JP2017174047A - Settlement supporting system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement system which can achieve a settlement more convenient for users by using a portable information terminal.SOLUTION: A portable information terminal 1 includes: a radio wave reception part 11 for sending radio waves including a beacon ID from a beacon terminal 3 in a shop S; an article code receiving part 12 for receiving an input of an article code; and a purchase data sending part 13 for sending the beacon ID in the received radio waves and purchase data including the received article code to a management server 4. The management server 4 includes: a purchase data receiving part 41 for receiving purchase data; and a settlement information sending part 43 for acquiring settlement screen data associated with the beacon ID in the purchase data based on a beacon management table 51 storing the beacon ID and a card form URI related to each other each other, and sending settlement screen data reflecting the settlement price acquired based on the article code to the portable information terminal 1.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a payment support system using a portable information terminal.

  2. Description of the Related Art Conventionally, a payment system using a portable information terminal device owned by a user and an EC (Electronic Commerce) site has been disclosed (for example, Patent Document 1).

JP2015-122009A

The device described in Patent Document 1 uses a portable information terminal device and an EC site by reading a product tag and displaying a QR code at a cash register terminal in a store, and the portable information terminal reading the QR code. To settle.
Since the number of cash register terminals installed in a store is limited, the one described in Patent Document 1 has a problem that when a large number of users (customers) visit the store, the user is kept waiting.

  SUMMARY OF THE INVENTION An object of the present invention is to provide a settlement support system that enables settlement with improved convenience for a user using a portable information terminal.

The present invention solves the above problems by the following means.
A first invention is a settlement support system comprising a radio wave transmitter that transmits a radio wave including transmitter identification information, a portable information terminal that receives the radio wave, and a management server that communicates with the portable information terminal. The portable information terminal includes: a radio wave receiving unit that receives a radio wave including the transmitter identification information from the radio wave transmitter; a purchase target receiving unit that receives an input of purchase target information relating to a purchase target; and the radio wave receiving unit. Information transmitting means for transmitting purchase information including the transmitter identification information included in the radio wave received by the purchase object information and the purchase target information received by the purchase target reception means to the management server, and the management server includes: A transmitter management table for storing the transmitter identification information and payment information used in the payment process in association with each other, and an information reception for receiving the purchase information from the portable information terminal. And payment information corresponding to the transmitter identification information included in the purchase information received by the information receiving means is acquired based on the transmitter management table, and the payment amount acquired based on the purchase information is reflected And a payment information transmitting means for transmitting the payment information to the portable information terminal.
According to a second aspect of the present invention, in the payment support system of the first aspect, the information transmitting unit of the portable information terminal further includes user identification information capable of identifying the portable information terminal or a user of the portable information terminal. The purchase information is transmitted to the management server, and the management server includes a user history table that stores the user identification information and a payment processing history that is a processing content related to payment in association with each other, and the payment of the management server The information transmission means is a payment support system that transmits the payment information reflecting privilege information corresponding to the processing content of the payment acquired based on the user history table.
According to a third aspect of the present invention, in the payment support system of the first or second aspect, the portable information terminal stores at least one payment method information usable for payment, and the payment method table. And a payment method display means for displaying the payment method information stored in the payment information received from the management server so as to be inputable.
4th invention is the payment assistance system of 1st invention or 2nd invention, The said information transmission means of the said portable information terminal is user identification information which can identify the user of the said portable information terminal or the said portable information terminal The purchase information further includes: a payment method table that stores one or more payment method information usable for payment in association with the user identification information; and the payment A payment support system comprising: a payment method transmission means for transmitting the payment method information corresponding to the received user identification information to the portable information terminal with reference to a method table.
According to a fifth aspect of the present invention, in any one of the payment support systems from the first aspect to the fourth aspect, the portable information terminal includes a reading unit that reads tag information from a tag associated with a purchase target. The purchase object accepting unit of the portable information terminal accepts an input of purchase object information by the reading unit reading the tag information, and the management server stores a purchase object management table storing information related to the purchase object information. A payment amount acquisition means is provided that is communicably connected to the purchase target management server and that acquires the payment amount from the purchase target management server by transmitting the purchase target information to the purchase target management server. This is a settlement support system characterized by that.
6th invention is the payment assistance system of 5th invention, The said purchase object management table of the said purchase object management server respond | corresponds the information regarding purchase object information, and the store inventory information containing the stock quantity for every real store The management server stores the number of stocks corresponding to the purchase target information that has undergone payment processing with respect to the purchase target management server in response to the payment processing performed by the payment server. A payment support system comprising update transmission means for transmitting update information for updating.

