JP4812234B2 - Payment management device, portable information terminal, and program - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
  The present inventionPayment management device, portable information terminal, and programIn particular, it is possible for a user to easily and easily apply for purchase of a product, and to make settlement of the price more safely.Payment management device, portable information terminal, and programAbout.
[0002]
[Prior art]
In recent years, with the spread of commercial transactions on the Internet, various payment systems for purchased goods have been realized or proposed.
[0003]
For example, using a credit card with a built-in IC chip as a payment system has already been performed and is becoming popular.
[0004]
In this case, the user simply places his / her credit card on the reader / writer connected to the personal computer, and information such as the card number and expiration date stored in the memory of the IC chip built in the card. Can be encrypted and sent to a server that manages the payment.
[0005]
This makes it possible to prevent leakage of the card number, which has been a problem when the card number is directly input on the browser.
[0006]
In addition, it has also been proposed to use a mobile phone of a customer who purchased a product for settlement in such commercial transactions on the Internet (Patent Document 1).
[0007]
In the payment system described in Patent Document 1, since information on a customer's bank account is acquired from a telephone number of a mobile phone that has requested payment and charged, personal information such as a card number is stored. It is possible to make a settlement without sending and receiving.
[0008]
[Patent Document 1]
JP 2002-56338 A
[0009]
[Problems to be solved by the invention]
However, as described above, although various systems have been realized or proposed for settlement, the purchase of the product itself is still a predetermined shopping site from a personal computer as described in Patent Document 1. You can search and search for products, or enter URL (Uniform Resource Locator) from the mobile phone numeric keypad to access a shopping site and search for products to purchase. There has been a problem that the user cannot easily purchase.
[0010]
That is, the user needs to access a shopping site by operating a keyboard and mouse of a personal computer or operating a button of a mobile phone. In other words, the user cannot even access the shopping site without performing complicated operations.
[0011]
The present invention has been made in view of such a situation, and enables a user to easily and easily apply for purchase of a product, and to make settlement of the price more safely. Is to be able to.
[0014]
[Means for Solving the Problems]
  A settlement management apparatus according to the present invention includes a settlement communication device that performs a predetermined encrypted communication and a secure server that includes a SAM module that can read and write to a secure memory only after the predetermined encrypted communication is established. A storage means as the secure memory for storing identification information only after encrypted communication between the management device and the secure server, and a site for performing a product purchase procedureDifferent for each productAn acquisition unit for acquiring an address, and based on the address acquired by the acquisition unitBy input as the first operationIn the screen displayed by the display means for displaying a screen for accessing the site and performing the purchase procedure of the product,The second operation is to enter the product purchase procedureThe payment management device used in a payment system comprising: a portable information terminal provided with a transmission means for transmitting the identification information stored in the storage means to the payment management device via the secure server A member master for storing the identification information and delivery destination information in association with each other, and the identification information assigned to the user in a predetermined credit service to which the user of the portable information terminal subscribes. Secure memory control means for reading from the secure memory of the portable information terminal via a server, from the portable information terminal,Product name specified based on the addressWhen the purchase application data including the price and the number is transmitted, the identification information is read from the secure memory of the portable information terminal via the secure server, and the read identification information and the purchase application Sending the price information of the product specified from the price and number of the predetermined product included in the data to the device of the credit service company, and the identification information read from the secure memory of the portable information terminal to the member master; Management means for transmitting the delivery destination information stored in association to a predetermined member store apparatus.
[0017]
  The settlement management device of the present invention stores information relating to merchandise.Product informationA storage means can be further provided.
[0018]
  Information about the productSpecified member store equipmentByProduct informationIt can be registered in the storage means.
[0019]
  In the payment management device of the present invention, the information about the product isSpecified member store equipmentWhen registered by the above, it is possible to further provide issuing means for creating a site and issuing an address of the site.
[0020]
The address can be captured in a portable information terminal and included in a predetermined graphic image that can be analyzed.
[0021]
The graphic image can be printed on the advertisement medium of the product.
[0022]
The address can be stored in an IC chip provided on an advertisement medium of a product that can be read by the portable information terminal by wireless communication.
[0026]
  A first program of the present invention includes an encryption communication unit that performs predetermined encrypted communication, and a secure server including a SAM module that can read and write to a secure memory only after the predetermined encrypted communication is established. A storage means as the secure memory for storing identification information only after encrypted communication between the payment management apparatus and the secure server, and a site for performing the purchase procedure of the productDifferent for each productAn acquisition unit for acquiring an address, and based on the address acquired by the acquisition unitBy input as the first operationIn the screen displayed by the display means for displaying a screen for accessing the site and performing the purchase procedure of the product,The second operation is to enter the product purchase procedureThe payment management device used in a payment system comprising: a portable information terminal provided with a transmission means for transmitting the identification information stored in the storage means to the payment management device via the secure server A program for causing a computer to execute the process of: from the portable information terminal,Product name specified based on the addressWhen the purchase application data including the price and the number is transmitted, the secure information of the portable information terminal is transmitted from the secure memory of the portable information terminal via the secure server in the predetermined credit service to which the user of the portable information terminal subscribes. The identification information assigned to the user is read, and the identification information read and the price information of the product specified from the price and quantity of the predetermined product included in the purchase application data are sent to the credit service company device. And transmitting the delivery destination information stored in association with the identification information read from the secure memory of the portable information terminal to a member master that stores the identification information and the delivery destination information in association with each other. The computer is caused to execute a process including a step of transmitting to the store apparatus.
[0027]
  A mobile information terminal according to the present invention includes an encryption communication means for performing predetermined encrypted communication, and a settlement provided with a secure server including a SAM module capable of reading and writing to a secure memory only after the predetermined encrypted communication is established A storage means as the secure memory for storing identification information only after encrypted communication between the management device and the secure server, and a site for performing a product purchase procedureDifferent for each productAn acquisition unit for acquiring an address, and based on the address acquired by the acquisition unitBy input as the first operationThe mobile information terminal used in a payment system comprising a mobile information terminal comprising a display means for accessing the site and displaying a screen for purchasing a product, wherein the screen displayed by the display meansThe second operation is to enter the product purchase procedureWhenProduct name specified based on the addressThe mobile information terminal stored in the storage means in response to control by the payment management apparatus that transmits purchase application data including price and quantity to the payment management apparatus and is performed via the secure server Transmission means for transmitting the identification information assigned to the user in a predetermined credit service to which the user of the user subscribes to the payment management apparatus via the secure server, The price information of the product specified from the price and number of the predetermined product included in the purchase application data is transmitted to the credit service company device, and the transmission is performed to the member master that stores the identification information and the delivery destination information in association with each other. The delivery destination information stored in association with the identification information transmitted by the means It is made to be sent to the store unit.
[0028]
The portable information terminal of the present invention can further include an imaging unit. At this time, the acquisition unit acquires an address based on a predetermined graphic image captured by the imaging unit.
[0029]
The portable information terminal of the present invention can further include a reading unit that reads out identification information stored in a credit card issued to a user by wireless communication. At this time, the storage means stores the identification information read by the reading means based on an instruction from the settlement apparatus.
[0030]
The acquisition means can acquire an address by wireless communication from an IC chip disposed on an advertisement medium for a product.
[0033]
  A second program of the present invention includes an encryption communication unit that performs predetermined encrypted communication, and a secure server including a SAM module that can read and write to a secure memory only after the predetermined encrypted communication is established. A storage means as the secure memory for storing identification information only after encrypted communication between the payment management apparatus and the secure server, and a site for performing the purchase procedure of the productDifferent for each productAn acquisition unit for acquiring an address, and based on the address acquired by the acquisition unitBy input as the first operationA program for causing a computer to execute processing of the portable information terminal used in a payment system comprising the portable information terminal comprising display means for accessing the site and displaying a screen for purchasing a product. In the screen displayed by the display meansThe second operation is to enter the product purchase procedureWhenProduct name specified based on the addressThe mobile information terminal stored in the storage means in response to control by the payment management apparatus that transmits purchase application data including price and quantity to the payment management apparatus and is performed via the secure server Transmitting the identification information assigned to the user in a predetermined credit service subscribed to by the user to the payment management device via the secure server. The price information of the product specified from the price and quantity of the predetermined product included in the purchase application data is transmitted to the credit service company device, and the identification information and the delivery destination information are stored in association with each other in the member master. The delivery destination information stored in association with the identification information transmitted by the process is It to execute the processing performed on the computer that the transmission to the merchant apparatus.
[0035]
  In the payment management apparatus and the first program of the present invention, from the portable information terminal,Product name identified based on addressWhen purchase application data including price and quantity is transmitted, identification information is read from a secure memory of the portable information terminal via a secure server, and the read identification information and the purchase The price information of the product specified from the price and quantity of the predetermined product included in the application data is transmitted to the credit service company device, and the identification information read from the secure memory of the portable information terminal to the member master The delivery destination information stored in association is transmitted to a predetermined member store apparatus.
