JP5265153B2 - Payment system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To enable a user to instantaneously purchase a value item such as a game medium by a settlement method other than cash without moving from a game machine. <P>SOLUTION: This settlement system is provided with a value item providing device arranged in the neighborhood of a game machine, and provided with a payment terminal; an in-store server communicatively connected to the value item providing device; a card reader part for reading and outputting user account specification information from a storage medium in which user account specification information is stored; and an input part for making a user input information necessary for settlement processing. The value item providing device transmits a processing request message to the in-store server based on user account specification information, and the in-store server transmits a settlement request message for requesting the transfer of a purchase sum from the account of a user according to a processing request message, and makes the variable price providing device execute the provision of the value item according to a response message to this. <P>COPYRIGHT: (C)2009,JPO&amp;INPIT

Description

  The present invention relates to a payment system, and more specifically, payment that enables purchase of game media by a payment method other than cash, such as a debit card or so-called electronic money, without moving from the front of a gaming machine in a game hall, for example. About the system.

  With the diversification of payment methods such as credit cards, debit cards, and electronic money in recent years, even in game venues that provide games such as pachinko machines and slot machines, it is possible to enjoy games using payment methods other than cash payment. It is said that there is an increasing demand for users.

  When a user plays a game at a game hall, the user usually purchases a game medium such as a lent ball, a rented medal, or a prepaid card with cash, and plays the game. As means for purchasing these game media, methods other than cash and the use of debit cards are also being considered. In order to use the debit card at the game hall at present, the user operates a debit card-compatible house card ticketing machine installed at the counter or reception, and the ticketing machine reads the user's debit card. The user identification information is obtained from the debit card, and the user is requested to input a personal identification number using the numeric keypad, and the purchase amount is paid together with the user identification information and personal identification number through a debit payment center with which a contract is made in advance. Process. Thereafter, the user performs a deposit process on the prepaid card or the house card having the same amount as the purchase amount, and passes it to the user. The purchase price is totaled over a predetermined period at a debit settlement center with which a pre-contract has been made, and after deducting a predetermined fee, the purchase price is transferred to the account at the amusement store, and is paid to the store side.

  However, in general, a user purchases a game medium not only when starting a game but also when he / she wants to continue the game for a while. In such a case, once the game is interrupted, the player moves away from the game stand to the counter in the store, the reception desk or the prepaid card, or the house card issuing machine, and takes time such as reading the debit card. There is a risk of missing a chance to acquire a large amount of game media such as bonus chances or special games.

  An object of the present invention is to make it possible to immediately purchase a valuable value such as a game medium by a payment method other than cash without a user moving from the front of the gaming machine.

As means for solving the above problems, the present invention has the following features.
The first aspect of the present invention is proposed as a payment system.
This payment system is a payment system that is disposed in the vicinity of a gaming machine and has a valuable value providing device having a payment terminal, and an in-store server that is communicably connected to the valuable value providing device. A card reader unit that reads user account identification information from a debit card that stores user account identification information, which is information that can identify a user account that is a former account, and outputs the read user account identification information; The valuable value providing apparatus transmits a process request message to the in-store server based on the user account specifying information from the payment terminal, and the in-store server In response to the processing request message, request that the purchase amount be transferred from the user account specified by the user account specifying information. A payment request message containing the account number of the bank account to which the bank account is to be transferred and the password associated with it are sent, and in accordance with the response message to the payment request message, the payment is made. An instruction message is transmitted to the valuable value providing apparatus, and the valuable value providing apparatus executes provision of the valuable value in response to the payout instruction message.

  According to this payment system, a user (corresponding to a player, purchaser, etc.) immediately purchases a valuable value such as a game medium by a payment method other than cash without the user moving from the front of the gaming machine. Can be done.

The second aspect of the present invention is proposed as a payment system.
The payment system includes a negotiable value providing apparatus capable of reading storage medium of a mobile communication terminal having a storage medium readable by near field communication, and in the store are communicatively connected with the negotiable value providing device server The value providing apparatus reads a user account number and user identification information from a storage medium of a mobile communication terminal, and sends a processing request message based on the user account number and user identification information. generated, and sends the processing request message to the in-store server, the server can store, according to the processing request message, Ri Oh in a message to request the settlement of the purchase price from the user's account, in order to identify the bank account transmits a settlement request message containing the code number becomes a is the bank account of the account number and its paired information, the settlement principal Depending on the response message to the message, send an indication message out payment in negotiable value providing apparatus, negotiable value providing apparatus is characterized in that performing the providing of the negotiable value to the user in response to the payout indication message.

  According to this payment system, it is possible to immediately purchase a valuable value such as a game medium by a payment method other than cash without a user moving from the front of the gaming machine, and a security code for each purchase. Since it is not necessary to enter the password, immediate purchase is possible without bothering the user, and since the mobile communication terminal owned by the user is used, the security code may be seen or stolen. Can be lost.

  Further, the payment system receives the user account specifying information including the user's account number from the mobile communication terminal, stores the user account specifying information in association with the user identification information specifying the user, and stores the user account specifying information from the in-store server. When the user identification information is received, it may further include a user management server that transmits user account specifying information corresponding to the user identification information to the in-store server.

