JP2010061237A - In-vehicle settlement system, in-vehicle settlement device, and in-vehicle settlement communication interface card - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce the management and the troublesomeness of the reinsertion of a settlement card for an in-vehicle settlement device, by solving the problem wherein it is necessary for a user to carry a plurality of settlement cards for the in-vehicle device and to reinsert those settlement card into an exclusive in-vehicle unit, each time. <P>SOLUTION: A in-vehicle settlement system S is provided with the in-vehicle settlement device 10 loaded on a vehicle 1; a portable telephone terminal device 100, having an electronic settlement function capable of communicating with the in-vehicle settlement device 10 by short-range radio communication; a roadside unit 200 for performing road side/vehicle communication with the in-vehicle settlement device 10; a core network 300 which is a gateway for connecting the road side unit 200 with the network N and a settlement server 400 connected to the network N. The settlement server 400 is a server device which performs the settlement processing of charge or a price with the in-vehicle settlement device 10. In this way, the portable telephone terminal device 100 and the settlement server 400 are connected to indirectly communicate with one another so that electronic settlement with electronic money, or the like, can be performed between the settlement function of the portable telephone terminal device 100 and the settlement server 400. <P>COPYRIGHT: (C)2010,JPO&INPIT

Description

  The present invention relates to an in-vehicle payment system, an in-vehicle payment apparatus, and an in-vehicle payment communication interface card that perform payment by ETC (Electronic Toll Collection, registered trademark, the same applies hereinafter).

  In recent years, the ETC system has become widespread as a method for settlement of tolls on toll roads. In order to use the ETC system, an ETC card equipped with an integrated circuit storing user identification information and a DSRC (Dedicated Short Range Communication) based on the user identification information of the ETC card are used. An ETC vehicle-mounted device for communicating with a road-to-vehicle communication device (hereinafter referred to as a roadside device) is required.

  In the ETC system, the usage status of the user is recorded in the center server through communication between the ETC in-vehicle device in which the ETC card is inserted and the road-to-vehicle communication device installed at the entrance / exit of the toll road. The usage situation is compiled for each user for a certain period, and the toll on the toll road is stored by deferred payment in the same manner as a credit card.

JP 2000-172891 A

  By the way, conventionally, the ETC system is supposed only to settle tolls on toll roads. However, in the near future, as a type of electronic payment, Smartway will enable not only tolls on toll roads, but also payments at the gas stations and fast food stores, etc. The concept is becoming reality.

  According to the Smartway concept, DSRC can be applied to RVC (Road to Vehicle Communication) and IVC (Inter-Vehicle Communication), and connected to the Internet to enable electronic payments in all aspects. To do.

  However, in the conventional technologies represented by the above, the dedicated on-board device payment system requires the insertion of a payment card into the dedicated on-vehicle device, so if you forget to insert the payment card, a payment error may occur. It was. When a toll fee settlement error occurs at the entrance / exit of the toll road, the entrance / exit gate does not open, which obstructs the smooth flow of traffic, and there is a risk of a rear-end collision.

  In addition, when the smart way concept is realized, it may be necessary to use different payment cards issued by different card issuing organizations for each payment scene. In other words, when a product or service is purchased and payment is made with a payment card like a current credit card, the store can only make payment with a payment card issued by a specific card issuing organization. Is assumed. Therefore, it is necessary to have a plurality of settlement cards and reinsert them into the dedicated vehicle-mounted device, which may cause the management of the settlement cards and the troublesomeness of reinsertion.

  An in-vehicle payment system, an in-vehicle payment device, and an in-vehicle payment communication interface card disclosed below are made to solve the above problems (issues), and the insertion of the payment card into a dedicated on-vehicle device It is an object of the present invention to enable electronic payment using an in-vehicle payment system without having to carry out the electronic payment, and to enable electronic payment using an in-vehicle payment system without possessing a plurality of payment cards.

