JP3516994B2 - Information processing system - Google Patents

Description

Detailed Description of the Invention

[0001]

The present invention relates to, for example, an information processing system to perform the collection of the price and the goods or services, etc.
About the.

[0002]

2. Description of the Related Art In recent years, vending machines, POS (Points)
The spread of goods or services, such as cash registers, and equipment that collects payments is remarkable. However, a common problem with these devices is the complexity of cash processing. In other words, for a company that provides goods or services via these devices,
Because we carry out cash processing, we need to prepare change, set up cash,
Daily management of crime prevention and its associated costs are required. In addition, a manufacturer who manufactures these devices incurs a manufacturing cost load for equipping the device with a cash handling mechanism, which increases the price of the device, and this cost load causes the product or In other words, the price of goods or services is raised by reflecting the facility cost of the service provider, and eventually the burden on consumers is increased.

Therefore, in order to solve the problems relating to such cash processing, the following two methods are currently in widespread use. That is, the payment by the consumer is
There are a cash advance payment method that uses a prepaid card, and a method that uses a credit card, a bank card, etc., to automatically deduct the payment from a bank account or the like via an online line connected to the device.

[0004]

These two methods achieve the original purpose because they do not require cash processing on the device side, but there are serious problems in spreading these methods. Existence has recently become clear.

First, regarding the cash prepayment method, the company that stores the prepaid money differs depending on the company that provides the goods or services (hereinafter, also referred to as a sales person), and they are mutually different. Since a prepaid card that cannot be used is issued, the consumer has to purchase a plurality of prepaid cards for each seller in advance. In addition, there is a problem that the prepaid card of the seller, which is rarely used by consumers, has no merit to purchase, and therefore goods or services are purchased in cash. In this way, prepaid cards tend to be diversified, and it is difficult to centralize various equipment investments.

As for the automatic withdrawal method from a bank account or the like, since it is possible to develop laterally by means of an online approval system between financial institutions that uses cards based on globally standardized standards, it is possible to develop horizontally. Although the problems with the cash advance payment method have been solved, there are some problems that hinder the further spread. That is, the first problem is that an online line is required for each device, and considering the huge number of devices such as vending machines and POS registers existing in the world, astronomical capital investment is required. The point is to do. Furthermore, as a second problem, the online lines connected to each of these devices can be used only for the purpose of collecting the money,
The point is that the investment efficiency is extremely poor for sellers who make capital investments. Considering such enormous capital investment and poor investment efficiency, it is impossible from the economical point of view to widely spread the automatic withdrawal method from bank accounts.

[0007] Accordingly, the present invention is to solve the problems related to capital expenditures, an object of the present invention is to provide an information processing system that performs widely capable of goods or services such as the collection of the price.

[0008]

An information processing system according to the present invention is provided between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for performing payment for goods or services. In the information processing system, the user receives a provision of an article or service by wireless communication and performs predetermined information processing for paying the price of the article or service.
The mobile phone is a reading unit for reading account information from an information recording medium in which account information regarding a user's account is recorded, and request information for requesting provision of an article or service to the providing apparatus in the vicinity of the providing apparatus . Send
A first transmitting means for
Based on the request information transmitted from the transmission means, the relative mobile telephone, equipped with a through <br/> knowledge means for transmitting the price information for notifying the price of the first transmission article or service by the transmitting means , The mobile phone is sent from the notification means.
When receiving the signal has been price information, the relevant trading institutions of the based-out the account information in the account information read by the reading means
Payment information that approves payment processing based on price information
A second transmitting means for transmitting is provided.

Further, the information processing system of the present invention wirelessly communicates between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services. Is an information processing system in which the user receives provision of goods or services and performs predetermined information processing for paying the price of the goods or services, wherein the mobile phone is an account related to the user's account. first transmission <br/> which information is transmitted and reading means for reading the account information from the information recording medium to be recorded, a request information for requesting the provision of goods or services with respect to the providing apparatus in the vicinity of the providing device Means for providing the providing device from the first transmitting means.
Based on the request information sent, to the mobile phone,
A notification means for transmitting price information for notifying the price of the article or service requested by the first transmitting means,
The mobile phone receives the payment information transmitted from the notification means.
When it receives a broadcast, and recording means for recording the Daikin information on the information recording medium as unsettled information that payment of the price has not been completed, the price information that has been transmitted from the notification means
When received, it is based on the account information read by the reading means.
And a second transmission <br/> means for transmitting the settlement information to approve the substitute <br/> gold settlement process based on the price information in the gas trading institutions of the account information, the transmission of the second transmission means transaction completion information of the payment processing in response when transmitted, and a change recording means for changing record unsettled information recorded on the information recording medium in the transaction completion information.

Further, the information processing system of the present invention wirelessly communicates between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services. Is an information processing system in which the user receives provision of goods or services and performs predetermined information processing for paying the price of the goods or services, wherein the mobile phone is an account related to the user's account. first transmission <br/> which information is transmitted and reading means for reading the account information from the information recording medium to be recorded, a request information for requesting the provision of goods or services with respect to the providing apparatus in the vicinity of the providing device Means for providing the providing device from the first transmitting means.
Based on the request information sent, to the mobile phone,
A notification means for transmitting price information for notifying the price of the article or service requested by the first transmitting means,
The mobile phone receives the payment information transmitted from the notification means.
When receiving the broadcast, to the price information to the transaction engine <br/> group Dzu-out the account information in the account information read by said reading means
And second transmitting means for transmitting the payment information for requesting the settlement processing of the price-based, when the transaction completion information of the payment processing in response to the transmission of the second transmission means is transmitted, settled on the information recording medium And a recording means for recording transaction completion information indicating completion of processing.

