JP2019109555A - Information processing terminal, information processing method and program - Google Patents

Abstract

To provide an information processing terminal, an information processing method and a program that reduce a risk of double payment without modifying a POS register terminal system.SOLUTION: An information processing terminal that acquires billing information from a database and can connect to a Web server capable of sending an identification symbol linked with the information receives the billing information sent from the Web server and the identification symbol linked with the information, and displays the billing information whose payment state is an unpaid state in an identifiable manner. With an indication of a user to the displayed billing information, the identification symbol linked with the indicated billing information is displayed. The information processing terminal determines that there is a trail of withdrawal when there is a trail of the same withdrawal amount as a transfer amount of the billing information linked with the displayed identification symbol, and sends an indication to change the payment state of the billing information from the unpaid state when there is a trail of the same withdrawal amount as a withdrawal amount of the billing information linked with the displayed identification symbol.SELECTED DRAWING: Figure 1

Description

  The present invention relates to an information processing terminal, an information processing method, and a program that are used when performing web settlement.

  At present, a bill payment method using barcode reading by a POS cash register terminal in a convenience store (convenience store) is widely spread. The scope of use is broadened because customers can freely make payments at free time without having to go to a financial institution.

  According to Patent Document 1, in the convenience store, a transfer user outputs a barcode in which transfer information is registered from a multimedia terminal installed in the convenience store, and the outputted bar code sheet is used together with the sheet of the output barcode to the POS register terminal of the convenience store. And the technology which can pay a deposit is disclosed.

Unexamined-Japanese-Patent No. 2006-252377

  According to the technology of Patent Document 1, it takes several days to be paid to the billing company because it is paid to the financial institution (the account of the transferee) via the convenience store. Therefore, another user inputs the same transfer reservation information (ID to be input to the multimedia terminal linked to the transfer information) into the multimedia terminal in the several days, outputs a barcode, and pays the transfer money again. Things can happen.

  When such a double payment occurs, the billing company needs to perform processing such as repayment to the transfer user, offset with another charge, and the like, which causes a task cost. Also, the transfer user side will also make double payments to the billing company, and if received as it is, it will lose the extra paid amount.

  On the other hand, there is also a technology to pay the transfer money by displaying the WEB billing screen on an information processing terminal (smartphone etc.) and having the POS cashier terminal read the bar code displayed on the billing screen. Since it may take several days to be paid to the account, another user may also display the WEB billing screen and pay the transfer in the next several days.

  In order to solve these problems, we will improve the system to notify the billing company of receipt of payment each time the transfer is made to the POS cashier terminal of the convenience store so that the notified billing company will not display the Web billing screen. Although it would be possible if it would be solved, it would be too expensive and impractical to improve the system so that POS register terminals of convenience stores nationwide can be communicated with various companies.

  Therefore, according to the present invention, the information processing terminal displaying the WEB billing screen transmits payment information to the billing company that has transferred money, thereby temporarily stopping the display of the WEB billing screen (temporary payment completed), and after payment confirmation. It is an issue to reduce the risk of double payment without modifying the POS cash register terminal system by making it formally paid.

  The present invention is an information processing terminal connectable to a web server capable of acquiring bill information from a database and transmitting the acquired bill information and an identification symbol linked to the bill information, the information processing terminal comprising: Receiving means for receiving the transmitted invoice information and the identification symbol linked to the invoice information, and of the invoice information received by the receiving means, the invoice information for which the payment status is unpaid is identifiably displayed A first display means, and a second display means for displaying an identification symbol linked to the bill information instructed by the user according to a user's instruction to the bill information displayed on the first display means; Disbursement trail judging means for judging that there is a trail of withdrawal when there is a trail of the same withdrawal amount as the transfer amount of the invoice information linked to the identification symbol displayed by the second display means, and the withdrawal Trail judge Changes the payment status of the bill information from the unpaid state to the Web server when it is determined that there is a trail of withdrawal of the bill information linked to the identification symbol displayed by the second display means And an unpaid state change instruction transmission unit that transmits an instruction to cause the change.