  In order to solve the above-described problems and achieve the object, the disclosed in-car settlement system, in-car settlement apparatus, and in-car settlement communication interface card have an electronic settlement function capable of short-range wireless communication by establishing authentication communication. And a payment information receiving unit that receives information related to electronic payment from the vehicle, and a server side payment processing unit that performs payment processing based on the information related to electronic payment received by the payment information receiving unit. A settlement server, an electronic settlement enable determination unit that determines whether the vehicle is located in an area where electronic settlement can be performed with the settlement server via road-to-vehicle communication, and an electronic settlement enable determination unit that Use to transmit user information to a payment server when performing electronic payment when it is determined that the mobile phone is located in a possible area and authentication communication is established with the mobile terminal device in the vehicle. An in-vehicle payment apparatus having an information transmission unit, a payment processing unit that processes electronic payment based on information from the payment server and the mobile terminal device, and the payment processing unit includes an electronic payment function of the mobile terminal device and a payment server One of the requirements is to relay electronic payments made between and.

  According to the disclosed in-vehicle payment system, in-vehicle payment apparatus, and in-vehicle payment communication interface card, the in-vehicle payment apparatus relays the electronic payment performed between the electronic payment function of the mobile terminal device and the payment server. Therefore, even if a payment card is not inserted, the in-car payment device can make a payment using the electronic payment function of the mobile terminal device, and can prevent troubles caused by forgetting to insert the payment card. There is an effect that you can.

  In addition, by using the electronic payment function of the portable terminal device having high versatility, the electronic payment function of the portable terminal device can be used for centralized payment without having a plurality of payment cards. Play.

  Exemplary embodiments according to an in-vehicle payment system, an in-vehicle payment apparatus, and an in-vehicle payment communication interface card will be described below in detail with reference to the accompanying drawings. In addition, before showing an example of 1st Embodiment which concerns on an in-vehicle payment system, an in-vehicle payment apparatus, and an in-vehicle payment communication interface card to an example of a 3rd embodiment below, the in-vehicle payment system which concerns on an example of embodiment An outline of an in-vehicle payment system including an in-vehicle payment apparatus and an in-vehicle payment communication interface card will be described.

  As shown in FIG. 1, an in-vehicle payment system S according to an example of an embodiment includes an in-vehicle payment apparatus 10 such as an ETC in-vehicle device mounted on a vehicle 1, a short-range wireless communication with the in-vehicle payment apparatus 10 (for example, , Bluetooth (registered trademark), infrared communication, UMB (Ultra Mobile Broadband), and a mobile phone terminal device 100 having an electronic payment function (for example, Osaifu-Keitai (registered trademark, the same shall apply hereinafter)) A roadside device 200 that performs road-to-vehicle communication via the payment apparatus 10 and the antenna 13a, a core network 300 that is a gateway for connecting the roadside device 200 to the network N, and a payment server 400 that is connected to the network N are included. . The payment server 400 is a server device that performs a payment process with the in-vehicle payment apparatus 10 for payment of a fee or a price.

  In the in-vehicle payment system S, the roadside device 200 is installed around a toll road gate device, a drive-through sales window of a fast food restaurant, and the like. The roadside machine 200 cooperates with an ETC fee system server on a toll road and a sales management system server on a fast food restaurant. In this way, since the mobile phone terminal device 100 and the payment server 400 are connected so as to be able to communicate indirectly, between the payment function of the mobile phone terminal device 100 and the payment server 400, for example, electronic money or the like Enables electronic payment.

[Example of First Embodiment]
2 to 6, the in-vehicle payment apparatus 10a, the payment server 400, the roadside machine 200, and the devices included in the in-vehicle payment system S according to the example of the first embodiment. The electronic settlement process will be described.

  First, the configuration of the in-vehicle settlement apparatus 10a will be described with reference to FIG. FIG. 2 is a functional block diagram showing the configuration of the in-vehicle payment apparatus 10a and various devices connected to the in-vehicle payment apparatus 10a.

  As shown in FIG. 2, the in-vehicle settlement apparatus 10a can communicate with the travel control apparatus 20 via the in-vehicle network 50 using the in-vehicle network interface unit 14 as an interface in the vehicle 1a. The travel control device 20 controls various control devices (drive prime mover control device, braking device control device, various sensors, etc.) that control the travel of the vehicle 1a. In particular, a vehicle speed sensor 21 that detects the vehicle speed of the vehicle 1a is connected to the travel control device 20 according to an example of the first embodiment, but other connected components are omitted.

