JP2018005844A - Payment control system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To restrict payment on the basis of a local community and/or a shop where a portable terminal is positioned.SOLUTION: A payment control system comprises: a communication part which is configured to receive positional information from a portable terminal, and receive payment data including a payment user identification number from a payment terminal, in which the payment data is generated by reading an IC chip provided on the portable terminal by the payment terminal; a data storage part for storing a use restriction rule in which, for every payment user, a payment restriction at a specific local community, a station of a public transport mode, or a shop is defined; and a control part for reading the use restriction rule from the data storage part, then determining whether or not to restrict payment, based on the read use restriction rule and received positional information. The communication part sends an error response or unprocessed payment response, to the payment terminal, in response to determination that, the payment is restricted, by the control part.SELECTED DRAWING: Figure 3

Description

  The present invention relates to a payment control system using a terminal, and more particularly to a payment control system that controls whether payment is possible based on a region and / or a store where a mobile terminal is located.

  Touch panel terminals such as smartphones and tablet terminals are becoming widespread. In addition, wristwatches having portable information terminal functions and computer devices such as display devices that can be worn on the head are being commercialized. These computer devices are collectively referred to as wearable terminals.

  Recent touch panel terminals are not limited to telephone functions, and due to their operability, commercial transactions and the like are performed more than ever. In addition, wearable terminals can be used while being worn mainly in clothes or watches, as compared with portable and non-mountable computer devices such as smartphones and tablet computers. There are various types of wearable terminals such as a wristwatch type, a glasses type, a ring type, a shoe type, a pocket type, and a pendant type. .

  As one of the main usage methods of the touch panel terminal and the wearable terminal (collectively referred to as “portable terminal”) described above, by using their GPS function, for example, the behavior of a child or an elderly person can be managed by an administrator ( For example, it is possible to monitor by a parent for a child and a child or spouse for an elderly person. What has been described above is realized by periodically transmitting the position of movement of a portable terminal held or worn by a child, an elderly person, or the like to an administrator's portable terminal or the like.

JP 2015-122045 JP 2014-038407 A1

  It is considered that the convenience of people's lives can be further enhanced by providing the above-described mobile terminal with a settlement function. Patent Document 1 discloses a technology that enables a product purchase by card payment using a credit card or a debit card using a mobile terminal. The technology disclosed in Patent Document 1 relates to card payment using a mobile terminal. Compared with this, when a wearable terminal is used for payment, there is an advantage that a child or the like can prevent the wearable terminal that is a payment means from being lost.

  In order for children, elderly people, etc. to make payments using mobile terminals, it is necessary to set certain restrictions by the administrator. For example, by using a debit card and an administrator appropriately managing an account balance, it is possible to prevent a child, an elderly person, or the like from making a high-value payment exceeding the account balance. A debit card is a payment card linked to a deposit account. When payment is made with this card, the price is immediately deducted from the deposit account and can be used within a range not exceeding the account balance.

  However, although a debit card can limit payments over the account balance, it cannot prevent payments in regions and / or stores where minors are not preferred in the first place. By giving the mobile terminal a GPS function and making a payment notification to the mobile terminal held by the administrator every time payment is made, it is possible to grasp where the child / elderly has made the payment. Can not be restricted.

  Patent Document 2 discloses an electronic money management device that can prevent overuse. The technique disclosed in Patent Document 2 compares the cumulative amount of money used from the beginning of the day with the usage limit set on that day, thereby determining whether or not payment processing is possible and preventing overuse.

  Although the technology disclosed in Patent Document 2 can prevent overuse, it is not possible to limit the use of the above-described payment using a mobile terminal based on the region and / or store. .

  The present invention has been made in view of such a problem, and provides a payment control system that limits payment in a payment using a mobile terminal based on a region and / or a store where the mobile terminal is located. There is.

  In order to solve the above problems, a payment control system according to the present invention is a computer system in which a payment server, a portable terminal, and a payment terminal are connected to control payment at a specific store, The server is a communication unit configured to receive position information from the mobile terminal and receive payment data including a payment user identification number from the payment terminal, wherein the payment data is attached to the mobile terminal. So as to store a communication restriction and a use restriction rule that defines a payment restriction at a specific area, public transportation station or store for each payment user, which is generated by the payment terminal reading the processed IC chip. Based on the configured data storage unit and the settlement user identification number, the usage restriction rule is read from the data storage unit, and the read usage restriction rule And a control unit configured to determine whether to limit the settlement based on the received location information, and the communication unit determines that the control unit limits the settlement It is further configured to transmit an error response or an unprocessed response to the payment terminal in response.