  According to such a settlement system, it is possible to collectively manage the purchase of valuable value in a plurality of stores by the user management server, and the user can use this settlement system in a plurality of different stores. Become.

A third aspect of the present invention is proposed as a payment system.
This payment system is a storage medium that can store user account specifying information that is information that can specify a user's account that is a transfer source account, and includes a storage medium that can be read by short-range communication. A payment system comprising a valuable value providing device capable of reading a storage medium of a body communication terminal and an in-store server communicably connected to the valuable value providing device, wherein the valuable value providing device is a mobile communication terminal The user account specifying information is read from the storage medium, a processing request message including the user account specifying information is generated, and the processing request message is transmitted to the in-store server. Settlement request, which is a message requesting to transfer the amount corresponding to the purchase amount from the user's account corresponding to the account identification information to the transfer destination account In response to the response message to the settlement request message, the payout instruction message is sent to the valuable value providing apparatus, and the valuable value providing apparatus provides the valuable value in response to the payout instruction message. It is characterized by executing.

  According to this payment system, according to this payment system, it is possible to immediately purchase a valuable value such as a game medium by a payment method other than cash without a user moving from the front of the gaming machine, and Since it is not necessary to enter the account number each time a purchase is made, it is possible to make an immediate purchase without bothering the user, and since the user's personal mobile communication terminal is used, the account number There is no fear of stealing or stealing.

  The payment system has a database that stores user account identification information and user identification information that uniquely identifies the user in association with each other, and the user account information read from the mobile communication terminal corresponds to the user identification information. It may further include a user management server that determines whether or not to use the database and transmits the determination result to the in-store server.

  According to such a settlement system, it is possible to collectively manage the purchase of valuable value in a plurality of stores by the user management server, and the user can use this settlement system in a plurality of different stores. Become.

  Moreover, the payment system of the said 1st-3rd aspect counts and memorize | stores the purchase amount received from the server in a store for every transfer destination account, and each transfer pays the amount which deducted a fixed commission from the accumulated purchase amount. You may make it further have a payment server which transmits the message which requests | requires transferring to a previous account to a financial institution account system.

  According to such a settlement system, it is possible to reduce the number of times of transfer processing, and it is possible to provide a settlement system that can further reduce costs.

  According to the present invention, the user can immediately purchase a valuable value such as a game medium by a payment method other than cash without the user moving from the front of the gaming machine.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[1. First embodiment]
The first embodiment of the present invention is proposed as a payment system. This payment system is a system that realizes a payment using a debit card without leaving the game machine that is being played when a user purchases a game medium.

FIG. 1 is a block diagram illustrating a configuration example of a payment system.
The settlement system 1 includes a valuable value providing device 10, a payment terminal 20 provided in the valuable value providing device 10, an in-store server 30 communicatively connected to the valuable value providing device 10, and an in-store server 30. A payment server 50 that can be connected via the network 40;

  The valuable value providing apparatus 10 is for performing the purchase of valuable value using the present settlement system, and provides the user with a valuable value corresponding to the purchase amount in accordance with an operation of purchasing valuable value from the user. It is. The payment terminal 20 is a device for accepting a valuable value purchase operation from the user, and also provides necessary information related to the valuable value purchase operation (confirmation of operation details, notification of processing results of the payment system, etc.) to the user. It is a device for displaying on. The in-store server 30 receives the input content information from the payment terminal 20, generates a payment request message for the payment server 50 based on the information, transmits the message, and sends a valuable message in response to the response message from the payment server 50. This is a device that transmits a payout instruction message instructing provision of value to the valuable value providing device 10.

  The settlement server 50 responds to a settlement request message from the in-store server 30, and the transfer destination account (for example, management of the game hall) in which the in-store server 30 designates the amount (purchase price, fee, etc.) designated from the user's account. A bank account of a user or an account of a cash storage agent), for example, an information processing center that performs a debit card service, or a CAFIS (Credit And Finance Information System Card Payment Information Center). Although not shown, the settlement server 50 is a financial institution account system that processes deposits and withdrawals of the user's account as the transfer source account, the store manager as the transfer destination account, and the account of the store operator. It is connected.

  The settlement server 50 sequentially wins the purchase amount, which is the designated amount, directly from the account of the user, which is the transfer source account, to the transfer destination account, such as the account of the game hall manager, the account of the game hall operator, etc. It may operate to request the financial institution account system to make a transfer. In addition, the amount specified from the user's account is set to a different account (for example, the management company of the payment system 1) from the account of the game hall manager, which is the final transfer destination account, and the account of the game hall operator. (Accounts, etc.) are transferred, and the amount to be transferred to each amusement park manager's account and the amusement park operator's account is totaled every certain period, and a certain fee is deducted from the total amount on a predetermined date It may operate so as to request the financial institution account system to make a transfer to the account of the respective game hall manager and the account of the game hall operator, which are the final bank account for transfer later.