[0036]
  In the portable information terminal and the second program of the present invention, on the screen displayed by the display meansThe second operation is to enter the product purchase procedureWhenProduct name identified based on addressThe user of the portable information terminal, which is stored by the storage means, transmits the purchase application data including the price and quantity to the payment management apparatus and is stored in accordance with the control by the payment management apparatus performed via the secure server. The identification information assigned to the user in the predetermined credit service is transmitted to the settlement management device via the secure server.
[0037]
DETAILED DESCRIPTION OF THE INVENTION
FIG. 1 is a diagram illustrating an example of an operation at the time of ordering a product in a sales system to which the present invention is applied.
[0038]
In the sales system to which the present invention is applied, the user can use the mobile phone 1 to place an order for a desired product (purchase order, reservation order, etc.) from the outside or at home.
[0039]
Specifically, the user can place an order for a product associated with a two-dimensional barcode captured by the camera 12 provided in the mobile phone 1. A two-dimensional barcode is issued by a company that manages a sales system, for example, as shown in FIG. 1, such as various types of advertisements such as hanging advertisements in trains, advertisements published in newspapers and magazines, and mail order catalogs. Printed on advertising media.
[0040]
FIG. 2A is a diagram illustrating an example of a hanging advertisement in a train, and FIG. 2B is a diagram illustrating an example of an advertisement published in a magazine. As shown in the figure, the two-dimensional barcode is printed at a predetermined position such as a photograph of the product or the periphery of the description.
[0041]
The suspended advertisement on the left side of FIG. 2A is an advertisement related to a digital camera, and the suspended advertisement on the right side is an advertisement related to a personal computer. In FIG. 2A, a two-dimensional barcode 21A in which the address (URL (Uniform Resource Locator)) of an order site that can perform the order procedure for the products listed in the advertisement is embedded in the lower right of each advertisement. And 21B are printed.
[0042]
Therefore, when the user sees the suspended advertisement on the left side of FIG. 2A and tries to purchase a digital camera, the screen of the digital camera ordering site is displayed on the mobile phone 1 by photographing the two-dimensional barcode 21A. By photographing the two-dimensional barcode 21B printed on the right side hanging advertisement, the screen of the order site of the personal computer can be displayed.
[0043]
Similarly, the user can display the screen of the television receiver order site on the mobile phone 1 from the two-dimensional barcode 22 of the advertisement published in the magazine of FIG. 2B. Thus, for example, one product is associated with one two-dimensional barcode.
[0044]
That is, in the mobile phone 1, when the user gives an instruction to access the order site, the captured two-dimensional barcode is analyzed, and a URL represented by a black and white pattern is acquired. Then, access to the order site designated by the acquired URL is performed via the mobile phone network.
[0045]
In the example of FIG. 1, the URL 31 of “http://www.mobile.com/abcshop” is acquired from the photographed two-dimensional barcode, and the first time that the order site specified by the URL 31 is accessed. The screen of the order site is displayed on the display unit 11 of the mobile phone 1 as indicated by the tip of the white arrow in response to the instruction by clicking.
[0046]
For example, on the order site screen, the product information such as the name, product name, size, color, and unit price of the member store (company, store, etc. that is affiliated with a service that can purchase products from the mobile phone 1) is displayed. The order button 32 that is operated when ordering is displayed so that it can be pressed by one operation (click) of the operation button 13.
[0047]
Therefore, the user can display a screen of an order site for performing a purchase procedure for a predetermined product by first clicking (operation of the operation button 13) after photographing the two-dimensional barcode 21, The product can be ordered with a second click.
[0048]
Information relating to the product ordered by the user and information for settlement of the price are transmitted to a settlement management company 51 (FIG. 4) that manages the sales system. For example, the product identification information, the number of items, etc. are transmitted as information about the product, and the card ID which is the identification information of the credit card issued in the credit service to which the user is subscribed is It is automatically sent regardless of the input operation. Therefore, the user needs to register the card ID of the credit card in the mobile phone 1 before using this sales system.
[0049]
FIG. 3A is a diagram illustrating an example of an operation for registering a card ID in the mobile phone 1.
[0050]
As shown in FIG. 3A, registration of the card ID to the mobile phone 1 is performed, for example, by holding the user's credit card 41 over the mobile phone 1 according to a predetermined guide.
[0051]
In FIG. 3A, a non-contact IC card reader / writer chip 171 (FIG. 7) built in the mobile phone 1 is brought closer to the user to a non-contact IC chip 41A disposed on the credit card 41. For example, as shown in FIG. 3B, the housing surface of the mobile phone 1 corresponding to the position where the non-contact IC card reader / writer chip 171 is incorporated (in this example, the back surface below the housing) A mark 1B indicating that there is a non-contact IC card reader / writer chip 171 is printed inside, and the user registers the card ID by bringing the mark 1B close to the non-contact IC chip 41A.
[0052]
When the user places the mark 1B (non-contact IC card / reader / writer chip 171) close to the non-contact IC chip 41A, the card ID stored in the non-contact IC chip 41A disposed on the credit card 41 is changed. Then, it is read out via wireless communication by the non-contact IC card reader / writer chip 171 of the mobile phone 1 and transmitted from the mobile phone 1 to a predetermined system prepared in the settlement management company 51 via the mobile phone network. . Then, the card ID is registered in the non-contact IC card reader / writer chip 171 of the mobile phone 1 based on an instruction by the system that is performed after the card ID is authenticated. In the system of the payment management company 51, information such as the card number, expiration date, and user name of the credit card 41 is managed in association with the card ID.
[0053]
In this system, for security reasons, the credit card number is not directly stored in the credit card 41, and the information converted into the card ID is read into the mobile phone 1, but the credit card number is directly stored in the card. If stored, the credit card number may be read directly.
[0054]
Thereby, the user can use the mobile phone 1 as a child card of his / her credit card 41 and pay for the purchased product. The registration process of the card ID read from the non-contact IC chip 41A of the credit card 41 will be described in detail later.
[0055]
FIG. 3B is a diagram showing an example of another operation for registering the card ID in the mobile phone 1. In this example, a SIM (Subscriber Identity Module) card 42 is inserted in the slot 1 </ b> A formed on the back surface of the mobile phone 1. The card ID is registered by being inserted. The slot 1A appears, for example, when a predetermined lid member is removed, and FIG. 3B shows the appearance at that time.
[0056]
When the SIM card 42 is inserted into the slot 1A, the card ID stored in the chip 42A disposed on the SIM card 42 is read by the mobile phone 1 and stored in the memory of the mobile phone 1.
[0057]
As described above, the card ID may be registered in the mobile phone 1 not only by the non-contact type registration operation (FIG. 3A) but also by the contact type registration operation (FIG. 3B).
[0058]
As described above, the card ID registered in the mobile phone 1 is used to directly search for a predetermined product from the two-dimensional barcode photographed by the camera 12 of the mobile phone 1 without going through the search page for the product to be purchased. Since the user can access the order site and make a payment, the user can easily order the product without being restricted by the location.
[0059]
Further, since it is possible to easily apply for a product, an increase in sales can be expected even on the side of selling the product, and profits can be obtained.
[0060]
In the example of FIG. 1, when a product code 24 broadcast on TV shopping is input by the user, the order site address is searched based on the product code 24, and the order site is searched based on the acquired address. Access to is done automatically. Also by this, the user can display the order site screen by a very simple operation, for example, only by inputting a predetermined number of digits.
[0061]
In this case, the correspondence between the product code 24 and the order site address is managed by, for example, a predetermined system of the payment management company 51.
[0062]
FIG. 4 is a diagram showing a configuration example of a sales system to which the present invention is applied. The same parts as those in FIG. 1 are denoted by the same reference numerals.
[0063]
The settlement management company 51 has a card management system 61, a merchandise master 62, a management system 63, and a member master 64, and mainly manages primary orders for merchandise and settlement.
[0064]
The card management system 61 provides the mobile phone 1 with a mobile payment application for using this sales system, and manages the card ID stored in the non-contact IC card reader / writer chip of the mobile phone 1. Downloading of the mobile payment application (providing to the mobile phone 1) and writing of the card ID are performed via the mobile phone network 52, as indicated by a broken line in the figure.
[0065]
The product master 62 manages information on products to be sold to the user. As will be described in detail later, product information managed by the product master 62 is registered by a member store (manufacturer, store, etc.) that is the sales source of the product. That is, the payment management company 51 has a role of mediating between a member store as a requester who requests sales and a user.
[0066]
The management system 63 manages various processes such as receiving orders for products by the user (mobile phone 1) and ordering products from member stores such as the mail order company 53, the digital content provider 54, and the manufacturer 55. .
