JP5266807B2 - Information processing apparatus, settlement system, settlement method and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an information processor, settlement system, settlement method and program enabling a desired settlement service to be selected without revealing personal information to a store or the like, when settling a business transaction. <P>SOLUTION: The information processor includes: a storage means for storing a plurality of pieces of settlement destination identification information showing settlement destinations a user can utilize; a settlement information input means for inputting settlement information related to the settlement of a business transaction performed between the user and the store; a settlement destination selection means for selecting a settlement destination for settling the business transaction on the basis of the plurality of pieces of settlement destination identification information included in the settlement information input by the settlement information input means and the plurality of pieces of settlement destination identification information stored in the storage means; and a settlement information transmission means for transmitting the settlement information to the settlement destination selected by the settlement destination selection means. <P>COPYRIGHT: (C)2009,JPO&amp;INPIT

Description

  The present invention relates to an information processing apparatus, a payment system, a payment method, and a program for performing payment for commercial transactions using communication.

An example of a settlement system related to the present invention is disclosed in Patent Document 1. This settlement system will be described. First, when a mobile terminal used by a purchaser receives a payment amount from a POS (Point Of Sales) device managed by a store or the like, it determines a payment means corresponding to the payment amount based on a preset setting. Then, the mobile terminal transmits the settlement information and the settlement amount for settlement by the determined determination means to the POS device. The POS device performs payment processing based on the received payment information and the like.
Japanese Patent Laid-Open No. 2004-259152

  However, in the payment system described in Patent Document 1, personal information is included in the payment information transmitted from the mobile terminal to the POS device. Examples of personal information include a credit card number, expiration date, user name, deposit account financial institution code, store name, account number, holder, and the like. That is, such personal information is managed at the store. In recent years, where personal information has been leaked, leaked, or illegally used, many people feel reluctant to inform stores of personal information.

  The present invention has been made in view of the above circumstances, and in the case of settlement of commercial transactions, an information processing apparatus, a settlement system, and the like that can select a desired settlement service without notifying personal information to a store or the like. An object is to provide a settlement method and program.

  In order to achieve such an object, an information processing apparatus according to the present invention relates to storage means for storing a plurality of payment destination identification information indicating payment destinations that can be used by a user, and settlement of commercial transactions performed between the user and a store. Select a settlement destination for settlement of commercial transactions based on settlement information input means for entering settlement information, settlement information input by the settlement information input means, and a plurality of settlement destination identification information stored in the storage means A settlement destination selecting means for performing settlement, and a settlement information transmitting means for transmitting settlement information to the settlement destination selected by the settlement destination selecting means, wherein the settlement information is at least a store identification for identifying a store Information, price information indicating the amount of payment, payment destination identification information indicating a payment destination available to the store, and payment identification information for identifying payment.

  The payment system of the present invention comprises the information processing apparatus of the present invention, a store terminal managed by a store, and a plurality of payment devices managed for each payment operator that provides a payment service. To do.

  The settlement method of the present invention is a storage step that stores in advance a plurality of settlement destination identification information indicating settlement destinations that can be used by the user, and information relating to settlement of commercial transactions performed between the user and the store. Settlement information for identifying the store, price information indicating the amount of the settlement, settlement destination identification information indicating the settlement destination that can be used by the store, settlement information including settlement identification information for identifying the settlement is input from the outside Settlement for settlement of commercial transactions based on an information input step, a plurality of settlement destination identification information included in the settlement information input in the settlement information input step, and a plurality of settlement destination identification information stored in advance in the storage step A settlement destination selection step for selecting a destination, and a settlement information transmission step for transmitting settlement information to the settlement destination selected in the settlement destination selection step. The features.

  The program of the present invention causes a computer to execute the settlement method of the present invention.

  According to the present invention, a desired settlement service can be selected without notifying personal information to a store or the like.

  The best mode for carrying out the present invention will be described below in detail with reference to the accompanying drawings.

[First Embodiment]
A mobile terminal device will be described as an embodiment of the information processing apparatus of the present invention. First, the configuration of the mobile terminal device of the present embodiment will be described below with reference to FIG.

  The mobile terminal device (user terminal) 1 of this embodiment is a portable information processing device such as a mobile phone or a PDA (Personal Digital Assistant). Since the hardware configuration of the mobile terminal device of the present embodiment is the same as that generally known, the description thereof is omitted here. A software configuration of the mobile terminal device of the present embodiment is shown as a functional block in FIG. As shown in FIG. 1, the mobile terminal device 1 of this embodiment includes a storage unit 12, a payment information input unit 13, a payment destination selection unit 14, and a payment information transmission unit 15.

  The storage means 12 is a means for storing various information. In the present embodiment, the storage unit 12 stores user information (user identification information and identification information of the mobile terminal device 1) used for user authentication at a payment destination (payment system server 5 described later), for example. Yes.

  Further, the storage unit 12 stores payment destination identification information indicating a payment destination with which the user has a contract (a payment operator providing a payment service, a payment system server). The payment destination identification information is transmitted to the mobile terminal device 1 from a payment system server or the like managed by the payment operator when the user makes a contract with the payment operator to use the payment system. When the mobile terminal device 1 receives the payment destination identification information, the mobile terminal device 1 stores it in the storage unit 12. In the present embodiment, a plurality of payment destination identification information is stored for each payment system server. That is, the user has contracted with a plurality of settlement operators and is able to use a plurality of settlement services. The contract (registration) between the user and the settlement operator is performed, for example, when the user installs a contract (registration) application or the like in the mobile terminal device 1 via the network 100 such as the Internet. Examples of payment operators include credit service payment operators, electronic money payment operators, debit payment operators, and the like. Further, in this specification, “a buyer (a person who performs a commercial transaction)” and “a user (a person who uses a payment system; a person who uses the mobile terminal device 1)” are described as the same person. The person who performs the commercial transaction, the person who uses the payment system, and the person who uses the mobile terminal device 1 may be different from each other, or may overlap each other.

