JP2011198147A - Payment system and payment method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment system and payment method capable of making payment without facing a visitor.SOLUTION: The payment system includes an outdoor terminal 110 installed in a position accessible for any visitor, and a control device 120 for controlling the outdoor terminal 110. The outdoor terminal 110 is provided with an authentication information input unit 111 for inputting authentication information, a billing information input unit 112 for inputting billing information. A control device 120 is provided with an authentication unit 123a for certifying based on the authentication information input by the authentication information input unit 111 and/or on the billing information input by the billing information input unit 112, and a payment unit 123b for making payment based on the billing information input by the billing information input unit 112 when the authentication by the authentication unit 123a succeeds.

Description

  The present invention relates to a payment system and a payment method, and more particularly, to a payment system and a payment method capable of making a payment without facing a visitor.

  Conventionally, intercoms have been used for the purpose of confirming the legitimacy of visitors. Japanese Patent Application Laid-Open No. 2004-228561 discloses a technique for improving the accuracy of authenticating a visitor using face image data obtained by photographing the visitor with a camera.

JP 2009-3805 A

  By the way, when a visit purpose of a visitor requires settlement such as collection of goods or delivery of goods for cash on delivery, conventionally, it has been necessary to perform settlement while facing the visitor. However, even if the legitimacy of a visitor can be confirmed to some extent using the above-described conventional technology, there is anxiety in meeting if the visitor is the first person to meet.

  Also, if you can't make a payment without facing the visitor, even if the visitor is a legitimate person, if the visit is made while you are out or there is something you can't meet, Unable to receive payment and must visit again at another time.

  Under such circumstances, it is an object of the present invention to provide a settlement system and a settlement method that can perform settlement without facing a visitor.

  In order to solve the above-described problems and achieve the object, a settlement system according to the present invention includes an outdoor terminal installed at a location accessible by any visitor, and a control device that controls the outdoor terminal. In the payment system, the outdoor terminal includes an authentication information input unit to which authentication information is input and a billing information input unit to which billing information is input, and the control device is input by the authentication information input unit. An authentication unit that performs authentication based on the authentication information and / or the billing information input in the billing information input unit, and the billing information input in the billing information input unit when the authentication by the authentication unit is successful And a settlement unit for performing settlement.

  The settlement system and the settlement method according to the present invention are a settlement method executed by a settlement system including an outdoor terminal installed at a location accessible by an arbitrary visitor and a control device that controls the outdoor terminal. The outdoor terminal receives authentication information input, the authentication information input step, the outdoor terminal receives billing information input, and the control device is input in the authentication information input step. An authentication step for performing authentication based on the authentication information and / or the billing information input in the billing information input step, and the control device is input in the billing information input step when the authentication in the authentication step is successful. And a settlement process for performing settlement based on the billing information.

  The settlement system and the settlement method according to the present invention have an effect that settlement can be performed without facing a visitor.

FIG. 1 is a diagram illustrating the configuration of the payment system according to the first embodiment. FIG. 2 is a diagram illustrating the operation of the payment system according to the first embodiment. FIG. 3 is a diagram illustrating the configuration of the payment system according to the second embodiment. FIG. 4 is a diagram illustrating an example of permission condition information. FIG. 5 is a diagram illustrating the operation of the payment system according to the second embodiment. FIG. 6 is a diagram illustrating the configuration of the payment system according to the third embodiment. FIG. 7 is a diagram illustrating an example of visit schedule information. FIG. 8 is a diagram illustrating the operation of the payment system according to the third embodiment. FIG. 9 is a diagram illustrating the configuration of the payment system according to the fourth embodiment. FIG. 10 is a diagram illustrating the operation of the payment system according to the fourth embodiment. FIG. 11 is a diagram illustrating the configuration of the payment system according to the fifth embodiment. FIG. 12 is a diagram illustrating the operation of the payment system according to the fifth embodiment. FIG. 13 is a diagram illustrating the configuration of the payment system according to the sixth embodiment. FIG. 14 is a diagram illustrating the operation of the payment system according to the sixth embodiment.

  Hereinafter, embodiments of a settlement system and a settlement method according to the present invention will be described in detail with reference to the drawings. In the following description, an example in which the payment system according to the present invention is used at home will be described. However, the payment system according to the present invention needs to make payment to a visitor like an office or factory. It can also be used in other possible locations. Moreover, in the following description, about the part similar to the already demonstrated part, the code | symbol same as the already demonstrated part is attached | subjected and the overlapping description is abbreviate | omitted.

