JP2009245320A - Settlement management apparatus, settlement management program and settlement management method - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To simplify operations by a user and maintain the effectiveness of advertisement information display when performing surrogate payment by using a mobile phone or the like for a part of or all service charges, such as financial service charges by distribution of advertisement information. <P>SOLUTION: A mobile settlement center 2 is provided with a function 23 of receiving invoice information generated by reading a bar code 71 of an invoice 7, a function 24 of receiving input selection information by enabling a mobile phone 1 to display settlement contents including information on the service charges (S3) and to display for inputting the selection information showing the propriety of transmission of advertisement information (S4), and a function 25 of performing processing for transmitting the advertisement information, allowing the mobile phone 1 to display the settlement contents including information on the service charge occurred when the advertisement information was transmitted (S8), and performing settlement processing (S10 to S16) for service charges accompanying the settlement as an advertiser 3 based on the invoice information. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to a payment management apparatus, a payment management program, and a payment management method that are suitable for use when a payment for public utility charges is made using a mobile terminal device such as a mobile phone.

There is a technique for reading a bar code printed on a bill such as a utility bill using a mobile phone with a camera and making an electronic payment (see, for example, Patent Document 1). By using such a system, the user can complete payment without going to a financial institution or a convenience store.
On the other hand, a mechanism for reducing the burden on the user's fee by displaying an advertisement for the user has been proposed (see Patent Document 2). In the proxy payment system described in Patent Document 2, an operation terminal such as an ATM (automated teller machine) is provided with a screen for financial procedures and an advertising screen for proxy payment / Internet connection screen. ing. When a fee is generated by a financial procedure and the user desires, the provider who distributes the advertisement pays the fee by viewing the advertisement displayed on the user.
JP 2007-323613 A JP 2004-62415 A

  However, in Patent Document 1, when storing a bill such as a utility bill, a storage company generally pays a fee to a storage financial institution. However, there are many cases where such a convenient system does not spread because the fee amount presented by the financial institution does not match the fee amount that can be paid by the storage company. In some companies, a user who enjoys convenience pays the full amount or a part of the fee. However, since it is a burden on the user, the use does not increase.

On the other hand, in the system described in Patent Document 2, an operation for payment processing such as transfer or display of distributed advertisement information is performed using an operator or a display device provided in the ATM. On the other hand, in the mobile terminal device such as a mobile phone, the number and types of operation elements are limited and the display screen is considerably smaller than that. For this reason, it is necessary to devise ways to provide effective advertising information on a small display screen, or display or non-display of advertising information according to the user's intention using a small display screen or limited controls. In some cases, it is necessary to devise a method for easily setting the display. However, a system or method for performing proxy settlement of part or all of a fee such as a transfer fee by distributing advertisement information using a portable terminal device such as a cellular phone has not been sufficiently studied so far.
In addition, the system described in Patent Document 2 requires measures such as “Advertisement display function on channel”, “Function to manage advertisement delivery”, “Drawback control associated with proxy settlement determination”, etc. in a financial institution. It was not a mechanism that could be adopted by financial institutions.

  The present invention has been made in view of the above circumstances, and is used when performing proxy settlement of a part or all of a fee such as a transfer fee by distribution of advertisement information using a mobile terminal device such as a mobile phone. An object is to provide a settlement management apparatus, a settlement management program, and a settlement management method capable of simplifying operations by a user and maintaining the effectiveness of displaying advertising information without modifying a financial institution system. And

  In order to solve the above-mentioned problems, the invention described in claim 1 is connected to a mobile terminal device operated by a user, and constitutes a system for performing settlement based on a bill. A bill information receiving means for receiving bill information generated by reading the received information code from the portable terminal device, and a payment content including information on a fee generated along with the payment based on the received bill information. Selection information receiving means for causing the mobile terminal device to perform display and display for inputting selection information indicating whether or not to transmit the advertisement information, and receiving the input selection information from the mobile terminal device; On the other hand, based on the selected information, if the transmission of the advertising information is permitted, a predetermined process for transmitting the advertising information is performed and information on the fee when the advertising information is transmitted is included. Display the completed contents on the mobile terminal device, and perform processing for settlement based on the invoice information as an advertiser who is responsible for the fee associated with settlement, while the transmission of advertisement information is disabled Includes a management means for performing processing for settlement based on the bill information by adding a fee associated with settlement.