[0067]
For example, when the identification information of the product to be ordered and the card ID are transmitted from the mobile phone 1, the management system 63, based on the identification information of the product, the product such as information on the seller selling the product and the price. Information is acquired from the merchandise master 62, and attribute information such as the card number and expiration date of the credit card owned by the user is acquired from the member master 64 based on the card ID. In addition, the management system 63 appropriately transmits order information including attribute information and the like to the mail-order sales company 53, the digital content provider 54, and the manufacturer 55, which are sales sources of the products ordered by the user, and requests delivery of the products. Do. The order information transmitted from the management system 63 also includes information such as delivery destination information, product code, a result of an appropriate credit (authorization result), and an order number.
[0068]
The member master 64 manages attribute information (credit service information) such as a card number of a credit card issued to the user of the mobile phone 1 in association with the card ID. The attribute information managed by the member master 64 may be registered by the user, or may be acquired from a credit service company database. For example, when the payment management company 51 also performs credit card issuance work, attribute information such as a card number is acquired from the database.
[0069]
In FIG. 4, a mail-order company 53, a digital content company 54, and a manufacturer 55 are shown as member stores of the sales system managed by the payment management company 51. When order information is transmitted, inventory confirmation, order processing, product shipment arrangement, etc. are performed.
[0070]
FIG. 5 is a diagram showing a more detailed configuration example of the system prepared in the payment management company 51 and the member store 111 (mail order company 53, digital content provider 54, manufacturer 55, etc.) in FIG.
[0071]
The application management server 81 of the card management system 61 of the payment management company 51 manages the download of the mobile payment application and provides the mobile payment application to the mobile phone 1 via the base station 71 and the mobile phone network 52. . Further, the application management server 81 has an authentication unit 91, and confirms (determines) the validity of the card ID transmitted from the mobile phone 1, and performs user authentication based on the password and ID.
[0072]
The secure server 82 performs encrypted communication according to a predetermined protocol with the secure client 202 (FIG. 8) implemented in the mobile phone 1 in conjunction with communication using HTTP (Hyper Text Transfer Protocol). . After communication by the secure server 82 is established, information can be written to the non-contact IC card / reader / writer chip 171 by a SAM (Secure Application Module) 83.
[0073]
The SAM 83 authenticates the non-contact IC card / reader / writer chip 171 (FIG. 7) of the mobile phone 1, generates a predetermined command, and stores information stored in the non-contact IC card / reader / writer chip 171. And writing information to the non-contact IC card / reader / writer chip 171. For example, data can be written to the non-contact IC card reader / writer chip 171 only by a device provided with a module having the same function as the SAM 83.
[0074]
The mobile payment system 101 includes the product master 62, the management system 63, and the member master 64 described above.
[0075]
The merchandise master 62 stores merchandise information transmitted from the browser 131 of the order / order inventory management system 121 prepared in the member store 111. In other words, each member store can register information on products for which sales are requested from the payment management company 51 from a screen displayed by the browser.
[0076]
The order / order inventory management system 121 accesses the registration site of the merchandise information managed by the management system 63 when an employee of the member store 111 is instructed to access the registration site. Display the site screen. Then, the order / order stock management system 121 transmits the product information input on the screen of the registration site to the management system 63 to register the product information.
[0077]
The order / order stock management system 121 receives the order information transmitted from the management system 63 and performs predetermined order processing and delivery processing of the product 73. For example, as an order processing, the order / order inventory management system 121 transmits an order confirmation mail 72 from the mail server 122 to the mobile phone 1 or manages inventory.
[0078]
FIG. 6 is a block diagram illustrating a functional configuration example of the management system 63 of FIG. 4 or FIG.
[0079]
The merchandise information registration unit 141 receives merchandise information transmitted from the browser 131 of the order / order stock management system 121 and registers it in the merchandise master 62. The product information registered in the product master 62 by the product information registration unit 141 is appropriately output to the two-dimensional barcode generation unit 142 and the order site management unit 143.
[0080]
The two-dimensional bar code generation unit 142 registers the product information by the order / order inventory management system 121 and prepares an order site for the product. Generate a code (graphic image). The two-dimensional barcode generated by the two-dimensional barcode generation unit 142 is issued to the member store 111, an advertising agent that represents the advertisement of the merchandise of the member store 111, and the like.
[0081]
The order site management unit 143 prepares an order site that can perform a product order procedure in response to registration of product information. In addition, when an order for a product is applied by a user who has accessed the order site, the order site management unit 143 relates to the product based on the product identification information transmitted from the mobile phone 1 simultaneously with the application. Detailed information is acquired from the product master 62 and is output to the order receiving unit 144, and the card ID transmitted from the mobile phone 1 is output to the order receiving unit 144.
[0082]
Based on the card ID supplied from the order management site 143, the order receiving unit 144 acquires attribute information such as a user's credit card number, expiration date, and issuer from the member master 64, and credits it as necessary. Do. When the credit is successful, the order reception unit 144 outputs the product information supplied from the order site management unit 143 to the ordering unit 145 together with the attribute information, and requests the member store 111 to place an order.
[0083]
The ordering unit 145 transmits the above-described order information to the member store 111 and requests delivery of the product.
[0084]
FIG. 7 is a block diagram illustrating a configuration example of the mobile phone 1.
[0085]
A CPU (Central Processing Unit) 168 expands a control program stored in a ROM (Read Only Memory) 169 in a RAM (Random Access Memory) 170, and controls the overall operation of the mobile phone 1 according to the control program. For example, the CPU 168 controls a DSP (Digital Signal Processor) 164 based on an instruction from the user, and controls communication via the base station 71 and the mobile phone network 52.
[0086]
In the transmission unit 162 and the reception unit 163, for example, communication conforming to a PDC (Personal Digital Cellular) method or a W-CDMA (Wideband-Code Division Multiple Access) method is performed.
[0087]
When the voice information is supplied from the DSP 164, the transmission unit 162 performs predetermined processing such as digital-analog conversion processing and frequency conversion processing, and transmits the obtained voice signal to the predetermined transmission selected by the base station 71. It transmits from the antenna 161 by the radio channel of a carrier frequency.
[0088]
For example, in the voice call mode, the receiving unit 163 amplifies the RF signal received by the antenna 161 and performs predetermined processing such as frequency conversion processing and analog-digital conversion processing, and outputs the obtained voice information to the DSP 164 To do.
[0089]
The DSP 164 performs, for example, spectrum despreading processing on the audio information supplied from the receiving unit 163, and outputs the obtained data to the audio processing unit 165. Further, the DSP 164 performs spread spectrum processing on the audio information supplied from the audio processing unit 165, and outputs the obtained data to the transmission unit 162.
[0090]
The voice processing unit 165 converts the user's voice collected by the microphone 167 into voice information and outputs it to the DSP 164. The audio processing unit 165 converts the audio information supplied from the DSP 164 into an analog audio signal, and outputs a corresponding audio signal from the speaker 166.
[0091]
The display unit 11 is configured by an LCD (Liquid Crystal Display) or the like, and displays a corresponding screen based on information supplied from the CPU 168.
[0092]
The camera 12 shoots according to the control by the CPU 168 and outputs the obtained image to the CPU 168.
[0093]
The input unit 13 detects user input to various buttons such as a numeric keypad, a call button, and a power button provided on the surface of the mobile phone casing and outputs a corresponding signal to the CPU 168.
[0094]
The non-contact IC card / reader / writer chip 171 is a one-chip module that realizes a function as a non-contact IC card for an external reader / writer and a function as a reader / writer for an external non-contact IC card.
[0095]
For example, when the function of the non-contact IC card is enabled, the non-contact IC card / reader / writer chip 171 communicates with an external reader / writer in a non-contact manner and is stored in the memory 181. Providing information. On the other hand, when the reader / writer function is enabled, the non-contact IC card / reader / writer chip 171 is connected to the non-contact IC card provided on the credit card held (closed) to the mobile phone 1. They communicate with each other in a non-contact manner, read various information stored in the memory of the non-contact IC card, and write information.
[0096]
In FIG. 7, only one antenna 182 is shown. However, when the non-contact IC card / reader / writer chip 171 functions as a non-contact IC card, the antenna 182 functions as a reader / writer. Each antenna used may be provided.
[0097]
FIG. 8 is a block diagram illustrating a functional configuration example of the mobile phone 1.
[0098]
Each functional unit in FIG. 7 is realized by a predetermined program being executed by the CPU 168 and a CPU (not shown) of the non-contact IC card reader / writer chip 171. For example, the image analysis unit 191, the communication control unit 192, the imaging control unit 193, and the display control unit 194 are realized by executing a mobile payment application downloaded from the application management server 81.