  According to the present invention, it is possible to temporarily display the WEB billing screen by transmitting payment information from the information processing terminal displaying the WEB billing screen to the billing company that has made the transfer, without correcting the POS cash register terminal system. It is possible to reduce the risk of double payment by stopping it (provisional payment completed) and making it formally paid after payment confirmation.

It is a block diagram showing an example of system configuration in an embodiment of the present invention. It is a block diagram showing an example of the hardware constitutions applied to an information processor in an embodiment of the present invention. It is a first flowchart showing the flow of data processing between the billing company Web server 200 and the information processing terminal 100 in the embodiment of the present invention. FIG. 16 is a second flowchart showing a flow of data processing between the billing company Web server 200 and the information processing terminal 100 and the POS cash register terminal 300 in the embodiment of the present invention. It is a 3rd flowchart which shows the flow of a process of the information processing terminal 100 in embodiment of this invention. It is a 4th flowchart which shows the flow of a process of the claim company web server 200 in embodiment of this invention. It is a schematic diagram which shows an example of the screen image displayed on the display part of the information processing terminal 100 in embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  FIG. 1 is a block diagram showing an example of a system configuration according to an embodiment of the present invention.

  The billing company Web server (billing company Web billing system) 200 of FIG. 1 is a server having a function of transmitting invoice information to the information processing terminal in response to a request from the information processing terminal (customer portable terminal) 100 of the customer. It is possible to send the status of unpaid projects and prepaid invoices. A prepaid bill means a bill considered to be paid to a convenience store but not yet paid to a billing company.

  In addition, the billing company Web server 200 has a function of causing the information processing terminal 100 to display information (transfer bar code) for specifying the transfer destination account number, the transfer amount, etc. when the customer transfers the transfer money at a convenience store or the like. Have.

  The information processing terminal 100 of the customer receives the transfer bill that needs to be paid from the billing company Web server 200, and displays it on the display unit 210 (described later). Also, a transfer bar code for transferring at a convenience store or the like is received, and the transfer bar code is also displayed on the display unit 210.

  The information processing terminal 100 may have an electronic money application, and may use the electronic money application to pay the customer's transfer money by the non-contact tag recognition unit of the POS cash register terminal 300 installed in a convenience store or the like. it can.

  In addition, the information processing terminal 100 may have an imaging unit, the receipt for the bill paid in cash is imaged by the imaging unit, the OCR (optical character recognition) processing is performed, and the payment amount of the receipt is It is determined whether the transfer amount registered in the transfer bar code matches the transfer amount.

  The POS cashier terminal 300 of the convenience store reads the transfer bar code displayed on the display unit 210 of the information processing terminal 100, and acquires the transfer destination account number, the transfer amount, and the like.

  The POS cash register terminal 300 may also be a specification for receiving payment by electronic money, and when the information processing terminal 100 is brought close to the non-contact tag recognition unit of the POS cash register terminal 300, the electronic cash stored in the information processing terminal 100 You can withdraw money.

  By the above processing, the risk is double paid by sending payment information to the billing company when transferring money from the information processing terminal displaying the WEB billing screen without modifying the POS cash register terminal system Can be reduced. Detailed processing will be described in the flowcharts of FIG.

  FIG. 2 is a block diagram showing an example of a hardware configuration of an information processing apparatus applied to the information processing terminal 100, the billing company Web server 200, and the like in the embodiment of the present invention.

  As shown in FIG. 2, the information processing apparatus includes a central processing unit (CPU) 201, a read only memory (ROM) 202, a random access memory (RAM) 203, an input controller 205, a video controller 206, and a system bus 204. The memory controller 207 and the communication I / F controller 208 are connected.

  The CPU 201 centrally controls the devices and controllers connected to the system bus 204.

  The ROM 202 or the external memory 211 is a control program executed by the CPU 201, such as a BIOS (Basic Input / Output System) or an OS (Operating System), a computer readable and executable program for realizing the information processing method, and various necessary items. It holds data (including data tables).

  The RAM 203 functions as a main memory, a work area, and the like of the CPU 201. The CPU 201 loads programs necessary for execution of processing from the ROM 202 or the external memory 211 to the RAM 203 and executes the loaded programs to realize various operations.