  According to the payment control system according to the present invention, while a child or an elderly person makes a payment easily using a mobile terminal, the payment is restricted in an area / store where a minor is not preferable to pay. And the amount of settlement can be limited.

It is a figure which shows the example of the whole structure of the payment control system which concerns on one Embodiment of this invention. It is a figure which shows the example of a detailed structure of the computer device which comprises the payment control system which concerns on one Embodiment of this invention. It is a flowchart which shows the example of the process which the payment control system which concerns on one Embodiment of this invention performs. It is a figure which shows the example of the administrator data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the virtual account data table which concerns on one Embodiment of this invention. It is a figure which shows the example of the use restriction rule registration interface which concerns on one Embodiment of this invention. It is a figure which shows the example of the use restriction rule data table which concerns on one Embodiment of this invention. It is a flowchart which shows the example of the area data table which concerns on one Embodiment of this invention, a station data table, and a member store data table.

<System configuration>
With reference to FIG. 1, the example of the whole structure of the payment control system based on one Embodiment of this invention is demonstrated.

  The payment control system according to the present embodiment includes a payment server 1, a wearable terminal 2, an administrator terminal 3, and a payment terminal 5. The settlement server 1, the wearable terminal 2, and the administrator terminal 3 are connected to each other via a network 6 (a combination of a wireless network using a communication method such as 3G and LTE and a public line such as the Internet). Further, the settlement server 1 and the settlement terminal 5 are connected to each other via the network 6.

  The settlement server 1 provides a service provider (hereinafter referred to as “service business operator”) that provides a service related to the payment control system according to the present embodiment (hereinafter referred to as “settlement service”) or a business partner with the business operator. A computing device that is installed and provides a payment service. The payment server 1 receives payment data from the payment terminal 5 and processes the payment data. The payment server 1 may be implemented by a single computer device or a plurality of computing devices.

  The wearable terminal 2 is a computer device that receives a payment service according to the present invention and is used as a payment means by a person (user) who makes a payment at a member store 4 that is affiliated with a service provider. The payment by the wearable terminal 2 is performed by reading the RFID attached to the wearable terminal 2 by the payment terminal 5 at the member store 4. The wearable terminal 2 has an arbitrary shape that can be worn by the user, such as a wristwatch type, a glasses type, or a ring type, but the shape is not limited. Moreover, the computer device used as a payment means is not limited to a wearable terminal, but also includes mobile terminals such as smartphones and tablet terminals, and the mobile terminal includes a wearable terminal. The member store store means a store of an operator (member store) that sells products and / or provides a service that is a target of the settlement service according to the present embodiment in cooperation with a service operator.

  The administrator terminal 3 is a portable computer device such as a smartphone or a tablet terminal that is used by a person (administrator) who receives the payment service according to the present invention and manages the payment of the user. The administrator terminal 3 communicates with the payment server 1 and the wearable terminal 2, receives payment data from the payment server 1, and transmits a payment restriction rule information message to the wearable terminal 2. The administrator terminal 3 is not limited to a portable computer device, and may be a personal computer device such as a laptop computer.

  The payment terminal 5 is a cash register device that is installed in the store of the member store 4 and used at the member store when the user makes a payment. The payment terminal 5 includes a communication function and an RFID reading function (RFID reader), and reads the RFID from the wearable terminal 2 to generate payment data and transmit the payment data to the payment server 1. The payment data includes at least a user identification number, a member store identification number, and a payment amount.

  The access point 7 is a wireless LAN access point installed in the store of the member store 4, and a beacon signal indicating the location of the store is wearable via a wireless LAN (such as WiFi (Wireless Fidelity: registered trademark)). Transmit to terminal 2 (ie beacon device). In recent years, so-called public wireless LAN spots where wireless LAN access points are installed have increased, and the communication unit 21 of the wearable terminal 2 receives a beacon signal using the public wireless LAN spots. can do.

  Next, with reference to the block diagram of FIG. 2, an example of a detailed configuration of a computer device constituting the settlement control system according to an embodiment of the present invention will be described. The settlement server 1 includes a communication unit 11, a control unit 12, a main storage unit 13, and an auxiliary storage unit 14, and these components are connected via a system bus.

  The communication unit 11 is a network interface that transmits and receives control information and data to / from the wearable terminal 2, the administrator terminal 3, and the payment terminal 5 connected via the network 6.

  The control unit 12 is also called a central processing unit (CPU), and controls each of the above components and calculates data. Further, the control unit 12 reads various programs stored in the auxiliary storage unit 14 for executing various processes according to the present embodiment into the main storage unit 13 and executes them.