  First, the configuration of the payment system according to the present embodiment will be described with reference to FIG. As shown in FIG. 1, the settlement system according to the present embodiment includes an outdoor terminal 110 installed at a location accessible by an arbitrary visitor, such as the outside of the entrance, and a control device 120 installed inside the house. Including.

  The outdoor terminal 110 includes an authentication information input unit 111 that acquires authentication information for authenticating a visitor, and a billing information input unit 112 for a visitor to input billing information. The control device 120 includes an input unit 121 for the resident to input instructions and information, a display unit 122 for displaying various information to the resident, and a control unit 123 for overall control of the payment system. The billing information here includes at least a billing amount.

  The control unit 123 includes an authentication unit 123a and a settlement unit 123b. The authentication unit 123a authenticates the legitimacy of the visitor based on the authentication information input from the authentication information input unit 111. The settlement unit 123b performs settlement based on the billing information input from the billing information input unit 112 when the authenticity of the visitor is authenticated by the authentication unit 123a.

  The authentication in the authentication unit 123a is performed by, for example, registering a face image of a person who is recognized as a legitimate visitor and performing face authentication using the registered face image and the visitor face image taken by the authentication information input unit 111. It is realized by. In addition, about the authentication in the authentication part 123a, it is good also as utilizing another system, for example, the system currently disclosed by said patent document 1. FIG. In addition, when the authentication information input unit 111 displays the face image of the visitor photographed on the display unit 122 and presents it to the resident, and the input unit 121 inputs that the authentication is permitted, the authentication is successful. It is good as well. In addition, a response indicating that the authentication is permitted is transmitted to the mobile terminal owned by the resident by, for example, transmitting the face image of the visitor photographed by the authentication information input unit 111 to a pre-registered e-mail address. If there is an error, the authentication may be successful. When the face image of the visitor is presented to the resident, the contents of the billing information input from the billing information input unit 112 may be presented.

  Alternatively, the ID and password input by the authentication information input unit 111 may be compared with the ID and password registered in the control device 120 or in the management device connected to the control device 120 via a network to succeed in authentication. Good. Moreover, it is good also as reading ID from personal belongings, such as a portable terminal and an IC card, and authenticating. Moreover, it is good also as utilizing biometric information, such as fingerprint information and iris information, instead of ID and a password. Moreover, it is good also as utilizing combining these systems. Information for authentication may be registered in the authentication unit 123a in advance.

  The settlement by the settlement unit 123b can be performed via a credit company or a bank, for example. When the settlement is made via the credit company, the settlement unit 123b sends the billing amount included in the billing information to the billing destination included in the billing information input from the billing information input unit 112 to the server device of the credit company. Request via the network. Information such as a credit number required for the request may be acquired in advance via the input unit 121 or a card reader (not shown) and stored in the control device 120, or acquired from the card reader or the like each time payment is executed. May be.

  When the settlement is made via the bank, the settlement unit 123b transfers the billing amount included in the billing information to the account included in the billing information input from the billing information input unit 112 via the network to the bank server device. Ask. Instead of a transfer, you can use a payment system with a debit card. Information such as the account number of the transfer source necessary for the request may be acquired in advance via the input unit 121 or a card reader (not shown) and stored in the control device 120, or each time payment is executed, the card reader Or the like.

  Also, cash or the like is stored inside a box that is fixedly installed at a location accessible to any visitor, such as outside the entrance, and the settlement unit 123b remotely unlocks the key of the box. It is good also as locking and making a visitor acquire internal cash.

  Next, the operation of the settlement system according to the present embodiment when a visitor visits will be described with reference to FIG. The authentication information input unit 111 accepts input of authentication information (step S101), and the billing information input unit 112 accepts input of billing information (step S102). The authentication unit 123a performs authentication based on the input authentication information (step S103). If the authentication is successful (Yes in step S104), the payment unit 123b executes payment based on the input billing information. (Step S105). If the authentication fails (No at Step S104), the settlement is not executed.

  As described above, in this embodiment, since the payment system is configured by combining the means for remotely authenticating the visitor and the means for remotely paying the payment requested by the visitor, the payment charged by the visitor. Can be settled without facing the visitor.