  The input controller 205 controls input from an input device such as a keyboard 209 and a pointing device such as a mouse (not shown). When the input device is a touch panel, various instructions can be given by the user pressing (touching with a finger or the like) according to an icon, a cursor or a button displayed on the touch panel.

  Further, the touch panel may be a touch panel capable of detecting a position touched by a plurality of fingers, such as a multi-touch screen.

  Video controller 206 controls display on an external output device such as display 210. The display shall also include the display of a notebook computer integrated with the main unit. The external output device is not limited to the display, and may be, for example, a projector. The present invention also provides an input device for a device capable of receiving the above-described touch operation.

  The video controller 206 can control a video memory (VRAM) for display control, and can use part of the RAM 203 as a video memory area, or can separately provide a dedicated video memory. It is possible.

  The memory controller 207 controls access to the external memory 211. The external memory is connected via an adapter to an external storage device (hard disk) that stores a boot program, various applications, font data, user files, editing files, various data, etc., a flexible disk (FD), or a PCMCIA card slot. Compact flash (registered trademark) memory etc. can be used.

  The communication I / F controller 208 connects and communicates with an external device via a network, and executes communication control processing in the network. For example, communications using TCP / IP, telephone lines such as ISDN, and 3G lines of mobile phones are possible.

  The CPU 201 enables display on the display 210 by executing, for example, outline font rasterization processing on a display information area in the RAM 203.

  Various programs operating on hardware are stored in the external memory 211, and are executed by the CPU 201 by being loaded into the RAM 203 as necessary.

  The information processing terminal 100 may also have an imaging unit 212, and may have a function capable of performing an OCR (optical character recognition) process on data imaged by the imaging unit. If it has the function of OCR processing, it also has a program to determine whether the payment amount on the receipt where the character is recognized is equal to the transfer amount. Not only the text information but also barcode information etc. in which the payment amount described in the receipt is embedded may be read.

  Note that not all devices have these configurations, as long as they have the necessary ones.

  Next, with reference to the flowchart of FIG. 3, the payment process in the convenience store in the embodiment of the present invention will be described.

  FIG. 3 is a first flowchart showing a flow of data processing of the billing company Web server 200 and the information processing terminal 100 in the embodiment of the present invention, and S301 to S308 in the figure indicate respective steps. The processing of each step is realized by the application program stored in the external memory 211 of each system being loaded by the CPU 201 of each system onto the RAM 203 and executed.

  The flowchart in FIG. 3 is a flow of processing that is started when the user tries to transfer a bill transfer payment using the information processing terminal 100 (payment user terminal) in a convenience store or the like. Before step S301, it is preferable to perform user authentication processing on the billing company Web server 200 (billing company system) and the like, and to personally authenticate (login to) the information processing terminal 100. The authentication process is a known technique, and thus the description thereof is omitted.

  First, in step S301, the CPU 201 of the information processing terminal 100 transmits a Web billing screen acquisition command to the billing company Web server 200 in order to acquire a Web billing screen from the billing company Web server 200 that has logged in.

  Next, in step S302, when the CPU 201 of the billing company Web server 200 receives the Web billing screen acquisition command transmitted in step S301, the billing company including the provisional payment has been billed from the information of the logged-in customer. It acquires from the database etc. which the web server 200 comprises. The database may be included in the billing company Web server 200 or may be acquired from another database server or the like. Hereinafter, the invoice information acquired by the billing company Web server 200 is shown as an example including provisionally paid information, but the provisionally paid information does not have to be necessarily included, and the unpaid bill information is acquired. It may be alone or may include paid billing information (billing information paid to a billing company).

  The CPU 201 of the billing company Web server 200 transmits the acquired bill list information to the information processing terminal 100.

  Next, in step S303, the CPU 201 of the information processing terminal 100 receives the bill list information transmitted from the billing company Web server 200, and displays the bill list on the display unit 210. A screen image displaying a list of invoices will be described with reference to FIG.

  FIG. 7 is a schematic view showing an example of a screen image displayed on the display unit 210 of the information processing terminal 100 according to the embodiment of the present invention.