  The main storage unit 13, also called a main memory, stores input data received by the settlement server 1, computer-executable instructions, data after arithmetic processing by the instructions, and the like.

  The auxiliary storage unit 14 is a storage device typified by a hard disk (HDD) and the like, and a program (not shown) for causing the control unit 12 to execute various processes according to the present embodiment, map data to be described later, Stores route data. Further, the settlement server 1 is implemented with a DBMS (Database Management System), and stores a database table 14a that stores data such as an administrator data table to be described later.

  The wearable terminal 2 includes a communication unit 21, a control unit 22, a main storage unit 23, an auxiliary storage unit 24, an IC chip 25, and a GPS (Global Positioning System) receiver, and each of those elements is connected via a system bus. Connected.

  The communication unit 21 transmits and receives control information and data between the settlement server 1 and the administrator terminal 3 respectively connected via the network 6.

  The control unit 22 is a central processing unit, executes a wearable terminal execution program (not shown) downloaded from the settlement server 1, and controls the above components and calculates data.

  The main storage unit 23 is also referred to as a main memory, and stores input data, control information, and the like.

  The auxiliary storage unit 24 is a storage device such as a hard disk, and stores a wearable terminal execution program, map data, route data, and the like described later. Further, the wearable terminal 2 is implemented with a DBMS, and stores a database table 24a that stores data such as a use restriction rule data table to be described later.

  The IC chip 25 is a non-contact type integrated circuit in which ID information for authenticating the wearable terminal 2 is embedded and read by the RFID reader of the payment terminal 5. In the ID information, the user identification number of the user wearing the wearable terminal 2 is encoded.

  In the present embodiment, an example in which the RFID chip of the payment terminal 5 reads the IC chip 25 attached to the wearable terminal 2 is shown, but the present invention is not limited to such an example. For example, ID information that can be communicated by the NFC (Near Field Radio Communication) method is encoded in the IC chip 25, and the NFC reader of the payment terminal 5 may read the IC chip 25. Further, instead of the IC chip 25, a barcode (one-dimensional or two-dimensional barcode) encoded with ID information is attached to the wearable terminal 2, and the barcode reader of the payment terminal 5 reads the barcode. It may be.

  The GPS receiver 26 receives GPS signals (position information such as latitude and longitude) from GPS satellites in order to calculate the current position of the wearable terminal 2. When the GPS receiver 26 receives the GPS signal, the GPS signal is transmitted to the control unit 22 to determine the current position of the wearable terminal.

  The administrator terminal 3 includes a communication unit 31, a control unit 32, a main storage unit 33, an auxiliary storage unit 34, and a display unit 35, and these elements are connected via a system bus.

  The communication unit 31 transmits and receives control information and data between the settlement server 1 and the wearable terminal 2 connected via the network 6.

  The control unit 32 is a central processing unit, executes a downloaded manager terminal execution program (not shown), and controls each of the above components and calculates data.

  The main storage unit 33 is also called a main memory, and stores input data, control information, and the like.

  The auxiliary storage unit 34 is a storage device such as a hard disk, and stores an administrator terminal execution program.

  The display unit 35 displays an interface screen for the administrator to operate by executing the administrator terminal execution program.

  The payment terminal 5 is a known cash register device installed in a member store 4 including a supermarket, a convenience store, etc., and detailed description thereof will not be given in this specification. The access point 7 is also a known access point that is installed in a member store and transmits a beacon signal using a communication method such as WiFi, and a detailed description thereof will not be given in this specification.

<Card number registration>
Next, with reference to FIG. 3, a card number registration process necessary for receiving the settlement service according to the present embodiment will be described. In the present embodiment, it is assumed that the manager has a debit card issued from a service provider or a provider affiliated with the service provider.

  First, the administrator downloads the administrator terminal execution program from the settlement server 1 to the administrator terminal 3 held by the administrator. When the administrator terminal execution program is downloaded, the control unit 32 executes the administrator terminal execution program (step S301).

  When the administrator terminal execution program is executed, a card number registration interface screen (not shown) is displayed on the display unit 35. Therefore, the administrator inputs administrator information including his / her name, card number of the debit card held, and account information (such as financial institution number and account number) used in the debit card from the card number registration interface screen. (Step S302).

  When the administrator information is input, the communication unit 31 transmits it as an administrator information message to the settlement server 1 (step S303).

  When the communication unit 11 of the settlement server 1 receives the administrator information message transmitted in step S303, a record is added to the administrator data table (step S304). The administrator data table is a DBMS database table implemented on the settlement server 1, and an example thereof is shown in FIG.