  The storage unit 12 may store the payment destination address information indicating the address of each payment destination in association with each payment destination identification information. Similarly to the payment destination identification information, the payment destination address information is sent from the payment system server or the like managed by the payment operator to the mobile terminal device 1 when the user makes a contract with the payment operator. Sent. When the mobile terminal device 1 receives the payment destination address information, the mobile terminal device 1 stores it in the storage unit 12.

  The storage unit 12 may store setting information indicating details of processing performed when the mobile terminal device 1 inputs payment information.

  The payment information input means 13 is means for inputting payment information to the mobile terminal device 1. The settlement information is information related to settlement of a predetermined commercial transaction performed between a user and a store (service provider). This payment information includes at least store identification information for identifying a store, price information indicating the price of a commercial transaction (settlement amount), and a payment indicating a settlement destination (settlement operator, settlement system server, etc.) with which the store is contracted. It includes destination identification information, payment identification information for identifying payment, and expiration date information indicating the expiration date of payment. In the present embodiment, a plurality of payment destination identification information is stored for each payment system server. That is, the store has contracts with a plurality of settlement operators. In addition, as an example included in the payment information, you may make it include the commercial transaction content information which shows the content (product name or service name) of commercial transaction, and the commercial transaction date / time information which shows the date and time of commercial transaction. The commercial service provider is not limited to a store such as a retail store, but also includes a website, a vending machine (administrator), and the like.

An example in which the payment information input means 13 inputs payment information is as follows.
<1> Receive settlement information transmitted from another information processing apparatus by wire or wireless. Examples of other information processing devices include store terminals (POS) installed in stores and other portable terminal devices.
<2> Read settlement information included in the two-dimensional barcode. The two-dimensional barcode is a QR code or the like, and may be displayed on a screen of a PC (Personal Computer) or the like, or may be described and printed on a medium such as a receipt or a transfer sheet.

  In this way, when the payment information input means 13 inputs the payment information, it outputs the input payment information to the payment destination selection means 14.

  The settlement destination selection means 14 is a means for selecting a settlement destination for actual settlement. When the settlement information is input from the settlement information input unit 13, the settlement destination selection unit 14 reads a plurality of settlement destination identification information stored in the storage unit 12. Then, the settlement destination selection unit 14 compares the plurality of settlement destination identification information included in the settlement information input from the settlement information input unit 13 with the plurality of settlement destination identification information read from the storage unit 12 and matches the settlement settlement. Pre-identification information is extracted. If there is one matching payment destination identification information, the payment destination indicated by the payment destination identification information is selected. When there are two or more matching payment destination identification information, the payment destination identification information is selected from a plurality of payment destinations indicated by the payment destination identification information.

  If there are two or more matching payment destination identification information, the payment destination selection means 14 selects based on a selection instruction by the user or selects based on setting information stored in advance in the storage means 12. To do.

  An example in the case of selecting based on a selection instruction by the user will be described. The settlement destination selection means 14 lists the settlement destination (settlement operator) names indicated by the extracted plurality of settlement destination identification information, and displays them on a display means (not shown in FIG. 1). The user looks at the displayed list and performs an operation of selecting a desired settlement destination. The settlement destination selection means 14 receives this user operation and selects the settlement destination selected by the user operation.

  An example of selection based on setting information stored in advance in the storage unit 12 will be described. The settlement destination selection unit 14 reads the setting information from the storage unit 12. For example, it is assumed that the setting information has the content “if the payment amount is less than 5000 yen, the payment is made by the payment operator A, and if the payment amount is 5000 yen or more, the payment is made by the payment operator B”. The settlement destination selection unit 14 selects a corresponding settlement destination based on the price information included in the settlement information input from the settlement information input unit 13 and the contents of the setting information.

  Here, when the payment destination address information is associated with the payment destination identification information indicating the payment destination selected by the payment destination selection means 14 (when the mobile terminal device 1 holds the address information of the payment destination). Will be described. In this case, the settlement destination selection unit 14 reads the user information and the settlement destination address information from the storage unit 12 and transmits the readout user information and settlement destination address information and the settlement information input from the settlement information input unit 13 to the settlement information transmission. Output to means 15. Then, the settlement destination selection unit 14 requests the settlement information transmission unit 15 to transmit settlement information and user information based on the settlement destination address information.

  On the other hand, when the payment destination address information is not associated with the payment destination identification information indicating the payment destination selected by the payment destination selection means 14 (when the mobile terminal device 1 does not hold the address information of the payment destination). explain. In this case, the settlement destination selection means 14 inquires about the location of the settlement destination (for example, a relay server 6 described later) that holds the address information of the selected settlement destination (payment system server) ( Hereinafter, it is necessary to perform position inquiry). Accordingly, the settlement destination selection unit 14 reads out the user information from the storage unit 12 and reads out the address information of the location inquiry destination. The address information of the position inquiry destination is stored in the storage unit 12 in advance. Then, the settlement destination selection unit 14 outputs the read user information and address information of the location inquiry destination and the settlement information input from the settlement information input unit 13 to the settlement information transmission unit 15. Then, the settlement destination selection unit 14 requests the settlement information transmission unit 15 to transmit a location inquiry request based on the location inquiry destination address information.

  The payment information transmitting means 15 is means for transmitting payment information to another information processing terminal device. In the present embodiment, payment information and user information are transmitted to the payment destination selected by the payment destination selection means 14. If the mobile terminal device 1 does not hold the address information of the payment destination, the payment information transmission unit 15 transmits the payment information and user information to the payment destination selected by the payment destination selection unit 14. In addition, a position inquiry request is transmitted to the position inquiry destination.

  Next, the operation of the mobile terminal device of the present embodiment (one embodiment of the settlement method of the present invention) will be described below with reference to FIG.

  First, the payment information input means 13 inputs payment information by communicating with other devices, reading a two-dimensional barcode, or the like (step S21).