  According to a second aspect of the present invention, when the transmission of advertising information is permitted by the selection information, the management means transits to a site different from the own device and is stored in the other site. The advertisement information is to be browsed by the portable terminal device.

  The invention described in claim 3 is characterized in that, when transitioning to another site, information indicating the rank of the billing amount indicated by the bill information is added to the link information to the transition destination.

  According to a fourth aspect of the present invention, the management means allows the mobile terminal device to browse advertisement information stored in the own device when the transmission of the advertisement information is permitted by the selection information. It is characterized by being.

  According to a fifth aspect of the present invention, an electronic mail is transmitted from the portable terminal device to a predetermined address when the selection information indicating that the advertisement information can be transmitted is input by the portable terminal device. The advertisement information is transmitted by the management means using an e-mail that is transmitted from the mobile terminal device to an e-mail transmitted to a predetermined address. And

  In the invention according to claim 6, an address set in an e-mail transmitted from the portable terminal device to a predetermined address is registered in advance, and the advertisement information is transmitted by the management means. It is performed using an electronic mail transmitted as a destination.

  According to a seventh aspect of the present invention, in the payment management device that is connected to the portable terminal device operated by the user and constitutes a system for performing payment based on the bill, the information code written on the bill is read. Invoice information reception process for receiving the invoice information generated in step 1 from the mobile terminal device, display of payment contents including information on fees generated in connection with payment based on the received invoice information, and transmission of advertisement information Based on the selection information receiving process for receiving the input selection information from the portable terminal device and the received selection information. If the transmission of the advertising information is permitted, a predetermined process for transmitting the advertising information is performed, and the settlement contents including the fee information when the advertising information is transmitted are included in the portable information. When the payment is made based on the invoice information as an advertiser, the recipient of the fee associated with the payment is displayed on the terminal device, and on the other hand, if the transmission of the advertising information is not possible, It includes a description for executing, using a computer, a management process for performing processing for settlement based on the bill information by adding the accompanying fee.

  The invention described in claim 8 is a payment management device that is connected to a portable terminal device operated by a user and constitutes a system for performing payment based on a bill, and reads an information code written on the bill. Invoice information reception process for receiving the invoice information generated in step 1 from the mobile terminal device, display of payment contents including information on fees generated in connection with payment based on the received invoice information, and transmission of advertisement information Based on the selection information receiving process for receiving the input selection information from the portable terminal device and the received selection information. If the transmission of the advertising information is permitted, a predetermined process for transmitting the advertising information is performed, and the settlement contents including the fee information when the advertising information is transmitted are included in the portable information. When the payment is made based on the invoice information as an advertiser, the recipient of the fee associated with the payment is displayed on the terminal device, and on the other hand, if the transmission of the advertising information is not possible, And a management process for performing processing for settlement based on the bill information by adding the accompanying fee.

  According to the above configuration, in the mobile terminal device, display of payment details including information on a fee generated along with payment and display for inputting selection information indicating whether or not the advertisement information can be transmitted are performed and used. Whether or not the advertisement information can be transmitted is set based on the selection information input by the user according to the display. Further, when the advertisement information is transmitted to the mobile terminal device, the settlement content including the fee information when the advertisement information is transmitted is displayed on the mobile terminal device. Therefore, in the mobile terminal device, when determining whether or not to transmit the advertisement information, sufficient information is displayed, and display or non-display of the advertisement information according to the user's intention with only a minimum input operation. Settings can be made.

  In addition, when transitioning to another site that provides advertisement information, by adding information indicating the rank of the billing amount indicated by the billing information to the link information to the transition destination, the advertising information corresponding to the payment amount You can select or send an empty e-mail from the mobile terminal device, and send the advertising information using the e-mail sent with the address set in the e-mail as the destination Then, it becomes possible to distribute information with a higher degree of freedom using e-mail.

  Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a system diagram showing the configuration of an embodiment of a payment management system according to the present invention and the flow of information in each configuration. In FIG. 1, a camera-equipped mobile phone 1 operated by a user is connected to a server device 2 of a mobile payment center (hereinafter referred to as a mobile payment center 2) via a public communication network such as a mobile phone network or the Internet (not shown). ), Server device 3 of an advertiser company (hereinafter referred to as an advertiser company 3) and server device 4 (hereinafter referred to as a financial institution 4) that provides services such as net banking provided by a financial institution such as a bank. Connected or connectable. In this case, the cellular phone 1 includes a control group 1a such as a power source, a call, an end call, and a numeric key, a control group 1b that functions as a “return” button according to an enter key, a cursor key, and an operation state, and a display. A screen 1c is provided.