[0099]
The image analysis unit 191 analyzes the black and white pattern of the two-dimensional barcode captured by the camera 12 and supplied from the imaging control unit 193, and acquires the URL included in the two-dimensional barcode. The URL acquired by the image analysis unit 191 is output to the communication control unit 192.
[0100]
The communication control unit 192 controls the transmission unit 162 and the reception unit 163, for example, performs communication with the card management system 61 of the payment management company 51 by HTTP using the browser 202, and communicates with the secure server 82 by the secure client 202. Controls encryption processing, decryption processing, and the like of communication performed between them.
[0101]
The display control unit 194 controls the display on the display unit 11. For example, the display control unit 194 causes the display unit 11 to display a product order site screen accessed by analyzing a two-dimensional barcode.
[0102]
The non-contact IC card control unit 211 of the chip control unit 195 controls the non-contact IC card / reader / writer chip 171 to realize a function as a non-contact IC card. For example, in response to a request from an external reader / writer Thus, the information stored in the memory 181 is provided. The reader / writer control unit 212 realizes a function as a non-contact IC card reader / writer, and manages data stored in an external non-contact IC card.
[0103]
The memory management unit 213 manages reading of information stored in the memory 181 and writing of information to the memory 181.
[0104]
FIG. 9 is a diagram illustrating an example of the memory 181 managed by the memory management unit 213.
[0105]
As shown in the figure, the memory 181 includes a common area 181A and an individual area 181B. The common area 181A is an area where each application using the non-contact IC card reader / writer chip 171 can freely form an area and store data. The individual area 181B is, for example, This is an area preliminarily assigned as dedicated to a predetermined company such as a carrier of the mobile phone 1.
[0106]
In the common area 181A, for example, information such as a card ID is stored based on an instruction from the SAM 83 of the card management system 61. When the payment management company 51 also issues electronic money, the common area 181A also stores electronic money information and the like based on an instruction from the SAM 233 of the electronic money management system 181 that manages the issue. Is done.
[0107]
On the other hand, for example, information supplied from service providers 241A to 241C managed by the carrier of the mobile phone 1 is stored in the individual area 181B.
[0108]
As described above, only a system having a secure server can perform encrypted communication with the secure client 202 of the mobile phone 1, and only a system having a SAM Predetermined information can be written into the memory 181. Therefore, the payment management company 51 may perform a paid service (communication agency service) for providing the service management unit 201A to 201C with the communication management system including the application management system 251, the secure server 252, and the SAM 253. Good.
[0109]
Returning to the description of FIG. 8, the communication control unit 214 controls the load of the antenna 182 based on instructions from the non-contact IC card control unit 211 and the reader / writer control unit 212, and an external reader / writer or non-contact IC card. Controls short-range wireless communication performed between the two.
[0110]
4 and FIG. 5 other than the cellular phone 1 is realized by, for example, a personal computer as shown in FIG.
[0111]
The CPU 261 executes various processes according to a program stored in the ROM 262 or a program loaded from the storage unit 268 to the RAM 263. The RAM 263 also appropriately stores data necessary for the CPU 261 to execute various processes.
[0112]
The CPU 261, ROM 262, and RAM 263 are connected to each other via a bus 264. An input / output interface 265 is also connected to the bus 264.
[0113]
The input / output interface 265 is connected to an input unit 266 including a keyboard and a mouse, an output unit 267 including a display such as an LCD, a storage unit 268 including a hard disk, and a communication unit 269. The communication unit 269 performs communication via a network.
[0114]
A drive 270 is connected to the input / output interface 265 as necessary, and a magnetic disk 271, an optical disk 272, a magneto-optical disk 273, a semiconductor memory 274, or the like is appropriately mounted, and a computer program read therefrom is required. Accordingly, it is installed in the storage unit 268.
[0115]
Hereinafter, the configuration of FIG. 10 is appropriately referred to as the configuration of each system of FIGS. 4 and 5.
[0116]
Next, the operation of the sales system having the above configuration will be described.
[0117]
First, processing for registering a card ID in the mobile phone 1 will be described with reference to the flowchart of FIG.
[0118]
In step S1, the CPU 168 of the mobile phone 1 activates the browser 201 in accordance with an instruction from the user. After the browser 201 is activated, the communication control unit 192 enters the registration site managed by the application management server 81 (FIG. 5) of the card management system 61 via the base station 71 and the mobile phone network 52 in step S2. Access and request card ID registration.
[0119]
In step S21, the application management server 81 receives a request from the mobile phone 1, proceeds to step S22, and starts downloading a mobile payment application.
[0120]
The mobile phone 1 receives the mobile payment application downloaded from the application management server 81 in step S3. When the download is completed, the mobile phone 1 proceeds to step S4 and activates the mobile payment application. Thereby, the secure client 202 is realized in the mobile phone 1, and secure communication with the secure server 82 of the card management system 61 is realized.
[0121]
In step S5, the display control unit 194 causes the display unit 11 to display a screen for guiding the user to hold the credit card over the mobile phone 1 (non-contact IC card / reader / writer chip 171).
[0122]
At this time, the user is also instructed to input a PIN (Personal Identification Number) assigned in advance to the user. The communication control unit 192 transmits the PIN input according to the guidance from the transmission unit 162 to the application management server 81.
[0123]
In step S23, the authentication is performed by the application management server 81 that has received the PIN transmitted from the mobile phone 1, and when the authentication is successful, the subsequent processing is performed.
[0124]
After the PIN is transmitted and the authentication is performed, the reader / writer control unit 212 controls the non-contact IC card / reader / writer chip 171 to search for a non-contact IC card arranged on the credit card (polling). To start.
[0125]
According to the guidance displayed on the display unit 11, as shown in FIG. 3A, the user holds (closes) his / her credit card 41 over the mobile phone 1 and uses the card ID stored in the non-contact IC card 41A. The non-contact IC card reader / writer chip 171 is caused to read.
[0126]
When it is detected that the credit card 41 has come close, in step S7, the reader / writer control unit 212 reads the card ID stored in the non-contact IC card 41A. The card ID read by the reader / writer control unit 212 is output to the secure client 202.
[0127]
In step S8, the secure client 202 transmits the card ID to the card management system 61, and requests that the card ID be written in the memory 181.
[0128]
In step S <b> 24, the authentication unit 91 of the card management system 61 receives the card ID transmitted from the mobile phone 1. The card ID is transmitted after being encrypted by the secure client 202 of the mobile phone 1 and decrypted by the secure server 82. Other information is also sent and received after being encrypted by the secure server 82 and the secure client 202 as necessary.
[0129]
In step S24, the authentication unit 91 determines whether the card ID transmitted from the mobile phone 1 is valid based on information stored in a database of a card company (not shown). . The user of the mobile phone 1 may be requested to input a password or ID, and the validity of the card ID may be confirmed based on information such as a password input in response to the request.
[0130]
When the authentication unit 91 confirms that the card ID is valid, in step S25, the SAM 83 of the card management system 61 creates an area for registering the card ID in the mobile phone 1, and Then, a command for instructing registration of the service in the created area is transmitted via the secure server 82. The command for instructing the registration of the service transmitted here includes, for example, the service name of the credit service that is obtained based on the card ID and issued by the user over the mobile phone 1, and the service identification Information etc. are included.
[0131]
In step S9, the secure client 202 of the mobile phone 1 receives the command transmitted from the SAM 83 and outputs it to the memory management unit 213. In step S10, the memory management unit 213 creates an area (card area) for registering a card ID in the common area 181A of the memory 181 and registers a service according to the supplied command.
[0132]
When the creation of the card area and the registration of the service are completed, the secure client 202 requests the card management system 61 to write the card ID in step S11.
[0133]
The request from the mobile phone 1 is received by the SAM 83 of the card management system 61 in step S26. The SAM 83 creates a command for writing the card ID in the card area created in the memory 181 of the mobile phone 1, proceeds to step S <b> 27, and transmits it to the mobile phone 1.
[0134]
The command transmitted from the SAM 83 is received by the secure client 202 and output to the memory management unit 213 in step S12. In step S13, the memory management unit 213 registers the card ID of the credit card instructed to be registered in association with the service registered in step S10 in accordance with the command transmitted from the SAM 83.
[0135]
The memory management unit 203 also registers information such as the expiration date of the card ID (credit card) in the memory 181 together with the card ID as necessary.
[0136]
12A to 12D are diagrams illustrating examples of state transition of the memory 181. FIG.
[0137]
FIG. 12A is a diagram illustrating a state of the memory 181 at the time of shipment. For example, the common area 181A is activated at the timing when a card area creation and service registration command is transmitted from the SAM 83 (FIG. 12A). 12B) Subsequently, a card area 281 is created (FIG. 12C).
[0138]
After the card area 281 is created, the credit service information and the card ID are registered in the card area 281 as shown in FIG. 11D. In the example of FIG. 11D, the service name “service A” and the card ID “0001” are written in the card area 281.