FIG. 2 is a diagram illustrating a configuration example of the valuable value providing apparatus 10 and the payment terminal 20 according to the first embodiment.
A user 100 (hereinafter also referred to as a user) sits in the vicinity of a gaming machine (not shown) such as a pachinko machine or a slot machine and plays a game. Next to the gaming machine, a valuable value providing device 10 called a sand machine is installed. The valuable value providing device 10 uses the payment terminal 20 or an operation unit (numerical key, touch panel, etc.) of the valuable value providing device 10 (not shown) for the user to purchase game media (lending balls, rental medals, prepaid cards, etc.). When an effective payment is made, a game medium having a valuable value corresponding to the purchase amount is output.

[1.1. Value-added equipment]
The valuable value providing device 10 is a device that provides a user with some valuable value (a tangible or intangible item that can be purchased by payment of money) as consideration for the electronic payment made by the user. The valuable value providing device 10 is, for example, a ball lending machine called a sand machine in a game arcade, a medal lending device, a prepaid card issuing device, or the like.

FIG. 3 is a functional block diagram illustrating a configuration example of the valuable value providing apparatus 10. Hereinafter, the configuration of the valuable value providing apparatus 10 will be described with reference to FIG.
The valuable value providing apparatus 10 includes a communication processing unit 201, a provision control unit 202, a valuable value supply unit 203, and a payment terminal 204.

  The communication processing unit 201 has a function of executing communication with the in-store server 30 and is, for example, a network board or a network card equipped with a protocol stack. The communication processing unit 201 performs communication for concealing the content of data input from the payment terminal 204, for example, encrypted communication using an encryption technique such as SSL. Thus, the content input from the payment terminal 204 is configured not to be stolen or altered by a third party. However, when the communication means between the communication processing unit 201 and the in-store server 30 is a communication means that is not likely to be seen or altered by a third party, for example, a dedicated line, encrypted communication is performed. Although it is not necessary to do so, it is desirable to encrypt.

  The provision control unit 202 commands and controls the operations of the communication processing unit 201 and the valuable value supply unit 203, and receives the output signal of the payment terminal 204, generates a processing request message, and transmits it to the in-store server 30. Have In addition, when receiving the payout instruction message from the in-store server 30, the providing control unit 202 sends a drive signal to the valuable value supply unit 203 described later, and causes the user 100 to supply the valuable value according to the purchase price. It has a function. The provision control unit 202 is, for example, a microcomputer equipped with a program for realizing the valuable value providing apparatus 10.

  The valuable value supply unit 203 has a function of providing the valuable value to the user 100 in accordance with an instruction from the provision control unit 202. The valuable value supply unit 203 is, for example, a lending output unit of a ball lending machine, a medal hopper of a medal lending machine, a card issuing unit in a prepaid card issuing machine, or the like.

  The “valuable value” here may be anything as long as it can be purchased by money, such as a lending ball, a lending medal, a prepaid card, an on-value card (house card) or an equivalent thereof. . The valuable value providing apparatus 10 does not necessarily have the valuable value supply unit 203, and the provision control unit 202 controls the medal hopper and the prize ball supply mechanism of an adjacent gaming machine (not shown). Thus, the present invention is also established as a configuration in which game balls and medals are supplied to the user 100.

  The payment terminal 204 is a device for performing a purchase procedure of a valuable value using a settlement means such as a debit card while the user 100 is seated in front of the valuable value providing device 10, that is, in the vicinity of the gaming machine. For example, the device is installed in the vicinity of the valuable value providing device 10 in a state where the user 100 can operate.

  FIG. 4 is a functional block diagram illustrating a configuration example of the payment terminal 204. Hereinafter, a configuration example of the payment terminal 204 will be described with reference to FIG. The payment terminal 204 includes a control unit 401, a card reader unit 402, a numeric keypad unit 403, and a display panel unit 404 connected to the control unit 401. The control unit 401 is connected so that a payment command command or the like can be transmitted to the provision control unit 202.

  The control unit 401 has a function of receiving output signals from the card reader unit 402 and the numeric keypad unit 403, generating a processing request message, and transmitting the processing request message to the in-store server 30 via the communication processing unit 201. In addition, the control unit 401 has a function of outputting the input result from the numeric keypad unit 403 and / or the notification content from the in-store server 30 to the display panel unit 404 for display. The control unit 401 is, for example, a microcomputer including a CPU, a ROM, and a RAM.

  The card reader unit 402 is a device that reads information from a storage medium (for example, a magnetic card, an IC card, etc.) held by the user 100 and outputs the read information. For example, the card reader unit 402 is a magnetic card reader, a contact IC card reader, or the like. is there. The information read by the card reader unit 402 is, for example, user identification information (for example, a user ID that uniquely identifies the user 100), a user account number, or the like.

  The numeric keypad unit 403 is a device for the user 100 to input information necessary for the settlement processing using the storage medium such as a personal identification number. For example, the numeric keypad 403 is a key corresponding to each number from 1 to 0 and an enter A numeric keypad device having keys and the like.

  The display panel unit 404 causes the user 100 to confirm the input content by displaying the input content of the user 100, and displays the processing content from the settlement server 50 via the in-store server 30 to the user 100. It has a function that makes it possible to confirm whether or not it has been made. The display panel unit 404 is, for example, a liquid crystal display device or a 7 segment LED display.