  As shown in FIG. 4, the administrator data table 400 includes an administrator identification number, name, debit card number, and account information, but is not limited to these items, and may include items related to other administrators. . When adding a record in step S304, a unique number for identifying the manager is assigned as the manager identification number.

  An administrator is registered in the settlement server 1 by the processing in steps S301 to S304 described above. In such a state, the administrator needs to open a virtual account that the user uses for payment, and the account opening process is executed in steps after step S305. Note that a virtual account is an account that is used as a settlement-dedicated account when a user makes a settlement, and there are a method in which an account number is assigned for each settlement and a method in which an account number is allocated for each user. Exists. The former is assigned a different account number for each payment, and the latter is assigned the same account number even in different payments. In this embodiment, the latter method is adopted, but the method is not limited.

  Note that the administrator data table 400 may also be implemented in the wearable terminal 2, the communication unit 21 may receive an administrator information message from the administrator terminal 3, and the control unit 22 may add a record to the administrator data table 400. . With this configuration, the administrator data is managed also in the wearable terminal 2.

<Opening a settlement account>
In step S305, a virtual account opening / payment interface (not shown) is displayed on the display unit 35. Therefore, the administrator inputs virtual account opening information including a user name, an available amount, an administrator identification number, and the like (step S305).

  When the virtual account opening information is input, the communication unit 31 transmits to the settlement server 1 as a virtual account opening information message (step S306).

  When the communication unit 11 of the settlement server 1 receives the virtual account opening information message transmitted in step S306, it adds a record to the virtual account data table (step S307). The virtual account data table is a DBMS database table implemented on the settlement server 1, and an example thereof is shown in FIG.

  As shown in FIG. 5, the virtual account data table 500 includes a virtual account number, a user identification number, a user name, an available amount, and an administrator identification number, but is not limited to these items. Items related to virtual accounts may be included. When adding a record in step S307, a virtual account number assigned for each user is set, and a unique number for identifying the user is assigned as a user identification number.

  When a virtual account is opened, the manager can additionally transfer money to the corresponding virtual account by inputting an available amount from the virtual account opening / payment interface at an arbitrary timing thereafter. Specifically, when the administrator inputs the available amount from the virtual account opening / payment interface displayed on the display unit 35 by authenticating with the corresponding virtual account number, the corresponding virtual account number, user name, input A virtual account remittance information message including the available available amount and the administrator identification number is transmitted to the settlement server 1. When the communication unit 11 of the settlement server 1 receives the virtual account remittance information message, the corresponding record in the virtual account data table 500 is updated with the available amount included in the message. The user can make a payment using the wearable terminal 2 within the range of the available amount set in the record of the virtual account data table 500.

  A virtual account is registered in the settlement server 1 by the processes in steps S305 to S307 described above. In such a state, the administrator needs to register a rule that defines that the user's payment is restricted based on a specific region or store, and the use restriction rule registration process is performed after step S308. Executed in steps.

  The wearable terminal 2 also implements the virtual account data table 500, the communication unit 21 receives the virtual account opening information message and the virtual account remittance information message from the administrator terminal 3, and the control unit 22 stores in the administrator data table 400. Records may be added. In this configuration, the wearable terminal 2 also implements a DBMS, and when the user makes a payment, the wearable terminal 2 determines whether or not the payment amount by the user exceeds the balance of the virtual account.

  In addition, the wearable terminal 2 receives the latest information in the virtual account data table 500 from the payment server 1 when the user makes a payment while storing the latest information in the virtual account data table 500 in the payment server 1. You may do it. Even in this configuration, when the user makes a payment, the wearable terminal 2 determines whether or not the payment amount by the user exceeds the balance of the virtual account.

  In the present embodiment, an example is shown in which payment is made through an established virtual account. However, the payment control system according to the present embodiment is not limited to a virtual account, and is a normal account (a real account including ordinary and current accounts). The settlement through the account may be processed or controlled.

<Register usage restriction rules>
In step S308, the usage restriction rule registration interface is displayed on the display unit 35. FIG. 6 shows an example of the usage restriction rule registration interface.

  The use restriction rule registration interface is an input interface for inputting a use restriction rule for defining that the user is limited in settlement for each specific area. On the initial screen (not shown) of the usage restriction rule registration interface, for example, when a target prefecture is selected, a specific city / region or a line / station of a railway organization can be selected in the selected prefecture. it can.

  When defining a use restriction rule for each specific city / region, when the city / region is selected, a city / region selection screen 600a is displayed as shown in FIG. Similarly, when a route / station is selected, a route / station selection screen 600b is displayed.