[0139]
When the writing of the card ID is completed, in step S14, the secure client 202 notifies the card management system 61 that the writing of the card ID has been normally completed.
[0140]
The management system 63 that has received the notification from the mobile phone 1 in step S28 registers the user information of the mobile phone 1 in the member master 64 as member information of the sales system, and ends the process.
[0141]
FIG. 13 is a diagram illustrating an example of information registered in the member master 64.
[0142]
For example, information such as a card ID, a credit card number, an issuer, an expiration date, a name, an address, and an email address is registered as member information of the sales system.
[0143]
Thus, since the address, e-mail address, etc. are registered in the member master 64 in advance, the user delivers the registered address without inputting the information each time the product is purchased. The e-mail address can be the transmission destination of the confirmation e-mail from the member store 111.
[0144]
In the example of FIG. 13, the card number “0000-0000-0000-0000”, the issuer “JCC”, and the expiration date “05/05 (May 2005)” are associated with the card ID “0001”. , Name "YAMADA", address "Tokyo ...", and mail address "YAMADA@A.co.jp" are registered, as well as other member information. Information such as the delivery destination is registered by the user via postal mail or encrypted communication performed between the secure server 82 and the secure client 202 as described above.
[0145]
In this way, by using a password or the like, it is confirmed that the user of the mobile phone 1 is a credit service contractor (a user who has been issued a credit card), or the validity of the card ID is confirmed. Therefore, since the card information is registered by the SAM 83 of the card management system 61, an illegal act such as so-called “spoofing” can be prevented. If the user can register the card ID directly to the mobile phone, the other person's card ID can be registered to his / her own mobile phone, and fraudulent acts such as “spoofing” can be easily performed. However, it becomes impossible by the above processing.
[0146]
In addition, since information transmitted and received between the mobile phone 1 and the card management system 61 is encrypted based on key information managed by the secure server 82 and the secure client 202, leakage of a card ID or the like is performed. Can be prevented.
[0147]
Furthermore, the card ID can be registered by a more intuitive operation such as holding the credit card over the mobile phone 1. Therefore, the user can perform it only by inputting a password or the like without performing a complicated operation.
[0148]
Next, other processing for registering the card ID in the mobile phone 1 will be described with reference to the flowchart of FIG.
[0149]
In the processing of FIG. 14, the card ID is read from the credit card by the mobile phone 1 and is not transmitted to the payment management company 51 (card management system 61), but is transmitted from the mobile phone 1. 11 is different from the processing of FIG. 11 in that the payment management company 51 acquires the user's card ID and confirms the validity based on the identification information.
[0150]
Accordingly, even if a credit card is not actually issued (physically), the user can register the card ID corresponding to the identification information in the mobile phone 1 as long as the identification information is issued. Can do.
[0151]
The processing in FIG. 14 is basically the same as the processing described with reference to FIG. That is, in step S40, the CPU 168 of the mobile phone 1 activates the browser 201 in accordance with an instruction from the user and accesses, for example, a registration site managed by the application management server 81 of the card management system 61.
[0152]
When the registration site is accessed, an input screen for inputting identification information issued to the user is displayed on the display unit 11 of the mobile phone 1, and the user inputs the identification information according to the input screen.
[0153]
For example, as identification information, when a credit card is issued, a password or service ID notified in advance to the user, a number of a predetermined number of credit card numbers, or a CVV (printed on the back side of the credit card) Card Verification Value) is used. Of course, all the digits of the credit card number may be used as identification information, but it is preferable to use these numbers in order to prevent leakage of the credit card number.
[0154]
The identification information input by the user is transmitted to the card management system 61 in step 42.
[0155]
In step S61, the authentication unit 91 of the application management server 81 receives the identification information transmitted from the mobile phone 1, proceeds to step S62, and acquires a card ID based on the identification information. For example, a card ID corresponding to the identification information (a card ID that the user desires to register) is acquired from the member master 64 that manages the identification information and the card ID in association with each other or a database of a predetermined credit service company.
[0156]
In step S63, the authentication unit 91 confirms the validity of the acquired card ID, and when confirming that the card ID is valid, performs the subsequent processing.
[0157]
In addition to the identification information, the user may be guided to input a PIN and may be authenticated. In this case, in step S43, the communication control unit 192 transmits the PIN input by the user according to the guidance from the transmission unit 162 to the application management server 81. When the authentication performed in step S64 is successful, Process.
[0158]
After confirming the validity of the card ID and authenticating the PIN, the application management server 81 starts downloading the mobile payment application in step S65.
[0159]
When the download of the mobile payment application received in step S44 is completed, the CPU 168 of the mobile phone 1 proceeds to step S45 and activates it.
[0160]
In step S66, the SAM 83 of the card management system 61 transmits a command for updating the temporary key information set in the common area 181A of the memory 181 to the mobile phone 1 at the time of shipment.
[0161]
In step 46, the memory management unit 213 of the mobile phone 1 receives the command transmitted from the SAM 83, proceeds to step 47, and updates the key information set in the card area 281.
[0162]
Since key information corresponding to the key information updated in the memory 181 of the mobile phone 1 is prepared in the SAM 83 of the card management system 61, only devices having the key information are stored in the memory 181 of the mobile phone 1 thereafter. The stored card ID can be read out.
[0163]
The processes between the cellular phone 1 and the systems of the payment management company 51 after step 48 are the same as the processes of steps S9 to S14 and S25 to S28 of FIG.
[0164]
That is, in step S67, the SAM 83 of the card management system 61 transmits a command for instructing creation of an area for registering a card ID and registration of a service to the created area to the mobile phone 1, The memory management unit 213 that has acquired the command in step S48 creates a card area and registers a service in step S49.
[0165]
When the creation of the card area and the registration of the service are completed, in step S50, the secure client 202 of the mobile phone 1 requests the card management system 61 to write a card ID, and the card management is performed in response to this request. Based on the command transmitted from the SAM 83 of the system 61, the card ID is written in the card area 281 in step S52.
[0166]
When the writing of the card ID is completed, the secure client 202 notifies the card management system 61 that the writing of the card ID has been normally completed. In step S70, information related to the user of the mobile phone 1 is sent to the sales system. After being registered as member information, the processing is terminated.
[0167]
As described above, even if the credit card is not actually issued to the user, the user who has contracted for the credit service can input the card ID to the mobile phone 1 as long as the predetermined identification information is input. You can register and make payments accordingly.
[0168]
After registering the card ID in the mobile phone 1 as described above, the user accesses the ordering site for a predetermined product from the two-dimensional barcode photographed by the mobile phone 1 and applies for the purchase of the product. Can be used for credit card payment.
[0169]
The registration process as described above may be repeatedly performed so that card IDs corresponding to a plurality of credit cards are registered in the mobile phone 1. In this case, the user can select a predetermined card ID from a plurality of card IDs and perform payment for the selected card ID.
[0170]
Next, a series of processes in which product information is registered by the member store 111 will be described with reference to the flowchart of FIG.
[0171]
For example, when registration of product information is instructed by an employee of the member store 111, in step S81, the CPU 261 (FIG. 10) of the order / order inventory management system 121 starts the browser 131, and proceeds to step S82. Access the registration site for registering product information. The product information registration site is managed by, for example, the product information registration unit 141 of the management system 63.
[0172]
When accessing the registration site, in step S83, the browser 131 displays a product registration screen on the display unit.
[0173]
FIG. 16 is a diagram illustrating an example of a product registration screen.
[0174]
For example, on the product registration screen, a product name input field 301 for inputting a product name of a product requested to be sold, a product code input field 302 for inputting a product code, a unit price input field 303 for inputting a product unit price, and a stock quantity (sales In addition to the stock input field 304 for inputting the number), various input fields for inputting information necessary for sales of goods, orders received, and the like are displayed.
[0175]
When an employee of the member store 111 inputs predetermined information in the product name input field 301 to the stock input field 304 and instructs to register product information, the browser 131 displays the input product in step S84. The information is transmitted to the product information registration unit 141 of the management system 63, and the registration is requested.
[0176]
In step S92, the product information registration unit 141 of the management system 63 receives a request from the browser 131, proceeds to step S93, and creates an order site where the accessing user can place an order for the product. Assign a URL (determine the order site URL). The assigned URL is output to the two-dimensional barcode generation unit 142.
[0177]
In step S94, the two-dimensional barcode generation unit 142 performs a predetermined process such as a scramble process on the URL assigned by the product information registration unit 141, so that the mobile phone 1 can analyze the two-dimensional bar code. Generate a barcode. Further, the two-dimensional barcode generation unit 142 issues the generated two-dimensional barcode to a designated issue destination such as the member store 111 or an advertising agency that represents an advertisement of a product sold by the member store 111. To do.