  ADVANTAGE OF THE INVENTION According to this invention, the payment assistance system in which the payment which improved the convenience of the user using a portable information terminal is possible can be provided.

1 is an overall schematic diagram of a payment system according to the present embodiment. It is a functional block diagram of each apparatus which comprises the payment system which concerns on this embodiment. It is a figure which shows the example of each table memorize | stored in the memory | storage part of the management server which concerns on this embodiment, and the memory | storage part of a goods server. It is a flowchart which shows the main process of the payment system which concerns on this embodiment. It is a flowchart which shows the main process of the payment system which concerns on this embodiment. It is a figure which shows the example of a display with the portable information terminal which concerns on this embodiment. It is a flowchart which shows the payment pre-processing of the payment system which concerns on this embodiment. It is a figure which shows the example of a display with the portable information terminal which concerns on this embodiment. It is a flowchart which shows the payment process of the payment system which concerns on this embodiment. It is a flowchart which shows the post-payment completion process of the payment system which concerns on this embodiment.

DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention will be described with reference to the drawings. This is merely an example, and the technical scope of the present invention is not limited to this.
(Embodiment)
<Overall configuration of payment system 100>
FIG. 1 is an overall schematic diagram of a payment system 100 according to the present embodiment.
FIG. 2 is a functional block diagram of each device constituting the payment system 100 according to the present embodiment.
FIG. 3 is a diagram illustrating an example of each table stored in the storage unit 50 of the management server 4 and the storage unit of the product server 6 according to the present embodiment.

A payment system 100 (including a payment support system) shown in FIG. 1 includes a portable information terminal 1, a beacon terminal 3 (radio wave transmitter), a management server 4, a product server 6 (purchasing target management server), and a payment. And a server 7.
The portable information terminal 1 can be connected to the communication network N via the base station Bs. Further, the portable information terminal 1 can receive radio waves from the beacon terminal 3. The portable information terminal 1, the management server 4, the product server 6, and the settlement server 7 can be connected via the communication network N.

  The settlement system 100 uses a mobile information terminal 1 owned by a user instead of a register at a store S, which is a retail store (for example, a clothing store or a supermarket), to settle a product (purchase target). It is. The store S is not a store in the virtual space, but is a store that actually exists in the city or the like. In one corner of the store S (for example, near the exit), a beacon terminal 3 is installed. And the portable information terminal 1 performs the payment regarding the goods which the user purchased within the range which can receive the electromagnetic wave which the beacon terminal 3 transmits (Hereinafter, the electromagnetic wave which the beacon terminal 3 transmits is also called beacon electric wave).

<Portable information terminal 1>
The mobile information terminal 1 is, for example, a mobile phone or the like having a computer function represented by a smartphone. In addition, the portable information terminal 1 may be a portable terminal such as a tablet terminal.
The portable information terminal 1 can perform short-range wireless communication with the beacon terminal 3 using, for example, Bluetooth (registered trademark). Further, the portable information terminal 1 can communicate with the management server 4 and the settlement server 7 via the wireless communication base station Bs and the communication network N.
Note that the base station Bs performs relaying for communication between the portable information terminal 1 and the management server 4 or the like. The base station Bs is, for example, a wireless LAN (Local Area Network) base station or a base station for a mobile information terminal communication network of a communication carrier.
The communication network N is a network between the management server 4 and the base station Bs, and is an Internet line, a portable information terminal communication network, or the like.

As shown in FIG. 2A, the portable information terminal 1 includes a control unit 10, a storage unit 20, a touch panel display 26, a Bluetooth antenna 27, a reader unit 28 (reading unit), a communication interface unit 29, and the like. Is provided.
The control unit 10 is a central processing unit (CPU) that controls the entire portable information terminal 1. The controller 10 executes various functions in cooperation with the hardware described above by appropriately reading and executing an operating system (OS) and application programs stored in the storage unit 20.
The control unit 10 includes a radio wave reception unit 11 (radio wave reception unit), a product code reception unit 12 (purchase target reception unit), a purchase data transmission unit 13 (information transmission unit), a payment screen output unit 14, and a payment method. An output unit 15 (payment method display means), a payment data transmission unit 16, and a payment completion data transmission unit 17 are provided.

The radio wave receiver 11 receives a beacon radio wave from the beacon terminal 3 via the Bluetooth antenna 27.
The product code receiving unit 12 receives the tag ID (IDentifier) (purchase target information) of the product tag 8 attached to each product that the user intends to purchase via the reader unit 28. The tag ID will be described later.
The purchase data transmission unit 13 includes purchase data including a beacon ID (transmitter identification information) included in the beacon radio wave, a tag ID received by the product code reception unit 12, and a user ID (user identification information) for identifying the user. (Purchase information) is transmitted to the management server 4. The beacon ID will be described later.

