JP2020166820A - Multi-electronic settlement system - Google Patents

Abstract

To increase types of electronic settlement available to users while reducing the economic burden on business operators in experience in which the users perform electronic settlement using communication apparatuses.SOLUTION: A multi-electronic settlement system 1000 includes: a plurality of settlement servers 160 in which whether types of electronic settlement supported by them match exactly with each other is not questioned; a plurality of management servers 140 which are operated by business operators who are different from each other and in which whether types of electronic settlement supported by them match exactly with each other is not questioned; and a settlement route selection server 40 capable of communicating with a communication apparatus 90 of a user who desires electronic settlement whose payment destination is an arbitrary business operator. Upon receiving electronic settlement information from the communication apparatus 90, the server 40 identifies the business operator who is the payment destination from the information, selects a management server operated by the business operator, and transmits an electronic settlement request to the server. The server communicates with the corresponding settlement server to perform electronic settlement.SELECTED DRAWING: Figure 10

Description

The present invention relates to a technique for a user to make an electronic payment using a communication device, and in particular, expands the range of types of electronic payment available to the user while reducing the financial burden on the operator and / or the user. With respect to the technology that enables comprehensive electronic payment of complex charges consisting of multiple types of individual charges, and / or with respect to the technology that provides users with certain goods or services or moving goods or real estate, in particular. It is related to the improvement of the technology in which the user pays the consideration for the payment by electronic payment.

Systems that provide users with certain goods or services or movables or real estate are already widespread. An example of a system that provides a user with certain items is a vending machine. Throughout this application document, the term "provide" means, for example, an act such as transfer, loan (lease), whether free or paid.

An example of a kind of service is a service of renting a rental object, which is real estate or movable property, to a user. Specifically, an example of a rental target as real estate is a rental space such as a rental seat or a parking lot, and an example of a rental target as movable property is a means of transportation such as a rental bicycle or a rental car.

More specifically, as real estate rental targets, for example, accommodation facilities where users can stay for a short period of time (for example, rooms in hotels, private homes temporarily rented by others, condominiums, etc.) Rooms) or rooms in accommodations (eg, individual homes, condominiums, etc.) where users can stay for a long time, coin lockers, parking lots (eg, parking lots with one or more cabins), individual parking spaces (For example, each of a plurality of cabins in a parking lot) and the like.

Rental targets for movables include, for example, land, water or flying vehicles (for example, rental cars, rental bicycles, etc.), rental furniture, rental clothing, rental electrical products (including the voice guide device described later), and electrical products. There are rental accessories (for example, batteries or chargers) that are detachably attached, rental recording media (for example, CDs) on which audiovisual content is recorded, which can be played by the user.

Here, taking the parking lot business as an example, some conventional examples of a system for providing a certain kind of goods or services to a user will be described with particular attention to a payment method.

Patent Document 1 supports electronic payment (also referred to as "smartphone payment", for example, credit card payment), but is also referred to as cash payment or prepaid IC card payment (simply referred to as "card payment"). ) Discloses a parking management system that cannot be handled.

This system is a server installed outside the parking lot that can communicate with the user's mobile terminal, and a delivery restriction device installed inside the parking lot that communicates with the server or the user's mobile terminal. It has what is controlled by. Throughout this specification, the "delivery restriction device" physically restricts the vehicle entering the parking lot from leaving the parking lot until the payment by the user is completed, and when the payment by the user is completed. , It physically permits delivery, and is also called a delivery permission device.

Patent Document 2 discloses a parking lot management system that can handle only cash payment or card payment, that is, can support non-electronic payment.

This system includes a payment machine installed in the parking lot (a device that enables the user to make non-electronic payments) and a delivery restriction device installed in the parking lot that is controlled by the payment machine. And, a server installed outside the parking lot, which can communicate with the payment machine instead of the user's mobile terminal.

Patent Document 3 discloses a parking lot management system that can handle both non-electronic payment and electronic payment. This system is a ticket issuing machine installed in the parking lot that enables non-electronic payment, and a management server installed outside the parking lot that communicates with the user's mobile terminal to make electronic payment by the user. It has what makes it possible. In this case, the management server is managed by the same company as the company that manages the parking lot, and therefore, in this system, the ticket issuing machine and the management server are under the control of the same company.

On the other hand, an electronic payment system in which a user makes an electronic payment using a communication device has already been proposed. Patent Document 4 discloses an electronic money payment device capable of electronic payment using a plurality of types of electronic money.

Japanese Patent No. 6401849 Japanese Unexamined Patent Publication No. 2016-045916 JP-A-2018-173965 JP-A-2014-119807

Electronic payments are becoming widespread as a payment method for the provision of goods or services or movables or real estate to users. On the other hand, there are still users who request non-electronic payments.

By the way, after constructing a system exclusively for non-electronic payments, it is possible to at least partially modify the hardware configuration of the system to support electronic payments in order to meet the demand for electronic payments. It is possible. However, in that case, the burden of repairing the system may increase.

Further, even if a system can support electronic payment, if the type of electronic payment that the system can support and the type of electronic payment that can be used by the user do not match, the user can use the type of electronic payment. The system is not available just because of the inconsistency. Therefore, the range of systems that can be used by the user is limited.

Further, according to the technique disclosed in Patent Document 4, the user can expand the range of types of electronic payments that can be used. However, in the conventional technology disclosed in this document, the business operator needs to newly manufacture and operate a dedicated management system in order to support a plurality of types of electronic payments.

Therefore, in such a conventional technology, in order to promote the realization of a cashless distribution society, it is attempted to expand the range of types of electronic payments available to users and improve user convenience. This is an obstacle to the increase in fixed costs and operating costs that must be borne by the government.

Further, when the consideration for providing one event, service or goods to one user includes a plurality of types of charges corresponding to a plurality of payees, in the conventional technique, the user's communication device may be used. Each payee is obliged to access a dedicated management server and make electronic payments.

Therefore, in the conventional technology, in the user experience of making such a payment, the burden imposed on the user when the user operates the communication device for making the electronic payment is large, and therefore the convenience of the user is improved. There is room to do.

Against this background, the present invention is a technique for a user to make an electronic payment using a communication device, and a range of types of electronic payments that can be used by the user while reducing the financial burden on the business operator. And / or to enable users to comprehensively electronically settle complex charges consisting of multiple types of individual charges, and / or certain goods or services or In the technology of providing moving goods or real estate to users, the technology of paying the consideration for the provision by the user by electronic payment is improved, or the payment system that cannot support a certain payment method is settled while suppressing the additional burden. The task was to make it possible to modify the payment system to one that is compatible with the payment method by using another payment system that is compatible with the payment method.

In order to solve the problem , according to one aspect of the present invention, it is a multi-electronic payment system.
There are multiple payment servers, regardless of whether or not the types of electronic payments that can be supported by each are exactly the same.
It is a plurality of management servers that manage each of these payment servers, and they are operated by different businesses, and it does not matter whether or not the types of electronic payments that can be handled by each are completely the same. The types of electronic payments that can be supported are common to each other with the corresponding payment servers, and each management server is used for a system that provides users with certain goods or services or animals or real estate. ,
A payment route selection server that is commonly connected to these management servers as a server separate from those management servers and can communicate with the communication devices of users who wish to make electronic payments with any business as the payment destination. When the electronic payment request and the electronic payment information are received from the communication device, the business operator who is the payment destination for the user is specified from the received electronic payment information, and the identification is made from the plurality of management servers. Select the one operated by the business operator and send the electronic payment request to the selected management server.
Including
When the selected management server receives the electronic payment request from the payment route selection server, the selected management server executes the electronic payment desired by the user by communicating with the payment server assigned to the management server.
By connecting the plurality of management servers to the payment route selection server in common with the management servers, a multi-electronic payment system is provided in which a communication network for multi-electronic payment that can be used by the user is constructed.

Further , according to the first aspect of the present invention, it is a multi-electronic payment system.
It is a multi-electronic payment system
There are multiple payment servers, and the types of electronic payments that can be handled by these payment servers do not exactly match each other.
Including multiple management servers used for systems that provide users with certain goods or services or movables or real estate.
Those management servers
It is a plurality of deemed management servers that manage each of the plurality of payment servers, and the types of electronic payments that can be handled by these deemed management servers do not completely match each other, but with the corresponding payment server. Among them, the types of electronic payments that can be supported are common to each other,
As an actual management server commonly connected to these deemed management servers, it is a payment route selection server capable of communicating with a communication device of a user who desires any kind of electronic payment, and is an electronic payment request and electronic payment from the communication device. When the information is received, the type of electronic payment that the user wants to use is specified from the received electronic payment information, and the electronic payment that matches the specified electronic payment is selected from the plurality of deemed management servers. Includes one that selects a payment capable and sends an electronic payment request to either one or more of the selected deemed management servers.
When any one of the selected one or a plurality of deemed management servers receives the electronic payment request from the payment route selection server, the user communicates with the payment server assigned to the deemed management server. Perform the desired electronic payment and
By connecting the plurality of deemed management servers to the payment route selection server in common with those deemed management servers, a multi-electronic payment system is provided in which a communication network for multi-electronic payment that can be used by users is constructed.

Further, according to the second aspect of the present invention, it is a multi-electronic payment system.
Multiple management servers, regardless of whether or not the types of electronic payments that can be handled are exactly the same among them, and are operated by different businesses. When,
A plurality of payment servers that are assigned to each of these management servers and can communicate with those management servers, and the types of electronic payments that can be handled are common to each management server assigned to each payment server. things and,
A payment route selection server capable of communicating with a communication device of a user who desires electronic payment with an arbitrary business as a payment destination, and when an electronic payment request and electronic payment information are received from the communication device, the received electronic From the payment information, the business operator who is the payee for the user is specified, the one operated by the specified business operator is selected from the plurality of management servers, and one or more of the selected business servers are selected. Including sending electronic payment requests to the management server
When the selected one or more management servers receive the electronic payment request from the payment route selection server, the selected management server executes the electronic payment desired by the user by communicating with the payment server assigned to the management server. ,
By connecting the plurality of management servers to the payment route selection server in common to them, a multi-electronic payment system is provided in which a communication network for multi-electronic payment that can be used by a user is constructed.

Also, according to a third aspect of the present invention, a system that provides a user with some kind of goods or services or movables or real estate.
A second type of payment is possible by the user, but the system alone does not support the second type of payment and provides the user with goods or services of the same type or different type as the system, movable property or real estate. In collaboration with a system that supports the second type of payment, a substitute payment mode is executed.
In the substitute payment mode, the user's communication device accesses the second system with or without a communication device different from the communication device, thereby performing the second type of payment. Then, the second system communicates with the system via or without a communication device different from the second system, whereby the system sends a payment completion signal to the second system. A multi-electronic payment compatible service provision system received from is provided.

In one example, the first type of payment includes at least a non-electronic payment, and the second type of payment includes at least an electronic payment.

In another example, the first type of payment includes at least an electronic payment, and the second type of payment also includes at least an electronic payment.

Also, according to the first aspect of the present invention, a system that provides a user with some kind of goods or services or movables or real estate.
Non-electronic payment, which is cash payment or card payment by the user, is possible, but the system alone does not support electronic payment, and provides the user with goods or services of the same type or different type as the system, or animal or real estate. In collaboration with two systems that support electronic payment, the pseudo electronic payment mode is executed.
In the pseudo-electronic payment mode, the user's communication terminal accesses the second system via or without a communication device different from the communication terminal, thereby performing electronic payment, and then The second system communicates with or without a communication device different from the second system, whereby the system receives a payment completion signal from the second system. An electronic payment compatible service provision system will be provided.

According to this system, a payment system that cannot support electronic payments will be upgraded to a payment system that can support electronic payments while suppressing the additional burden by using another payment system that can support electronic payments. It becomes easy.

Also, according to the second aspect of the present invention, a system that provides a user with some kind of goods or services or movables or real estate.
Non-electronic payment, which is cash payment or card payment by the user, is possible, and the system alone executes a non-electronic payment mode that does not support electronic payment, and in the non-electronic payment mode, the user performs non-electronic payment. ,
The system executes a pseudo-electronic payment mode in collaboration with a second system that provides users with goods or services of the same type or different types as the system, movable property, or real estate that can support electronic payment. And
The second system executes an electronic payment mode corresponding to electronic payment by the second system alone, provided that the user is a member of the second system, and in the electronic payment mode, the second system executes an electronic payment mode. The user's communication terminal communicates with the second system, thereby making an electronic payment, and then the second system transmits a payment completion signal to the communication terminal.
In the pseudo-electronic payment mode, the user's communication terminal is different from the communication terminal in a state where the user impersonates a member of the second system or is actually a member of the second system. Accessing the second system with or without a communication device, thereby making an electronic payment, after which the second system goes through a communication device different from the second system. It communicates with the system without going through or via, whereby the system is provided with an electronic payment-compatible service providing system that receives a payment completion signal from the second system.

According to this system, a payment system that cannot support electronic payments will be upgraded to a payment system that can support electronic payments while suppressing the additional burden by using another payment system that can support electronic payments. It becomes easy.