[1.2. In-store server]
Next, the in-store server 30 will be described. The in-store server 30 receives input content information (for example, a card reader unit 402) from the payment terminal 20 in response to processing request messages from a plurality of valuable value providing devices 10 arranged in a store such as a game arcade or a game center. The user ID read by the user, the password of the user 100 input from the numeric keypad 403, and the like are generated, and a payment request message is generated and transmitted to the payment server 50 based on the received user ID. For example, a message instructing the valuable value providing apparatus 10 to provide valuable value in response to a message informing that payment has been completed or a message informing that payment has failed due to a shortage of balance, etc. Or it is an apparatus which transmits the message to the effect that it cannot provide to the valuable value provision apparatus 10. FIG.

  The in-store server 30 includes an arithmetic processing unit (CPU), a main memory (RAM), a read only memory (ROM), an input / output device (I / O), and an external storage device such as a hard disk device if necessary. An information processing apparatus such as a computer or a workstation. A program for causing the information processing apparatus to function as the in-store server 30 or a program for causing a computer to execute a settlement method is stored in the ROM or the hard disk device. By executing this, the in-store server 30 is realized, or the electronic settlement method is executed. Also, the program need not necessarily be stored in a storage device in the information processing device, but provided from an external device (for example, an ASP (application service provider server, etc.)) and placed in the main memory. It may be. Further, the in-store server 30 may be configured as a single device, or may be configured by combining a plurality of devices via a network. The in-store server 30 may have a center configuration in which all functions are concentrated in one place, or may have a distributed server configuration in which each function is divided and distributed.

  FIG. 5 is a functional block diagram illustrating a configuration example of the in-store server 30. The in-store server 30 includes a providing device side communication processing unit 501, a settlement processing request unit 502, a network side communication processing unit 503, and a settlement result processing unit 504.

  The providing device side communication processing unit 501 has a function of transmitting and receiving data to and from the communication processing unit 201 of the valuable value providing device 10, and is, for example, a network board or a network card equipped with a protocol stack.

  The settlement processing request unit 502 includes user input information (information read by the card reader unit 402 (for example, user ID) received from the payment terminal 204 via the communication processing unit 201 and the providing device side communication processing unit 501, a numeric keypad unit). The information output from 403 (for example, a personal identification number) and the information added by the control unit 401 (for example, information for specifying the valuable value providing device 10, valuable value providing device ID) are received, and settlement is performed based on the information. A request message is generated, and the network side communication processing unit 503 transmits the payment request message to the payment server 50.

  The network side communication processing unit 503 transmits data as a packet addressed to a destination address according to a predetermined protocol, receives a packet transmitted to the in-store server 30 via the network 40, and transmits based on the packet. A function to retrieve the recorded data. The network side communication processing unit 503 is, for example, a network board or a network card that executes a protocol stack such as TCP / IP.

  When communication between the in-store server 30 and the valuable value providing device 10 and communication between the in-store server 30 and the settlement server 50 are performed using the same protocol, the providing device side communication processing unit 501 and The network side communication processing unit 503 does not need to be provided separately, and either the valuable value providing apparatus 10 and the settlement server 50 may be allowed to communicate with each other.

  The settlement result processing unit 504 has a function of processing a response message from the settlement server 50 in response to the payment request message generated by the settlement processing request unit 502. Specifically, when the response message from the settlement server 50 indicates that the payment has been completed, the settlement result processing unit 504 provides the valuable value equivalent to the purchase amount to the valuable value providing apparatus 10. A payout instruction message for instructing to generate is generated and transmitted to the valuable value providing apparatus 10. If the response message from the settlement server 50 indicates that payment could not be made, the settlement result processing unit 504 generates a message notifying the valuable value providing device 10 that purchase is not possible, This is transmitted to the valuable value providing apparatus 10.

[1.3. Payment server]
When the settlement server 50 receives the settlement request message from the in-store server 30, the settlement server 50 receives the purchase amount stored in the settlement request message, the user account that becomes the transfer source account, the store operator account that becomes the transfer destination account, and user authentication. Based on the password to be performed, the account system (not shown) of the financial institution is requested to transfer the purchase amount from the user account to the store manager account, and the in-store server 30 is based on the processing result notification from the account system. A response message is transmitted. If the in-store server 30 can directly communicate with the account system of each financial institution, it is not necessary to provide the settlement server 50, and the in-store server 30 and the account system of each financial institution can directly communicate with each other. The present invention is established.

  The payment request message does not store information indicating a user account that is a transfer source account, or information indicating a store operator account that is a transfer destination account, but a user ID that is information for specifying a user, a transfer destination The present invention is also established as a method of storing a transfer destination ID that is information for specifying an account. In this case, the payment server 50 has a database that stores the user ID and the user account, the transfer destination ID and the store operator account in advance, and the payment server 50 refers to this database to store the user account, It is good also as a structure which acquires the information of a store operator account.

  Further, the payment system 1 may be configured to further include a user management server (not shown), which is a database server having such a database, instead of providing the payment server 50 with the above database.

