of the purchased product. FIG. 2 shows a state in which the acquired coupon information 18 includes, for example, D company product coupon information 18A that can be used when purchasing a product of D company.

  The non-contact type IC chip 4 includes various configurations of a general non-contact type IC chip other than the electronic money information storage unit 5, but is not directly related to the present embodiment. Is omitted.

  In addition to the non-contact type IC chip 4, the mobile phone 2 includes various components that a general mobile phone has, but the description thereof is omitted because it is not directly related to the present embodiment. To do.

  FIG. 3 is a block diagram showing a configuration of the electronic money settlement terminal device 1.

  As shown in FIG. 3, the electronic money settlement terminal device 1 includes a control unit 20, a product type input device (product type input unit) 21, a reading unit (electronic money information reading unit) 22, a storage unit 23, A touch panel display unit (selection operation unit) 24, an electronic money settlement processing unit (electronic money settlement unit) 25, and a server communication unit (new arrival information reception unit) 26 are provided.

  Among these, the product type input device 21 is a device for inputting the type of product to be purchased by the mobile phone 2. For example, a bar code reader for reading a bar code attached to the product or an input operation for the product type. It is configured with receiving operation keys and the like.

  The product type is input to the product type input device 6 by reading a bar code indicating the product type with a bar code reader or inputting the product type with an operation key.

  When the product type is input, the product type input device 6 outputs product type information indicating the product type to the control unit 20.

  The reading unit 22 is composed of, for example, a non-contact type IC reader. The reading unit 22 is stored in the electronic money information storage unit 5 by performing short-range wireless communication with the non-contact type IC chip 4 of the mobile phone 2 when the mobile phone 2 approaches the reading unit 22. Read information. Note that the information read by the reading unit 22 from the non-contact type IC chip 4 includes the electronic money information 6, 7, 8 and the acquired coupon information 18.

  When the reading unit 22 reads the information, the reading unit 22 outputs the information to the control unit 20.

  The storage unit 23 stores a product price storage area 30 for storing product price information indicating the price of each product that can be settled (paid for) at the electronic money settlement terminal device 1 and stores various types of additional service information. Service information storage area (service information storage means) 31.

  The service information storage area 31 includes a company A additional service information storage area 32 that stores and holds company A additional service information indicating an additional service corresponding to the company A electronic money, and an additional service corresponding to the company B electronic money. B additional service information storage area 33 for storing and holding B company additional service information indicating C, and C additional service information storage area 34 for storing and holding C company additional service information indicating additional services corresponding to the electronic money of company C Product manufacturer D company additional service information storage area 35 for storing and storing product manufacturer D company additional service information indicating an additional service corresponding to the product of company D, which is the product manufacturer, and products of company E, the product manufacturer Product manufacturer E company additional service information storage area 36 for storing and holding product manufacturer E company additional service information indicating the additional service to be performed; Has a store F supplementary service information storage area 37 shows an additional service corresponding to the store F is a store where the child money settlement terminal device 1 is installed, the.

  The touch panel display unit 24 displays various types of electronic money that can be used for payment, product price information (added) read from the storage unit 23, and additional service information. An operation key for causing the user to perform a selection operation related to payment such as which one of the electronic money is used for payment is displayed. The touch panel display unit 24 performs a display operation under the control of the control unit 20.

  The electronic money settlement processing unit 25 can perform settlement of each of a plurality of types (for example, three types) of electronic money under the control of the control unit 20. That is, the electronic money settlement processing unit 25 is, for example, a company A electronic money settlement processing unit 38 that performs settlement processing with company A electronic money, and a company B electronic money settlement process that performs settlement processing with company B electronic money. Unit 39 and a C company electronic money settlement processing unit 40 that performs settlement processing with electronic money of company C.

  Each settlement processing unit 38, 39, 40 is composed of, for example, a non-contact type IC writer. One non-contact type IC writer may serve as the function of each settlement processing unit 38, 39, 40, or one non-contact type IC writer is provided for each settlement processing unit 38, 39, 40. You may do it.

  Each payment processing unit 38, 39, 40 writes information in the electronic money information storage unit 5 of the non-contact type IC chip 4 of the mobile phone 2 by performing payment processing.

  That is, the information written by each settlement processing unit 38, 39, 40 to the non-contact IC chip 4 includes each electronic money balance information 10, 13, 16 after settlement, and each electronic money point balance information 11A after settlement. , 14A, 17A, other acquired additional service information 11B, 14B, 17B acquired by settlement, and acquired coupon information 18 acquired by settlement.

  The server communication unit 26 receives additional service information transmitted from the server device 3 and notifies the server device 3 of a transmission request for additional service information.