  Next, the settlement destination selection unit 14 reads out from the storage unit 12 a plurality of settlement destination identification information (a plurality of settlement destinations with which a store or the like has a contract) included in the settlement information input from the settlement information input unit 13. And a plurality of settlement destination identification information (a plurality of settlement destinations with which the user has contracted). Then, the settlement selection means 14 extracts matching settlement destination identification information as a result of the comparison, and selects a settlement destination that actually performs settlement from the extracted (step S22).

  Finally, the payment information transmission unit 15 transmits the payment information input from the payment information input unit 13 and the user information read from the storage unit 12 to the payment destination selected by the payment destination selection unit 14. (Step S23).

  As described above, according to the mobile terminal device of the present embodiment, a desired settlement service can be selected without notifying personal information to a store or the like when performing settlement of a commercial transaction.

  Further, according to the mobile terminal device of the present embodiment, the user can determine whether or not to actually make a payment after receiving the payment information.

[Second Embodiment]
A settlement system according to an embodiment of the present invention will be described. First, the configuration of the payment system of the present embodiment will be described below with reference to FIG.

  As shown in FIG. 3, the payment system of the present embodiment is configured to include a user terminal (same as the portable terminal device shown in FIG. 1) 1, a retail store terminal 2, and a payment system server 5. . These terminals / servers are information processing apparatuses that operate under program control. Since the configuration and operation of the user terminal 1 have been described in the first embodiment, description thereof is omitted here. Below, the structure and operation | movement of the retail store terminal 2 and the payment system server 5 are each demonstrated.

  The retail store terminal 2 is a terminal that is installed and managed in a store such as a retail store, but is not necessarily installed in a retail store (store). It is a terminal device managed by a service provider who conducts commercial transactions. For example, in the case of a service provider that provides an Internet shopping service, for example, a server device is used.

  As shown in FIG. 3, the retail store terminal 2 includes a commercial transaction information input unit 21, a payment information generation unit 22, a payment information output unit 23, and a payment completion information reception unit 24.

  The commercial transaction information input means 21 is a means for inputting commercial transaction information to the retail store terminal 2. The commercial transaction information is information relating to a commercial transaction performed between a retail store and a purchaser, and includes, for example, a product name (service name) and a price. As an example in which the commercial transaction information input means 21 inputs the commercial transaction information, it is input by reading a barcode or the like attached to a product or accepting an input operation such as an operation unit by a store clerk (employee) or the like. The commercial transaction information input unit 21 outputs the input commercial transaction information to the settlement information generation unit 22.

  The settlement information generation unit 22 is a unit that generates settlement information based on the commercial transaction information input from the commercial transaction information input unit 21 and information stored in a storage unit (not shown). As described above, the payment information includes at least store identification information, price information, payment destination identification information, payment identification information, and expiration date information. Among these, the store identification information and the payment destination identification information are stored in a storage means (not shown). In this embodiment, since the retail store is contracted with a plurality of settlement operators, a plurality of settlement destination identification information is stored. The payment information generation means 22 reads store identification information and a plurality of payment destination identification information from a storage means (not shown). Moreover, the payment information generation means 22 extracts price information from the commercial transaction information. Moreover, the payment information generation means 22 gives an arbitrary number etc. to the said payment, and it is set as payment identification information. Moreover, the payment information generation means 22 determines the expiration date of the payment based on the setting made in advance at the store, and sets it as the expiration date information. The payment information generation means 22 generates payment information including store identification information, a plurality of payment destination identification information, price information, payment identification information, and expiration date information. The settlement information may include commercial transaction content information and commercial transaction date / time information. The payment information generation unit 22 outputs the generated payment information to the payment information output unit 23.

  The payment information output means 23 outputs the payment information generated by the payment information generation means 22. As an example of the output of the payment information, as described in the first embodiment, it is output in the form of a two-dimensional barcode on the screen or medium of the device, or is wired to the user terminal 1 or Or send directly over the air.

  The payment completion information receiving unit 24 is a unit that receives the payment completion information transmitted from the payment system server 5. When the payment completion information is received, it is processed as having been completed. The payment completion information is information indicating that payment has been completed, and is generated by the payment system server 5.

  The payment system server 5 is installed and managed on a network by a payment operator that provides a payment service. As shown in FIG. 3, the payment system server 5 includes a payment information receiving unit 51, a payment unit 52, a payment completion information generation unit 53, and a payment completion information transmission unit 54. In FIG. 3, only one settlement system server 5 is shown, but it is assumed that a plurality of settlement system servers 5 exist for each settlement operator.

  The payment information receiving means 51 is means for receiving the payment information and user information transmitted from the user terminal 1. The payment information receiving means 51 outputs the received payment information and user information to the payment means 52.

  The settlement means 52 is a means for performing user authentication and settlement processing. The settlement means 52 first performs user authentication based on the user information. When the user authentication is successful, the settlement unit 52 performs a settlement process based on the settlement information. When the settlement process ends, the settlement unit 52 notifies the settlement completion information generation unit 53 of the settlement completion. The settlement completion notification is information in which a flag indicating settlement completion is added to the settlement information, for example. In the present embodiment, the settlement means 52 performs user authentication, but a means dedicated to user authentication may be provided separately.

  The payment completion information generating unit 53 is a unit that generates payment completion information indicating that payment has been normally completed. When the payment completion information generation unit 53 receives the payment completion notification from the payment unit 52, the payment completion information generation unit 53 generates payment completion information. In this generation, the payment completion information generating unit 53 reads the address information of the retail store terminal 2 from a storage unit (not shown) based on the store identification information included in the payment information. Then, the payment completion information generation unit 53 outputs the generated payment completion information and the address information of the retail store terminal 2 to the payment completion information generation unit 54, and transmits the payment completion information based on the address information of the retail store terminal 2. To request.