[1.4. network]
The network 40 enables transmission / reception of information between devices connected to the target device regardless of whether it is wired / wireless, a dedicated line / switched line, or the like. Acts as follows. The network 40 may be realized by combining a plurality of networks via a gateway, such as the Internet. In addition, even if the connection is not directly connected to the so-called backbone, which is called a backbone, even if it is temporarily connected by a PPP connection or the like, information can be transmitted and received during the establishment of a session. I do not mind. The “network” includes a communication network that does not use route switching means such as an exchange, a switch, and a router, in which a dedicated line is fixed.

[2. Example of operation]
Next, the operation of the payment system 1 will be described with reference to FIG. FIG. 6 is a sequence diagram illustrating an operation example of the payment system 1.

  First, it is assumed that a user 100 who wishes to make a payment using a storage medium such as a debit card is in front of the valuable value providing apparatus 10. The user 100 first causes the card reader unit 402 of the payment terminal 204 to read a debit card that is a storage medium (S10). The card reader unit 402 transmits user account specifying information such as information such as a bank code, a branch code, and an account number of the gaming user's bank account, which is the read information, to the control unit 401. The control unit 401 causes the display panel unit 404 to display a message “please enter the password”, and the display panel unit 404 displays the message to prompt the user 100 to input the password. The user 100 inputs a personal identification number registered in advance in the settlement server 50 or the like using the numeric keypad unit 403 (S20). The numeric keypad unit 403 outputs the input password to the control unit 401. The control unit 401 holds this password.

  Next, the control unit 401 displays a message “please enter the purchase amount” on the display panel unit 404, and the display panel unit 404 displays such a message and prompts the user 100 to input the purchase amount. Prompt. The user 100 inputs a desired purchase price using the numeric keypad 403 (S30). The numeric keypad unit 403 outputs data corresponding to the input purchase price to the control unit 401. The control unit 401 holds data corresponding to the purchase amount.

  Next, the control unit 401 generates a processing request message including user account specifying information, a personal identification number, data corresponding to the purchase amount, and a device ID for specifying the valuable value providing device 10 (S40), and stores this in the store. It transmits to the server 30 (S50).

  The in-store server 30 that has received the processing request message stores the store ID, which is information for specifying the bank account that is stored in advance, the password that is paired with the store ID, and the user account specifying information received from the payment terminal 20; A payment request message, which is a message including the personal identification number and the purchase price, is generated (S60), and is transmitted to the payment server 50 via the network 40 (S70).

  Upon receiving the payment request message, the payment server 50 receives the transfer source account (financial institution, branch, account type, account number) and transfer destination account (financial institution, branch, account type, account number) from the user account specifying information and the store ID, respectively. ) Is determined with reference to the database, and it is checked whether or not the user's personal identification number and the store-side personal identification number match the record stored in advance, and the user authentication is performed (S80).

  If the user authentication is successful, the payment server 50 executes a process for transferring the purchase amount included in the payment request message from the transfer source account to the transfer destination account (S90). Specifically, request the process of settlement of the purchase amount, specifically transfer the purchase amount from the transfer source account to the transfer destination account to the account system of the financial institution that handles the transfer source account Send a message.

  The settlement server 50 receives notification of the settlement processing result from the accounting system of the financial institution. Based on the settlement processing result, the settlement server 50 generates and transmits a response message for notifying the in-store server 30 of the settlement (transfer) result (S100). There are two types of response messages, one is a message notifying that payment has been made, and the other is a message notifying that payment has not been made.

  When the response message notifying that the payment has been made is received, the in-store server 30, more specifically, the payment result processing unit 504, purchases the valuable value providing apparatus 10 that has transmitted the payment request message corresponding to the response message. A payout instruction message, which is a message instructing to provide a valuable value corresponding to the amount of money, is generated (S110), and is transmitted to the valuable value providing apparatus 10 (S120). Upon receipt of the payout instruction message, the valuable value providing apparatus 10, more specifically, the control unit 401 of the payment terminal 204, displays a message indicating that payment for purchase has been made on the display panel unit 404, for example, “Payment has been completed. “Thank you for your purchase.” Is displayed, and a command is sent to the provision control unit 202 to provide a valuable value corresponding to the purchase price. In response to this command, the provision control unit 202 drives the valuable value supply unit 203 to provide a valuable value corresponding to the purchase amount (S130), for example, to discharge a rental ball and a rental medal corresponding to the purchase amount. .

[3. Second Embodiment]
Next, a second embodiment of the present invention will be described. As in the first embodiment, the second form of the present invention uses the mobile communication terminal without leaving the gaming machine that is being played when the user 100 purchases the game medium. It is proposed as a system that enables settlement.

  The difference from the first embodiment is that, in the first embodiment, the user 100 uses the payment terminal 204 to input for payment, whereas the second embodiment is different from the user 100 in the second embodiment. Is that a mobile communication terminal such as a mobile phone equipped with a non-contact IC card is used for input for settlement of valuable value purchases.