  The control unit 20 includes a CPU (Central Processing Unit) 27 that performs various control operations, a ROM (Read Only Memory) 28 that stores a program for operating the CPU 27, and a RAM that functions as a work area for the CPU 27 ( Random Access Memory) 29.

  FIG. 4 is a block diagram showing the configuration of the server device 3.

  As illustrated in FIG. 4, the server device 3 includes, for example, a control unit 41, a communication unit 45, a storage unit 46, and an operation unit 47.

  The control unit 41 includes a CPU 42 that performs various control operations, a ROM 43 that stores a program for operating the CPU 42, and a RAM 44 that functions as a work area for the CPU 42.

  Next, the operation will be described.

  First, operations for writing additional service information in the service information storage area 31 of the electronic money settlement terminal device 1 and updating the additional service information will be described.

  In the server device 3 (FIG. 4), for example, when the operator performs an input operation on the operation unit 47, the control unit 41 stores new additional service information (hereinafter, new arrival information) in the storage unit 46.

  The control unit 41 reads the new arrival information stored in the storage unit 46 and causes the communication unit 45 to transmit the read new arrival information to the electronic money settlement terminal device 1.

  Note that the process in which the control unit 41 reads new arrival information from the storage unit 46 and transmits the new arrival information to the electronic money settlement terminal device 1 may be performed as soon as new arrival information is stored, or periodically (for example, every day). ).

  In the electronic money settlement terminal device 1 (FIG. 3), the server communication unit 26 receives the new arrival information transmitted from the server device 3, and the received new arrival information is output to the control unit 20, and the control unit 20 receives the input. The newly arrived information is stored in the service information storage area 31 of the storage unit 23.

  Here, the new arrival information is any of the A company additional service information, the B company additional service information, the C company additional service information, the product manufacturer D company additional service information, and the product manufacturer E company additional service information. Identification information indicating whether or not there is included.

  In accordance with the identification information, the control unit 20 stores the new arrival information in the A company additional service information storage area 32, the B company additional service information storage area 33, the C company additional service information storage area 34, and the product manufacturer D company additional service information storage area 35. The product manufacturer E company additional service information storage area 36 is sorted and written in any corresponding area. Here, the control unit 20 functions as a service information update unit.

  As a result of performing the process of writing the new arrival information of the additional service information in the service information storage area 31 as needed or periodically, various additional service information is accumulated in the service information storage area 31.

  In addition, by writing new arrival information in this way, the storage contents of the service information storage area 31 are updated as needed or periodically.

  Note that when the operator on the store F side performs a predetermined operation on the touch panel display 24, the control unit 20 outputs a command to the server communication unit 26, and the server device 3 sends the command to the server device 3. Notify the additional service information transmission request. Upon receiving this notification, the server device 3 transmits, for example, all the additional service information stored in the storage unit 46 to the electronic money settlement terminal device 1. When the additional service information is transmitted in this way, in the electronic money settlement terminal device 1, the additional service information is received by the server communication unit 26, and the received additional service information is output to the control unit 20 for control. The unit 20 stores the input additional service information in the service information storage area 31 of the storage unit 23.

  The additional service information in the store F additional service information storage area 37 is, for example, as a result of the operator of the store F in which the electronic money payment terminal 1 is installed performing a predetermined input operation on the touch panel display 24 as a result of the control unit 20. Writes or updates.

  In this way, various additional service information is accumulated in the service information storage area 31 of the storage unit 23 of the electronic money settlement terminal device 1.

  Next, when the user of the mobile phone 2 purchases a certain product, an operation when making a payment with electronic money will be described.

  FIG. 5 is a flowchart showing a flow of operations periodically executed by the CPU 27 of the control unit 20 of the electronic money settlement terminal device 1.

  As shown in FIG. 5, first, the CPU 27 determines whether or not the type of product to be purchased by the user has been input to the product type input device 21 (step S1).

  The product type input operation for the product type input device 21 is performed by, for example, a store clerk of the store F in which the electronic money settlement terminal device 1 is installed.

  Here, it is assumed that the user purchases a product of company D.

  If the product type is not input (No in step S1), the process in FIG. 5 is terminated.

  When the product type is input (Yes in step S1), the CPU 27 determines whether or not the reading unit 22 has read the electronic money information from the non-contact type IC chip 4 of the user's mobile phone 2. (Step S2).

  The reading unit 22 reads electronic money information from the non-contact type IC chip 4 when the user brings the mobile phone 2 close to the reading unit 22, for example.

  The determination in step S2 is repeated until the reading unit 22 reads the electronic money information.

  When the reading unit 22 reads the electronic money information (Yes in step S2), the CPU 27 subsequently acquires the product price information corresponding to the product type input in the previous step S1 from the product price storage area 30 ( Step S3).