Also, according to a third aspect of the present invention, a system that provides a user with some kind of goods or services or movables or real estate.
The first type of electronic payment by the user is possible, but the system alone does not support the second type of electronic payment, and provides the user with goods or services of the same type or different type as the system, movable property or real estate. In collaboration with two systems that enable the second type of electronic payment by the user, the substitute electronic payment mode is executed.
In the alternative electronic payment mode, the user's communication terminal accesses the second system with or without passing through another communication device, thereby performing the second type of electronic payment, and then. An electronic payment-enabled service providing system in which the second system communicates with or without another communication device, whereby the system receives a payment completion signal from the second system. Is provided.

According to this system, even if the type of electronic payment available to the user does not match the type of electronic payment that the system can handle without dependence on the second system, the first By collaborating with the two systems, the types of electronic payments that can be used by the user and the types of electronic payments that the system can handle in a pseudo manner match, and the user can use the system. .. As described above, according to this system, as a result, the types of electronic payments that the system can handle will increase.

That is, according to this system, a payment system that cannot support a certain payment method can be supported by the payment method while suppressing an additional burden by using another payment system that can support the payment method. It will be easy to upgrade to a payment system.

Also, according to a fourth aspect of the present invention, a system that provides a user with certain goods or services or movables or real estate.
The system alone is capable of non-electronic payments but not electronic payments, or alone is capable of at least a limited type of electronic payments.
With the user's communication terminal
In the normal payment mode, including a payment machine or a payment machine for the user to make a payment by a payment method that the system can handle independently.
The system operates in conjunction with a plurality of second systems that provide users with goods or services or movables or real estate of the same or different types, respectively, for payment procedures.
Each of these second systems is capable of supporting at least one type of electronic payment, and the types of electronic payment that can be supported by these second systems are not exactly the same among them.
The system is
When the communication terminal receives an electronic payment request from a user, a determination unit that determines the type of electronic payment specified by the electronic payment request, and a determination unit.
If the communication terminal does not match the type of user-designated electronic payment with any of the types of electronic payment supported by the system, the communication terminal covers the type of user-designated electronic payment among the plurality of second systems. A selection unit that selects one of the second systems as a substitute system,
When the substitute system is selected, the communication terminal accesses the substitute system with or without passing through another communication device in the substitute electronic payment mode, whereby the substitute system enters the system. Including the substitute payment unit that performs the user-specified electronic payment on behalf of the user.
The surrogate system communicates with or without the settlement machine or payment machine of the system via another communication device, whereby the payment machine or payment machine of the system sends a payment completion signal to the substitute system. An electronic payment-compatible service provision system received from is provided.

According to this system, if the type of electronic payment available to the user does not match the type of electronic payment available to the system, the type of electronic payment available to the user among the plurality of second systems. The type of electronic payment that covers the above is automatically selected, and the selected second system functions as a payment means for the system, so that the system can be used in a pseudo manner. It becomes possible to correspond to.

As a result, this system can correspond to substantially any kind of electronic payment that can be used by the user in a pseudo manner, and the convenience of the user in the payment procedure is improved.

That is, according to this system, not only one type of electronic payment is realized, but also so-called multi-payment in which a plurality of types of electronic payments are realized in a pseudo manner even though the system is the same.

According to the present invention, the following aspects can be obtained. Each aspect is divided into sections, each section is numbered, and if necessary, the numbers of other sections are cited. This is to facilitate understanding of some of the technical features that can be adopted by the present invention and combinations thereof, and the technical features that can be adopted by the present invention and combinations thereof are limited to the following aspects. Should not be interpreted as. That is, it should be interpreted that it is not hindered from appropriately extracting and adopting the technical features described in the present specification as the technical features of the present invention, which are not described in the following aspects.

Furthermore, describing each section in the form of quoting the numbers of the other sections does not necessarily prevent the technical features described in each section from being separated and independent from the technical features described in the other sections. It does not mean, and it should be interpreted that the technical features described in each section can be made independent as appropriate according to their properties.

(1) A system that provides users with certain goods or services or movables or real estate.
A payment machine that enables non-electronic payments such as cash payments or card payments by users,
Management servers that exist arbitrarily, including those that can communicate with the checkout machine,
The system alone does not support electronic payment, but it is a second system that provides users with goods or services of the same type or different type as the system, movable property, or real estate, and supports electronic payment. By collaborating, execute the pseudo electronic payment mode,
The second system is
A second management server that can communicate with the user's communication terminal,
A payment server that enables electronic payment by a user, including a payment server that can communicate with the second management server.
In the pseudo-electronic payment mode, the system has another communication device (for example, when the system has the management server) in a state where the user's communication terminal impersonates a member of the second system. , For example, an electronic payment-compatible service providing system that accesses the second management server with or without passing through the management server), thereby performing electronic payment using the payment server.

(2) A system that provides users with certain goods or services or movables or real estate.
A payment machine that enables non-electronic payments such as cash payments or card payments by users,
A management server that exists arbitrarily, including a server that can communicate with the checkout machine.
The system alone executes a non-electronic payment mode that does not support electronic payment, and in the non-electronic payment mode, the user performs non-electronic payment using the payment machine.
The system executes a pseudo-electronic payment mode in collaboration with a second system that provides users with goods or services of the same or different types as the system or movables or real estate.
The second system is
A second management server that can communicate with the user's communication terminal,
A payment server that enables electronic payment by a user, including a payment server that can communicate with the second management server.
The second system executes an electronic payment mode corresponding to electronic payment by the second system alone, provided that the user is a member of the second system, and in the electronic payment mode, the second system executes an electronic payment mode. The user's communication terminal communicates with the second management server, thereby making an electronic payment using the payment server, and then the second management server transmits a payment completion signal to the communication terminal.
In the pseudo-electronic payment mode, the system is in a state where the user's communication terminal impersonates a member of the second system and another communication device (for example, when the system has the management server). Accesses the second management server with or without, for example, the management server), thereby making electronic payments using the payment server, and then the second management server An electronic payment-compatible service providing system that communicates with the payment machine with or without passing through another communication device, whereby the payment machine receives a payment completion signal.

(3) The service includes a service of renting a space for parking a vehicle including a bicycle, a car or a motorcycle to the user and / or a service of renting a vehicle including a bicycle, a car or a motorcycle to the user (1). ) Or the electronic payment compatible service providing system described in item (2).

(4) The service includes a service of renting a space for parking a vehicle including a bicycle, a car or a motorcycle in a parking lot to a user.
The system also
It is a delivery permission device that physically restricts vehicles entering the parking lot from leaving the parking lot until the payment by the user is completed, and physically permits the delivery of the vehicle when the payment by the user is completed. Including those controlled by the checkout machine
The electronic payment-compatible service providing system according to item (3), wherein when the payment machine receives the payment completion signal, it transmits a delivery permission signal to the delivery permission device.

(5) The service lends to the user a plurality of cabins, which are a plurality of spaces for the user to park a vehicle including a bicycle, a car, or a motorcycle in a parking lot, selected by the user. Including services to
The system also
The user's communication terminal identifies the parking lot when the pseudo-electronic payment mode is selected by the user in the warehousing stage where the vehicle enters the selected cabin or the warehousing stage where the vehicle leaves the selected cabin. A combination of the information for identifying the vehicle and the information for identifying the selected vehicle interior is acquired, and the spoofing member ID for accessing the second system as a member of the second system is added to the combination. The electronic payment according to any one of (1) to (4), which includes a spoofing access means for assigning and accessing the second system via or without the management server using the spoofing member ID. Corresponding service provision system.

(6) Furthermore
When the pseudo electronic payment mode is selected by the user, the user's communication terminal acquires the user ID of the user or information uniquely corresponding to the user, and the user ID or information is used as the second system. As a member of the second system, a spoofed member ID for accessing the second system of the second system is assigned, and the spoofed member ID is used with or without passing through another communication device. The electronic payment compatible service providing system according to any one of (1) to (4), which includes a spoofing access means for accessing.

(7) A program for operating a computer as a communication terminal in the electronic payment compatible service providing system according to any one of (1) to (6).

Throughout this specification, the term "program" may be interpreted to mean, for example, a combination of directives executed by a computer to perform its function, or not only a combination of those directives, but also each directive. It can be interpreted to include, but is not limited to, files and data processed according to.

In addition, this program may achieve its intended purpose by being executed by a computer alone, or it may achieve its intended purpose by being executed by a computer together with other programs. Yes, but not limited to them. In the latter case, the program according to this section may, but is not limited to, data-based.

(8) A program for operating a computer as a management server in the electronic payment compatible service providing system according to any one of (1) to (6).

(9) A program for operating a computer as a payment machine in the electronic payment compatible service providing system according to any one of (1) to (6).

(10) A recording medium on which a computer-readable recording of the program according to any one of (7) to (9) is performed.

Throughout the specification, the term "recording medium" can be interpreted to mean various types of recording media, such recording media being magnetic recordings such as, for example, flexible discs. It includes, but is not limited to, media, optical recording media such as CDs and CD-ROMs, magneto-optical recording media such as MOs, and unremovable storage such as ROMs.

(11) A system that provides users with certain goods or services or movables or real estate.
The first type of payment by the user (here, when the term "payment" is simply used, any type of payment such as cash payment, card payment, electronic payment, etc.) is possible, but the system alone is the second type. In collaboration with a second system that does not support types of payments and provides users with goods or services of the same or different types as the system, movables or real estate, and that supports the second type of payments. Run substitute payment mode,
In the substitute payment mode, the user's communication terminal accesses the second system with or without a communication device different from the communication terminal, thereby performing the second type of payment. Then, the second system communicates with the system via or without a communication device different from the second system, whereby the system sends a payment completion signal to the second system. An electronic payment-compatible service provision system received from is provided.

Here, as an example of the combination of "first type payment" and "second type payment", there are a combination of non-electronic payment and electronic payment and a combination of first type electronic payment and second type electronic payment. ..

FIG. 1 shows a parking lot management system according to an exemplary embodiment of the present invention that cannot support electronic payment by itself, and a second parking lot management system that can handle electronic payment by itself. It is a perspective view conceptually represented together with an object. FIG. 2 is a flowchart conceptually showing the operations of the transmitter, the user's mobile terminal, and the management server in the second parking lot management system shown in FIG. 1, which are performed at the warehousing stage. FIG. 2 is a flowchart conceptually showing the operations of the transmitter, the user's mobile terminal, and the management server in the second parking lot management system shown in FIG. 1, which are performed at the delivery stage. FIG. 4 shows three examples of communication procedures for enabling the parking lot management system shown in FIG. 1 to support electronic payment by partially using the second parking lot management system shown in the figure. It is a block diagram. FIG. 5 shows the operations of the checkout machine, the user's mobile terminal and management server in the parking lot management system shown in FIG. 1, and the management server and payment server in the second parking lot management system, respectively, and pseudo-electronic payment at the delivery stage. It is a flowchart which conceptually represents what is done to execute a mode. FIG. 6 is an example of a communication procedure for enabling the parking lot management system shown in FIG. 1 to support electronic payment by partially using the second parking lot management system shown in the figure. It is a block diagram which shows as the 4th communication procedure what partially modified the 2nd communication procedure shown in. FIG. 7 is a flowchart conceptually showing an example of a program executed by the parking lot management system shown in FIG. 1 in order to execute according to the fourth communication procedure shown in FIG. FIG. 8 conceptually represents a program that the parking lot management system shown in FIG. 1 executes to perform a code reading settlement in a simulated manner with the help of a second parking lot management system shown in FIG. It is a flowchart. FIG. 9 is a flowchart conceptually representing another example of a program that the parking lot management system shown in FIG. 1 executes to execute according to the fourth communication procedure shown in FIG. FIG. 10 is a functional block diagram conceptually representing a multi-electronic payment system according to another exemplary embodiment of the present invention. FIG. 11 is a flowchart conceptually showing the operation of the multi-electronic payment system shown in FIG. FIG. 12 conceptually represents an example of information related to an electronic payment request for the multi-electronic payment system shown in FIG. FIG. 13 is a flowchart conceptually showing a modified example of the operation of the multi-electronic payment system shown in FIG. FIG. 14 conceptually represents an example of electronic payment request-related information for the multi-electronic payment system shown in FIG.

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

<Overall configuration>

In FIG. 1, a pseudo-electronic payment compatible parking lot management system 10 (hereinafter, simply referred to as “system 10”) according to an exemplary embodiment of the present invention is provided as an electronic payment compatible second parking lot management system. It is shown with the system 110 (hereinafter simply referred to as "system 110"). The system 10 is an example of an electronic payment compatible service providing system according to an embodiment of the present invention. Further, the system 10 implements a parking lot management method according to an embodiment of the present invention, and the parking lot management method is an example of a pseudo-electronic payment compatible service providing method according to an embodiment of the present invention.

The system 10 executes a non-electronic payment mode that does not support electronic payment by itself. In the non-electronic payment mode, the user makes a non-electronic payment using the payment machine 30 in the system 10. One example of non-electronic payment is cash payment, and another example is prepaid IC card payment (also simply referred to as "card payment").

Further, the system 10 executes a pseudo electronic payment mode in cooperation with a second system 110 that provides a service of the same type as the system to the user. In the pseudo-electronic payment mode, the user makes an electronic payment using the management server 140 and the payment server 160 in the second system 110 by using his / her own mobile terminal (an example of the communication terminal) 90.