FIG. 7 is a block diagram illustrating a configuration example of the payment system 2 according to the second embodiment.
The payment system 2 includes a mobile communication terminal 70 provided with a storage medium that can be read by near field communication such as a non-contact IC card, a valuable value providing device 10X that can read the storage medium of the mobile communication terminal 70, The in-store server 30X is communicably connected to the valuable value providing apparatus 10X, and the settlement server 50 is connectable to the in-store server 30X via the network 40. The mobile communication terminal 70 can communicate with the in-store server 30X via the base station 72, the mobile communication network 74, and the network 40, and the account information (bank number, branch number, account number, password) of the user 100. Is registered in the in-store server 30X. Note that the same components as those in the settlement system 1 according to the first embodiment are denoted by the same reference numerals, and detailed description thereof will be omitted.

  The mobile communication terminal 70 is a device that can communicate with the in-store server 30X and can communicate with the valuable value providing device 10X using a short-range communication means, for example, a mobile phone equipped with a non-contact IC card function. It is a telephone.

  FIG. 8 is a functional block diagram showing configuration examples of the mobile communication terminal 70 and the valuable value providing apparatus 10X.

  The mobile communication terminal 70 includes a storage medium unit 701, a user information processing unit 702 connected to the storage medium unit 701, a wireless communication unit 703 connected to the user information processing unit 702, an input unit 704, and an output unit 705. have.

  The storage medium unit 701 is a device that can transmit and receive data and commands by short-range wireless communication with the reading unit 205 of the valuable value providing device 10X, and is a device that includes, for example, a non-contact IC card LSI and an antenna. is there.

  The user information processing unit 702 communicates with the in-store server 30 and causes the in-store server 30 to register the user account information of the user 100 who is the owner or the user of the mobile communication terminal device 70 in the in-store server 30. In addition, the storage medium unit 701 has a function of storing user identification information that is information for uniquely identifying the user 100. The user information processing unit 702 is, for example, a microcomputer chip including a CPU, a RAM, and a ROM.

  The wireless communication unit 203 has a function of connecting the mobile communication terminal 70 to the mobile communication network 74 and executing communication via the mobile communication network 74. For example, the wireless communication unit 203 is a wireless communication circuit having a modulation circuit and a demodulation circuit. is there. The mobile communication network 74 may be a general mobile phone communication network or a WIMAX or wireless LAN communication network.

The input unit 704 has a function of transferring user instructions and inputs to the user information processing unit 702 in the form of electrical signals, and is, for example, various keys of a mobile phone, a touch pen and a touch panel, or a pointing device.
The output unit 705 has an information output function for the mobile communication terminal 70 to transmit information to the user 100, and is, for example, a liquid crystal display unit of a mobile phone.

  The user identification information may be an identification number automatically assigned by the in-store server 30, or identification information that the mobile communication terminal 70 has, for example, Felica ID (“FeliCa” is a registered trademark of Sony Corporation), individual It may be an identification number (including FOMA card identification information (“FOMA” is a registered trademark of NTT DoCoMo, Inc.)).

  Next, the valuable value providing apparatus 10X will be described. The valuable value providing apparatus 10 </ b> X has substantially the same configuration as the valuable value providing apparatus 10 in the first embodiment, but differs in that it includes a reading unit 205 instead of the payment terminal 20. For the other components, the same components are denoted by the same reference numerals, and detailed description thereof is omitted.

  The reading unit 205 has a function of communicating with the storage medium unit 701 of the mobile communication terminal 70 by short-range wireless communication and acquiring user identification information stored in the storage medium unit 701. The reading unit 205 is, for example, a reader / writer device that reads a non-contact IC card.

  Upon receiving the user identification information read by the reading unit 205, the provision control unit 202 generates a payment request message including the user identification information and transmits it to the in-store server 30.

[3.1. Example of operation]
Next, an operation example of the payment system 2 according to the second embodiment will be described. FIG. 9 is a sequence diagram showing an operation example when the user 100 performs user registration with the in-store server 30 by the mobile communication terminal 70 before the user 100 purchases the valuable value using the present payment system 2.

  First, the user 100 connects from the mobile communication terminal 70 to the in-store server 30X via the base station 72, the mobile communication network 74, and the network 40, and the mobile communication terminal 70 sends a user registration request message to the in-store server 30X. (S100). The in-store server 30X transmits a user information registration interface to the mobile communication terminal 70 via the network 40, the mobile communication network 74, and the base station 72 in response to the user registration request message (S110). The user information registration interface is a WEB document (HTML document) that functions as an input screen for user information.

  The mobile communication terminal 70 that has received the user information registration interface displays an input interface on the output unit 705 and prompts the user 100 to input user information. In this example, the user information to be input is information (hereinafter referred to as account information such as a bank name, a branch name, an account number, a personal identification number set in the account, etc.) for identifying a user account from which the purchase price is deducted. This information includes user account specifying information and further has a user name, contact information, and the like.

  The user 100 inputs user information including user account specifying information by operating the input unit 704 according to the input interface (S120).

  When the input of user information is completed and the user 100 performs a predetermined operation (for example, pressing the enter button), the mobile communication terminal 70 receives the input user information from the base station 72, the mobile communication network 74, the network 40 to the in-store server 30X (S130). Upon receipt of the user information, the in-store server 30 stores the user identification information and the user information or the user identification information and the user account specifying information in association with each other (S140), and constructs a user database. The user identification information may be any information as long as it can uniquely identify the user or the mobile communication terminal 70. For example, the user identification information may be a unique alphanumeric string generated by the in-store server 30. Alternatively, it may be a telephone number assigned to the mobile communication terminal 70, a solid identification number, or an identification number (for example, Felica ID) of the storage medium unit 701.