  In FIG. 7, 700 in FIG. 7 is a screen image displayed on the display unit 210 of the information processing terminal 100 in step S303, where a line 701 is a list of unpaid bills and a line 702 is a list of bills that have been provisionally paid.

  The bill selection button 703 on the list 701 of unpaid bills is active, and when any button 703 is pressed, the process transitions to the next step S304. On the other hand, the bill selection button 704 on the bill list 702 on which the prepayment has been made is initially inactive and can not be selected by the user. By this screen display, it is possible to prevent the mistake of further depositing the prepaid bill, and the transfer user can notice before it will be made double payment. In addition, the billing company can prevent processing such as repayment to the deposited transfer user and offsetting with another billing. In addition, in consideration of the case that the transfer user has made a transfer but not transferred (provisional payment completed), etc., the provisionally paid button 704 is made to return to the active state by the second tap. Also good. The description will return to the flowchart of FIG.

  Next, when the CPU 201 of the information processing terminal 100 receives the selection of any of the bill selection buttons 703 of 700 (step S304), the process proceeds to step S305, and among the data received in step S303. , And displays the detailed information of the bill selected in step S305 on the display unit 210. The image of the bill specification information will be described with reference to FIG.

  Reference numeral 710 in FIG. 7 denotes a screen image displayed on the display unit 210 of the information processing terminal 100 in step S305. In the screen 710, statement information of a bill is displayed. When "transfer barcode display" in 711 is pressed, the process transitions to the next step S306. The transfer bar code is information in which the transfer destination account number, the amount of money to be transferred, and the like, which are read by the POS cashier terminal 300 when paying at the convenience store, are registered. The description will return to the flowchart of FIG.

  When the process proceeds to step S306, the CPU 201 of the information processing terminal 100 issues an instruction to the billing company Web server 200 to transmit information for displaying the transfer bar code (identification symbol).

  Next, in step S <b> 307, the CPU 201 of the billing company Web server 200 generates information for displaying a transfer bar code related to the bill received from the information processing terminal 100, and transmits the information to the information processing terminal 100.

  Next, in step S308, the CPU 201 of the information processing terminal 100 receives the transfer barcode information transmitted from the billing company Web server 200, and advances the process to the next step S401. Hereinafter, description will be made with reference to FIG.

  FIG. 4 is a second flowchart showing the flow of data processing between the billing company Web server 200 and the information processing terminal 100 in the embodiment of the present invention, and S401 to S420 in the figure indicate respective steps. The processing of each step is realized by the application program stored in the external memory 211 of each system being loaded by the CPU 201 of each system onto the RAM 203 and executed.

  The flowchart of FIG. 4 is a flow of processing started after transitioning to step S308 of FIG.

  First, in step S401, the CPU 201 of the information processing terminal 100 displays the transfer barcode information received in step S308 on the display unit 210. At the same time, the receipt shooting button and the payment end button are also displayed. An image displaying the transfer bar code information, the receipt imaging button, and the payment end button will be described with reference to FIG.

  7, 720 in FIG. 7 is a screen image displayed on the display unit 210 of the information processing terminal 100 in step S401. The transfer bar code information 721, the receipt photographing button ("receipt reading" button) 723, payment in 720 An end button ("close" button) 722 is displayed. The transfer user can read the transfer bar code information displayed at 720 on the POS cashier terminal 300 or the like of the convenience store and pay the transfer account by cash or electronic money. It returns to description of the flowchart of FIG.

  When a screen such as 720 is displayed on the display unit 210 of the information processing terminal 100, the transfer user causes the reading unit of the POS cashier terminal 300 such as a convenience store to read the transfer barcode information displayed at 720 (step S402). ). By this processing, the POS cashier terminal 300 of the convenience store acquires a transfer account number, a transfer amount, and the like that the transfer user transfers from now.

  Next, in step S403, the POS cashier terminal 300 displays the amount to be deposited on the display unit (not shown).

  The processing from the next is processing in the case where the information processing terminal 100 has a function of holding noncontact electronic money. If there is no function to hold electronic money, the process skips to step S411.

  Next, when the user intends to pay by noncontact electronic money (electronic payment), the user brings the information processing terminal 100 close to the POS cashier terminal 300, and the CPU 201 of the information processing terminal 100 processes information in step S404. A process of withdrawing money from the electronic money of the terminal 100 is started.

  In step S405, the POS cashier terminal 300 that has confirmed the withdrawal of the electronic money accepts the deposit with the electronic money, and ends the payment process in the next step S406.

  On the other hand, in step S404, the CPU 201 of the information processing terminal 100 monitors whether the amount of electronic money has changed by polling or the like in steps S407 and S408 in order to monitor whether the amount is paid as electronic money. If there is a change in the amount of electronic money (YES in step S408), the process transitions to step S409. If there is no change in the electronic money amount (in the case of NO at step S408), the process proceeds to step S411. If there is no instruction from the user, the process returns to step S407 for a predetermined time. The process of step S411 will be described later.

  When the process proceeds to step S409, the CPU 201 of the information processing terminal 100 acquires (track acquisition) the payment amount (withdrawal amount) of the electronic money acquired in step S407.

  Next, in step S410, the CPU 201 of the information processing terminal 100 determines whether the billing amount selected and acquired in step S304 is equal to the payment amount of the electronic money. This determination is a process for not making a provisional payment, because if the payment amount is different from the bill amount, it may have been paid in a separate accounting from the bill payment. If the payment amount is equal to the billed amount, the process transitions to step S417, and the billing company Web server 200 is instructed to make the bill provisionally paid. Details will be described later. If the payment amount is different from the billed amount, the process proceeds to step S411, and proceeds to a process in which payment with electronic money is not provisionally paid.

  When the process proceeds to step S411, the CPU 201 of the information processing terminal 100 displays the receipt shooting button ("receipt reading" button) 723 or payment end button ("close" button) 722 displayed in 720 of FIG. It is determined whether is pressed. If it is not pressed (in the case of NO in step S411), the process proceeds to the next step S412, and the CPU 201 of the information processing terminal 100 performs steps S407 to S412 for a predetermined time (for example, 30 minutes). Perform repeated processing.

  If the receipt shooting button ("receipt read" button) 723 or the payment end button ("close" button) 722 is pressed by the user (YES in step S411), the process transitions to step S413.

  In step S413, the CPU 201 of the information processing terminal 100 determines whether the pressed button is a receipt imaging button (a “read receipt” button) 723. If the receipt shooting button 723 is pressed (YES at step S413), the process proceeds to step S414. If the receipt shooting button 723 is not pressed, that is, the payment end button 722 is pressed. If it is determined (in the case of NO at step S413), the process of the present invention is ended (after the process at step S416).

  When the process proceeds to step S414, the CPU 201 of the information processing terminal 100 transitions to a receipt taking process. The receipt taking process will be described with reference to FIG.

  FIG. 5 is a third flowchart showing the flow of processing of the information processing terminal 100 according to the embodiment of the present invention, and S501 to S506 in the figure indicate respective steps. The processing of each step is realized by the CPU 201 of the information processing terminal 100 loading an application program stored in the external memory 211 of each system onto the RAM 203 and executing the application program.

  The flowchart of FIG. 5 is a flow of processing started upon transition to the processing of step S414 of FIG.

  First, in step S501, the CPU 201 of the information processing terminal 100 executes processing (receipt imaging processing) of capturing an image of a receipt (evidence information) by user operation using the imaging unit of the information processing terminal 100. Do. The captured image may be stored on the RAM 203 or may be stored on the external memory 211.

  Next, in step S502, the CPU 201 of the information processing terminal 100 performs an OCR (optical character recognition) process on the captured image stored in the RAM 203 or the external memory 211, and a character string described in a receipt (receipt) Extract.

  Next, in step S503, the CPU 201 of the information processing terminal 100 acquires payment amount information (payment amount) and payment date information from the extracted character string. Since acquisition of amount information and acquisition processing of payment date information are existing techniques, the description is omitted.

  Next, in step S504, it is determined whether the payment amount and payment date obtained in step S503 respectively match the billing amount and bar code generation date selected and obtained in step S304. If the payment amount and the payment date coincide with the invoice amount and the date of generation of the bar code (YES in step S504), the process transitions to step S506, and the invoice corresponding to the imaged receipt corresponds Set up to return to the billing company that it is a payment for the letter. Details will be described later. On the other hand, when the payment amount or the payment date does not match the invoice amount and the generation date of the bar code (in the case of NO at step S504), the processing is shifted to step S505.

  When the process proceeds to step S505, the CPU 201 of the information processing terminal 100 reads the receipt on the display unit 210 of the information processing terminal 100 because the payment amount and the transfer amount are different or the payment date is different from the barcode generation date. Display an error. Further, the receipt flag to be transmitted to the billing company is registered as “NG”, and the processing of this flowchart is ended. If this receipt flag is "NG", it means that the taken receipt is not a transferred receipt.

  If the process proceeds to step S506, the payment amount and the transfer amount are equal, and the payment date is also equal to the barcode generation date, so the CPU 201 of the information processing terminal 100 sets the receipt flag to be transmitted to the billing company as "OK". Register and complete the processing of this flowchart. If this receipt flag is "OK", it means that the taken receipt is highly likely to be a transferred receipt. It returns to description of the flowchart of FIG.

  When the process of taking in the receipt information is finished in step S414, the process proceeds to step S415.

  In step S415, the CPU 201 of the information processing terminal 100 refers to the receipt flag acquired in step S414, and divides the processing depending on "OK" or "NG". If the receipt flag is "OK", the process transitions to step S417 to notify the billing company Web server 200 that the transfer has been performed. On the other hand, when the receipt flag is "NG", the processing of the flowchart is ended without notifying the billing company Web server 200 (step S416).

  When the process proceeds to step S417, the CPU 201 of the information processing terminal 100 causes the billing company Web server 200 to set the payment state of the target billing information generated in step S307 to the state of "temporary payment completed". It instructs the server 200 on the prepaid flag and transmits it (transmission of state change instruction).

  Next, in step S418, the CPU 201 of the billing company Web server 200 receives the provisionally paid flag from the information processing terminal 100, and in the next step S419, the payment status of the target billing information generated in step S307 is It is changed to the state of "paid" and the processing of this flowchart is ended (step S420).

  When the process is ended in step S416, the corresponding invoice of the billing company Web server 200 remains in the "unpaid" state regardless of whether the transfer user has paid or not paid. On the other hand, when the process is finished in step S420, since the possibility that the transfer user has paid is high, the corresponding invoice of the billing company Web server 200 has been changed to the state of "temporary payment completed".

  As described above, the information processing terminal 100 determines whether the transfer has been completed or not, and notifies the billing company Web server 200 whether or not the billing company Web server 200 has already made a provisional payment. Since it is possible to display the bill list in step S302, it is possible to prevent double payment by the Web bill by making it impossible to select a bill that has been prepaid as in step S304.

  In addition, even if the process proceeds to step S420 and ends, and the corresponding bill is provisionally paid, another shopping (settlement) of the same amount as the billed amount may be made with electronic money or the like. In such a case, rechecking may be performed at the time of payment from the financial institution, and processing for changing the prepaid state to the unpaid state may be performed, if necessary, such as processing for prompting for payment. The process after receipt of money from the financial institution will be described with reference to FIG.

  FIG. 6 is a fourth flowchart showing the flow of processing of the billing company Web server 200 in the embodiment of the present invention, and S601 to S605 in the figure indicate respective steps. The processing of each step is realized by the CPU 201 of the information processing terminal 100 loading an application program stored in the external memory 211 of the billing company Web server 200 onto the RAM 203 and executing it.

  The flowchart of FIG. 6 is a flow of processing that is started when the billing company Web server 200 confirms payment from a financial institution.

  First, in step S601 in FIG. 6, the CPU 201 of the invoicing company Web server 200 determines whether the financial institution has made a payment to the invoicing company. If payment is made (YES in step S601), the process transitions to step S602. On the other hand, when payment is not received (NO in step S601), the process proceeds to step S604, and only a predetermined period (for example, the average time or the maximum time of receiving money from a convenience store to a financial institution) The process of returning to step S601 is repeated.