  Then, CPU27 acquires all the additional service information relevant to this payment from the memory | storage part 23 (step S4).

  Here, the additional service information related to the current settlement includes additional service information corresponding to all the electronic money information confirmed to be read in the previous step S2, and the purchased product confirmed to be input in the previous step S1. And additional service information of the store F in which the electronic money settlement terminal device 1 is installed.

  Therefore, the CPU 27 acquires all these additional service information from the storage unit 23.

  Specifically, in the case of the present embodiment, the non-contact IC chip 4 of the mobile phone 2 stores electronic money information of each electronic money of company A, company B and company C.

  Therefore, in step S4, all the additional service information stored in the A company additional service information storage area 32, the B company additional service information storage area 33, and the C company additional service information storage area 34 is acquired.

  Further, as described above, here, since the user purchases the product of the product manufacturer D, in step S4, additional service information stored in the product manufacturer D additional service information storage area 35 is also acquired. To do.

  Furthermore, in step S4, additional service information stored in the store F additional service information storage area 37 is also acquired.

  Next, the CPU 27 generates image data to be displayed on the touch panel type display unit 24 using each additional service information acquired in the previous step S4, and outputs the image data to the touch panel type display unit 24 to display the image data. Is displayed (step S5). Here, the control unit 20 functions as service information providing means.

  FIG. 6 is a diagram illustrating an example of an image displayed on the display screen 24 </ b> A of the touch panel display unit 24.

  As shown in FIG. 6, the display screen 24A of the touch panel type display unit 24 includes, for example, price information 51, operation procedure information 52, A company electronic money selection key 53, B company electronic money selection key 54, and C company electronic money selection. A key 55, a point use key 56, a point non-use key 57, a coupon use key 58, and a coupon non-use key 59 are displayed.

  Among these, the price information 51 is information indicating the price of the product purchased by the user, and reflects the information acquired from the product price storage area 30 of the storage unit 23 in the previous step S3.

  The operation procedure information 52 is information indicating an operation procedure for the touch panel display unit 24 to the user.

  For example, as shown in FIG. 6, as the operation procedure information 52, “1. Select electronic money to be settled from below. 2. Select whether to use points. 3. Select whether to use coupons. . ”Is displayed, the user can recognize that the operation should be performed according to these steps 1 to 3.

  The electronic money selection keys 53, 54, and 55 allow a user to select any one of a plurality of types of electronic money as electronic money used for settlement by a touch operation (press operation). Of these, by pressing the A company electronic money selection key 53, the payment by the A company electronic money can be selected, and by pressing the B company electronic money selection key 54, the payment by the B company electronic money can be selected. By pressing the electronic money selection key 55, payment by company C electronic money can be selected.

  In addition, the point use key 56 and the point nonuse key 57 allow the user to select whether or not to use the point at the time of settlement by a touch operation.

  Further, the coupon use key 58 and the coupon non-use key 59 allow the user to select whether or not to use a coupon at the time of settlement by a touch operation.

  In addition, the display screen 24A includes additional service information 61 corresponding to Company A electronic money, additional service information 62 corresponding to Company B electronic money, additional service information 63 corresponding to Company C electronic money, and a product manufacturer. The additional service information 64 corresponding to the product of company D and the additional service information 65 corresponding to the store F are displayed. The display of each additional service information reflects the information acquired from the storage unit 23 in the previous step S4.

  For example, the user can compare and examine additional services for each of a plurality of types of electronic money by confirming the display on the display screen 24A as shown in FIG.

  First, paying attention to the point return rate indicated in the additional service information 61, 62, 63 corresponding to each electronic money, the A company electronic money is 1.0%, the B company electronic money is 0.7%, and the C company electronic money. Is 0.7%.

  However, looking at the additional service information 65 corresponding to the store F, “In this store, when using Company C electronic money, the point return rate is increased by 0.3%. (0.7 + 0.3 = 1. 0%) ”, it can be seen that if the company C uses electronic money at the store F, the point return rate is 0.3% more than usual and becomes 1.0%.

  Therefore, the point reduction rate is 1.0% for Company A's electronic money, 0.7% for Company B's electronic money, and 1.0% for Company C's electronic money. It can be seen that Company C electronic money is advantageous.

  Next, looking at the additional service information 64 corresponding to the product of product manufacturer D, “If you purchase this product (company D product) with company B electronic money, you will receive a 30 yen discount coupon for the product. ”, It is understood that if the user uses the coupon when purchasing the same product again, it can be purchased with a discount of 30 yen.