The payment screen output unit 14 displays the payment screen data received from the management server 4 on the touch panel display 26.
The payment method output unit 15 displays the payment method data stored in the payment method storage unit 22 on the touch panel display 26. The payment method data will be described later.
The settlement data transmission unit 16 transmits settlement data for performing settlement processing to the settlement server 7.
The settlement completion data transmission unit 17 transmits settlement completion data indicating completion to the management server 4 in response to the completion of settlement with the settlement server 7.

The storage unit 20 is a storage area such as a semiconductor memory element for storing programs, data, and the like necessary for the control unit 10 to execute various processes.
The storage unit 20 includes a program storage unit 21 and a payment method storage unit 22.
The program storage unit 21 is a storage area for storing various programs such as the settlement program 21a.
The settlement program 21a is a program for executing various functions of the control unit 10 of the portable information terminal 1. The payment program 21a is connected to an application distribution server (not shown) via the communication network N, downloaded from the application distribution server, and installed in the portable information terminal 1 in advance. The settlement program 21a stores a user ID. The user ID is identification information for specifying a user who uses the settlement program 21a.

  The payment method storage unit 22 is a storage area for storing payment method data. Here, the payment method refers to a payment service or payment means, for example, payment by credit card, payment by electronic money, payment using points, and the like. The payment method data is data relating to a card or the like used in those payment methods, and is data specifying a credit card or a point card. In the payment method storage unit 22, for example, card information of “A company credit card”, “B company credit card”, and “C company point card”, and their card numbers and expiration dates are stored as data. Yes.

The touch panel display 26 has a function as a display unit configured by a liquid crystal panel or the like and a function as an input unit that detects a touch input by a user's finger or the like.
The Bluetooth antenna 27 can perform near field communication with the beacon terminal 3 based on the Bluetooth standard. The Bluetooth antenna 27 transmits the received beacon radio wave to the radio wave receiving unit 11.
The reader unit 28 is a reading device for reading the product tag 8 attached to the product.
The communication interface unit 29 is an interface unit for communicating with the management server 4 via the base station Bs and the communication network N.
The computer refers to an information processing device including a control unit, a storage device, and the like. The portable information terminal 1 is an information processing device including the control unit 10, the storage unit 20, and the like, and is included in the concept of a computer. .

<Beacon terminal 3>
The beacon terminal 3 is a terminal that transmits radio waves.
As shown in FIG. 2B, the beacon terminal 3 includes a control unit 30, a storage unit 35, and a radio wave transmission unit 37.
The control unit 30 is a CPU that controls the entire beacon terminal 3. The control unit 30 performs various functions in cooperation with the hardware described above by appropriately reading and executing the OS and application programs stored in the storage unit 35.
The storage unit 35 is a storage area such as a semiconductor memory element for storing programs, data, and the like necessary for the control unit 30 to execute various processes. The storage unit 35 stores a beacon ID. The beacon ID is identification information for identifying the beacon terminal 3. That is, the beacon ID can also identify the store S where the beacon terminal 3 is installed.
The radio wave transmission unit 37 transmits a radio wave including a beacon ID under the control of the control unit 30. The radio wave transmitted by the radio wave transmission unit 37 corresponds to, for example, Bluetooth Class 2. For example, if the portable information terminal 1 exists within a radius of 10 m centering on the beacon terminal 3, the portable information terminal 1 can receive the information.

<Management server 4>
The management server 4 is a server for supporting payment that the portable information terminal 1 performs with the payment server 7.
As shown in FIG. 2C, the management server 4 includes a control unit 40, a storage unit 50, and a communication interface unit 59.
The control unit 40 is a CPU that controls the entire management server 4. The control unit 40 executes various functions in cooperation with the hardware described above by appropriately reading and executing the OS and application programs stored in the storage unit 50.
The control unit 40 includes a purchase data reception unit 41 (information reception unit), a payment amount acquisition unit 42 (payment amount acquisition unit), a payment information transmission unit 43 (payment information transmission unit), and a payment completion data reception unit 44. And an update data transmission unit 45 (update transmission means).

The purchase data receiving unit 41 receives purchase data transmitted by the portable information terminal 1.
The settlement amount acquisition unit 42 makes an inquiry to the product server 6 using the tag ID included in the purchase data, and receives the amount of the product corresponding to the tag ID from the product server 6. Then, the payment amount acquisition unit 42 acquires the payment amount from the received amount of the product.
The payment information transmission unit 43 acquires the payment screen data of the store S specified from the beacon ID included in the purchase data based on the beacon management table 51. Then, the payment information transmission unit 43 reflects the purchase amount acquired by the payment amount acquisition unit 42 in the payment screen data and transmits it to the mobile information terminal 1.
The payment completion data receiving unit 44 receives payment completion data from the portable information terminal 1.
The update data transmission unit 45 transmits update data for updating the inventory quantity to the product server 6.
A detailed description of each of these functions will be described later.