Further, the information processing system according to the present invention wirelessly communicates between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services. Is an information processing system in which the user receives provision of goods or services and performs predetermined information processing for paying the price of the goods or services, wherein the mobile phone is an account related to the user's account. first transmission <br/> which information is transmitted and reading means for reading the account information from the information recording medium to be recorded, a request information for requesting the provision of goods or services with respect to the providing apparatus in the vicinity of the providing device Means for providing the providing device from the first transmitting means.
Based on the request information sent, to the mobile phone,
A notification means for transmitting price information for notifying the price of the article or service requested by the first transmitting means,
The mobile phone receives the payment information transmitted from the notification means.
When receiving the broadcast, and display means for displaying the received price information, versus the price information displayed by the display means
And permitting means for permitting the payment of the price to be, this permission means
In when the payment of generations gold has been permitted, to the transaction engine of the based-out the account information to the account information read by the reading means
Payment information requesting payment processing based on the payment information
Second transmitting means for transmitting the information, and the second transmitting means
When transaction completion information of the payment processing in response is transmitted to the transmission, and a recording means for recording the transaction completion information indicating the payment process completion in the information recording medium.

Further, the information processing system of the present invention wirelessly communicates between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services. Is an information processing system in which the user receives provision of goods or services and performs predetermined information processing for paying the price of the goods or services, wherein the mobile phone is an account related to the user's account. first transmission <br/> which information is transmitted and reading means for reading the account information from the information recording medium to be recorded, a request information for requesting the provision of goods or services with respect to the providing apparatus in the vicinity of the providing device Means for providing the providing device from the first transmitting means.
Based on the request information sent, to the mobile phone,
A notification means for transmitting price information for notifying the price of the article or service requested by the first transmitting means,
The mobile phone receives the payment information transmitted from the notification means.
When it receives a broadcast, and recording means for recording the Daikin information on the information recording medium as unsettled information that payment of the price has not been completed, the price information that has been transmitted from the notification means
When received, it is based on the account information read by the reading means.
Based on the price information to the trading institution of the account information.
The second to send the payment information to request the settlement process of the Ku price
A transmission unit, the time the transaction completion information of the payment processing in response to the transmission of the second transmission means is transmitted, changing recording means for changing record unsettled information recorded on the information recording medium in the transaction completion information When, and a display means for displaying said recording means and transaction completion information transaction processing unsettled information recorded on the information recording medium by said changing recording means as history information.

In addition, the information processing system of the present invention wirelessly communicates between a providing device that provides goods or services, a mobile phone owned by each user, and a trading institution that pays for the goods or services. Is an information processing system in which the user receives provision of goods or services and performs predetermined information processing for paying the price of the goods or services, wherein the mobile phone is an account related to the user's account. first transmission <br/> which information is transmitted and reading means for reading the account information from the information recording medium to be recorded, a request information for requesting the provision of goods or services with respect to the providing apparatus in the vicinity of the providing device Means for providing the providing device from the first transmitting means.
Based on the request information sent, to the mobile phone,
A notification means for transmitting price information for notifying the price of the article or service requested by the first transmitting means,
The mobile phone receives the payment information transmitted from the notification means.
When it receives a broadcast, and recording means for recording the Daikin information on the information recording medium as unsettled information that payment of the price has not been completed, the price information that has been transmitted from the notification means
When received, it is based on the account information read by the reading means.
Based on the price information to the trading institution of the account information.
The second to send the payment information to request the settlement process of the Ku price
A transmission unit, the time the transaction completion information of the payment processing in response to the transmission of the second transmission means is transmitted, changing recording means for changing record unsettled information recorded on the information recording medium in the transaction completion information If, when said transaction completion information of the payment processing in response to the transmission of the second transmission unit is not Teko sent, the account information read by the reading means based on the unsettled information recorded in said information recording medium operation means for retransmitting operation input settlement information request payment processing of the price with respect to transactions engine, front on the basis of the operation input of the operating means
Serial have and a third transmission means for transmitting the unsettled information.

Further , the information processing system according to the present invention wirelessly communicates between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services. Is an information processing system in which the user receives provision of goods or services and performs predetermined information processing for paying the price of the goods or services, wherein the mobile phone is an account related to the user's account. A reading means for reading the account information from the information recording medium on which the information is recorded; and a first transmitting means for transmitting request information requesting the provision of the article or service to the providing device in the vicinity of the providing device, The providing device transmits the first transmission to the mobile phone based on the request information transmitted from the first transmitting unit. When the mobile phone receives the price information transmitted from the notification unit, the price information is transmitted to the information recording medium. Recording means for recording as unsettled information that payment of the price has not ended, and when the price information transmitted from the notifying means is received, a transaction institution of the account information is displayed on the basis of the account information read by the reading means. On the other hand, the second transmitting means for transmitting the payment information requesting the payment processing for the payment based on the payment information, and the transaction completion information for the payment processing being transmitted in response to the transmission by the second transmitting means, Change recording means for changing and recording unsettled information recorded on the information recording medium into transaction completion information, and transaction completion information for settlement processing is transmitted in response to transmission by the second transmission means. If not, the re-transmission of the payment information requesting the payment processing of the price to the trading institution of the account information read by the reading means is input based on the unsettled information recorded in the information recording medium. An operation means, a judgment means for judging whether or not the unpaid amount has reached a predetermined amount based on the unsettled information recorded on the information recording medium, and an operation input of the operation means or a judgment of the judgment means. And third transmitting means for transmitting the unsettled information based on the information.