Throughout the application documents, electronic payment is also referred to as "smartphone payment (abbreviated as" smartphone payment ")" and means all types of payments made by the user using the mobile terminal 90.

In this electronic payment, for example, a user can use a mobile terminal 90 for a credit card payment, a prepaid or post-pay electronic money payment, a two-dimensional bar code such as a QR code (registered trademark), or a payment code such as a one-dimensional bar code. Code-reading payment (“QR code (registered trademark) payment”, “code” that is read by the camera and paid by the user or the user's credit card linked to the mobile terminal 90 or electronic money charged in advance by the user. It is also called "payment" etc.).

In the present embodiment, when the "code reading payment" is adopted as the electronic payment, the "code reading payment" may be executed by the prepaid method or the postpay method.

Based on the above definition, as a criterion for distinguishing between electronic payment and non-electronic payment, for example, the payment performed by the user operating the mobile terminal 90 is electronic payment, and the user operates the mobile terminal 90. A criterion is adopted that payments made without payment are non-electronic payments. When this criterion is adopted, whether the user's monetary value (monetary value) consumed for electronic payment is expressed by the cash existing in the user's bank account, or the prepaid method for each virtual account by the user. Or it does not matter whether it is expressed by electronic money charged by the postpay method.

The system 10 is a postpaid system that allows the user to leave the parking lot 20 on condition that the user pays a postpaid parking fee commensurate with the length of time the user actually parks. However, instead of this, the system 10 causes the user to pay a prepaid parking fee in an amount commensurate with the length of the parking time desired by the user (for example, the scheduled parking time) prior to the start of use of the parking lot 20. As a condition, it is also possible to adopt a prepaid system that allows the user to use the parking lot 20.

<Configuration of system 10>

With reference to FIG. 1, the system 10 is a system for managing the parking lot 20. There are a plurality of vehicle compartments 22 in the parking lot 20. One vehicle is parked in each cabin 22. A delivery permission device 24 is installed in each of the vehicle compartments 22.

In addition to the definition of the term "vehicle", the term "vehicle" should be interpreted as a term that includes not only automobiles but also all types of moving objects such as bicycles and motorcycles.

An example of the exit permission device 24 is a vehicle presence / absence sensor (for example, a loop coil buried in the ground, a parking lot) that detects the presence of a vehicle in the corresponding cabin 22 (such as the entry of a vehicle into the corresponding cabin 22). (Photo sensor installed so as to be exposed on the support surface of 20) and the vehicle in the cabin 22 are allowed to leave the vehicle in a warehousing state and warehousing to prevent the vehicle from leaving the cab 22. It has a mechanical part having an obstacle plate (flap, elevating tool, vehicle stopper, wheel stopper, etc.) as a movable member that switches to a delivery permission state.

When the presence / absence sensor of the vehicle detects the presence of the vehicle, the mechanism unit shifts the obstruction plate to a state of blocking exit by, for example, raising or tilting the obstruction plate, while when the user pays the postpaid parking fee, the obstruction The board is moved to the delivery permission state by, for example, lowering or leveling.

In the present embodiment, the checkout machine 30 is commonly installed in the plurality of vehicle compartments 22. The checkout machine 30 communicates with the vehicle presence / absence sensor for each of the cabins 22 and monitors the presence / absence of the vehicle in each cabin 22 based on the signal from the vehicle presence / absence sensor. Further, the settlement machine 30 is commonly installed in the plurality of delivery permission devices 24. The checkout machine 30 communicates with the mechanism unit for each vehicle interior 22, and appropriately switches the mechanism unit between a delivery permission state and a delivery prevention state. The settlement machine 30 may be mainly composed of a sequencer or a computer as a main body.

In another example, the exit permission device 24 is commonly installed in the plurality of vehicle compartments 22. The exit permission device 24 has, for example, a mechanism for opening and closing the gate at the entrance / exit of the parking lot 20.

It is not indispensable to install the exit permission device 24 in the parking lot 20 in order to carry out the present invention, and the present invention is applied to the parking lot 20 which is a postpaid type but does not have the exit permission device 24. It is possible.

The system 10 also has a management server 40. The management server 40 is operated, for example, by a parking lot management company that manages the parking lot 20 on behalf of the owner who owns the parking lot 20.

In the non-electronic payment mode, the management server 40 performs communication (for example, wireless communication) only with the payment machine 30, thereby providing a function of remotely monitoring the operating status of the parking lot 20 in real time. Realize multiple functions including.

On the other hand, in the pseudo electronic payment mode, the management server 40 communicates with each of the user's mobile terminal 90 and the management server 140 (an example of the second management server) of the second system 110 (for example). , Wireless communication), so that the system 10 alone cannot support electronic payments, but the user legally impersonates a member of the second system 110 and legally acts on the second system 110. It provides access and thereby realizes multiple functions, including a spoofing access function that enables electronic payments.

<Configuration of mobile terminal 90>

The user's mobile terminal 90 is, for example, a device carried by the user and having a wireless communication function, such as a mobile phone, a smartphone, a laptop computer, a tablet computer, a PDA, or the like. Further, the mobile terminal 90 is an example of a user's communication terminal, and the communication terminal may be one that is not carried by the user, for example, an in-vehicle communication terminal.

The mobile terminal 90 is mainly composed of a processor and a computer having a memory for storing a plurality of applications executed by the processor.

The mobile terminal 90 further comprises a display unit (for example, a liquid crystal display) that displays information on the screen, a receiving unit that receives a signal from an external communication device, and an external communication that generates a signal. It has a transmitter that transmits to the device.

The mobile terminal 90 further has an input unit for inputting data and commands from the user. The input unit has, for example, an operation unit that can be operated by the user in order to input desired information (for example, a command, data, etc.) into the mobile terminal 90.

The operation unit includes a touch screen (means that enables manual input of data) that displays some icons (for example, virtual buttons) that can be operated by the user, and a physical operation unit that can be operated by the user. (For example, means for manually inputting data such as keyboards, keypads, buttons, etc.), microphones for detecting voice (means for enabling voice input of data), etc., but are not limited to these. ..

The mobile terminal 90 is a camera (to be exact, a digital camera, but grasped as a kind of image sensor) that captures an image and converts the captured image into an electric signal as another type of input unit. May be). By using the camera, the mobile terminal 90 can display not only landscapes, people, and other objects, but also codes such as QR codes (registered trademarks) and barcodes, and numeric symbol strings regardless of whether they are encrypted or not. It can be imported as image data.

The mobile terminal 90 further has a GPS (satellite positioning system) receiver. As is well known, a GPS receiver receives a plurality of GPS signals from a plurality of GPS satellites, and triangulates the position (latitude, longitude and altitude) of the GPS receiver on the earth based on the GPS signals. Measured by.

<Configuration of second system 110>

As shown in FIG. 1, the second system 110, like the system 10, is configured to manage a postpaid parking lot 120. The parking lot 120 also has a plurality of cabins 122.

In the parking lot 120, one transmitter 130 is commonly installed in a plurality of vehicle compartments 122. In another example, although not shown, a plurality of transmitters 130, which are smaller than the number of the cabins 122, are installed in association with each of the plurality of cabins. In yet another example, although not shown, the same number of transmitters 130 as the passenger compartment 122 are installed in each passenger compartment 122, respectively.

In the example shown in FIG. 1, one transmitter 130 is associated with one parking lot 120, and all cabins 122 are also associated with it. Therefore, if the transmitter 130 is identified by the user's mobile terminal 190, the location of the parking lot 120 associated with it, that is, the parking lot code (or parking lot ID) and existence of the parking lot 120 selected by the user. The location (place name, geographical location, etc.) is known, but the location of one cabin 122 selected by the user is unknown.

The mobile terminal 190 has the same configuration as the mobile terminal 90 described above. Therefore, the duplicate description of the mobile terminal 190 will be omitted.

In this second system 110, the user can only select the electronic payment mode, not the non-electronic payment mode. In this embodiment, electronic payment is typically defined as a term meaning the aforementioned credit card payment.

<Configuration of transmitter 130>

First, conceptually, the transmitter 130 is a non-contact or contact (proximity) communication device that transmits an identification signal capable of identifying a unique transmitter code (or transmitter ID).

The user's mobile terminal 190 receives the identification signal from the transmitter 130 exclusively in one direction and in a short-range wireless communication method. The distance at which the mobile terminal 190 can receive the signal from the transmitter 130, that is, the reception radius (for example, 0 m to about 50 m) is variably set on the mobile terminal 190 by software. The area surrounded by a circle having the reception radius is referred to as a receivable area or a reception area.

The transmitter 130 is usually fixedly installed in the corresponding parking lot 120 so that it cannot be moved, but it can also be movably installed so that it can be moved at any time. Further, although it is sufficient that the transmitter 130 has at least a transmitting function, the transmitter 130 may be configured to also have a receiving function, if necessary.

Next, to explain the operation method, the transmitter 130 actively, locally, and permanently transmits a unique identification signal without requiring an external trigger signal as long as the power supply is not insufficient. To do.

The transmitter 130 is a device that is generally known as a beacon device that transmits a beacon signal as an identification signal, a radio beacon, or the like. In one example, the transmitter 130 generates an identification signal representing the corresponding transmitter code by modulating the original signal, and the generated identification signal is used as an IR signal, a Bluetooth (registered trademark) signal, or an NFC. (Near field communication) Transmit locally as a signal.

Next, to explain the hardware configuration without referring to the figure, the transmitter 130 is mainly composed of a processor and a computer having a memory for storing a plurality of applications executed by the processor.

<Configuration of management server 140>

The second system 110 further has a management server 140. The management server 140 communicates with the user's mobile terminal 190 in both directions and in a long-distance wireless communication method.

To explain the hardware configuration without referring to the figure, the management server 140 is mainly composed of a processor and a computer having a memory for storing a plurality of applications executed by the processor.

Specifically, the management server 140 includes a receiving unit that receives a signal from the mobile terminal 190, a transmitting unit that generates a signal and transmits the signal to the mobile terminal 190, and a clock that measures the current time. Have. The management server 140 does not directly receive from the transmitter 130, but substantially via the mobile terminal 190.

<Operation of the second system 110>

Next, the operation of the second system 110 will be described with reference to FIGS. 2 and 3.

<Warehousing stage>

First, by referring to FIG. 2, in order to explain the operation of the second system 110 in the warehousing stage in which the vehicle is warehousing in any of the cabin 122, the user may use this parking lot utilization program on the mobile terminal 190. When activated, first, the mobile terminal 190 makes a login request for logging in to the management server 140, together with a member ID indicating that the user is a qualified member to use the second system 110, and the management server 140. Send to.

On the other hand, the management server 140 receives the login request together with the member ID in step S231, and then refers to the member database in the memory of the management server 140 in step S232. Determines if is a legitimate member.

If the current user is a regular member, the determination in step S232 is YES, and in step S233, a login completion signal indicating login completion is returned to the user's mobile terminal 190. If the user this time is a legitimate member, the credit card number or bank account number associated with the user is stored in the memory of the management server 140 in advance in association with the user. On the other hand, if the user this time is not a regular member, the determination in step S232 becomes NO, the process returns to step S231, and the input of the regular member ID is awaited.

After that, the mobile terminal 190 receives the login completion signal in step S211 and executes step S212 at this timing, thereby transmitting a signal from the transmitter 130 installed in the parking lot 120 where the user is currently present. Receive.

Subsequently, in step S213, the mobile terminal 190 extracts the transmitter code corresponding to the transmitter 130 from the signal received from the transmitter 130 this time. After that, in step S214, the mobile terminal 190 makes the extracted transmission according to the predetermined relationship between the transmitter code and the parking lot code and stored in the memory of the mobile terminal 190. Convert the machine code to the corresponding parking code. As a result, the parking lot 120 in which the user has entered the parking lot 120 is specified.

Subsequently, in step S215, the mobile terminal 190 displays a warehousing button on its own screen in order to confirm the warehousing intention by the user. When the user touches the warehousing button, it is determined that the user has an intention to warehousing, and in step S216, the warehousing request for the user to request warehousing, the parking lot code, and the member ID are managed in association with each other. Send to server 140. After that, in step S217, the mobile terminal 190 stores the current parking lot code in the memory of the mobile terminal 190 as a warehousing parking lot code for later reference.

On the other hand, in step S234, the management server 140 receives the warehousing request, the parking lot code, and the member ID in association with each other, and subsequently, in step S235, measures the current time by using the clock. .. After that, the management server 140 handles the measured current time as the warehousing time in step S236, and subsequently, in step S237, the management server 140 associates the warehousing time with the member ID and stores it in the memory of the management server 140. As a result, the member ID, the ID of the parking lot 20, and the warehousing time are associated with each other and stored in the memory of the management server 140.

<Delivery stage>

Next, in order to explain the operation of the second system 110 in the warehousing stage in which the vehicle leaves the parking lot 122 by referring to FIG. 3, the user's mobile terminal 190 first in step S311. The signal is received from the transmitter 130 installed in the parking lot 120 where the user is currently present. Next, in step S312, the mobile terminal 190 extracts the transmitter code corresponding to the transmitter 130 from the signal received from the transmitter 130.

