JP5405197B2 - Prepaid electronic money payment system - Google Patents

Description

The present invention relates to a prepaid electronic money settlement system using prepaid electronic money.

  In recent years, electronic money has become widespread with the development of information processing technology. There are two types of electronic money according to their purpose. One is a type whose main purpose is use in an actual store, and the other is a type whose main purpose is use on the Internet.

  In the former type, the balance of electronic money is recorded on an IC card, and when a product or the like is purchased at a store, settlement is performed by reading the IC card with a dedicated terminal device (Non-Patent Document 1). ). Examples of this type of electronic money include Edy and SUICA.

On the other hand, in the latter type, the balance of electronic money is recorded on the server of the electronic money management company, and payment is made by entering a prepaid number etc. that identifies the user etc. when purchasing goods etc. at an internet store etc. (Non-patent Document 2). This type of electronic money includes Web Money.

BitWallet, “How to use Edy?” [Online], Internet <URL: http://www.edy.jp/howto/index.html> WebMoney Corporation, “Usage”, [online], Internet <URL: http://www.webmoney.jp/guide/index.html>

  Any of these types of electronic money is intended for use in an actual store or the Internet, and therefore, it is difficult to use other types of electronic money, for example, other than an actual store in the real world. For example, it cannot be applied to settlement at the delivery destination of a delivery company (cash on delivery service) or payment at a service provision site such as nursing care / visiting service. Or account transfer is used. However, as the convenience of electronic money is recognized, it is desired that electronic money can be used in other places.

  In the case of a conventional IC card type, the above can be realized, for example, when a home delivery company carries an IC card reading device, but the reading device is large and inconvenient to carry, and its terminal is also inexpensive. It is not suitable for use by courier companies.

  In view of the above problems, the inventor of the present application has invented a prepaid electronic money settlement system that can be used outside of an actual store.

A first invention is a prepaid electronic money settlement system for storing a balance of electronic money in a server, wherein the prepaid electronic money settlement system stores a communication terminal ID for uniquely identifying a portable communication terminal. A terminal information storage unit, a card information storage unit for storing at least card identification information for uniquely identifying a prepaid card, authentication information, and a balance; and a business operator ID and password for identifying a business operator using the portable communication terminal Based on the operator ID and password, the operator information storage unit that stores at least, means for receiving input of the operator ID and password from a portable communication terminal that performs registration, and the operator information By referring to the storage unit, means for authenticating whether the business operator is a business operator registered in advance, and the authentication is normally performed. E-mail including at least a means for receiving an e-mail address of the portable communication terminal from the portable communication terminal and a URL to a website for obtaining a communication terminal ID of the portable communication terminal. Means for transmitting to a mail address; means for obtaining a communication terminal ID of the portable communication terminal upon receipt of access to the website of the URL; and storing the communication terminal information in the communication terminal information storage unit; Means for accepting access to a URL by code information displayed on the prepaid card, read by a code reader provided in a communication terminal, and displaying a website of the URL on the portable communication terminal; By referring to the communication terminal information storage unit based on the communication terminal ID acquired from the portable communication terminal A means for authenticating whether the portable communication terminal is a pre-registered terminal; a means for receiving the payment amount input to the portable communication terminal from the portable communication terminal; and a input to the portable communication terminal The authentication information received from the portable communication terminal and referring to the card information storage unit based on the authentication information, the means for authenticating the holder of the prepaid card, and each authentication is normally performed. And a means for performing a payment process by subtracting the payment amount received from the portable communication terminal from the balance stored in the card information storage unit.
The second invention is a prepaid electronic money settlement system for storing a balance of electronic money in a server, wherein the prepaid electronic money settlement system stores a communication terminal ID for uniquely identifying a portable communication terminal. A communication terminal information storage unit, a card information storage unit for storing at least card identification information, authentication information, a balance, and a protection amount for uniquely identifying a prepaid card; and a code reader provided in the portable communication terminal. Means for accepting access to the URL by the read code information displayed on the prepaid card and displaying the website of the URL on the portable communication terminal; and a communication terminal ID obtained from the portable communication terminal By referring to the communication terminal information storage unit based on the mobile terminal, the portable communication terminal is registered in advance. Authentication means input to the portable communication terminal, means for receiving the payment amount input to the portable communication terminal from the portable communication terminal, and authentication information input to the portable communication terminal. Means for authenticating the holder of the prepaid card by referring to the card information storage unit based on the authentication information, and storing the card information storage unit when each authentication is normally performed Means for subtracting the payment amount received from the portable communication terminal from the balance to be transferred, and the balance corresponding to the card identification information and the protection amount at the time of the payment processing Is extracted from the card information storage unit, the protection amount is subtracted from the balance, the subtraction result is compared with the settlement amount, and if the settlement amount is greater than the subtraction result, the settlement amount is And it notifies the over, if the payment amount is not greater than the subtraction result performs settlement processing by subtracting the payment amount from the balance, a prepaid electronic money payment system.

  By configuring as in the present invention, for example, a courier company who wishes to make a payment outside the actual store is displayed on a prepaid card presented by the recipient at a portable communication terminal such as a mobile phone possessed by the delivery company. By reading the code information such as the barcode, the user can access a predetermined website and make a payment.

As a result, even server type electronic money can be used outside the Internet. In addition, since a special device such as an IC card reader is not required as in the IC card type, there is no inconvenience for carrying.
In the case of the first invention, the portable communication terminal of the business operator used for settlement can register the business operator in advance.
Furthermore, even with server-type electronic money, the prepaid card may be lost. Therefore, it is preferable to protect the balance by configuring as in the second invention. And in addition to the case where it is lost by setting the protection amount as in the second invention, for example, the parent temporarily lends a prepaid card to the child, and the usage upper limit is set from the parent prepaid card Law is also possible.