  On the municipality / region selection screen 600a, it is possible to select a specific municipality or region from among the specific municipalities in the selected prefecture. User payments will be restricted within the selected city / region or within their radius N kilometers. The auxiliary storage unit 14 of the settlement server 1 stores city / region data of the whole country, and the control unit 12 converts the city / region data to the city / region data in response to a request from the administrator terminal 3. Based on this, a city / region list is generated and transmitted to the manager terminal 3, and the list is displayed on the city / region selection screen 600a.

  On the route / station selection screen 600b, a specific route or station can be selected from a specific railway company in the selected prefecture. Within the radius of M kilometers of the selected route / station, the user's payment is restricted. The auxiliary storage unit 14 of the settlement server 1 stores route / station data of railways nationwide, and the control unit 12 responds to a request from the manager terminal 3 based on the route / station data. A route / station list is generated and transmitted to the manager terminal 3, and the list is displayed on the route / station selection screen 600b.

  In addition, the use restriction rule can be defined for each member store that has partnered with the service provider. In the member store selection screen 600c, when a specific municipality / region or a railway line / station of a railway organization is selected, a list of member stores registered in the selected municipality, etc. is displayed, and usage restrictions are selected from these. The target merchant can be selected. As shown at 600c, the genre of the member store can be selected, and the displayed list of member stores is based on the selected genre. It should be noted that nationwide member store data is stored in the auxiliary storage unit 14 of the settlement server 1, and the control unit 12 generates a member store list based on the member store data in response to a request from the administrator terminal 3. It is generated and transmitted to the manager terminal 3, and the list is displayed on the member store selection screen 600c.

  When the usage restriction rule information is input in step S308, the communication unit 31 transmits the usage restriction rule information message to the settlement server 1 as a usage restriction rule information message (step S309). The usage restriction rule information message is selected on the municipality / region selected on the municipality / region selection screen 600a, on the route / station selected on the route / station selection screen 600b, and / or on the member store selection screen 600c. Information indicating a member store, an administrator identification number, and a user identification number. The usage restriction rule information message may be transmitted to the settlement server 1 each time one municipality / region or route / station is selected, and a plurality of selected municipalities / regions or routes / It may be transmitted collectively including the station.

  When the communication unit 11 of the settlement server 1 receives the use restriction rule information message transmitted in step S309, the control unit 12 adds a record to the use restriction rule data table (step S310). The usage restriction rule data table is a DBMS database table implemented on the settlement server 1, and an example thereof is shown in FIG.

  As shown in FIG. 7, the usage restriction rule data table 700 includes an administrator identification number, a user identification number, a restriction type, and a restriction identification value, but is not limited to these items. For example, if the administrator defines a use restriction rule only for a specific city / region in step S308, “1: city / region restriction” is set. Similarly, when the administrator defines the use restriction rule only for a specific route / station, when “2: route / station restriction” is set and the use restriction rule is defined only for a specific member store, “3: Member store restriction” is set. FIG. 7 shows that the same administrator and user are restricted in use for each specific city / region and each specific route / station.

  The restriction identification value is, for example, subject to use restriction when use restriction is made for each specific city / region (when “1: city / region restriction” is set in the restriction type). A value indicating the city / region is set. When the control unit 22 adds a record to the usage restriction rule data table 700, the setting value of the restriction identification value is calculated based on the usage restriction rule information message. A specific example of the setting value will be described with reference to FIG. .

  FIG. 8 shows an area data table 800a, a station data table 800b, and a member store data table 800c. The regional data table 800a, the station data table 800b, and the member store data table 800c are DBMS database tables implemented on the settlement server 1.

  The regional data table 800a includes logical values, and each record has a unique value that is a multiple of 2 starting from 1. (For example, “1” is set for the No. 1 records, “2”, “4”, “8”, and “16” are set for the station data table 800b and the member store data table 800c, respectively.

  For example, in the use restriction rule registration process described with reference to FIG. 3, when the administrator restricts user settlement in Iidabashi and Uchikanda in Chiyoda-ku, Tokyo, A value (9) obtained by adding the logical values set to the record 1 (Iidabashi and No. 4 record (Uchikanda)) is set as the restriction identification value of the corresponding record in the use restriction rule data table 700. Chiyoda When the use is restricted in all areas in the ward, a value obtained by adding the logical values of all the records in the area in Chiyoda ward is set as the restriction identification value, and the station data table 800b and the member store data table 800c are also shown in FIG. Is selected, the value obtained by adding the logical values of the records corresponding to all of the lower layers is set as the restriction identification value.

  No. shown in FIG. Record 1 indicates that payment is restricted in Iidabashi, Iwamotocho, and Uchikanda in Chiyoda-ku, Tokyo (the restriction type is “1: city / regional restriction” and the regional data table). The logical values of the records No. 1 (Iidabashi), 2 (Iwamotocho), and 4 (Uchikanda) of 800a are “1”, “2”, and “8”, respectively, and 11 obtained by adding them is the limit identification. Set to the value).