After that, in step S313, the mobile terminal 190 makes the extracted transmission according to the predetermined relationship between the transmitter code and the parking lot code and stored in the memory of the mobile terminal 190. Convert the machine code to the corresponding parking code. As a result, the parking lot 120 where the user is currently present, that is, the parking lot 120 where the user wants to leave the parking lot is specified.

Subsequently, in step S314, the mobile terminal 190 reads the already stored parking lot code from the memory of the mobile terminal 190, and the converted parking lot code, that is, the exit parking lot code matches each other. Determine whether or not to do so. If they match, the determination in step S314 becomes YES, and the process proceeds to step S315. If they do not match, the determination becomes NO, the process returns to step S311 and the acquisition of the correct parking lot code is awaited.

Subsequently, in step S315, the mobile terminal 190 displays a warehousing button on its own screen in order to confirm the user's intention to warehousing. When the user touches the warehousing button, it is determined that the user has an intention to warehousing, and in step S316, the warehousing request, the warehousing parking lot code, and the member ID are associated with each other and transmitted to the management server 140.

On the other hand, in step S331, the management server 140 receives the issue request, the issue parking lot code, and the member ID in association with each other, and subsequently, in step S332, the received issue parking lot code and the member ID are received. By determining whether or not the same combination as the above is present in the memory of the management server 140, it is determined whether or not the current user and the current parking lot 120 are authenticated as legitimate ones, respectively.

After that, when the authentication is successful, the management server 140 measures the current time by using the clock in step S333. After that, the management server 140 handles step S334 with the measured current time as the warehousing time, and subsequently, in step S335, the warehousing time stored in the memory of the management server 140 in association with the current member ID. Is read from the memory, and the parking time is calculated by subtracting the warehousing time from the warehousing time.

After that, the management server 140 is calculated according to the predetermined relationship between the length of the parking time and the amount of the parking fee in step S336 and stored in the memory of the management server 140. Calculate the parking fee commensurate with the length of parking time. Subsequently, the management server 140 transmits the calculated parking fee amount to the user's mobile terminal 190.

On the other hand, the mobile terminal 190 receives the parking fee amount in step S317, and subsequently displays the parking fee amount on the screen in step S318.

On the other hand, after the execution of step S336, the management server 140 makes a payment request for electronic payment for the parking fee in step S337 with information necessary for electronic payment (for example, the above-mentioned credit card associated with the user). The number is sent to the payment server 160 together with the number of the bank account.

On the other hand, the payment server 160 receives the payment request in step S351, and subsequently performs electronic payment with the contents specified in step S352. Subsequently, the payment server 160 transmits a payment completion signal indicating that the electronic payment is completed to the management server 140 in step S353.

On the other hand, the management server 140 receives the settlement completion signal in step S338, and subsequently transmits the delivery permission signal (or settlement completion signal) to the mobile terminal 190 in step S339.

On the other hand, in step S319, the mobile terminal 190 receives the exit permission signal (or payment completion signal), and as a result, the parking fee for this time is paid by electronic payment, so that the mobile terminal 190 receives the signal from the parking lot 120 this time. The user will know that he / she has the authority to issue the goods properly.

<Operation of system 10>

<Warehousing stage>

To explain the operation of the system 10, when the corresponding vehicle presence / absence sensor detects the vehicle in the warehousing stage where the vehicle enters one of the vehicle compartments 22, a signal indicating that is transmitted to the checkout machine 30. .. The checkout machine 30 measures the time at that time as the warehousing time, and records that the warehousing is in any of the cabins 22 (in association with the garage number) at the warehousing time. As a result, the warehousing time and the number of the passenger compartment 22 (or the passenger compartment ID) are linked.

The checkout machine 30 further associates the warehousing time with the number of the passenger compartment 22 (or the passenger compartment ID) and transmits the data to the management server 40, and the management server 40 stores the data in association with each other. As a result, the management server 40 can monitor the operating status of the parking lot 20 in real time. The management server 40 is configured to centrally manage a plurality of parking lots 20 so as to monitor the operating status of other parking lots 20 as well.

<Delivery stage>

<Non-electronic payment mode>

On the other hand, in the warehousing stage in which the vehicle leaves the garage 22 from any of the cabins 22, the user first enters the non-electronic payment mode and the pseudo-electronic payment mode (this mode is apparently to the user by the system 10). Select one of (recognized as the realized electronic payment mode).

When the non-electronic payment mode is selected, the user inputs the number of his / her cabin 22 into the checkout machine 30, and upon receiving the number, the checkout machine 30 measures the time as the delivery time and records the above. The elapsed time from the warehousing time to the warehousing time is calculated as the parking time, and the postpaid parking fee corresponding to the length is calculated.

When the user pays the parking fee to the checkout machine 30 using cash or a prepaid card, the checkout machine 30 switches the delivery permission device 24 corresponding to the passenger compartment 22 this time from the delivery prevention state to the delivery permission state. .. As a result, the user can take the vehicle out of the passenger compartment 22 this time. In this way, at the delivery stage, the amount of the parking fee is specified using the number of the passenger compartment 22 input to the checkout machine 30 by the user as a key.

<Pseudo electronic payment mode>

On the other hand, when the pseudo electronic payment mode is selected, the user activates the pseudo electronic payment program pre-installed on the mobile terminal 90.

<Variations of communication procedures between systems>

The pseudo-electronic payment program will be described in detail later with reference to FIG. 5, but generally, in the pseudo-electronic payment mode, the calculation of the postpaid parking fee is settled as shown in the top column of FIG. The management server 40 performs on behalf of the machine 30 (first communication procedure), but instead of this, the charge calculation is performed on behalf of the payment machine 30 as shown in the central column of FIG. There is a possibility that the management server 140 of the system 110 performs (second communication procedure) and a possibility that the settlement machine 30 still performs (third communication procedure) as shown in the bottom column of FIG. To do.

Here, the three communication procedures shown in FIG. 4 will be described. In any of the communication procedures, a combination of the management server 40, the management server 140, and the payment server 160 is used between the mobile terminal 90 and the payment machine 30 ( In the figure, the three elements or servers existing in the area surrounded by the broken line) make electronic payment by partially using the second system 110 for the system 10 which cannot support electronic payment by the system 10 alone. It exists to function so as to be compatible with, and in that sense, the combination is also referred to as an electronic payment realization means.

In this electronic payment realization means, the management server 40 is also referred to as an "actual management server" in the sense that it is an actual management server in the system 10. On the other hand, the management server 140 is a "spoofing management server" in the sense that it actually exists in the second system 110, not in the system 10, and is regarded as a management server that actually exists in the system 10 from the user's point of view. Also called.

Next, these communication procedures will be described individually.

<First communication procedure>

First, in the first communication procedure, as shown in the uppermost column of FIG. 4, the mobile terminal 90 wirelessly communicates with the actual management server 40 (for example, via a telephone line network), whereby the actual operation is performed. Have the management server 40 calculate the parking fee (also referred to as "charge calculation").

When the charge calculation is completed, the actual management server 40 connects to the payment server 160 via the spoofing management server 140, whereby the payment server 160 is made to perform electronic payment. When the electronic payment is completed, the actual management server 40 transmits a delivery permission signal to the delivery permission device 24 via the checkout machine 30, thereby permitting the user to issue the goods.

At this time, the actual management server 40 further transmits the calculated amount of the parking fee to the settlement machine 30, and the settlement machine 30 receives the parking fee on its own screen (for example, LCD, touch panel). The amount is displayed as it is without encrypting the number string representing the amount, or encrypted as the above-mentioned QR code (registered trademark), barcode, number symbol string selected using the random number table, etc. It may be displayed.

The encrypted information is taken in as image data representing the encryption by using the camera of the mobile terminal 90. The captured cipher is decrypted using a cryptanalysis application of the mobile terminal 90 (an application that converts between the original data and the encrypted data), whereby the original data representing the parking fee is restored. As a result, the user and the mobile terminal 90 can recognize the amount of the parking fee.

As described above, the technology for displaying the amount of the parking fee to the user or transmitting it to the mobile terminal 90 as printing or radio waves (for example, transmitting by the Bluetooth (registered trademark) communication method) will be described later. It can also be used in other communication procedures.

Here, regarding the communication between the management server 40, the settlement machine 30, and the delivery permission device 24, in the example shown in FIG. 4, the actual management server 40 transmits a delivery permission signal to the settlement machine 30 and responds to the communication. , The settlement machine 30 transmits a delivery permission signal to the delivery permission device 24.

Instead, the actual management server 40 receives the payment completion signal from the payment server 60, transmits a payment completion signal indicating that the electronic payment by the user is completed, to the payment machine 30, and in response, the payment is made. The machine 30 may transmit a delivery permission signal to the delivery permission device 24.

In any case, both the "payment completion signal" and the "delivery permission signal" are motivated by the completion of the electronic payment by the user in an environment in which the user is allowed to issue the goods once the electronic payment by the user is completed. Since it is a signal indicating that the user is allowed to issue the goods, the names are different, but the actual meanings are the same. Therefore, there is no problem even if the "delivery permission signal" in the example shown in FIG. 4 is read as the "settlement completion signal".

<Second communication procedure>

Next, in the second communication procedure, as shown in the central column of FIG. 4, the mobile terminal 90 performs wireless communication (for example, via a telephone line network) with the spoofing management server 140, whereby The spoofing management server 140 is made to calculate the parking fee (also referred to as "charge calculation").

When the charge calculation is completed, the spoofing management server 140 connects to the payment server 160, thereby enabling the user to make an electronic payment. When the electronic payment is completed, the spoofing management server 140 notifies the actual management server 40 of the completion of the electronic payment and responds to it, and the actual management server 40 sends a delivery permission signal to the delivery permission device 24 via the settlement machine 30. Send, which allows the user to issue the goods.

<Third communication procedure>

Further, in the third communication procedure, as shown in the bottom column of FIG. 4, the mobile terminal 90 wirelessly communicates with the settlement machine 30 (for example, by the Bluetooth (registered trademark) communication method), thereby performing wireless communication. The mobile terminal 90 causes the settlement machine 30 to calculate the parking time and the parking fee, and further causes the mobile terminal 90 to return the calculated parking fee.

After that, the mobile terminal 90 performs wireless communication (for example, via a telephone line network) with the spoofing management server 140, and in response to this, the spoofing management server 140 connects to the payment server 160, whereby the user Enables electronic payment by. When the electronic payment is completed, the spoofing management server 140 notifies the actual management server 40 of the completion of the electronic payment and responds to it, and the actual management server 40 sends a delivery permission signal to the delivery permission device 24 via the settlement machine 30. Send, which allows the user to issue the goods.

<Specific example of pseudo electronic payment mode>

Next, by referring to FIG. 5, the settlement machine 30, the mobile terminal 90, the management server 40, and the second system 10 when the pseudo-electronic payment mode is executed according to the first communication procedure described above in the delivery stage. The operation of the management server 140 and the payment server 160 of the system 110 will be described.

Of the plurality of steps shown in FIG. 5, the time series of those executed on the mobile terminal 90 corresponds to the above-mentioned pseudo-electronic payment program, and the time series of those executed on the management server 40 is actually managed. It corresponds to the pseudo-electronic payment program for the server, and the time series of what is executed on the management server 140 corresponds to the pseudo-electronic payment management program for the spoofing management server, and is executed on the payment server 160. The time series of things corresponds to an electronic payment program.

When the user activates the pseudo-electronic payment program on the mobile terminal 90, first, in step S511, in order to confirm the intention of the user to issue the goods (delivery in the pseudo-electronic payment mode instead of the non-electronic payment mode). In addition, a delivery button is displayed on its own screen. Next, in step S512, it is determined whether or not the user has operated (for example, touched) the delivery button. When the issue button is operated, the determination is YES, and it is determined that the user has an intention to issue the issue.

Subsequently, in step S513, the mobile terminal 90 inputs to the user parking lot identification information for identifying the parking lot 20, for example, a parking lot code, in order to identify the parking lot 20 in which the user is currently located. To urge. In contrast, the user enters the relevant parking code into the mobile terminal 90 manually (eg, by the manual or voice input) or semi-automatically or fully automatically (in a manner assisted by the mobile terminal 90). To do.

In the first example of the parking lot code input support method, the mobile terminal 90 measures the current position at the position of the parking lot 20 this time by using the GPS function, and also has a plurality of parking lots 20 and a plurality of parking lots 20. Those located in the vicinity of the measured current position among the plurality of map positions according to a predetermined relationship with the map position and stored in the memory of the mobile terminal 90. At least one parking lot 20 corresponding to the above is presented to the user as a candidate for the parking lot 20 this time.

In this first example, when the user selects one of the parking lots 20 on the mobile terminal 90, the parking lot code corresponding to the parking lot 20 is input to the mobile terminal 90.

In the second example of the parking lot code input support method, the mobile terminal 90 performs wireless communication (for example, by a Bluetooth (registered trademark) communication method) with the settlement machine 30, and at this time, the settlement machine 30 is the same. A signal representing the parking lot code corresponding to the parking lot 20 in which the payment machine 30 is installed is returned to the mobile terminal 90. As a result, the user can input the parking lot code of the current parking lot 20 into the mobile terminal 90.