  The payment completion information generating means 54 is means for transmitting payment completion information to the retail store terminal 2. The payment completion information generating unit 54 transmits the payment completion information generated by the payment completion information generating unit 53 to the retail store terminal 2 based on the address information of the retail store terminal 2.

  Next, the operation of the payment system of this embodiment (one embodiment of the payment method of the present invention) will be described below with reference to FIG.

  In the retail store terminal 2, the commercial transaction information input means 21 inputs the commercial transaction information by reading a barcode or the like attached to the product or accepting an input operation such as an operation unit by a store clerk (employee) or the like ( Step S31).

  In the retail store terminal 2, the settlement information generation unit 22 generates settlement information based on the commercial transaction information input from the commercial transaction information input unit 21 and information stored in a storage unit (not shown) (step S32).

  In the retail store terminal 2, the payment information output means 23 outputs the payment information generated by the payment information generation means 22 (step S33). The data is output in the form of a two-dimensional bar code to the screen or medium of the apparatus, or directly transmitted to the user terminal 1 by wire or wireless.

  In the user terminal 1, the operations in steps S21 to S23 in FIG. 2 are performed (step s34). Since the operations in steps S21 to S23 in FIG. 2 have been described in the first embodiment, a description thereof is omitted here.

  In the payment system server 5, the payment information receiving means 51 receives payment information and user information from the user terminal 1 (step S35).

  In the payment system server 5, the payment means 52 performs user authentication for authenticating whether the user is a valid user registered in advance based on the user information. If the authentication is successful, the payment means 52 performs payment based on the payment information. Processing is performed (step S36).

  In the payment system server 5, when the payment completion information generating unit 53 receives the payment completion notification from the payment unit 52, it generates payment completion information (step S37).

  In the payment system server 5, the payment completion information transmission unit 54 transmits the payment completion information generated by the payment completion information generation unit 53 to the retail store terminal 2 (step S38).

  In the retail store terminal 2, the payment completion information receiving unit 24 receives the payment completion information transmitted from the payment completion information transmitting unit 54 (step S39).

  As described above, according to the payment system of the present embodiment, the user can select a desired payment service without notifying personal information to a store or the like when paying for a commercial transaction.

  Moreover, according to the payment system of this embodiment, after receiving payment information, the user can determine whether to actually make a payment.

  Further, according to the settlement system of the present embodiment, the following effects can be obtained.

  Examples of the settlement system relating to the present invention include those shown in FIG. 9 and those disclosed in Japanese Patent Application Laid-Open No. 2007-280064. These payment systems are configured to include a plurality of user terminal communication devices (individual payment processing units) in a retail store terminal (payment terminal device) installed in a retail store, thereby allowing one retail store terminal (settlement) The terminal device) can support multiple payment services. However, these payment systems have the following problems for payment operators (operators providing payment services), retail stores, and buyers (users).

  When a settlement operator newly enters a retail store, it is necessary to distribute a dedicated user terminal communication device (individual settlement processing unit or program thereof) to each retail store, which is expensive.

  The retail store includes a work for incorporating as many user terminal communication devices (individual payment processing units or programs thereof) as the number of payment operators into the retail store terminal, a work for selecting a payment operator during a payment process of a buyer, This requires labor and expense, for example, to educate employees on how to operate each settlement operator.

  The purchaser needs to select from the settlement operators supported by the retail store. As a result, it is necessary to perform registration and the like for each settlement operator in advance so that the settlement of any settlement operator can be handled.

  However, according to the present embodiment, since it is not necessary to incorporate a device, a program, or the like for each business operator in the retail store terminal, the settlement business operator and the retail store need only a minimum initial capital investment. In addition, according to the present embodiment, the purchaser inputs payment information common to all payment operators, so that the buyer can freely select a payment operator without depending on equipment on the retail store side.

[Third Embodiment]
Next, a settlement system according to an embodiment of the present invention will be described.
As shown in FIG. 5, the payment system of this embodiment includes a user terminal 1, a retail store terminal 2, a user terminal communication device 3, a retail store terminal communication device 4, a payment system server 5, and a relay server. 6. These terminals / devices 1 to 6 are information processing devices that operate under program control. The user terminal 1, the retail store terminal communication device 4, the payment system server 5, and the relay server 6 are connected to each other via a network 100 such as the Internet. In this embodiment, as an example, the payment system server 5 is managed by an electronic money business operator, and the payment system servers 5 managed by the respective electronic money business operators A, B, and C are respectively 5-a , 5-b, 5-c. Hereinafter, a configuration different from the second embodiment will be described.

  It is assumed that the user terminal 1 does not store settlement address information in the storage unit 12. That is, it is necessary to inquire about the location of the settlement destination. The payment information transmission unit 15 transmits the position inquiry request as described above. The transmission destination of the position inquiry request is the relay server 6. Further, the user terminal 1 has communication setting information receiving means (not shown) for receiving communication setting information from the relay server 6 after transmitting the position inquiry request. The communication setting information is information for establishing a protected communication path on the network 100. The user terminal 1 also establishes a communication path 101 (see FIG. 5) for establishing a communication path 101 with the payment system server 5 in a network 100 such as the Internet (hereinafter referred to as the network 100) based on the received communication setting information. Not shown). The communication path establishment means can also delete the established communication path 101. Since other configurations are the same as those described in the first and second embodiments, description thereof is omitted here.

  In the retail store terminal 2, the destination to which the payment information output unit 23 outputs the payment information is the user terminal communication device 3. Further, the payment completion information receiving unit 24 receives payment completion information from the retail store terminal communication device 4.

  The user terminal communication device 3 is an information processing device connected to the retail store terminal 2. The user terminal communication device 3 receives payment information from the retail store terminal 2 and transmits the payment information to the user terminal 1 at a short distance. Examples of communication methods employed by the user terminal communication device 3 include RFID, Bluetooth, and infrared rays.