  When the process proceeds to step S602, the CPU 201 of the billing company Web server 200 determines from the information from the financial institution whether or not the bill set as provisionally paid can be linked to the payment. If the association is possible, the process transitions to step S603. On the other hand, in the case of payment that can not be linked, the process transitions to step S604, and the process returning to step S601 is repeated for a certain period.

  When the process proceeds to step S603, the CPU 201 of the billing company Web server 200 registers the payment status of the corresponding bill set as provisionally paid as paid, and ends this flowchart. This payment status means that the invoice amount has been formally deposited.

  On the other hand, in step S604, when a predetermined period (for example, the average time or the maximum time of receiving money from a convenience store to a financial institution, etc.) has passed (in the case of YES in step S604), the corresponding payment set as provisionally paid Since it is determined that the bill has not been paid, the process transitions to step S605, and the CPU 201 of the billing company Web server 200 sets the payment status of the corresponding bill set as provisionally paid to unpaid. The process returns to the process of this flowchart.

  As described above, in the case where a bill that has been registered as provisionally paid by mistake in the process of FIG. 6 is not deposited, the billing company Web server 200 again transfers the transfer bar code information to the information processing terminal by returning the unpaid state. It will be able to send to 100.

  The configuration of the various data described above and the contents thereof are not limited to this, and it is needless to say that they are configured in various configurations and contents depending on the application and purpose.

  Further, a program according to the present invention is a program that causes a computer to execute the processing of FIGS. The program according to the present invention may be a program for each of the processes shown in FIGS.

  As described above, the recording medium recording the program for realizing the functions of the above-described embodiments is supplied to the system or apparatus, and the computer (or CPU or MPU) of the system or apparatus stores the program stored in the recording medium. It goes without saying that the object of the present invention can also be achieved by reading and executing.

  In this case, the program itself read out from the recording medium realizes the novel function of the present invention, and the recording medium recording the program constitutes the present invention.

  As a recording medium for supplying the program, for example, a flexible disk, hard disk, optical disk, magneto-optical disk, CD-ROM, CD-R, DVD-ROM, magnetic tape, non-volatile memory card, ROM, EEPROM, silicon A disk etc. can be used.

  Further, by executing the program read by the computer, not only the functions of the above-described embodiment are realized, but also an operating system (OS) or the like running on the computer is actually executed based on the instructions of the program. It goes without saying that the processing is partially or entirely performed, and the processing realizes the functions of the above-described embodiments.

  Furthermore, after the program read from the recording medium is written to the memory provided to the function expansion board inserted into the computer or the function expansion unit connected to the computer, the function expansion board is read based on the instruction of the program code. It goes without saying that the case where the CPU or the like provided in the function expansion unit performs part or all of the actual processing and the functions of the above-described embodiment are realized by the processing.

  Further, the present invention may be applied to a system constituted by a plurality of devices or to an apparatus comprising a single device. It goes without saying that the present invention can also be applied to the case where it is achieved by supplying a program to a system or apparatus. In this case, by reading a recording medium storing a program for achieving the present invention into the system or apparatus, the system or apparatus can receive the effects of the present invention.

  Further, by downloading and reading out a program for achieving the present invention from a server on a network, a database or the like by a communication program, the system or apparatus can receive the effects of the present invention. In addition, the structure which combined each embodiment mentioned above and its modification is also contained in this invention altogether.