  The in-car settlement apparatus 10 a is connected to the car navigation apparatus 17 via the input interface unit 18. The car navigation device 17 uses a GPS (Global Positioning System) or the like to acquire a vehicle position, and a map that stores map information including road information necessary for traveling of the vehicle 1a. And an information storage unit 17b.

  The in-vehicle payment apparatus 10a is connected to the mobile phone terminal device 100 so as to be capable of wireless communication by communication control via the short-range wireless communication interface unit 15 by the short-range wireless communication control unit 12. Note that the present invention is not limited to the mobile phone terminal device 100 and may be any device as long as it has a wireless communication function and an electronic payment function.

  The in-vehicle settlement apparatus 10a is connected to the roadside device 200 so as to be capable of wireless communication by communication control via the antenna 13a by the communication control unit 13. Further, the in-vehicle payment apparatus 10a includes a card information reading unit 16a into which a payment card 16a1 for in-vehicle payment apparatus in which an integrated circuit is mounted with a credit card size can be inserted. The card information reading unit 16a includes an integrated circuit that can read / write information from / to an integrated circuit mounted on the in-vehicle payment apparatus payment card 16a1.

  The in-car settlement apparatus 10a includes a settlement control unit 11 as a function related to settlement processing with the settlement server 400. The settlement control unit 11 is a control device such as a micro computer. The payment control unit 11 includes a DSRC payment available area detection unit 11a, a user information transmission unit 11b, and a payment processing unit 11c.

  The DSRC payment possible area detection unit 11a determines whether or not the vehicle 1a exists in an area where DSRC payment is possible based on the vehicle position information and map information input from the car navigation device 17. Alternatively, the DSRC payment possible area detecting unit 11a may determine that the vehicle 1a exists in an area where DSRC payment is possible by detecting an output radio wave of the roadside device 200 that relays the DSRC payment.

  Note that, when it is determined that the vehicle 1a exists in an area where DSRC payment is possible, the vehicle speed of the vehicle 1a detected by the vehicle speed sensor 21 is set to be a certain value (for example, 20 km / h) or less. This is because no matter how much the vehicle 1a exists in an area where DSRC payment is possible, if the vehicle speed is equal to or higher than a certain value, smooth payment processing cannot be performed. If the vehicle 1a is present at the entrance / exit of a toll road, for example, the vehicle speed is preferably 20 km / h. Further, if the vehicle 1a is present at a sales outlet of a fast food store, for example, the vehicle speed is preferably 0 km / h.

  The user information transmission unit 11b transmits the user information stored in the integrated circuit of the in-car settlement device settlement card 16a1 or the mobile phone terminal device to the roadside device 200 via the communication control unit 13. The roadside device 200 transmits user information to the payment server 400 via the network N. In this way, authentication communication is established between the mobile phone terminal device brought into the vehicle compartment of the vehicle 1a and the settlement server 400.

  The settlement processing unit 11c performs settlement processing of the settlement amount by the on-board settlement apparatus settlement card 16a1 or the electronic settlement function of the mobile phone terminal device 100 according to the settlement process requested by the settlement server 400 based on the user information. . That is, when the settlement is performed using the in-car settlement apparatus settlement card 16a1, the fact that the settlement is performed using the in-vehicle settlement apparatus settlement card is transmitted to the settlement server 400. Alternatively, in the case of performing payment using the electronic payment function of the mobile phone terminal device 100, the fact that payment is performed using the electronic payment function of the mobile phone terminal device 100 is transmitted to the payment server 400. The user can arbitrarily select which method is used for settlement. If the in-vehicle payment apparatus payment card 16a1 is not inserted in the card information reading unit 16a, the payment information is transmitted to the payment server 400 that the payment is performed by the electronic payment function of the mobile phone terminal device 100. Alternatively, it may be set so that payment is preferentially performed by the electronic payment function of the mobile phone terminal device 100.

  If the electronic payment function of the mobile phone terminal device 100 handles prepaid electronic money, the balance information of the electronic money is transmitted to the payment server 400 at the same time. The settlement server 400 performs settlement processing using the on-board settlement apparatus settlement card settlement processing or the electronic settlement function of the mobile phone terminal device 100 based on the information transmitted from the settlement processing section 11c, and processes the settlement processing section 11c. Notify the result.