The storage unit 50 is a storage area such as a hard disk or a semiconductor memory element for storing programs, data, and the like necessary for the control unit 40 to execute various processes.
The storage unit 50 stores a beacon management table 51 (transmitter management table), a user history table 52, and a privilege table 53.
The beacon management table 51 is a table in which a beacon ID is associated with a URI (Uniform Resource Identifier) (payment information) of a payment form. As shown in FIG. 3A, the beacon management table 51 has items of a beacon ID, a store code, and a form URI. The store code is different for each store S and is a code for specifying the store S. The form URI is a URI indicating settlement screen data. Here, each store S has a different payment method such as a brand that can be used in the store S and the allowable number of payments. Therefore, the form URI is different for each store S by registering for each store S. In this way, the beacon management table 51 is configured to associate the store code with the form URI, so that payment screen data in which a payment method that can be used for each store S can be selected in advance is stored in the portable information terminal. 1 can be output.

  The user history table 52 is a table that stores the history of users who have used the payment system 100. As shown in FIG. 3B, the user history table 52 includes items of a use date, a user ID, a beacon ID, a tag ID, and a payment completion flag. The user ID, beacon ID, and tag ID are acquired from the purchase data received from the portable information terminal 1 and stored before the settlement. The payment completion flag is updated from 0 to 1 when payment completion data is received from the portable information terminal 1 after the payment with the payment server 7 is completed.

The privilege table 53 is a table that stores privilege data (privilege information) corresponding to the number of settlements. For example, if the number of settlements using this mechanism is 5 or more, a discount coupon (privilege data) is presented.
Returning to FIG. 2, the communication interface unit 59 is an interface unit for performing communication with the portable information terminal 1 or the like via the communication network N.

<Product server 6>
Returning to FIG. 1, the product server 6 is a server that is provided in, for example, a company that manages a plurality of stores S of the same series and manages the inventory of products. Although not shown, the product server 6 includes a control unit, a storage unit, a communication interface unit, and the like. The storage unit of the product server 6 includes an inventory management table 61. The stock management table 61 is a table that stores the price, the number of stocks, etc. of the products handled for each store S. As shown in FIG. 3C, the inventory management table 61 has items of store code, tag ID, product name, price, and inventory quantity. With this inventory management table 61, the merchandise server 6 can manage the inventory for each product at each store S, and even the same product can be managed by changing the price for each store S.

<Payment server 7>
Returning to FIG. 1, the settlement server 7 is a server that performs a settlement process with the portable information terminal 1. Although only one settlement server 7 is shown in FIG. 1, each settlement method may be provided as a separate server. Although not shown, the settlement server 7 includes a control unit, a storage unit, a communication interface unit, and the like.

<Product tag 8>
The product tag 8 is attached to each product sold at the store S. The product tag 8 is, for example, an RFID (Radio Frequency IDentification) tag. Although not shown, the product tag 8 includes an IC chip and an antenna, and a tag ID is stored in the IC chip. The tag ID is identification information for identifying the product tag 8. For example, the tag ID may store a JAN (Japan Article Number) code. Note that the tag ID of the product tag 8 is the same for the same product.

<Gate 9>
The gate 9 is an exit of the store S, and is provided at a position where a user who has finished shopping always passes. Then, the gate 9 reads the portable information terminal 1 possessed by the passing user and the commodity tag 8 attached to the commodity, communicates with the management server 4 and confirms whether there is any fraud such as shoplifting of the commodity. Used.

<Processing of Payment System 100>
Next, processing by the payment system 100 will be described.
4 and 5 are flowcharts showing main processing of the payment system 100 according to the present embodiment.
6 and 8 are diagrams showing display examples on the portable information terminal 1 according to the present embodiment.
FIG. 7 is a flowchart showing pre-payment processing of the payment system 100 according to the present embodiment.
FIG. 9 is a flowchart showing a payment process of the payment system 100 according to the present embodiment.
FIG. 10 is a flowchart showing post-payment completion processing of the payment system 100 according to the present embodiment.
As a premise of this processing, the portable information terminal 1 is executing the settlement program 21a. Note that the portable information terminal 1 may execute the settlement program 21a on the condition that a beacon radio wave has been received. At that time, the radio wave reception unit 11 of the portable information terminal 1 is performed by another program (not shown) in the program storage unit 21 of the portable information terminal 1.