Next, the in-store server 30 transmits the user identification information to the mobile communication terminal 70 via the network 40, the mobile communication network 74, and the base station 72 (S150). The user information processing unit 702 of the mobile communication terminal 70 stores the received user identification information in the storage medium unit 701 (S160). When the user identification information is stored in advance in the mobile communication terminal 70 (telephone number, individual identification number, etc.), the in-store server 30 does not have to transmit the user identification information itself, and the storage medium Only an instruction for storing the user identification information in the unit 701 may be transmitted.
The user registration in the second embodiment is thus completed, and thereafter, the user 100 can purchase valuable value.

FIG. 10 is a sequence diagram illustrating an operation example when the purchase of a valuable value using the payment system 2 according to the second embodiment is performed.
The user 100 brings the mobile communication terminal 70 close to the reading unit 205 of the valuable value providing apparatus 10 </ b> X so that the reading unit 205 reads the storage medium unit 701. The reading unit 205 of the valuable value providing apparatus 10X connects to the storage medium unit 701 of the mobile communication terminal 70 by short-range wireless communication, and transmits a command requesting transmission of user identification information (S210). In response to this command, the storage medium unit 701 of the mobile communication terminal 70 reads the user identification information stored in the previous S160 (S220), and transmits this user identification information to the reading unit 205 by short-range wireless communication ( S230).

  The reading unit 205 that has received the user identification information passes this user identification information to the provision control unit 202. The provision control unit 201 generates a processing request message including user identification information and a device ID that identifies the valuable value providing device 10X (S240), and transmits the message to the in-store server 30 (S250).

  The in-store server 30X that has received the processing request message stores the store ID, which is information for identifying the bank account that is stored in advance, the password that is paired with the store ID, and the user identification information received from the valuable value providing device 10X. A payment request message, which is a message including user account identification information (bank name, branch name, account number, account PIN) and purchase amount corresponding to, is generated (S260). 50 (S270).

  Thereafter, the settlement system 2 operates in the same manner as the settlement system 1 of the first embodiment. That is, the payment system 2 executes steps S280 to S330 shown in FIG. 10 in the same manner as the payment system steps S80 to S130 (see FIG. 6). As a result, the user 100 can settle the purchase price for the valuable value by holding the mobile communication terminal 70 over the reading unit 205 of the valuable value providing apparatus 10X without having to input the password again. It is possible to purchase valuable value without leaving the gaming machine.

  That is, according to the second embodiment, the user 100 can quickly purchase a valuable value without having to input a personal identification number or the like, and user information or user account specifying information (bank) with the valuable value providing apparatus. Name, branch name, account number, account PIN), so that there is no risk of important information being stolen or altered by a third party, making it possible to make secure payments Become.

[3.2. Modified example]
The second embodiment is valid even if it is modified as follows.
FIG. 11 is a block diagram illustrating a configuration example of a modification of the payment system 2 according to the second embodiment. In this modification, in response to registration of user information and an inquiry of user account specifying information accompanied by user identification information from the in-store server 30X, user account specifying information (bank name, branch name, It further has a user management server 80 that transmits (account number, account password) to the in-store server 30X.

  In the second embodiment described above, the user 100 causes the in-store server 30X to register user information from the mobile communication terminal 70, but in this modification, the user information is stored in the in-store server 30X. It is registered and stored by a user management server 80 provided separately. That is, the above-described processing of steps S100 to S160 (see FIG. 9) is modified to be performed between the mobile communication terminal 70 and the user management server 80.

Upon receipt of the user identification information from the valuable value providing device 10X, the in-store server 30X transmits the user identification information to the user management server 80, and receives user account specifying information (including account information) corresponding to the user identification information. Request. In response to this request, the user management server 80 transmits user account specifying information corresponding to the user identification information to the in-store server 30X. The in-store server 30X that has received the user account specifying information corresponding to the user identification information generates a settlement request message and transmits it to the settlement server 50 as in the second embodiment (FIG. 10, S270). reference). Thereafter, similarly to the second embodiment, the processes from step S280 to step S330 are also performed in this modification.
According to this modification, it becomes possible to perform settlement between a plurality of different stores using the same mobile communication terminal 70, and the convenience for the user is improved.

[3.3. Another variation]
The settlement system 2 according to the second embodiment can be established even if it is further modified as follows.
In the above modification, the mobile communication terminal 70 stores the user identification information in the storage medium unit 701. However, in this another modification (hereinafter referred to as the second modification), the user Instead of the identification information, user account specifying information (for example, the user's account number) is stored in the mobile communication terminal 70.

  The mobile communication terminal 70 transmits the user account specifying information stored in the storage medium unit 701 to the valuable value providing apparatus 10X when read by the valuable value providing apparatus 10X. The valuable value providing apparatus 10X generates a processing request message based on the user account specifying information and transmits it to the in-store server 30X. The in-store server 30X generates a payment request message based on the user account specifying information included in the processing request message, and transmits the payment request message to the payment server. Thereafter, similarly to the second embodiment, processing similar to that described above from step S280 to step S330 is executed among the settlement server 50, the in-store server 30X, and the valuable value providing device 10X.