  Next, the configuration of the settlement server 400 will be described with reference to FIG. As shown in the figure, the settlement server 400 includes a control unit 401, which is a control device such as a microcomputer, a settlement facility identification information storage unit 402, a settlement system user information management unit 403, and a communication control unit 404. And have.

  The control unit 401 includes a user information management unit 401a and a settlement processing unit 401b. The user information management unit 401a manages the user identification information transmitted from the in-vehicle payment apparatus 10a and the identification information of the roadside device 200 that has transmitted the user identification information. The user information management unit 401a refers to the settlement facility identification information table illustrated in FIG. 4-1 based on the identification information of the roadside device 200 transmitted from the in-vehicle settlement apparatus 10a, and allows settlement facilities (payment system). (Available facility identification information is acquired).

  The user information management unit 401a exemplifies the user identification information transmitted from the in-vehicle payment apparatus 10a, the user name based on the user identification information, and the payment system usable facility identification information as shown in FIG. Stored in the payment system user information management table.

  The payment processing unit 401b calculates a billing fee according to the usage status of the user managed by the payment system user information management unit 403, and payment approval of a credit card company or an electronic money management company connected to the network N Request payment approval from the server. When the payment approval is notified from the management server, the payment processing unit 401b transmits payment completion to the in-vehicle payment apparatus.

  Next, the configuration of the roadside machine 200 will be described with reference to FIG. As shown in the figure, the roadside machine 200 has a control unit 201 which is a control device such as a microcomputer. The control unit 201 includes a short-range wireless communication control unit 201a that controls short-range wireless communication with the in-vehicle payment apparatus 10a, and information relating to payment (user identification information, in-vehicle payment apparatus payment card 16a1 identification information, electronic Payment information relay unit 201b that relays money information and the like, and network communication control unit 201c that transmits and receives information relayed by the payment information relay unit 201b to and from the core network 300 via the network communication control unit 201c. And have.

  Next, with reference to FIG. 6, the payment process performed by the in-vehicle payment system S will be described. Here, an example in which payment is performed by the electronic payment function of the mobile phone terminal device 100 will be described. As shown in the figure, when a person who has a mobile phone terminal device 100 having an electronic payment function gets on the vehicle 1a, authentication communication by short-range wireless communication is established with the in-vehicle payment device 10a ( Step S101).

  Subsequently, the in-vehicle payment apparatus 10a establishes authentication communication with the roadside device 200 when it becomes necessary to perform electronic payment (step S102). Subsequently, the in-vehicle payment apparatus 10a transmits a payment method to the payment server 400 via the roadside device 200 (steps S103 and S104).

  Subsequently, the in-vehicle payment apparatus 10a receives vehicle information (including user identification information, in-vehicle payment apparatus payment card identification information, identification information of a mobile phone terminal device having an electronic payment function, etc.) on the roadside device 200. To the settlement server 400 (step S105, step S106).

  Subsequently, the in-vehicle payment apparatus 10a transmits the payment conditions (including payment history, electronic money balance information, etc.) to the payment server 400 via the roadside device 200 (steps S107 and S108).

  Subsequently, the settlement server 400 transmits a charge request to the in-vehicle settlement apparatus 10a (steps S109 and S110). Subsequently, the in-car settlement device 10a makes a payment request to the mobile phone terminal device 100 (step S111). Subsequently, the mobile phone terminal device 100 confirms that there is a payment request to the in-car settlement device 10a (step S112), and payment information (identification of electronic money information or post-pay type electronic money is confirmed when the confirmation is obtained. (Including information etc.) is transmitted to settlement server 400 (step S113, step S114, step S115).

  Upon receiving the payment information, the payment server 400 requests payment approval from the payment approval server of the credit card company or electronic money management company, and transmits the payment approval to the mobile phone terminal device 100 when the payment approval is obtained ( Step S116, Step S117, Step S118). By displaying the payment approval received by the mobile phone terminal device 100 on the screen, the payment processing performed in the in-vehicle payment system S is completed.