In response to the user carrying the portable information terminal 1 shopping at the store S and being within the beacon radio wave reception range of the beacon terminal 3 (the distance from the beacon terminal 3 is within 10 m, for example) In step S (hereinafter referred to as “S”) 10 in FIG. 4, the control unit 10 (radio wave receiving unit 11) of the portable information terminal 1 receives a beacon radio wave. And control part 10 acquires beacon ID contained in a beacon electric wave.
In S11, the control unit 10 causes the touch panel display 26 to display a product input screen 26a as shown in FIG. The product input screen 26a is a screen that prompts the user to read the product tag 8.
In S12, the control unit 10 controls the reader unit 28 so that the product tag 8 can be read.

In S <b> 13, the user brings the product to be purchased closer to the reader unit 28 of the portable information terminal 1. By doing so, the control unit 10 (product code receiving unit 12) receives the tag ID of the product tag 8 attached to the product via the reader unit 28. Here, when the user intends to purchase a plurality of products, the control unit 10 receives a plurality of tag IDs. At that time, the control unit 10 may display the tag ID of the read product, the number of tag IDs, and the like on the product input screen 26a.
In S14, the control unit 10 determines whether or not to end reading. For example, when the user selects the “Next” button displayed on the product input screen 26 a, the control unit 10 determines that the reading is finished. When the reading is finished (S14: YES), the control unit 10 moves the process to S15. On the other hand, when the reading is not finished (S14: NO), the control unit 10 remains in this process.
In S15, the control unit 10 controls the reader unit 28 to make the product tag 8 unreadable.
In S16, the control unit 10 performs pre-settlement processing. Thereafter, the control unit 10 moves the process to S17 of FIG.

Here, the pre-settlement process will be described with reference to FIG.
In S <b> 30 of FIG. 7, the control unit 10 (purchase data transmission unit 13) of the portable information terminal 1 generates purchase data and transmits it to the management server 4. Here, the purchase data includes the tag ID received by reading the product tag 8 in S13 of FIG. 4, the user ID included in the payment program 21a, and the beacon ID included in the beacon radio wave received in S11 of FIG. It is data including.
In S <b> 31, the control unit 40 (purchase data receiving unit 41) of the management server 4 receives purchase data from the portable information terminal 1.
In S32, the control unit 40 updates the user history table 52 based on the received purchase data. Specifically, the control unit 40 sets the reception date as the use date, and adds a record in which the received user ID, beacon ID, and tag ID are reflected in each corresponding item. The settlement completion flag has an initial value of 0. Further, the use date may include not only the date but also time information.

In S33, the control unit 40 performs a privilege check process. The control unit 40 refers to the user history table 52 and extracts data using the user ID included in the received purchase data as a key. Then, the control unit 40 acquires the number of data for which payment has been completed from the extracted data based on the payment completion flag. And the control part 40 checks the presence or absence of the privilege based on the payment completion number with reference to the privilege table 53. FIG. And when there exists an applicable privilege, the control part 40 acquires privilege data from the privilege table 53. FIG.
In S <b> 34, the control unit 40 (payment amount acquisition unit 42) acquires the payment amount by making an inquiry to the product server 6. Specifically, first, the control unit 40 refers to the beacon management table 51 and obtains a store code from the beacon ID. Then, the control unit 40 transmits the store code and the tag ID to the product server 6. In the commodity server 6, the control unit refers to the inventory management table 61, acquires a price corresponding to the tag ID, and transmits the price to the management server 4 in association with the price. The control unit 40 of the management server 4 calculates the payment amount based on the data received from the product server 6.

In S35, the control unit 40 refers to the beacon management table 51 from the beacon ID included in the received purchase data, and acquires payment screen data. The settlement screen data is data specified by the form URI of the beacon management table 51. Then, the control unit 40 reflects the payment amount calculated in S34 on the acquired payment screen data. In addition, when privilege data are obtained by S33, the control part 40 further reflects the privilege data on payment screen data.
In S <b> 36, the control unit 40 (payment information transmission unit 43) transmits the payment screen data processed in S <b> 35 to the portable information terminal 1.
In S37, the control unit 10 (payment screen output unit 14) of the portable information terminal 1 receives the payment screen data and causes the touch panel display 26 to display a payment content screen 26b as shown in FIG. The settlement content screen 26b is a screen on which “shop XA store”, which is information on the store S, and at least the settlement amount of the product to be purchased are reflected and a payment method can be input. Then, the control part 10 complete | finishes this process, and moves a process to FIG.