[0015]

According to the present invention, information recording in a mobile phone
Reading the account information recorded in the medium and providing the device
Requesting the provision of goods, etc. to the
When you receive the payment notification for
By performing the settlement process with the transaction engine Zui, those that can provide an information processing system that solves the problems associated capital investment, performed widely capable articles or services, etc. and the collection of its price.

[0016]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An embodiment of the present invention will be described below with reference to the drawings. FIG. 1 schematically shows the overall configuration of the information processing system according to this embodiment.

In FIG. 1, this information processing system is
As a device that provides goods and services, etc.
For example, the vending machine 1, the automatic ticket gate 2, a simple mobile phone (hereinafter simply referred to as a mobile phone) 3, which each user (consumer) possesses and also has an original call function, the mobile phone. 3 is provided within a predetermined communicable area and is connected to a radio base station 4 for receiving or transmitting radio waves, and the radio base station 4 via an exchange or the like.
It is composed of an SDN, a telephone line network 5 such as a subscriber telephone network, and a transaction bank 6 of each user connected to the telephone line network 5.

The vending machine 1 is provided with an information transmission / reception mechanism 1a, receives the purchase request information of the article from the mobile phone 3 owned by each user, and in response to the purchase request information,
The price information of the article is transmitted to the mobile phone 3.

The automatic ticket gate 2 is provided with an information transmission / reception mechanism 2a, receives the ticket request information from the mobile phone 3 owned by each user, and in the automatic ticket gate of the boarding station, the code information indicating the boarding station. (Boarding station code) to mobile phone 3
At the automatic ticket gate at the getting-off station, the boarding station code sent from the mobile phone 3 owned by each user is received, the fare from the boarding station to the getting-off station is calculated, and the fare information is carried. It is designed to be transmitted to the telephone 3.

An IC card, for example, can be inserted into the mobile phone 3 as a portable information recording medium possessed by each user, and the IC card of the IC card can be read from the information recorded in the inserted IC card. The information of the bank in which the account of the user who owns the account exists (bank information), and the price information of the goods transmitted from the vending machine 1 is written in the memory provided in the IC card. ing.

The mobile phone 3 also transmits the purchase request information of the article to the vending machine 1 or receives the price information of the purchased article transmitted from the vending machine 1 and receives the price information. Based on the transaction bank information of the user read from the IC card inserted in the mobile phone 3, the information is transmitted to the transaction bank 6 of the user through the telephone line network 5 or the like.

Further, the mobile phone 3 transmits ticket request information to the automatic ticket gate 2 or, in the case of an automatic ticket gate at a boarding station, receives the boarding station code transmitted from the automatic ticket gate 2 and Record the boarding station code on the IC card inserted in the mobile phone 3, or in the case of an automatic ticket gate at the getting-off station,
Automatic ticket gate 2 for the boarding station code recorded on the IC card
Or to record the fare information transmitted from the automatic ticket gate 2 in the IC card inserted in the mobile phone 3,
Further, based on the user's bank information read from the IC card, it is transmitted to the user's bank 6 through the telephone line network 5 or the like.

When the transaction bank 6 receives the transaction information including the account number of the user, the price information of the goods, the fare information, etc., transmitted from the mobile phone 3 through the wireless base station 4 and the telephone network 5, the transaction bank 6 receives the transaction information. Based on the information, the price and fare of the goods will be deducted from the user's account, and the goods / services will be transferred to the account of the seller of the goods / services selling the goods via the vending machine 1 Settlement processing for sales transactions is performed. Further, when the settlement processing of the sales transaction is completed in this way, the transaction information recorded as the unsettled information in the IC card inserted in the mobile phone 3 is rewritten to the transaction completion information. .

Now, there may be a case where the communication between the mobile phone 3 and the radio base station 4 cannot be normally performed. For example, in an environment where the automatic ticket gate 2 is installed at a ticket gate of a subway, it is impossible to connect because the radio wave propagation state between the underground mobile phone 3 and the wireless base station on the ground is bad. It causes trouble. Therefore,
In such a case, the transaction information cannot be transmitted from the mobile phone 3 to the transaction bank 6, and settlement of the sales transaction cannot be performed. Further, when the transaction information is transmitted from the mobile phone 3 to the transaction bank 6 via the wireless base station 4 and the telephone network 5, there may be some delay time depending on the amount of communication and the like. Is completed, and as a result, it takes more than a predetermined allowable time until the transaction completion information is transmitted from the transaction bank 6 to the mobile phone 3,
There is a problem that it is not suitable for practical use.

However, even in such a case, the information processing system of the present embodiment can deal with it.
That is, in this case, when the transaction information cannot be transmitted to the transaction bank 6, or when the transaction completion information is not transmitted from the transaction bank 6 within a predetermined time after the transaction information is transmitted from the mobile phone 3, By changing the location and performing a predetermined operation, the I
Based on the unsettled information recorded in the memory in the C card P, when the mobile phone 3 can connect to the wireless base station 4,
The transaction information read from the IC card P is transmitted to the transaction bank 6. Thus, when the transaction bank 6 completes the settlement of the transaction and the transaction completion information is transmitted, the unsettled information recorded in the IC card P is changed to the transaction completion information and recorded. Will be.

FIG. 2 schematically shows a specific configuration of the information processing system of this embodiment. The same parts as those in FIG. 1 are designated by the same reference numerals. FIG. 2 shows the case of the vending machine 1 as a device for providing goods / services.

The vending machine 1 is roughly composed of an information transmitting / receiving mechanism 1a, a control section 1d, and an article selling mechanism 1e. Since the information transmission / reception mechanism 1a transmits / receives various information to / from the mobile phone 3 by wireless communication, modulation of the transmission / reception signal,
A transmission / reception circuit 1b that performs demodulation and the like, a code for performing a decryption process on various information signals obtained as a result of demodulation by the transmission / reception circuit 1b, and an encryption process for performing an encryption process on various information signals from the control unit 1d. It is composed of a decryption circuit 1c.