  The price of the product is, for example, 500 yen as shown in the price information 51 at the top of the display screen 24. Therefore, the return rate by the coupon is 30/500 = 6%, and the point return rate (0. 7% or 1.0%), it can be seen that the condition is exceptional.

  For this reason, the user may determine whether or not he / she purchases the same product again, and selects electronic money to be used for settlement according to the determination result.

  For example, if the user thinks “buy the same product again”, the user may determine that the electronic money with the highest value of the additional service is Company B electronic money from which a coupon of 30 yen can be obtained. it can.

  On the other hand, if the user thinks that “the same product will not be purchased anymore”, the user changes the electronic money having the highest value of the additional service to Company A electronic money or Company C electronic money, both of which have a point return rate of 1.0%. You can narrow down.

  In this case, the user further sees the point expiration dates indicated in the additional service information 61 and 63 corresponding to the A company electronic money and the C company electronic money, respectively, so that the expiration date of the points of the A company electronic money is 6 months. Therefore, it can be recognized that the expiration date of the points of the company C electronic money is 12 months. Therefore, it can be determined that the value of the additional service is higher for the C company electronic money having a longer point valid period than the A company electronic money.

  In addition, it is conceivable to make a judgment based on other judgment materials in addition to the judgment based on the additional service obtained by shopping this time. For example, if the user is aiming to accumulate points for Company A electronic money, the value of the additional service obtained by this shopping may be low, but Company A electronic money may be selected.

  In this way, the user can easily compare and examine which electronic money is optimally used for settlement based on the display content of the display screen 24A, his / her purchase schedule, and the like.

  Then, any electronic money is selected for settlement, and an electronic money selection key (any one of the electronic money selection keys 53, 54, 55) corresponding to the selected electronic money is selected (pressing operation). it can.

  Following step S5, the CPU 27 determines whether or not a selection operation has been performed on any of the electronic money selection keys 53, 54, and 55 (step S6).

  The determination in step S6 is repeated until a selection operation is performed on any of the electronic money selection keys 53, 54, and 55.

  When a selection operation is performed on any of the electronic money selection keys 53, 54, and 55 (Yes in step S6), the CPU 27 subsequently determines whether or not the point use key 56 or the point nonuse key 57 is operated. Is determined (step S7).

  The determination in step S <b> 7 is repeated until it is selected that the point is used by the pressing operation of the point use key 56, or not to use the point by the pressing operation of the point nonuse key 57.

  When the point use key 56 or the point nonuse key 57 is operated (Yes in Step S7), the CPU 27 subsequently determines whether or not the coupon use key 58 or the coupon nonuse key 59 is operated (Step S8). ).

  The determination in step S <b> 8 is repeated until it is selected that the coupon is used by the pressing operation of the coupon use key 58 or not to be used by the pressing operation of the coupon non-use key 59.

  When the coupon use key 58 or the coupon non-use key 59 is operated (Yes in step S8), the CPU 27 subsequently sends an instruction to the electronic money settlement processing unit 25 and confirms the selection in the previous step S6. Make a payment with money (step S9).

  That is, in step S9, the payment processing unit corresponding to the electronic money selected for payment among the payment processing units 38, 39, and 40 receives the corresponding electronic money information (electronic money information 6) of the non-contact type IC chip 4. , 7, or 8), the contents of the acquired coupon information 18 are written as necessary, or the coupon information of the used coupon is deleted from the acquired coupon information 18.

  That is, for example, when the C company electronic money is selected for settlement, the C company electronic money settlement processing unit 40 writes the C company electronic money balance information 16 after settlement and the C company electronic money point balance after settlement. The writing of the information 17A, the writing of the company C and other acquired supplementary service information 17B as required, and the writing of the contents of the acquired coupon information 18 as required are performed.

  In step S9, it is necessary that the electronic money settlement processing unit 25 and the non-contact type IC chip 4 are close to a distance where short-range wireless communication is possible.

  According to the first embodiment as described above, the electronic money settlement terminal device 1 reads electronic money information from the non-contact type IC chip 4 of the user's mobile phone 2 and corresponds to the electronic money of the read electronic money information. Since the additional service information to be obtained is acquired from the service information storage area 31 and the acquired additional service information is displayed on the touch panel type display unit 24, it is provided to the user of the mobile phone 2. Therefore, the user provides the provided additional service information. By referring to the above, it is possible to easily compare and examine additional services suitable for each usage form, and it is possible to select the most suitable electronic money used for settlement.

  Further, since the user can confirm the additional service information at the place of settlement, it is not necessary to collect additional service information for each electronic money, each product, and each store in advance. In addition, electronic money companies, product manufacturers, and store managers can provide timely service information to each user, further improving convenience.