  In the example shown in FIG. 1, a financial institution 4 is connected to the mobile payment center 2 via an MPN (multi-payment network) 5 and stores services such as public utilities, etc. A storage company server device 6 (hereinafter referred to as a storage company 6) is connected to the mobile payment center 2 via a predetermined communication line. Further, in the present embodiment, the bill 7 is a payment bill issued to the user by the storage company 6, and billing information indicating the content is printed on the bill 7 as a barcode 71. Yes.

  In FIG. 1, the mobile payment center 2 is a main component of a system for making a payment based on the invoice 7 and is a feature of the present invention. The mobile payment center 2 stores payment information. A payment information database 21 to be managed and an advertisement information database 22 to store and manage a URL (Uniform Resource Locator) in which advertisement information is stored, image information indicating the advertisement information itself, etc. are charged by a predetermined program The document information receiving function 23, the selection information receiving function 24, and the management function 25 are operated and provided. Here, the invoice information receiving function 23 reads the bar code information (= invoice information) generated by reading the information code such as the bar code or the two-dimensional bar code written in the invoice 7 on the mobile phone 1. This is a function of receiving from the mobile terminal device 1. Based on the received barcode information, the selection information receiving function 24 displays payment details including information on fees such as a transfer fee generated along with payment on the mobile phone 1, and sends advertisement information to the mobile phone 1. This is a function for receiving from the mobile phone 1 selection information input in response to the display for inputting selection information indicating whether or not transmission is possible. Then, the management function 25, based on the received selection information, on the other hand, when the transmission of the advertising information is permitted, performs a predetermined process for transmitting the advertising information and transmits the advertising information. The mobile phone 1 displays the payment details including the information on the current fee and performs processing for payment based on the barcode information with the advertiser company 3 as the payer of the fee associated with the payment. When transmission is not possible, this is a function for performing processing for payment based on barcode information by adding a fee associated with payment.

  In addition, the advertiser company 3 is provided with an advertisement information database 31 for storing and managing advertisement information that can be accessed using a URL.

  The configuration shown in FIG. 1 shows a basic configuration, and a plurality of mobile phones 1, financial institutions 4, storage companies 6, and advertiser companies 3 are usually provided. Also, there may be a plurality of mobile payment centers 2, or a system provided by one or a plurality of mobile payment centers 2 may be distributed in a plurality of servers. Each terminal and server device can be composed of a computer and its peripheral devices and a program executed on the computer, and the program can be distributed via a computer-readable recording medium or a communication line. It is.

In the example shown in FIG. 1, when the user operates the mobile phone 1, the barcode 71 of the invoice 7 is read by the mobile phone 1, and then payment processing (settlement processing) using the mobile payment center 2 is performed. Will be performed.
The user reads the barcode of the bill using an application stored in advance in the mobile phone and registers information for identifying the bill in the mobile payment center (step S1).
In step S1, when transmitting information for identifying a payment request by the invoice 7 from the mobile phone 1, the bar code information (invoice ID (identification code), Information that identifies the amount of money and the company to be paid for (such as XX electricity for electric charges) (= invoice information) is included and transmitted.

  The mobile payment center 2 receives the barcode information from the mobile phone 1 by the invoice information receiving function 23 and registers it in the payment information database 21. Next, based on the barcode information, the selection information receiving function 24 and the management function 25 transmit the payment contents including the fee information generated along with the payment and the URL of the advertisement information to the mobile phone 1 (step S2). ). In the mobile phone 1, based on the information received from the mobile payment center 2, payment details including information on a fee that accompanies the payment (for example, a display of “fee 80 yen”) is displayed as a payment confirmation screen ( Step S3). Next, on the screen for inputting selection information indicating whether or not the advertisement information can be transmitted, a display such as “view advertisement?” Is displayed (step S4), and whether or not the transmission of the advertisement information is permitted. Selection information (“yes” / “no”) is input (step S5). The input selection information is received by the selection information receiving function 24.