In the third example of the parking lot code input support method, the camera of the mobile terminal 90 has an identification mark, for example, a computer-readable pattern or image (for example,) attached to each of the checkout machine 30 or the passenger compartment 22. A one-dimensional code such as a bar code, a two-dimensional code such as a QR code (registered trademark), etc.) is read, and the read result is converted into a parking lot code corresponding to the parking lot 20 this time. As a result, the user can input the parking lot code of the current parking lot 20 into the mobile terminal 90.

Subsequently, in step S514, the mobile terminal 90 identifies the passenger compartment 22 to the user in order to identify the passenger compartment 22 in which the user's vehicle is currently parked in the parking lot 20 where the user is currently present. You will be prompted to enter the vehicle compartment identification information, for example, the vehicle compartment number. On the other hand, the user inputs the corresponding cabin number into the mobile terminal 90 manually (for example, by the manual input or the voice input) or semi-automatically or fully automatically (in a manner assisted by the mobile terminal 90). To do.

In an example of the vehicle interior number input support method, the camera of the mobile terminal 90 has an identification mark attached to each vehicle compartment 22, for example, a computer-readable pattern (for example, a bar code or a QR code (registered trademark)). (Two-dimensional code, etc.) is read, and the read result is converted into the vehicle interior number corresponding to the vehicle interior 22 this time. As a result, the user can input the cabin number of the passenger compartment 22 in which the user's vehicle is currently parked into the mobile terminal 90.

Here, the "identification mark" may be configured as a multipurpose identification mark including both the identification mark of the passenger compartment 22 and the identification mark of the parking lot 20. In this case, the camera of the mobile terminal 90 reads the multipurpose identification mark attached to each vehicle compartment 22, and the reading result is transmitted to the parking lot code corresponding to the parking lot 20 this time and the vehicle compartment 22 this time. Convert to a combination with the corresponding cabin number.

According to this exemplary input support method, the user can use the mobile terminal 90 at once with the parking lot code of the parking lot 20 in which the user is currently located and the parking lot number of the vehicle compartment 22 in which the user is currently parked. Can be entered in.

After that, in step S515, the mobile terminal 90 uses the current user (accurately) in order for the current user to legally access the second system 110 in order to use the electronic payment means of the second system 110. Assigns one spoofing member ID to the combination of the parking lot code this time and the cabin number this time). The spoofing member ID is set to be different for each user.

By the way, a user who wishes to use the second system 110 for the original purpose of parking a vehicle is required to be registered in advance as a member of the second system 110. However, the user of the system 10 is not required to be a member of the second system 110 in order to use the system 10.

Therefore, in the present embodiment, the data processing of the mobile terminal 90 allows the user to temporarily become a member of the second system 110 regardless of the intention of the user of the system 10 and without being noticed by the user. Impersonate. This qualification as a spoofing member is automatically extinguished when the user finishes using the system 10 this time (when the parking fee is paid by pseudo electronic payment).

In order to perform the spoofing process, the memory of the mobile terminal 90 is not assigned to a plurality of virtual member IDs, that is, any user of the second system 110, but is carried for the purpose of electronic payment only. What allows the terminal 90 to access the second system 110 is stored. The same virtual member IDs are also stored in the memory of the second system 110, so that the second system 110 can authenticate the member of the user of the system 10.

Each time the mobile terminal 90 receives a delivery request in the pseudo-electronic payment mode from the user, one of the virtual member IDs is used in the same mobile terminal 90 or in another mobile terminal 90. Select it so that it does not overlap with the one, and assign it to this user. As a result, the parking lot code this time, the cabin number this time, and the spoofing member ID this time are linked to each other. When each mobile terminal 90 selects a certain spoofing member ID, the management server 40 transmits the result to the management server 40, and the management server 40 provides information to the other mobile terminals 90 so as not to select the same spoofing member ID. To do.

After that, in step S516, the mobile terminal 90 manages the issue request for the user to request the issue (delivery in the pseudo-electronic payment mode instead of the non-electronic payment mode), the parking lot code, and the cabin number in association with each other. Send to server 40.

Since the user this time is not a true member for the second system 110 and is not a member forcibly registered this time, the management server 140 is the credit card number associated with the user this time. I don't know. Therefore, in the present embodiment, the mobile terminal 90 further transmits the credit card number associated with the user this time to the management server 40 as electronic payment information necessary for electronic payment.

On the other hand, in step S531, the management server 40 receives the delivery request, the parking lot code, the vehicle room number, and the electronic payment information in association with each other.

Subsequently, the management server 40 measures the current time in step S532 by using the clock. After that, the management server 40 treats the measured current time as the warehousing time, and then reads the warehousing time stored in the memory of the management server 40 in association with the vehicle interior number this time from the memory, and the above-mentioned The parking time is calculated by subtracting the warehousing time from the warehousing time.

After that, in step S533, the management server 40 is calculated according to a predetermined relationship between the length of the parking time and the amount of the parking fee, which is stored in the memory of the management server 40. Calculate the parking fee commensurate with the length of parking time. Subsequently, the management server 40 transmits the calculated parking fee amount to the user's mobile terminal 90 in step S534.

On the other hand, the mobile terminal 90 receives the parking fee amount in step S517, and subsequently displays the parking fee amount on the screen.

After that, in step S518, the mobile terminal 90 sets the amount of the parking fee, the electronic payment request for electronic payment for the parking fee, and the current spoofing member ID to the information necessary for electronic payment (the electronic payment information). To the management server 140 of the second system 110 together with.). Instead of this, the management server 40 may send the payment request to the management server 140 instead of the mobile terminal 90.

On the other hand, in step S551, the management server 140 receives the amount of the parking fee, the payment request, the current spoofing member ID, and the information necessary for electronic payment.

Subsequently, in step S552, the management server 140 determines whether or not a virtual member ID that matches the received spoofing member ID exists by referring to its own memory, and if so, determines whether or not there is a virtual member ID. The user is allowed to access the second system 110 for the purpose of electronic payment only. Membership authentication is performed.

After that, in step S553, the management server 140 transmits a payment request for electronic payment for the parking fee to the payment server 160 together with the information necessary for the electronic payment.

On the other hand, the payment server 160 receives the payment request in step S571, and subsequently performs electronic payment with the contents specified in step S572. Subsequently, in step S573, the payment server 160 transmits a payment completion signal indicating that the electronic payment has been completed to the management server 40.

On the other hand, the management server 40 receives the payment completion signal in step S535, and subsequently determines in step S536 that the settlement of the parking fee has been completed by electronic payment. After that, in step S537, the management server 40 transmits a delivery permission signal (or a settlement completion signal) to the checkout machine 30.

On the other hand, the checkout machine 30 receives the delivery permission signal (or payment completion signal) in step S501, and subsequently enables the user's vehicle to leave the vehicle compartment 22 this time in step S502. In order to do so, a delivery permission signal is transmitted to the delivery permission device 24. In response to the warehousing permission signal, the warehousing permit device 24 retracts (stores) the baffle plate from the working position to the non-acting position, thereby allowing the vehicle to exit the warehousing permit device 24.

<Fourth communication procedure>

For an example of the second communication procedure shown in the central column of FIG. 4, some modifications are proposed that differ in that the place where the charge calculation is performed is not the spoofing management server 140 but the actual management server 40. ..

<First modification of the fourth communication procedure>

In the first modification of the fourth communication procedure, a block diagram is illustrated as the fourth communication procedure in FIG. 6, and as conceptually represented by a flowchart in FIG. 7, first, in step S701, the user When the above-mentioned delivery button is operated, the mobile terminal 90 accesses the spoofing management server 140, thereby transmitting the combination of the parking lot identification information and the vehicle interior identification information to the spoofing management server 140.

Here, the "combination of the parking lot identification information and the vehicle interior identification information" is information for identifying the parking lot 20 used by the user this time and the vehicle compartment 22 in the parking lot 20, that is, the vehicle compartment identification information. , Information that individually identifies the current user, that is, information that uniquely corresponds to the current user, that is, information that is unique to the current user.

Subsequently, in step S702, the mobile terminal 90 further sets the credit card number (or bank account number) associated with the user to the information necessary for electronic payment (for example, the payment server 160 makes the credit card payment). It is transmitted to the spoofing management server 140 as electronic payment information necessary for performing the payment.

Next, in step S733, the spoofing management server 140 accesses the actual management server 40, thereby transmitting the vehicle interior identification information received from the mobile terminal 90 to the actual management server 40. In step S752, the actual management server 40 temporarily stores the received vehicle interior identification information in its own memory.

Subsequently, in step S753, the actual management server 40 specifies the parking lot 20 and the vehicle compartment 22 (hereinafter, referred to as “individual vehicle compartment position”) represented by the received vehicle compartment identification information.

After that, in step S754, the actual management server 40 calculates the actual parking time (the usage time of the vehicle compartment 22 by the user) by the user this time for the specified individual vehicle compartment position.

Specifically, as described above, the actual management server 40 actually records the warehousing time transmitted from the checkout machine 30 to the actual management server 40 in association with the passenger compartment 22 this time and recorded in association with the passenger compartment 22. Read from the memory of the management server 40, the read warehousing time and the warehousing time (for example, the time when the user operates the warehousing button on the screen of the mobile terminal 90, the time when the mobile terminal 90 accesses the spoofing management server 140. , Current time, etc.) and the length of parking time is calculated.

Then, in step S755, the actual management server 40 calculates a parking fee of an amount commensurate with the calculated length of the parking time with reference to a predetermined price list table (not shown).

Subsequently, in step S756, the actual management server 40 represents the calculated amount of the parking fee, and the spoofing management server 140 is the corresponding individual cabin position (for example, a combination of the parking lot 20 and the cabin 22) or the user ID. In association with, it is transmitted to the spoofing management server 140.

In this way, the spoofing management server 140 receives the amount of the parking fee this time individually for each user.

After that, in step S735, the spoofing management server 140 transmits an electronic payment request to the payment server 160. Further, in step S736, the spoofing management server 140 transmits the electronic payment information to the payment server 160. Further, in step S737, the spoofing management server 140 determines the amount represented by the received parking fee data as the settlement amount, and transmits the settlement amount data representing the settlement amount to the settlement server 160.

On the other hand, in step S774, the payment server 160 performs electronic payment (credit card payment) based on the received electronic payment information and payment amount data. After that, in step S775, a completion signal indicating that the electronic payment is completed is transmitted to the spoofing management server 140 and the actual management server 40. As a result, the spoofing management server 140 and the actual management server 40 know that the payment of the parking fee this time has been completed in the form of electronic payment.

On the other hand, in step S739, the spoofing management server 140 transmits a payment completion signal indicating that the electronic payment has been completed to the mobile terminal 90. As a result, the user knows that the electronic payment has been completed.

On the other hand, in step S758, the actual management server 40 transmits the settlement completion signal to the communication device in the settlement machine 30. As a result, the settlement machine 30 knows that the payment of the parking fee this time has been completed in the form of electronic payment.

<Second modification of the fourth communication procedure>

A second modification of the fourth communication procedure is illustrated in a block diagram as the fourth communication procedure in FIG. 6, and is conceptually shown in a flowchart in FIG. The flowchart will be described below, but duplicate description will be omitted for the elements common to the flowchart of FIG.

In the flowchart of FIG. 9, first, in step S901, when the above-mentioned delivery button is operated by the user, the mobile terminal 90 accesses the spoofing management server 140, whereby the vehicle interior identification information (the user this time) is used. Information that identifies the parking lot 20 used by the user and the vehicle compartment 22 in the parking lot 20) is transmitted to the spoofing management server 140.

On the other hand, the spoofing management server 140 receives the vehicle interior identification information from the mobile terminal 90 in step S931. The received vehicle interior identification information is stored in the memory of the spoofing management server 140. Subsequently, in step S932, the spoofing management server 140 transmits a charge information request for acquiring parking charge information regarding the parking charge to be charged to the user this time to the actual management server 40.

On the other hand, the actual management server 40 receives the charge information request from the spoofing management server 140 in step S951. Subsequently, in step S952, the actual management server 40 calculates the amount of the parking fee as in steps S754 and S755 described above and step S852 described above. After that, in step S953, the actual management server 40 transmits the charge information representing the amount of the parking charge to the spoofing management server 140.

On the other hand, the spoofing management server 140 receives the charge information from the actual management server 40 in step S933. The received charge information is stored in the memory of the spoofing management server 140. Subsequently, in step S934, the spoofing management server 140 transmits the received charge information to the mobile terminal 90.

On the other hand, the mobile terminal 90 receives the charge information from the spoofing management server 140 in step S902. Subsequently, in step S903, the mobile terminal 90 transmits the above-mentioned electronic payment information stored in its own memory to the spoofing management server 140.

On the other hand, the spoofing management server 140 receives the electronic payment information from the mobile terminal 90 in step S935. The received electronic payment information is stored in the memory of the spoofing management server 140. Subsequently, in step S936, the spoofing management server 140 transmits the electronic payment request to the payment server 160 together with the electronic payment information (for example, a credit card number) and the charge information (for example, the amount of the parking fee).