  The retail store terminal communication device 4 is an information processing device connected to the retail store terminal 2. The retail store terminal communication device 4 receives the payment completion information 12 from the payment system server 5 via the network 100 such as the Internet, and transmits the payment completion information to the retail store terminal 2. Further, the retail store terminal communication device 4 has a communication path establishment means (not shown) for establishing and deleting a protected communication path 102 with the payment system server 5 via the network 100. When the retail store terminal communication device 4 is not used, the retail store terminal 2 may have a communication path establishment means (not shown).

  It is assumed that the settlement system server 5 does not store the address information of the retail store terminal 2 in a storage unit (not shown). That is, the position inquiry of the retail store terminal 2 is required. The position inquiry request is transmitted by, for example, the settlement completion information transmitting unit 54 shown in FIG. The transmission destination of the position inquiry request is the relay server 6. Further, after transmitting the position inquiry request, for example, the settlement information receiving means 51 receives the communication setting information from the relay server 6. In this case, the payment system server 5 has communication path establishing means (not shown) for establishing a communication path 102 with the retail store communication device 4 on the network 100 based on the received communication setting information. . The communication path establishment means can also delete the established communication path 102. Other configurations are the same as the configurations described in the second embodiment, and a description thereof is omitted here.

  The relay server 6 is an information processing device that relays communication between devices. As an example, “DNS server” and “SIP PROXY server” are assumed. In particular, “m2mx” is assumed in the “SIP PROXY server”.

  The relay server 6 includes communication means (not shown) that communicates with the user terminal 1, the retail store terminal communication device 4, and the payment system server 5 via the network 100.

  Further, the relay server 6 is a storage means (not shown) for holding address information, user information, communication setting information, etc. of the user terminal 1, the retail store terminal 2 (the retail store terminal communication device 4), and the payment system server 5. Have This address information is stored in association with identification information (identification information of the user terminal 1, store identification information, settlement destination identification information, etc.).

  Further, the relay server 6 includes an authentication unit (not shown) for authenticating the user terminal 1, the retail store terminal 2 (the retail store terminal communication device 4), and the payment system server 5.

  Further, the relay server 6 has an address information search means (not shown) for searching the corresponding address information from the storage means when receiving a location inquiry request from the user terminal 1 or the payment system server 5.

  The relay server 6 reads the communication setting information from the storage unit, and relays the communication setting information between the two devices (for example, between the user terminal 1 and the payment system server 5) according to the address information searched by the address information search unit. Communication setting information relay means (not shown).

  Next, the operation of the payment system of this embodiment (one embodiment of the payment method of the present invention) will be described in detail with reference to FIG.

  First, the retail store terminal 2 performs steps S31 to S33 in FIG. 4 (step S1). Since steps S31 to S33 in FIG. 4 have been described in the second embodiment, description thereof is omitted here.

  The user terminal communication device 3 relays the payment information (step S2). That is, the user terminal communication device 3 receives payment information from the retail store terminal 2 and transmits the payment information to the user terminal 1 at a short distance.

  The user terminal 1 performs steps S21 to S22 in FIG. 2 (step S3). Since steps S21 to S22 in FIG. 2 have been described in the first embodiment, description thereof is omitted here.

  In the user terminal 1, the payment information transmission means 15 transmits a position inquiry request for the selected payment destination (for example, the payment system server 5-c) to the relay server 6 (step S4). Together with this position inquiry request, payment destination identification information and user information indicating the selected payment destination (payment system server 5-c) are transmitted.

  In the relay server 6, the position of the selected settlement destination is searched and the communication setting information is relayed (step S5). Details of step S5 will be described below.

  The communication means receives a position inquiry request (and settlement destination identification information, user information) from the user terminal 1. The authentication means performs authentication based on the received user information and the user information stored in the storage means. If the authentication is successful, the address information search unit searches the storage unit for payment destination identification information that matches the received payment destination identification information, and acquires address information associated with the payment destination identification information. Here, as an example, the address information of the payment system server 5-c is acquired. The address information search means searches the storage means for identification information that matches the received user information, and acquires address information associated with the identification information. That is, the address information of the user terminal 1 is acquired. Then, the communication setting information relay means reads the communication setting information from the storage means, and transmits the communication setting information between the two devices (between the user terminal 1 and the payment system server 5) according to the two address information searched by the address information search means. Relay on.

  When the communication setting information is received in the user terminal 1 and the payment system server 5-c, each communication path establishing means establishes the communication path 101 on the network 100 based on the received communication setting information (steps S6 and S7). ). Thus, by establishing the communication path 101 between the user terminal 1 and the payment system server 5-c, both the user terminal 1 and the payment system server 5-c are protected, and security is protected. Communication is possible.

  In the user terminal 1, the payment information transmitting unit 15 transmits the payment information and the user information to the payment system server 5-c as in step S23 of FIG. 2 (step S8). The communication path 101 is used for this transmission. When the transmission of the payment information and the user information is completed, each communication path establishment unit in the user terminal 1 and the payment system server 5 may delete the established communication path 101.

  The settlement system server 5-c performs steps S35 to S37 in FIG. 4 (step S9). Since steps S35 to S37 in FIG. 4 have been described in the second embodiment, description thereof is omitted here.

  When generation of payment completion information is completed in the payment system server 5-c (step S37), the payment completion information transmission means 54 sends a position inquiry request for the retail store terminal 2 (retail store terminal communication device 4) to the relay server. 6 (step S10). Along with this location inquiry request, store identification information and user information indicating the retail store terminal 2 (retail store terminal communication device 4) are transmitted.

  In the relay server 6, the position search of the retail store terminal 2 (the retail store terminal communication device 4) and the communication setting information relay are performed (step S11). The details of step S11 are the same as the details of step S5 described above, and a description thereof is omitted here.

  When the communication setting information is received in the retail store terminal communication device 4 and the payment system server 5-c, each communication path establishing means establishes the communication path 102 on the network 100 based on the received communication setting information ( Steps S12 and S13). As described above, the communication path 102 is established between the retail store terminal communication device 4 and the settlement system server 5-c, whereby both the retail store terminal communication device 4 and the settlement system server 5-c are protected. And secure communication becomes possible.