  An example of increasing the security of settlement will be described. First, the configuration of the payment system according to the present embodiment will be described with reference to FIG. As shown in FIG. 3, the settlement system according to the present embodiment includes an outdoor terminal 110 installed at a location accessible by an arbitrary visitor, such as the outside of the entrance, and a control device 220 installed inside the house. Including.

  The controller 220 includes an input unit 121 for the resident to input instructions and information, a display unit 122 for displaying various information to the resident, a control unit 223 for overall control of the payment system, and permission for payment. And a permission condition storage unit 224 that stores permission condition information in which conditions for defining the condition are defined.

  The control unit 223 includes an authentication unit 123a, a permission condition confirmation unit 223b, and a settlement unit 223c. The permission condition confirmation unit 223b confirms whether or not settlement is possible based on the permission condition information stored in the permission condition storage unit 224. The settlement unit 223c receives a request input from the billing information input unit 112 when the authenticity of the visitor is authenticated by the authentication unit 123a and the permission condition confirmation unit 223b confirms that the settlement may be performed. Make a payment based on the information. Note that the settlement implementation method by the settlement unit 223c is the same as the settlement unit 123b described above.

  The confirmation of whether or not settlement is possible by the permission condition confirmation unit 223b will be described in more detail. An example of permission condition information stored in the permission condition storage unit 224 is shown in FIG. As shown in FIG. 4, the permission condition information includes a condition regarding a visit date and time of a visitor such as a date, a day of the week, and a time zone, and a condition regarding a billing content such as an upper limit.

  In the first line of the permission condition information shown in FIG. 4, “*” is set as the date, “Sun” is set as the day of the week, “10: 0 to 15:00” is set as the time zone, and the upper limit amount is set. “¥ 5000” is set. This means that regardless of the date, there is a visitor between 10:00 and 15:00 on Sunday, and payment may be made when there is a request for payment of ¥ 5000 or less.

  In the second line of the permission condition information shown in FIG. 4, “24” is set as the date, “*” is set as the day of the week, “13: 0 to 14:00” is set as the time zone, and the upper limit amount is set. “¥ 3000” is set. This indicates that there is a visitor between 13:00 and 14:00 on the 24th, regardless of the day of the week, and payment may be made if a request for payment of ¥ 3,000 or less is made.

  The permission condition confirmation unit 223b refers to each line of the permission condition information, and the current date and time satisfies the condition regarding the visit date and time, and the content of the billing information input from the billing information input unit 112 satisfies the condition regarding the billing content If there is even one, it is determined that the payment can be made, and if there is no line that satisfies the condition regarding the visit date and time and the condition regarding the billing contents, it is determined that the payment should not be performed.

  The control unit 223 adds, changes, and deletes permission condition information in accordance with instructions input from the input unit 121. A resident or the like who is an administrator of the payment system according to the present embodiment updates the permission condition information based on a known schedule or a visit pattern of the visitor. For example, if a resident specifies a delivery date and time and orders a product by cash on delivery, the time zone before and after the specified delivery date and time is set as a condition related to the visit date and time, and the amount obtained by adding a fee to the price of the product Add the line set as a condition to the permission condition information. In addition, if a pattern of collecting a newspaper fee of ¥ 5000 is visited in advance in the daytime on Sunday, the resident permits information such as the first line of the permission condition information shown in FIG. Add to condition information.

  Note that the permission condition information illustrated in FIG. 4 is an example, and may include other conditions such as information for specifying a visitor, for example. In addition, in order to prevent fraudulent receipt of payment, the permission condition confirmation unit 223b deletes or invalidates the line when it determines that the payment can be made based on the line with the permission condition information. You may make it do.

  Next, the operation of the settlement system according to the present embodiment when a visitor visits will be described with reference to FIG. The authentication information input unit 111 accepts input of authentication information (step S201), and the billing information input unit 112 accepts input of billing information (step S202). The authentication unit 123a performs authentication based on the input authentication information (step S203). When the authentication is successful (Yes in step S204), the permission condition confirmation unit 223b is stored in the permission condition storage unit 224. Whether or not settlement is possible is verified with reference to each line of the condition information (step S205).

  If there is a line that satisfies all the conditions (Yes at Step S206), the settlement unit 223c performs settlement based on the input billing information (Step S207). If the authentication fails (No at Step S204), or if there is no row that satisfies all the conditions (No at Step S206), the settlement is not executed.