On the other hand, in step S971, the payment server 160 receives the electronic payment request, the electronic payment information, and the charge information in association with each other. Subsequently, in step S972, the payment server 160 performs electronic payment (credit card payment) based on various received information. After that, in step S973, the payment server 160 transmits an electronic payment completion signal indicating that the electronic payment has been completed to the spoofing management server 140.

On the other hand, in step S937, the spoofing management server 140 receives the electronic payment completion signal. As a result, the spoofing management server 140 knows that the payment of the parking fee this time has been completed in the form of electronic payment. Subsequently, in step S938, the spoofing management server 140 transmits the electronic payment completion signal to the mobile terminal 90 and the actual management server 40, respectively.

On the other hand, in step S904, the mobile terminal 90 receives the electronic payment completion signal from the spoofing management server 140. As a result, the user knows that the payment of the parking fee has been completed in the form of electronic payment.

Further, in step S954, the actual management server 40 receives the electronic payment completion signal from the spoofing management server 140. As a result, the actual management server 40 knows that the payment of the parking fee this time has been completed in the form of electronic payment. After that, in step S955, the actual management server 40 transmits the electronic payment completion signal to the communication device in the settlement machine 30. As a result, the settlement machine 30 knows that the payment of the parking fee this time has been completed in the form of electronic payment.

As is clear from the above description, according to the present embodiment, the payment system 10 that cannot support electronic payment is subjected to an additional burden on the payment system 10 by using another payment system 110 that can support electronic payment. It becomes easy to modify the payment system 10 to support electronic payment while suppressing the above.

Specifically, since the payment system 10 that cannot support electronic payment can perform electronic payment by using the electronic payment means of another payment system 110 that can support electronic payment, the payment system 10 The software configuration of the application, management server 40, and payment machine 30 to be installed on the mobile terminal 90 in order to modify the payment system to one that can support electronic payment (make the payment system 10 pseudo-compatible with electronic payment). It is sufficient to change the above relatively easily, and it is not necessary to add a new electronic payment means to the payment system 10.

In some of the embodiments described above, when the pseudo-electronic payment mode is selected by the user, the mobile terminal 90 selects the information (for example, the parking code) for identifying the parking lot 20 this time and the selection this time. The combination with the information for identifying the passenger compartment 22 (for example, the passenger compartment number) is acquired, and the combination is combined with the second management server 140 of the second system 110 as a member of the second system 110. It is designed to include a spoofing access means that assigns a spoofing member ID to access the server and uses the spoofing member ID to access the second management server 140.

Instead, when the pseudo-electronic payment mode is selected by the user, the mobile terminal 90 acquires the user ID of the user or information uniquely corresponding to the user (described later), and the user ID or the unique information. A spoofing member ID for accessing the second management server 140 of the second system 110 is assigned to the target correspondence information as a member of the second system 110, and the spoofing member ID is used to pass through the management server 40. Alternatively, it may be designed to include a spoofing access means for accessing the second management server 140 without going through it.

Here, as "information uniquely corresponding to the user (unique correspondence information)", for example, the telephone number, e-mail address, IP address of the mobile terminal 90, the registration number of the user's vehicle (number on the license plate, etc.) ) And other text (character / number string) information, and image information such as images of the user or his / her own vehicle. The "vehicle registration number" can be obtained by the user manually inputting a character / number string into the mobile terminal 90, or the user can capture an image including the vehicle license plate with the camera of the mobile terminal 90 and obtain the imaging result. It may be obtained by extracting a number from the mobile terminal 90 or another device by image recognition processing.

Although some embodiments described above are some examples when the present invention is applied to a service using a postpaid parking lot 20, the present invention uses a prepaid parking lot. It may be applied to the service.

Further, some embodiments described above provide the present invention to a parking lot service in which a user rents a space for parking a vehicle in a parking lot 20 managed by a business operator (parking lot management company). Although some examples of application, it is possible to apply the invention to other types of services.

Specifically, the present invention is applied to, for example, a service of renting a parking lot owned by an individual to another person in order to park another person's vehicle (so-called parking lot sharing service), or a business operator. It can be applied to a service that rents a vehicle to a user at a place (so-called vehicle rental service), or to a service that a business operator rents a vehicle to a user in an unmanned parking lot (so-called vehicle sharing service). It may be applied to a service of lending one's own vehicle to another person (so-called vehicle sharing service).

Further, the present invention may be applied to a service of renting a rental object, which is real estate or movable property, to a user.

An example of a real estate rental target is a coin locker. In this example, there are a non-electronic payment compatible coin locker and an electronic payment compatible coin locker system (including, for example, a coin locker having a communication function, a management server, and a payment server). When the present invention is applied to this example, a non-electronic payment compatible coin locker payment machine will pseudo-support electronic payment using an electronic payment compatible coin locker system.

Further, the present invention is a vending machine that sells beverages and other articles unattended and is compatible with non-electronic payments, and a vending machine system that supports electronic payments (for example, a vending machine having a communication function). When applied to an environment in which a management server and a payment server are present, for example, a payment machine for a non-electronic payment compatible vending machine can be used as an electronic payment compatible vending machine system. It will be used to support electronic payment in a pseudo manner.

Here, the "article" is a kind of article having physical value in itself, such as beverages, dishes, ball rental for pachinko machines, coins for slot machines, and coins for game machines. It has no physical value in use by itself, but may be an article (eg, a ticket, an admission ticket, a meal ticket, a token, a token) that proves that the user has certain authority.

The above-mentioned non-electronic payment compatible vending machine system includes a vending machine that provides a predetermined item in exchange for payment by a user, and optionally, the vending machine has a communication function. In some cases, it may further include a management server capable of communicating with the vending machine.

Examples of non-electronic payment compatible systems to which the present invention can be applied are unmanned ticket vending machines for transportation, which sell tickets when the user pays the price, and unmanned ticket vending machines installed in restaurants. There are items that sell meal tickets when the user pays the price, coin laundry systems that lend washing machines and dryers to users unattended, and payment terminals installed in commercial facilities that users purchase themselves. There are those that apply for and pay for it, and those that are unmanned rental machines installed in amusement facilities such as pachinko halls and slot machine halls and rent out the goods necessary for the game.

In some of the embodiments described above, the user of the system 10 is allowed to qualify as a member of the second system 110 without his / her knowledge, but he / she obtains his / her consent. Alternatively, the present invention may be implemented in such a manner that the user of the system 10 accesses the second system 110 after obtaining the qualification as a member of the second system 110 after waiting for the instruction from the person himself / herself. Good.

When the user of the system 10 is required to register the credit card number associated with the user in the management server 140 in order to qualify as a member of the second system 110, this time. When a user requests an electronic payment in the system 10, the credit card number associated with the user is registered in the management server 140 before that, so that the user makes an electronic payment for the system 10. At that time, the work of transmitting the credit card number associated with the user to the management server 140 is omitted.

Further, in some embodiments described above, the present invention may be implemented in a manner in which the non-electronic payment compatible system 10 has a management server 40 but does not have the management server 40. Further, regardless of whether or not the non-electronic payment compatible system 10 has the management server 40, the user's mobile terminal 90 of the electronic payment compatible second system 110 does not go through the management server 40. The present invention may be implemented in a manner of accessing the management server 140.

Further, in some of the embodiments described above, the second electronic payment compatible system 110 conducts a business similar to that of the non-electronic payment compatible system 10, that is, a business of providing a parking lot to the user. However, it may be a business different from the non-electronic payment compatible system 10 (for example, a business of selling goods unattended).

Further, in some of the embodiments described above, the non-electronic payment compatible system 10 enables the user to make an electronic payment by using the payment means of the electronic payment compatible second system 110. , The present invention may be applied when the system 10 is an electronic payment compatible type.

When the present invention is implemented in such an environment, for example, the type of electronic payment that the system 10 can independently handle without depending on the second system 110 is the electronic payment that can be used by the user. Even if the type does not match, the type of electronic payment that can be used by the user and the type of electronic payment that the system 10 can pseudo-handle will match by the cooperation with the second system 110. .. As a result, the user can use the system 10 because the problem of inconsistency in the types of electronic payments is solved.

Specifically, for example, the type of electronic payment supported by the system 10 is a "VISA (registered trademark) card", while the type of electronic payment supported by the second system 110 is a "master card (registered) card". If the types of credit cards available to the user differ between the systems 10 and 110, such as "trademark)", the user does not have the authority to use the credit cards available in the system 10. The user cannot use the system 10 only because the electronic payment cannot be made.

On the other hand, according to the present invention, the system 10 that can use the first type of credit card uses the payment means of the second system 110 that can use the second type of credit card, and the second type by the user. If electronic payment with a credit card is possible, the user cannot use the system 10 only because the type of credit card that can be used by the user and the type of credit card that can be used by the system 10 do not match. Is avoided and the convenience of the user is improved.

<Code reading payment>

In some of the embodiments described above, the second system 110 typically employs the aforementioned "credit card payment" as electronic payment.

Instead of this, it is also possible to carry out the present invention in a manner in which the second system 110 adopts the above-mentioned "code reading payment" as electronic payment.

In this embodiment, for example, as shown in the flowchart in FIG. 8, when the user first operates the above-mentioned delivery button on the screen of the mobile terminal 90 in step S801, then in step S802, the mobile terminal 90 Requests access to the management server 140 of the second system 110.

On the other hand, in step S831, when the management server 140 permits access from the mobile terminal 90, subsequently, in step S832, the management server 140 requests access to the management server 40 of the system 10.

On the other hand, in step S851, when the management server 40 permits access from the management server 140, subsequently, in step S852, the amount of the parking fee is calculated as described above, and then in step S853. The parking fee data representing the amount of the parking fee is transmitted to the management server 140.

On the other hand, in step S833, when the management server 140 receives the parking fee data, subsequently, in step S834, the settlement code representing the amount of the parking fee represented by the received parking fee data as the settlement amount. Create payment code data as image data representing (for example, QR code (registered trademark) or barcode). The settlement code represents the amount to be settled by the user this time and the settlement performed by the above-mentioned code reading settlement. The payment amount is encrypted and reflected in the payment code.

After that, in step S835, the management server 140 transmits the created payment code data to the communication device of the settlement machine 30.

On the other hand, in step S861, the computer of the settlement machine 30 displays the corresponding settlement code on the screen of the settlement machine 30 based on the received settlement code data.

On the other hand, in step S803, the user reads the displayed payment code with the camera of the mobile terminal 90. Subsequently, in step S804, the mobile terminal 90 converts the payment code into an electric signal, thereby creating read data.

After that, in step S805, the mobile terminal 90 restores the payment amount from the read data by activating the decryption application stored in its own memory. Subsequently, in step S806, the mobile terminal 90 reads out the credit card number associated with the user this time as electronic payment information from its own memory.

After that, in step S807, the mobile terminal 90 associates the restored payment amount and the read electronic payment information with the user, and transmits the spoofing management server 140.

On the other hand, in step S836, whether or not the spoofing management server 140 collates the received payment amount with the parking fee amount represented by the parking fee data received in step S833 described above. judge.

Successful verification means that the decryption rules used by the mobile terminal 90 were correct, and by extension, the above-mentioned decryption application used by the mobile terminal 90 has been approved by the management server 140. This means that the decryption application is properly downloaded from the second system 110 and installed in the memory of the mobile terminal 90). The fact that the decryption application used by the mobile terminal 90 is approved by the management server 140 means that the user this time is qualified as a member of the second system 110.

After that, in step S835, the spoofing management server 140 transmits an electronic payment request to the payment server 160. Further, in step S836, the spoofing management server 140 transmits the electronic payment information to the payment server 160. Further, in step S837, the spoofing management server 140 transmits the settlement amount data representing the settlement amount to the settlement server 160.

On the other hand, in step S874, the payment server 160 performs electronic payment (credit card payment) based on the received electronic payment information and payment amount data. After that, in step S875, a completion signal indicating that the electronic payment is completed is transmitted to the spoofing management server 140 and the actual management server 40. As a result, the spoofing management server 140 and the actual management server 40 know that the payment of the parking fee this time has been completed in the form of electronic payment.

On the other hand, in step S842, the spoofing management server 140 transmits a payment completion signal indicating that the electronic payment has been completed to the mobile terminal 90. As a result, the user knows that the electronic payment has been completed.

On the other hand, in step S854, the actual management server 40 transmits the settlement completion signal to the communication device in the settlement machine 30. As a result, the settlement machine 30 knows that the payment of the parking fee this time has been completed in the form of electronic payment.

According to this embodiment, the system 10 which cannot independently support the code reading payment can perform the code reading payment by the user by using the payment means of the second system 110 which can support the code reading payment.

As can be easily understood from the above description, according to the present invention, the first payment system (non-electronic payment compatible type) 10 that cannot independently support credit card payment or code reading payment is at least credit. By combining with a second payment system (electronic payment compatible type) 110 that can support card payment, at least credit card payment can be supported.

Further, according to the present invention, the first payment system (non-electronic payment compatible type) 10 that cannot independently support credit card payment or code reading payment can at least support code reading payment. By combining with the system (electronic payment compatible type) 110, at least code reading payment can be supported.

Further, according to the present invention, the first payment system (electronic payment compatible type) 10, which can independently support credit card payment and cannot support code reading payment by itself, can at least support code reading payment. By combining with the payment system (electronic payment compatible type) 110 of 2, at least code reading payment can be supported.

<Multi-payment>

By the way, in some embodiments described above, the system (first system) 10 simulates the payment procedure in cooperation with one second system 110. The range of payment types that can be handled is expanded from non-electronic payments to electronic payments.

However, the types of electronic payments that the second system 110 can handle are limited, and the types of electronic payments that the system (first system) 10 can pseudo-support are the types of electronic payments that users can use. May not match.

In that case, the system (first system) 10 cannot accommodate the types of electronic payments available to the user, even with the help of the second system 110. That is, there is a problem that there is a limit to expanding the types of electronic payments that the system (first system) 10 can handle.

On the other hand, in order to solve this problem, the present invention can be implemented, for example, in the following aspects.

This aspect is also directed to a system (first system) 10 that provides a user with certain goods or services or movables or real estate.

This system (first system) 10 can handle non-electronic payments by itself but not electronic payments, or can handle at least a limited type of electronic payments by itself. is there. The system 10 includes a user's mobile terminal 90 and a payment machine 30 or a payment machine for the user to make a payment by a payment method that the system 10 can independently handle in a normal payment mode.

This system (first system) 10 operates in cooperation with a plurality of second systems 110 that provide users with goods or services or movables or real estate of the same type or different types as the system 10, respectively, regarding payment procedures.

The second system 110 can support one type or a plurality of types of electronic payments, respectively.

Also, the second systems 110 do not exactly match each other with respect to the types of electronic payments they can handle.

Specifically, the second system 110 can be selected to include at least one type of electronic payment that is different from each other, or to not share the same type of electronic payment at all. is there.

In addition, these second systems 110 are not exclusive in use and can be used in combination with a plurality of other second systems in which the types of electronic payments that can be supported are completely the same as each other. is there.

When the mobile terminal 90 receives an electronic payment request (for example, the operation of the delivery button described above) from the user, the system (first system) 10 determines the type of electronic payment specified by the electronic payment request. It has a discriminating unit.

Further, in the system (first system) 10, if the mobile terminal 90 does not match the type of the user-designated electronic payment with any of the types of electronic payment supported by the system, the plurality of second systems The system 110 has a selection unit that selects any second system 110 that covers the type of user-designated electronic payment as a substitute system 110.

In this system (first system) 10, when the substitute system 110 is selected, the mobile terminal 90 goes through another communication device (for example, the management server 40) in the substitute electronic payment mode, or It has a substitute payment unit that accesses the substitute system 110 without going through the system, whereby the substitute system 110 performs the user-designated electronic payment on behalf of the system 10.

The surrogate system 110 communicates with or without another communication device (eg, the management server 40) with the payment machine 30 or payment machine of system 10, thereby causing the payment machine 30 or payment machine of system 10 to communicate. The payment completion signal is received from the substitute system 110. As a result, the user-designated electronic payment is completed with the help of the substitute system 110.

According to this system 10 (first system), if the type of electronic payment available to the user does not match the type of electronic payment that the system 10 can handle, the user among the plurality of second systems 110 Is automatically selected to cover the types of electronic payments available, and the selected second system 110 acts as a payment instrument for system 10, resulting in system 10 being simulated. It will be possible to support the types of electronic payments available to users.

As a result, the system (first system) 10 can correspond to virtually any kind of electronic payment that can be used by the user in a pseudo manner, which is convenient for the user in the payment procedure. Is improved.

That is, according to this system (first system) 10, only one type of electronic payment is realized, and so-called multi-payment in which a plurality of types of electronic payments are realized in a pseudo manner even though the same system 10 is used. It will be realized. Here, the term "multi-payment" means that the types of electronic payments available to users are diversified.

In addition, the payment code is displayed on the screen (for example, LCD) of the payment machine 30 of the system 10, which enables the user to postpay the parking fee this time by the code reading payment method. The above-mentioned technique does not depend on the second system 110, that is, specifically, for example, the management server 40 manages the data for displaying the payment code, and the communication device of the settlement machine 30 of the same system 10. It can be realized by sending to.

Although the multi-payment has been conceptually described above, the multi-electronic payment system 1000, which is a specific example thereof, will be described with reference to FIGS. 10 and 11.

As shown in FIG. 10, the multi-electronic payment system 1000 includes a first system 10 (which may be capable of supporting non-electronic payment) capable of supporting a single type of electronic payment, and a plurality of second systems. System 110, as described above, among them, which do not exactly match each other with respect to the types of electronic payments that can be accommodated.

However, both systems 10 and 110 need only be able to provide a service called payment to the user, and as in some of the above examples, those systems can also provide services other than payment (for example, parking lot management business). The construction of 10 and 110 is not essential for practicing the present invention.

Specifically, the first system 10 is a payment system in which the user's mobile terminal 90 is directly connected regardless of the type of electronic payment (user-designated electronic payment) available to the user. .. The first system 10 has a management server 40 as an actual management server, and is connected to a payment server 160 capable of supporting the corresponding type of electronic payment.

On the other hand, any one of the plurality of second systems 110 is a payment system selected by the first system 10 as matching the type of user-designated electronic payment. In the selected second system 110, the mobile terminal 90 is indirectly connected via the management server 40 (actual management server) of the first system 10 without the user's knowledge. It is a payment system. The selected second system 110 has a management server 140 as a deemed management server or a pseudo management server, and is connected to a payment server 160 capable of supporting the corresponding type of electronic payment.

Both the payment server 160 assigned to the first system 10 and the payment server 160 assigned to each of the second systems 110 are typically managed by each operator operating the corresponding type of electronic payment service.

<Electronic payment request for single payment fee>

In FIG. 11, the operation of the multi-electronic payment system 1000 shown in FIG. 10 is conceptually represented by a flowchart. For the example shown in FIG. 11, the term "multi-payment" is used to mean that the types of electronic payments available to the user are diversified.

First, in step S1101, a user who wishes to carry out electronic payment connects the mobile terminal 90 to the actual management server 40 of the first system 10.

Specifically, the user is charged as a consideration for the business (sale of tangible goods, provision of intangible services, etc.) provided to the user by the first system 10 or another system, and the fee is charged. The multi-electronic payment system 1000 is used to apparently pay to the first system 10 and, in fact, to the first system 10 or any second system 110 by electronic payment. become.

Here, as the "intangible service", for example, there are provision of food and drink, use of rental objects, use of parking lot, use of transportation, and the like.

In step S1101, the user transmits an electronic payment request to the actual management server 40 in association with the user's electronic payment information, user identification information, and charge-related information.

Here, the "electronic payment information" includes, for example, the type of electronic payment that the user wants to use this time (for example, the type of prepaid card, the type of credit card, the type of cryptocurrency, etc.). , Has user-specific information about electronic payments (eg, prepaid card number, credit card type, cryptocurrency number, etc.).

Further, the "user identification information" includes, for example, a user ID, identification information unique to the mobile terminal 90, and the like.

Further, the "fee-related information" has, for example, a payee of the fee, one or a plurality of payment items (or purchased items) constituting the fee.

In relation to this step S1101, FIG. 12 shows one type 1 purchasing activity unit (for example, an activity of purchasing a plurality of products at the same store at a time, or providing a plurality of foods and drinks at the same store. An example of electronic payment request related information for a single payment fee for individually electronically paying a single payment fee to a single payee is shown for activities such as receiving all together.

Here, the "single payment fee" has an individual fee for each of one or more purchase items, but each individual fee is paid to one payee, and in the end, the total fee is the same. Means the fee paid first.

In response to the execution of step S1101, the actual management server 40 receives the electronic payment request, the electronic payment information, the user identification information, and the charge-related information from the mobile terminal 90 in the mobile terminal 90 in the step S1131. The collection of the electronic payment request, the electronic payment information, the user identification information, and the charge-related information is referred to as the electronic payment request-related information for convenience of explanation.

Subsequently, in step S1132, the actual management server 40 associates the received charge-related information and / or the charge-related information with the corresponding business entity (for example, an individual store such as a restaurant or a franchise). Users based on toll information received by (such as stores, general commercial facilities such as department stores, other parking management companies, and entities that operate each means of transportation) or from billing servers operated for those entities. Calculate the charge to be charged to.

After that, in step S1133, the actual management server 40 extracts information representing the type of user-designated electronic payment from the received electronic payment information, and determines the type of electronic payment requested this time from the extraction result.

The types of electronic payments are first broadly classified into prepaid card payments and credit card payments. The types of electronic payments are further subdivided, for example, by the type of company that handles the prepaid card for prepaid card payments, and by the type of credit card company that handles the credit card.

Subsequently, in the actual management server 40, the type of electronic payment determined in step S1134 (that is, the type of the user-designated electronic payment this time) can be supported by the first system 10 as the type of electronic payment (one type). There may be only one, and there may be multiple types).

When the electronic payment specified this time can be handled by the first system 10, the determination in step S1134 becomes YES, and subsequently, in step S1135, the actual management server 40 makes an electronic payment request to the electronic payment. The information, the user identification information, and the charge calculation result (execution result of step S1133, etc.) are transmitted to the payment server 160 (the payment server 160 located on the left side in FIG. 10) assigned to the first system 10.

In response to the execution of step S1135 described above, the payment server 160 receives the electronic payment request, the electronic payment information, the user identification information, and the charge calculation result from the actual management server 40 in association with each other. Subsequently, in step S1175, the payment server 160 executes the electronic payment desired by the user. After that, in step S1176, the payment server 160 transmits a payment completion signal indicating that the electronic payment this time has been completed to the actual management server 40 in association with the user ID.

On the other hand, in step S1136, the actual management server 40 receives the payment completion signal from the payment server 160 in association with the user ID, refers to the user ID, and uses any mobile terminal 90 of the current user. It is specified as a mobile terminal 90, and the payment completion signal is transferred to the mobile terminal 90.

On the other hand, the mobile terminal 90 receives the transferred payment completion signal in step S1103. After that, the mobile terminal 90 displays, for example, a message indicating that the electronic payment is completed on the screen (for example, together with the payment amount) and / or outputs the voice.

The case where the user-designated electronic payment can be supported by the first system 10 has been described above, but if it is not possible, the determination in step S1134 becomes NO, and in step S1137, a plurality of actual management servers 40 are provided. Of the second system 110 of the above, the one that can support the user-specified electronic payment is selected.

Here, when there are a plurality of second systems 110 that can support user-designated electronic payment, first, the actual management server 40 has a plurality of second systems that can support user-designated electronic payment. Each of the two systems 110 is tentatively selected as a plurality of candidates.

Next, the actual management server 40 narrows down the plurality of tentatively selected candidates to only the second system 110 according to a predetermined priority determination rule, or narrows down the plurality of candidates to a small number of candidates. The small number of candidates are presented to the user via the mobile terminal 90, and one of the candidates is selected by the user.

Here, the "predetermined priority determination rule" is, for example, a rule that preferentially selects a second system 110 in which the same user's past usage history exists, or a user who prefers any second system 110. The second system 110, which has a higher privilege (for example, return point) than the reference level and is more advantageous than the other second system 110 in terms of the privilege, is preferentially selected in return for the user. Includes rules.

Subsequently, in step S1138, the actual management server 40 associates the electronic payment request with the user ID, and the deemed management server 140 of the selected second system 140 (hereinafter, referred to as “this time deemed management server”) 140. Send to.

On the other hand, the deemed management server 140 this time associates the received electronic payment request with the user ID in step S1151, and the payment server 160 assigned to the second system 140 this time (the payment server on the right side in FIG. 10). Therefore, it will be transferred to the "payment server this time").

On the other hand, the payment server 160 this time receives the electronic payment request in association with the user ID in step S1171, and subsequently executes the electronic payment desired by the user in step S1172. After that, in step S1173, the payment server 160 this time transmits a payment completion signal indicating that the electronic payment this time is completed to the deemed management server 140 this time in association with the user ID.

On the other hand, the deemed management server 140 this time transfers the payment completion signal to the actual management server 40 in association with the user ID in step S1152. On the other hand, the actual management server 40 refers to the user ID and transfers the payment completion signal to the user's mobile terminal 90 this time.

On the other hand, the mobile terminal 90 receives the transferred payment completion signal in step S1102. After that, the mobile terminal 90 displays, for example, a message indicating that the electronic payment is completed on the screen (for example, together with the payment amount) and / or outputs the voice.

Each management server 140 may support one or more types of electronic payments, and each payment server 160 assigned to each management server 140 may also support one or more types of electronic payments. ..

In addition, in the examples shown in FIGS. 10 and 11, the first system 10 has a charge calculation function for calculating the charge charged to the user, and either one of them depending on the type of the user-designated electronic payment. In addition to the selection function for selecting the second system 110 (that is, the payment route selection function for selecting the payment route), it also has a payment function (regardless of whether it is non-electronic payment or electronic payment). The payment function may be omitted, and the charge calculation function may be deleted from the first system 10 when the same function is realized in another place. That is, it is sufficient that the first system 10 has at least the selection function.

Further, in the examples shown in FIGS. 10 and 11, for convenience of explanation, the management server 40 in the first system 10 constitutes an example of the above-mentioned "payment route selection server", and a plurality of first systems. It is possible to consider that the plurality of management servers 140 in the system 110 of 2 constitute an example of the above-mentioned "plurality of management servers".