  Returning to FIG. 5, in S <b> 17, the control unit 10 determines whether or not a payment method display selection has been accepted. When the settlement method display selection is accepted (S17: YES), the control unit 10 moves the process to S18. On the other hand, when the display selection of the payment method is not accepted (S17: NO), the control unit 10 moves the process to S19. Note that the case where the display selection of the settlement method is accepted refers to a case where the “display” button on the settlement content screen 26b (FIG. 6B) is selected. On the other hand, the case where the display selection of the settlement method is not accepted is a case where the “input” button on the settlement content screen 26b (FIG. 6B) is selected. In that case, the control unit 10 displays, for example, a payment method input screen 26c for the user to manually input the payment method on the payment content screen 26b as shown in FIG. 6C.

  In S18, the control unit 10 (payment method output unit 15) displays the payment method selection screen 26d on, for example, the payment content screen 26b. As shown in FIG. 6D, the payment method selection screen 26d displays payment methods that can be used by the user. The control unit 10 extracts a payment method stored in the payment method storage unit 22 and generates a payment method selection screen 26d. At this time, the control unit 10 extracts the payment method stored in the payment method storage unit 22, and then selects only the allowable payment method on the payment content screen 26b to generate the payment method selection screen 26d. May be. The user can reflect the payment method required for the payment process on the payment content screen 26b only by selecting one payment method to be used for payment from the payment method selection screen 26d. FIG. 8A is an example of a payment content screen 26b in which a payment method is reflected. The payment content screen 26b shown in FIG. 8A is the same when the user manually inputs the payment method.

Returning to FIG. 5, in S <b> 19, the control unit 10 determines whether or not the settlement method is determined. When the payment method is determined by manual input of the payment method or by selection of the payment method (S19: YES), the control unit 10 moves the process to S20. On the other hand, when the settlement method has not been determined (S19: NO), the control unit 10 remains in this processing.
In S20, the control unit 10 performs a settlement process.

Here, the settlement process will be described with reference to FIG.
By selecting the “Next” button on the settlement content screen 26b of FIG. 8A, the control unit 10 displays the personal authentication screen 26e shown in FIG. 8B on the touch panel display 26 in S40 of FIG. To display.
In S41, the control unit 10 accepts the authentication code when the user inputs a security code (not shown) printed on the back of the credit card of the company A into the security code input field of the personal authentication screen 26e.
In S42, when the user selects the “settlement” button on the user authentication screen 26e, the control unit 10 (settlement data transmission unit 16) settles the settlement data including the settlement amount, the authentication code, and the settlement method data. It transmits to the server 7.

In S43, the control unit of the payment server 7 receives the payment data.
In S44, the control unit of the settlement server 7 performs settlement data processing. Here, the payment data processing performed by the payment server 7 is processing related to general payment, and thus detailed description thereof is omitted.
In S45, the control unit of the settlement server 7 transmits settlement completion data indicating that the settlement is completed to the portable information terminal 1 in response to the successful completion of the settlement data processing. Thereafter, the control unit of the settlement server 7 ends this process.
In S46, the control unit 10 of the portable information terminal 1 receives the payment completion data. Then, the control part 10 complete | finishes this process, and moves a process to FIG.

Returning to FIG. 5, in S <b> 21, the control unit 10 of the portable information terminal 1 performs post-payment completion processing.
Here, post-payment completion processing will be described with reference to FIG.
In S50 of FIG. 10, the control unit 10 (payment completion data transmission unit 17) of the portable information terminal 1 transmits the payment completion data to the management server 4. Then, the control part 10 complete | finishes this process, and moves a process to FIG.
In S51, the control unit 40 of the management server 4 receives the payment completion data.
In S52, the control unit 40 updates the user history table 52. Specifically, the control unit 40 extracts the corresponding record from the user history table 52 and updates the settlement completion flag from 0 to 1.

In S <b> 53, the control unit 40 (update data transmission unit 45) transmits update data including the store code and the tag ID of the purchased product to the product server 6. Thereafter, the control unit 40 ends this process.
In the merchandise server 6, the number of inventory corresponding to the corresponding store code and tag ID in the inventory management table 61 is updated in response to the control unit receiving the update data. By doing in this way, the goods server 6 can manage the stock quantity of goods for every store S.
Returning to FIG. 5, the control unit 10 of the portable information terminal 1 ends this process.

  With this series of processing, the payment system 100 can perform payment using the portable information terminal 1 possessed by the user without using a register. Therefore, the user can make a payment without being arranged in the register, and the convenience of the user can be improved.

