JP6096150B2 - Payment server, payment system, and program - Google Patents

Description

  The present invention relates to a settlement server, a settlement system, and a program, and more particularly, to a settlement server, a settlement system, and a program that perform settlement of billing information issued by a company.

  Conventionally, a mobile terminal device that receives payment information and displays a code pattern, a payment server that holds the payment information and transmits the payment information to the mobile terminal device, reads the code pattern, and based on the read code pattern A settlement system is known in which settlement is performed by a settlement apparatus that decrypts settlement information and displays a billed amount (Patent Document 1). The payment system includes a payment information transmitting unit that reads target payment information from held payment information based on payment request information transmitted from the mobile terminal device, and transmits the payment information to the mobile terminal device; and the payment information transmission unit Payment information acquisition means for acquiring the payment information transmitted by the code, code conversion means for converting the payment information acquired by the payment information acquisition means into code information defining a code pattern, and code information converted by the code conversion means Only based on the pattern display means for displaying the code pattern, the payment information decoding means for reading the code pattern displayed by the pattern display means and decoding the payment information, and the payment information decoded by the payment information decoding means. And a monetary amount display means for calculating and displaying a billing amount in the settlement.

Japanese Patent No. 3494613

  However, in the technique described in Patent Document 1, the payment request information is transmitted from the mobile terminal device for each piece of payment information, and the code information is displayed by converting the payment information acquired from the payment server into code information. Therefore, when there is a request for payment from a plurality of companies, it is necessary to obtain settlement information one by one and convert the code, and there is a problem that convenience is low.

  The present invention has been made to solve the above-described problems, and even when there is a payment request from a plurality of companies, a payment server that can easily make payment using a portable information terminal, It is an object to provide a settlement system and a program.

To achieve the above object, the settlement server according to the first invention stores user information including a service ID, a password, and an application ID registered for each mobile information terminal of the user in association with the user ID. Customer identification that accepts input of customer identification information for identifying the user on the enterprise side together with the service ID and password of the user from each user side that issued the user information storage means and the payment request information The user information including the service ID and the password stored in the user information storage unit and input together with the customer identification information, the information identifying unit and the customer identification information received by the customer identification information receiving unit Customer information registration means for registering to the user, and from each company side, the payment request information for the user and the customer identification information of the user Billing information receiving means for receiving an input; first user ID searching means for searching for a user ID corresponding to the customer identification information received by the billing information receiving means from the user information storage means; Billing management information registration for creating billing management information in which the user ID retrieved by the user ID retrieving unit is associated with the payment billing information received by the billing information receiving unit and registering in the billing management information storage unit Means, authentication information receiving means for receiving service ID, password, and application ID as authentication information from the portable information terminal, the authentication information received by the authentication information receiving means, and the user information storage means. When the authentication is successful by the authentication means that verifies the user information and performs authentication, The authentication result information including the user ID associated with the user information is transmitted to the portable information terminal, and the user ID is included from the portable information terminal successfully authenticated by the authentication unit. Upon receipt of the billing information list request, the billing management information retrieval unit that retrieves all the billing management information corresponding to the user ID from the billing management information storage unit, and each bill retrieved by the billing management information retrieval unit Payment request information transmitting means for transmitting the payment request information included in the management information to the portable information terminal, and at least of the payment request information included in each bill management information searched by the claim management information search means A billing information designation accepting means for accepting one designation.

A program according to a second aspect of the invention includes a computer including user information storage means that stores user information including a service ID, a password, and an application ID registered for each portable information terminal of the user in association with the user ID. Customer identification information accepting means for accepting input of customer identification information for identifying the user at the enterprise side together with the service ID and password of the user from each enterprise side issuing the payment request information, Customer information registration means for registering the customer identification information received by the identification information receiving means in the user information stored in the user information storage means and including the service ID and password input together with the customer identification information Receiving the payment request information for the user and the customer identification information of the user from each company side. Billing information receiving means, first user ID searching means for searching the user information storage means for a user ID corresponding to the customer identification information received by the billing information receiving means, and the first user ID search. Billing management information registering means for creating billing management information in which the user ID retrieved by the means is associated with the billing information received by the billing information receiving means, and registering the billing management information in the billing management information storage means; Authentication information receiving means for receiving service ID, password, and application ID as authentication information from the information terminal, the authentication information received by the authentication information receiving means, and the user information stored in the user information storage means Authentication means for performing authentication, and when authentication is successful by the authentication means, it is associated with the user information. When receiving a request information list request including the user ID from the authentication information transmitting means for transmitting the authentication result information including the user ID to the mobile information terminal, and the mobile information terminal successfully authenticated by the authentication means, The billing management information retrieval unit that retrieves all the billing management information corresponding to the user ID from the billing management information storage unit, and the billing information included in each billing management information retrieved by the billing management information retrieval unit Payment request information transmission means for transmitting to the portable information terminal, and payment request information designation reception for accepting designation of at least one of the payment bill information included in each bill management information retrieved by the bill management information retrieval means It is a program for functioning as a means.

According to the first and second inventions, the customer identification information receiving means identifies the user on the company side together with the service ID and password of the user from each company issuing the billing information. To receive customer identification information for use. The customer identification information received by the customer identification information receiving means by the customer information registration means is stored in the user information storage means and includes the service ID and password input together with the customer identification information Register for information.

  And the input of the said billing information with respect to the said user and the said customer identification information of the said user is received from each company side by a billing information reception means. The first user ID search means searches the user information storage means for a user ID corresponding to the customer identification information received by the billing information reception means. Claim management information is created by associating the user ID searched by the first user ID search means with the payment charge information received by the charge information reception means by the charge management information registration means, Register in the information storage means.

  Then, a service ID, a password, and an application ID are received as authentication information from the portable information terminal by the authentication information receiving means. Authentication is performed by comparing the authentication information received by the authentication information receiving means with the user information stored in the user information storage means. When the authentication result is successfully authenticated by the authentication means, the authentication result information including the user ID associated with the user information is transmitted to the portable information terminal.

  Then, when a billing information list request including the user ID is received from the portable information terminal that has been successfully authenticated by the authenticating unit by the billing management information search unit, the billing management information corresponding to the user ID is All are searched from the billing management information storage means. The payment request information transmitting means transmits the payment request information included in each of the charge management information searched by the charge management information search means to the portable information terminal.

  Then, the billing information designation accepting unit accepts designation of at least one of the billing information included in each billing management information searched by the billing management information searching unit.

  Thus, even when there is a payment request from a plurality of companies, payment can be easily performed using the portable information terminal.

  A payment system according to a third invention includes the payment server according to the first invention, authentication information transmitting means for transmitting the service ID, password, and application ID of the terminal as authentication information to the payment server, the payment server Authentication result receiving means for receiving the authentication result information for the authentication information, and when authentication by the authentication information is successful, a billing information list request including the user ID included in the authentication result information is sent to the settlement server A list request transmitting means for transmitting, a payment request information receiving means for receiving each of the payment request information transmitted from the settlement server in response to the request information list request, and the payment request received by the payment request information receiving means Portable information including designation transmitting means for transmitting at least one designation of each piece of information to the settlement server It is configured to include end and, a.

  The program of the present invention can be provided by being stored in a storage medium.

  As described above, according to the settlement server, the settlement system, and the program of the present invention, even when there is a payment request from a plurality of companies, payment can be easily performed using the portable information terminal. The effect of is obtained.

It is the schematic which shows the structure of the payment system which concerns on the 1st reference example of this invention. It is a block diagram which shows the structure of the portable information terminal of the payment system which concerns on the 1st reference example of this invention. It is a block diagram which shows the structure of the barcode center side server of the payment system which concerns on the 1st reference example of this invention. It is a figure for demonstrating the outline | summary of the process from initial setting to payment completion. It is a figure which shows an example of barcode information. It is a flowchart which shows the content of the claim information registration processing routine of the barcode center side server which concerns on the 1st reference example of this invention. It is an image figure which shows a mode that billing information is registered from several companies. It is a flowchart which shows the content of the charge information display process routine of the portable information terminal which concerns on the 1st reference example of this invention. It is a flowchart which shows the content of the claim information provision process routine of the barcode center side server which concerns on the 1st reference example of this invention. It is an image figure which shows a mode that a display status is updated. It is an image figure which shows a mode that the barcode and the detailed information were displayed on the display part of the portable information terminal. It is a flowchart which shows the content of the processing routine at the time of the real time notification of the barcode center side server which concerns on the 1st reference example of this invention. It is a figure which shows the outline | summary of the process from an alarm setting to an alarm resonance. It is a figure which shows the outline | summary of the process of the payment system which concerns on the 2nd reference example of this invention. It is a figure which shows the outline | summary of the process of the payment system which concerns on the 3rd reference example of this invention. It is a figure which shows the outline | summary of the process from the alarm setting to an alarm resonance in the payment system which concerns on the 4th reference example of this invention. It is the schematic which shows the structure of the payment system which concerns on the 1st Embodiment of this invention. It is a block diagram which shows the structure of the portable information terminal of the payment system which concerns on the 1st Embodiment of this invention. It is a flowchart which shows the content of the charge information display processing routine of the portable information terminal which concerns on the 1st Embodiment of this invention. It is a flowchart which shows the content of the claim information provision process routine of the center side server which concerns on the 1st Embodiment of this invention. It is a flowchart which shows the content of the processing routine at the time of the real time notification of the center side server which concerns on the 1st Embodiment of this invention.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings.

  As shown in FIG. 1, a payment system 10 according to a first reference example includes a mobile information terminal 12 operated by a user, and a Web server 14 that provides a site for distributing application software installed on the mobile information terminal 12. , A bar code center server 16, a company side terminal 18 installed on the company side, a convenience store facility 20 installed in a convenience store, and a network server 22. The barcode center side server 16 is an example of a payment server.

  The portable information terminal 12, the Web server 14, the barcode center side server 16, and the company side terminal 18 are connected via a network 24 such as the Internet. The network server 22 and the convenience store facility 20 are connected via a line 26, and the bar code center side server 16 and the network server 22 are connected via a network 28 such as a LAN. .

  The convenience store facility 20 includes a barcode reader 32, a POS register 34, and a payment controller 36.

  The barcode reader 32 is connected to the POS register 34 in advance, for example, irradiates a barcode pattern with LED (Light Emitting Diode) light as a light source, and receives the reflected light with a CCD (Charge Coupled Device) image sensor. As a result, the barcode pattern information is acquired. Then, the obtained barcode pattern information is decoded by the decoding circuit into barcode information including the payment amount, and the decoded barcode information is supplied to the connected POS register 34.

  A POS (Point Of Sales) register 34 is a terminal for managing point-of-sale information provided in the convenience store facility 20, and displays the payment amount acquired through the connected barcode reader 32. When payment is made from the user, a stored notification including barcode information is supplied to the settlement controller 36.

  The settlement controller 36 includes a predetermined store controller and the like, and is connected to the network server 22 via the line 26. The settlement controller 36 supplies the stored notification including the barcode information sent from the POS register 34 to the network server 22 in real time.

  The network server 22 notifies the enterprise side of the stored notification notified from the settlement controller 36 and also notifies the barcode center side server 16 in real time.

  The portable information terminal 12 includes a mobile phone, a PDA (Personal Digital Assistants) terminal, or a notebook / book computer terminal. The portable information terminal 12 will be described below using a smartphone as an example. As shown in FIG. 2, the portable information terminal 12 includes a communication unit 40, a control unit 42, and a display unit 44.

  The communication unit 40 performs communication via the network 24. The display unit 44 includes, for example, a touch panel display, and not only displays a predetermined menu screen but also displays a predetermined barcode pattern according to barcode information described later. In addition, the display unit 44 inputs instruction information from the user. For example, an ID, a password, and the like are input in accordance with a user operation on the display unit 44.

  The control unit 42 includes a computer having a CPU, a ROM, a RAM, and an HDD. The billing information display processing routine, which will be described later, is downloaded from the site provided by the Web server 14 and installed in the HDD. Application software including is stored. The control unit 42 is functionally configured as follows. The control unit 42 includes a registration setting unit 46, a billing history display control unit 48, a barcode display control unit 50, and an alarm resonance unit 52.

  The registration setting unit 46 performs initial registration (password registration) with respect to the barcode center side server 16 and sets the service ID and application ID given from the barcode center side server 16 in the own terminal.

  The billing history display control unit 48 performs authentication using the service ID, password, and application ID, acquires billing information or payment history information from the bar code center side server 16, and displays a list of billing information or payment history information This is displayed on the unit 44.

  The barcode display control unit 50 converts the barcode information included in the billing information acquired from the barcode center side server 16 into a barcode, and displays the barcode on the display unit 44.

  The alarm resonance unit 52 transmits the alarm setting information to the barcode center side server 16 and alarms using a speaker (not shown) or the display unit 44 according to the alarm activation notification notified from the barcode center side server 16. Resonate.

  The company side terminal 18 is a computer installed on each company side that issues payment request information, accesses a site provided by the bar code center side server 16, and pays to the company by the operation of the operator. Register user information of users.

  Further, the company side terminal 18 accesses a site provided by the barcode center side server 16 and registers billing information for the user by the operation of the operator.

  The bar code center side server 16 is composed of a computer having a CPU, a ROM, a RAM, and an HDD. The HDD includes a billing information registration processing routine, a billing information provision processing routine, and a real-time notification processing routine described later. A program for each of these is stored.

  The bar code center server 16 is functionally configured as follows. As illustrated in FIG. 3, the barcode center side server 16 includes a communication unit 56, a line communication unit 58, and a control unit 60. The control unit 60 includes a company-side information reception unit 62, a terminal-side information reception unit 64, a user information registration unit 66, a user information database 68, an alarm registration unit 70, a customer information registration unit 72, a billing information registration unit 74, a billing Information database 76, billing management information registration unit 78, billing management information database 80, inquiry management unit 82, authentication unit 84, search unit 86, alarm management unit 88, real-time notification reception unit 90, notification time search unit 92, and stored An update unit 94 is provided.

  The company-side information receiving unit 62 receives information or a request transmitted from the company-side terminal 18 received by the communication unit 56. The terminal side information receiving unit 64 receives the information or request transmitted from the portable information terminal 12 received by the communication unit 56.

  The user information registration unit 66 uses a service ID and an application ID for initial setting information (password) transmitted from the mobile information terminal 12 when application software from the Web server 14 is installed in the mobile information terminal 12. And a user ID are registered and registered in the user information database 68 as user information.

  The alarm registration unit 70 registers the alarm date and time for the billing information due date transmitted from the mobile information terminal 12 in the corresponding user information in the user information database 68.

  The customer information registration unit 72 searches for the corresponding user information in the user information database 68 based on the service ID and password of the user transmitted from the company side terminal 18, and is transmitted to the user information. Registered customer numbers.

  The billing information registration unit 74 registers billing information (customer number, amount, product, barcode information, etc.) transmitted from the company terminal 18 in the billing information database 76.

  The billing management information registration unit 78 obtains the corresponding user information in the user information database 68 based on the customer number of the billing information (customer number, price, product, barcode information, etc.) registered in the billing information database 76. Search is performed, billing management information in which the user ID of the user information is associated with the billing information is created and registered in the billing management information database 80. In addition, the billing management information registration unit 78 creates alarm information including a user ID, a customer number, barcode information, and an alarm date when the alarm date and time is set in the corresponding user information, and billing management is performed. Register in the information database 80.

  The inquiry management unit 82 acquires the corresponding billing information status from the billing management information database 80 based on the billing information status confirmation request transmitted from the company-side terminal 18, and acquires the billing information acquired from the company-side terminal 18. The status is transmitted by the communication unit 56.

  The authentication unit 84 performs authentication by comparing the service ID, password, and application ID of the user transmitted from the portable information terminal 12 with the user information in the user information database 68, and the portable information terminal 12, the communication unit 56 transmits the authentication result.

  Based on the billing information list request including the user ID transmitted from the portable information terminal 12, the search unit 86 is the corresponding billing management information from the billing management information database 80, and the billing information status is “unread” The billing management information of “storage” is searched, and the search result is transmitted to the portable information terminal 12 by the communication unit 56.

  Further, the search unit 86 searches for the corresponding bill management information from the bill management information database 80 based on the barcode request including the bill ID transmitted from the portable information terminal 12, and the billing status is “not stored”. And confirms the confirmation result to the portable information terminal 12 by the communication unit 56.

  When the alarm management unit 88 searches the billing management information database 80 for alarm information whose current time corresponds to the alarm date and time, and when the corresponding alarm information is searched, the corresponding mobile information terminal 12 is searched based on the alarm information. The alarm activation notification is transmitted by the communication unit 56.

  The real-time notification receiving unit 90 receives the stored notification transmitted from the network server 22 received by the line communication unit 58.

  The notification search unit 92 searches the billing management information database 80 for billing management information corresponding to the stored notification received by the real-time notification receiving unit 90. The stored update unit 94 updates the charge status of the charge management information searched by the notification time search unit 92 to “stored”.

  Next, the operation of the payment system 10 according to the first reference example will be described.

  First, when the user operates the portable information terminal 12 to download application software from the Web server 14 and install it on the portable information terminal 12, an initial setting screen is displayed on the display unit 44 of the portable information terminal 12. . When the user operates the portable information terminal 12 and inputs a password, the initial setting information (service ID (blank), password, and application ID (blank)) is received from the portable information terminal 12 on the barcode center side server. 16 (see (1) in FIG. 4).

  The barcode center side server 16 searches the user information database 68 for the application ID of the received initial setting information. If it does not exist, the service ID, the application ID, and the user ID are assigned, and the service ID, password The user information including the user ID and the application ID is registered in the user information database 68 (see (2) in FIG. 4).

  Then, the service ID and the application ID given from the barcode center side server 16 are transmitted to the portable information terminal 12 (see (3) in FIG. 4), and the transmitted service information is transmitted from the portable information terminal 12. ID and application ID are set in the own terminal (see (4) in FIG. 4).

  The user notifies the contracted company of the service ID and password in order to use the barcode payment service using the application software. Further, when the user performs alarm setting, when the user operates the portable information terminal 12 and inputs the alarm setting information (N days ago and the resonance time), the alarm setting information is received from the portable information terminal 12. Is transmitted to the barcode center side server 16 (see (1) in FIG. 13). The bar code center server 16 registers the alarm setting information transmitted from the portable information terminal 12 in the corresponding user information (see (2) in FIG. 13).

  In the company side terminal 18, the service ID and password notified from the user, the company code of the company, and the customer number uniquely assigned to identify the user in the company are operated by the operator. When the customer information to be included is input, the input customer information is transmitted from the company side terminal 18 to the barcode center side server 16 (see (5) in FIG. 4).

  In the bar code center side server 16, the service ID and password of the received customer information are collated with the user information in the user information database 68, and the customer number and company code of the customer information are compared with the collated user information. Is registered (see FIG. 4).

  In the company side terminal 18, when billing information including a customer number, various detailed information, and bar code information is input by an operator's operation, the input billing information from the company side terminal 18 is displayed as a barcode. It is transmitted to the center side server 16 (see (6) in FIG. 4).

  Here, the barcode information of the billing information is a string of numbers indicating various information shown in FIG.

  When the bar code center side server 16 receives the billing information transmitted from the company side terminal 18, it executes a billing information registration processing routine shown in FIG.

  In step 100, it is determined whether or not the billing information transmitted from the company side terminal 18 has been accepted. When the billing information is accepted, the process proceeds to step 102 where user information corresponding to the customer number included in the accepted billing information is obtained. Search from the user information database 68.

  In the next step 104, billing management information is created by assigning the user ID of the user information retrieved in step 102 to the billing information. In step 106, the created billing management information is registered in the billing management information database 80. At this time, as an initial value, the display status of the billing management information is “not displayed” and the billing information status is “not stored”.

  In the next step 108, it is determined whether or not an alarm date is set in the user information searched in step 102. If the alarm date is not set, the billing information registration processing routine is terminated. On the other hand, when the alarm date / time is set, in step 110, the alarm activation date / time is obtained and used based on the set alarm date / time (N days ago, resonance time) and the payment due date included in the billing information. Alarm information including a person ID, customer number, barcode information, and alarm activation date / time is created and registered in the billing management information database 80, and the billing information registration processing routine is terminated (see (4) in FIG. 13).

  As shown in FIG. 7, the registration of user information and the registration of billing information are performed for each company that issues a payment request, and each customer includes a customer number and billing information for each company. A plurality of billing management information is registered.

  When the user operates the portable information terminal 12 to start application software, a billing information display processing routine shown in FIG. 8 is executed in the portable information terminal 12.

  First, in step 120, a login screen is displayed on the display unit 44 of the portable information terminal 12, and it is determined whether or not an input of a service ID and a password has been accepted. When the user operates the portable information terminal 12 and inputs the service ID and password, the process proceeds to step 122. In step 122, login information including the input service ID and password and a preset application ID is transmitted to the bar code center side server 16 (see (8) in FIG. 4).

  At this time, the billing information provision processing routine shown in FIG.

  In step 150, it is determined whether or not login information (service ID, password, and application ID) transmitted from the portable information terminal 12 has been received. If login information is received, the process proceeds to step 152. In step 152, the login information is compared with the user information in the user information database 68 to perform an authentication process (see (9) in FIG. 4). In the next step 154, the authentication result is transmitted to the portable information terminal 12 (see (10) in FIG. 4). At this time, if the authentication is successful, the user ID of the verified user information is transmitted together with the authentication result.

  In step 156, it is determined whether or not the authentication is successful in step 152. If the authentication is not successful, the billing information provision processing routine is terminated. On the other hand, if the authentication is successful, step 158 is performed. Migrate to

  At this time, in the billing information display processing routine shown in FIG. 8, it is determined in step 124 whether or not an authentication result has been received from the bar code center side server 16.

  In step 126, it is determined whether or not the authentication is successful based on the authentication result received in step 124. If the authentication is unsuccessful, the billing information display processing routine is terminated, while if the authentication is successful. The process proceeds to step 128.

  In step 128, the user ID received simultaneously with the authentication result in step 124 is acquired. In addition, a menu screen is displayed on the display unit 44 (see (11) in FIG. 4). In step 130, it is determined whether an input of a billing information list request has been accepted. When the user operates portable information terminal 12 to input a request for a list of billing information from the menu screen, the process proceeds to step 132. In step 132, a billing information list request including the user ID acquired in step 128 is transmitted to the barcode center server 16 (see (12) in FIG. 4).

  At this time, in the billing information provision processing routine shown in FIG. 9, in step 158, it is determined whether or not the billing information list request transmitted from the barcode center side server 16 is accepted, and when the billing information list request is accepted, Proceed to step 160. In step 160, the billing management information corresponding to the billing management information from the billing management information database 80 with the billing information status “not stored” using the user ID included in the billing information list request as a key. Are searched (see (13) in FIG. 4).

  In step 162, detailed billing information and barcode information are acquired from each of all the billing management information retrieved in step 160, and transmitted to the portable information terminal 12. In the next step 164, the display status of all the billing management information searched in step 160 is updated from “not displayed” to “list displayed” (see (1) in FIG. 10).

  In the billing information display processing routine shown in FIG. 8, it is determined in step 133 whether the billing details information and the barcode information are received from the barcode center side server 16, and the billing details information and the barcode information are determined. Is received, the process proceeds to step 134.

  In step 134, a billing information list including a billing information list as shown in FIG. 11 is displayed on the display unit 44 (see (15) in FIG. 4). In step 136, it is determined whether an input of a barcode display request has been accepted. When the user operates the portable information terminal 12 to specify billing information for requesting bar code display and detail display and input a bar code display request, the process proceeds to step 138.

  In step 138, a barcode display request including the billing ID indicating the billing information specified above is transmitted to the barcode center side server 16 (see (20) in FIG. 4).

  At this time, in the billing information provision processing routine shown in FIG. 9, in step 166, it is determined whether or not the barcode display request transmitted from the barcode center side server 16 is accepted, and when the barcode display request is accepted, Proceed to step 168. In step 168, the billing management information corresponding to the billing management information from the billing management information database 80 with the billing information status “not stored” using each billing ID included in the barcode display request as a key. Are all checked to check whether the billing information status is “not stored” (see (21) in FIG. 4).

  In step 170, the confirmation result of the billing information status in step 168 is transmitted to the portable information terminal 12. In step 172, billing management information corresponding to each billing ID included in the barcode display request is displayed. The status is updated from “list displayed” to “detailed displayed” (see (2) in FIG. 10), and the billing information provision processing routine is terminated.

  Further, in the billing information display processing routine shown in FIG. 8, in step 140, for each billing information specified above, based on the confirmation result of the billing information status received from the barcode center side server 16, The barcode information corresponding to the billing information “storage” is converted into a code so that the barcode is displayed on the display unit 44 and the detailed billing information is displayed on the display unit 44 as shown in FIG. finish. At this time, as shown in FIG. 11, the user operates the display unit 44 of the portable information terminal 12 so as to slide the screen, thereby sequentially displaying the barcode of each billing information and the billing detailed information. It can be displayed on the unit 44.

  The user presents the display screen of the portable information terminal 12 displaying the barcode at the convenience store. The barcode is scanned by the barcode reader 32, decrypted into a payment amount by the POS register 34, and the payment amount is displayed and payment is made.

  When the payment is made, the settlement controller 36 transmits a stored notification including the barcode information on which the payment has been made to the network server 22 in real time. The network server 22 transmits the stored notification to the company side and also to the bar code center side server 16.

  At this time, the bar code center side server 16 executes a real-time notification processing routine shown in FIG.

  First, in step 180, it is determined whether or not a stored notification including bar code information transmitted from the network server 22 has been received. If a stored notification is received, the process proceeds to step 182.

  In step 182, the corresponding billing management information is searched from the billing management information database 80 using the barcode information included in the stored notification received in step 180 as a key. In step 184, the billing information status of the billing management information retrieved in step 182 is updated from “not stored” to “stored”, and the real-time notification processing routine ends.

  Further, the bar code center server 16 searches the billing management information database 80 for alarm information whose current time corresponds to the alarm activation date and time at predetermined time intervals (see (5) in FIG. 13). When the information is searched, an application ID is acquired from the user information of the user ID included in the alarm information, and an alarm activation notification is transmitted to the mobile information terminal 12 to which the application ID is assigned. As a result, the portable information terminal 12 that has received the alarm activation notification activates the application software and sounds an alarm (see (6) in FIG. 13).

  When the status inquiry request including the customer number and barcode information is transmitted from the company side terminal 18 to the barcode center side server 16, the barcode center side server 16 transmits the transmitted customer number and barcode information. As a key, the corresponding billing management information is retrieved from the billing management information database 80, and information indicating the billing status and display status of the retrieved billing management information is transmitted to the company side terminal 18 (( 3)).

  As described above, according to the settlement system according to the first reference example, even when there is a payment request from a plurality of companies, a plurality of billing information is linked with a user ID, and the portable information terminal is connected. By making it possible to collectively display a plurality of billing information barcodes, payment can be easily performed using a portable information terminal.

  In addition, the bar code center side server updates the display status of the billing management information according to the request information from the portable information terminal, and accepts the status inquiry request from the company side terminal. It is possible to grasp whether or not the user has browsed.

  In addition, the user registers the alarm date and time with the barcode center server, and activates the alarm of the portable information terminal at the registered alarm date and time to inform the user that there is unpaid billing information. be able to.

  Next, a settlement system according to a second reference example will be described. Note that the configuration of the payment system according to the second reference example is the same as that of the first reference example, and therefore the same reference numerals are given and description thereof is omitted.

  In the second reference example, while the barcode is displayed on the portable information terminal, the billing information status of the billing information is searched, and when it is updated to “stored”, the displayed barcode screen is switched. This is different from the first reference example.

  As shown in FIG. 14, the barcode display control unit 50 of the portable information terminal 12 according to the second reference example has a constant interval while the barcode is displayed on the display unit 44 (see (1) in FIG. 14). Then, a request for confirming the billing information status corresponding to the billing information of the barcode is transmitted to the barcode center side server 16 (see (2) and (6) in FIG. 14).

  The inquiry management unit 82 of the bar code center side server 16 searches the billing management information database 80 for the corresponding billing management information based on the confirmation request transmitted from the portable information terminal 12, and finds the billing management searched. The billing information status of the information is acquired, and information indicating the acquired billing information status is transmitted to the portable information terminal 12.

  When the bar code display control unit 50 of the portable information terminal 12 receives the information indicating the billing information status transmitted from the bar code center side server 16 in response to the confirmation request, the billing information status is stored. If it is determined whether or not it has been stored, the display screen of the barcode displayed on the display unit 44 is switched, and a barcode corresponding to the stored billing information is displayed. Control is performed so as not to be performed (see (7) in FIG. 14).

  Since the other configuration and operation of the payment system according to the second reference example are the same as those of the first reference example, description thereof is omitted.

  In this way, by using the stored notification notified in real time from the convenience store server, the billing information status is updated and the billing information status is repeatedly confirmed while the barcode is displayed on the portable information terminal. Real-time performance can be improved, display of stored barcodes can be stopped, and double payment can be prevented.

  Next, a settlement system according to a third reference example will be described. Note that the configuration of the payment system according to the third reference example is the same as that of the first reference example, and thus the same reference numerals are given and description thereof is omitted.

  In the third reference example, when the billing information status is updated from “not stored” to “stored”, a push notification is transmitted from the bar code center server, and the bar code screen displayed on the portable information terminal Is different from the first reference example.

  When the stored update unit 94 of the barcode center side server 16 according to the third reference example updates the charge status of the charge management information searched by the notification time search unit 92 to “stored”, the charged management information The Push notification including the barcode information is transmitted to the portable information terminal 12 to which the application ID of the billing management information is assigned (see (5) in FIG. 15).

  When the barcode display control unit 50 of the portable information terminal 12 receives the Push notification transmitted from the barcode center side server 16, the barcode display control unit 50 displays a barcode based on the barcode information included in the Push notification. If the bar code is determined to be displayed, the bar code display screen displayed on the display unit 44 is switched to display the billing information stored. Control is performed so that the corresponding barcode is not displayed (see (6) in FIG. 15).

  In addition, about the other structure and effect | action of the payment system which concerns on a 3rd reference example, since it is the same as that of a 1st reference example, description is abbreviate | omitted.

  In this way, the billing information status is updated using the stored notification notified in real time from the convenience store network server, and the portable information terminal indicates that the billing information status is updated to “stored”. By transmitting the Push notification, the real-time property can be improved, the display of the stored barcode can be stopped, and double payment can be prevented.

  Next, a settlement system according to a fourth reference example will be described. Note that the configuration of the payment system according to the fourth reference example is the same as that of the first reference example, and thus the same reference numerals are given and description thereof is omitted.

  The fourth reference example is different from the first reference example in that an alarm is set for billing information whose payment deadline has been exceeded from the storage company.

  On the company side, when the operator operates the company side terminal 18 and inputs the barcode information and the alarm setting information (resonance date and time) for the billing information that exceeds the payment deadline, the company side terminal 18 The information and the alarm setting information are transmitted to the bar code center side server 16 (see (7) in FIG. 16). The bar code center side server 16 searches the billing management information database 80 for the corresponding billing management information based on the bar code information transmitted from the company side terminal 18, and finds the billing management information searched and the company side terminal Based on the alarm setting information transmitted from 18, the alarm information is created and stored in the billing management information database 80.

  In addition, about the other structure and effect | action of the payment system which concerns on a 4th reference example, since it is the same as that of a 1st reference example, description is abbreviate | omitted.

  In this way, the company sets the alarm notification for the billing information that has exceeded the payment deadline, and activates the alarm of the portable information terminal at the registered alarm notification date and time, so that the payment deadline can be set for the user. You can be informed that there is excess outstanding billing information.

  In the above embodiment, the case where a barcode is used as the code pattern has been described as an example. However, the present invention is not limited to this, and another code pattern may be used. For example, a two-dimensional code (two-dimensional barcode) such as a QR code (registered trademark), a character code, or the like may be used.

  In addition to a convenience store, a barcode reader, a POS register, and a payment controller may be installed. For example, a bar code reader, a POS register, and a payment controller may be installed in a store such as a family restaurant or a gas station.

  Further, the case where the stored notification including the barcode information is supplied from the POS register to the settlement controller and the stored notification is supplied from the payment controller to the network server in real time has been described as an example. It is not a thing. For example, the barcode information is supplied from the barcode reader to the payment controller without going through the POS register, and the stored notification including the barcode information is supplied from the payment controller to the network server in real time. May be.

  Next, the settlement system according to the first embodiment will be described. In addition, about the part which becomes the structure similar to a 1st reference example, the same code | symbol is attached | subjected and description is abbreviate | omitted.

  The first embodiment is different from the first reference example in that payment settlement is performed by short-range wireless communication with a portable terminal at a convenience store or the like.

  As shown in FIG. 17, the payment system 510 according to the first embodiment includes a portable information terminal 512, a Web server 14, a center server 516, a company terminal 18, and a convenience store operated by a user. Convenience store facility 520 and network server 22 are provided. The center server 516 is an example of a payment server.

  The convenience store facility 520 includes a wireless communication device 532, a POS register 34, and a payment controller 36. The wireless communication device 532, the POS register 34, and the payment controller 36 are examples of a payment device.

  The wireless communication device 532 is connected to the POS register 34 in advance, and receives, for example, payment request information including a payment amount by carrying out near field communication (NFC) such as infrared communication or Bluetooth (registered trademark). Obtained from the information terminal 512. Then, the acquired payment request information is supplied to the connected POS register 34.

  A POS (Point Of Sales) register 34 displays the payment amount acquired via the connected wireless communication device 532. When payment is made from the user, a stored notification including payment request information is supplied to the payment controller 36.

  The payment controller 36 supplies the stored notification including the payment request information sent from the POS register 34 to the network server 22 in real time.

  The network server 22 notifies the storage side notification notified from the settlement controller 36 to the company side in real time and also notifies the center side server 516 in real time.

  As illustrated in FIG. 18, the portable information terminal 512 includes a communication unit 40, a control unit 542, a display unit 44, and a wireless communication unit 554.

  The communication unit 40 performs communication via the network 24. The display unit 44 includes, for example, a touch panel display and displays a predetermined menu screen. In addition, the display unit 44 inputs instruction information from the user. The wireless communication unit 554 transmits payment request information by short-range wireless communication.

  The control unit 542 includes a registration setting unit 46, a billing history display control unit 48, a payment communication control unit 550, and an alarm resonance unit 52.

  The registration setting unit 46 performs initial registration (password registration) with respect to the center-side server 516, and sets the service ID and application ID given from the center-side server 516 in its own terminal.

  The billing history display control unit 48 performs authentication using the service ID, password, and application ID, acquires billing information or payment history information from the center-side server 516, and displays a list of billing information or payment history information on the display unit 44. To display.

  The payment communication control unit 550 controls the wireless communication unit 554 so as to transmit the payment request information included in the request information acquired from the center side server 516 by short-range wireless communication.

  The alarm resonance unit 52 transmits alarm setting information to the center side server 516 and performs alarm resonance using a speaker (not shown) or the display unit 44 in accordance with an alarm activation notification notified from the center side server 516.

  The company-side terminal 18 is a computer installed on each company that issues payment request information. The company-side terminal 18 accesses a site provided by the center-side server 516, and pays the company by the operation of the operator. Register user information for.

  Further, the company side terminal 18 accesses a site provided by the center side server 516 and registers billing information for the user by the operation of the operator.

  The center side server 516 includes a computer having a CPU, a ROM, a RAM, and an HDD. The HDD has programs for each of a billing information registration processing routine, a billing information provision processing routine, and a real-time notification processing routine. Is remembered.

  The center side server 516 includes a communication unit 56, a line communication unit 58, and a control unit 60, similarly to the barcode center side server 16 according to the first embodiment. The control unit 60 includes a company-side information reception unit 62, a terminal-side information reception unit 64, a user information registration unit 66, a user information database 68, an alarm registration unit 70, a customer information registration unit 72, a billing information registration unit 74, a billing Information database 76, billing management information registration unit 78, billing management information database 80, inquiry management unit 82, authentication unit 84, search unit 86, alarm management unit 88, real-time notification reception unit 90, notification time search unit 92, and stored An update unit 94 is provided.

  The billing information registration unit 74 registers billing information (customer number, amount, product, payment billing information, etc.) transmitted from the company side terminal 18 in the billing information database 76.

  Further, the search unit 86 searches for the corresponding bill management information from the bill management information database 80 based on the payment request including the bill ID transmitted from the portable information terminal 512, and the billing status is “not stored”. It is confirmed whether or not there is, and the confirmation result is transmitted to the portable information terminal 512 by the communication unit 56.

  Next, the operation of the payment system 510 according to the first embodiment will be described. In addition, about the process similar to a 1st reference example, the same code | symbol is attached | subjected and detailed description is abbreviate | omitted.

  First, when a user operates the portable information terminal 512 to download application software from the Web server 14 and install it on the portable information terminal 512, an initial setting screen is displayed on the display unit 44 of the portable information terminal 512. . When the user operates the portable information terminal 512 and inputs a password, the initial setting information (service ID (blank), password, and application ID (blank)) is transmitted from the portable information terminal 512 to the center side server 516. Sent.

  In the center side server 516, the application ID of the received initial setting information is searched from the user information database 68, and if it does not exist, the service ID, the application ID, and the user ID are given, and the service ID, password, and usage User information including the user ID and application ID is registered in the user information database 68.

  Then, the service ID and application ID given from the center side server 516 are transmitted to the portable information terminal 512, and the portable service terminal 512 sets the transmitted service ID and application ID to the own terminal.

  The user notifies the contracted company of the service ID and password in order to use the payment service using the application software. When the user performs alarm setting, when the user operates the portable information terminal 512 and inputs alarm setting information (N days ago and the resonance time), the alarm setting information is received from the portable information terminal 512. Is transmitted to the center side server 516. The center side server 516 registers the alarm setting information transmitted from the portable information terminal 512 in the corresponding user information.

  In the company side terminal 18, the service ID and password notified from the user, the company code of the company, and the customer number uniquely assigned to identify the user in the company are operated by the operator. When the customer information is input, the input customer information is transmitted from the company side terminal 18 to the center side server 516.

  The server 516 on the center side compares the service ID and password of the received customer information with the user information in the user information database 68, and registers the customer number and company code of the customer information for the verified user information. To do.

  In the company side terminal 18, when billing information including a customer number, various kinds of detailed information, and payment request information is input by the operator, the input billing information is input from the company side terminal 18 to the center side. Sent to the server 516.

  When the center side server 516 receives the billing information transmitted from the company side terminal 18, the center side server 516 executes a processing routine similar to the billing information registration processing routine shown in FIG.

  When the user operates portable information terminal 512 to activate application software, billing information display processing routine shown in FIG. 19 is executed in portable information terminal 512.

  First, in step 120, a login screen is displayed on the display unit 44 of the portable information terminal 512, and it is determined whether or not an input of a service ID and a password has been accepted. When the user operates portable information terminal 512 and inputs the service ID and password, the process proceeds to step 122. In step 122, login information including the input service ID and password and a preset application ID is transmitted to the center-side server 516.

  At this time, a billing information provision processing routine shown in FIG.

  In step 150, it is determined whether or not login information (service ID, password, and application ID) transmitted from the portable information terminal 512 has been received. If login information is received, the process proceeds to step 152. In step 152, the login information is compared with the user information in the user information database 68, and an authentication process is performed. In the next step 154, the authentication result is transmitted to the portable information terminal 512. At this time, if the authentication is successful, the user ID of the verified user information is transmitted together with the authentication result.

  In step 156, it is determined whether or not the authentication is successful in step 152. If the authentication is not successful, the billing information provision processing routine is terminated. On the other hand, if the authentication is successful, step 158 is performed. Migrate to

  At this time, in the billing information display processing routine shown in FIG. 19, in step 124, it is determined whether or not an authentication result has been received from the center-side server 516.

  In step 126, it is determined whether or not the authentication is successful based on the authentication result received in step 124. If the authentication is unsuccessful, the billing information display processing routine is terminated, while if the authentication is successful. The process proceeds to step 128.

  In step 128, the user ID received simultaneously with the authentication result in step 124 is acquired. In addition, a menu screen is displayed on the display unit 44. In step 130, it is determined whether an input of a billing information list request has been accepted. When the user operates portable information terminal 512 to input a request information list request from the menu screen, the process proceeds to step 132. In step 132, a billing information list request including the user ID acquired in step 128 is transmitted to the center server 516.

  At this time, in the billing information provision processing routine shown in FIG. 20, it is determined in step 158 whether or not the billing information list request transmitted from the center side server 516 is accepted. Proceed to In step 160, the billing management information corresponding to the billing management information from the billing management information database 80 with the billing information status “not stored” using the user ID included in the billing information list request as a key. Search all.

  In step 662, detailed billing information and payment billing information are acquired from each of all billing management information retrieved in step 160, and transmitted to the portable information terminal 512. In the next step 164, the display status of all the billing management information retrieved in step 160 is updated from “not displayed” to “list displayed”.

  In the billing information display processing routine shown in FIG. 19, in step 633, it is determined whether or not billing detailed information and payment billing information are received from the center side server 516, and the billing detailed information and billing billing information are received. Then, it progresses to step 134.

  In step 134, a billing information list including a billing information list is displayed on the display unit 44. In step 636, it is determined whether an input of a payment request has been accepted. When the user operates portable information terminal 512 to specify billing information for requesting detailed display and inputs a payment request on the detailed display screen, the process proceeds to step 638.

  In step 638, a payment request including the billing ID indicating the billing information specified above is transmitted to the center side server 516.

  At this time, in the billing information provision processing routine shown in FIG. 20, it is determined in step 666 whether or not the payment request transmitted from the center side server 516 has been accepted. In Step 168, all the billing management information corresponding to the billing management information from the billing management information database 80 and whose billing information status is “not stored” is set using each billing ID included in the payment request as a key. Search to confirm whether the billing information status is “not stored”.

  In step 170, the billing information status confirmation result in step 168 is transmitted to the portable information terminal 512. In step 172, the billing management information display status corresponding to each billing ID included in the payment request is displayed. , “List Displayed” is updated to “Detailed Displayed”, and the billing information provision processing routine is terminated.

  Also, in the billing information display processing routine shown in FIG. The billing information for the billing information is transmitted by short-range wireless communication by the wireless communication unit 554, and the billing information display processing routine is terminated. At this time, the user operates the portable information terminal 512 and designates a plurality of billing information, whereby the billing information for each billing information can be transmitted simultaneously.

  The user transmits the payment request information from the portable information terminal 512 to the wireless communication device 532 at the convenience store. The payment request information is received by the wireless communication device 532 and input to the POS register 34, and the payment amount is displayed to make payment.

  When the payment is made, the settlement controller 36 sends a stored notification including payment request information on the payment to the network server 22 in real time. The network server 22 transmits the stored notification to the company side and to the center side server 516.

  At this time, the center side server 516 executes a real-time notification processing routine shown in FIG.

  First, in step 680, it is determined whether or not a storage notification including payment request information transmitted from the network server 22 has been received. If the storage notification is received, the process proceeds to step 682.

  In step 682, the corresponding billing management information is searched from the billing management information database 80 using the billing information included in the stored notification received in step 680 as a key. In step 184, the billing information status of the billing management information retrieved in step 682 is updated from “not stored” to “stored”, and the real-time notification processing routine ends.

  Further, the center side server 516 searches the billing management information database 80 for alarm information whose current time corresponds to the alarm activation date and time at predetermined time intervals, and when the corresponding alarm information is searched, An application ID is acquired from the user information of the included user ID, and an alarm activation notification is transmitted to the portable information terminal 512 to which the application ID is assigned. As a result, the portable information terminal 512 that has received the alarm activation notification activates the application software and sounds an alarm.

  When a status inquiry request including a customer number and payment request information is transmitted from the company side terminal 18 to the center side server 516, the center side server 516 uses the transmitted customer number and payment request information as a key. The corresponding billing management information is searched from the billing management information database 80, and information indicating the billing status and display status of the searched billing management information is transmitted to the company side terminal 18.

  As described above, according to the settlement system according to the first embodiment, even when there is a request for payment from a plurality of companies, a plurality of billing information is associated with the user ID, and the portable information terminal Thus, by making it possible to wirelessly transmit the billing information of a plurality of billing information together, it is possible to easily make a payment using the portable information terminal.

  In the first embodiment, when the mobile information terminal is on standby for wirelessly transmitting the billing information, the billing information status of the billing information is searched and updated to “accommodated”. The transmission of payment request information may be stopped.

  Similarly to the third reference example, at the timing when the billing information status is updated from “not stored” to “stored”, a push notification is transmitted from the center server, and the corresponding payment request is received from the portable information terminal. Information may be prohibited from being transmitted by short-range wireless communication. In this case, for example, a button for inputting a corresponding payment request may be invalidated on the display screen of the portable information terminal.

  Similarly to the fourth reference example, an alarm may be set for the billing information that has exceeded the payment due date from the storage company.

  In addition, the case where payment request information is transmitted from a portable information terminal to a wireless communication device connected to a POS register by short-range wireless communication has been described as an example. However, in an electronic ticket of an event, a retail store, a restaurant, etc. The electronic coupon to be used may be transmitted from the portable information terminal by short-range wireless communication.

  Moreover, although the case where payment request information is transmitted from the portable information terminal by short-range wireless communication has been described as an example, the present invention is not limited to this, and the payment request information is transmitted by other wireless communication methods such as RFID. It may be.

  In addition to the convenience store, a wireless communication device, a POS register, and a payment controller may be installed. For example, a wireless communication device, a POS register, and a payment controller may be installed in a store such as a family restaurant or a gas station or a storage window.

  Further, the case where the stored notification including the payment request information is supplied from the POS register to the settlement controller and the stored notification is supplied from the payment controller to the network server in real time has been described as an example. It is not a thing. For example, the billing information is supplied from the wireless communication device to the settlement controller without going through the POS register, and the stored notification including the billing information is supplied from the settlement controller to the network server in real time. May be.

  The network server 22 has been described by taking as an example the case where the stored notification notified from the settlement controller 36 is notified to the company side and the barcode center side server 16 or the center side server 516 in real time. It is not a thing. For example, the network server 22 may notify the stored notification notified from the settlement controller 36 for a predetermined period to the company side and the barcode center side server 16 or the center side server 516.

10, 510 Payment system 12, 512 Portable information terminal 14 Web server 16 Barcode center side server 18 Enterprise side terminal 20, 520 Convenience store facility 22 Network server 22 Network service server 32 Bar code reader 34 POS register 36 Payment controller 40 Communication unit 42 Control unit 44 Display unit 46 Registration setting unit 48 Request history display control unit 50 Barcode display control unit 52 Alarm resonance unit 56 Communication unit 58 Line communication unit 60 Control unit 62 Company side information reception unit 64 Terminal side information reception unit 66 User information registration unit 68 User information database 70 Alarm registration unit 72 Customer information registration unit 74 Billing information registration unit 76 Billing information database 78 Billing management information registration unit 80 Billing management information database 82 Inquiry management unit 84 Authentication unit 86 Search unit 88 Alarm management unit 90 Real-time notification reception unit 92 Notification search unit 94 Stored update unit 516 Center side server 532 Wireless communication device 542 Control unit 550 Payment communication control unit 554 Wireless communication unit

Claims (4)

User information storage that stores user information including a service ID, a password, and an application ID registered for each portable information terminal of the user in association with the user ID for identifying the user on the settlement server side. Means,
Customer identification information receiving means for receiving input of customer identification information for identifying the user at the company side, together with the service ID and password of the user, from each company side that issues payment request information;
Customer information registered in the user information stored in the user information storage means and including the service ID and password input together with the customer identification information, the customer identification information received by the customer identification information receiving means Registration means;
Bill information receiving means for receiving input of the billing information for the user and the customer identification information of the user from each company side;
A first user ID search means for searching a user ID corresponding to the customer identification information received by the billing information reception means from the user information storage means;
Claim management information in which the user ID searched by the first user ID search means is associated with the payment request information received by the charge information reception means, and is registered in the charge management information storage means Management information registration means;
Authentication information receiving means for receiving service ID, password, and application ID as authentication information from the portable information terminal;
An authentication unit that performs authentication by comparing the authentication information received by the authentication information receiving unit with the user information stored in the user information storage unit;
An authentication result transmitting means for transmitting authentication result information including a user ID associated with the user information to the portable information terminal when the authentication is successful by the authentication means;
When a billing information list request including the user ID is received from the portable information terminal successfully authenticated by the authentication unit, the billing management information corresponding to the user ID is all retrieved from the billing management information storage unit. A billing management information retrieval means,
Payment request information transmitting means for transmitting the payment request information included in each claim management information searched by the claim management information search means to the portable information terminal;
A billing information designation accepting unit that accepts designation of at least one of the billing information included in each billing management information retrieved by the billing management information retrieving unit from the portable information terminal;
Including payment servers. A settlement information search unit that retrieves the bill management information including the payment request information from the claim management information storage unit upon receipt of a stored notification including the payment request information from a payment device that performs payment settlement;
Billing management information updating means for updating the billing management information retrieved by the settled information retrieval means;
The settlement server according to claim 1, further comprising: The settlement server according to claim 1 or 2,
Authentication information transmitting means for transmitting the service ID, password, and application ID of the terminal as authentication information to the payment server;
Authentication result receiving means for receiving the authentication result information for the authentication information from the payment server;
A list request transmitting means for transmitting a billing information list request including the user ID included in the authentication result information to the payment server when authentication by the authentication information is successful;
Payment bill information receiving means for receiving each of the billing information transmitted from the settlement server in response to the billing information list request, and at least of each of the billing information received by the payment bill information receiving means A portable information terminal including designated transmission means for transmitting one designation to the settlement server;
Including payment system. User information storage that stores user information including a service ID, a password, and an application ID registered for each portable information terminal of the user in association with the user ID for identifying the user on the settlement server side. A computer including means,
Customer identification information receiving means for receiving input of customer identification information for identifying the user on the company side, together with the service ID and password of the user, from each company side that issues payment request information,
Customer information registered in the user information stored in the user information storage means and including the service ID and password input together with the customer identification information, the customer identification information received by the customer identification information receiving means Registration means,
Bill information receiving means for receiving input of the billing information for the user and the customer identification information of the user from each company side,
First user ID search means for searching a user ID corresponding to the customer identification information received by the billing information reception means from the user information storage means;
Claim management information in which the user ID searched by the first user ID search means is associated with the payment request information received by the charge information reception means, and is registered in the charge management information storage means Management information registration means,
Authentication information receiving means for receiving service ID, password, and application ID as authentication information from the portable information terminal,
An authentication unit for performing authentication by comparing the authentication information received by the authentication information receiving unit with the user information stored in the user information storage unit;
An authentication result transmitting means for transmitting, to the portable information terminal, authentication result information including a user ID associated with the user information when authentication is successful by the authentication means;
When a billing information list request including the user ID is received from the portable information terminal successfully authenticated by the authentication unit, the billing management information corresponding to the user ID is all retrieved from the billing management information storage unit. Billing management information retrieval means,
Payment request information transmitting means for transmitting the billing information included in each billing management information searched by the billing management information searching means to the portable information terminal, and from the portable information terminal by the billing management information searching means A program for functioning as a billing information specification accepting unit that accepts designation of at least one of the billing information included in each searched billing management information.