[Second Embodiment]
In the second embodiment, the control unit 20 of the electronic money settlement terminal device 1 evaluates the value of each electronic money additional service, generates evaluation information indicating the evaluation, and displays the evaluation information on the touch panel display unit 24. An example of display on the display screen 24A will be described.

  Also in the case of the second embodiment, the configuration of the electronic money payment system 100 (FIG. 1) and the configuration of the mobile phone 2 (FIGS. 1 and 2) are the same as those of the first embodiment.

  FIG. 7 is a flowchart showing a flow of operations periodically executed by the CPU 27 of the control unit 20 of the electronic money settlement terminal device 1 in the case of the second embodiment.

  The flow shown in FIG. 7 is different from the flow shown in FIG. 5 only in that steps S11 and S12 are provided instead of step S5.

  FIG. 8 is a diagram illustrating an example of an image displayed on the display screen 24 </ b> A of the touch panel display unit 24 in the case of the second embodiment.

  The image on the display screen 24 </ b> A shown in FIG. 8 is different from the image in the upper first embodiment (FIG. 6) only in that it has the evaluation information 71.

  The operation in the case of this embodiment will be described below.

  First, in FIG. 7, the operations from step S <b> 1 to S <b> 4 are the same as those in the first embodiment (FIG. 5), and thus the description thereof is omitted.

  In step S11 following step S4, the CPU 27 of the control unit 20 evaluates each electronic money based on the additional service information acquired in the previous step S4 and the product price information acquired in the previous step S3. Generate information. Here, the control unit 20 functions as an evaluation information generating unit.

  That is, if the additional service information and the product price information are the same as those in the first embodiment, when the user purchases the same product from the next time onward, the B company electronic money, the C company electronic money, A In the order of company electronic money, the value of the corresponding additional services is high. However, if the user does not purchase the same product in the future, the value of additional services corresponding to the company C electronic money, the company A electronic money, and the company B electronic money will be higher.

  Therefore, in step S11, the CPU 27, for example, “If you plan to purchase the same product from the next time, it is profitable in the order of Company B electronic money, Company C electronic money, Company A electronic money. In other cases, Evaluation information such as “Company C electronic money, Company A electronic money, and Company B electronic money is obtained in this order” is generated. In the subsequent step S12, an image including the generated evaluation information (evaluation information 71 in FIG. 8) is displayed. It is displayed on the display screen 24A of the touch panel display 24.

  By confirming the evaluation information 71 displayed on the display screen 24A shown in FIG. 8, the user can recognize the value of the additional service corresponding to each electronic money more easily than the first embodiment. .

  According to the second embodiment as described above, the control unit 20 of the electronic money settlement terminal device 1 evaluates the value of the additional service of each electronic money, generates evaluation information indicating the evaluation, and the evaluation information Is displayed on the display screen 24A of the touch panel display 24 (as evaluation information 71), the user can easily select electronic money with reference to the evaluation information.

[Third Embodiment]
In the second embodiment, the example in which the CPU 27 generates the evaluation information (in step S11 in FIG. 7) every time the user makes a payment has been described. However, when shoppers are crowded or when users do not have enough time, payment is required for speed, and waiting time associated with generation of evaluation information may be inconvenient. .

  Therefore, in the third embodiment, an example will be described in which evaluation information can be provided to the user more quickly than in the second embodiment.

  Also in the case of the third embodiment, the configuration of the electronic money payment system 100 (FIG. 1) and the configuration of the mobile phone 2 (FIGS. 1 and 2) are the same as those of the first embodiment.

  FIG. 9 is a block diagram showing the configuration of the electronic money settlement terminal device 1 in the case of the third embodiment.

  As shown in FIG. 9, the electronic money settlement terminal device 1 in the case of the present embodiment is the same as that in the case of the second embodiment described above only in that the storage unit 23 has a set information storage area 81. Different from the electronic money settlement terminal device 1.

  This set information storage area 81 is set information including corresponding product price information, types of electronic money, all corresponding additional service information, and corresponding evaluation information for each combination of electronic money and purchased products. Remember.

  That is, for example, if the purchased product is a product of Company D and the combination of electronic money available to the user is Company A electronic money, Company B electronic money, and Company C electronic money, the group information is This information includes all the information acquired in steps S3 to S4 (FIG. 7) of the second embodiment and the evaluation information generated in step S11.

  The CPU 27 generates new set information and adds it to the set information storage area 81 each time the combination of the read electronic money and the purchased product becomes a new combination.

  In the case of this embodiment, the CPU 27 of the control unit 20 has set information corresponding to the combination of electronic money information read by the reading unit 22 from the non-contact type IC chip 4 and the product type input to the product type input device 1. If already stored in the set information storage area 81, the set information is acquired from the set information storage area 81 and displayed on the touch panel display unit 24.