  The mobile communication terminal 70 transmits user identification information when transmitting the user account specifying information to the valuable value providing apparatus 10X, and the valuable value providing apparatus 10X transmits the user account specifying information and the user identification information. You may make it transmit to the server 30X in a shop. In this case, a database in which user account specifying information and user identification information are associated and stored in advance is built in the in-store server 30X, and the in-store server 30 stores the user account specifying information and the user identification information in the database. It may be determined whether or not it matches the stored one, and the payment request message may be generated and transmitted (see steps S260 and S270 in FIG. 10) only when they match. According to such a configuration, it is possible to provide a highly secure settlement system against impersonation of a third party who illegally acquired a user's account number or the like.

  The database is not necessarily provided in the in-store server 30X, and a user management server (not shown) that is a database server that can communicate with the in-store server 30X is further provided in the payment system 2. Holds.

The block diagram which shows the structural example of the payment system concerning this invention The figure which shows the structural example of the valuable value provision apparatus and payment terminal concerning 1st Embodiment. Functional block diagram showing a configuration example of a valuable value providing device Functional block diagram showing a configuration example of a payment terminal Functional block diagram showing a configuration example of an in-store server Sequence diagram showing an example of payment system operation The block diagram which shows the structural example of the payment system concerning 2nd Embodiment. Functional block diagram showing a configuration example of a mobile communication terminal and a valuable value providing device Sequence diagram showing an operation example when user registration is performed on a server in a store using a mobile communication terminal The sequence diagram which shows an operation example when the purchase of the valuable value using the payment system 2 in 2nd Embodiment is performed. The block diagram which shows the structural example of the deformation | transformation of the payment system concerning 2nd Embodiment.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1, 2 ... Payment system 10, 10X ... Valuable value provision apparatus 20 ... Payment terminal 30, 30X ... In-store server 50 ... Payment server

Claims (6)

A valuable value providing device disposed near a gaming machine and having a payment terminal;
A payment system having an in-store server communicably connected to the valuable value providing device,
The payment terminal is:
A card reader unit that reads user account identification information from a debit card that stores user account identification information that is information that can identify a user account that is a transfer source account, and outputs the read user account identification information;
An input unit for allowing the user to input information necessary for the payment process,
The valuable value providing device transmits a processing request message to the in-store server based on the user account specifying information from the payment terminal,
The in-store server is a message for requesting transfer of the purchase amount from the user account specified by the user account specifying information in response to the processing request message, and is information for specifying a transfer destination account. A settlement request message including an account number of a certain bank account and a personal identification number paired therewith, and in response to a response message to the settlement request message, a withdrawal instruction message is transmitted to the value providing device;
The settlement system characterized in that the valuable value providing device provides valuable value in response to the payout instruction message. Settlement having a valuable value providing device capable of reading the storage medium of a mobile communication terminal provided with a storage medium readable by short-range communication, and a store server connected to the valuable value providing device so as to be communicable A system,
The valuable value providing apparatus reads a user account number and user identification information from a storage medium of the mobile communication terminal, generates a processing request message based on the user account number and user identification information, and generates a processing request message. To the in-store server,
The in-store server is a message for requesting settlement of the purchase amount from the user's account in response to the processing request message, and a pair with the account number of the transfer destination account that is information for specifying the transfer destination account. A settlement request message including a personal identification number, and in response to a response message to the settlement request message, a withdrawal instruction message is transmitted to the valuable value providing device,
The payment system, wherein the valuable value providing device provides a valuable value to a user in response to the payout instruction message.   The payment system receives user account specifying information including a user's account number from the mobile communication terminal, stores the user account specifying information in association with user identification information specifying the user, and stores the server in the store. The payment system according to claim 2, further comprising: a user management server that receives user identification information from the server and transmits user account specifying information corresponding to the user identification information to the in-store server. The valuable value providing device reads user account specifying information from the storage medium of the mobile communication terminal, generates a processing request message including the user account specifying information, and transmits the processing request message to the in-store server,
In response to the processing request message, the in-store server transmits a settlement request message that is a message requesting to transfer an amount corresponding to the purchase amount from the user's account corresponding to the user account specifying information to the transfer destination account. In response to the response message to the settlement request message, a payout instruction message is transmitted to the valuable value providing device,
The settlement system according to claim 2, wherein the valuable value providing device provides valuable value in response to the payout instruction message.   The payment system includes a database in which the user account identification information and user identification information for uniquely identifying a user are stored in association with each other, and the user account information and the user identification information read from the mobile communication terminal are 5. The settlement system according to claim 4, further comprising a user management server that determines whether or not it corresponds using the database and transmits a result of the determination to the in-store server. The settlement system totals and stores the purchase amount received from the in-store server for each transfer destination account, and requests that the amount obtained by subtracting a certain fee from the total purchase amount is transferred to each transfer destination account. payment system according to any one of claims 1 to 5, characterized by further comprising a settlement server to send a message to the financial institution accounting system for.

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