[0178]
In step S85, the two-dimensional barcode is acquired by the member store 111 or the like, and then printed on each advertisement medium by the printing company.
[0179]
In step S95, the merchandise information registration unit 141 registers merchandise information in the merchandise master 62, and ends the process.
[0180]
The processing as described above is performed by each member store, and a database as shown in FIG.
[0181]
In the database of FIG. 17, the product name of the product to which the product ID “001” is assigned is “Magazine A”, and the price is “500 yen”. The sales source of “Magazine A” is “Bookstore A”, and it is said that “50 books” are in stock. Further, the URL of the order site assigned to “Magazine A” is “http://WWW.mobile.com/abcshop/”. Therefore, the user can access the order site where the purchase procedure of “Magazine A” can be performed by photographing the two-dimensional barcode embedded with this URL with the camera 12 and instructing access.
[0182]
In the example of FIG. 17, the product name of the product to which the product ID “002” is assigned is “Furniture B”, and the price thereof is “10000 yen”. Further, “Furniture B” is sold by “Interior Shop B”, and it is said that “10 pieces” are in stock. Further, the URL of the order site assigned to “Furniture B” is “http://WWW.mobile.com/efgshop/”.
[0183]
The product information as described above is managed by the product master 62 and is read out by the order site management unit 143 or the like as necessary. Information on the product features such as color and shape, contact information of the member store, product delivery company, etc. is also registered in the product master 62 by the employee of the member store 111 as necessary, and is stored in the product ordering site. It will be posted.
[0184]
As described above, merchandise information can be registered from a browser such as Internet Explorer (trademark), which is generally prepared in a personal computer, and the merchandise store can be requested from the payment management company 51. However, even a relatively small store or manufacturer can easily make the request.
[0185]
The settlement management company 51 can also have relatively small-scale stores and manufacturers as member stores, and the sales system itself can be large-scale.
[0186]
Next, with reference to a flowchart of FIG. 18, a product order process performed by the mobile phone 1 will be described.
[0187]
In response to the instruction to shoot, in step S111, the shooting control unit 193 drives the camera 12 to shoot, for example, a two-dimensional barcode 21A (FIG. 2A) printed on a hanging advertisement in a train. To do. An image including the two-dimensional barcode 21A captured by the imaging control unit 193 is output to the image analysis unit 191 and the display control unit 194. That is, in this case, the order process of FIG. 18 is performed, for example, in a train.
[0188]
When a predetermined button of the operation button 13 is pressed and an instruction to access a product ordering site is given, the image analysis unit 191 performs a two-dimensional barcode included in the image supplied from the imaging control unit 193 in step S112. And extract the URL represented by the two-dimensional barcode. Further, the image analysis unit 191 outputs the extracted URL to the communication control unit 192, and instructs access to the order site specified by the URL.
[0189]
In step S <b> 113, the browser 201 of the communication control unit 192 accesses an order site that performs a product order procedure based on the URL supplied from the image analysis unit 191.
[0190]
When accessed from the mobile phone 1 in step S131, the order site management unit 143 of the management system 63 transmits the screen file of the order site to the mobile phone 1 in step S132.
[0191]
In step S <b> 114, the display control unit 194 of the mobile phone 1 displays the order site screen on the display unit 11 based on the file transmitted from the order site management unit 143.
[0192]
FIG. 19 is a diagram illustrating an example of an order site screen.
[0193]
The screen shown in FIG. 19 is a screen for performing a digital camera purchase procedure, and displays information related to the digital camera. For example, this screen is displayed when the two-dimensional barcode 21A to be printed on the advertisement (advertisement on the left side) of the digital camera in FIG.
[0194]
In the screen of FIG. 19, as information on products that can be purchased, the name of the member store “Somy”, the digital camera product name “DSC-X”, the unit price “30000 yen”, the order, The number “1” is displayed. These pieces of information are registered by, for example, an employee of “Somy”, which is a member store, in accordance with the processing of FIG. 15 described above.
[0195]
In the lower part of the screen, a message “Would you like to apply for purchase?”, Which is a message asking the user whether or not to apply for the purchase of a product, is displayed, and a purchase button 311 is displayed therebelow. The purchase button 311 is activated so as to be pressed in conjunction with one operation of one of the operation buttons 13 being operated, for example. Accordingly, the user can order one digital camera with the product name “DSC-X” by operating the predetermined button once while the screen of FIG. 19 is displayed.
[0196]
When the purchase button 311 is pressed and it is instructed to apply for the purchase of the product, in step S115, the browser 201 applies for the purchase of the product instructed by the user.
[0197]
The order site management unit 143 receives the purchase application from the mobile phone 1 in step S133, proceeds to step S134, and requests the mobile phone 1 to start the mobile payment application.
[0198]
In step S116, the CPU 168 receives the request from the order site management unit 143 via the reception unit 163 and the like, proceeds to step S117, and performs the processing described with reference to FIGS. 11 and 14 from the card management system 61. The mobile payment application provided in advance is started. Thereby, the secure client 202 is realized, and encrypted communication can be performed with the secure server 82 of the card management system 61.
[0199]
When the mobile payment application is activated, the user is prompted to enter a PIN. The communication control unit 192 transmits the PIN input according to the guidance to the application management server 81 in step S118.
[0200]
In step S135, the authentication is performed by the application management server 81 that has received the PIN transmitted from the mobile phone 1, and when the authentication is successful, the subsequent processing is performed.
[0201]
In step S119, the secure client 202 transmits information such as the card ID registered in the memory 181 and the expiration date of the card ID by the processing of FIG. 11 or FIG. 14, and requests credit settlement using the card ID.
[0202]
In step S136, the order site management unit 143 of the management system 63 receives the card ID, the expiration date, and the like transmitted from the mobile phone 1 via the secure server 82, and reads the product price information read from the product master 62. The card ID and the expiration date are output to the order receiving unit 144.
[0203]
In step S136, the order receiving unit 144 acquires the attribute information registered in the member master 64 in association with the card ID. For example, as attribute information, from the database as shown in FIG. 13 built in the member master 64, the card number of the credit card issued by the credit service to which the user of the mobile phone 1 is subscribed, the issuer, Credit card expiration date, name, address, e-mail address, etc. are acquired.
[0204]
In step S137, the order receiving unit 144 accesses the credit service company or bank database based on the card number acquired from the member master 64, and performs authorization. When the credit is successful, the order receiving unit 144 transmits to the mobile phone 1 a file for displaying a screen for presenting to the user that the order has been completed in step S138.
[0205]
Thereafter, in step S139, the order reception unit 144 performs payment for the price of the product for which the user has applied for purchase. For example, the order reception unit 144 transmits a card number and money amount information to the credit card issuer, and withdraws the money from the designated account and transfers the money to the account of the member store 111. Ask that.
[0206]
Note that this settlement (request to the credit card issuer) may be performed at a predetermined interval such as every day, or at a timing when the order content is confirmed by the user by processing to be described later. In this case, the order reception unit 144 stores the credit card number acquired from the member master 64, information on the amount to be settled, and the like until a request is issued to the credit card issuer.
[0207]
On the other hand, in step S120, the display control unit 194 receives the file transmitted from the management system 63 via the secure client 202, and causes the display unit 11 to display a screen for notifying that the order has been completed. The information transmitted from the management system 63 includes an application number for identifying the application made here. For example, the application number is displayed on the display unit 11. With the above processing, the application for the product by the mobile phone 1 is completed.
[0208]
As described above, since the two-dimensional barcode printed on the advertisement can be taken and the order site of the product posted in the advertisement can be directly accessed by a predetermined operation such as one click, For example, the user can easily and quickly apply for a product while watching an advertisement.
[0209]
In addition, since the card ID registered in the mobile phone 1 can be used for credit payment for the product, it is possible to save the trouble of inputting the credit card number, the expiration date, etc. It is possible to prevent the leakage of the credit card number that may occur by transmitting the number via the network.
[0210]
Furthermore, compared to a conventional sales system using a mobile phone, which uses a mobile phone 1 to access a predetermined shopping site, search for a product to purchase, and apply for purchase from there, use an advertising medium such as paper. Thus, it is possible to provide more detailed product information to a user who is a customer. That is, in the advertisement displayed on the screen of the mobile phone 1, there is a limit to the information that can be provided to the user. In particular, depending on the displayed image, the attractiveness of the product may not be sufficiently communicated. The attractiveness of the product can be sufficiently communicated by a hanging advertisement in a train, etc., and the user's willingness to purchase can be caused. In other words, the application procedure may be easy, and sales of the product can be improved as compared with the conventional sales system.
[0211]
In the above description, the mobile phone 1 itself analyzes the two-dimensional barcode and extracts the URL. However, the photographed image (image including the two-dimensional barcode) is transmitted to a predetermined server, and the analysis result is obtained. The URL may be notified to the mobile phone 1 to access the order site. As a result, even if the mobile phone 1 is not equipped with a function for analyzing a two-dimensional barcode, as long as the camera is prepared, the direct access to the order site as described above is performed, and the subsequent procedure is performed. It can be carried out.