  Next, the operation in this embodiment will be described.

  FIG. 10 is a flowchart showing a flow of operations periodically executed by the CPU 27 of the control unit 20 of the electronic money settlement terminal device 1 in the case of the third embodiment.

  In FIG. 10, the operations from step S1 to S2 are the same as those in the first and second embodiments, and thus the description thereof is omitted.

  After the determination in step S2 is Yes, the CPU 27 confirms whether or not pair information corresponding to the combination of the read electronic money and the input product type is stored in the pair information storage area 81 (step S21).

  If the corresponding set information is not stored (No in step S22), the same processing in steps S3, S4, S11, and S12 as in the second embodiment is performed in this order, and then in this step S12. The set information including each information used for display is added to the set information storage area 81 of the storage unit 23 (step S25).

  That is, in step S25, it corresponds to the product price information acquired in step S3, each additional service information acquired in step S4, the evaluation information generated in step S11, and the electronic money information read in step S2. Set information including the information indicating the type of each electronic money to be added to the set information storage area 81.

  On the other hand, if the corresponding set information is already stored in the set information storage area 81 (Yes in step S22), the CPU 27 acquires the corresponding set information from the set information storage area 81 (step S23). Using the group information, the product price, the evaluation information, the type of electronic money that can be settled, and the additional service information are displayed on the display screen 24A of the touch panel display unit 24 (step S24). That is, in step S24, for example, a display screen 24A as shown in FIG. 8 is displayed.

  Subsequent to step S25 or step S24, the processing after step S6 is performed as in the first and second embodiments.

  According to the third embodiment as described above, the storage unit 23 of the electronic money settlement terminal device 1 includes all corresponding additional service information, corresponding evaluation information, for each combination of electronic money and purchased products, The CPU 27 of the control unit 20 stores group information corresponding to a combination of electronic money information read from the non-contact type IC chip 4 by the reading unit 22. Since it is acquired from the storage area 81 and displayed on the touch panel display 24, the time required for displaying the display screen 24A (FIG. 8) similar to that of the second embodiment can be shortened.

  In each of the above-described embodiments, the electronic money settlement terminal device 1 and the electronic money settlement system 100 have been described. Of the above-described configurations of the electronic money settlement terminal device 1, the configuration except for the electronic money settlement processing unit 25 is used. An electronic money additional service information providing apparatus can be configured. Further, by providing such an electronic money additional service information providing device instead of the electronic money settlement terminal device 1 in the electronic money settlement system 100, an electronic money additional service information providing system can be configured. In these cases, the electronic money additional service information providing apparatus may include a display unit having only a display function instead of the touch panel display unit 24.

  Further, in each of the above embodiments, the example in which the mobile phone 2 includes the non-contact type IC chip 4 has been described. However, the mobile terminal device other than the mobile phone includes the non-contact type IC chip 4 and the mobile terminal device is used. You may make it settle. Alternatively, settlement may be performed using an IC card including the non-contact type IC chip 4.

  In each of the above-described embodiments, the example in which the user's electronic money information storage medium is the non-contact type IC chip 4 has been described. However, the electronic money information is stored in another memory to perform infrared communication or Bluetooth (registered trademark). It is also possible to cause the reading unit 22 to read it or write it by the settlement processing units 38 to 40 using short-range wireless communication or the like.

  Further, in each of the embodiments described above, the example in which the additional service information is provided to the user by displaying the additional service information on the display device (for example, the touch panel display unit 24) has been described. Additional service information may be provided.

  In each of the above-described embodiments, the electronic money settlement terminal device 1 includes the touch panel display unit 24. However, the electronic money settlement terminal device 1 includes a display device that displays additional service information and the like, and a user May be separately provided with an operation unit for performing a selection operation.

  Further, in the second and third embodiments, the example in which the value of the additional service corresponding to each electronic money is evaluated in the ranking format has been described. However, the present invention is not limited to this example. You may make it provide.

  Further, in the third embodiment, the example in which the combination information is generated for each combination of electronic money and purchased product has been described. However, the combination information for each combination of electronic money is provided under the condition that there is no additional service corresponding to the purchased product. Should be generated.