  In this example, it is assumed that the input operation of the selection information “yes” that enables the transmission of the advertisement information also becomes an operation for instructing the start of access to the advertisement URL sent in step S2. When the selection information receiving function 24 receives the selection information “yes” enabling the transmission of the advertisement information, the management function 25 causes the mobile phone 1 to display a display requesting permission to access the advertiser company 3 and is permitted. In the case where the mobile phone 1 is accessed to the advertising business owner 3, the browser function of the mobile phone 1 is called, or the payment information database 21 is updated with information indicating that the selection information is “yes”. A predetermined process for transmitting the advertisement information is performed. Therefore, the mobile phone 1 accesses the advertising information of the advertiser company 3 (step S6a), and the advertising information is displayed on the display screen 1c of the mobile phone 1 (step S6b). Here, if the user presses the “return” button of the mobile phone 1, the management function 25 displays information on the fee when the advertisement information is transmitted (= part or all of the fee depending on the advertisement display at this time). Information for displaying on the mobile phone 1 the content of the payment including the information on the amount of money reduced (step S7).

  In the mobile phone 1, the payment details including the fee information when the advertisement information is transmitted (for example, display of “fee 0 yen”) is displayed on the payment confirmation screen (step S8). Here, when an input for instructing “payment” is made (step S9), after selecting a financial institution for which payment is to be made as necessary, the settlement specified by the MPN based on the barcode information to the financial institution 4 is made. Information (information converted into key information for specifying an invoice, payment amount, payment instruction via the mobile payment center 2) and instruction information for requesting the payment are transmitted. The financial institution 4 transmits payment information to the mobile payment center 2 via the MPN 5 (step S10). The management function 25 that has received the payment information transmits the payment information to the storage company 6 by referring to the payment information database 21 based on the payment information (step S11). Further, the deposit information (such as digitized application information) is transmitted from the financial institution 4 to the storage company 6 (step S12). Moreover, the management function 25 transmits the information on the generation of the advertising fee to the advertiser company 3 when the advertising fee has been generated for the billing (step S13). The advertiser company 3 transmits the digitized information of the advertising fee (for example, “80 yen”) to the mobile payment center 2 (step S14). The management function 25 deducts the center fee (the fee of the mobile payment center 2) (for example, “15 yen”) (step S15), and transmits the deducted amount to the financial institution 4 as a storage fee (step S16).

  Note that the settlement processing in steps S10 to S16 may be performed in units of billing processing, or may be performed collectively for a certain period or for every certain number of cases. In addition, in step S4 and step S5, when selection information (“no”) for rejecting the transmission of the advertisement information is input, the management function 25 performs a settlement process for the amount obtained by adding the fee to the billed amount. I do.

  As described above, in the embodiment of the settlement management system of FIG. 1, when the transmission of the advertisement information is permitted, the advertisement information provided by the advertiser company 3 is transmitted to the mobile phone 1, The proxy settlement of the commission by the advertiser company 3 will be performed.

  Next, a specific example of the configuration and processing from step S1 (invoice information registration) to step S8 (payment confirmation screen display) in the embodiment of FIG. 1 will be described with reference to FIG. 2 to 6, the same reference numerals are used for the same or corresponding components as those shown in FIG.

  The example shown in FIG. 2 is a case where advertisement information is provided to the mobile phone 1 from an advertisement information site managed by the advertiser company 3. In the example of FIG. 2, the bar code information is registered (step S21 (= corresponding to step S1 in FIG. 1)), the bar code information, storage company identification information, storage amount (billing amount), Each information of a fee and a notification display (displayed by “ON”, not displayed by “OFF”) is registered (record R11). Next, a confirmation screen display is instructed (step S22 (= corresponding to step S2 in FIG. 1)), and a payment confirmation screen D11 is displayed on the mobile phone 1. On the payment confirmation screen D11, the payee company name, the billed amount, the amount of the fee when paying via the mobile payment management center 2, and the information for entering the selection information ("see / not see the notice") are displayed. Is done. In this case, the information for inputting the selection information is accompanied by link information, and “view notification” is a URL of predetermined advertisement information in the advertisement information database 31 of the advertiser company 3 and “does not see notification”. Is associated with information specifying the display screen D14 for selecting the financial institution 4 without looking at the advertisement information.