  According to the in-vehicle payment system S and the in-vehicle payment apparatus 10a shown in the example of the first embodiment described above, an electronic money function such as an Osaifu-Keitai is used in the smart way concept while utilizing the infrastructure of the conventional ETC payment system. This makes it possible to diversify payment method channels and improve user convenience. Even if you forget to insert the payment card for in-vehicle payment device into the ETC in-vehicle device and reach the ETC lane at the entrance / exit of the toll road, you can use the electronic money function such as Osaifu-Keitai instead of the in-vehicle payment device payment card. Therefore, it is possible to prevent an accident that the gate does not open on the ETC lane.

[Example of Second Embodiment]
The configuration of the in-vehicle payment apparatus 10a shown in the example of the first embodiment has a short-range wireless communication function (the short-range wireless communication control unit 12 and the short-range wireless communication function) with the mobile phone terminal device 100 as compared with the conventional in-vehicle payment apparatus. A wireless communication interface unit 15) is added. On the other hand, the in-vehicle payment apparatus 10b and the in-vehicle payment apparatus 10c in the vehicle 1b shown as an example of the second embodiment have the same configuration as the conventional in-vehicle payment apparatus, and the short-range wireless communication control unit 12 and the short-range The wireless communication interface unit 15 is not provided.

  As shown in FIGS. 7 and 8, in the in-car settlement apparatus 10b, the card information reading unit 16b exchanges information with the short-range wireless communication control unit 16b11, the short-range wireless communication interface unit 16b12, and the card information reading unit 16b. A card type interface 16b1 having a card reader interface unit 16b13, which is a possible integrated circuit, can be inserted.

  The board of the card-type interface 16b1 has the same shape and size as a normal payment card for a vehicle-mounted payment device or a credit card. Alternatively, a normal payment card for on-vehicle payment apparatus or a credit card may be used as the substrate.

  The card reader interface unit 16b13 is an integrated circuit that is mounted on the same portion as a normal payment card for in-vehicle payment apparatus or a credit card. By exchanging information between the card information reading unit 16b and the card reader interface unit 16b13, short-range wireless communication between the in-vehicle settlement apparatus 10b and the mobile phone terminal device 100 becomes possible, and the first embodiment It is possible to perform the same processing as the in-car settlement apparatus 10a shown in the example.

  As shown in FIGS. 9 and 10, the in-vehicle payment apparatus 10c includes a mobile phone terminal device 100a in which the card information reading unit 16b includes a short-range wireless communication control unit 100a1 and a short-range wireless communication interface unit 100a2. A card type interface 16c1 having a mobile phone terminal device communication interface unit 16c11 and a card reader interface unit 16c12 for short-range wireless communication can be inserted.

  The board of the card-type interface 16c1 has the same shape and size as a normal on-board payment apparatus payment card or credit card. Alternatively, a normal payment card for on-vehicle payment apparatus or a credit card may be used as the substrate.

  The card reader interface unit 16c12 is an integrated circuit that is mounted on the same portion as a normal payment card or credit card for in-vehicle payment devices. By exchanging information between the card information reading unit 16c and the card reader interface unit 16c12, short-range wireless communication between the in-vehicle settlement apparatus 10c and the mobile phone terminal device 100 becomes possible, and the first embodiment It is possible to perform the same processing as the in-car settlement apparatus 10a shown in the example.

  The mobile phone terminal device 100a is capable of short-range wireless communication with the mobile phone terminal device 100 having an electronic payment function via the short-range wireless communication control unit 100a1 and the short-range wireless communication interface unit 100a2. That is, the mobile phone terminal device 100 having the electronic payment function can communicate with the in-vehicle payment device 10b via the mobile phone terminal device 100a and the card type interface 16c1.

  According to the in-vehicle payment apparatus 10c, the card-type interface 16b1, and the card-type interface 16c1 shown in the example of the second embodiment, in addition to the effects of the in-vehicle payment apparatus 10a shown in the example of the first embodiment, the existing Since it is possible to make payments by communicating with an Osaifu-Keitai etc. using an in-vehicle payment apparatus such as an ETC on-vehicle device, the Osaifu-Keitai etc. and the in-vehicle payment apparatus 10b Enables coordination.

  Although an example of the embodiment of the present invention has been described above, the present invention is not limited to this, and can be implemented in various different embodiments within the scope of the technical idea described in the claims. It may be. Moreover, the effect described in an example of embodiment is not limited to this.

  In addition, among the processes described in the example of the embodiment, all or part of the processes described as being automatically performed can be manually performed, or have been described as being manually performed. All or a part of the processing can be automatically performed by a known method. In addition, the processing procedure, the control procedure, the specific name, and information including various data and parameters shown in the exemplary embodiment can be arbitrarily changed unless otherwise specified.

  Further, each component of each illustrated apparatus is functionally conceptual, and does not necessarily need to be physically configured as illustrated. In other words, the specific form of distribution / integration of each device is not limited to that shown in the figure, and all or a part thereof may be functionally or physically distributed or arbitrarily distributed in arbitrary units according to various loads or usage conditions. Can be integrated and configured.

  Furthermore, each or all of the processing functions performed in each device are entirely or partially a CPU (Central Processing Unit) (or a microcomputer such as an MPU (Micro Processing Unit) or MCU (Micro Controller Unit)) and It may be realized by a program that is analyzed and executed by the CPU (or a microcomputer such as MPU or MCU), or may be realized as hardware by wired logic.

It is a figure which shows the structure of the vehicle-mounted payment system which concerns on an example of embodiment. It is a functional block diagram which shows the structure of the vehicle-mounted payment apparatus which concerns on an example of 1st Embodiment, and the apparatus connected. It is a functional block diagram which shows the structure of a payment server. It is a figure which shows an example of a payment possible facility identification information table. It is a figure which shows an example of a payment system user information management table. It is a functional block diagram which shows the structure of a roadside machine. It is a sequence diagram which shows the payment process performed with the vehicle-mounted payment system. It is a functional block diagram which shows the structure of the vehicle-mounted payment apparatus which concerns on an example of 2nd Embodiment, and the apparatus connected. It is a functional block diagram which shows the structure of the card type interface which concerns on an example of 2nd Embodiment. It is a functional block diagram which shows the structure of the vehicle-mounted payment apparatus which concerns on an example of 2nd Embodiment, and the apparatus connected. It is a functional block diagram which shows the structure of the card type interface which concerns on an example of 2nd Embodiment.

Explanation of symbols

N network S in-car settlement system 1, 1a, 1b vehicle 10, 10a, 10b, 10c in-car settlement apparatus 11 settlement control unit 11a settlement available area detection unit 11b user information transmission unit 11c settlement processing unit 12 short-range wireless communication control Unit 13 communication control unit 13a antenna 14 in-vehicle network interface unit 15 near field communication interface unit 16a, 16b, 16c card information reading unit 16a1 in-car settlement device settlement card 16b1, 16c1 card type interface 16b11 near field communication control unit 16b12 Short-range wireless communication interface unit 16b13 Card reader interface unit 16c11 Mobile phone terminal device communication interface unit 16c12 Card reader interface unit 17 Car navigation device 17a Position acquisition unit 17b Map information storage unit 18 Input interface unit 20 Travel control device 21 Vehicle speed sensor 50 Vehicle-mounted network 100, 100a Mobile phone terminal device 100a1 Short-range wireless communication control unit 100a2 Short-range wireless communication interface unit 100a Mobile phone terminal device 200 Road side Machine 201a Short-range wireless communication control unit 201b Settlement information relay unit 201c Network communication control unit 201 Control unit 300 Core network 400 Settlement server 401 Control unit 401a User information management unit 401b Settlement processing unit 402 Settlement facility identification information storage unit 403 Settlement System user information management unit 404 Communication control unit

Claims (7)

A portable terminal device having an electronic payment function capable of establishing short distance wireless communication by establishing authentication communication;
A payment server having a payment information receiving unit that receives information related to electronic payment from a vehicle, and a server-side payment processing unit that performs payment processing based on the information related to the electronic payment received by the payment information receiving unit;
An electronic payment enablement determination unit that determines whether or not the vehicle is located in an area where electronic payment can be made with the payment server via road-to-vehicle communication, and the payment server and the electronic payment can be determined by the electronic payment enablement determination unit. A user information transmitting unit that transmits user information to the settlement server when performing electronic settlement when authentication communication is established with the portable terminal device in the host vehicle, and An in-vehicle payment apparatus having a payment processing unit that processes electronic payment based on information from the payment server and the portable terminal device, and
The payment processing unit relays an electronic payment performed between the electronic payment function of the mobile terminal device and the payment server. An electronic settlement enable determination unit that determines whether or not the own vehicle is located in an area where electronic payment can be made with a payment server via road-to-vehicle communication;
When it is determined by the electronic settlement enablement determination unit that the electronic payment is determined to be located in an area where the electronic payment can be made with the payment server, and user authentication is performed with the mobile terminal device in the host vehicle, A user information transmitter for transmitting to the payment server;
A payment processing unit that processes electronic payment based on information from the payment server and the mobile terminal device;
The payment processing unit relays an electronic payment performed between the electronic payment function of the mobile terminal device and the payment server. A short-range wireless communication control unit that controls short-range wireless communication with a mobile terminal device having an electronic payment function;
3. The payment processing unit relays an electronic payment performed between the electronic payment function of the mobile terminal device connected via short-range wireless communication and the payment server. The vehicle-mounted payment apparatus as described. A card insertion unit for inserting a card equipped with an integrated circuit necessary for electronic payment with the payment server;
An integrated circuit read / write unit that reads / writes information from / to the integrated circuit of the card inserted into the card insertion unit,
The card insertion unit includes a short-range wireless communication control unit that controls short-range wireless communication with a mobile terminal device having an electronic payment function unit, and a communication that includes an integrated circuit connected to the short-range wireless communication control unit An interface card can be inserted,
The integrated circuit read / write unit reads / writes information from / to the integrated circuit of the communication interface card,
The payment processing unit is an electronic payment function of the mobile terminal device connected via short-range wireless communication by reading and writing information between the integrated circuit read / write unit and the integrated circuit of the communication interface card, The in-vehicle payment apparatus according to claim 2, wherein electronic payment performed with the server is relayed. A card insertion unit for inserting a card equipped with an integrated circuit necessary for electronic payment with the payment server;
An integrated circuit read / write unit that reads / writes information from / to the integrated circuit of the card inserted into the card insertion unit,
The card insertion unit is connected to a communication interface unit for performing short-range wireless communication with a mobile terminal device having a short-range wireless communication unit for performing short-range wireless communication with another mobile communication terminal, and the communication interface unit. A communication interface card having an integrated circuit connected thereto,
The integrated circuit read / write unit reads / writes information from / to the integrated circuit of the communication interface card,
The settlement processing unit is connected to the mobile terminal device via short-range wireless communication by reading and writing information between the integrated circuit read / write unit and the integrated circuit of the communication interface card. The in-vehicle payment apparatus according to claim 2, wherein the electronic payment function performed between the electronic payment function and the payment server is relayed. An in-vehicle payment communication interface card that can be inserted into a card insertion part of an in-vehicle payment apparatus that performs electronic payment with a payment server,
A near field communication control unit for controlling near field communication with a portable terminal device having an electronic payment function unit;
An integrated circuit connected to the short-range wireless communication control unit,
Electronic payment performed between the electronic payment function unit of the mobile terminal device and the payment server by reading and writing information between the integrated circuit and the integrated circuit read / write unit of the on-board payment device An in-car settlement communication interface card characterized in that the in-car settlement apparatus performs relay processing. An in-vehicle payment communication interface card that can be inserted into a card insertion part of an in-vehicle payment apparatus that performs electronic payment with a payment server,
A communication interface unit for communicating with a mobile terminal device having a short-range wireless communication unit for performing short-range wireless communication with other mobile communication terminals;
An integrated circuit connected to the communication interface unit,
The electronic payment function unit of another mobile terminal device that performs near field communication with the mobile terminal device by reading and writing information between the integrated circuit and the integrated circuit read / write unit included in the in-vehicle payment device, An in-car settlement communication interface card, wherein the in-car settlement apparatus relays electronic settlement performed with a settlement server.

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