  In addition, as shown in FIG. Record 2 shows that payment within the prescribed range is restricted from Shinjuku Station, Yoyogi Station, Harajuku Station, and Shibuya Station on the Yamanote Line (the restriction type is “2: Route / Station Restriction”). Yes, the logical values of records No. 1 (Shinjuku Station), 2 (Yoyogi Station), 3 (Harajuku Station), and 4 (Shibuya Station) in the station data table 800b are “1”, “2”, “4”, respectively. ”And“ 8 ”, and 15 obtained by adding them is set as the limit identification value).

  Since the value set in the logical value of each data record in the regional data table 800a is a unique value, for example, when the value set in the restriction identification value is 9, it can be divided into 1 and 8. it can. Therefore, it is possible to specify all the records of the area data table 800a having the respective divided values as logical values, that is, the areas where use is restricted. Specifically, the maximum value of the multiple of 2 closest to the set value is subtracted from the value set as the limit identification value, and the maximum value of the multiple of 2 closest to the value after the subtraction is subtracted. By doing so, it is possible to specify the area corresponding to each record of the area data table 800a having the maximum value of each multiple of 2 as the logical value as the area to be restricted. The same applies to the station data table 800b and the member store data table 800c.

  In addition, the system mentioned above is not limited to the multiple of 2, N may be a multiple of N which is an integer greater than or equal to 2.

  By configuring the restriction identification values of the use restriction rule data table 700 as described above, for example, when restricting settlements in a large number of regions and / or stations, the columns of the use restriction rule data table are subject to restriction. It is possible to prevent an increase depending on the area of the city. That is, the usage restriction rule data table 700 can be simplified.

  The wearable terminal 2 also includes the use restriction rule data table 700, the area data table 800a, the station data table 800b, and the member store data table 800c, and the communication unit 21 receives the use restriction rule information message from the administrator terminal 3. The control unit 22 may add a record to the use restriction rule data table 700. In this configuration, the wearable terminal 2 also implements a DBMS, and when the user makes a payment, the wearable terminal 2 determines whether or not the payment by the user is restricted.

  In addition, the wearable terminal 2 is used when the user performs payment while storing the latest information of the use restriction rule data table 700, the regional data table 800a, the station data table 800b, and the member store data table 800c in the payment server 1. However, you may make it receive the newest information of those data tables from the payment server 1. FIG. Even in this configuration, when the user makes payment, the wearable terminal 2 determines whether or not payment by the user is restricted.

  In the present embodiment, the use restriction rule is defined for the region / member store for which use restriction is performed, but the use restriction rule for the opposite may be defined. In this case, a usage restriction rule is defined for a region and / or a member store where payment by the wearable terminal 2 can be made.

<Payment restrictions>
When the use restriction rule is registered, the user's payment in the corresponding region or member store is restricted. First, normal payment processing will be described.

  When the RFID reader of the payment terminal 5 reads the RFID embedded in the IC chip 25 of the wearable terminal 2, the payment terminal 5 authenticates the wearable terminal 2 (that is, the user identification number that holds the wearable terminal 2, etc.) To get). In reading the RFID, a magnetic field is generated from the RFID reader, the coil inside the wearable terminal 2 receives the magnetism, a current is generated, and the IC chip 25 is activated, whereby data communication with the settlement terminal 5 is performed. . Then, the payment terminal 5 reads a barcode or the like attached to a product to be paid, generates payment data including a member store identification number, a payment amount, a user identification number, etc. Send.

  The communication unit 21 of the wearable terminal 2 transmits the GPS signal (position information such as latitude / longitude) received by the GPS receiver 26 to the settlement server 1. In addition, the communication unit 21 transmits the beacon signal received from the access point 7 (position information such as the latitude and longitude of the store where the user is located) to the settlement server 1.

  When the communication unit 11 of the payment server 1 receives the payment data, the control unit 12 processes the payment data and performs a payment process such as debiting the payment amount from the user's virtual account. Specifically, the control unit 12 acquires the corresponding record from the virtual account data table 500 based on the user identification number included in the payment data, and the payment amount is the available amount of the acquired virtual account data record. It is determined whether the following is true. If the settlement amount is less than or equal to the available amount, transfer data, etc. for debiting the settlement amount from the corresponding virtual account is generated. However, since these processes are conventionally known techniques, No further detailed description will be given in the specification.