  When “view notification” is selected on the screen D11, the screen D12 is displayed (step S23). Here, whether or not connection to an external site is confirmed and the “Confirm” button is selected, the fee of the corresponding record R11 in the payment information database 21 and the content of the notification display are updated (the fee is “80”). The notification display is updated from “YEN” to “0 YEN” and from “ON” to “OFF”) (step S24). When the “confirm” button is selected on the screen D12, the browser function cache of the mobile phone 1 is cleared (step S25), and the advertisement information designated by the advertisement URL in the advertisement information 31 is referred to. (Step S26).

  Here, in the cellular phone 1, when the “return” button is pressed, the screen D12 is displayed again (step S27). When the “return” button is further pressed, the payment confirmation screen D13 is referred to the payment information database 21. It is displayed (step S28). When this screen D13 is displayed, since the fee of the record R11 in the payment information database 21 and the content of the notification display are updated, the fee is displayed as “0 yen” and “View / View Notification” is displayed. A button for performing a “payment” process is displayed instead of the “not present” display. Here, when “payment” is pressed, a screen D14 is displayed and the financial institution 4 is selected. Subsequent processing is performed in the same manner as described with reference to FIG.

  Next, another specific example from step S1 (invoice information registration) to step S8 (payment confirmation screen display) in the embodiment of FIG. 1 will be described with reference to FIG. In the specific example shown in FIG. 3, when the advertising information is transmitted, the mobile payment center 2 allows the mobile phone 1 to browse the advertising information stored in its own device. That is, the advertisement data possessed by the advertiser company 3 is transmitted to and registered in the mobile payment center 2 and stored in the advertisement information database 22. And when showing an advertisement, the data memorize | stored in the advertisement information database 22 of the mobile payment center 2 are transmitted and browsed. The example of FIG. 3 is different from the method of FIG. 2 in that it is not necessary to change to another site when using the site of the mobile payment center 2.

  The advertisement transmitted from the mobile payment center 2 is stored as data in a predetermined image file format when advertisement data is received from the advertiser company 3, and is browsed. In this predetermined format data, a URL for accessing a company site may be set as a link button.

  Note that steps S31, S32, S33, S34, and S35 in FIG. 3 correspond to steps S21, S22, S23, S24, and S28 in FIG. The image data D22a in the advertisement information database 22 is displayed on the screen D22 transitioned in step S33 of FIG.

  Next, another specific example from step S1 (invoice information registration) to step S8 (payment confirmation screen display) in the embodiment of FIG. 1 will be described with reference to FIG. In the specific example shown in FIG. 4, when selection information indicating that the mobile phone 1 can transmit advertisement information is input, the text is empty from the mobile phone 1 to a predetermined address such as the advertiser company 3. The e-mail of the sentence is transmitted, and the advertisement information is transmitted by using the e-mail transmitted from the mobile phone 1 to the address set in the e-mail transmitted to the predetermined address. is there. In the example shown in FIG. 4, when “Send blank mail” is selected on the screen D 31 corresponding to the case where “View advertisement” is selected in step S 4 of FIG. 1, a blank mail with a blank text is selected. Is transmitted from the mobile phone 1 to the advertiser company 3, and the advertisement information is transmitted by sending an advertisement mail from the advertiser company 3 to the mobile phone 1 using the mail address of the sender. Is done.

  In the example shown in FIG. 4, the bar code information is registered (step S41 (= corresponding to step S1 in FIG. 1)), the bar code information, the identification information of the storage company, and the storage amount (billing amount). , Fees, and empty mail display (“ON” indicates that empty mail has not been transmitted, and “OFF” indicates that empty mail has already been transmitted) are registered (record R11b). Next, a confirmation screen display is instructed (step S42 (= corresponding to step S2 in FIG. 1)), and a payment confirmation screen D31 is displayed on the mobile phone 1. On the payment confirmation screen D31, there are information on a payee company name, a billing amount, a fee amount when paying via the mobile payment management center 2, and information for inputting selection information (“send / not send empty mail”). Is displayed. In this case, the information for inputting the selection information is accompanied by link information, and “send an empty mail” is a destination e-mail address to the advertiser company 3 (in this example, “abc@ΔΔ.jp”). ), “Do not send blank email” is associated with information specifying the display screen D35 for selecting the financial institution 4 without looking at the advertisement information.