100 information processing terminal 200 billing company Web server 201 CPU
202 ROM
203 RAM
204 system bus 205 input controller 206 video controller 207 memory controller 208 communication I / F (interface) controller 209 input device 210 display device 211 external memory 300 convenience store POS cash register terminal 400 Internet

Claims (7)

An information processing terminal capable of connecting to a Web server capable of transmitting invoice information from a database and transmitting the acquired invoice information and an identification symbol linked to the invoice information,
Receiving means for receiving bill information transmitted from the Web server and an identification symbol linked to the bill information;
First display means for identifiably displaying bill information of unpaid status among the bill information received by the receiving means;
Second display means for displaying an identification symbol linked to the bill information instructed by the user according to a user's instruction on the bill information displayed by the first display means;
Withdrawal trail judging means for judging that there is a trail of withdrawal when there is a trail of the same withdrawal amount as the transfer amount of the invoice information linked to the identification symbol displayed by the second display means;
When it is determined by the withdrawal trail judging means that there is a trail of withdrawal of invoice information linked to the identification symbol displayed on the second display means, payment of the invoice information is sent to the Web server Unpaid state change instruction transmission means for transmitting an instruction to change the state from the unpaid state;
An information processing terminal characterized by having: The information processing terminal includes an electronic settlement unit that performs electronic settlement by transmitting the electronic settlement via a non-contact communication and a settlement acceptance terminal that receives the electronic settlement.
The withdrawal trail judging means has a trail of withdrawal if the withdrawal amount by the electronic settlement means is the same as the transfer amount of the invoice information linked to the identification symbol displayed on the second display means. The information processing terminal according to claim 1, wherein the information processing terminal determines. The information processing terminal includes an imaging unit.
The payment trail determination unit determines that the money amount information extracted from the voucher information captured by the imaging unit is the same as the transfer amount for the invoice information associated with the identification symbol displayed on the second display unit. The information processing terminal according to claim 1 or 2, wherein it is determined that there is a trail of withdrawal. The information processing terminal includes an optical character recognition unit.
The optical character recognition means reads the money amount information from the voucher information captured by the imaging means,
The payment trail determination means determines whether or not the money amount information read by the optical character recognition means is the same as the transfer money amount of the bill information associated with the identification symbol displayed on the second display means. The information processing terminal according to claim 3, wherein it is determined that there is a trail. The information processing terminal includes a payment date acquisition unit that acquires payment date information from the voucher information captured by the imaging unit.
The payment trail determination unit is the same as the transfer amount of the invoice information, in which the amount information extracted from the voucher information captured by the imaging unit is linked to the identification symbol displayed on the second display unit. The payment date information acquired by the payment date acquisition means is judged to have a trail of withdrawal when it is a day displayed on the second display means. Information processing terminal. An information processing method in an information processing terminal connectable to a web server capable of transmitting bill information and acquiring the bill information and the identification symbol linked to the bill information from the database.
Receiving the bill information transmitted from the Web server and an identification symbol associated with the bill information;
A first display step of the bill information received in the reception step, in which the bill information in the unpaid state is identifiably displayed;
A second display process for displaying an identification symbol linked to the invoice information instructed by the user according to an instruction of the user on the invoice information displayed in the first display process;
A withdrawal trail judging step of judging that there is a trail of withdrawal when there is a trail of the same withdrawal amount as the transfer amount of the invoice information linked to the identification symbol displayed in the second display step;
If it is determined by the withdrawal trail determining step that there is a trail of withdrawal of invoice information linked to the identification symbol displayed in the second display step, payment of the invoice information is sent to the Web server. An unpaid state change instruction transmission step of transmitting an instruction to change the state from the unpaid state;
An information processing method characterized by comprising: A program in an information processing terminal connectable to a Web server capable of transmitting invoice information from a database and transmitting the acquired invoice information and an identification symbol linked to the invoice information,
Receiving means for receiving the bill information transmitted from the Web server and the identification symbol associated with the bill information;
First display means for identifiably displaying bill information of unpaid status among the bill information received by the receiving means;
Second display means for displaying an identification symbol linked to the bill information instructed by the user according to a user's instruction on the bill information displayed by the first display means;
Withdrawal trail judging means for judging that there is a trail of withdrawal when there is a trail of the same withdrawal amount as the transfer amount of the invoice information linked to the identification symbol displayed by the second display means;
When it is determined by the withdrawal trail judging means that there is a trail of withdrawal of invoice information linked to the identification symbol displayed on the second display means, payment of the invoice information is sent to the Web server A program characterized by operating as an unpaid state change instruction transmission unit that transmits an instruction to change the state from the unpaid state.

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