  In the payment system server 5-c, as in step S38 of FIG. 4, the payment completion information transmitting unit 54 transmits the payment completion information to the retail store terminal communication device 4 (step S14). The communication path 102 is used for this transmission. When the transmission of the payment completion information is completed, each communication path establishment means in the retail store terminal communication device 4 and the payment system server 5 may delete the established communication path 102.

  The retail store terminal communication device 4 relays the payment completion information (step S15). That is, the retail store terminal communication device 4 receives the payment completion information from the payment system server 5-c via the network 100, and transmits the payment completion information to the retail store terminal 2.

  In the retail store terminal 2, as in step S39 of FIG. 4, the payment completion information receiving means 24 receives the payment completion information 12 from the retail store terminal communication device 4 (step S16). This completes the settlement of the commercial transaction performed between the retail store and the purchaser (user).

  As described above, according to the payment system of the present embodiment, the purchaser can set the payment freely by using one user terminal 1 from a plurality of electronic money business operators.

  Further, according to the settlement system of the present embodiment, the retail store enables transactions with a plurality of electronic money business operators by introducing one user terminal communication device and a retail store terminal communication device.

  Further, according to the payment system of the present embodiment, the electronic money business operator provides the payment system server 5, makes a contract with the purchaser, and provides the electronic money business operator information, thereby providing a user terminal dedicated to the retail store. An electronic money settlement service can be provided without installing the communication device 3.

  Moreover, according to the payment system of this embodiment, the use of the communication paths 101 and 102 in which each communication is protected makes it possible to install a dedicated line between the retail store terminal 2 and the payment system server 5 by the electronic money business operator. There is no need to do this individually.

  Further, according to the settlement system of the present embodiment, in order to establish protected communication paths 101 and 102, the performance of each communication device (1, 4, 5, etc.) according to the number of established communication paths.・ It is necessary to increase the scale, but it is not necessary to increase the performance / scale of each communication device (1, 4, 5, etc.) by establishing / deleting a dynamically protected communication path. .

[Fourth Embodiment]
Next, a fourth embodiment of the present invention will be described with reference to FIG.
This embodiment is different from the above-described third embodiment in that a purchaser does not select a single electronic money business operator but can use a plurality of electronic money business operators in accordance with the settlement amount. The configuration of each terminal / device 1 to 5 shown in FIG. 7 is the same as that of the third embodiment, and a description thereof will be omitted here.

  The operation until the user terminal 1 receives payment information from the retail store terminal 2 via the user terminal communication device 3 is the same as that in the third embodiment, and thus the description thereof is omitted here. Also, description of operations common to the third embodiment is omitted.

  In the user terminal 1, the payment destination selection means 14 (or payment information division means not shown) reads the setting information stored in the storage means 12. The settlement destination selection means 14 divides the price information (and commercial transaction content information) included in the settlement information based on the setting information. Then, the payment destination selection means 14 transmits the divided payment information a and b to the payment system servers 5 (for example, 5-a and 5-b) of a plurality of electronic money operators. In addition, when establishing a communication path, it establishes for every division | segmentation payment information (for example, 101-a and 101-b).

  Here, an example of the setting information will be described. For example, the setting information includes contents for predetermining electronic money business operators to be used for settlement for each type of purchased product. An example of the contents is shown below. For example, with regard to the price corresponding to the ingredients among the purchased products, the split settlement information a is transmitted to the settlement system server 5-a of the electronic money business operator registered in the user terminal 1 as common to the family. Further, for example, for the payment corresponding to the entertainment expenses, the divided payment information b is transmitted to the payment system server 5-b of the electronic money business operator registered in the user terminal 1 for personal use.

  The payment system servers 5-a and 5-b perform individual payments based on each piece of payment information. Then, the payment completion information generating unit 53 generates the divided payment completion information a and b for each payment. The settlement completion information transmission means 54 transmits the divisional settlement completion information a and b to the retail store terminal 2 via the retail store terminal communication device 4. In addition, when establishing a communication path, it establishes for every division | segmentation payment completion information (for example, 102-a and 102-b).

  In the retail store terminal 2, the payment completion information receiving unit 24 integrates the divisional payment completion information a and b and completes the payment when one payment completion information can be generated.

  Another example of the setting information will be described. In the example of the setting information, first, an upper limit value of the usage amount is set for each electronic money business operator, and when the accumulation of past payment information reaches the set upper limit value, the payment system server 5 makes a user terminal. 1 is to be notified. In such a case, the user terminal 1 can select whether the amount exceeding the upper limit value is sent to another electronic money business operator 5-c as split payment information or to stop the payment. May be added to the setting information.

  In the present embodiment, the payment information is automatically divided based on setting information stored in advance, but it is not necessary to depend on the setting information. For example, the user may confirm the input payment information, and may perform an operation for dividing the payment information according to his / her preference. Further, the user may perform an operation of selecting each transmission destination of the divided settlement information. Based on this user operation, the payment destination selection means 14 (or payment information dividing means not shown) divides the payment information, and the payment information transmission means 15 transmits the divided payment information.

[Fifth Embodiment]
Next, a fifth embodiment of the present invention will be described with reference to FIG.
In the present embodiment, the third and fourth aspects described above are not limited in that the purchaser can not only use the payment information for electronic money payment, but also collect and process various information included in the payment information by transmitting it to the home server. Different from the embodiment.

  The operation until the user terminal 1 receives payment information from the retail store terminal 2 via the user terminal communication device 3 is the same as that in the third embodiment, and thus the description thereof is omitted here. Also, description of operations common to the third embodiment is omitted.