The article sales mechanism 1e is the information transmission / reception mechanism 1a.
In it is received, based on each species information signals, decoded, performs sales processing as in the prior art articles, so as to transmit the charge information or the like of the purchased goods to the information transmission and reception system 1a ing.

The control unit 1d controls the entire vending machine 1 while controlling the operation timings of the information transmission / reception mechanism 1a and the article sales mechanism 1e. The mobile phone 3 transmits / receives various kinds of information to / from the vending machine 1 by wireless communication using radio waves, so that the transmitter / receiver circuit 3a performs modulation and demodulation of electric signals. An encryption / decryption circuit 3b for performing a decryption process on various information signals or an encryption process for various information signals transmitted to the vending machine 1, and requesting the vending machine 1 to purchase an article. Payment button 3c for displaying the price of goods sent as price information from the vending machine 1,
And includes a display portion 3d for displaying the input telephone number or the like for conventional call features, read a variety of information to the inserted IC card P, and the card reader-writer unit 3e to perform writing only There is.

In addition, by inputting a telephone number for the conventional call function or modulating various information sent through the operation unit 3f and the bus 3l for other operation instructions, the radio base is utilized by using radio waves. A radio wave transmitting / receiving circuit 3g for transmitting to the station 4 and demodulating a radio wave received from the radio base station 4;
Further, the radio wave transmitting / receiving circuit 3g is connected to a microphone 3h for inputting voice and a speaker 3i for outputting voice for a conventional call function.

Further, the CPU3j, transceiver circuit 3a via the bus 3l, encrypting and decrypting circuit 3b, the settlement button 3
c, display unit 3d, card reader / writer unit 3e, operation unit 3
f, the radio wave transmitting / receiving circuit 3g is connected to control the above-mentioned respective parts of the mobile phone 3.

Further, the mobile phone 3 has an IC card P
An insertion port (not shown) is provided, and various kinds of information is read and written in the card reader / writer 3e with respect to the IC card P inserted therein.

The IC card P is mainly composed of a control section P1 and a memory P2. The memory P2 has an authentication number of the holder of the IC card P, an account owned by the holder and a bank in which the account exists. Related information, that is, transaction bank information is recorded, and information on the account number of the seller of the article, the purchase item, the amount of the purchased article, each time the article is traded with the vending machine 1. Date of purchase,
Unsettled information including time etc. and transaction completion information are recorded.

The control section P1 of the IC card P controls the entire IC card P. Further, the unsettled information, transaction completion information, and the like recorded in the memory P3 of the IC card P can also be used as history information when the user makes a transaction of selling and purchasing an article with the vending machine 1. In this case, I
When the C card P is inserted into the mobile phone 3 and a predetermined operation is performed, for example, a predetermined code is input from the operation unit 3f, the history information is displayed on the display unit 3d.

The radio wave transmitting / receiving circuit 3g of the mobile phone 3 is connected to the radio base station 4 within a predetermined communication area with the mobile phone 3 via the antennas 3k and 4k, and radio communication using radio waves is performed. Further, it is connected to the telephone line network 5 via an exchange or the like, and is connected to a predetermined transaction bank 6 having a transaction with the user by a telephone line. Further, a plurality of telephones or communication functions connected to the telephone line network 5 are provided by the conventional call function provided by the radio wave transmission / reception circuit 3g, the microphone 3h, the speaker 3i, the operation unit 3f, etc. included in the mobile phone 3. A telephone call can be made with a terminal device having a wireless LAN via the wireless base station 4 and the telephone network 5. The frequency band for communication between the radio wave transmitting / receiving circuit 3g of the mobile phone 3 and the radio base station 4 is not particularly limited. Further, it is desirable that the frequency band for communication between the vending machine 1 and the mobile phone 3 is different from the frequency band for communication between the mobile phone 3 and the wireless base station 4.

Since communication between the mobile phone 3 and the vending machine 1 requires extremely high security, the encryption processing in the encryption / decryption circuits 1c and 3b is as complicated as possible. It is preferable to use a digitization algorithm.

Next, the processing operation of the article purchase transaction in this information processing system will be described. When using the vending machine 1, the IC card P owned by the user is first inserted into the IC card insertion port of the mobile phone 3 near the vending machine 1, and the user presses the settlement button 3c. . Then, the purchase request information requesting to start the purchase of the article from the vending machine 1 is first encrypted by the encryption / decryption circuit 3b, modulated by the transmission / reception circuit 3a, and automatically transmitted by wireless communication. Transmitter / receiver circuit 1b of vending machine 1
Sent to.

The transmission / reception circuit 1b of the vending machine 1 demodulates the received radio wave, and the purchase request information obtained as a result is decrypted by the encryption / decryption circuit 1c, and the control unit 1d
Will be notified.

The control unit 1d controls the article sales mechanism 1e to start its operation, and when the user presses a predetermined button of the vending machine 1 or operates the mobile phone 3. When an article is selected by an operation from the section 3f, the price information including the price of the article and information about the seller of the article is sent to the encryption / decryption circuit 1c under the control of the control section 1d. Then, the data is encrypted, modulated by the transmission / reception circuit 1b, and transmitted to the mobile phone 3 by wireless communication.

In the mobile telephone 3, the reception radio wave is demodulated by the transmission / reception circuit 3a, the price information obtained as a result is decrypted by the encryption / decryption circuit 3b, and the data is transmitted via the bus 3l under the control of the CPU 3j. Is transmitted to the display unit 3d, where
The price of the article or the like is displayed based on the price information.

