JP2014167753A - Portable terminal, payment reception terminal, and server for payment - Google Patents

Abstract

PROBLEM TO BE SOLVED: To eliminate the need to hand a user's terminal over to somebody for an electronic payment by the user's terminal, and to prevent somebody from making electronic payments by the user's terminal freely.SOLUTION: A portable terminal (10b) transmits a payment ID (30b) of the terminal to another terminal (10a), and transmits a condition set indicative of use conditions of electronic payment by the portable terminal to a server (600) for payment.

Description

  The present invention relates to a portable terminal having an electronic payment function, a payment acceptance terminal that accepts an electronic payment by the portable terminal, and a payment server that performs an electronic payment process.

  In recent years, mobile terminals such as mobile phones and smartphones having functions of electronic payment and non-contact IC cards are known. The portable terminal is installed in a store, a station, or the like, and can perform electronic payment via contactless communication such as a cash register terminal that accepts electronic payment and a POS (Point-Of-Sale) terminal via contactless communication. Specifically, the portable terminal stores electronic payment information for performing the electronic payment, and performs electronic payment by exchanging the electronic payment information with the payment receiving terminal.

  Here, as inventions for exchanging information stored in an IC card or the like, inventions according to Patent Documents 1 and 2 are disclosed. Patent Document 1 describes an invention that enables a service providing application in an IC card to be used by a plurality of business operators. Patent Document 2 describes an invention for authenticating stored value card data between a user and a central processor.

Japanese Unexamined Patent Publication No. 2004-102784 (published on April 02, 2004) JP 2010-182320 A (published on August 19, 2010)

  For example, when an acquaintance requests shopping, an acquaintance often receives a payment in advance. In addition, when a plurality of people eat and drink at a restaurant, the secretary often receives a price from a person other than himself and collects the received price and his / her own price as a food and drink fee.

However, if you try to do these things using the electronic payment function of your mobile device,
It is necessary to receive a portable terminal from a person other than the acquaintance or the secretary. In this case, a person other than the acquaintance or the secretary cannot use his / her portable terminal until settlement is completed, and convenience is impaired. Furthermore, it is problematic from the viewpoint of privacy and security to transfer own mobile terminals storing personal information to others. That is, personal information may leak from its own mobile terminal, and electronic payment using its own mobile terminal may be performed without restriction.

  The present invention has been made in view of the above-described problems, and the purpose thereof is not to pass the terminal to the other party for electronic payment of the terminal, and the electronic payment of the terminal is performed by the other party. An object of the present invention is to provide a portable terminal or the like that can prevent an unlimited operation.

  A portable terminal according to an aspect of the present invention transmits a payment information of its own terminal to a payment reception terminal that receives an electronic payment via non-contact communication, and is connected to the payment reception terminal so as to be communicable. In order to solve the above-mentioned problem, a mobile unit that performs electronic payment of its own terminal at a server, a storage unit for storing payment information of its own terminal, and for payment of its own terminal stored in the storage unit Transmitting means for transmitting information to another terminal which is a portable terminal other than the own terminal, and the transmitting means transmits condition information indicating use conditions of the payment information of the own terminal to the payment server. It is characterized by doing.

  A mobile terminal according to another aspect of the present invention transmits a payment information of its own terminal to a payment reception terminal that receives an electronic payment via non-contact communication, so that the payment is connected to the payment reception terminal in a communicable manner. In order to solve the above-mentioned problem, a mobile unit that performs electronic payment in a server for the storage, a storage unit that stores information for payment of the terminal itself, and information for payment of another terminal that is a mobile terminal other than the terminal itself And receiving means for receiving the condition information indicating the use conditions of the payment information of the other terminal from the other terminal and storing it in the storage unit, wherein the electronic payment means further includes the storage The payment information of the other terminal and the condition information stored in the section are transmitted to the payment receiving terminal via the non-contact communication.

  A payment acceptance terminal according to still another aspect of the present invention is a payment acceptance terminal that accepts electronic payment in a payment server connected to be communicable by receiving payment information from a mobile terminal via non-contact communication. In order to solve the above-described problem, a receiving unit that receives the payment information and condition information indicating a use condition of the payment information from the mobile terminal via the contactless communication, and the reception And means for transmitting the settlement information and condition information received by the means to the settlement server.

  A settlement server according to another aspect of the present invention is a settlement server that performs electronic settlement based on settlement information received from a mobile terminal, and in order to solve the above problems, the settlement information and the settlement server Within the range of the usage conditions indicated by the condition information received by the receiving means, the receiving means for receiving the condition information indicating the use condition of the information from the portable terminal, and the electronic payment based on the payment information received by the receiving means And an electronic settlement means for performing the above.

  According to one aspect of the present invention, the payment information of the terminal is transmitted from another terminal to the payment reception terminal via non-contact communication, and is transmitted from the payment reception terminal to the payment server. Can be performed by the settlement server. Therefore, there is an effect that it is not necessary to give the terminal to another person for electronic payment of the terminal. Furthermore, electronic payment based on the payment information of the terminal itself can be performed by the payment server within the range of use conditions indicated by the condition information of the terminal itself. Therefore, there is an effect that it is possible to prevent the electronic payment of the own terminal from being performed unlimitedly by another person.

  According to another aspect of the present invention, the payment information of the own terminal and the other terminal is transmitted from the payment accepting terminal to the payment server, and the electronic payment of the own terminal and the other terminal is performed collectively by the payment server. Can be Since this can be performed using its own terminal, there is an effect that it is not necessary to receive another terminal for electronic payment of the other terminal. Further, the condition information of the other terminal is transmitted from the payment acceptance terminal to the payment server, and the electronic payment based on the payment information of the other terminal is performed within the range of use conditions indicated by the condition information of the other terminal. Can be done at Therefore, there is an effect that it is possible to prevent the electronic payment of the other terminal from being performed without limitation using the mobile terminal other than the own terminal, that is, the other terminal. In addition, there is an effect that it is not necessary for the other terminal to directly transmit the condition information of the other terminal to the settlement server via the communication network.

  According to still another aspect of the present invention, electronic payment based on payment information can be performed by a payment server within a range of use conditions indicated by the condition information. Therefore, the portable terminal has an effect that it is not necessary to directly transmit the condition information to the settlement server via the communication network.

  According to another aspect of the present invention, there is an effect that it is possible to prevent electronic settlement based on settlement information from being performed without restriction.

1 is a diagram showing a schematic configuration of an electronic settlement system according to an embodiment of the present invention. It is a functional block diagram which shows schematic structure of the portable terminal in the said electronic payment system. It is a functional block diagram which shows schematic structure of the cash register terminal in the said electronic payment system. It is a functional block diagram which shows schematic structure of the server for payments in the said electronic payment system. It is a figure which shows the information transmitted / received by the said electronic payment system in a table format. It is a sequence diagram which shows the flow of the process performed with the said electronic payment system. It is a figure which shows the information transmitted / received in the electronic payment system which concerns on other embodiment of this invention in a table format. It is a sequence diagram which shows the flow of the process performed with the said electronic payment system.

Embodiment 1
Hereinafter, an embodiment of the present invention will be described in detail with reference to FIGS.

[Configuration of Electronic Payment System 1]
FIG. 1 is a diagram showing a schematic configuration of an electronic payment system 1 according to the present embodiment. As shown in the figure, the electronic payment system 1 includes portable terminals 10a to 10c, a cash register terminal 500, and a payment server 600.

  The portable terminals 10a to 10c are portable information processing apparatuses having functions of electronic payment and a non-contact IC card, and are typically mobile phones, smartphones, tablet PCs, and the like. The mobile terminals 10a to 10c store payment IDs 30a to 30c, respectively, as payment information for the terminal to perform electronic payment. In addition, since each portable terminal 10a-10c is provided with a common function, below, when designating without distinguishing any of portable terminal 10a-10c, it only calls the portable terminal 10. FIG. Similarly, the settlement IDs 30a to 30c are simply referred to as settlement ID 30.

  FIG. 1A shows a situation in which the mobile terminals 10b and 10c lend their settlement IDs 30b and 30c to the mobile terminal 10a. As described above, the mobile terminal 10 according to the present embodiment has a function of lending the settlement ID 30 stored in the mobile terminal 10 to another mobile terminal. Further, the mobile terminal 10 has a function of borrowing the settlement ID 30 of another mobile terminal. Therefore, according to the mobile terminal 10 of the present embodiment, by exchanging the payment IDs 30 with each other, it is possible to perform the electronic payment for the other person or to perform the electronic payment for itself. As a result, user convenience is improved. In addition, it is not necessary to give his / her own mobile terminal 10 to another person or to receive his / her own mobile terminal 10.

  As a result of borrowing the settlement IDs 30b and 30c, the mobile terminal 10a holds the settlement IDs 30b and 30c of other terminals in its own terminal in addition to the settlement ID 30a of its own terminal, as shown in FIG. And the portable terminal 10a can implement electronic payment collectively in the cashier terminal 500 using three payment ID30a-30c. Note that the electronic payment processing between the cashier terminal 500 and the payment server 600 may be realized by an existing technology.

  The electronic payment system 1 may include an automatic ticket gate installed at a station instead of the cash register terminal 500 installed at a store or the like. The electronic payment system 1 is assumed to be a server type electronic money payment system, but the present invention may be applied to a prepaid type electronic money payment system that does not include the payment server 600.

[Configuration of mobile terminal 10]
FIG. 2 is a functional block diagram showing a schematic configuration of the mobile terminal 10 (10a) according to the present embodiment. FIG. 2 also shows the mobile terminal 10b, the mobile terminal 10c, the cash register terminal 500, and the settlement server 600 in addition to the mobile terminal 10 (10a).

  As illustrated in FIG. 2, the mobile terminal 10 according to the present embodiment includes a control unit 11, a communication unit 12, a storage unit 13, an operation unit 14, a display unit 15, and a non-contact communication unit 16. Furthermore, although not illustrated, the portable terminal 10 includes various components that are normally provided in a portable terminal such as a smartphone, such as an audio input unit, an audio output unit, a broadcast wave reception unit, and a GPS (Global Positioning System) reception unit. You may have.

  The control unit 11 performs overall control of the mobile terminal 10 and can be configured by, for example, a CPU (Central Processing Unit). The control unit 11 controls each of the communication unit 12, the storage unit 13, the operation unit 14, the display unit 15, and the non-contact communication unit 16. The detailed configuration of the control unit 11 will be described later.

  The communication unit 12 is a communication interface for the mobile terminal 10 (10a) to communicate with other mobile terminals 10b and 10c via a communication network. Examples of the communication interface include IrDA, wireless LAN, and Bluetooth (registered trademark).

  The storage unit 13 is configured by a nonvolatile storage device such as a flash memory, and particularly stores the settlement ID table 60. The settlement ID table 60 includes at least a settlement ID 30a as the settlement ID of the mobile terminal 10 (10a). In addition, the storage unit 13 is an area configured by a volatile storage device such as a RAM (Random Access Memory) as a work area for temporarily storing data in the process of executing various programs by the control unit 11. You may have.

  The operation unit 14 receives an operation of the user of the mobile terminal 10 and is typically a physical key, a keyboard, a touch panel, or the like.

  The display unit 15 includes a flat display panel such as a liquid crystal panel or an organic EL panel, and displays information, images, and the like processed by the mobile terminal 10. The display unit 15 may be configured to serve as the operation unit 14 as a touch panel.

  The non-contact communication unit 16 is a communication interface for the mobile terminal 10 to communicate with the cash register terminal 500. For example, when the mobile terminal 10 is placed on the reader / writer of the cash register terminal 500, the non-contact communication unit 16 transmits / receives various data to / from the cash register terminal 500 by NFC (Near Field Communication).

  Next, the configuration of the control unit 11 will be described in detail. The control unit 11 includes a local terminal ID transmission unit 20, another terminal ID acquisition unit 21, and an electronic payment control unit 22.

  The own terminal ID transmission unit 20 reads the payment ID 30 a of the own terminal from the payment ID table 60 and transmits it to other portable terminals via the communication unit 12. In addition to the payment ID 30a, the own terminal ID transmission unit 20 has a function of transmitting information indicating the conditions for using the payment ID 30a (hereinafter referred to as a condition set 35) to other portable terminals. It has. Details of the condition set 35 will be described later. The own terminal ID transmission unit 20 further receives designation of the type of electronic payment service, an account, and the like via the operation unit 14, reads the settlement ID 30 corresponding to the designation from the storage unit 13, and receives other portable information. You may have the function to transmit to a terminal.

  The other terminal ID acquisition unit 21 receives the settlement ID 30 of another portable terminal via the communication unit 12 and stores it in the settlement ID table 60. Further, the other terminal ID acquisition unit 21 receives a condition set 35 indicating a condition for using the settlement ID 30 from the other portable terminal in addition to the settlement ID 30 of the other portable terminal. Are stored in the settlement ID table 60. In the present embodiment, as shown in FIG. 2, the mobile terminal 10 a receives the settlement IDs 30 b and 30 c and the corresponding condition sets 35 b and 35 c from the mobile terminals 10 b and 10 c in advance and stores them in the settlement ID table 60. Suppose you are.

  Here, the condition set 35 will be described. The condition set 35 is information for restricting the right to use the payment ID 30 when the mobile terminal 10 lends the payment ID 30 to another mobile terminal, and is referred to later by the payment server 600. It is what is done. The mobile terminal 10 can restrict the settlement activity of the loan-destination user by transmitting the condition set 35 together with the settlement ID 30. Thereby, it is possible to prevent the settlement ID 30 from being misused or misused.

  In the present embodiment, it is assumed that the conditions indicated by the condition set 35 are a usage frequency limit and a usage amount limit. In other words, when the number of times the settlement ID 30 has been used up to the present time has reached the above-mentioned number of times of use, or when the amount of payment ID 30 that has been used up to the present time has reached the above-mentioned amount of use limit, the settlement server 600. Invalidates the use ID 30.

  Note that the conditions indicated by the condition set 35 are not limited to the above-mentioned usage frequency limit and the above-mentioned usage amount limit, and may be, for example, a condition that limits the time, store, area, product, etc. in which the settlement ID 30 can be used. .

  The electronic payment control unit 22 controls processing for the mobile terminal 10 to perform electronic payment with the cash register terminal 500. The electronic payment control unit 22 includes at least an ID selection unit 40 and a payment information transmission unit 43. Furthermore, as illustrated, the electronic payment control unit 22 may include a pre-registration unit 41, a final confirmation processing unit 42, a payment result acquisition unit 44, and a payment result notification unit 45.

  The ID selection unit 40 selects one or more IDs out of the settlement IDs 30 a to 30 c based on the user operation received by the operation unit 14. For example, when the settlement ID 30b is selected via the operation unit 14, the ID selection unit 40 notifies the final confirmation processing unit 42 and / or the settlement information transmission unit 43 that the settlement ID 30b has been selected. .

  The pre-registration unit 41 communicates with the settlement server 600 via the communication unit 12 and registers the condition set 35 in the settlement server 600 in advance. The processing content of the pre-registration unit 41 will be described in detail separately in another embodiment.

  The final confirmation processing unit 42 obtains permission to use the settlement ID 30. The processing content of the final confirmation processing unit 42 will also be described separately in another embodiment.

  The payment information transmitting unit 43 is executed when the user of the mobile terminal 10 performs payment at the cash register terminal 500, and the one or more payment IDs 30 selected via the non-contact communication unit 16. And the corresponding condition set 35 is transmitted to the cashier terminal 500. For example, when the settlement ID 30 b is selected by the ID selection unit 40, the settlement information transmission unit 43 reads the condition set 35 b corresponding to the settlement ID 30 b from the settlement ID table 60 and transmits it to the cashier terminal 500.

  The payment result acquisition unit 44 is executed after the payment processing by the cashier terminal 500 and the payment server 600 is completed, and shows an electronic payment result by the selected payment ID 30 via the non-contact communication unit 16. Information (hereinafter referred to as payment result information) is acquired from the cashier terminal 500.

  The settlement result notification unit 45 transmits the settlement result information to the mobile terminals 10b and 10c via the communication unit 12. At this time, the settlement result notifying unit 45 updates the condition set 35 of the selected settlement ID 30 based on the settlement result information. For example, when a settlement is performed, the settlement result notifying unit 45 decreases the number of times limit of the condition set 35 by 1, and reduces the amount of money paid by the amount limit of the condition set 35.

[Configuration of cash register terminal 500]
FIG. 3 is a functional block diagram showing a schematic configuration of the cash register terminal 500 according to the present embodiment. In addition to the cash register terminal 500, the portable terminals 10a to 10c and the settlement server 600 are shown in FIG.

  As illustrated in FIG. 3, the cash register terminal 500 according to the present embodiment includes at least a control unit 501, a non-contact communication unit 502, an operation unit 503, a display unit 504, a storage unit 505, and a communication unit 506. It is. The functions of the operation unit 503 and the display unit 504 are the same as the functions of the operation unit 14 and the display unit 15 of the mobile terminal 10 shown in FIG.

  The control unit 501 controls the entire cashier terminal 500 and can be configured by a CPU or the like, for example. The control unit 501 controls each of the non-contact communication unit 502, the operation unit 503, the display unit 504, the storage unit 505, and the communication unit 506. The detailed configuration of the control unit 501 will be described later.

  The non-contact communication unit 502 is a communication interface for the cashier terminal 500 to communicate with a communication terminal such as the mobile terminal 10, and has a communication function by NFC, for example.

  The storage unit 505 is configured by a non-volatile storage device, and stores settlement information, amount information, and the like. Further, the storage unit 505 may have an area configured by a volatile storage device such as a RAM as a work area for temporarily storing data in the course of execution of various programs by the control unit 501. Good.

  The communication unit 506 is a communication interface for the cashier terminal 500 to communicate with the settlement server 600 via a communication network. Examples of the communication interface include Ethernet (registered trademark).

  Next, the configuration of the control unit 501 will be described in detail. The control unit 501 includes an amount setting unit 510, a payment information acquisition unit 511, a payment related information transmission unit 512, a payment result acquisition unit 513, and a payment result notification unit 514.

  An amount setting unit 510 sets an amount for electronic payment based on a user operation received by the operation unit 503. For example, the price of a product, a food and drink fee, etc. are set as the amount of money. The set amount is transmitted to the settlement related information transmission unit 512.

  The payment information acquisition unit 511 acquires one or more payment IDs 30 and the corresponding condition set 35 transmitted from the mobile terminal 10 (the mobile terminal 10a in FIG. 3) via the non-contact communication unit 502. The acquired settlement ID 30 is transmitted to the settlement related information transmission unit 512.

  The settlement related information transmitting unit 512 transmits settlement related information for requesting the settlement server 600 to perform settlement processing to the settlement server 600 via the communication unit 506. The payment related information includes at least one set of three pieces of information including the payment ID 30 acquired from the mobile terminal 10, the condition set 35 corresponding to the payment ID 30, and the amount set by the amount setting unit 510. . Thereafter, the settlement server 600 performs settlement processing based on the transmitted settlement related information. Therefore, the condition set 35 does not need to be transmitted directly from the mobile terminal 10 to the settlement server 600 via the communication network.

  The settlement result acquisition unit 513 acquires settlement result information indicating the result of the settlement process by the settlement server 600 from the settlement server 600 via the communication unit 506. The settlement result information is information indicating that “500 yen” has been subtracted from the balance of the settlement ID 30, for example. The settlement result information is transmitted to the settlement result notification unit 514.

  The settlement result notification unit 514 transmits the settlement result information to the mobile terminal 10 (the mobile terminal 10a in FIG. 3) via the non-contact communication unit 502.

[Configuration of Payment Server 600]
FIG. 4 is a functional block diagram showing a schematic configuration of the settlement server 600 according to the present embodiment. In FIG. 4, in addition to the settlement server 600, a cash register terminal 500 is also shown.

  As shown in FIG. 4, the settlement server 600 according to the present embodiment includes a control unit 601, a communication unit 602, and a database 603.

  The control unit 601 controls the settlement server 600 as a whole, and can be configured by a CPU or the like, for example. The control unit 601 controls each of the communication unit 602 and the database 603. The detailed configuration of the control unit 601 will be described later.

  The communication unit 602 is a communication interface for the settlement server 600 to communicate with the cash register terminal 500 via the communication network. An example of the communication interface is Ethernet. The communication unit 602 may be configured to be able to communicate with the communication unit 12 of the mobile terminal 10.

  The database 603 stores various data used when the control unit 601 executes processing. Note that the database 603 is usually configured by a nonvolatile storage device. The database 603 particularly stores a settlement information table 630. The settlement information table 630 is a table that stores various types of information for electronic settlement, and includes at least settlement ID 30 and information (hereinafter referred to as a balance) indicating the current balance or usage limit of the settlement ID 30. Is included.

  Next, the configuration of the control unit 601 will be described in detail. The control unit 601 includes at least a payment related information acquisition unit 610, an authentication processing unit 611, a payment condition determination unit 612, a payment information update unit 613, and a payment result transmission unit 614. Further, as illustrated, the control unit 601 may include a pre-registration reception unit 615.

  The payment related information acquisition unit 610 acquires the payment related information from the cashier terminal 500 via the communication unit 602. As described above, the payment-related information includes at least one set of three pieces of information including the payment ID 30, the condition set 35, and the amount.

  The authentication processing unit 611 refers to the payment information table 630 and performs an authentication process for the acquired payment ID 30. Specifically, the authentication processing unit 611, when the acquired payment ID 30 is included in the payment information table 630, the payment ID 30 is a regular ID for using the electronic payment service provided by the payment server 600. It is determined that In the case of a regular ID, the authentication processing unit 611 transmits information indicating that the authentication processing has been successful to the settlement condition determination unit 612. On the other hand, when the acquired settlement ID 30 does not exist in the settlement information table 630, error information indicating that the settlement process has ended in error is transmitted to the settlement result transmission unit 614.

  The payment condition determination unit 612 determines whether or not the condition indicated by the acquired condition set 35 is satisfied when the authentication process for the payment ID 30 is successful. The settlement condition determination unit 612 further includes a number limit determination unit 620 and an amount limit determination unit 621.

  The number-of-times restriction determination unit 620 determines the number of times of use of the settlement ID 30 among the above conditions indicated by the condition set 35. Specifically, the number limit determination unit 620 determines whether or not the total number of uses including the current use of the settlement ID 30 has reached the number limit indicated by the condition set 35.

  The money amount limitation determination unit 621 determines the usage amount limitation of the settlement ID 30 among the above conditions indicated by the condition set 35. Specifically, the amount limit determination unit 621 determines whether or not the total use amount including the current use of the settlement ID 30 has reached the amount limit indicated by the condition set 35.

  When the number limit has been reached, or when the amount limit has been reached, the settlement condition determination unit 612 transmits error information to the settlement result transmission unit 614. On the other hand, when the settlement ID 30 satisfies the number limit and the amount limit, the settlement condition determination unit 612 transmits information indicating that the condition determination has been successful to the settlement information update unit 613. Note that the settlement condition determination unit 612 may use, for example, a usage time limit as a condition in addition to the use frequency limit and the usage amount limit. In this case, a predetermined time (that is, a time limit) is set in the condition set 35 in advance, and the settlement condition determination unit 612 compares the predetermined time with the current time. If the current time has already passed the predetermined time, the settlement condition determination unit 612 transmits error information to the settlement result transmission unit 614.

  When the condition determination is successful, the payment information update unit 613 updates the payment information table 630 based on the payment ID 30 and the amount. Specifically, the payment information update unit 613 reduces the amount from the balance of the payment ID 30 in the payment information table 630. Then, the payment information update unit 613 transmits information indicating that the payment process is successful to the payment result transmission unit 614. However, when the balance of the settlement ID 30 is less than the above amount, the settlement information table 630 is not updated. In this case, the payment information update unit 613 transmits error information to the payment result transmission unit 614.

  When the payment process is successful, the payment result transmission unit 614 generates payment result information including at least information indicating that the payment process is successful via the communication unit 602, and transmits the payment result information to the cashier terminal 500. Alternatively, when error information is transmitted from the authentication processing unit 611, the payment condition determination unit 612, or the payment information update unit 613, the payment result transmission unit 614 generates payment result information including at least the error information, It transmits to the cash register terminal 500.

  The pre-registration reception unit 615 receives pre-registration of the condition set 35 from the pre-registration unit 41 of the mobile terminal 10 via the communication unit 602. Similar to the pre-registration unit 41, the processing content of the pre-registration reception unit 615 will be described separately in another embodiment.

<Modification 1>
In the above-described configuration, the settlement server 600 starts the settlement process for the next set after the settlement process for one set of the settlement ID 30, the condition set 35, and the amount is completed. In this case, after the payment processing for all the pairs is completed, there is a possibility that both a pair for which the payment processing has been successful and a pair in which an error has occurred in the payment processing have occurred. That is, in the payment information table 630, the balance remaining updated in the group in which the payment processing was successful and the balance not updated in the group in which the error occurred are mixed, and the consistency of the payment information table 630 may be impaired. There is sex.

  Therefore, the payment information update unit 613 may be configured to update the payment information only when no error has occurred for all the sets acquired by the payment related information acquisition unit 610. In this case, the payment information update unit 613 does not update the payment information when an error occurs in one of the sets acquired from the cashier terminal 500. Then, the settlement result transmission unit 614 transmits settlement result information including error information to the cashier terminal 500. According to the above configuration, the payment information table 630 is updated at a time when the payment processing for all the payment IDs 30 is successful. Therefore, it is possible to guarantee data consistency in the settlement process.

<Modification 2>
In the above-described modification, if at least one of the plurality of settlement IDs 30 to be settled is insufficient, the settlement process results in an error. At this time, the settlement result transmission unit 614 transmits settlement result information including error information to the mobile terminal 10a via the cash register terminal 500. Upon receiving the error information notification, the user of the mobile terminal 10a requests the lending user to deposit money into the insufficient account, or deposits the insufficient amount into the account of the settlement ID 30a that the user has. Or Then, the user communicates with the cashier terminal 500 again and restarts the payment process. However, there is a concern that the user may feel annoyed with the series of operations described above.

  Accordingly, the settlement server 600 uses an account of another settlement ID 30 (for example, the settlement ID 30c) when the balance of the settlement ID 30 (for example, the settlement ID 30b) to be processed is insufficient. In addition, it may have a function of changing the price of the shortage. According to said structure, a user's effort when an error generate | occur | produces is reduced significantly.

  Note that the settlement server 600 requests the user's mobile terminal 10 that is the subject of reimbursement for permission for the user to reimburse and pay for another user, and performs reimbursement when the permission is obtained. It may be configured to.

[Processing flow of electronic payment system 1]
With reference to FIG.5 and FIG.6, the flow of the process in the electronic payment system 1 is demonstrated. FIG. 5 is a diagram showing information transmitted and received in the electronic settlement system 1 in a table format. FIG. 6 is a sequence diagram illustrating an example of a flow of processing executed in the electronic payment system 1.

  In the example of FIG.5 and FIG.6, when three people of the user A who possesses the portable terminal 10a, the user B who possesses the portable terminal 10b, and the user C who possesses the portable terminal 10c pay a food and drink fee in a restaurant, A situation is assumed where the user A pays on behalf of one person.

  First, the users B and C lend the settlement ID 30 of their own terminal to the user A. That is, the own terminal ID transmission unit 20 of the portable terminals 10b and 10c transmits the payment IDs 30b and 30c of the own terminal and the corresponding condition sets 35b and 35c to the portable terminal 10a, respectively (M1 and M2). As a result, part or all of the right for electronic payment is transferred from the mobile terminals 10b and 10c to the mobile terminal 10a. As a result, the settlement ID table 60 of the mobile terminal 10a is updated from (a) in FIG. 5 to (b) in FIG. As shown in the figure, the usage conditions indicated by the condition sets 35b and 35c are both a money amount limit indicating that “2500 yen” can be used and a frequency limit indicating that “only once” can be used. Note that the settlement ID 30a is an ID possessed by the user A and the function can be used “unlimited”, and therefore it is assumed that there is no condition set 35 associated with the settlement ID 30a.

  Here, the user A moves to the cashier terminal 500 for settlement, and pays 500 yen at a time for three users with three IDs to the user who operates the cashier terminal 500 (hereinafter referred to as “clerk”). ". In response to this request, the store clerk operates the cashier terminal 500 to set a state in which payment of “500 yen” is possible with the three settlement IDs 30. Here, the money amount setting unit 510 of the cashier terminal 500 sets “500 yen” as the money amount to be reduced from the balance of the three settlement IDs 30 to be received later (S2).

  On the other hand, the user A operates the mobile terminal 10a to select three IDs used for electronic payment (S1). That is, the ID selection unit 40 of the mobile terminal 10a selects the settlement IDs 30a to 30c, and each ID is set as a valid ID as shown in FIG.

  Subsequently, the settlement information transmitting unit 43 transmits the selected settlement IDs 30a to 30c and the condition sets 35b and 35c to the cash register terminal 500 (M3). The cash register terminal 500 acquires the data shown in FIG. As illustrated, since the condition set 35 corresponding to the settlement ID 30a has not been transmitted, the number of times limit and the amount limit of the settlement ID 30a are set to “unlimited”.

  Then, the cashier terminal 500 requests payment processing from the payment server 600 (M4).

  Specifically, first, the payment related information acquisition unit 610 of the payment server 600 receives the first payment related information including the received payment ID 30a and the set amount “500 yen” as the cashier terminal 500. Receive from. Subsequently, the payment related information acquisition unit 610 receives the second payment related information including the payment ID 30b, the condition set 35b, and “500 yen” from the cashier terminal 500. Subsequently, the payment related information acquisition unit 610 receives third payment related information including the payment ID 30 c, the condition set 35 c, and “500 yen” from the cashier terminal 500.

  Then, the settlement server 600 performs an authentication process for the settlement IDs 30a to 30c. When the authentication processing is successful, the settlement server 600, as shown in FIG. 5D, “count limit information” and “amount limit information” of the condition sets 30b and 30c corresponding to the settlement IDs 30a to 30c. , And the amount for “current payment” is stored in the settlement information table 630.

  Subsequently, the settlement server 600 determines the condition sets 35b and 35c. Specifically, the number limit determination unit 620 determines whether or not the number of times limit indicated by the condition sets 35b and 35c remains one or more times, and the amount limit determination unit 621 determines the amount limit indicated by the condition sets 35b and 35c. It is determined whether or not the amount is greater than or equal to the current payment (S3). This time, “2,500 Yen”, which is the amount limit of the condition sets 35 b and 35 c, is equal to or more than “500 Yen” which is the amount set in the cash register terminal 500. Further, the number of times of the condition sets 35b and 35c is “one time”. Accordingly, this time is within the limits of the amount limit and the number of times limit, and therefore it is determined Yes in S3.

  Subsequently, the payment information update unit 613 determines whether or not the balance of the payment IDs 30a to 30c is insufficient (S4). If the balance of any of the settlement IDs 30a to 30c is less than “500 yen” that is the amount for the current payment, the settlement process results in an error. Here, it is assumed that the settlement IDs 30a to 30c are each prepaid with 5000 yen (or a usage limit is set) (see (d) in FIG. 5). Accordingly, since the remaining amount “5000 yen” is “500 yen” or more this time, it is determined Yes in S4.

  And the payment information update part 613 updates payment information (S5). That is, the settlement information update unit 613 deducts “500 yen” from “5000 yen” which is the balance of the settlement IDs 30a to 30c. As a result, the settlement information table 630 is updated from (d) of FIG. 5 to (e) of FIG.

  Subsequently, the payment result transmission unit 614 generates information indicating that the payment process has been successful or payment result information including at least error information, and transmits the payment result information to the cashier terminal 500 (M5). Since the payment process is successful this time, information indicating that the payment process is successful is transmitted to the cashier terminal 500. Subsequently, the settlement result notifying unit 514 of the cashier terminal 500 transmits the settlement result information acquired from the settlement server 600 to the mobile terminal 10a (M6).

  The settlement result notification unit 45 of the mobile terminal 10a notifies the settlement result to the other mobile terminals 10b and 10c based on the transmitted settlement result information (M7, M8).

  At this time, the settlement result notifying unit 45 also executes a process for updating the condition set 35. This time, electronic settlement of “500 yen” was performed using the settlement IDs 30b and 30c. Accordingly, the settlement result notifying unit 45 sets “2000 yen”, which is a difference obtained by subtracting “500 yen” from “2500 yen” that is the amount limit of the condition sets 35b and 35c, as each amount limit after the update. Similarly, the number limit “1 time” is decreased to “0 times”. As a result, the settlement ID table 60 of the mobile terminal 10a is updated from (b) in FIG. 5 to (f) in FIG.

  Here, since the limit on the number of settlement IDs 30b and 30c is “0”, the settlement IDs 30b and 30c cannot be used in the mobile terminal 10a thereafter. Therefore, information related to the settlement IDs 30b and 30c is deleted from the settlement ID table 60 and updated from (f) in FIG. 5 to (g) in FIG.

  In the payment server 600, when the authentication process fails, when the balance of the payment IDs 30b and 30c is less than “500 yen” and / or when it is determined that the condition is not satisfied, As you can see, payment processing is not implemented. In this case, the payment result information includes error information indicating that the payment process has failed. The settlement result notifying unit 45 does not update the condition sets 35b and 35c when detecting error information from the settlement result information.

<< Embodiment 2 >>
Hereinafter, another embodiment of the present invention will be described in detail with reference to FIGS. In addition, about the member similar to embodiment mentioned above, the same code | symbol is attached | subjected and the description is abbreviate | omitted.

  In the embodiment described above, the condition sets 35b and 35c of the lending source portable terminals 10b and 10c are transmitted to the lending destination portable terminal 10a together with the settlement IDs 30b and 30c, and then settled via the cash register terminal 500. To the server 600.

  However, although the mobile terminals 10b and 10c can restrict the rights of other terminals by the condition sets 35b and 35c, the rights cannot be revoked or changed after the condition sets 35b and 35c are transmitted.

  Moreover, the amount limitation of the condition sets 35b and 35c is only for limiting the settlement action of the mobile terminal 10a. Therefore, it is not guaranteed that the settlement IDs 30b and 30c can be used up to the upper limit of the amount limit. For this reason, the mobile terminal 10a depends on the current balance of the lent settlement IDs 30b and 30c, and cannot continue to maintain the right for electronic settlement.

  Furthermore, when the condition sets 35b and 35c are transmitted and received, the amount of data transmitted and received between the devices of the mobile terminals 10a, 10b and 10c, the cash register terminal 500, and the settlement server 600 is transmitted and received only for the settlement ID 30. It will be slightly larger than Further, since an existing cash register terminal (POS (Point of Sale) terminal) does not have a function of receiving the condition set 35, the cash register terminal 500 needs to have the function. However, it is not necessary to refer to the condition set 35 for apparatuses other than the settlement server 600. That is, the condition set 35 does not need to be transmitted to the mobile terminal 10a and the cash register terminal 500, and may be transmitted only to the settlement server 600.

  Therefore, the mobile terminal 10 according to the present embodiment includes the pre-registration unit 41 illustrated in FIG. 2 as an essential configuration. Similarly, settlement server 600 includes pre-registration reception unit 615 shown in FIG. 4 as an essential component.

  The pre-registration unit 41 registers the condition set 35 in advance in the payment server 600 (hereinafter referred to as pre-registration) through communication with the payment server 600. Specifically, the pre-registration unit 41 sets the payment ID 30 of the terminal itself, the condition set 35 indicating the conditions for using the payment ID 30, and the portable terminal 10 (or the loan) to which the payment ID 30 is loaned. Identification information for identifying the previous settlement ID 30) is transmitted to the settlement server 600.

  The pre-registration reception unit 615 receives the pre-registration by the mobile terminal 10. Specifically, when the received settlement ID 30 is a regular ID, the pre-registration reception unit 615 stores the received settlement ID 30, the condition set 35, and the identification information in the database 603 in association with each other. Thereby, the advance registration in the settlement server 600 is completed. Then, the condition set 35 acquired by pre-registration is referred to by the settlement condition determination unit 612 during the settlement process, as in the above-described embodiment. As a result, the payment condition determination unit 612 can reliably determine whether the electronic payment corresponding to the payment ID 30 is within the usage condition range indicated by the condition set 35.

  Here, the pre-registration by the pre-registration unit 41 may be executed when the self-terminal ID transmission unit 20 lends the settlement ID 30 of the self-terminal to another terminal, or lends the settlement ID 30 to the other terminal. It may be performed in advance in the stage before the operation. In the latter case, the settlement server 600 further has a function of accepting pre-registration for the second and subsequent times, that is, updating of pre-registration at an arbitrary timing after the pre-registration is accepted once until the settlement processing is completed. You may have. Thereby, the user of the portable terminals 10b and 10c that performed the pre-registration can cancel or change the condition sets 35b and 35c once registered.

  The pre-registration receiving unit 615 may be configured to reduce the amount of money of the received condition set 35 from the balance of the settlement ID 30 when the pre-registration is received. Thereby, the portable terminal 10a can maintain the right for electronic payment, without being influenced by the present balance of the lent settlement IDs 30b and 30c.

  Further, according to the pre-registration unit 41 and the pre-registration reception unit 615, unnecessary exchanges between the devices regarding the condition set 35 are omitted. For this reason, the data amount transmitted / received between each apparatus is reduced. In addition, since the condition sets 35b and 35c do not need to be transmitted to the cashier terminal 500, the cashier terminal 500 only needs to have an existing function that accepts only the settlement ID 30.

  The mobile terminal 10a is configured to obtain pre-registered payment IDs 30b and 30c from the payment server 600 instead of directly receiving the payment IDs 30b and 30c from the mobile terminals 10b and 10c. Also good. That is, transfer of rights for electronic payment is performed via the payment server 600. Thereby, the mobile terminal 10a can borrow the right of electronic payment indirectly, without using direct communication with the mobile terminals 10b and 10c.

[Processing flow of electronic payment system 1]
With reference to FIG.7 and FIG.8, the flow of the process in the electronic payment system 1 which concerns on this embodiment is demonstrated. FIG. 7 is a diagram showing information transmitted and received in the electronic settlement system 1 in a table format. FIG. 8 is a sequence diagram showing an example of the flow of processing executed in the electronic payment system 1. The situation of the users A to C of the mobile terminals 10a to 10c is the same situation as that of the first embodiment, that is, the situation where the user A represents the food and beverage charges on behalf of the restaurant.

  As a premise, the payment server 600 holds the information shown in FIG. 7A as a payment information table 630. That is, the balances of “5000 yen”, “6000 yen”, and “7000 yen” are set in the settlement IDs 30a, 30b, and 30c, respectively. In the following description, it is assumed that a right number for uniquely identifying each payment ID 30 is given. As illustrated, right numbers 1000, 2000, and 3000 are assigned to the settlement IDs 30a, 30b, and 30c, respectively.

  First, users B and C perform pre-registration. That is, the pre-registration unit 41 of the mobile terminal 10b (10c) uses the payment ID 30b (30c) of the own terminal, the condition set 35b (35c), and the identification information for identifying the loaned mobile terminal 10a for payment. It transmits to the server 600 (M11, M12). It is assumed that the condition sets 35b and 35c are both an amount limit indicating that “up to 2500 yen” can be used and a number limit indicating that “only once” can be used.

  As a result, the settlement information table 630 of the settlement server 600 is updated from (a) in FIG. 7 to (b) in FIG. In FIG. 7B, rights numbers 2001 and 3001 are registered as pre-registration of the settlement IDs 30b and 30c, respectively.

  At this time, the balance of the rights numbers 2000 and 3000 also changes. That is, the balance of the right number 2000 is reduced by the amount limit of the right number 2001 to “3500 yen”. Similarly, the balance of the right number 3000 is reduced by the amount limit of the right number 3001 to “4500 yen”.

  As described above, in the illustrated example, the balance of the payment information table 630 is also changed when pre-registration is performed. That is, “2500 yen”, which is the amount limit for settlement IDs 30b and 30c, is transferred to settlement ID 30a. Thereby, the mobile terminal 10a can maintain the right for electronic payment regardless of the current balance of the rented (assigned) payment IDs 30b and 30c. Hereinafter, the settlement IDs 30b and 30c are referred to as transfer source IDs, and the settlement ID 30a is referred to as a transfer destination ID.

  Next, the mobile terminals 10b and 10c transmit right information for electronic payment to the mobile terminal 10a. (M13, M14). As a result, the settlement ID table 60 of the mobile terminal 10a is updated as shown in (c) of FIG. The right information includes at least right numbers 2001 and 3001. However, the right information may further include settlement IDs 30b and 30c and condition sets 35b and 35c, as shown in FIG.

  Note that the above-described pre-registration may be executed with the transmission of the right information of M13 and M14 as a trigger.

  On the other hand, the user A tells the store clerk that “pay 500 yen at a time with three IDs”. The cashier terminal 500 accepts the operation of the store clerk and is set in a state where payment of “500 yen” is possible using the three settlement IDs 30 (S12).

  Then, the portable terminal 10a selects the right number 1000 of the terminal itself and the right numbers 2001 and 3001 received from other terminals (S11), and transmits them to the cash register terminal 500 (M15). As a result, the cashier terminal 500 holds the information shown in (d) of FIG. Then, the cashier terminal 500 transmits the three right numbers and the amount (current payment) to the settlement server 600 (M16). As a result, the settlement information table 630 of the settlement server 600 is updated from (b) of FIG. 7 to (e) of FIG. In FIG. 7E, “500 yen” is entered as “current payment” by the rights numbers 1000, 2001, and 3001, respectively.

  Subsequently, the settlement condition determination unit 612 of the settlement server 600 determines whether the number limit and the amount limit are satisfied, as in FIG. 6 (S13). This time, the acquired amount “500 yen” is less than the amount limit “2500 yen”. In addition, since the number limit is also “one time” or more, it is determined Yes in S13. In the illustrated example, the balance is transferred at the time of prior registration. For this reason, the determination of the balance made in FIG. 6 is unnecessary.

  When it determines with Yes in S13, the payment information update part 613 updates payment information (S14). That is, the payment information update unit 613 reduces “500 yen” from the balance of the payment IDs 30a to 30c, respectively, and reduces the number limit by one time. As a result, the settlement information table 630 of the settlement server 600 is updated from (e) in FIG. 7 to (f) in FIG.

  Here, since the limit on the number of rights numbers 2001 and 3001 is “0”, the information on the rights numbers 2001 and 3001 disappears and is updated as shown in FIG. It should be noted that “2000 yen”, which is the amount restriction for the right numbers 2001 and 3001, is refunded to the right numbers 2000 and 3000 of the settlement IDs 30b and 30c, which are transfer source IDs, respectively (see (g) of FIG. 7).

  Thereafter, the payment server 600 notifies the cashier terminal 500 and the mobile terminals 10a to 10c of the current payment result (M17 to M20). In addition, the mobile terminal 10 a that has received the notification that the number limit is “0” deletes the information regarding the settlement IDs 30 b and 30 c from the settlement ID table 60.

<< Embodiment 3 >>
Hereinafter, other embodiments of the present invention will be described. In addition, about the member similar to embodiment mentioned above, the same code | symbol is attached | subjected and the description is abbreviate | omitted.

  The mobile terminal 10 according to the present embodiment includes the final confirmation processing unit 42 illustrated in FIG. 2 as an essential configuration. The final confirmation processing unit 42 obtains permission to use the settlement ID 30 from the portable terminal 10 that is the lending source of the settlement ID 30 selected by the ID selection unit 40.

  For example, when the settlement ID 30 b is selected by the ID selection unit 40, the final confirmation processing unit 42 pays the settlement ID 30 b to the portable terminal 10 b that is the lending source of the settlement ID 30 b via the communication unit 12. Request permission to pay.

  When use permission is obtained from the mobile terminal 10b, the final confirmation processing unit 42 sets the settlement ID 30b to be valid. Then, the payment information transmitting unit 43 can transmit the payment ID 30 b that is set to be valid to the cashier terminal 500.

  On the other hand, when a use non-permission instruction is transmitted from the mobile terminal 10b, or when a response from the mobile terminal 10b is not obtained for a certain period of time despite the use permission request, the final confirmation processing unit 42 sets the settlement ID 30b to invalid. It should be noted that the payment information transmitting unit 43 cannot transmit the payment ID 30b set to invalid to the cashier terminal 500.

  As described above, according to the final confirmation processing unit 42 according to the present embodiment, the final confirmation for using the settlement ID 30 can be performed on the mobile terminal 10 that is the lending source of the settlement ID 30. Thereby, it is possible to prevent the payment ID 30 from being misused or misused, and to prevent the electronic payment not intended by the user of the lending source mobile terminal 10 from being implemented.

  Note that the communication for the final confirmation processing unit 42 to request permission from the other mobile terminal 10 may be direct communication via Bluetooth (registered trademark) or the Internet, or the settlement server 600. Indirect communication via a network may be used.

<Modification>
As described above, the final confirmation processing unit 42 requests the use permission of the settlement ID 30 to the portable terminal 10 that is the lending source of the settlement ID 30. However, unfortunately, at that timing, there is a possibility that the battery of the lending source mobile terminal 10 will run out. In this case, there is a problem that the lending-source mobile terminal 10 cannot transmit information indicating use permission or non-use permission to the lending-destination mobile terminal 10.

  Therefore, the information indicating use permission or non-use permission may be registered in the settlement server 600 in advance by the pre-registration unit 41 according to the above-described embodiment. In this case, the final confirmation processing unit 42 makes a request for permission to use the settlement ID 30 to the settlement server 600.

  According to the above configuration, the user of the mobile terminal 10 that is the lending source of the settlement ID 30 can cancel the right that has been lent to the other mobile terminal 10 and the use permission of the settlement ID 30 for the settlement ID 30 is used for the settlement in advance. It can be registered in the server 600.

≪Example of implementation by software≫
Control blocks (in particular, the control unit 11, the control unit 501, and the control unit 601) of the mobile terminal 10, the cash register terminal 500, and the settlement server 600 are logic circuits (hardware) formed in an integrated circuit (IC chip) or the like. ) Or by software using a CPU (Central Processing Unit).

  In the latter case, the mobile terminal 10, the cash register terminal 500, and the settlement server 600 can read a program command, which is software that realizes each function, and the computer (or CPU) can read the program and various data. A ROM (Read Only Memory) or a storage device (these are referred to as “recording media”), a RAM (Random Access Memory) in which the above program is expanded, and the like are provided. And the objective of this invention is achieved when a computer (or CPU) reads the said program from the said recording medium and runs it. As the recording medium, a “non-temporary tangible medium” such as a tape, a disk, a card, a semiconductor memory, a programmable logic circuit, or the like can be used. The program may be supplied to the computer via an arbitrary transmission medium (such as a communication network or a broadcast wave) that can transmit the program. The present invention can also be realized in the form of a data signal embedded in a carrier wave in which the program is embodied by electronic transmission.

[Summary]
The portable terminal according to the first aspect of the present invention transmits the payment information of its own terminal to the payment reception terminal that receives electronic payment via non-contact communication, and is connected to the payment reception terminal so as to be communicable. A portable terminal that performs electronic payment of its own terminal in a server, and stores the payment information of its own terminal, and the payment information of its own terminal stored in the storage unit, Transmitting means for transmitting to another terminal which is a terminal, and the transmitting means is configured to transmit condition information indicating use conditions of the payment information of the terminal itself to the payment server.

  According to said structure, the information for payment of an own terminal is transmitted to another terminal. Thereby, the payment information of the terminal is transmitted from the other terminal to the payment reception terminal via non-contact communication, and is transmitted from the payment reception terminal to the payment server. Can be done at Therefore, it is not necessary to give the own terminal to another person for electronic payment of the own terminal, and the convenience of the user of the own terminal is improved. Further, the condition information of the own terminal is transmitted to the settlement server. Thereby, the electronic payment based on the payment information of the terminal itself can be performed by the payment server within the range of use conditions indicated by the condition information of the terminal. Therefore, it is possible to prevent the electronic payment of the terminal itself from being performed by an unlimited number of others.

  The condition information of the terminal itself may be created in advance and stored in the storage unit, or may be created immediately before being transmitted to the settlement server. Also, the condition information of the own terminal may be transmitted directly to the settlement server via a known communication network, or via the other terminal and the settlement accepting terminal in the same manner as the settlement information of the own terminal. Then, it may be transmitted indirectly to the settlement server.

  The mobile terminal according to aspect 2 of the present invention is the mobile terminal according to aspect 1, wherein the transmitting means transmits the condition information of the own terminal via the communication network before transmitting the payment information of the own terminal to the other terminal. It is preferable to transmit to the server for use in advance. In this case, the payment server can reliably determine whether the electronic payment of the terminal using the other terminal is within the range of use conditions indicated by the condition information of the terminal.

  A mobile terminal according to aspect 3 of the present invention transmits a payment information of its own terminal to a payment reception terminal that receives an electronic payment via non-contact communication, and is connected to the payment reception terminal so as to be communicable. A mobile terminal in which electronic payment is performed by a server, a storage unit that stores payment information of the own terminal, payment information of another terminal that is a portable terminal other than the own terminal, and payment information of the other terminal And receiving means for receiving the condition information indicating the use condition of the other terminal from the other terminal and storing it in the storage unit, wherein the electronic payment unit further includes the other terminal stored in the storage unit. The payment information and the condition information are transmitted to the payment acceptance terminal via the contactless communication.

  According to said structure, the information for payment of the own terminal memorize | stored in the memory | storage part is transmitted to the said payment acceptance terminal via non-contact communication. Thereby, the payment information of the terminal itself is transmitted from the payment reception terminal to the payment server, and the electronic payment of the terminal itself can be performed at the payment server.

  Further, the payment information of the other terminal stored in the storage unit is transmitted to the payment acceptance terminal via non-contact communication. Thereby, the payment information of the other terminal is transmitted from the payment acceptance terminal to the payment server, and the electronic payment of the other terminal can be performed by the payment server. Therefore, using the own terminal, the electronic payment of the own terminal and the electronic payment of the other terminal can be collectively performed by the payment server, and it is not necessary to receive the other terminal for the electronic payment of the other terminal.

  Further, the condition information of the other terminal stored in the storage unit is transmitted to the settlement acceptance terminal via non-contact communication. Thereby, the condition information of the other terminal is transmitted from the payment accepting terminal to the payment server, and the electronic payment based on the payment information of the other terminal is performed within the range of use conditions indicated by the condition information of the other terminal. Can be done at the server. Therefore, it is possible to prevent the electronic payment of the other terminal from being performed without limitation using the terminal other than the own terminal, that is, the other terminal. In addition, since the condition information of the other terminal can be transmitted from the other terminal to the settlement server via the own terminal and the settlement acceptance terminal, the other terminal receives the condition information of the other terminal via the communication network. There is no need to send directly to the server.

  A settlement acceptance terminal according to aspect 4 of the present invention is a settlement acceptance terminal that accepts electronic settlement in a settlement server that is communicably connected by receiving settlement information from a mobile terminal via non-contact communication. Receiving means for receiving the payment information and condition information indicating a use condition of the payment information from the portable terminal via the contactless communication; payment information and condition information received by the receiving means Is transmitted to the settlement server.

  According to said structure, the information for payment and condition information received from the portable terminal are transmitted to the server for payment. Thereby, the electronic payment based on the payment information can be performed by the payment server within the range of use conditions indicated by the condition information. Therefore, the portable terminal need not directly transmit the condition information to the settlement server via a communication network.

  The settlement server according to the aspect 5 of the present invention is a settlement server that performs electronic settlement based on the settlement information received from the mobile terminal, the settlement information, and condition information indicating a use condition of the settlement information; Receiving means from the portable terminal, and electronic payment means for performing electronic payment based on the payment information received by the receiving means within the range of use conditions indicated by the condition information received by the receiving means It is.

  According to the above configuration, payment information and condition information are received from the terminal, and electronic payment based on the payment information is performed within the range of use conditions indicated by the condition information. Thereby, it is possible to prevent unlimited electronic payment based on the payment information. The condition information is preferably received simultaneously with or before the payment information is received. The condition information and the payment information may be received through different communication paths.

  Each portable terminal from the first aspect to the third aspect of the present invention may be realized by a computer. In this case, the portable terminal is operated as a unit included in the portable terminal. The control program for the portable terminal realized by the above and a computer-readable recording medium on which the control program is recorded also fall within the scope of the present invention.

  In addition, the settlement acceptance terminal of the above aspect 4 of the present invention may be realized by a computer. In this case, the settlement acceptance terminal is operated by a computer by causing the computer to operate as each means included in the settlement acceptance terminal. A control program for the settlement acceptance terminal to be realized and a computer-readable recording medium on which the control program is recorded also fall within the scope of the present invention.

  Further, the settlement server according to the fifth aspect of the present invention may be realized by a computer. In this case, the settlement server is operated by a computer by causing the computer to operate as each means included in the settlement server. A control program for the settlement acceptance terminal to be realized and a computer-readable recording medium on which the control program is recorded also fall within the scope of the present invention.

  The mobile terminal control method according to aspect 6 of the present invention is connected to the settlement acceptance terminal so as to be communicable by transmitting the settlement information of the own terminal to the settlement acceptance terminal that accepts electronic settlement via non-contact communication. A method for controlling a mobile terminal in which electronic payment of the terminal is performed by the settlement server, wherein the payment information of the terminal stored in the storage unit is transmitted to another terminal that is a mobile terminal other than the terminal The method further includes a transmission step, wherein the transmission step further transmits condition information indicating a use condition of the payment information of the terminal itself to the payment server. According to said method, there can exist an effect similar to the said aspect 1. FIG.

  The mobile terminal control method according to aspect 7 of the present invention is connected to the settlement acceptance terminal so as to be communicable by transmitting the settlement information of the own terminal to the settlement acceptance terminal that accepts electronic settlement via non-contact communication. A method for controlling a portable terminal including an electronic payment step in which electronic payment is performed by a payment server, wherein the payment information of another terminal that is a portable terminal other than the own terminal and the payment information of the other terminal are used. Receiving a condition information indicating a condition from the other terminal and storing the information in a storage unit storing the payment information of the terminal itself. The electronic payment step is further stored in the storage unit. The payment information of the other terminal and the condition information thus transmitted are transmitted to the payment acceptance terminal via the contactless communication. According to said method, there can exist an effect similar to the said aspect 3. FIG.

  The settlement acceptance terminal control method according to aspect 8 of the present invention is a settlement acceptance terminal that accepts electronic settlement in a settlement server that is communicably connected by receiving settlement information from a mobile terminal via non-contact communication. A receiving step for receiving the payment information and condition information indicating a use condition of the payment information from the portable terminal via the non-contact communication; and receiving at the receiving step A transmitting step of transmitting the settled settlement information and condition information to the settlement server. According to said method, there can exist an effect similar to the said aspect 4. FIG.

  A settlement server control method according to an aspect 9 of the present invention is a settlement server control method for performing electronic settlement based on settlement information received from a mobile terminal, wherein the settlement information and use of the settlement information are used. Within the range of usage conditions indicated by the condition information received by the receiving means, the receiving step of receiving condition information indicating conditions from the portable terminal and the electronic payment based on the payment information received in the receiving step. And an electronic payment step to be performed. According to said method, there can exist an effect similar to the said aspect 5. FIG.

  The present invention is not limited to the above-described embodiments, and various modifications are possible within the scope shown in the claims, and embodiments obtained by appropriately combining technical means disclosed in different embodiments. Is also included in the technical scope of the present invention. Furthermore, a new technical feature can be formed by combining the technical means disclosed in each embodiment.

  The present invention can be applied to a mobile terminal having a function of performing electronic payment, and in particular, a smartphone, a tablet PC, a mobile phone, a digital camera, a game machine, an electronic dictionary, an electronic book reader, a PDA (Personal Digital Assistant), and the like. It can be suitably applied to.

1 Electronic payment system 10 (10a, 10b, 10c) Mobile terminal 12 Communication unit 13 Storage unit 16 Non-contact communication unit 20 Own terminal ID transmission unit (transmission means)
21 Other terminal ID acquisition unit (reception means)
22 Electronic payment controller (electronic payment means)
30 (30a, 30b, 30c) Settlement ID
35 (35b, 35c) Condition set (condition information)
60 Payment ID table 500 Cash register terminal (payment acceptance terminal)
502 Non-contact communication unit 510 Amount setting unit 511 Settlement information acquisition unit (reception means)
512 Settlement related information transmission unit (transmission means)
600 server for payment 602 communication unit 610 payment related information acquisition unit (reception means)
612 payment condition determination unit (electronic payment means)
613 Payment information update unit (electronic payment means)
615 Pre-registration reception part (reception means)
630 payment information table

Claims (5)

By transmitting the payment information of the terminal to the payment reception terminal that receives the electronic payment via non-contact communication, the payment server connected to the payment reception terminal so as to be communicable with the payment terminal is used to perform the electronic payment of the terminal. A mobile device,
A storage unit for storing payment information of the terminal itself;
Transmission means for transmitting the payment information of the terminal stored in the storage unit to another terminal which is a mobile terminal other than the terminal,
The transmission means further transmits condition information indicating use conditions of the payment information of the terminal itself to the payment server.   The transmission means transmits the condition information of the terminal itself to the payment server via a communication network before transmitting the payment information of the terminal to the other terminal. The portable terminal as described in. Electronic payment means in which electronic payment is performed at a payment server that is communicably connected to the payment reception terminal by transmitting the payment information of the terminal to the payment reception terminal that receives electronic payment via non-contact communication A mobile terminal equipped with
A storage unit for storing payment information of the terminal itself;
Receiving means for receiving payment information of another terminal which is a portable terminal other than the own terminal and condition information indicating a use condition of the payment information of the other terminal from the other terminal and storing the information in the storage unit; Has
The electronic payment means further transmits the payment information of the other terminal and the condition information stored in the storage unit to the payment acceptance terminal via the contactless communication. A payment accepting terminal that accepts electronic payment in a payment server connected to be communicable by receiving payment information from a mobile terminal via non-contact communication,
Receiving means for receiving, via the non-contact communication, the payment information and condition information indicating a use condition of the payment information from the mobile terminal;
A settlement accepting terminal comprising: a settlement unit that transmits the settlement information and condition information received by the reception unit to the settlement server. A payment server that performs electronic payment based on payment information received from a mobile terminal,
Receiving means for receiving payment information and condition information indicating a use condition of the payment information from the mobile terminal;
A settlement server, comprising: an electronic settlement unit that performs electronic settlement based on settlement information received by the receiving unit within a range of use conditions indicated by the condition information received by the receiving unit.

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