  In the user terminal 1, the settlement destination selection unit 14 reads the setting information stored in the storage unit 12. The setting information is, for example, the content that the payment information is transmitted to the home server 7 when the user terminal 1 inputs the payment information. The settlement destination selection unit 14 accesses the home server 7 based on the setting information and transmits settlement information. The home server 7 records / references various information (price information and commercial transaction information) included in the settlement information.

  In addition, when the user terminal 1 does not hold the address information of the home server 7 in the storage unit 12, the location inquiry request of the home server 7 (and identification information of the home server, user information) is sent to the relay server 6. Send. The relay server 6 searches for the location information of the home server 7 by the same method as in step S5 of the third embodiment. Then, the relay server 6 relays communication setting information necessary for establishing the communication path 103 in which the user terminal 1 and the home server 7 are protected in the network 100 such as the Internet. The user terminal 1 and the home server 7 establish a protected communication path 103 in the network 100 such as the Internet between them according to the communication setting information exchanged via the relay server 6. The user terminal 1 transmits settlement information to the home server 7 using the protected communication path 103. The home server 7 registers (records) the price information and the commercial transaction information included in the payment information as management information such as household account book information, health management information, and equipment inventory status in a storage means (not shown). The registration (recording) may be all of the received payment information or a part (extract).

  In the present embodiment, the payment information is automatically transmitted to the home server based on the setting information stored in advance, but it is not necessary to depend on the setting information. For example, the user may confirm the input payment information and, at that time, may perform an operation of instructing his / her favorite transmission destination. Based on this user operation, the payment information transmitting means 15 transmits the payment information.

  In the present embodiment, a single home server is used, but a plurality of home servers may be used, and the payment information transmitting unit 15 may transmit the payment information to a plurality of home servers. Further, it is not always necessary to have a plurality of home servers, and the settlement information transmitting means 15 may transmit the settlement information to a plurality of types of apparatuses / devices.

  As mentioned above, although embodiment of this invention was described, it is not limited to the said embodiment, A various deformation | transformation is possible in the range which does not deviate from the summary. The above embodiments can be arbitrarily combined.

  In addition, the operations (the operations shown in the flowcharts and sequence charts) in the above-described embodiments can be executed by hardware. Alternatively, it can be executed by a combined configuration of hardware and software.

  When executing processing by software, a program in which a processing sequence is recorded may be installed and executed in a memory in a computer incorporated in dedicated hardware. Or you may install and run a program in the general purpose computer which can perform various processes.

  For example, the program can be recorded in advance on a hard disk or a ROM (Read Only Memory) as a recording medium. Alternatively, the program is temporarily or permanently stored on a removable recording medium such as a CD-ROM (Compact Disc Read Only Memory), an MO (Magneto optical) disc, a DVD (Digital Versatile Disc), a magnetic disc, or a semiconductor memory. It can be stored (recorded). Such a removable recording medium can be provided as so-called package software.

  The program may be wirelessly transferred from the download site to the computer in addition to being installed on the computer from the removable recording medium as described above. Alternatively, the data may be transferred to the computer by a wire via a network such as a LAN (Local Area Network) or the Internet. The computer can receive the transferred program and install it on a recording medium such as a built-in hard disk.

  In addition to being executed in time series in accordance with the processing operations described in the above embodiment, the processing capability of the apparatus that executes the processing, or a configuration to execute in parallel or individually as necessary Is also possible.

  In addition, the payment system described in the above embodiment can be configured to have a logical set configuration of a plurality of devices or to mix the functions of each device.

It is a figure which shows the structure of the portable terminal device which concerns on the 1st Embodiment of this invention. It is a flowchart which shows operation | movement of the portable terminal device which concerns on the 1st Embodiment of this invention. It is a figure which shows the structure of the payment system which concerns on the 2nd Embodiment of this invention. It is a sequence chart which shows operation | movement of the payment system which concerns on the 2nd Embodiment of this invention. It is a figure which shows the structure of the payment system which concerns on the 3rd Embodiment of this invention. It is a sequence chart which shows operation | movement of the payment system which concerns on the 3rd Embodiment of this invention. It is a figure which shows the structure of the payment system which concerns on the 4th Embodiment of this invention. It is a figure which shows the structure of the payment system which concerns on the 5th Embodiment of this invention. It is a figure which shows an example of the payment system relevant to this invention.

Explanation of symbols

1,201 User terminal (mobile terminal device)
2,202 Retail store terminal (store terminal)
3, 203, 203-a, 203-b, 203-c User terminal communication device 4, 204 Retail store terminal communication device 5, 5-a, 5-b, 5-c, 205, 205-a, 205- b, 205-c Payment system server (settlement device)
6 Relay server (relay device)
7 Home server (second information processing device)
DESCRIPTION OF SYMBOLS 12 Memory | storage means 13 Settlement information input means 14 Settlement destination selection means 15 Settlement information transmission means 21 Commerce transaction information input means 22 Settlement information generation means 23 Settlement information output means 24 Settlement completion information reception means 51 Settlement information reception means 52 Settlement means 53 Settlement completion Information generation means 54 Payment completion information transmission means 100 Network such as the Internet 101 Communication path between user terminal and payment system server 102 Communication path between retail store terminal communication device and payment system server 103 User terminal and home server Communication path between

Claims (25)