<Processing at Gate 9>
Next, processing when the user leaves the store S after settlement is described.
After leaving the store S after the user has made a purchase and made the above-mentioned settlement, the gate 9 acquires the user ID from the portable information terminal 1 by passing through the gate 9, and the product tag of the purchased product The tag ID is acquired from 8. Then, the acquired user ID and tag ID are transmitted to the management server 4 together with the store code stored in the gate 9.
In the management server 4, the control unit 40 refers to the beacon management table 51 and obtains a beacon ID corresponding to the store code. Next, the control unit 40 refers to the user history table 52, obtains a tag ID corresponding to the beacon ID and the user ID, and collates whether or not the received tag ID matches. Then, the collation result is transmitted to the gate 9.
In the gate 9, if the matching result is a match, the gate 9 is opened so that the user can pass through the gate 9. On the other hand, if the collation result is a mismatch, the gate 9 is controlled so that the user cannot pass through the gate 9 by keeping the gate 9 closed and sounding a buzzer.

  In this way, when making a payment using the payment system 100, for example, even if a malicious user performs shoplifting or reduces the number of illegally purchased products, the gate 9 Can see through fraud.

Thus, according to the settlement system 100 of the present embodiment, the following effects are obtained.
(1) When the mobile information terminal 1 transmits purchase data including a beacon ID and a product code in order to make a payment using the mobile information terminal 1, the management server 4 displays the payment screen data suitable for the store S. It transmits to the portable information terminal 1. By using this mechanism, payment using the portable information terminal 1 can be performed.
In the management server 4, since the beacon management table 51 stores the payment screen data in association with each store S, the payment screen data reflecting only the payment method determined by the store S can be transmitted. Therefore, even if the settlement method is different for each store S, it can be handled.
Moreover, since the portable information terminal 1 can make a payment only when it is within the beacon radio wave reception range, the range of the position where the payment can be made can be limited, and the safety is improved.

(2) A privilege according to the number of times payment is actually performed can be provided to the user. Therefore, it can be a motivation to prompt the user to use the settlement using this mechanism.
(3) Since the portable information terminal 1 stores the payment methods that can be used by the user and can be used by simply selecting the payment method, the user does not have to input manually, and the convenience of the user is improved. To do.
(4) When the reader unit 28 of the portable information terminal 1 reads the item tag 8 attached to the item, the portable information terminal 1 can read the item code, and the user does not need to input manually. Improved convenience. Further, since the amount of the product can be obtained from the product code, the payment amount can be acquired using the product tag 8.
(5) Inventory management for each store S can be performed by using the product code of the product for which payment has been completed.

  As mentioned above, although embodiment of this invention was described, this invention is not limited to embodiment mentioned above. In addition, the effects described in the embodiments are merely a list of the most preferable effects resulting from the present invention, and the effects of the present invention are not limited to those described in the embodiments. In addition, although embodiment mentioned above and the deformation | transformation form mentioned later can also be used in combination as appropriate, detailed description is abbreviate | omitted.

(Deformation)
(1) In this embodiment, although the thing using a beacon terminal was demonstrated, it is not limited to this. Any radio wave transmitter capable of receiving within a certain narrow range may be used. For example, a wireless LAN access point such as Wi-Fi may be used.
(2) In the present embodiment, the payment screen data that is different for each store has been described as being transmitted to the portable information terminal. However, the present invention is not limited to this. Since the settlement screen data is different for each store, different advertisement data can be included for each store.
(3) In the present embodiment, the mobile information terminal has received a beacon radio wave, so that the mobile information terminal can perform a series of payments. However, the present invention is not limited to this. It may be a condition that beacon radio waves can be received before settlement or during settlement processing. By doing so, the position of the portable information terminal can be restricted until payment is completed, and thus the safety is further improved.
(4) In this embodiment, although what used the portable information terminal which a user possesses was demonstrated, it is not limited to this. For example, a portable information terminal such as a tablet that can be freely used by the user may be installed on the store side and used. In such a case, since the portable information terminal can be used not only for payment but also for other purposes, it can be performed at a lower cost than installing a new register and should be versatile. Can do.

(5) In the present embodiment, the payment method data is described as being included in the portable information terminal, but is not limited thereto. The management server may have payment method data for each user.
(6) In the present embodiment, the user authentication in the payment process has been described as using a security code, but the present invention is not limited to this. For example, the personal authentication may be performed by 3D secure or fingerprint authentication.
(7) In the present embodiment, the example in which the user is identified by the user ID has been described as an example, but the present invention is not limited to this. For example, a terminal ID that identifies a portable information terminal may be used.
(8) In the present embodiment, the product code stored in the product tag is read by the reader unit of the portable information terminal. However, the present invention is not limited to this. The reader unit may read a bar code attached to the product or a piece of product code such as a QR code (registered trademark). Further, instead of reading the product code, data manually input by the user via the touch panel display may be accepted.
(9) In the present embodiment, the privilege is given according to the number of settlements, but the present invention is not limited to this. It may be in accordance with the number of products for which payment has been made or in accordance with the number of times payment screen data has been transmitted. In addition, the privilege is an example, and any privilege may be used as long as it gives the user an incentive to use the payment system.