It is a block diagram which shows the structure of an electronic money payment system. It is a block diagram which shows the structure of the non-contact-type IC chip of a mobile telephone. It is a block diagram which shows the structure of the electronic money payment terminal device in the case of 1st Embodiment. It is a block diagram which shows the structure of a server apparatus. It is a flowchart which shows the flow of operation | movement of the electronic money payment terminal device in the case of 1st Embodiment. It is a figure which shows an example of the image displayed on a touchscreen display part in the case of 1st Embodiment. It is a flowchart which shows the flow of operation | movement of the electronic money payment terminal device in the case of 2nd Embodiment. It is a figure which shows an example of the image displayed on a touchscreen display part in the case of 2nd Embodiment. It is a block diagram which shows the structure of the electronic money payment terminal device in the case of 3rd Embodiment. It is a flowchart which shows the flow of operation | movement of the electronic money payment terminal device in the case of 3rd Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Electronic money payment terminal device 2 Mobile phone 3 Server device 4 Non-contact type IC chip (electronic money information storage medium)
20 control unit (service information providing means, service information updating means, evaluation information generating means)
21 Product type input device (product type input means)
22 Reading unit (electronic money information reading means)
24 Touch panel display unit (display device, selection operation means, touch panel display device)
25 Electronic money payment processing unit (electronic money payment means)
26 Communication part for server (New information receiving means)
31 Service information storage area (service information storage means)
81 set information storage area (set information storage means)
100 Electronic money payment system

Claims (25)