  When the user's payment is restricted for each region and / or station, the control unit 12 of the payment server 1 stores the GPS signal position information (latitude / longitude) received from the wearable terminal 2 and the auxiliary storage unit 24. Based on the map data thus obtained, it is determined whether the wearable terminal 2 is located in the corresponding area or the like. If it is determined that the mobile terminal is located in the corresponding area, the transmitted payment data is not processed, and an error response or a payment actual processing response is transmitted to the wearable terminal, the administrator terminal 3 and / or the payment terminal 5.

  Specifically, the control unit 12 acquires the corresponding record from the usage restriction rule data table 700 based on the user identification number included in the payment data, and based on the restriction type and the restriction identification value of the record, With reference to corresponding records in the regional data table 800a and the station data table 800b, it is determined in which region / station the settlement is restricted. Then, it is determined whether the current position of the wearable terminal 2 determined based on the map data is within a predetermined range of the area / station determined as described above.

  The map data described above is digital map data created / approved by the Geographical Survey Institute for determining whether the current position of the wearable terminal 2 is within a predetermined range of the corresponding area / station based on the GPS signal. It is.

  Note that, as described above, whether or not settlement is restricted may be determined in the wearable terminal 2 (the current position is determined based on the GPS signal that the GPS receiver 26 periodically receives). By). In this case, the map data described above is also stored in the auxiliary storage unit 24 of the wearable terminal 2. When the control unit 22 of the wearable terminal 2 determines that the payment is restricted, the control is performed so as to invalidate the activation of the IC chip (that is, the RFID is not read by the payment terminal 5).

  When the user's payment is restricted for each member store, the control unit 22 uses the beacon signal received from the wearable terminal 2 by the control unit 12 of the payment server 1 and the member store data stored in the auxiliary storage unit 24 ( Based on the location information of each member store), it is determined whether the wearable terminal 2 is located in the corresponding member store. The settlement control when it is determined that the store is located in the corresponding member store is the same as described above.

  Specifically, the control unit 12 acquires the corresponding record from the usage restriction rule data table 700 based on the user identification number included in the payment data, and based on the restriction type and the restriction identification value of the record, With reference to the corresponding record in the member store data table 800c, it is determined which member store has the restricted payment. Then, based on the member store data stored in the auxiliary storage unit 24, it is determined whether the wearable terminal 2 is in the corresponding member store.

  The member store data stored in the auxiliary storage unit 24 described above is data in which position information such as latitude and longitude of all member stores with which the service provider is affiliated is stored. It may be stored in the store data table 800c.

  As described above, instead of the method of determining whether or not the wearable terminal 2 is located in the corresponding member store based on the beacon signal received from the wearable terminal 2, Based on the member store identification number included in the transmitted payment data, it may be determined whether or not the wearable terminal 2 is about to make a payment at the member store. Instead of using the member store identification number included in the settlement data, the wearable terminal 2 receives the member store identification number from the access point 7 via a communication method such as Bluetooth (registered trademark), and the member store identification number is received. You may transmit to the payment server 1. FIG. This agency identification number may be included in the beacon signal or transmitted separately.

  Further, based on the SSID (Service Set Identifier) or MAC address included in the beacon signal received from the wearable terminal 2, the member store in which the access point 7 is installed, that is, the wearable terminal 2 performs payment at the member store. It may be determined whether or not it is going.

  Furthermore, as described above, whether or not payment is restricted may be determined in the wearable terminal 2 (corresponding based on the beacon signal received by the communication unit 21 from the access point 7 of the corresponding member store). By determining if you are a merchant of). In this case, the member store data described above is also stored in the auxiliary storage unit 24 of the wearable terminal 2. Payment control when the control unit 22 of the wearable terminal 2 determines that payment is restricted is the same as described above.

  As described above, by defining the use restriction rule from the administrator terminal 3, the payment by the wearable terminal 2 is restricted according to the defined use restriction rule. With such a configuration, for example, a child / elderly person can easily and conveniently make a payment without losing a wearable terminal as a payment means, and can make a payment in an area outside the management of the administrator. Can be prevented.

  When payment is made at an area / member store where payment by the wearable terminal 2 is not restricted, payment data is transmitted from the payment terminal 5 to the payment server 1, but the communication unit 11 of the payment server 1 The payment data may be transmitted to the administrator terminal 3 and the control unit 12 may process the payment data after waiting for a confirmation response from the administrator terminal 3. Specifically, the payment data transmitted from the payment server 1 to the administrator terminal 3 includes the area where the user is located, the station, the member store, and / or the payment amount, and the administrator terminal 3 receives the payment data. In response to the reception, the controller 12 processes the payment data in response to the fact that the permission message is sent to the payment server 1 that the administrator permits the payment.

  By configuring in this way, for example, even if the administrator forgets to define the area where the use should be restricted and / or the use restriction of the member store, the settlement can be prevented. In addition, it is possible to prevent expensive payments that are not intended by the administrator.

  As described above, the description of the settlement control system according to the present invention has been described in detail, but the specific data structure such as the administrator data table 400 described in the embodiment is merely an example, and claims are made. Changes may be made without departing from the matter. Moreover, the order of each step in the flowchart demonstrated in FIG. 3 may be changed in the range which does not deviate from the matter claimed.

  In the present embodiment, settlement is restricted for each municipality / region of each prefecture, railway line / station, and member store, but the unit of restriction is merely an example. For example, in addition to the railway line, the settlement may be limited for each region according to a transportation system such as a bus. Alternatively, the payment may be permitted only within a predetermined range from the user's home. Further, the member stores may be classified according to a specific age and age, and the settlement at all of the specific classified member stores may be restricted.

DESCRIPTION OF SYMBOLS 1 Payment server 2 Wearable terminal 3 Administrator terminal 5 Store terminal 6 Network 7 Access point 400 Administrator data table 500 Virtual account data table 600a City / region selection screen 600b Route / station selection screen 600c Member store selection screen 700 Restriction of use Rule data table 800a Regional data table 800b Station data table 800c Merchant data table

Claims (8)

A computer system in which a payment server, a mobile terminal, and a payment terminal are connected to control payment at a specific store,
The payment server
A communication unit configured to receive position information from the mobile terminal and receive payment data including a payment user identification number from the payment terminal, wherein the payment data is an IC attached to the mobile terminal. A communication unit, which is generated when the payment terminal reads the chip;
A data storage unit configured to store usage restriction rules defining payment restrictions at a specific region, public transportation station or store for each payment user;
Based on the payment user identification number, the usage restriction rule is read from the data storage unit,
A control unit configured to determine whether to restrict the settlement based on the read usage restriction rule and the received location information, and
The computer system is further configured to transmit an error response or an unprocessed response to the payment terminal in response to the determination that the control unit restricts the payment. . The usage restriction rules define payment restrictions at specific areas or public transport stations,
The received position information is a GPS signal received by the mobile terminal,
The controller is
Based on the received location information, determine the location of the mobile terminal,
The computer system according to claim 1, further configured to determine whether the determined position is within a predetermined range of a specific area or station defined by the use restriction rule. The usage restriction rules define payment restrictions at specific stores,
The received position information is a beacon signal received from an access point installed in a store by the mobile terminal,
The controller is
Based on the received location information, determine the location of the mobile terminal,
The computer system according to claim 1, further configured to determine whether the determined position is in a specific store defined by the use restriction rule. A computer system in which a payment server, a mobile terminal, and a payment terminal are connected to control payment at a specific store,
The payment server
A communication unit configured to receive payment data including a payment user identification number and a store identification number from the payment terminal, wherein the payment data is an IC chip attached to the mobile terminal. A communication unit generated by reading; and
A data storage unit configured to store use restriction rules that define payment restrictions at a specific store for each payment user;
Based on the payment user identification number, the usage restriction rule is read from the data storage unit,
A control unit configured to determine whether to restrict the settlement based on the store identification number and the read usage restriction rule, and
The computer system is further configured to transmit an error response or an unprocessed response to the payment terminal in response to the determination that the control unit restricts the payment. . A method executed by a computer system for controlling payment at a specific store, wherein the computer system uses a payment user to define a payment restriction at a specific area, public transportation station or store for each payment user A data storage unit configured to store restriction rules;
Receiving position information from a portable terminal and receiving payment data including a payment user identification number from the payment terminal, wherein the payment data is read by the payment terminal by reading an IC chip attached to the portable terminal; Generated steps, and
Reading the usage restriction rule from the data storage unit based on the payment user identification number;
Determining whether to limit the settlement based on the read usage restriction rule and the received location information;
And a step of transmitting an error response or an unsettled response to the payment terminal in response to determining that the payment is to be restricted. A mobile terminal for performing payment at a specific store, wherein the payment is performed by a payment terminal reading an IC chip attached to the mobile terminal,
A data storage unit configured to store usage restriction rules defining payment restrictions at specific locations, public transportation stations, or stores;
A control unit configured to read the usage restriction rule from the data storage unit,
The mobile terminal is further configured to invalidate reading of the IC chip by the settlement terminal based on the read usage restriction rule and the position of the mobile terminal.   A program for causing a computer to execute the method according to claim 5.   A computer-readable storage medium having recorded thereon the program according to claim 7.

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