[0212]
In the above, access to the order site is performed, and the user can perform the order procedure on the screen displayed at that time. However, such access is not performed, but printing is performed on the advertisement. The data for displaying the order screen similar to the order site screen on the mobile phone 1 is embedded in the two-dimensional bar code itself, and the order screen is displayed based on the analysis result of the two-dimensional bar code by the mobile phone 1. It may be displayed. When the user instructs to purchase a product on the order screen, the information transmitted from the mobile phone 1 to the payment management company 51 is only information such as the product ID, card ID, and expiration date. Therefore, the amount of communication data can be reduced, and the communication fee required for ordering can be suppressed.
[0213]
Next, with reference to the flowchart of FIG. 20, a series of processes until the merchandise is delivered will be described following the process of FIG. 18.
[0214]
In step S 151, the ordering unit 145 of the management system 63 transmits order information to the order / ordering inventory management system 121 of the member store 111. In the order information, in addition to the information notifying that the settlement has been completed (step S39 in FIG. 18), the attribute information acquired from the member master 64 by the order receiving unit 144, the delivery destination information, the product code, the amount, the authorization As a result, the order number, the mail address of the mobile phone 1, and the like are also included.
[0215]
The order / order inventory management system 121 of the member store 111 receives the order information transmitted from the management system 63 in step S161, proceeds to step S162, and performs order processing. For example, as order processing, the order / order inventory management system 121 proceeds to step S163, and transmits an order confirmation email to the mobile phone 1 based on the email address of the mobile phone 1 included in the order information.
[0216]
The order confirmation mail is received by the mobile phone 1 in step S181, and the content is displayed on the display unit 11 in step S182.
[0217]
FIG. 21 is a diagram illustrating a display example of an order confirmation mail.
[0218]
As shown in FIG. 21, for example, as an order confirmation mail, in addition to the product name “DSC-X”, the price “30,000 yen”, and the number “1”, the order owner (user) The user's name “YAMADA”, delivery destination “Tokyo ...”, etc. are displayed. The information on the name of the orderer and the delivery destination is acquired from the member master 64 and included in the order information and provided from the management system 63 to the order / order inventory management system 121.
[0219]
In addition, a confirmation button 321 operated when confirming the application is displayed at the bottom of the screen. The user can confirm the purchase application for the product having the product name “DSC-X” by pressing the confirm button 321.
[0220]
When the confirm button 321 is pressed, a reply mail notifying that the application is confirmed is transmitted from the mobile phone 1 to the order / order stock management system 121 in step S183.
[0221]
In step S164, the order / order stock management system 121 receives the reply mail from the mobile phone 1 via the mail server 122, proceeds to step S165, and performs order confirmation processing. For example, the order / order inventory management system 121 notifies the settlement management company 51 that the order has been confirmed by a process of subtracting the number of inventory by the purchased amount, a search for a delivery company, or that the order has been confirmed. Perform processing to do. In step S166, the order / order stock management system 121 arranges delivery of the product and actually delivers the product.
[0222]
The delivered product is received by the user of the mobile phone 1 at the location designated as the delivery destination in step S184, and the process is terminated.
[0223]
In the sales system of FIG. 4, merchandise ordering, order receiving, ordering, delivery, and the like are performed as described above.
[0224]
In the above description, the order confirmation mail is transmitted from the member store 111, but it may be transmitted from the mail server of the settlement management company 51 as a matter of course.
[0225]
FIG. 22 is a diagram illustrating an example of the contract relationship and the flow of money in the above-described sales system.
[0226]
As shown in the figure, between the payment management company 51 and the member store 111, the payment management company 51 manages the sale of the product, and the member store 111 establishes a member store contract that uses the sales system, and the sale. The system usage fee (member store fee) is paid from the member store 111 to the payment management company 51. The member store fee from the member store 111 is received by the charging system 331.
[0227]
Between the payment management company 51 and the card member (user) 341, the payment management company 5151 gives the same function (so-called child card function) as the credit card to the mobile phone 1 of the card member 341, and the card member 341. However, a contract that can use the settlement by the function is established, and the annual membership fee as the consideration for providing the child card function and the service usage fee as the consideration for using the sales system are paid from the card member 341 to the settlement management company 51. Is called. The charge from the card member 341 is received by the billing system 332.
[0228]
Further, when the payment management company 51 and the non-contact IC card management company 342 that manages the non-contact IC card reader / writer chip 171 built in the mobile phone 1 possessed by the card member 341 are different, the non-contact IC card is also used between them. The management company 342 establishes a contract for managing the functions of the contactless IC card (common area use contract, card ticketing service contract (a contract provided by the contactless IC card management company 342, such as card ID registration)), The payment (common area activation, area registration license fee) is paid from the payment management company 51 to the contactless IC card management company 342.
[0229]
Further, as necessary, an application usage fee (license for an application for mobile payment) is paid from the payment management company 51 to a carrier (communication company) 343 of a mobile phone contracted by the card member 341.
[0230]
In this way, for example, a fee from the member store 111 and a usage fee from the card member 341 are paid to the payment management company 51 that manages the sales system. Obtainable.
[0231]
In the above, the mobile phone 1 is provided with the non-contact IC card / reader / writer chip 171, that is, the non-contact IC card and the module having the function of the reader / writer. Even when only the module that realizes the above is provided, as described above, it is possible to perform settlement using the card ID registered based on the identification information (registered by the processing of FIG. 14). As a module that realizes the function of such a non-contact IC card, for example, there is Felica (registered trademark).
[0232]
In the above, the case where the terminal in which card information is registered is the mobile phone 1 has been described. However, in addition to this, a card ID is assigned to a PDA (Personal Digital Assistants) or a notebook personal computer. It may be registered so that payment using it is possible.
[0233]
Further, in the above description, the case where the user of the mobile phone 1 purchases a predetermined product has been described. However, the “purchase of product” includes “service contract”.
[0234]
In addition, a two-dimensional bar code is printed on the advertising medium as an address for guiding the order site. The address can identify each order site, and the user (mobile phone 1) who has obtained the order site can identify it. However, any information may be used as long as the information is accessible to the order site. For example, a one-dimensional barcode in which black and white patterns are arranged only in the horizontal direction, or a number or alphabet having a predetermined number of digits can be used as an address.
[0235]
In the above, those addresses to be guided to the order site are taken in by the camera 12 of the mobile phone 1, but for example, a non-contact IC card (wireless communication chip) such as Felica (registered trademark) is used as the advertising medium. If it is arranged at a predetermined position, the address stored in the non-contact IC card may be taken in by the non-contact IC card reader / writer chip 171 of the mobile phone 1.
[0236]
FIG. 23A and FIG. 23B are diagrams showing another example of the advertisement medium, and correspond to the advertisement medium of FIG. 2A and FIG. 2B, respectively.
[0237]
23A and 23B, information can be read out by the non-contact IC card reader / writer chip 171 at the position where the two-dimensional barcode of the advertising medium of FIGS. 2A and 2B is printed. In addition, non-contact IC cards 351A, 351B, 352 are provided.
[0238]
When the non-contact IC cards 351A, 351B, 352 are arranged in the advertisement medium in this way, the user brings his / her mobile phone 1 close to the non-contact IC cards 351A, 351B, 352, and the non-contact IC card 351A, By causing the mobile phone 1 to read the addresses stored in 351B and 352, it is possible to directly access the order site without manually inputting the URL itself.
[0239]
Further, in the above, the card ID is stored in the memory 181 of the mobile phone 1, and information such as a credit card number is acquired by the management system 63 based on the card ID. Information such as the expiration date or the user's name may be directly stored in the memory 181 so that credit settlement can be performed.
[0240]
The series of processes described above can be executed by hardware, but can also be executed by software.
[0241]
When a series of processing is executed by software, a program constituting the software may execute various functions by installing a computer incorporated in dedicated hardware or various programs. For example, it is installed from a network or a recording medium into a general-purpose personal computer or the like.
[0242]
As shown in FIG. 10, the recording medium is distributed to provide a program to the user separately from the apparatus main body, and a magnetic disk 271 (including a flexible disk) on which the program is recorded, an optical disk 272 ( Package media comprising CD-ROM (compact disk-read only memory), DVD (digital versatile disk), magneto-optical disk 273 (including MD (registered trademark) (mini-disk)), or semiconductor memory 274 And a ROM 262 in which a program is recorded and a hard disk included in the storage unit 268 provided to the user in a state of being incorporated in the apparatus main body in advance.
[0243]
In the present specification, the step of describing the program recorded in the recording medium is not limited to the processing performed in time series according to the described order, but is not necessarily performed in time series, either in parallel or individually. The process to be executed is also included.