Further, in the examples shown in FIGS. 10 and 11, a plurality of management servers 140 share one management server 40, but are independent of each other in terms of configuration without depending on the management server 40. There is.

Therefore, as long as the connection with the management server 40 can be established, it is not an essential requirement that the management servers 140 have compatibility in the communication environment and can communicate with each other.

Further, in the examples shown in FIGS. 10 and 11, the plurality of management servers 140 are operated by different entities and / or are located at different positions (for example, positions in real space). It is installed at a position on the virtual address space).

Therefore, according to the examples shown in FIGS. 10 and 11, in order to expand the range of types of electronic payments available to one user, existing management servers 140 have different types of electronic payments. Select one that can handle payment, and then manage all of those management servers 140 in common without performing work (repair work, design change, etc.) that unifies the communication environment and specifications of each. A communication network for multi-electronic payment as shown in FIG. 10 is constructed simply by connecting to the server 40.

As a result, according to the examples shown in FIGS. 10 and 11, it is not necessary to substantially modify the setting conditions (for example, communication conditions) of the existing plurality of management servers 140, and it is not necessary to change the installation position thereof. By simply connecting the management server 140 to the management server 40, the types of electronic payments that can be used by one user are enriched.

As a result, according to this example, it becomes easy to improve the convenience of the user while suppressing an increase in the economic burden (for example, equipment cost) of the business operator.

In the above description given for the multi-electronic payment system 1000 with reference to FIGS. 10 and 11, the user pays one payee (eg, for example) the above-mentioned single payment fee for one of the above-mentioned first type purchase activity units. , One entity associated with the first system 10) is directed to the scenario of paying.

As a result, specifically, as shown in FIG. 11, even when electronic payment is performed by the first system 10 triggered by the execution of step S1135, any second system is triggered by the execution of step S1138. Even when electronic payment is made by 110, the user, for example, eventually makes electronic payment to one business entity associated with the first system 10 and pays the business entity. become.

<Electronic payment request for compound payment charges>

In the multi-electronic payment system 1000 shown in FIGS. 10 and 11, the role of the first system 10 and the management server 40 is that when the management server 40 receives the electronic payment request related information from the user's mobile terminal 90, the management server 40 receives the information. From the information related to the electronic payment request, the type of electronic payment (usually one electronic payment, but a plurality of electronic payments) that the user desires to use is specified, and the first system 10 From the management server 40 of the above and the plurality of management servers 140 of the plurality of second systems 110, those capable of supporting the electronic payment matching the specified one or more electronic payments are selected and selected. Electronic payment is performed using one or a plurality of management servers 40 and 140.

FIG. 13 conceptually shows the operation of a modification of the multi-electronic payment system 1000 shown in FIGS. 10 and 11 in a flowchart. The modified example shown in FIG. 13 has the same hardware configuration as that shown in FIG.

In the modified example shown in FIG. 13, when the management server 40 receives the electronic payment request-related information from the user's mobile terminal 90, the roles of the first system 10 and the management server 40 receive the electronic payment request-related information. To identify one or more business operators that are one or more payees for one or more charges charged to the user, and from among the plurality of management servers 140 of the plurality of second systems 110, the above Those operated by one or a plurality of specified businesses are selected, and electronic payment is performed using the selected one or a plurality of management servers 140.

In this modification, the management server 40 is designed to have only a function of selecting a plurality of second systems 140, that is, a payment route selection function, and not an electronic payment function, but also an electronic payment function thereof. You may.

In any case, for the user, it is the management server 40 that is directly connected to the mobile terminal 90, and the management server 140 is not directly connected to the mobile terminal 90. Therefore, it is possible to classify the management server 40 as an actual management server and the management server 140 as a management server. However, if the management server 40 does not have an electronic payment function, it may not be appropriate to refer to the management server 140 as a deemed management server as far as the task of electronic payment is concerned.

To classify the toll payment methods, as described above, the electronic payment system 1000 shown in FIGS. 10 and 11 typically allows the user to pay one single payment fee for one type 1 purchasing activity unit. It is designed to allow you to pay in advance.

On the other hand, in one modification of the multi-electronic payment system 1000 shown in FIG. 13, it does not matter whether the plurality of second systems 110 are common or different from each other in terms of the types of electronic payments that can be supported (particularly). , When users share one type 2 purchasing activity unit (eg, the same user prepaid transportation costs to transfer to multiple modes of transportation operated by different entities. It is designed to enable comprehensive electronic payment of compound payment charges to multiple payees (for example, multiple transportation operators).

Therefore, in the example shown in FIG. 13, the term "multi-payment" is used to mean compounding individual payment units (payees) that allow the user to make electronic payments at one time. That is, here, "multi-payment" means that a user can collectively settle a plurality of individual charges with different payees with only one electronic payment.

Hereinafter, the multi-electronic payment system 1000, which is a modification of this, will be described with reference to FIGS. 13 and 14, taking as an example a case where a plurality of second systems 110 have common to each other regarding the types of electronic payments that can be supported. However, in FIG. 13, the steps common to the steps shown in FIG. 11 are given the same step numbers, thereby omitting duplicate explanations in sentences.

First, in step S1301, a user who wishes to carry out electronic payment connects the mobile terminal 90 to the management server 40 of the first system 10 according to the above-mentioned step S1101.

Specifically, the user is charged for the business provided to the user by one or more second systems 140 (sale of tangible goods, provision of intangible services, etc.), and the fee is charged. The whole is divided into only one second system 110 or a plurality of charge parts (charges by payee), and each of the corresponding plurality of second systems 110 is individually settled by electronic payment. The multi-electronic payment system 1000 will be used for payment.

In connection with this step S1301, FIG. 14 shows an example of electronic payment request related information for a compound payment fee for comprehensively electronically paying a compound payment fee to a plurality of payees for one second type purchase activity unit. It is shown.

Here, the "composite payment charge" is configured as a collection of a plurality of individual charges paid to a plurality of payees different from each other, and the individual charges are paid to the corresponding payees by the first system 10. .. At least the total amount of the combined payment charges may be notified to the user visually or audibly via the mobile terminal 90.

For example, it is normal for a single user to travel from departure point A to target point B by connecting multiple means of transportation (eg, rental bicycle or car, public bus, subway, railroad, airplane, taxi, etc.). The user is required to directly access a different management server 140 with the mobile terminal 90 and perform electronic payment for each means of transportation used.

On the other hand, according to this modification, the user directly accesses the same management server 40 (one first system 10) only once with the mobile terminal 90, even though the user connects a plurality of transportation means. You only have to make one electronic payment.

As a result, according to this modification, the user can comprehensively electronically settle a compound payment charge consisting of a plurality of types of individual charges (for example, with one electronic payment request), and the user's operation. The above burden and the communication load of the mobile terminal 90 are reduced.

Specifically, regarding this modification, it is assumed that, for example, the user prepaid the total fare to the target point B by electronic payment before using a certain transportation system at the departure point A.

In this case, the mobile terminal 90 transmits an electronic payment request and a set of a plurality of usage sections for each means of transportation (corresponding to a set of a plurality of payees and a set of a plurality of payment items) to the management server 40. After that, the management server 40 sequentially selects a plurality of management servers 140 operated by the transportation system having jurisdiction over the usage section for each usage section, and electronically sends the selected management server 140 to the selected management server 140. It sends a payment request, information about the corresponding usage segment (specified by both the payee and the payment item), and the user's electronic payment information (eg, credit card number, etc.).

As a result, each of the corresponding management servers 140 electronically makes a payment for the fare corresponding to the corresponding usage section using the corresponding payment server 160.

In response to the execution of step S1301, the management server 40 receives the electronic payment request-related information in step S1131.

Next, in step S1302, the management server 40 pays one or more of the charges charged to the user this time by referring to the information regarding the payee among the received electronic payment request related information. To determine. In the example shown in FIG. 12, one payee is determined for one electronic payment request, and in the example shown in FIG. 14, a plurality of payees are determined for one electronic payment request. ..

Subsequently, in step S1303, the management server 40 electronically pays the charge charged to the user of the plurality of second systems 140 based on the received electronic payment request-related information. Select one or more second systems 140 to connect to.

For example, when the electronic payment request-related information has only one payee, as illustrated in FIG. 12, one of a plurality of second systems 140 associated with the same payee is electronically settled. Select as one second system 140 for. On the other hand, when the electronic payment request-related information has a plurality of payees as illustrated in FIG. 14, among the plurality of second systems 140, the one associated with the same payee is electronically selected. Select as a plurality of second systems 140 for payment.

After that, in step S1304, the management server 40 transmits an electronic payment request for each payee to the management server 140 of each selected second system 110 together with the electronic payment information, the user identification information, and the charge-related information. ..

On the other hand, each of the selected management servers 140 receives the corresponding electronic payment request-related information in step S1305, and then each management server 140 receives the received electronic payment request-related information in step S1306. Among them, by referring to the charge-related information in particular, the user calculates the amount of the charge portion to be electronically settled on each management server 140.

Subsequently, in step S1307, each management server 140 sends electronic payment request-related information to the payment server 160 corresponding to each management server 140, that is, electronic payment request, electronic payment information, user identification information, and charge calculation associated with each other. The result (execution result of step S1306, etc.) is transmitted.

According to this variant, if the consideration for the provision of an event, service or article to one user includes multiple types of charges, each corresponding to a plurality of payees, the user is a mobile terminal 90. By accessing the management server 40 only once, it is possible to complete all electronic payments for all payees, which improves user convenience.

In addition, in the example shown in FIG. 13, for convenience of explanation, the management server 40 in the first system 10 constitutes an example of the above-mentioned "payment route selection server", and a plurality of second systems. It is possible to consider that the plurality of management servers 140 in 110 constitute an example of the above-mentioned "plurality of management servers".

In addition, in any of the plurality of embodiments described above, when the code reading payment is adopted as the electronic payment, the payment server 160 is managed and operated by the code payment service provider. On the other hand, when credit card payment is adopted as electronic payment, the payment server 160 is managed and operated by the credit card payment service provider.

Unlike credit card payment, code-reading payment has the advantage that the introduction cost to systems 10 and 110 can be reduced because it is not necessary to install a credit inquiry terminal in systems 10 and 110. Therefore, according to the above-mentioned technique, it is useful for the manager and the operator of the systems 10 and 110.

As described above, some of the exemplary embodiments of the present invention have been described in detail with reference to the drawings, but these are examples, and those skilled in the art, including the embodiments described in the [Summary of Invention] column. It is possible to carry out the present invention in other forms with various modifications and improvements based on knowledge.

Claims (6)

It is a multi-electronic payment system
There are multiple payment servers, regardless of whether or not the types of electronic payments that can be supported by each are exactly the same.
It is a plurality of management servers that manage each of these payment servers, and they are operated by different businesses, and it does not matter whether or not the types of electronic payments that can be handled by each are completely the same. The types of electronic payments that can be supported are common to each other with the corresponding payment servers, and each management server is used for a system that provides users with certain goods or services or animals or real estate. ,
A payment route selection server that is commonly connected to these management servers as a server separate from those management servers and can communicate with the communication devices of users who wish to make electronic payments with any business as the payment destination. When the electronic payment request and the electronic payment information are received from the communication device, the business operator who is the payment destination for the user is specified from the received electronic payment information, and the identification is made from the plurality of management servers. Including those that select those operated by the operator and send electronic payment requests to the selected management server.
When the selected management server receives the electronic payment request from the payment route selection server, the selected management server executes the electronic payment desired by the user by communicating with the payment server assigned to the management server.
A multi-electronic payment system in which a communication network for multi-electronic payment that can be used by a user is constructed by connecting the plurality of management servers to the payment route selection server in common with the management servers. When the service is provided to a user, the user is charged with a collection of charges, each of which may or may not match a plurality of corresponding payees.
When the payees for the plurality of charges match each other, the collection of the plurality of charges constitutes a single payment charge, but the payees for the plurality of charges do not match each other. , The collection of the plurality of charges constitutes a compound payment charge,
When the payment route selection server receives the electronic payment information from the user's communication device, the payment route selection server identifies one or a plurality of business operators who are one or a plurality of payees for the plurality of charges from the received electronic payment information. Then, from the plurality of management servers, one or more management servers operated by the specified one or more business operators are selected.
When the single payment fee is configured and the number of the selected management servers is one, the selected management server may charge a plurality of fees charged to the user. In the case where the compound payment fee is configured while comprehensively performing electronic payment, when the number of the selected management servers is plural, the plurality of selected management servers are sent to the user. The multi-electronic payment system according to claim 1, which comprehensively performs electronic payment for a plurality of imposed charges. The plurality of management servers share the payment route selection server, but are independent of each other in terms of configuration without depending on the payment route selection server. Therefore, the plurality of management servers select the payment route. The multi-electronic payment according to claim 1 or 2, wherein compatibility with the communication environment and mutual communication are not essential requirements as long as the connection with the server can be established. system. A program for operating a computer as a payment route selection server in the multi-electronic payment system according to any one of claims 1 to 3. A program for operating a computer as a management server in the multi-electronic payment system according to any one of claims 1 to 3. A recording medium in which the program according to claim 4 or 5 is recorded in a computer-readable manner.

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