Storage means for storing a plurality of payment destination identification information indicating payment destinations available to the user;
Payment information input means for inputting payment information relating to payment of commercial transactions between the user and the store;
Payment destination selection means for selecting a payment destination for payment of the commercial transaction based on the payment information input by the payment information input means and a plurality of payment destination identification information stored in the storage means;
Payment information transmission means for transmitting the payment information to the payment destination selected by the payment destination selection means,
The payment information is
At least store identification information for identifying the store, price information indicating the amount of the settlement, settlement destination identification information indicating a settlement destination available to the store, and settlement identification information for identifying the settlement An information processing apparatus characterized by the above. The settlement destination selecting means is
A plurality of payment destination identification information included in the payment information input by the payment information input means is compared with a plurality of payment destination identification information stored in the storage means, and as a result of comparison, matching payment destination identification 2. The information processing apparatus according to claim 1, wherein information is extracted, and predetermined settlement destination identification information is selected from the extracted settlement destination identification information. The settlement destination selecting means is
A predetermined settlement destination identification information is selected from the extracted settlement destination identification information based on either the user selection instruction or the setting information stored in advance in the storage means. The information processing apparatus according to claim 2 . Payment information dividing means for dividing the payment information input by the payment information input means,
The settlement information transmitting means
4. The plurality of pieces of divided payment information divided by the payment information dividing unit are distributed and transmitted for each of a plurality of payment destinations selected by the payment destination selecting unit. The information processing apparatus described in 1. The settlement information transmitting means
The information processing apparatus according to claim 1, wherein the payment information is transmitted to a party other than the payment destination. Communication path establishment means for establishing a communication path with the settlement destination selected by the settlement destination selection means,
The settlement information transmitting means
The information processing apparatus according to claim 1, wherein the payment information is transmitted using a communication path established by the communication path establishment unit. The storage means
For each of the plurality of payment destination identification information, the payment destination address information indicating the position of the payment destination is associated and stored,
The settlement information transmitting means
The information processing apparatus according to claim 1, wherein the payment information is transmitted based on the payment destination address information. The settlement information transmitting means
The position inquiry request for inquiring the position of the settlement destination is transmitted to the relay apparatus holding the settlement destination address information indicating the position of the settlement destination. The information processing apparatus according to item 1. The payment information is
The information processing apparatus according to claim 1, further comprising expiration date information indicating an expiration date of the settlement. The information processing apparatus according to any one of claims 1 to 9,
Store terminals managed by the store,
A plurality of payment devices managed for each payment operator providing the payment service;
A payment system characterized by comprising: The store terminal
Commerce information input means for inputting commerce information related to commerce,
Payment information generation means for generating payment information related to payment of the commercial transaction based on at least the commercial transaction information input by the commercial transaction information input means;
Payment information output means for outputting the payment information generated by the payment information generation means to the information processing apparatus;
Payment information receiving means for receiving payment completion information indicating that the payment has been completed from the payment device;
The payment system according to claim 10, further comprising: The plurality of payment devices are:
Payment information receiving means for receiving the payment information from the information processing apparatus;
Payment means for performing payment processing based on the payment information received by the payment information receiving means;
Payment completion information generating means for generating payment completion information indicating that payment processing has been completed by the payment means;
The payment system according to claim 10 or 11, wherein the payment completion information generated by the payment completion information generation means is transmitted to the store terminal. A second information processing apparatus capable of communicating with the information processing apparatus;
The second information processing apparatus
The payment system according to any one of claims 10 to 12, wherein the payment information received from the information processing apparatus is recorded. A relay device that holds address information indicating positions of the information processing device, the store terminal, the plurality of payment devices, and the second information processing device,
The relay device is
A communication path is established between the information processing device and the plurality of payment devices, between the shop terminal and the plurality of payment devices, or between the information processing device and the second information processing device. 14. The settlement system according to claim 13 , wherein communication path setting information for relaying is relayed. The information processing device, the store terminal, the plurality of payment devices, and the second information processing device are:
15. The settlement system according to claim 14, further comprising communication path establishment means for establishing the communication path based on the communication setting information received from the relay device. A storage step of storing a plurality of payment destination identification information indicating payment destinations available to the user in advance;
It is information relating to settlement of commercial transactions performed between the user and the store, and at least stores identification information for identifying the store, price information indicating the amount of the settlement, and a settlement destination that can be used by the store A settlement information input step of inputting settlement information including settlement identification information and settlement identification information for identifying the settlement from the outside;
Based on a plurality of settlement destination identification information included in the settlement information input in the settlement information input step and a plurality of settlement destination identification information stored in advance in the storage step, a settlement destination for settlement of the commercial transaction is determined. A settlement destination selection step to be selected;
A payment information transmission step of transmitting the payment information to the payment destination selected in the payment destination selection step;
A settlement method characterized by comprising: The settlement destination selection step includes:
A plurality of payment destination identification information included in the payment information input in the payment information input step is compared with a plurality of payment destination identification information stored in advance in the storage step, and as a result of comparison, matching payment destination identification 17. The settlement method according to claim 16, wherein information is extracted and predetermined settlement destination identification information is used from the extracted settlement destination identification information. The settlement destination selection step includes:
The user's selection instruction, or based on any of the previously stored configuration information, as claimed in claim 17, wherein the selecting a predetermined payment destination identification information from among the extracted payment destination identification information Payment Method. A payment information dividing step of dividing the payment information input in the payment information input step;
The payment information transmission step includes:
19. The plurality of pieces of divided payment information divided by the payment information division step are distributed and transmitted for each of the plurality of payment destinations selected by the payment destination selection step. The payment method described in. The payment information transmission step includes:
20. The settlement method according to claim 16, wherein the settlement information is transmitted to a party other than the settlement destination. A communication path establishment step for establishing a communication path with the settlement destination selected in the settlement destination selection step;
The payment information transmission step includes:
The settlement method according to any one of claims 16 to 20, wherein the settlement information is transmitted using the communication path established by the communication path establishment step. The storing step includes
For each of the plurality of payment destination identification information, store the payment destination address information indicating the position of the payment destination in association with each other,
The payment information transmission step includes:
The payment method according to any one of claims 16 to 21, wherein the payment information is transmitted based on the payment destination address information.   The method further comprises a position inquiry step of transmitting a position inquiry request for inquiring the position of the payment destination to a relay apparatus holding the payment destination address information indicating the position of the payment destination. The settlement method according to any one of 16 to 22.   The settlement method according to any one of claims 16 to 23, wherein the settlement information includes expiration date information indicating an expiration date of the settlement.   A program for causing a computer to execute the settlement method according to any one of claims 16 to 24.

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