The user confirms the price of the article displayed on the display section 3d, and if he / she understands it, presses the settlement button 3c to approve the execution of the transaction. Then, in the mobile phone 3, the transaction information based on the price information is treated as unsettled information in the memory P2 of the IC card P in the card reader / writer unit 3e.
Then, the transaction approval information notifying that the execution of the transaction is approved is recorded in the encryption / decryption circuit 3 as described above.
b, transmitted to the vending machine 1 via the transmission / reception circuit 3a.

In the automatic vending machine 1, when the transaction approval information is received as described above, the article vending mechanism 1e delivers the article under the control of the controller 1d. When the above processing is output in the vending machine 1, the end notification is transmitted to the mobile phone 3 as described above, and the operation of the vending machine 1 ends.

On the other hand, in the mobile phone 3, as described above, the price information is received from the vending machine 1, and the transaction information based on the price information is used as the unsettled information of the unpaid price in the IC card P. And the transaction information is transmitted to the transaction bank 6 specified based on the transaction bank information read from the IC card P by the card reader / writer unit 3e. That is, the transaction information is sent to the radio wave transmitting / receiving circuit 3
When the radio base station 4 receives the radio wave through the antenna 4k, the radio base station 4 connects to the telephone line network 5 and notifies the transaction bank 6 of the transaction information. The transaction information includes information such as the identification number of the holder of the IC card read from the IC card P and the price of the article transmitted from the vending machine 1.

The transaction bank 6 performs a predetermined settlement process based on the transaction information transmitted from the mobile phone 3, and when the process is completed, the mobile phone 3 is transferred to the mobile phone 3 via the telephone line network 5 and the wireless base station 4. Transaction completion information is transmitted.

In the mobile phone 3, when the transaction completion information transmitted by wireless communication is received by the antenna 3k, it is demodulated in the radio wave transmitting / receiving circuit 3g, and the transaction completion information obtained as a result is controlled by the bus 3l under the control of the CPU 3j. Is transmitted to the card reader / writer unit 3e via the, and the unsettled information already recorded in the memory P2 of the IC card P is overwritten, and the unsettled information is changed to the transaction completion information.

The above is the processing operation of the article purchase transaction when communication is normally performed among the vending machine 1, the mobile phone 3, and the transaction bank 6. Next, if the transaction completion information from the transaction bank 6 cannot be received by the cell phone 3 even if a predetermined time has elapsed after the transaction information was transmitted from the cell phone 3 to the transaction bank 6, The processing operation will be described.

The user understands the price of the article, presses the settlement button 3c, the article is handed over in the vending machine 1 and the operation of the vending machine 1 ends, and the mobile phone 3 automatically sells the item. It is the same as described above until the transaction information based on the price information from the machine 1 is recorded in the IC card P as unsettled information.

The mobile phone 3 transmits the transaction information to the transaction bank 6 via the wireless base station 4 and the telephone network 5, and the transaction completion information is transmitted from the transaction bank 6 even if a predetermined time has elapsed from that point. If not, the transaction information at that time remains in the memory P2 of the IC card P as the unsettled information including the information indicating that the transaction bank 6 has not settled (the payment is unpaid).

After that, when communication becomes possible between the mobile phone 3, the wireless base station 4, the telephone line network 5, and the transaction bank 6, the mobile phone in which the IC card P is inserted again as described above. 3, the payment button 3c is pressed, for example, and all unsettled information stored in the memory P2 of the IC card P up to that time is transmitted to the transaction bank 6. The transaction bank 6 performs a predetermined settlement process, and when the process is completed, the transaction completion information is transmitted to the mobile phone 3 via the telephone line network 5 and the wireless base station 4. Then, in the mobile phone 3, in response to the received transaction completion information, in the card reader / writer unit 3e, the IC card P
The unsettled information written in the memory P2 is rewritten to the transaction completion information.

The information processing system in this embodiment can also deal with the case where the IC card P is an illegally used card such as theft. That is, as a protection measure for the user, for example, the card-specific identification number of the stolen card (the identification number of the owner of the card) is registered in advance in the transaction bank 6, and the transaction information is transmitted from the mobile phone 3. At the bank 6
The unique identification number of the IC card P included in the transaction information is compared with the identification number registered as a stolen card, and if there is a match, use to notify the prohibition of use of the IC card P The prohibition information is transmitted to the mobile phone 3. In the mobile phone 3 which has received the use prohibition information, “unusable” is recorded in the memory P2 of the IC card P, and a measure for prohibiting the subsequent use is taken.

Further, the information processing system according to the present embodiment can display the purchase history up to that point based on various information recorded in the memory P2 of the IC card P. That is, the unsettled information and the transaction completion information recorded in the memory P2 are read from the IC card P by the card reader / writer unit 3e and displayed via the bus 3l, for example, by inputting a predetermined code from the operation unit 3f. It is transmitted to the section 3d, and the transaction status of each transaction, that is, the seller, purchase item, price, date, time, etc., is displayed as a purchase history.

The case of the automatic vending machine 1 has been described above. Next, a case of using the automatic ticket gate 2 as a service providing instead of the automatic vending machine 1 for providing the article will be described. This will be described with reference to FIG.

The same parts as those in FIG. 2 are designated by the same reference numerals and the description thereof will be omitted. In FIG. 3, the automatic ticket gate 2 is roughly divided into an information transmission / reception mechanism 2a, a control unit 2ed, and a passenger traffic control mechanism 2f.