[0244]
【The invention's effect】
According to the present invention, a user can apply for purchase of a product easily and quickly.
[0245]
Moreover, according to this invention, the user can pay the price of the purchased goods safely and easily.
[Brief description of the drawings]
FIG. 1 is a diagram illustrating an example of an operation when ordering a product.
FIG. 2 is a diagram illustrating an example of an advertising medium.
FIG. 3 is a diagram illustrating an operation of registering a card ID in a mobile phone.
FIG. 4 is a diagram illustrating a configuration example of a sales system to which the present invention is applied.
5 is a diagram illustrating a detailed configuration example of a settlement management company and a member store in FIG. 4;
6 is a block diagram illustrating a functional configuration example of the management system of FIG. 5;
FIG. 7 is a block diagram illustrating a configuration example of a mobile phone.
FIG. 8 is a block diagram illustrating a functional configuration example of a mobile phone.
FIG. 9 is a diagram illustrating an example of a region formed in a memory.
FIG. 10 is a block diagram illustrating a configuration example of a personal computer.
FIG. 11 is a flowchart illustrating processing for registering a card ID in a mobile phone.
FIG. 12 is a diagram illustrating an example of a state transition of a memory.
FIG. 13 is a diagram illustrating an example of information registered in a member master.
FIG. 14 is a flowchart illustrating another process for registering a card ID in a mobile phone.
FIG. 15 is a flowchart illustrating processing for registering product information.
FIG. 16 is a diagram illustrating an example of a product registration screen.
FIG. 17 is a diagram illustrating an example of information registered in a product master.
FIG. 18 is a flowchart illustrating merchandise order processing.
FIG. 19 is a diagram showing an example of an order site screen;
FIG. 20 is a flowchart illustrating a series of processes until a product is delivered.
FIG. 21 is a diagram showing a display example of an order confirmation mail.
FIG. 22 is a diagram showing a contract relationship and an example of money collection in the sales system to which the present invention is applied.
FIG. 23 is a diagram illustrating another example of the advertising medium.
[Explanation of symbols]
1 mobile phone, 12 cameras, 21 to 23 2D barcode, 61 card management system, 62 product master, 63 management system, 64 member master, 141 product information registration unit, 142 2D barcode generation unit, 143 order site management Unit, 144 order receiving unit, 145 ordering unit, 191 image analysis unit, 192 communication control unit, 193 photographing control unit, 194 display control unit, 195 chip control unit

Claims (13)

Encrypted communication means for performing predetermined encrypted communication;
A payment management device comprising: a secure server comprising a SAM module capable of reading and writing to a secure memory only after the predetermined encrypted communication is established;
Storage means as the secure memory for storing identification information only after encrypted communication with the secure server;
An acquisition means for acquiring a different address for each product on the site for purchasing the product ;
Display means for accessing the site by input as a first operation based on the address acquired by the acquisition means, and displaying a screen for purchasing a product;
When a product purchase procedure is input as a second operation on the screen displayed by the display means, the identification information stored by the storage means is sent to the payment management device via the secure server. A payment management apparatus for use in a payment system comprising: a portable information terminal comprising:
A member master that associates and stores the identification information and delivery destination information;
Secure memory control for reading out the identification information assigned to the user in a predetermined credit service subscribed by the user of the portable information terminal from the secure memory of the portable information terminal via the secure server Means,
When purchase application data including the product name , price, and quantity specified based on the address is transmitted from the portable information terminal, the secure memory of the portable information terminal is passed through the secure server. The identification information is read, and the identification information that has been read and the price information of the product specified from the price and quantity of the predetermined product included in the purchase application data are transmitted to the credit service company device, and to the member master A payment management apparatus comprising: management means for transmitting the delivery destination information stored in association with the identification information read from the secure memory of the portable information terminal to a predetermined member store apparatus. The settlement management device according to claim 1, further comprising product information storage means for storing information relating to the product. The settlement management device according to claim 2, wherein information related to the product is registered in the product information storage unit by the predetermined member store device. The settlement management device according to claim 3, further comprising issuing means for creating the site and issuing an address of the site when information relating to a product is registered by the predetermined member store device. The settlement management device according to claim 4, wherein the address is included in a predetermined graphic image that can be captured and analyzed by the portable information terminal. The settlement management apparatus according to claim 5, wherein the graphic image is printed on an advertisement medium for a product. The settlement management device according to claim 4, wherein the address is stored in an IC chip provided on an advertisement medium of a product that can be read by the mobile information terminal through wireless communication. Encrypted communication means for performing predetermined encrypted communication;
A payment management device comprising: a secure server comprising a SAM module capable of reading and writing to a secure memory only after the predetermined encrypted communication is established;
Storage means as the secure memory for storing identification information only after encrypted communication with the secure server;
An acquisition means for acquiring a different address for each product on the site for purchasing the product ;
Display means for accessing the site by input as a first operation based on the address acquired by the acquisition means, and displaying a screen for purchasing a product;
When a product purchase procedure is input as a second operation on the screen displayed by the display means, the identification information stored by the storage means is sent to the payment management device via the secure server. A program for causing a computer to execute the processing of the payment management device used in a payment system comprising: a portable information terminal comprising:
When purchase application data including the product name , price, and quantity specified based on the address is transmitted from the portable information terminal, the secure memory of the portable information terminal is passed through the secure server. , Reading the identification information assigned to the user in a predetermined credit service to which the user of the portable information terminal subscribes, the read identification information, and the price of a predetermined product included in the purchase application data, The identification information read from the secure memory of the portable information terminal is transmitted to the member master that stores the identification information and the delivery destination information in association with each other while transmitting the price information of the product specified from the number to the device of the credit service company The delivery destination information stored in association with the device is transmitted to a predetermined member store device. A program that causes a computer to execute processing including steps. Encrypted communication means for performing predetermined encrypted communication;
A payment management device comprising: a secure server comprising a SAM module capable of reading and writing to a secure memory only after the predetermined encrypted communication is established;
Storage means as the secure memory for storing identification information only after encrypted communication with the secure server;
An acquisition means for acquiring a different address for each product on the site for purchasing the product ;
In a payment system comprising: a portable information terminal comprising: display means for displaying a screen for accessing a site for performing a purchase procedure for a product by accessing the site by an input as a first operation based on the address obtained by the obtaining means The portable information terminal used,
When a purchase procedure for a product is input as a second operation on the screen displayed by the display means, purchase application data including a product name , a price, and a number specified based on the address is sent to the settlement management device. To the user in a predetermined credit service subscribed by the user of the portable information terminal, which is stored in the storage means in response to the control by the payment management device performed via the secure server. Transmission means for transmitting the assigned identification information to the payment management device via the secure server,
In the payment management device, the price information of the product specified from the price and quantity of the predetermined product included in the purchase application data is transmitted to the credit service company device, and the identification information and the delivery destination information are associated with each other. A portable information terminal that transmits the delivery destination information stored in association with the identification information transmitted by the transmission means to a member master to be stored, to a predetermined member store apparatus. It further includes a photographing means,
The portable information terminal according to claim 9, wherein the acquisition unit acquires the address based on a predetermined graphic image captured by the imaging unit. Readout means for reading out the identification information stored in the credit card issued to the user by wireless communication,
The portable information terminal according to claim 9, wherein the storage unit stores the identification information read by the reading unit based on an instruction from the settlement apparatus. The portable information terminal according to claim 11, wherein the acquisition unit acquires the address by wireless communication from an IC chip disposed on an advertisement medium for a product. Encrypted communication means for performing predetermined encrypted communication;
A payment management device comprising: a secure server comprising a SAM module capable of reading and writing to a secure memory only after the predetermined encrypted communication is established;
Storage means as the secure memory for storing identification information only after encrypted communication with the secure server;
An acquisition means for acquiring a different address for each product on the site for purchasing the product ;
A payment system comprising: the portable information terminal comprising: display means for displaying a screen for accessing the site by input as a first operation based on the address obtained by the obtaining means and performing a purchase procedure for the product A program for causing a computer to execute processing of the portable information terminal used in
When a purchase procedure for a product is input as a second operation on the screen displayed by the display means, purchase application data including a product name , a price, and a number specified based on the address is sent to the settlement management device. To the user in a predetermined credit service subscribed by the user of the portable information terminal, which is stored in the storage means in response to the control by the payment management device performed via the secure server. Transmitting the assigned identification information to the payment management device via the secure server,
In the payment management device, the price information of the product specified from the price and quantity of the predetermined product included in the purchase application data is transmitted to the credit service company device, and the identification information and the delivery destination information are associated with each other. A program for causing a computer to execute a process in which the delivery destination information stored in association with the identification information transmitted in the process of the step is transmitted to a member master to be stored.

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