A third invention is a prepaid electronic money settlement system that stores a balance of electronic money in a server, wherein the prepaid electronic money settlement system stores a communication terminal ID that uniquely identifies a portable communication terminal. A card information storage unit for storing at least a terminal information storage unit, card identification information for uniquely identifying a user of electronic money, authentication information, a balance, attribute information of the user, and code information in which a URL is encoded And an operator information storage unit for storing at least an operator ID for identifying an operator who uses the portable communication terminal and a password, and an input of the operator ID and password from a portable communication terminal for registration. The operator is registered in advance by referring to the operator information storage unit on the basis of the means for receiving the information and the operator ID and password. Means for authenticating whether it is an authorized business operator, means for receiving at least an e-mail address of the portable communication terminal from the portable communication terminal when the authentication is normally performed, and communication of the portable communication terminal A means for transmitting an e-mail including a URL to a website for acquiring a terminal ID to the e-mail address, and a communication terminal of the portable communication terminal upon accepting access to the website of the URL Means for acquiring an ID and storing it in the communication terminal information storage unit; and receiving attribute information from a portable terminal used by the user and storing the attribute information in the card information storage unit; Is generated, code information including the assigned card identification information is generated, and the card identification information and the code information are associated with the attribute information. Is stored in the card information storage unit, the code information stored in the card information storage unit is transmitted to the portable terminal, and read by a code reader provided in the portable communication terminal. , Means for accepting access to a URL by code information displayed on the portable terminal of the user and displaying the website of the URL on the portable communication terminal; and communication acquired from the portable communication terminal By referring to the communication terminal information storage unit based on the terminal ID, the means for authenticating whether the portable communication terminal is a pre-registered terminal, and the settlement amount input to the portable communication terminal, Means for receiving from the portable communication terminal; and authentication information input to the portable communication terminal received from the portable communication terminal, and based on the authentication information The portable communication terminal refers to the means for authenticating the user of the electronic money by referring to the card information storage unit, and the balance stored in the card information storage unit when each authentication is performed normally. And a means for performing a settlement process by subtracting the settlement amount received from the prepaid electronic money settlement system.
According to a fourth aspect of the present invention, there is provided a prepaid electronic money settlement system for storing a balance of electronic money in a server, wherein the prepaid electronic money settlement system stores a communication terminal ID for uniquely identifying a portable communication terminal. A communication terminal information storage unit, card identification information for uniquely identifying a user of electronic money, authentication information, a balance, a protection amount , the attribute information of the user, and code information in which a URL is encoded. And receiving attribute information from the portable terminal used by the user and storing the attribute information in the card information storage unit, assigning card identification information to the user, and assigning the assigned card identification information A code information including the card identification information and the code information stored in the card information storage unit in association with the attribute information; And the means for transmitting the code information stored in the card information storage unit to the portable terminal, and the code reading device provided in the portable communication terminal for display on the portable terminal of the user Means for accepting access to the URL by the code information being stored and displaying the website of the URL on the portable communication terminal, and the communication terminal information storage based on the communication terminal ID acquired from the portable communication terminal Means for authenticating whether the portable communication terminal is a pre-registered terminal by referring to the unit, and means for receiving the payment amount input to the portable communication terminal from the portable communication terminal; By receiving the authentication information input to the portable communication terminal from the portable communication terminal and referring to the card information storage unit based on the authentication information Payment by subtracting the payment amount received from the portable communication terminal from the means for authenticating the user of the electronic money and the balance stored in the card information storage unit when each authentication is successful Processing means, and during the payment process, the balance corresponding to the card identification information and the protection amount are extracted from the card information storage unit, the protection amount is subtracted from the balance, The subtraction result is compared with the settlement amount. If the settlement amount is larger than the subtraction result, a settlement error is notified. If the settlement amount is not larger than the subtraction result, the settlement amount is calculated from the balance. This is a prepaid electronic money payment system that performs payment processing by subtracting the amount of money.

  In the above-mentioned invention, it can also be configured as follows. In other words, the URL includes the card identification information, and a configuration such as a prepaid electronic money settlement system that determines the card identification information by accepting access to the website of the URL is also possible. I can do it.

  Since the card identification information is included in the URL to the website as in the present invention, the input of the card identification information of the prepaid card can be omitted. This improves convenience.

The prepaid card of each invention described above can also be used for settlement at a real store. That is, the prepaid electronic money settlement system, further from the POS cash register provided with a reading device for reading the magnetic stripe or IC chip or al the card identification information provided in the prepaid card, and the read card identification information A means for receiving a payment amount, and a means for extracting a balance corresponding to the card identification information from the card information storage unit and performing a payment process by subtracting the payment amount from the balance. It can also be configured like a money settlement system.
Further, the prepaid electronic money settlement system, further from the POS cash register provided with a reading device from a portable terminal of the user before Symbol electronic money read the card identification information, said read card identification information, payment amount And a means for performing payment processing by extracting a balance corresponding to the card identification information from the card information storage unit and subtracting the payment amount from the balance. It can also be configured as follows.

The prepaid card of each invention described above can also be used for settlement at a store on the Internet. That is, the prepaid electronic money settlement system further said said card identification information more input to the holder of the prepaid card and authentication information, the prepaid card holder computer terminal end or we receive means for utilizing And means for authenticating the holder of the prepaid card by referring to the card information storage unit based on the received card identification information and authentication information, and when the authentication is normally performed, Means for extracting a balance corresponding to card identification information from the card information storage unit and subtracting a payment amount received from a predetermined payment server from the extracted balance to perform a payment process, It can also be configured like a system.
Further, the prepaid electronic money settlement system, further wherein the card identification information and the authentication information and a portable terminal before hear transportable terminal user you use input by the user before asked transportable terminal means for receiving from, by referring to the card information storage section based on the received card identification information and the authentication information, and means for pre-authenticating the user of the hear transportable terminal, wherein the authentication is successful Means for extracting a balance corresponding to the card identification information from the card information storage unit, and performing a payment process by subtracting a payment amount received from a predetermined payment server from the extracted balance. It can also be configured as a prepaid electronic money settlement system.

  The prepaid electronic money settlement system according to the present invention makes it possible to use electronic money outside an actual store, which is difficult to deal with both conventional IC card type and server type electronic money.

  In particular, courier companies that use other than actual stores can make payments as long as they have portable communication terminals that can read barcodes, such as mobile phones. Less than.

In addition to use outside the actual store, the electronic money can also be used at the actual store and the Internet. Furthermore, since it is a server type electronic money, the upper limit balance is not limited to 20,000 yen or 50,000 yen as in the IC card type, but can be set to a high price.

It is an example of the conceptual diagram which shows typically the whole concept of this invention. It is an example of a prepaid card. It is a flowchart which shows an example of the processing process which registers a mobile telephone. It is a flowchart which shows an example of the processing process in the case of Example 1 in the case of performing payment outside a real store. 12 is an example of a flowchart illustrating an example of a processing process in the case of Example 2. 12 is an example of a flowchart illustrating an example of a processing process in the case of Example 3. 10 is an example of a flowchart illustrating an example of a processing process in the case of Example 4; It is a figure which shows typically an example of a provider information storage part. It is a figure which shows an example of a communication terminal information storage part typically. It is a figure which shows an example of a card information storage part typically. It is a figure which shows an example of the hardware constitutions of a server typically. It is a figure which shows an example of a login screen typically. It is a figure which shows typically an example of the temporary registration screen of a mobile telephone. It is a figure which shows typically an example of the email at the time of the main registration of a mobile telephone. It is a figure which shows typically an example of the main registration completion screen of a mobile telephone. It is a figure which shows an example of a reading screen typically. It is a figure which shows an example of a payment operator authentication screen typically. It is a figure which shows an example of a payment confirmation screen typically. It is a figure which shows an example of a payment completion screen typically. It is a figure which shows an example of a payment input screen typically. It is a figure which shows an example of a payment confirmation screen typically. It is a figure which shows an example of a payment completion screen typically. It is a figure which shows typically another example of a card information storage part. It is a figure which shows an example of a protection setting screen typically. It is a figure which shows an example of a TOP screen typically. It is a figure which shows an example of a registration screen typically. It is a figure which shows typically an example of a registration completion email. It is a figure which shows an example of a login screen typically. It is a figure which shows an example of a menu screen typically. It is a figure which shows typically an example of the barcode displayed on the display apparatus of a portable terminal. It is a figure which shows typically an example of the two-dimensional code displayed on the display apparatus of a portable terminal. It is an example of the conceptual diagram which shows typically the whole concept in Example 6. FIG.

  An example of an overall conceptual diagram of a prepaid electronic money settlement system 1 (hereinafter referred to as “settlement system 1”) of the present invention is shown in FIG. FIG. 2 schematically shows an example of the prepaid card 3 purchased by the purchaser used in the payment system 1 of the present invention. FIG. 2A is an example of the front surface of the prepaid card 3, and FIG. 2B is an example of the back surface of the prepaid card 3.

  On the surface of the prepaid card 3, card identification information for uniquely identifying the prepaid card 3 and a URL for accessing a website for performing settlement using the prepaid card 3 including the card identification information are provided. An encoded barcode is displayed. In FIG. 2, the barcode is a two-dimensional barcode (such as a QR code), but it may be a one-dimensional barcode or any other barcode. That is, any information may be used as long as the URL is encoded information (code information).

  On the back surface of the prepaid card 3, the card identification information is recorded on a magnetic stripe, and an initial password used for settlement is displayed. An IC chip may be provided instead of the magnetic stripe or together with the magnetic stripe, and the card identification information may be stored in the IC chip. The initial password is a password used for settlement, and can be changed by the purchaser of the prepaid card 3 by a predetermined method. Further, the initial password is preferably concealed by a peelable material, and the password can be configured to be exposed when the purchaser peels the material.

  The settlement system 1 of the present invention performs a portable communication terminal 4 that reads a bar code displayed on a prepaid card 3, a POS register 5 that includes a reading device that reads a magnetic stripe or IC chip of the prepaid card 3, or performs electronic commerce. This is realized by a computer terminal 6 used in some cases and a server 2 capable of transmitting and receiving data via a network such as the Internet. Although FIG. 1 shows a case where there is one server 2, a plurality of servers may be provided.

  The server 2 includes an arithmetic device 20 such as a CPU that executes program arithmetic processing, a storage device 21 such as a RAM and a hard disk for storing information, processing results of the arithmetic device 20 and information stored in the storage device 21 on the Internet. And at least a communication device 24 that transmits and receives via a network such as a LAN. Each function (each means) realized on the server 2 is executed when a means (program, module, etc.) for executing the process is read into the arithmetic unit 20. When using the information stored in the storage device 21 in the processing, each function reads the corresponding information from the storage device 21 and uses the read information for processing in the arithmetic device 20 as appropriate. Further, the server 2 or the like may further include a display device 22 such as a display and an input device 23 such as a keyboard, a mouse, or a numeric keypad. FIG. 11 schematically shows an example of the hardware configuration of the server 2.

  Each means in the present invention is only logically distinguished in function, and may be physically or practically the same area. The server 2 may be a single unit, or the functions may be distributed to a plurality of servers 2. Further, although not shown, the server 2 is a predetermined e-mail server for sending and receiving e-mails, a web server serving as an interface for sending screens to terminals such as the portable communication terminal 4, and a POS register 5. When communicating with the computer 6, a server having a predetermined function such as a server having a function of controlling the communication is also used.

  Below, the processing process is demonstrated according to the usage condition of the payment system 1 of this invention.

  A person who desires to use the settlement system 1 of the present invention purchases the prepaid card 3 to which a predetermined amount is given by performing a predetermined procedure at a predetermined store or the Internet. The prepaid card 3 displays card identification information for uniquely identifying the prepaid card 3 as described above, and also includes a website for making a payment using the prepaid card 3 including the card identification information. A bar code obtained by encoding a URL for access is displayed.

  In the server 2, the card identification information, a predetermined initial password, and a balance are associated with each other and provided as the card information storage unit 9. An example of the card information storage unit 9 is shown in FIG.

  Further, the server 2 is provided with an operator information storage unit 7 that associates an operator ID for identifying an operator that makes payment using the payment system 1 of the present invention and a password. An example of the provider information storage unit 7 is shown in FIG.

  In addition, the server 2 reads the barcode displayed on the prepaid card 3 and obtains a portable communication terminal 4 for use by the operator for payment and a communication terminal ID for uniquely identifying the portable communication terminal 4. Correspondingly, the communication terminal information storage unit 8 is provided. An example of the communication terminal information storage unit 8 is shown in FIG.

  Each of these information storage units may be provided in different servers 2 such as a database server, but may be provided in one server 2. Each information storage unit is preferably a database or a data file, but may store data in other formats. In addition, each information storage unit does not store data as one database or data file, but one information storage unit may be configured by a plurality of databases and data files.

  When the user changes the initial password displayed on the prepaid card 3, the user accesses a predetermined website from the computer terminal 6 used by the user by a predetermined method, and performs password change processing there. Thus, the new password is stored in the card information storage unit 9. For example, by accessing a predetermined website and inputting the card identification information, the current personal identification number (initial personal identification number) and the new personal identification number, the server 2 accepts the information, and the card identification information and the current personal identification number are received. If it is correct after authentication with the password, the card information storage unit 9 stores a new password in association with the card identification information.

  In the present embodiment, a case will be described in which the settlement system 1 of the present invention is used most effectively and performs settlement at a store other than an actual store. Payments at non-stores include cash-on-delivery payments such as home delivery and mail, payments at service providers such as nursing care providers and visiting services. That is, it is a case of payment at a store other than the actual store where the POS register 5 or the like is not installed.

  In the following description, a case of settlement at a delivery destination by a delivery company will be described. In the following embodiments, the case where a portable telephone is used as the portable communication terminal 4 will be described. However, the same processing can be realized even with a PHS, a PDA, or the like. In addition, the portable communication terminal 4 is provided with a device capable of reading a barcode written on the prepaid card 3, for example, an imaging device.

  First, a delivery company that receives payment using the payment system 1 of the present invention performs a process of registering in advance a mobile phone used for payment. An example of the processing is shown in the flowchart of FIG.

  First, the person in charge of the home delivery company performs a predetermined operation on the mobile phone, thereby accessing the server 2 and accessing a website for registering the mobile phone. Then, a settlement operator ID for identifying the settlement operator assigned in advance to the home delivery company and its password are input. An example of this login screen is schematically shown in FIG.

  The settlement operator ID and password input here are transmitted from the mobile phone to the server 2, and the server 2 that has received the password performs authentication processing of the settlement operator by referring to the provider information storage unit 7. Perform (S100).

  When the authentication is normally performed, the server 2 transmits a temporary registration screen to the mobile phone, and the mobile phone displays it. FIG. 13 schematically shows an example of the temporary registration screen. Here, the person in charge inputs the e-mail address of the mobile phone to be registered and the password given in advance to the settlement operator. The e-mail address and password input here are transmitted from the mobile phone to the server 2, and the server 2 that receives the e-mail performs authentication by referring to the provider information storage unit 7, and the authentication is successful. If done, the e-mail address of the mobile phone is stored in the communication terminal information storage unit 8. This storage is provisional registration processing for the mobile phone (S110).

  When the e-mail address of the mobile phone is registered in the communication terminal information storage unit 8, the server 2 transmits an e-mail for performing the main registration to the e-mail address. An example of this e-mail is shown in FIG.

  This e-mail preferably contains a URL for obtaining a communication terminal ID (individual identification information of the mobile phone) of the mobile phone for performing the main registration. This URL is preferably a URL uniquely assigned to each mobile phone. This URL is associated with an e-mail address.

  When the e-mail is received by the mobile phone, the URL of the URL is accessed by selecting the URL described in the e-mail. By accessing this website, individual identification information of the mobile phone, for example, individual identification information such as a SIM card provided in the mobile phone is transmitted from the mobile phone to the server 2 and received by the server 2.

  In the server 2, the received individual identification information is stored as a communication terminal ID in association with the e-mail address stored in the communication terminal information storage unit 8. As a result, the mobile phone is permanently registered (S120).

  The URL of the website accessed from the mobile phone is unique as described above, and the URL is associated with the e-mail address. Therefore, the individual identification information (communication terminal ID) acquired from the mobile phone is associated with the URL. Can be stored in the communication terminal information storage unit 8 in association with the e-mail address.

  After the main registration process of the mobile phone is completed as described above, the server 2 transmits a main registration completion screen as shown in FIG. 15 and displays it on the mobile phone to complete the registration process of the mobile phone. To do.

  Next, a processing process in the case where the home delivery company performs payment such as cash on delivery using the mobile phone registered in the above-described processing will be described. An example of the processing process is shown in the flowchart of FIG.

  When the courier company delivers the package to the recipient (user) of the package and settles the price, the bar code reader displayed on the prepaid card 3 presented by the user as the recipient is The image is read by the registered mobile phone imaging device possessed by the delivery service provider (S200).

  Then, since the barcode includes the URL for accessing the payment website including the card identification information of the prepaid card 3, a reading screen as shown in FIG. 16 is displayed.

  Then, by accessing the read website from the mobile phone (S210), the server 2 acquires the individual identification information (communication terminal ID) of the mobile phone, and the communication terminal stored in the communication terminal information storage unit 8 It is authenticated whether it is an ID (S220).

  If the authentication is successful, the server 2 transmits the settlement operator authentication screen shown in FIG. 17 to the mobile phone, and prompts for the input of the settlement amount and the settlement operator password. The settlement operator authentication screen preferably includes card identification information read from the barcode, a carrier name identified from the communication terminal ID, and the like.

  The delivery person of the delivery company inputs the payment amount and the password on the payment company authentication screen, and transmits them to the server 2 (S230). When the server 2 receives the payment amount and password input here, the server 2 performs authentication by collating with the password stored in the provider information storage unit 7 (S240).

  When the authentication is successful, the server 2 transmits the settlement confirmation screen shown in FIG. 18 to the mobile phone, and the screen is displayed. On this settlement confirmation screen, the card identification information read from the barcode, the business name, the settlement amount input in S230, and the like are displayed. Then, on the payment confirmation screen, the recipient who is the user inputs the personal identification number (or the changed personal identification number) written in the prepaid card 3 into the mobile phone (S250).

  The password entered in S250 is transmitted from the mobile phone to the server 2 and received by the server 2. The server 2 authenticates the input personal identification number and the card identification information of the prepaid card 3 by referring to the card information storage unit 9 (S260). If the authentication is successful, the payment amount is subtracted from the balance of the card identification information stored in the card information storage unit 9 to be updated as a new balance, which is then stored in the card information storage unit 9. Store (S270). In addition, the settlement amount is updated by adding the settlement amount as the balance of the delivery company that is the settlement company. As a result, the settlement amount is delivered from the recipient to the delivery company.

  If the balance is insufficient even when the authentication is successful, that is, the balance corresponding to the card identification information in the card information storage unit 9 is compared with the settlement amount, and the settlement amount is larger than the balance. The server 2 notifies the mobile phone that the balance is insufficient, thereby notifying that payment cannot be made due to insufficient balance.

  If the payment is normally completed as described above, the server 2 transmits the payment completion screen shown in FIG. 19 to the mobile phone and displays it. In this settlement completion screen, card identification information, business name, settlement amount, settlement date and time are preferably displayed.

  By executing the processing as described above, the prepaid electronic money payment system 1 can be used even when payment is made at a store other than an actual store, such as cash on delivery at a home delivery company. Note that the same processing as described above may be performed by using the POS cash register 5 instead of the mobile phone at the time of settlement at the actual store.

  Next, a case where payment is made at an actual store using the prepaid card 3 will be described. An example of this processing process will be described with reference to the flowchart of FIG.

  First, a user who purchases a product or the like at an actual store passes the purchased product or the like to the store clerk, and calculates the settlement amount at the POS register 5 as usual (S300). At the time of settlement, the user presents the prepaid card 3.

  The store clerk who has received the prepaid card 3 reads the magnetic tape by passing the prepaid card 3 through a reading device provided in the POS register 5 or the like (S310).

  The reading device reads the card identification information recorded on the magnetic tape of the prepaid card 3 and performs a predetermined operation on the read card identification information and the payment amount at the POS cash register 5 (for example, a button indicating “settlement”). By pressing the key, the card identification information and the payment amount are transmitted to the server 2 (S320).

  When the server 2 receives the card identification information and the payment amount, the server 2 searches the balance stored in the card information storage unit 9 based on the card identification information, and subtracts the payment amount from the balance if the payment amount is less than the balance. Then, it is updated and stored with a new balance. If the settlement amount is larger than the balance, the server 2 notifies the POS register 5 of an error indicating that the balance is insufficient (S330).

  The store clerk tells the user that the balance is insufficient. If the user does not make a payment with the prepaid card 3, the process is stopped, and a payment is made in cash, for example. Further, if the user settles the balance with the prepaid card 3 and the shortage amount is another alternative means, for example, cash settlement, the store clerk inputs the balance amount to the POS register 5 as the settlement amount, By transmitting it to the server 2, the balance corresponding to the card identification information stored in the card information storage unit 9 of the server 2 is updated to “0” and stored. The shortage is settled in cash.

  By performing the payment process as described above, the payment can be made at the POS cash register 5 even if the prepaid card 3 according to the present invention is used.

  Next, a case where payment is made on the Internet using the prepaid card 3 according to the present invention will be described. An example of the processing process in this case is shown in the flowchart of FIG.

  For example, a user who purchases a product or the like at a store on the Internet (net store) operates the computer terminal 6 that he / she operates to display a settlement input screen as shown in FIG. 20 on the computer terminal 6. (S400).

  This payment input screen displays a payment amount, a business name, and the like. The payment amount, the business name, and the like are the total amount of products purchased in the payment processing of the online store that the user is accessing from the computer terminal 6, and the business name is the operator or store of the online store. The name etc. are displayed.

  The user inputs the card identification information of the prepaid card 3 and the personal identification number written on the prepaid card 3 (the personal identification number after the change if changed) on the payment input screen, and transmits it (S410). . The card identification information and the password are transmitted from the computer terminal 6 of the user to the server 2 (S420) and received by the server 2.

  The server 2 authenticates the card identification information and the password by referring to the card information storage unit 9 using the received card identification information and the password (S430). If the authentication is successful, a payment confirmation screen as shown in FIG. 21 is transmitted to the user's computer terminal 6. If the payment amount is larger than the balance corresponding to the card identification information stored in the card information storage unit 9, the payment cannot be made. Accordingly, a notification such as an error prompting selection of the payment method is sent from the server 2 to the computer terminal 6. Send to.

  The payment confirmation screen contains at least the operator name, store name, payment amount, card identification information, etc. of the payment operator. By pressing a button indicating that the user will make a payment on the payment confirmation screen, etc. These pieces of information are transmitted from the computer terminal 6 to the server 2. In the case of FIG. 21, each information is transmitted from the computer terminal 6 to the server 2 by pressing the “Send” button.

  Receiving these pieces of information, the server 2 subtracts the payment amount from the balance corresponding to the card identification information stored in the card information storage unit 9 and updates a new balance (S440). When the payment can be normally made in this way, the server 2 transmits a payment completion screen shown in FIG. 22 to the computer terminal 6 to display it. As a result, the user knows that the payment has been made normally.

  By performing the processing as described above, it is possible to make a payment on the Internet or the like using the prepaid card 3.

  Next, the case where the balance of the prepaid card 3 is charged will be described. There are various methods for charging, for example, charging at the POS cash register 5 in the actual store. This case will be described below. An example of this processing process will be described with reference to the flowchart of FIG.

  First, the user who charges the balance of the prepaid card 3 tells the store clerk and presents the prepaid card 3. Then, the store clerk performs a predetermined operation at the POS register 5, and the prepaid card 3 is passed through the reading device provided in the POS register 5 to read the magnetic tape (S500).

  The reading device reads the card identification information recorded on the magnetic tape of the prepaid card 3 and performs a predetermined operation on the read card identification information and the amount to be charged at the POS register 5 (for example, a button indicating “charge”) ), The card identification information and the charge amount are transmitted to the server 2 (S510, S520).

  When the server 2 receives the card identification information and the charge amount, the server 2 searches the balance stored in the card information storage unit 9 based on the card identification information, adds the amount to be charged to the balance, Update and store (S530).

  Then, the clerk receives cash or the like corresponding to the charged amount, and the charging process ends.

  By performing the charging process as described above, the balance of the prepaid card 3 in the present invention can be charged.

  Since the payment system 1 of the present invention is server-type electronic money, if the prepaid card 3 is lost, the use can be protected. In this embodiment, such a case will be described. In the case of the present embodiment, the card information storage unit 9 stores information on the amount to be protected in addition to the card identification information, the password, and the balance. An example of the card information storage unit 9 in this case is schematically shown in FIG.

  If the user who owns the prepaid card 3 loses the prepaid card 3 and wishes to protect the balance, the user can carry it from the server 2 by accessing a predetermined website from the mobile phone by a predetermined method. Sends a protection setting screen for setting protection to the phone. An example is shown in FIG. By inputting the card identification information from the mobile phone and transmitting it, the server 2 displays the balance corresponding to the card identification information stored in the card information storage unit 9 and the card identification information on the protection setting screen. Can be displayed. The card information storage unit 9 further stores individual identification information of the mobile phone in association with the card identification information, and when the mobile phone accesses the website, the individual identification information of the mobile phone is stored. By acquiring, the balance and the like can be extracted without inputting card identification information. That is, if the prepaid card 3 is lost, the card identification information may not be known. Therefore, if the mobile phone to be accessed is registered in the card information storage unit 9, the card identification information is unknown. Can also protect its balance.

  When the user inputs the amount to be protected from this screen and transmits it to the server 2 from the mobile phone, the server 2 receiving the information on the amount to be protected associates it with the card identification information in the card information storage unit 9. Information of the amount to be protected is stored.

  Then, when the payment amount is received from the mobile phone, the POS register 5, the computer terminal 6 and the like and the payment processing is performed, the balance corresponding to the card identification information stored in the card information storage unit 9 and the information on the protection amount are extracted, You may comprise so that payment may be performed by subtracting the amount of protection from the balance and comparing the result with the amount of payment.

  That is, the protection amount is subtracted from the current balance, and the result is compared with the settlement amount. If the payment amount is large, the payment cannot be performed, so an error or the like is notified. If not, the payment amount is subtracted from the subtraction result, and the card information storage unit 9 is updated with a new balance.

  When canceling this protection, “0” may be set as the amount of protection.

  With such protection, when the prepaid card 3 is lost, the balance can be protected, or even when the prepaid card 3 is lent to a child for shopping, It is possible to make it possible to use only a certain amount.

  In this embodiment, the amount to be protected is determined by setting the protection amount, but the same can be done by setting the available amount.

  In each of the above-described embodiments, the barcode that encodes the URL for accessing the website for performing payment using the prepaid card 3 including the card identification information and the card identification information on the prepaid card 3 is provided. Although the case where it was displayed was shown, you may implement by displaying the said barcode on portable terminals, such as a mobile telephone, without using the prepaid card 3. FIG. An embodiment in this case will be described below. The portable terminal may be any terminal as long as it can display the barcode, such as a PHS, PDA, mobile computer, etc., in addition to a mobile phone. In addition, although it may be a terminal having the same function as the portable communication terminal used by the business operator, for convenience of explanation, in order to avoid confusion, the payment system 1 is provided by presenting the user (displayed barcode). A terminal used by a person who wishes to settle electronic money by a person who receives a product purchaser or a service provider) and a terminal used by the operator is a portable communication terminal 4 Differentiate the description. A conceptual diagram of this embodiment is shown in FIG.

  When a payment is made by the payment system 1 without using the prepaid card 3, the user of the payment system 1 needs to acquire a barcode by some method. In the case of the present embodiment, use registration is performed by selecting an application from a predetermined TOP screen shown in FIG.

  For example, by accessing the server 2 from a portable terminal, the TOP screen shown in FIG. 25 is displayed on the portable terminal. Then, by selecting an application at the portable terminal, a registration screen is transmitted from the server 2 to the portable terminal, and the portable terminal displays the registration screen. FIG. 26 schematically shows an example of the registration screen.

  When the user forgets the predetermined attribute information on the registration screen, for example, the e-mail address and password on the portable terminal used by the user, the “secret question” and its “answer” are authentication information, and the age of the user Enter the image file of the birth year, gender, address (or part of it) to identify the child, and certificates to prove the age (for example, driver's license, passport, student card, etc.). When the button is pressed, the attribute information input on the registration screen is transmitted from the portable terminal to the server 2.

  In the server 2, when predetermined attribute information is input to the registration screen, identification information for identifying the user (for example, card identification information. Although the prepaid card 3 is not actually issued, the server 2 virtually (Card identification information to be assigned), automatically set initial password, and attribute information received from the portable terminal are stored in the card information storage unit 9. Also, at this time, a barcode that encodes the URL for accessing the website for settlement including the card identification information and the card identification information is generated. And stored in the card information storage unit 9. Accordingly, the card information storage unit 9 may store attribute information in addition to card identification information (prepaid card number), a password, a balance, a settlement history, and the like as shown in FIG.

  The attribute information and the like are stored in the card information storage unit 9, and the server 2 transmits a registration completion e-mail indicating that the registration is completed to the e-mail address in the attribute information. FIG. 27 schematically shows an example of a registration completion e-mail.

  The registration completion e-mail includes card identification information, an initial password, and a URL to the login screen. This URL is different for each user, and the login screen can be accessed by selecting the URL of the registration completion e-mail. The URL includes card identification information or information obtained by encrypting the card identification information. When the user selects the URL and accesses the login screen, the card identification information or the card identification It is preferable that the server 2 automatically displays the card identification information of the user at the input location of the card identification information on the login screen based on the encrypted information.

  As described above, use registration for the payment system 1 is performed. The initial password can be accessed and changed from a portable terminal at an arbitrary timing. The new password at this time is transmitted from the portable terminal 2 to the server 2 and stored in the card information storage unit 9 of the server 2.

  Next, a case where the payment is performed by the payment system 1 after the user has registered for use will be described.

  The user accesses the server 2 by selecting a URL included in the registration completion e-mail received by the portable terminal. By accepting this access, the server 2 displays a login screen in which the card identification information of the user is displayed based on the card identification information included in the URL or information obtained by encrypting the card identification information. , Send to portable terminal. FIG. 28 schematically shows an example of a login screen.

  Then, by entering the initial password (or the current password if the initial password is changed) on the login screen received by the portable terminal, the card identification information and the initial password or the current password are stored in the server 2. And authenticating whether it is the card identification information and the personal identification number stored in the card information storage unit 9 to determine whether or not login is possible.

  When the authentication cannot be normally performed, the server 2 transmits a login screen for performing authentication again to the portable terminal as an error. On the other hand, if the authentication is successful, the server 2 transmits the menu screen shown in FIG. 29 to the portable terminal.

  The menu screen of FIG. 29 is an example, but it is preferable that at least a balance is displayed. Further, the protected amount (protection amount) and the available balance obtained by subtracting the protection amount from the balance may be displayed as shown in the fifth embodiment. In the case of FIG. 29, the balance is “1,098,950 yen”, but “1,000,000 yen” is protected, so the actual amount that can be used is “98,950 yen”. Information such as the balance and the protection amount at this time can be acquired from the card information storage unit 9 based on the card identification information used at the time of login.

  When the menu screen is displayed on the portable terminal, the user displays a barcode encoded with a URL for accessing a website for settlement, including card identification information, from the menu screen. Choose that. When the server 2 receives that this selection has been made, the server 2 preferably displays the barcode associated with the user (the card identification information of the user) stored in the card information storage unit 9, preferably an image. Information is transmitted to the portable terminal as information (still image information when the barcode is static, and moving image information when the barcode is dynamic (when the barcode display changes with time)).

  FIG. 30 shows an example when a one-dimensional code is displayed as a barcode on a portable terminal, and FIG. 31 shows an example when a two-dimensional code is displayed as a barcode on a portable terminal.

  The barcode is preferably transmitted to the portable terminal in an image format. By sending the image in the image format, the image can be saved on the portable terminal. If the saved image is displayed on the display device of the portable terminal, the login screen or the menu screen is displayed each time payment is made. Access can be made unnecessary.

  As described above, when a user makes a payment, the bar code is displayed on the display device of the portable terminal, so that the bar code is assigned to the person in charge of the business operator (for example, the home delivery business operator of the first embodiment). It can be read by an image pickup device of a registered mobile phone possessed by (for example, the delivery person of the first embodiment) and settled by the same process as that of the first embodiment.

  When the bar code is displayed on the display device of the portable terminal as in this embodiment and the prepaid card 3 is not used, the card identification information in the registration completion e-mail, login screen, etc. is used, as in the third embodiment. You can make payments on the Internet. Further, by reading the bar code displayed on the display device of the portable terminal with the POS cash register 5, payment may be made at the actual store as in the first and second embodiments.

  In addition to displaying a barcode on the portable terminal, the card identification information (in some cases a personal identification number) is stored in the storage device of the portable terminal and read by the R / W device provided in the POS register. Payment may be made.

  As described above, in this embodiment, the barcode is displayed on the display device of the portable terminal, the predetermined website is accessed using the barcode, and the settlement is performed. In the case of making a settlement with electronic money using a portable terminal, conventionally, the balance information of the electronic money is stored in a storage device of the portable terminal. Therefore, when changing the portable terminal, the balance information of the electronic money stored in the portable terminal is moved to a predetermined server, and the new portable terminal becomes available. There has been a trouble of moving information from a predetermined server to a new portable terminal. However, in this embodiment, the portable terminal stores only the image information of the barcode, and the balance information of the electronic money is stored in the server 2. Therefore, even when the user changes the portable terminal, it is only necessary to copy the image information of the barcode from the old portable terminal to the new portable terminal. In addition, payment using electronic money can be performed using either an old portable terminal or a new portable terminal. In this way, the payment system 1 that is extremely convenient can be constructed.

  The above-described prepaid electronic money settlement system 1 according to the present invention makes it possible to use electronic money outside an actual store, which is difficult to cope with both conventional IC card type and server type electronic money.

  In particular, courier companies that use other than actual stores can make payments if they have portable communication terminals 4 that can read barcodes, such as mobile phones. Less than before.

In addition to use outside the actual store, the electronic money can also be used at the actual store and the Internet. Furthermore, since it is a server type electronic money, the upper limit balance is not limited to 20,000 yen or 50,000 yen as in the IC card type, but can be set to a high price.

1: Prepaid electronic money settlement system 2: Server 3: Prepaid card 4: Portable communication terminal 5: POS cash register 6: Computer 7: Company information storage unit 8: Communication terminal information storage unit 9: Card information storage unit 20: Arithmetic device 21: Storage device 22: Display device 23: Input device 24: Communication device

Claims (9)

A prepaid electronic money settlement system for storing a balance of electronic money in a server,
The prepaid electronic money settlement system includes:
A communication terminal information storage unit for storing a communication terminal ID for uniquely identifying a portable communication terminal;
A card information storage unit for storing at least card identification information, authentication information, and a balance for uniquely identifying a prepaid card;
A company information storage unit for storing at least a company ID and a password for identifying a company using the portable communication terminal;
Means for accepting input of the provider ID and password from a portable communication terminal for registration;
Means for authenticating whether the operator is a pre-registered operator by referring to the operator information storage unit based on the operator ID and password;
Means for receiving at least an email address of the portable communication terminal from the portable communication terminal when the authentication is normally performed;
Means for transmitting an e-mail including a URL to a website for obtaining a communication terminal ID of the portable communication terminal to the e-mail address;
Means for acquiring a communication terminal ID of the portable communication terminal upon receiving access to the website of the URL, and storing the communication terminal ID in the communication terminal information storage unit;
Means for accepting access to a URL by code information displayed on the prepaid card read by a code reading device provided in the portable communication terminal and displaying a website of the URL on the portable communication terminal When,
Means for authenticating whether the portable communication terminal is a pre-registered terminal by referring to the communication terminal information storage unit based on the communication terminal ID acquired from the portable communication terminal;
Means for receiving the payment amount input to the portable communication terminal from the portable communication terminal;
Means for authenticating the holder of the prepaid card by receiving the authentication information input to the portable communication terminal from the portable communication terminal and referring to the card information storage unit based on the authentication information;
Means for performing a settlement process by subtracting the settlement amount received from the portable communication terminal from the balance stored in the card information storage unit when each authentication is normally performed;
A prepaid electronic money settlement system comprising: A prepaid electronic money settlement system for storing a balance of electronic money in a server,
The prepaid electronic money settlement system includes:
A communication terminal information storage unit for storing a communication terminal ID for uniquely identifying a portable communication terminal;
A card information storage unit for storing at least card identification information, authentication information, a balance, and a protection amount for uniquely identifying a prepaid card;
Means for accepting access to a URL by code information displayed on the prepaid card read by a code reading device provided in the portable communication terminal and displaying a website of the URL on the portable communication terminal When,
Means for authenticating whether the portable communication terminal is a pre-registered terminal by referring to the communication terminal information storage unit based on the communication terminal ID acquired from the portable communication terminal;
Means for receiving the payment amount input to the portable communication terminal from the portable communication terminal;
Means for authenticating the holder of the prepaid card by receiving the authentication information input to the portable communication terminal from the portable communication terminal and referring to the card information storage unit based on the authentication information;
Means for performing a payment process by subtracting the payment amount received from the portable communication terminal from the balance stored in the card information storage unit when each authentication is normally performed ;
During the payment process,
The balance corresponding to the card identification information and the protection amount are extracted from the card information storage unit, the protection amount is subtracted from the balance, the subtraction result is compared with the settlement amount, and the settlement amount is the subtraction result. If it is larger, a payment error is notified,
If the settlement amount is not larger than the subtraction result, the settlement processing is performed by subtracting the settlement amount from the balance.
A prepaid electronic money settlement system characterized by this. A prepaid electronic money settlement system for storing a balance of electronic money in a server,
The prepaid electronic money settlement system includes:
A communication terminal information storage unit for storing a communication terminal ID for uniquely identifying a portable communication terminal;
A card information storage unit for storing at least card identification information for uniquely identifying a user of electronic money, authentication information, a balance, attribute information of the user, and code information obtained by encoding a URL;
A company information storage unit for storing at least a company ID and a password for identifying a company using the portable communication terminal;
Means for accepting input of the provider ID and password from a portable communication terminal for registration;
Means for authenticating whether the operator is a pre-registered operator by referring to the operator information storage unit based on the operator ID and password;
Means for receiving at least an email address of the portable communication terminal from the portable communication terminal when the authentication is normally performed;
Means for transmitting an e-mail including a URL to a website for obtaining a communication terminal ID of the portable communication terminal to the e-mail address;
Means for acquiring a communication terminal ID of the portable communication terminal upon receiving access to the website of the URL, and storing the communication terminal ID in the communication terminal information storage unit;
Receiving attribute information from the portable terminal used by the user and storing it in the card information storage unit, assigning card identification information to the user, generating code information including the assigned card identification information, Means for storing the card identification information and the code information in the card information storage unit in association with the attribute information;
Means for transmitting the code information stored in the card information storage unit to the portable terminal;
The access to the URL by the code information displayed on the portable terminal of the user read by the code reading device provided in the portable communication terminal is accepted, and the website of the URL is transferred to the portable communication terminal. Means for displaying
Means for authenticating whether the portable communication terminal is a pre-registered terminal by referring to the communication terminal information storage unit based on the communication terminal ID acquired from the portable communication terminal;
Means for receiving the payment amount input to the portable communication terminal from the portable communication terminal;
Means for receiving authentication information input to the portable communication terminal from the portable communication terminal and authenticating a user of the electronic money by referring to the card information storage unit based on the authentication information;
Means for performing a settlement process by subtracting the settlement amount received from the portable communication terminal from the balance stored in the card information storage unit when each authentication is normally performed;
A prepaid electronic money settlement system comprising: A prepaid electronic money settlement system for storing a balance of electronic money in a server,
The prepaid electronic money settlement system includes:
A communication terminal information storage unit for storing a communication terminal ID for uniquely identifying a portable communication terminal;
A card information storage unit for storing at least card identification information for uniquely identifying a user of electronic money, authentication information, a balance, a protection amount , the attribute information of the user, and code information in which a URL is encoded;
Receiving attribute information from the portable terminal used by the user and storing it in the card information storage unit, assigning card identification information to the user, generating code information including the assigned card identification information, Means for storing the card identification information and the code information in the card information storage unit in association with the attribute information;
Means for transmitting the code information stored in the card information storage unit to the portable terminal;
The access to the URL by the code information displayed on the portable terminal of the user read by the code reading device provided in the portable communication terminal is accepted, and the website of the URL is transferred to the portable communication terminal. Means for displaying
Means for authenticating whether the portable communication terminal is a pre-registered terminal by referring to the communication terminal information storage unit based on the communication terminal ID acquired from the portable communication terminal;
Means for receiving the payment amount input to the portable communication terminal from the portable communication terminal;
Means for receiving authentication information input to the portable communication terminal from the portable communication terminal and authenticating a user of the electronic money by referring to the card information storage unit based on the authentication information;
Means for performing a payment process by subtracting the payment amount received from the portable communication terminal from the balance stored in the card information storage unit when each authentication is normally performed ;
During the payment process,
The balance corresponding to the card identification information and the protection amount are extracted from the card information storage unit, the protection amount is subtracted from the balance, the subtraction result is compared with the settlement amount, and the settlement amount is the subtraction result. If it is larger, a payment error is notified,
If the settlement amount is not larger than the subtraction result, the settlement processing is performed by subtracting the settlement amount from the balance.
A prepaid electronic money settlement system characterized by this. The URL includes the card identification information,
Determining the card identification information by accepting access to the website of the URL;
The prepaid electronic money settlement system according to any one of claims 1 to 4 . The prepaid electronic money payment system further includes:
From POS cash register provided with a reading device for reading the magnetic stripe or IC chip or al the card identification information provided in the prepaid card, and the read card identification information, means for receiving a payment amount,
Means for performing a payment process by extracting a balance corresponding to the card identification information from the card information storage unit and subtracting the payment amount from the balance;
The prepaid electronic money settlement system according to claim 1 or 2 , characterized by comprising: The prepaid electronic money payment system further includes:
From POS cash register provided with a reading device from a portable terminal of the user before Symbol electronic money read the card identification information, said read card identification information, means for receiving a payment amount,
Means for performing a payment process by extracting a balance corresponding to the card identification information from the card information storage unit and subtracting the payment amount from the balance;
The prepaid electronic money settlement system according to claim 3 or 4 , characterized by comprising: The prepaid electronic money payment system further includes:
The said card identification information more input to the holder of the prepaid card and the authentication information, means for receiving computer terminal end or al the bearer of the prepaid card is available,
Means for authenticating a holder of the prepaid card by referring to the card information storage unit based on the received card identification information and authentication information;
When the authentication is performed normally, the balance corresponding to the card identification information is extracted from the card information storage unit, and the payment amount received from a predetermined payment server is subtracted from the extracted balance. Means for
The prepaid electronic money settlement system according to claim 1 or 2 , characterized by comprising: The prepaid electronic money payment system further includes:
The card identification information and the inputted by the user before asked transportable terminal and authentication information, means for receiving from the preceding hear transportable terminal user portable terminal you use,
By referring to the card information storage section based on the received card identification information and the authentication information, and means for pre-authenticating the user of the hear transportable terminal,
When the authentication is performed normally, the balance corresponding to the card identification information is extracted from the card information storage unit, and the payment amount received from a predetermined payment server is subtracted from the extracted balance. Means for
The prepaid electronic money settlement system according to claim 3 or 4 , characterized by comprising :

Images