The information transmission / reception mechanism 2a is a transmission / reception circuit 2b for performing modulation and demodulation for transmitting / receiving various information to / from the mobile phone 3 by using radio waves, and various types obtained as a result of demodulation by the transmission / reception circuit 2b. identifying or perform decryption processing on the information signal, encrypting and decrypting circuit 2 c for to various information signals performs encryption process from the control unit 2e, the station where the automated ticket gate apparatus 2 is installed Memory for storing information such as fare, etc., as well as codes for identifying all stations that can be used at that station
It is composed of d.

The passenger traffic control mechanism 2f is for realizing the function of the conventional automatic ticket gate. Control unit 2e
Controls the entire automatic ticket gate 2 while controlling the operation timings of the information transmission / reception mechanism 1a and the passenger traffic control mechanism 2f. Further, in the case of the automatic ticket gate at the getting-off station, the fare from the getting-on station to the getting-off station is calculated from the getting-on station code transmitted from the mobile phone 3 and the information such as the fare recorded in the memory 2d. Has become.

The frequency band for communication between the mobile phone 3 and the automatic ticket gate 2 may be different from the frequency band for communication between the mobile phone 3 and the radio base station 4. desirable.

Since communication between the mobile phone 3 and the automatic ticket gate 2 requires a very high level of security, the encryption processing in the encryption / decryption circuits 1c and 3b is as complicated as possible. It is preferable to use a digitization algorithm.

Next, the processing operation of the automatic ticket gate in the information processing system will be briefly described. Automatic ticket gate 2
In the case of boarding by using, the IC card P owned by the user is first inserted into the IC card insertion port of the mobile phone 3 near the automatic ticket gate 2, and the user presses the settlement button 3c. . Then, the ticket gate request information for requesting the automatic ticket gate 2 to the automatic ticket gate 2 is transmitted to the automatic ticket gate 2 by wireless communication as in the description of FIG.

The transmission / reception circuit 2b of the automatic ticket gate 2 demodulates the received radio wave, and the purchase request information obtained as a result is decrypted in the encryption / decryption circuit 1c, and the control unit 2
e is notified.

In the control section 2e, the boarding station code stored in the memory 2d is read out, the encryption / decryption circuit 2c performs encryption processing, and the transmission / reception circuit 2b transmits it to the mobile phone 3 by wireless communication. Furthermore, the passenger traffic control mechanism 2
The f is controlled to start its operation so that the user can pass through.

In the mobile phone 3, the boarding station code received by the transmission / reception circuit 3a is decrypted by the encryption / decryption circuit 3b, and recorded in the memory P2 of the IC card P by the card reader / writer unit 3e.

Next, in the automatic ticket gate at the disembarkation station when the user who owns the mobile phone 3 gets off, first, in the vicinity of the automatic ticket gate 2 as described above, first, the IC card owned by the user. P is inserted into the IC card insertion port of the mobile phone 3, and the user presses the payment button 3c. Then, in the mobile phone 3, the boarding station code recorded in the IC card P is read out, and the ticket gate request information for requesting the automatic ticket gate including the boarding station code to the automatic ticket gate apparatus 2 is the same as that described with reference to FIG. It is transmitted to the automatic ticket gate apparatus 2 as a radio wave.

In the automatic ticket gate apparatus 2, the transmission / reception circuit 2b demodulates the received radio wave, and the ticket gate request information obtained as a result is transmitted to the encryption / decryption circuit 2c, where the decryption processing is performed, and further control is performed. Under the control of the section 2e, the memory 2d
Based on the information such as the fare stored in, the process of calculating the fare from the boarding station to the alighting station is performed. The information such as the calculated fare is used as the fare information. First, the encryption / decryption circuit 2
After the encryption processing is performed in c, the data is transmitted to the mobile phone 3 by wireless communication in the transmission / reception circuit 2b.

In the mobile phone 3, when the fare information from the automatic ticket gate 2 is received by the transmission / reception circuit 3a, it is stored in the memory P2 of the IC card P as unsettled information as described above. The following operation is similar to that of the vending machine 1 described above.

As described above, according to the above embodiment, when the user purchases an article from the vending machine 1,
At least, insert the IC card P storing the identification number for recognizing the user and the information of the financial institution that executes the payment process of the price paid by the owner into the mobile phone 3 owned by the user, When the payment button 3c is pressed to request the vending machine 1 to purchase the article and the user selects the article from the vending machine 1, the price information including the price of the article is displayed on the mobile phone 3 The price of the article is displayed on the display section 3d of the mobile phone 3 based on the price information, and the user confirms the price of the article displayed on the display section 3d, and if the user confirms, the payment button When the user presses 3c to approve the execution of the transaction, the mobile phone 3 records the transaction information based on the price information as unsettled information in the IC card P, and the transaction approval information to the vending machine 1. Send vending machine 1 Is delivered has been selected goods,
The operation of the vending machine 1 ends, while the mobile phone 3 receives the price information from the vending machine 1 and records the transaction information based on the price information in the IC card P as unsettled information. Along with the card reader / writer unit 3e, I
The transaction information is transmitted to the transaction bank 6 specified on the basis of the transaction bank information read from the C card P, and the transaction bank 6 performs a predetermined settlement process. Mobile phone 3 via network 5 and wireless base station 4
The transaction completion information is sent to, and the unsettled information already recorded on the IC card P is overwritten, and the unsettled information is changed to the transaction completed information, thereby solving the problem regarding capital investment and widely spread. It is possible to provide an information processing system that collects items that can be processed and the price thereof.