(10) In this embodiment, what uses a beacon ID has been described, and what has a beacon management table in the management server has been described. However, the present invention is not limited to this. The portable information terminal may receive the beacon management table from the management server and have the beacon management table in the portable information terminal. Even in such a case, when the portable information terminal receives a beacon radio wave including a beacon ID, the settlement server receives the payment screen data from the management server by requesting the management server for the form URI corresponding to the beacon ID. it can.
(11) In the present embodiment, the portable information terminal has been described as installing the program by communicating with the application distribution server in advance, but the present invention is not limited to this. For example, a kiox terminal for installing a terminal program may be installed at the entrance of a store, and the communication may be performed by Bluetooth with a portable information terminal.

DESCRIPTION OF SYMBOLS 1 Mobile information terminal 3 Beacon terminal 4 Management server 6 Merchandise server 7 Payment server 8 Commodity tag 9 Gate 10 Control part 11 Radio wave reception part 12 Commodity code reception part 13 Purchase data transmission part 14 Payment screen output part 15 Payment system output part 20 Storage Unit 21a Settlement program 22 Settlement method storage unit 26 Touch panel display 27 Bluetooth antenna 28 Reader unit 30 Control unit 35 Storage unit 37 Radio wave transmission unit 40 Control unit 41 Purchase data reception unit 42 Settlement amount acquisition unit 43 Settlement information transmission unit 45 Update data transmission Unit 50 storage unit 51 beacon management table 52 user history table 61 inventory management table 100 settlement system Bs base station N communication network S store

Claims (6)

A radio transmitter that transmits radio waves including transmitter identification information;
A portable information terminal that receives the radio wave;
A management server for communicating with the portable information terminal;
A payment support system comprising:
The portable information terminal
Radio wave receiving means for receiving a radio wave including the transmitter identification information from the radio wave transmitter;
Purchase target reception means for receiving input of purchase target information regarding the purchase target;
Information transmitting means for transmitting purchase information including the transmitter identification information included in the radio wave received by the radio wave receiving means and the purchase target information received by the purchase target receiving means to the management server;
With
The management server
A transmitter management table for storing the transmitter identification information and the payment information used in the payment process in association with each other;
Information receiving means for receiving the purchase information from the portable information terminal;
The payment information corresponding to the transmitter identification information included in the purchase information received by the information receiving means is acquired based on the transmitter management table, and the payment amount acquired based on the purchase information is reflected. Payment information transmitting means for transmitting payment information to the portable information terminal;
Providing
A payment support system characterized by The settlement support system according to claim 1,
The information transmitting means of the portable information terminal transmits the purchase information further including user identification information capable of identifying the portable information terminal or the user of the portable information terminal to the management server,
The management server includes a user history table that stores the user identification information and a payment processing history that is processing content related to payment in association with each other.
The payment information transmitting means of the management server transmits the payment information reflecting privilege information corresponding to the processing content of the payment acquired based on the user history table;
A payment support system characterized by In the settlement support system according to claim 1 or 2,
The portable information terminal
A payment method table storing one or more payment method information usable for payment;
Payment method display means for displaying the payment method information stored in the payment method table so as to be inputable to the payment information received from the management server;
Providing
A payment support system characterized by In the settlement support system according to claim 1 or 2,
The information transmitting means of the portable information terminal transmits the purchase information further including user identification information capable of identifying the portable information terminal or the user of the portable information terminal to the management server,
The management server
A payment method table that stores one or more payment method information that can be used for payment in association with the user identification information;
With reference to the payment method table, payment method transmission means for transmitting the payment method information corresponding to the received user identification information to the portable information terminal;
Providing
A payment support system characterized by In the settlement support system according to any one of claims 1 to 4,
The portable information terminal includes a reading unit that reads tag information from a tag associated with a purchase target,
The purchase object accepting means of the portable information terminal accepts input of purchase object information by the reading means reading the tag information,
The management server
Connected to a purchase target management server having a purchase target management table for storing information related to the purchase target information.
A payment amount acquisition means for acquiring a payment amount from the purchase target management server by transmitting the purchase target information to the purchase target management server;
A payment support system characterized by In the settlement support system according to claim 5,
The purchase target management table of the purchase target management server stores information relating to purchase target information in association with store inventory information including the number of stocks for each actual store,
The management server provides update information for updating the number of stocks corresponding to the purchase target information that has undergone payment processing to the purchase target management server in response to the payment processing by the payment server being performed. Comprising update transmission means for transmitting,
A payment support system characterized by

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