  When “Send empty mail” is selected on the screen D31, the screen D32 is displayed (step S43). Here, whether or not the empty mail can be sent to the advertiser company 3 is confirmed, and when the “confirm” button is selected, the fee of the corresponding record R11b in the payment information database 21 and the contents of the empty mail display are updated. (The fee is updated from “80 yen” to “0 yen”, and the empty mail display is updated from “ON” to “OFF”) (step S44). Further, when the “Confirm” button is selected on the screen D32, the mail function is activated and an e-mail transmission screen D33 is displayed (step S45). Here, when the “Send” button is pressed, the displayed e-mail is sent (step S46). Further, when the “return” button is pressed after the e-mail transmission, the payment confirmation screen D34 is displayed with reference to the payment information database 21 (step S47). When displaying this screen D34, since the fee of the corresponding record R11b in the payment information database 21 and the content of the empty mail display are updated, the fee is displayed as “0 yen” and “Send empty mail” Instead of displaying “/ not send”, a button for performing “to payment” processing is displayed. Here, when “to payment” is pressed, a screen D35 is displayed and the financial institution 4 is selected.

  On the other hand, the advertiser company 3 that has received the empty mail in step S46 uses the mail transmission / reception function 32 to set the address set in the received mail as the transmission destination address, and the corporate advertisement or product stored in the advertisement information database 31. A corporate mail including a coupon such as is transmitted (step S48). This e-mail is received by the mobile phone 1 and the advertisement information is transmitted.

  Next, another specific example from step S1 (invoice information registration) to step S8 (payment confirmation screen display) in the embodiment of FIG. 1 will be described with reference to FIG. The example shown in FIG. 5 is such that the destination of the empty mail in FIG. 4 is the advertiser company 3 is sent to a predetermined e-mail address of the mobile payment center 2. Then, the mobile payment center 2 sends an e-mail including the payment result information to the address of the empty mail and the advertisement information registered in advance in the advertisement information database 22 of the mobile payment center 2 from the advertiser company 3. It is what I did.

  In the example shown in FIG. 5, the bar code information is registered (step S51 (= corresponding to step S1 in FIG. 1)), the bar code information, the storage company identification information, the storage amount (billing amount) are stored in the payment information database 21. , Fees, and empty mail display (“ON” indicates that empty mail has not been transmitted, and “OFF” indicates that empty mail has already been transmitted) are registered (record R11b). Next, a confirmation screen display is instructed (step S52 (= corresponding to step S2 in FIG. 1)), and a payment confirmation screen D41 is displayed on the mobile phone 1. On the payment confirmation screen D41, the payment company name, the billing amount, the fee when paying via the mobile payment management center 2, and the information for entering the selection information (select “Send / Do not send empty email”) Button and a “confirm” button).

  When the “Confirm” button is pressed while “Send empty mail” is selected on the screen D41, the fee of the corresponding record R11b in the payment information database 21 and the content of the empty mail display are updated (the fee is “80”). The empty mail display is updated from “ON” to “OFF” from “YEN” to “0 YEN”) (step S53). In addition, the mail function is activated, and an e-mail transmission screen D42 is displayed (step S54). Here, when the “Send” button is pressed, the displayed electronic mail is sent (step S55).

  When the “return” button is pressed after sending the e-mail on the screen D42, a payment confirmation screen D43 is displayed with reference to the payment information database 21 (step S56). When this screen D43 is displayed, the fee of the corresponding record R11b in the payment information database 21 and the contents of the empty mail display are updated. Therefore, the fee is displayed as “0 yen” and “Send empty mail” is displayed. Instead of displaying “/ not send”, a button for performing “to payment” processing is displayed. Here, when “to payment” is pressed, a screen D44 is displayed and the financial institution 4 is selected.

  On the other hand, the management function 25 (in this case, the management function 25 includes the mail transmission / reception function 25a) that has received the empty mail in step S55 uses the mail transmission / reception function 25a as the destination address. Then, an e-mail including confirmation information of the payment result is transmitted (step S57), including corporate advertisements and coupons for products stored in the advertisement information database 22. This e-mail is received by the mobile phone 1 and the advertisement information is transmitted.

  Next, a modification of the specific example described with reference to FIGS. 4 and 5 will be described with reference to FIG. In the specific example of FIG. 6, an address set in an e-mail transmitted from the mobile phone 1 to a predetermined address is registered in advance (member registration), and the electronic mail transmitted with the address as a destination is registered. Advertisement information is transmitted by e-mail.

  In the example of FIG. 6, the two-dimensional barcode 8 indicating the URL of the initial screen for member registration in the mobile payment center 2 is read by the mobile phone 1 and accessed from the mobile phone 1 (step S61). The mobile payment center 2 gives an instruction to display a member registration screen (step S62), and the mobile phone 1 gives an instruction to send a blank email for member registration and an incoming e-mail from the mobile payment center 2 or the advertiser company 3. A screen D51 is displayed for prompting the user to make a setting for permission. When registering as a member, the user presses a “confirm” button with “send empty mail” selected. Here, the mail function is activated (step S63). When the “Send” button is selected on the screen (D52) on which the content of the outgoing mail addressed to the mobile payment center 2 is displayed, an electronic mail is sent (step S64).

  The mobile payment center 2 transmits an e-mail (D53) including the URL of the member registration site to the received e-mail address (step S65). Here, when the URL for the member registration site is selected on the mobile phone 1, the member registration site is accessed (step S66). Here, in the database 26 for managing member information in the mobile payment center 2, a record for storing mobile identification information, member ID, e-mail address and the like for each member ID is created. Thereafter, for the payment request from the mobile phone 1 identified by the mobile identification information registered in the member database 26, it is assumed that the advertisement information is selected to be transmitted to the registered e-mail address. Transmission of an e-mail including advertisement information and settlement processing are performed by omitting transmission of a blank e-mail or the like.

  According to this specific example, at the time of member registration, an e-mail can be sent from the site side to the user's mobile phone 1 and registration can be made in a state where the incoming call rejection is cancelled. it can.

  In the above-described embodiment, for example, information indicating the billing amount of the invoice 7 by rank may be attached to the URL specifying the advertisement information and accessed. At this time, for example, “WWW.aaaaaaa /? Rank = b” is attached to the URL, and the rank information of the amount is attached after the symbol “?”, And the server recognizes this, You may make it select and transmit the advertisement according to this rank. At this time, on the server side, an advertisement can be stored in association with rank information, and an advertisement can be selected with reference to the advertisement. In this case, based on the payment amount, an advertisement that the user is likely to purchase (that is likely to be interested) can be selected and transmitted.

  In the above configuration, on the “mobile payment management” screen D11 and the like, the options “view notification” and “do not see notification” are displayed once, and the user selects them, and this page is displayed on the mobile phone 1. The transition to the next page is made without caching. This means that when the user presses the “Return” button on the screen of the mobile phone 1 and returns to the “Mobile Payment Management” screen, the options of “View Notification” and “Not Display Notification” are displayed again. (That is, since it is not cached, screen information is transmitted again from the server side). Therefore, a screen for selecting the option of “view notification” or “do not see notification” is displayed. When selected by the user, the flag can be turned off, and the screen can be displayed with the “return” button. Even if you return it, you don't have to reselect it.

Note that the information code written on the invoice 7 for specifying the invoice 7 can be a bar code, a two-dimensional bar code, or the like, as well as reading information combining characters and numbers. is there.
In the above-described embodiment, the payment means may be electronic money or a credit card as well as via the MPN.

It is a system diagram which shows the flow of the information in embodiment of the payment management system by this invention. A specific example (an example of providing advertisement information of a site managed by the advertiser company 3) from step S1 (invoice information registration) to step S8 (display of a payment confirmation screen) in the embodiment of FIG. 1 will be described. It is a system diagram for doing. Another specific example (an example of providing advertisement information stored in the mobile payment center 2) from step S1 (invoice information registration) to step S8 (display of a payment confirmation screen) in the embodiment of FIG. It is a system diagram for explaining. Still another specific example from step S1 (invoice information registration) to step S8 (display of payment confirmation screen) in the embodiment of FIG. 1 (advertisement information from advertiser company 3 to mobile phone 1 using e-mail) FIG. Still another specific example (advertisement from advertiser company 3 registered in mobile payment center 2) from step S1 (invoice information registration) to step S8 (display of payment confirmation screen) in the embodiment of FIG. It is a system figure for demonstrating the example of transmitting the result of a payment process with the information from the mobile payment center 2 to the mobile telephone 1 using an email. FIG. 4 is a partial modification of the specific example shown in FIG. 4 or FIG. 5 and describes the configuration and information flow when the mobile payment center 2 stores the e-mail address of the mobile phone 1 as member registration information. It is a system diagram for.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 ... Cellular phone (mobile terminal device), 2 ... Mobile payment center (server device, settlement management device), 3 ... Server device of advertiser company, 4 ... Server device of financial institution, 5 ... MPN (multiple payment network), 6 ... Server device of storage company, 7... Bill, 71 .. bar code (information code), 21... Payment information database, 22 .. advertisement information database, 23. Management function, 25a ... Mail transmission / reception function, 26 ... Member information database, 31 ... Advertisement information database