Further, when the user uses the automatic ticket gate 2, at the automatic ticket gate of the boarding station, at least an identification number for recognizing the user and a payment process for the price paid by the owner are executed. IC that stores information on financial institutions
When the card P is inserted into the mobile phone 3 owned by the user and the settlement button 3c is pressed to request a ticket to the automatic ticket gate 2, the automatic ticket gate 2 transmits the boarding station code to the mobile phone 3. Then, in the mobile phone 3, the boarding station code is recorded in the IC card P, and at the automatic ticket gate at the disembarking station, the IC card P is again inserted into the mobile phone 3 and the settlement button 3c is pressed to request the ticket. When the boarding station code is sent, the automatic ticket gate 2 will display the boarding station code,
The fare from the boarding station to the alighting station is calculated based on the information about the fare recorded in the memory 2d of the automatic ticket gate 2, and the calculated fare is transmitted to the mobile phone 3 as fare information. Transaction information based on the received fare information is recorded in the IC card P as unsettled information, and the transaction specified based on the transaction bank information read from the IC card P by the card reader / writer unit 3e. The transaction information is transmitted to the bank 6, and the transaction bank 6 performs predetermined payment processing. When the processing is completed, the transaction completion information is sent to the mobile phone 3 via the telephone network 5 and the wireless base station 4. By overwriting the unsettled information that has been sent and already recorded in the IC card P, and the unsettled information is changed to transaction completion information, problems related to capital investment can be solved and widely supported. It can provide an information processing system that performs screw and collection of its price.

Further, every time the user purchases an article / service from the automatic vending machine 1 or the automatic ticket gate 2, the unsettled information is recorded in the IC card P inserted into the mobile phone 3, and the mobile phone 3 makes a transaction bank. When the transaction completion information is not transmitted from the transaction bank 6 within a predetermined time after the transaction information is transmitted to the mobile phone 6, the unsettled information recorded in the memory in the IC card P inserted in the mobile phone 3 When the mobile phone 3 can connect to the wireless base station 4 based on the
When the transaction information recorded in the card P as unsettled information is read and transmitted to the transaction bank 6, the transaction bank 6 completes the settlement of the trading transaction, and the transaction completion information is transmitted, the IC card P By changing the unsettled information recorded in the transaction completion information to, for example, the automatic ticket gate 2
Mobile phone 3 as if installed at the ticket gate of a subway
If communication between the wireless base station 4 and the
Even if the communication response between the mobile phone 3 and the wireless base station 4 is delayed more than necessary, the settlement processing can be reliably performed in the transaction bank 6 without any practical problems. Further, based on the unsettled information recorded in the IC card P, it is possible to perform control such that when the unpaid amount reaches a predetermined amount, the unsettled amount is collectively transmitted to the transaction bank 6. In this case, every time a predetermined operation for transmitting the unsettled information is performed, the CPU 3j checks the content of the unsettled information recorded in the IC card P, and the unsettled amount is a predetermined amount. It is only necessary to determine whether or not the value has reached, and to transmit to the transaction bank 6 only when it has reached.

When the identification number of the stolen card is registered in advance in the transaction bank 6 and the transaction information is transmitted from the mobile phone 3, the transaction bank 6 first asks the IC card P included in the transaction information. The identification number of the IC card P is compared with the identification number registered as the theft card, and when they match, the use prohibition information for notifying the use prohibition of the IC card P is transmitted to the mobile phone 3, and the use prohibition information is transmitted. In the case where the IC card P is an illegally used card due to theft or the like, “unusable” is recorded in the memory P2 of the IC card P by the mobile phone 3 which has received the Can also be dealt with.

[0069]

As described in detail above, according to the present invention,
Capital investment problems solved relates, can provide a wide spread available goods or services, etc. with the information processing <br/> system for performing collection of the price.

[Brief description of drawings]

FIG. 1 is a diagram schematically showing an overall configuration of an information processing system according to an embodiment of the present invention.

FIG. 2 is a diagram showing an overall configuration of an information processing system when an automatic vending machine is used.

FIG. 3 is a diagram showing the overall configuration of an information processing system when an automatic ticket gate is used.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Automatic vending machine, 1a ... Information transmission / reception mechanism, 1b ... Transmission / reception circuit, 1c ... Encryption / decryption circuit, 1d ... Control part, 1e ... Article sales mechanism, 2 ... Automatic ticket gate, 2a ... Information transmission / reception mechanism, 2b ... transceiver circuit, 2c ... encryption / decryption circuit, 2d
... Memory, 2e ... Control section, 2f ... Passenger traffic control mechanism, 3
... simple mobile phone, 3a ... transmission / reception circuit, 3b ... encryption / decryption circuit, 3c ... payment button, 3d ... display section, 3e ... card reader / writer section, 3f ... operation section, 3g ... radio wave transmission / reception circuit, 3h ... microphone, 3i ... speaker, 3j ... CPU,
3k ... antenna, 4 ... radio base station, 4k ... antenna, 5
… Telephone network, 6… Bank, P… IC card, P1…
Control unit, P2 ... Memory.

Claims (7)