Service information storage means for storing and holding additional service information corresponding to each of a plurality of types of electronic money;
Electronic money information reading means for reading each electronic money information from an electronic money information storage medium storing each electronic money information of a plurality of types of electronic money;
Service information providing means for obtaining each additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means from the service information storage means and providing it to the user of the electronic money information storage medium When,
An additional service information providing apparatus for electronic money, comprising: It further comprises a product type input means for accepting input of the type of purchased product,
The service information storage means further stores and holds additional service information for each purchased product, each manufacturer of the purchased product, or each sales source of the purchased product,
2. The service information providing unit according to claim 1, wherein the service information providing unit further acquires and provides additional service information corresponding to the purchased product of the type input to the product type input unit from the service information storage unit. The electronic money additional service information providing apparatus described. The service information storage means further stores and holds additional service information for each store where the electronic money settlement terminal device is installed,
The apparatus for providing additional service information of electronic money according to claim 1, wherein the service information providing unit further acquires and provides additional service information for each store from the service information storage unit. . New arrival information receiving means for receiving new arrival information of the additional service information;
Service information update means for updating additional service information stored in the service information storage means with new arrival information received by the new arrival information reception means;
The additional service information providing device for electronic money according to any one of claims 1 to 3, further comprising: The electronic money information reading means further comprises evaluation information generating means for evaluating the value of the additional service of the electronic money read by the electronic money information, and generating evaluation information indicating the evaluation,
5. The electronic device according to claim 1, wherein the service information providing unit further provides evaluation information of electronic money obtained by reading the electronic money information by the electronic money information reading unit. Money additional service information providing device. For each combination of electronic money, it comprises a set information storage means for storing set information including all corresponding additional service information and corresponding evaluation information,
The service information providing means obtains and provides set information corresponding to a combination of electronic money information read from the electronic money information storage medium by the electronic money information reading means from the set information storage means. The electronic money additional service information providing apparatus according to claim 5. A display device,
7. The electronic money additional service information providing apparatus according to claim 1, wherein the service information providing unit provides the additional service information by causing the display apparatus to display the additional service information. The electronic money information storage medium comprises a contactless IC chip,
The electronic money additional service information providing apparatus according to any one of claims 1 to 7, wherein the electronic money information reading means comprises a non-contact type IC reader.   The electronic money addition according to any one of claims 1 to 8, wherein the additional service information includes at least one of information on a point service and information on a coupon. Service information providing device. Service information storage means for storing and holding additional service information corresponding to each of a plurality of types of electronic money;
Electronic money information reading means for reading each electronic money information from an electronic money information storage medium storing each electronic money information of a plurality of types of electronic money;
Service information providing means for obtaining each additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means from the service information storage means and providing it to the user of the electronic money information storage medium When,
A selection operation means for causing the user to select which of the electronic money stored in the electronic money information storage medium is used for settlement;
Electronic money settlement means for performing settlement processing with the selected electronic money;
An electronic money settlement terminal device comprising: It further comprises a product type input means for accepting input of the type of purchased product,
The service information storage means further stores and holds additional service information for each purchased product, each manufacturer of the purchased product, or each sales source of the purchased product,
11. The service information providing unit further reads and provides additional service information corresponding to a purchased product of a type input to the product type input unit from the service information storage unit. Electronic money settlement terminal device. The service information storage means further stores and holds additional service information for each store where the electronic money settlement terminal device is installed,
12. The electronic money settlement terminal device according to claim 10, wherein the service information providing unit further reads and provides the additional service information for each store from the service information storage unit. New arrival information receiving means for receiving new arrival information of the additional service information;
Service information update means for updating additional service information stored in the service information storage means with new arrival information received by the new arrival information reception means;
The electronic money settlement terminal device according to any one of claims 10 to 12, further comprising: The electronic money information reading means further comprises evaluation information generating means for evaluating the value of the additional service of the electronic money read by the electronic money information, and generating evaluation information indicating the evaluation,
The electronic information according to any one of claims 10 to 13, wherein the service information providing means further provides evaluation information of electronic money that has been read by the electronic money information reading means. Money settlement terminal device. For each combination of electronic money, it comprises a set information storage means for storing set information including all corresponding additional service information and corresponding evaluation information,
The service information providing means obtains and provides set information corresponding to a combination of electronic money information read from the electronic money information storage medium by the electronic money information reading means from the set information storage means. The electronic money settlement terminal device according to claim 14. It has a touch panel display device,
The service information providing means provides the additional service information by causing the touch panel display device to display the additional service information,
16. The electronic money settlement terminal device according to claim 10, wherein the touch panel display device also functions as the selection operation unit. An electronic money information storage medium storing electronic money information of each of a plurality of types of electronic money;
An additional service information providing device for providing additional service information of electronic money;
With
The additional service information providing device includes:
Service information storage means for storing and holding additional service information corresponding to each of a plurality of types of electronic money;
Electronic money information reading means for reading each electronic money information from an electronic money information storage medium storing each electronic money information of a plurality of types of electronic money;
Service information providing means for obtaining each additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means from the service information storage means and providing it to the user of the electronic money information storage medium When,
An additional service information providing system for electronic money, comprising: A server device for transmitting new arrival information of the additional service information to the electronic money settlement terminal device;
The additional service information providing device includes:
New arrival information receiving means for receiving new arrival information of the additional service information;
Service information update means for updating additional service information stored in the service information storage means with new arrival information received by the new arrival information reception means;
The additional service information providing system for electronic money according to claim 17, further comprising: The additional service information providing device further includes evaluation information generating means for evaluating the value of the additional service of the electronic money whose electronic money information is read by the electronic money information reading means, and generating evaluation information indicating the evaluation,
19. The electronic money additional service information according to claim 17 or 18, wherein the service information providing means further provides evaluation information of electronic money obtained by reading the electronic money information by the electronic money information reading means. Offer system. An electronic money information storage medium storing electronic money information of each of a plurality of types of electronic money;
An electronic money payment terminal device for making payments with electronic money;
With
The electronic money settlement terminal device
Service information storage means for storing and holding additional service information corresponding to each of a plurality of types of electronic money;
Electronic money information reading means for reading each electronic money information from an electronic money information storage medium storing each electronic money information of a plurality of types of electronic money;
Service information providing means for obtaining each additional service information corresponding to the electronic money whose electronic money information has been read by the electronic money information reading means from the service information storage means and providing it to the user of the electronic money information storage medium When,
A selection operation means for causing the user to select which of the electronic money stored in the electronic money information storage medium is used for settlement;
Electronic money settlement means for performing settlement processing with the selected electronic money;
An electronic money settlement system comprising: The electronic money settlement terminal device further comprises evaluation information generating means for evaluating the value of the additional service of electronic money whose electronic money information has been read by the electronic money information reading means, and generating evaluation information indicating the evaluation,
21. The electronic money settlement system according to claim 20, wherein the service information providing unit further provides evaluation information of electronic money that has been read by the electronic money information reading unit. A first process of reading each electronic money information from an electronic money information storage medium storing each electronic money information of a plurality of types of electronic money;
Each of the additional service information corresponding to the electronic money from which the electronic money information has been read in the first process is acquired from a service information storage unit that stores and holds additional service information corresponding to each of the plurality of types of electronic money. A second step of providing a user of the electronic money information storage medium;
An additional service information providing method for electronic money, comprising: Further comprising a third step of evaluating the value of the additional service of the electronic money read from the electronic money information in the first step and generating evaluation information indicating the evaluation;
23. The method of providing additional service information of electronic money according to claim 22, wherein the second process further provides evaluation information of electronic money obtained by reading the electronic money information in the first process. Each of the additional service information corresponding to each electronic money information read from the electronic money information storage medium storing the electronic money information of each of the plurality of types of electronic money is converted into the additional service information corresponding to each of the plurality of types of electronic money. A first process of acquiring from the service information storage means storing and holding
A second process of providing the additional service information acquired by the first process to a user of the electronic money information storage medium;
A program that causes a computer to execute. Evaluating the value of the additional service of the electronic money read from the electronic money information storage medium and generating evaluation information indicating the evaluation;
25. The program according to claim 24, further causing the computer to execute a process of providing evaluation information of electronic money read from the electronic money information in the second process.

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