  As described above, in the present embodiment, since the administrator of the payment system is configured to be able to define the conditions regarding the date and contents of payment, the security of the payment system can be improved.

  Another example of improving the security of settlement will be described. First, the configuration of the payment system according to the present embodiment will be described with reference to FIG. As shown in FIG. 6, the settlement system according to the present embodiment includes an outdoor terminal 110 installed at a location accessible by an arbitrary visitor such as the outside of the entrance, and a control device 320 installed inside the house. And is connected to the visit schedule management apparatus 31 via the network 10 such as the Internet.

  The control device 320 is notified in advance of an input unit 121 for a resident to input instructions and information, a display unit 122 for displaying various information to the resident, and a control unit 323 for overall control of the payment system. A visit schedule storage unit 325 for storing visit schedule information.

  The control unit 323 includes an authentication unit 123a, a visit schedule confirmation unit 323b, and a settlement unit 323c. The visit schedule confirmation unit 323b confirms whether the current visit has been predicted based on the visit schedule information stored in the visit schedule storage unit 325. When the authenticity of the visitor is authenticated by the authenticating unit 123a and the current visit is confirmed by the visiting schedule confirming unit 323b, the settlement unit 323c receives from the billing information input unit 112. Settlement is executed based on the input billing information. Note that the settlement method by the settlement unit 323c is the same as the settlement unit 123b described above.

  The confirmation of the advance notice by the visit schedule confirmation unit 323b will be described in more detail. An example of the visit schedule information stored in the visit schedule storage unit 325 is shown in FIG. As shown in FIG. 7, the visit schedule information includes information for identifying a transaction such as a transaction ID, feature amount data extracted from the face image data of a visitor or visitor's face image data, and a visit schedule such as a visitor ID. Information specifying a visitor, information specifying a visit date and time of a visitor such as date and time, information specifying a charge content such as a charge amount, and information indicating transaction content.

  In the first line of the scheduled visit information shown in FIG. 7, “aaa” is set as the transaction ID, “xxx” is set as the visitor ID, “February 24” is set as the date, and the time zone is set. “10:00 to 15:00” is set, “¥ 5000” is set as the billing amount, and “ABC shop” is set as the content. This is because a visitor who is identified by the ID “xxx” visits between 10:00 and 15:00 on February 24th for a transaction identified by the ID “aaa” and pays ¥ 5000. This indicates that the transaction is related to “ABC Shop”.

  In the second line of the permission condition information shown in FIG. 7, “bbb” is set as the transaction ID, “yyy” is set as the visitor ID, “February 25” is set as the date, and the time zone is set as “13: 0 to 14:00” is set, “¥ 3000” is set as the billing amount, and “glory shoe store to high heel” is set as the content. This is because a visitor who is identified by the ID “yyy” visits between 13:00 and 14:00 on February 25 for a transaction identified by the ID “bbb” and pays ¥ 3000. The transaction will be billed, indicating that the transaction is related to the “high heels” of the “glory shoe store”.

  These pieces of information are input by using one of the visitor terminals 32 a to 32 n by the visitor or the operator of the organization to which the visitor belongs, and are accumulated in the visit schedule management device 31 via the network 10. Each row of permission condition information at the stage accumulated in the visit schedule management device 31 includes information for specifying a visit destination, and the visit schedule management device 31 visits each row of the permission condition information based on the information. The information is distributed to the previous settlement system and stored in the visit schedule storage unit 325.

  The visit schedule confirmation unit 323b refers to each row of the visit schedule information, and the visitor whose information (for example, the visitor's face image and / or the visitor ID) is currently visited is identified. (For example, a face image photographed by the authentication information input unit 111 and a visitor ID included in the information acquired by the authentication information input unit 111 or the billing information input unit 112) If the current date / time is within the period indicated by the information specifying the visit date / time and the content of the billing information input from the billing information input unit 112 matches the billing content, the current visit is notified If there is no such line, it is determined that the current visit is not foretold.

  The visit schedule information shown in FIG. 7 is an example, and may include other information. For example, an approval flag indicating whether or not a resident who is an administrator of the payment system has approved the payment is included for each line of the scheduled visit information, and if the approval flag is not set, other conditions are satisfied. May not accept payment. The approval flag is set at any time before the visitor visits or when the visitor visits, for example, by a resident who is a manager of the payment system operating the control device 320. Further, by operating the control device 320, a visit schedule change request can be transmitted to the visit schedule management device 31 via the network.

  Further, in the above description, it is determined whether or not the current visit has been foretold based on the visitor ID. However, whether or not the current visit has been foretold based on the transaction ID. It may be determined whether or not. In addition, in order to prevent fraudulent acts of receiving payments repeatedly, if the visit schedule confirmation unit 323b determines that the current visit has been announced based on the line with the visit schedule information, the line is displayed. It may be deleted or invalidated.

  Next, the operation of the settlement system according to the present embodiment when a visitor visits will be described with reference to FIG. The authentication information input unit 111 accepts input of authentication information (step S301), and the billing information input unit 112 accepts input of billing information (step S302). The authentication unit 123a performs authentication based on the input authentication information (step S303). When the authentication is successful (Yes in step S304), the visit schedule confirmation unit 323b stores the visit stored in the visit schedule storage unit 325. It is verified by referring to each line of the schedule information whether the current visit has been announced (step S305).

  If there is a row corresponding to the current visit (Yes at Step S306), the settlement unit 323c performs settlement based on the input billing information (Step S307). If the authentication fails (No at Step S304), or if there is no row corresponding to the current visit (No at Step S306), the settlement is not executed.

  As described above, in this embodiment, since it is configured so that it can be confirmed whether or not the current visit is foretold, the security of the settlement system can be improved. In the present embodiment, the visit schedule management device 31 distributes the visit schedule information to each settlement system. However, each visitor system determines whether or not each settlement system has been notified of the current visit. May be configured to make an inquiry to the visit schedule management device 31.

  An example of settlement using electronic money will be described. This example is an example in which payment is made via an IC card or a mobile terminal in a room charged with electronic money and a mobile terminal for payment held by a visitor. First, the configuration of the payment system according to the present embodiment will be described with reference to FIG. As shown in FIG. 9, the settlement system according to the present embodiment includes an outdoor terminal 410 installed at a location accessible by an arbitrary visitor such as the outside of the entrance, and a control device 420 installed inside the house. Including.

  The outdoor terminal 410 includes an authentication information input unit 111 for acquiring authentication information for authenticating a visitor, a billing information input unit 112 for a visitor to input billing information, and a mobile terminal 41 possessed by the visitor. And a communicable RF antenna 413.

  The control device 420 includes an input unit 121 for the resident to input instructions and information, a display unit 122 for displaying various information to the resident, a control unit 423 for overall control of the payment system, and electronic money. An RF antenna 426 capable of communicating with the IC card 43 used for settlement is provided. The electronic money settled by the IC card 43 may be a prepaid type or a postpay type.

  The control unit 423 includes an authentication unit 123a and a settlement unit 423b. The settlement unit 423b enables payment of electronic money from the IC card 43 to the portable terminal 41 when the authenticity of the visitor is authenticated by the authentication unit 123a. Specifically, in the settlement unit 423b, the signal received by the RF antenna 426 from the IC card 43 is transmitted from the RF antenna 413 to the portable terminal 41, and the signal received by the RF antenna 413 from the portable terminal 41 is changed to the RF antenna 426. By temporarily connecting the RF antenna 413 and the RF antenna 426 so as to be transmitted to the IC card 43, electronic money can be paid.

  In this way, by temporarily connecting the RF antenna 413 and the RF antenna 426, the mobile terminal 41 receives information necessary for settlement from the IC card 43, as in the case where the IC card 43 is close to the mobile terminal 41. Can be obtained, or the settlement result executed through wireless communication with the settlement center 42 that centrally manages electronic money can be notified to the IC card 43. The connection between the RF antenna 413 and the RF antenna 426 may be released after a certain time, or the settlement unit 423b monitors the exchange between the IC card 43 and the portable terminal 41 and transmits / receives information indicating the completion of settlement. It may be performed after the process is performed.

  The IC card 43 may be held by the resident over the RF antenna 413 or may be in a state where signals can be transmitted to and received from the RF antenna 413 at any time, for example, by being inserted into a hole provided in the vicinity of the RF antenna 413. It is good.

  Next, the operation of the payment system according to the present embodiment when a visitor visits will be described with reference to FIG. The authentication information input unit 111 accepts input of authentication information (step S401), and the billing information input unit 112 accepts input of billing information (step S402). The authentication unit 123a performs authentication based on the input authentication information (step S403). When the authentication is successful (Yes in step S404), the settlement unit 423b temporarily connects the RF antenna 413 and the RF antenna 426. To exchange signals (step S405). When the authentication fails (No at Step S404), the RF antenna 413 and the RF antenna 426 are not connected.

  As described above, in this embodiment, when the authentication is successful, the RF antenna 413 and the RF antenna 426 are temporarily connected, so that payment is made with electronic money without facing the visitor. Can do. In this embodiment, the billing information input unit 112 and the RF antenna 413 are separately provided in the outdoor terminal 410. However, the settlement unit 423b also functions as the billing information input unit 112, and the RF antenna 413 is installed. The billing information may be read from the mobile terminal 41 via the mobile phone 41.

  Another example of settlement using electronic money will be described. In this example, electronic money is charged to a mobile terminal held by a visitor. First, the configuration of the payment system according to the present embodiment will be described with reference to FIG. As shown in FIG. 11, the settlement system according to the present embodiment includes an outdoor terminal 510 installed at a location accessible by an arbitrary visitor such as the outside of the entrance, and a control device 520 installed inside the house. And a payment center 52 that centrally manages electronic money via a network 10 such as the Internet.

  The outdoor terminal 510 includes an authentication information input unit 111 for acquiring authentication information for authenticating a visitor, a billing information input unit 112 for a visitor to input billing information, and a mobile terminal 51 possessed by the visitor. And a communication unit 513 capable of communication. The communication between the portable terminal 51 and the communication unit 513 may be a contact type or a non-contact type using radio waves, infrared rays, or the like.

  The control device 520 includes an input unit 121 for the resident to input instructions and information, a display unit 122 for displaying various information to the resident, a control unit 523 for overall control of the payment system, and electronic money. And an electronic money management unit 527 for management.

  The control unit 523 includes an authentication unit 123a and a settlement unit 523b. When the authenticity of the visitor is authenticated by the authentication unit 123a, the settlement unit 523b sends the electronic money corresponding to the amount of charge included in the charge information input from the charge information input unit 112 via the communication unit 513. Then, the electronic money management unit 527 is caused to execute a charging process for the portable terminal 51 and a process for requesting the settlement center 52 to settle the charged electronic money.

  Next, the operation of the settlement system according to the present embodiment when a visitor visits will be described with reference to FIG. The authentication information input unit 111 accepts input of authentication information (step S501), and the billing information input unit 112 accepts input of billing information (step S502). The authentication unit 123a performs authentication based on the input authentication information (step S503). When the authentication is successful (Yes in step S504), the settlement unit 523b charges the electronic money to the portable terminal 51. Then, the electronic money management unit 527 is caused to execute processing for requesting settlement of the electronic money to the settlement center 52 (steps S505 and S506). If the authentication fails (No at step S504), charging of electronic money or the like is not executed.

  In the present embodiment, the billing information input unit 112 and the communication unit 513 are separately provided in the outdoor terminal 510, but the communication unit 513 also serves as the function of the billing information input unit 112 and charges from the portable terminal 51. Information may be read out.

  An example of settlement using a David card or a credit card will be described. First, the configuration of the payment system according to the present embodiment will be described with reference to FIG. As shown in FIG. 13, the settlement system according to the present embodiment includes an outdoor terminal 610 installed at a location accessible by an arbitrary visitor such as the outside of the entrance, and a control device 620 installed inside the house. Including.

  The outdoor terminal 610 includes an authentication information input unit 111 that acquires authentication information for authenticating a visitor, a billing information input unit 112 for a visitor to enter billing information, and a mobile terminal 61 that the visitor possesses. And a communication unit 613 capable of communication. The communication between the portable terminal 61 and the communication unit 613 may be a contact type or a non-contact type using radio waves, infrared rays, or the like.

  The control device 620 uses an input unit 121 for a resident to input instructions and information, a display unit 122 for displaying various types of information to the resident, a control unit 623 for overall control of the payment system, and payment. And a card reader 628 for reading information from a David card or a credit card.

  The control unit 623 includes an authentication unit 123a and a settlement unit 623b. When the authenticity of the visitor is authenticated by the authentication unit 123a, the settlement unit 623b temporarily receives the input unit 121, the display unit 122, the card reader 628, and the mobile terminal 61 via the communication unit 613. To a controllable state.

  Since the input unit 121, the display unit 122, and the card reader 628 can be controlled, the mobile terminal 61 can function as a terminal for settlement using a David card or a credit card. That is, the portable terminal 61 can display an instruction message on the display unit 122, acquire a personal identification number input by the input unit 121, or acquire card information read by the card reader 628. Become. Then, the portable terminal 61 can request settlement by transmitting the acquired personal identification number and card information together with the billing information to the settlement center 62 by wireless communication.

  Note that the personal identification number input by the input unit 121 and the card information read by the card reader 628 are stored in advance in the payment system, instead of the portable terminal 61 being able to control the input unit 121 and the like. When the legitimacy of the visitor is authenticated by the authentication unit 123a, the stored personal identification number or card information may be returned via the communication unit 613 in response to a request from the portable terminal 61.

  Next, the operation of the payment system according to the present embodiment when a visitor visits will be described with reference to FIG. The authentication information input unit 111 accepts input of authentication information (step S601), and the billing information input unit 112 accepts input of billing information (step S602). The authentication unit 123a performs authentication based on the input authentication information (step S603), and when the authentication is successful (Yes in step S604), the settlement unit 623b sends the settlement system to the portable terminal 61 with a personal identification number or The card information is transmitted (step S605). If the authentication fails (No at Step S604), such a state is not set.

  In the present embodiment, the billing information input unit 112 and the communication unit 613 are separately provided in the outdoor terminal 610. However, the communication unit 613 also serves as a function of the billing information input unit 112 from the portable terminal 61. Information may be read out.

  The configuration of the payment system shown in each of the embodiments described above can be variously changed without departing from the gist. Moreover, the structure of the payment system shown in each Example can also be combined arbitrarily. When a package is accompanied by a payment, the package can be delivered by using a post box, a delivery box or by returning to a predetermined place. If stamping is required for delivery of the package, for example, a stamping device as described in JP-A-7-242297 and JP-A-10-099184 may be installed together with the outdoor terminal, and stamping may be permitted in the same manner as permitting payment. .

DESCRIPTION OF SYMBOLS 10 Network 31 Visit schedule management apparatus 32a-32n Visiting trader terminal 41, 51, 61 Mobile terminal 42, 52, 62 Settlement center 43 IC card 110, 410, 510, 610 Outdoor terminal 111 Authentication information input part 112 Claim information input part 120 220, 320, 420, 520, 620 Control device 121 Input unit 122 Display unit 123, 223, 323, 423, 523, 623 Control unit 123a Authentication unit 123b, 223c, 323c, 423b, 523b, 623b Settlement unit 223b Permission conditions Confirmation unit 224 Permission condition storage unit 323b Visit schedule confirmation unit 325 Visit schedule storage unit 413, 426 RF antenna 513, 613 Communication unit 527 Electronic money management unit 628 Card reader

Claims (7)

A settlement system including an outdoor terminal installed at a location accessible by an arbitrary visitor, and a control device that controls the outdoor terminal,
The outdoor terminal is
An authentication information input unit for inputting authentication information;
A billing information input unit for inputting billing information,
The controller is
An authentication unit that performs authentication based on the authentication information input in the authentication information input unit and / or the billing information input in the billing information input unit;
A payment system comprising: a payment unit that performs payment based on the billing information input by the billing information input unit when authentication by the authentication unit is successful.   The payment system according to claim 1, wherein the authentication unit authenticates a visitor by face authentication or biometric authentication.   The payment system according to claim 1, wherein the authentication unit performs authentication based on a transaction identification number.   The settlement system according to claim 1, 2 or 3, wherein the authentication unit performs authentication based on a condition relating to a preset date and time.   The payment system according to any one of claims 1 to 4, wherein the authentication unit performs authentication based on a preset condition relating to a billing amount.   The settlement system according to any one of claims 1 to 5, wherein the authentication unit performs authentication by comparing the authentication information and / or the billing information charge with previously transmitted information. . A payment method executed by a payment system including an outdoor terminal installed at a location accessible by an arbitrary visitor and a control device that controls the outdoor terminal,
An authentication information input step in which the outdoor terminal receives input of authentication information;
A billing information input step in which the outdoor terminal receives billing information;
An authentication step in which the control device performs authentication based on the authentication information input in the authentication information input step and / or the billing information input in the billing information input step;
A settlement method comprising: a settlement step in which the control device performs settlement based on the billing information input in the billing information input step when the authentication in the authentication step is successful.

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