Claims (8)

It is connected to a mobile terminal device operated by a user, and constitutes a system for performing payment based on an invoice,
Bill information receiving means for receiving bill information generated by reading an information code written on the bill from the mobile terminal device;
Based on the received invoice information, the mobile terminal device displays a payment content including information on a fee generated along with the payment, and a display for inputting selection information indicating whether or not the advertisement information can be transmitted. Selection information receiving means for receiving the input selection information from the mobile terminal device;
On the other hand, based on the received selection information, if the transmission of the advertising information is permitted, a predetermined process for transmitting the advertising information is performed, and information on a fee when the advertising information is transmitted is included. When the payment details are displayed on the mobile terminal device, and the processing of payment based on the invoice information is performed as the advertiser as the burden of the fee associated with the payment, while the transmission of the advertising information is disabled Includes a management means for performing processing for payment based on the bill information by adding a fee associated with payment. When the management means allows the transmission of advertisement information by the selection information, the mobile terminal device changes the advertisement information stored in the other site by making a transition to a site different from the own device. The settlement management apparatus according to claim 1, wherein the settlement management apparatus is configured to be browsed by the user. The payment management apparatus according to claim 2, wherein when transitioning to another site, information indicating a rank of a billing amount indicated by the bill information is added to link information to the transition destination. The management means, when the transmission of advertisement information is permitted by the selection information, allows the advertisement information stored in the own device to be browsed on the mobile terminal device. The settlement management device according to 1. When the selection information indicating that transmission of the advertisement information is permitted in the mobile terminal device is input, an e-mail is transmitted from the mobile terminal device to a predetermined address,
The advertisement information is transmitted by the management means using an e-mail that is transmitted from an address set in an e-mail transmitted from the portable terminal device to a predetermined address. The settlement management device according to claim 1. An address set in an e-mail transmitted from the mobile terminal device to a predetermined address is registered in advance, and the e-mail transmitted by the management means with the address as the destination is used as an e-mail The payment management apparatus according to claim 1, wherein In a payment management apparatus that is connected to a mobile terminal device operated by a user and constitutes a system for performing payment based on an invoice,
A bill information receiving process for receiving bill information generated by reading an information code written on the bill from the mobile terminal device;
Based on the received invoice information, the mobile terminal device displays a payment content including information on a fee generated along with the payment, and a display for inputting selection information indicating whether or not the advertisement information can be transmitted. A selection information receiving process for receiving the input selection information from the mobile terminal device;
On the other hand, based on the received selection information, if the transmission of the advertising information is permitted, a predetermined process for transmitting the advertising information is performed, and information on a fee when the advertising information is transmitted is included. When the payment details are displayed on the mobile terminal device, and the processing of payment based on the invoice information is performed as the advertiser as the burden of the fee associated with the payment, while the transmission of the advertising information is disabled Includes a description for executing, using a computer, a management process in which a fee for payment is added and processing for payment based on the bill information is performed. In a payment management apparatus that is connected to a mobile terminal device operated by a user and constitutes a system for performing payment based on an invoice,
A bill information receiving process for receiving bill information generated by reading an information code written on the bill from the mobile terminal device;
Based on the received invoice information, the mobile terminal device displays a payment content including information on a fee generated along with the payment, and a display for inputting selection information indicating whether or not the advertisement information can be transmitted. A selection information receiving process for receiving the input selection information from the mobile terminal device;
On the other hand, based on the received selection information, if the transmission of the advertising information is permitted, a predetermined process for transmitting the advertising information is performed, and information on a fee when the advertising information is transmitted is included. When the payment details are displayed on the mobile terminal device, and the processing of payment based on the invoice information is performed as the advertiser as the burden of the fee associated with the payment, while the transmission of the advertising information is disabled And a management process of performing processing for payment based on the bill information by adding a fee associated with payment.

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