(57) [Claims] 1. A wireless communication is provided between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services, and the users An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. Based on the request information transmitted from the transmitting means, the article or service transmitted by the first transmitting means to the mobile phone. When the mobile phone receives the price information transmitted from the notification means, the mobile phone has a notification means for transmitting the price information for notifying the price of the account information based on the account information read by the reading means. An information processing system, comprising: second transmitting means for transmitting payment information for approving a payment processing for payment based on the payment information. 2. A user provides an article or a service by wireless communication between a providing device that provides the article or the service, a mobile phone owned by the user, and a trading institution that performs payment for the article or the service. An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. On the basis of the request information transmitted from the transmitting means, the article or service requested by the first transmitting means is sent to the mobile phone. The mobile phone, when receiving the price information transmitted from the notification means, has completed the payment of the price information to the information recording medium when the mobile phone receives the price information transmitted from the notification means. When the recording means for recording as unsettled information and the price information transmitted from the notifying means are received, the payment of the price based on the price information at the trading institution of the account information based on the account information read by the reading means. When the transaction completion information of the payment processing is transmitted in response to the transmission of the second transmission means for transmitting the payment information for approving the payment processing, the uncompleted information recorded in the information recording medium is transmitted. An information processing system comprising: a change recording unit that changes and records payment information into transaction completion information. 3. A wireless communication is provided between a providing device that provides an article or service, a mobile phone owned by the user, and a transaction institution that pays for the article or service, and the user receives the article or An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. On the basis of the request information transmitted from the transmitting means, the article or service requested by the first transmitting means is sent to the mobile phone. When the mobile phone receives the price information transmitted from the notification means, the mobile phone has a notification means for transmitting the price information for notifying the price of the account information based on the account information read by the reading means. To the second transmitting means for transmitting the payment information requesting the payment processing of the payment based on the payment information, and the transaction completion information of the payment processing being transmitted in response to the transmission of the second transmitting means. An information processing system comprising: a recording unit that records transaction completion information indicating completion of payment processing on the information recording medium. 4. A wireless communication is provided between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services, and the users are An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. On the basis of the request information transmitted from the transmitting means, the article or service requested by the first transmitting means is sent to the mobile phone. The mobile phone, when receiving the price information transmitted from the notification means, the display means for displaying the received price information, and the display means. Permission means for permitting payment of the displayed price information, and when payment of the price is permitted by this permission means, the payment means is notified to the trading institution of the account information based on the account information read by the reading means. Second transmitting means for transmitting payment information requesting payment processing for payment based on the payment information; and when transaction completion information for payment processing is transmitted in response to the transmission by the second transmitting means, the information recording An information processing system, comprising: a recording unit that records transaction completion information indicating completion of payment processing on a medium. 5. A wireless communication is provided between a providing device for providing goods or services, a mobile phone owned by each user, and a transaction institution for paying for the goods or services, and the user receives the goods or An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. On the basis of the request information transmitted from the transmitting means, the article or service requested by the first transmitting means is sent to the mobile phone. The mobile phone, when receiving the price information transmitted from the notification means, has completed the payment of the price information to the information recording medium when the mobile phone receives the price information transmitted from the notification means. When the recording means for recording as unsettled information and the price information transmitted from the notifying means are received, the price based on the price information to the trading institution of the account information based on the account information read by the reading means Second transmitting means for transmitting the payment information requesting the payment processing, and when the transaction completion information of the payment processing is transmitted in response to the transmission of the second transmitting means, it is recorded on the information recording medium. Change recording means for changing and recording unsettled information into transaction completion information, unsettled information recorded in the information recording medium by the recording means and the change recording means, and transaction completion information for settlement processing. The information processing system being characterized in that comprising a display means for displaying the history information. 6. A wireless communication is provided between a providing device for providing goods or services, a mobile phone owned by each user, and a trading institution for paying for the goods or services, and the user receives the goods or An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. On the basis of the request information transmitted from the transmitting means, the article or service requested by the first transmitting means is sent to the mobile phone. The mobile phone, when receiving the price information transmitted from the notification means, has completed the payment of the price information to the information recording medium when the mobile phone receives the price information transmitted from the notification means. When the recording means for recording as unsettled information and the price information transmitted from the notifying means are received, the price based on the price information to the trading institution of the account information based on the account information read by the reading means Second transmitting means for transmitting the payment information requesting the payment processing, and when the transaction completion information of the payment processing is transmitted in response to the transmission of the second transmitting means, it is recorded on the information recording medium. Change recording means for changing and recording unsettled information to transaction completion information, and the information recording when transaction completion information for settlement processing is not transmitted in response to the transmission of the second transmitting means. Operation means for operating and inputting re-transmission of payment information for requesting payment processing of payment to a trading institution of account information read by the reading means based on unsettled information recorded on the body, and operation of this operation means An information processing system comprising: a third transmitting unit that transmits the unsettled information based on an input. 7. A user provides an article or a service by wireless communication between a providing device that provides the article or the service, a mobile phone owned by the user, and a transaction institution that performs payment for the article or the service. An information processing system for performing predetermined information processing for receiving a service and paying for the goods or services, wherein the mobile phone is an information recording medium in which account information regarding a user's account is recorded. Read means for reading account information from the providing device, and first transmitting means for transmitting request information for requesting provision of an article or service to the providing device in the vicinity of the providing device, wherein the providing device is the first device. On the basis of the request information transmitted from the transmitting means, the article or service requested by the first transmitting means is sent to the mobile phone. The mobile phone, when receiving the price information transmitted from the notification means, has completed the payment of the price information to the information recording medium when the mobile phone receives the price information transmitted from the notification means. When the recording means for recording as unsettled information and the price information transmitted from the notifying means are received, the price based on the price information to the trading institution of the account information based on the account information read by the reading means Second transmitting means for transmitting the payment information requesting the payment processing, and when the transaction completion information of the payment processing is transmitted in response to the transmission of the second transmitting means, it is recorded on the information recording medium. Change recording means for changing and recording unsettled information to transaction completion information, and the information recording when transaction completion information for settlement processing is not transmitted in response to the transmission of the second transmitting means. An operation means for operating and inputting re-transmission of payment information requesting a payment processing of the price to the trading institution of the account information read by the reading means based on the unsettled information recorded on the body; Judgment means for judging whether or not the unpaid amount has reached a predetermined amount based on the recorded unsettled information, and transmitting the unsettled information based on the operation input of the operation means or the judgment of the judgment means. Third
An information processing system, comprising: