JP6163195B2 - Prepaid payment system, prepaid payment method, and program - Google Patents

Description

  The present invention generally relates to a prepaid payment system, a payment method, and a program. More specifically, the present invention relates to an application (hereinafter referred to as an application) installed in a mobile terminal, a PC site, a storefront of a real store, and the like. The present invention relates to a prepaid payment system, a payment method, and a program for charging a balance of electronic money and points (hereinafter referred to as “electronic money etc.”) that can be used to purchase goods, services, and contents.

  Conventionally, purchasing contents such as e-books, music, games, cards and weapons used in games, additional functions subject to billing, etc. in applications and PC sites installed on mobile devices such as smartphones and tablet devices Has been done. In order to purchase content within an app or PC site, it is necessary to have a balance of electronic money, etc. that can be used within the app or PC site. If so, it is necessary to purchase electronic money or the like in order to allocate at least the shortage. One of the means for purchasing electronic money is a method using a prepaid card. A prepaid card is a convenience store (hereinafter referred to as a convenience store) or the like, and a bar code written on the prepaid card is read by a register having a POS function (hereinafter referred to as a POS cash register). By paying, the money number written on the prepaid card is validated and can be used. The user can charge the balance of electronic money etc. by inputting the money number of the activated prepaid card into an application or a PC site.

  FIG. 6 is a diagram showing an outline of a conventional settlement method using such a prepaid card.

  According to the conventional method, first, the content company 601 that provides content such as an application or a PC site requests the card creation company 602 to create a prepaid card. Then, the prepaid card created by the card company 602 is delivered to each store 603 of the convenience store by the delivery company. At the convenience store 603 that received the card, it is displayed and sold. At the store 603, the bar code written on the prepaid card is read at the POS cash register, and payment is made by receiving the price. In store 603, various prepaid cards are sold for various types of electronic money.

  Next, when it is necessary to purchase electronic money or the like, the user 604 goes to the convenience store 603, selects a desired prepaid card from among many prepaid cards displayed, and pays the price at the cash register. Then, activate the prepaid card. Next, the user 604 charges the balance of electronic money or the like by inputting and registering the money number written on the prepaid card into an application or PC site on the mobile terminal. By doing so, the user 604 can purchase desired content in an application, a PC site, or the like using the charged balance.

  However, in the conventional method, it is necessary to actually create a prepaid card and deliver it to a store. In addition, at the store, it is necessary to display the delivered prepaid card, and a place for display is also required. In addition, there is a possibility that the prepaid card may be lost after the prepaid card is created and sold.

  Furthermore, when a user needs a prepaid card, he / she must go to the store and search for a desired prepaid card from a wide variety of prepaid cards displayed in the store. For some reason, it was not displayed in the store and could not be purchased. This is partly because prepaid cards with a certain demand are mainly displayed in stores, and prepaid cards with a relatively small demand are not often displayed. In addition, even after searching for a desired prepaid card and paying the price to validate the prepaid card, it is necessary to input and register the money number of the prepaid card in an application or a PC site. Also, the user may lose the purchased prepaid card.

  The present invention has been made in view of such problems, and the object of the present invention is to balance the balance of electronic money, etc. that can be used within an application or a PC site without using a medium such as a card. It is an object to provide a prepaid payment system, a payment method, and a program that can be charged.

  In order to solve the problems as described above, the invention according to an embodiment of the present invention is a prepaid payment system for charging a balance of a user, wherein the use is performed according to a payment method selected by the user. A barcode generating means for generating a barcode including a transaction ID and amount information for identifying a balance charge request from a person, a barcode transmitting means for transmitting the generated barcode to a portable terminal, and the barcode is settled And a first balance charging means for charging the balance of the user identified according to the transaction ID included in the barcode in accordance with the amount information included in the barcode. It is characterized by that.

  Further, the prepaid payment system according to an embodiment of the present invention includes an account assignment means for assigning a dedicated account for transfer according to the payment method selected by the user, and an account number of the assigned dedicated account for transfer. Account number transmitting means for transmitting to the portable terminal, transferred amount receiving means for receiving the transferred amount to the transferred dedicated account, and a second balance charge for charging the balance based on the transferred amount And a means.

  Further, the invention according to an embodiment of the present invention is a prepaid payment method executed by a prepaid payment system for charging a balance of a user, from the user according to the payment method selected by the user. Generating a bar code including transaction ID and amount information for identifying a balance charge request of the user, transmitting the generated bar code to a mobile terminal, and after the bar code is settled, Charging the balance of the user identified according to the transaction ID included in the bar code in accordance with the amount information included.

  Further, the prepaid payment method according to an embodiment of the present invention assigns a dedicated account for transfer according to the payment method selected by the user, and assigns the account number of the allocated dedicated account for transfer to the mobile phone. You may further include transmitting the account number transmitted to a terminal, receiving the amount of money transferred to the account only for money transfer, and charging the balance based on the amount of money transferred.

  According to the present invention, a prepaid payment system, a payment method, and a payment method that can charge a balance of electronic money or the like that can be used in an application or a PC site without using a medium such as a prepaid card, and A program can be provided. In addition, according to the present invention, it is possible to provide a balance charging method corresponding to a type of prepaid card with less demand. Furthermore, according to the present invention, the user can charge a balance of electronic money or the like without inputting the money number written on the prepaid card in an application or a PC site. Further, the balance of electronic money or the like can be used for purchase of goods / services at a store in a real store.

It is a figure which shows the outline | summary of the prepaid payment method which concerns on one Embodiment of this invention. It is a figure which shows the outline | summary of another prepaid payment method which concerns on one Embodiment of this invention. It is a figure which shows the structure of the prepaid payment system which concerns on one Embodiment of this invention. It is a detailed flowchart of the prepaid payment method which concerns on one Embodiment of this invention. It is a detailed flowchart of another prepaid settlement method according to an embodiment of the present invention. It is a figure which shows the outline | summary of the conventional payment method.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, the same code | symbol represents the same thing in several drawing, and the repeated description is abbreviate | omitted.

(First embodiment)
FIG. 1 is a diagram showing an outline of a prepaid payment method according to an embodiment of the present invention.

  According to the prepaid payment method according to an embodiment of the present invention, when charging a balance of electronic money or the like in an application or a PC site installed on a mobile terminal, first, the user 101 passes the mobile terminal through the mobile terminal. A balance charge request is transmitted to the content company 102 that provides content such as applications and PC sites (1). The balance charge request includes a prepaid payment method designated by the user 101 (here, cash payment at a convenience store, hereinafter referred to as convenience store cash payment), and amount information. Next, the content company 102 that has received the balance charge request transmits a barcode creation request to the service company 103 that provides the prepaid payment service according to the designated prepaid payment method (2). The service company 103 that has received the barcode creation request creates and stores a barcode and provides it to the content company 102 (3). The content company 102 transmits the provided barcode to the mobile terminal of the user 101 (4). The mobile terminal can display the received barcode. When the user 101 confirms receipt of the barcode, the user 101 goes to a store 104 such as a convenience store equipped with a POS cash register. In the store 104, the bar code displayed on the mobile terminal is read by the POS cash register, and payment is made by receiving the price from the user 101 (5). After the settlement processing is performed, the payment information is notified from the POS cash register of the store 104 to the service company 103 (6). When receiving the payment notification, the service company 103 notifies the content company 102 of the payment information together with the barcode information (7). The content company 102 charges the balance of the user 101 based on the received barcode information and payment information. Since the barcode is associated with a balance charge request by the user 101, the user 101 can automatically charge the balance of the user 101 without inputting a money number.

  As described above, according to the prepaid payment method according to an embodiment of the present invention, electronic money that can be used in an application, a PC site, or the like without using a medium such as a prepaid card as compared with the conventional payment method. Etc. can be charged. This prepaid payment method can be considered as a prepaid card electronically mounted on a mobile terminal such as a smartphone or a tablet terminal. Further, the balance of the charged electronic money or the like can be used not only for the purchase of content provided by the content company 102 but also for the purchase of goods / services at the storefront of a real store.

(Second Embodiment)
Next, an outline of another prepaid payment method according to an embodiment of the present invention will be described. In this embodiment, instead of the payment using the barcode, the balance number is charged by issuing the account number of the bank account dedicated for the transfer and the user pays the deposit for the bank account dedicated for the transfer. . This method can be implemented together with the above-described embodiment using a barcode, and can be used properly by the user 101 selecting a payment method on the mobile terminal.

  FIG. 2 is a diagram showing an outline of another prepaid payment method according to an embodiment of the present invention. This prepaid payment method is one of payment methods that can be selected by the user in addition to the prepaid payment method described above with reference to FIG. 1, and provides various payment methods to the user. . This prepaid payment method uses a transfer to a bank account to charge a balance of electronic money or the like that can be used in an application or a PC site. In addition, the prepaid card generally specifies the purchase amount, but according to this prepaid payment method, the user can freely specify the amount to be charged (although it is restricted by the bank) and deposit it. Can do.

  According to another prepaid payment method according to an embodiment of the present invention, first, the user 101 transmits a balance charge request to the content company 102 via the mobile terminal (1). The balance charge request includes a prepaid payment method designated by the user 101. Next, the content company 102 that has received the balance charge request transmits an account number issue request to the service company 103 according to the designated prepaid payment method (2). Receiving the account number issue request, the service company 103 assigns an account number of the account dedicated for transfer and provides it to the content company 102 (3). The content company 102 transmits the provided account number to the mobile terminal of the user 101 (4). The mobile terminal can display the received account number. When the user 101 confirms the account number, the user 101 makes a deposit to the account number (5). The transfer can be performed by using the internet banking 202 of the bank system 201. Of course, the transfer may be performed at an ATM terminal or a bank store. When transfer processing to the account of the designated account number is performed, payment information is notified from the bank system 201 to the service company 103 (6). When the service company 103 receives the payment notification, the service company 103 notifies the content company 102 of the amount information received (7). The content company 102 charges the balance based on the received amount information.

  As described above, according to another prepaid payment method according to an embodiment of the present invention, an electronic device that can be used in an application, a PC site, or the like without using a medium such as a prepaid card as compared with the conventional method. The balance of money etc. can be charged. In addition to the prepaid payment method described with reference to FIG. 1, various prepaid payment methods can be provided to the user. Further, the balance of the charged electronic money or the like can be used not only for the purchase of content provided by the content company 102 but also for the purchase of goods / services at the storefront of a real store.

  Below, the outline | summary of the prepaid payment method mentioned above is demonstrated in detail.

  FIG. 3 is a diagram showing a configuration of a prepaid payment system 300 according to an embodiment of the present invention. Below, with reference to FIG. 3, the structure of the prepaid payment system 300 which concerns on one Embodiment of this invention is demonstrated.

  A prepaid payment system 300 according to an embodiment of the present invention includes a user terminal 301, a content company system 311, a service company system 321, a POS cash register 341, and a bank system 351.

  The user terminal 301 is a mobile terminal such as a smartphone or a tablet terminal. The user terminal 301 includes an application 302 and browser software, and is communicably connected to the content company 311 via a network. In addition, the user terminal 301 accesses the Internet banking system provided by the bank system 351 via the Internet and logs in to use various functions such as inquiry of balance / payment / withdrawal details and transfer / transfer. Can do.

  The content company system 311 includes a charge request reception unit 312, a barcode issue request transmission unit 313, an account number issue request transmission unit 314, a barcode reception unit 315, an account number reception unit 316, a customer management database (hereinafter referred to as “customer management database”). , DB) 317 and a settlement result receiving unit 318.

  The charge request receiving unit 312 receives a balance charge request from the user terminal 301, generates a transaction ID corresponding to the charge request, and stores the transaction ID in the customer management DB 317 in association with the user ID of the user. The barcode issue request transmission unit 313 transmits a barcode issue request including the amount information and the transaction ID to the service company system 321 in accordance with the prepaid payment method (in this case, convenience store cash payment) selected by the user in the charge request. The account number issuance request transmission unit 314 transmits an account number issuance request including the transaction ID to the service company system 321 in accordance with the settlement method selected by the user (here, bank transfer payment). The barcode receiving unit 315 receives the issued barcode from the service company system 321. The account number receiving unit 316 receives the issued account number from the service company system 321. The customer management DB 317 stores a user ID assigned to each user and a balance such as electronic money corresponding to the user ID. A user can purchase content in an application or a PC site by using the balance of electronic money or the like stored in the customer management DB 317. Further, the customer management DB 317 stores a transaction ID corresponding to the received charge request. The content company system 311 uses the transaction ID to identify a charge request and exchanges information with the service company system 321. The settlement result receiving unit 318 receives the transaction ID and the amount information from the service company system 321 and charges the balance of the user ID associated with the transaction ID. That is, the settlement result receiving unit 318 functions as a balance charging unit in the content company system 311. Further, the balance charge means is used as the first balance charge means when the balance is charged based on the settlement information from the POS cash register 341, and when the balance is charged based on the payment notice from the bank system 351. Can be regarded as a second balance charging means.

  The service company system 321 includes a bar code issuance request receiving unit 322, a bar code generating unit 323, a bar code managing unit 324, a bar code transmitting unit 325, a settlement information receiving unit 326, an account number issuance request receiving unit 327, and a bank account for transfer. An allocation unit 328, an account manager 329 dedicated for transfer, an account number transmission unit 330, a payment notification reception unit 331, and a settlement result transmission unit 332 are provided.

  The barcode issue request receiving unit 322 receives a barcode issue request including the amount information and the transaction ID from the content company system 311. In response to receiving the barcode issuance request, the barcode generation unit 323 generates a barcode including the amount information and the transaction ID, and stores the barcode in the barcode management unit 324. The barcode can be generated using the conventional barcode format, and the amount information is included in the conventional format as well as the amount information, but the transaction ID uses the area defined as the free-use column. Can be included. Accordingly, conventional processing can be used for processing relating to barcode reading at the POS register. The barcode transmission unit 325 transmits the generated barcode to the content company system 311 together with the transaction ID. The payment information receiving unit 326 receives payment information from the POS cash register 341.

  The account number issue request receiving unit 327 receives an account number issue request including a transaction ID from the content company system 311. In response to the account number issuance request, the payee-dedicated account assignment unit 328 assigns a new payee-dedicated account from the payee-dedicated account management unit 328 that manages the payee-dedicated account previously assigned by the bank. It is stored together with the transaction ID in the account manager 329 dedicated to transfer. When the account dedicated for money transfer is used, the user who made the money transfer can be specified when there is money transferred to the account dedicated for money transfer. The account number transmission unit 330 transmits the assigned account number of the dedicated account for transfer to the content company system 311 together with the transaction ID. The deposit notification receiving unit 331 receives a deposit notification from the bank system 351 that the deposit has been made to a predetermined payee-dedicated account. The payment notification includes the account number of the account dedicated to the transfer to which the transfer deposit has been made and the transfer amount of the transfer deposit.

  Upon receiving the payment information from the POS cash register 341 or the payment notification from the bank system 351, the payment result transmission unit 332 transmits the transaction ID and the amount information to the content company system 311 based on the payment information or the payment notification.

  The POS cash register 341 is a register having a POS function provided in a store such as a convenience store, and is communicably connected to the service company system 321 via a network. The POS cash register 341 transmits payment information to the service company system 321 when payment is made for a predetermined barcode.

  The bank system 351 includes a billing system 352, an internet banking system 353, a deposit notification unit 354, a deposit / payment DB 355, and a deposit-dedicated account management DB 356.

  The billing system 352 processes the transfer deposit accepted by the bank branch terminal, ATM, Internet banking or the like. In particular, according to one embodiment of the present invention, the deposit transferred to the account dedicated for transfer is transferred to the account associated with the account dedicated for transfer with reference to the account DB 356 dedicated to transfer. The transfer deposit DB 355 stores transfer deposit data. The internet banking system 353 provides a deposit / payment function via the Internet. The payment notification unit 354 transmits a payment notification to the service company system 321 when the transfer payment addressed to a predetermined account for transfer is processed.

  Each functional unit of the content company system 311, the service company system 321, and the bank system 351 described above can be implemented by one or a plurality of computers. The one or more computers are controlled in a centralized manner by a processing device (CPU) executing a computer program stored in a storage device such as a memory, thereby realizing the functions of the functional units. Further, the content company system 311 and the service company system 321 can be regarded as a system that realizes the prepaid payment method according to an embodiment of the present invention as a unit.

  FIG. 4 shows a detailed processing flow of the prepaid payment method according to the embodiment of the present invention. This prepaid payment method is a prepaid payment method using a barcode displayed on a mobile terminal.

  In step 401, the user terminal 301 receives a payment method selected and input by the user to charge a balance such as electronic money. In this prepaid payment method, the user selects cash at a convenience store, specifies the charge amount as the amount information, and inputs it to the user terminal 301. In step 403, the user terminal 301 transmits a charge request including the user ID of the user, the input settlement method, and amount information to the content company system 311.

  Next, in step 405, the content company system 311 receives the charge request transmitted from the user terminal 301. In step 407, the content company system 311 generates a transaction ID corresponding to the received charge request, and stores the generated transaction ID in association with the user ID. Next, in step 409, a bar code issue request including the amount information and transaction ID included in the charge request is transmitted to the service company system 321.

  Next, in step 411, the service company system 321 receives a barcode issue request from the content company system 311. In step 413, the service company system 321 generates a barcode including the amount information and the transaction ID from the barcode issuance request. In step 415, the service company system 321 transmits the transaction ID and the generated barcode to the content company 311.

  In step 417, the content company system 311 receives the transaction ID and the barcode from the service company system 321. In step 418, the content company 311 stores the received barcode in association with the corresponding user ID based on the received transaction ID. In step 419, the content company system 311 transmits the barcode to the user terminal 301 corresponding to the user ID.

  In step 421, the user terminal 301 receives a barcode from the content company system 311. In step 423, the user goes to the convenience store and presents the bar code displayed on the user terminal 301 to the store clerk.

  In step 425, the store clerk at the convenience store reads the barcode with the barcode reader of the POS cash register 341, and settles the amount of money encoded in the barcode. The user settles the presented amount in cash. When the settlement is completed, in step 427, the POS register 341 transmits the settlement amount information and the transaction ID encoded in the barcode to the service company system 321.

  In step 429, the service company system 321 receives the amount information and the transaction ID from the POS cash register 341. Next, in step 431, the service company system 321 transmits the received money amount information and transaction ID to the content company system 311.

  In step 433, the content company system 311 receives the transaction ID and the amount information. Next, in step 435, the content company system 311 charges the received amount to the balance of the user ID associated with the transaction ID. When the balance is charged in the content company system 311, the user can use the balance to purchase desired content provided in an application or a PC site.

  As described above, according to the prepaid payment method according to an embodiment of the present invention, a bar code is displayed on a mobile terminal instead of a medium such as a prepaid card printed with a bar code and a money number, and a POS register is displayed. By making a payment, it is possible to charge a balance such as electronic money. According to this prepaid settlement method, it is not necessary to actually create a prepaid card and deliver it to the store, and it is not necessary to display the prepaid card at the store. In addition, it can be prevented from being lost after the prepaid card is created and sold. Furthermore, it is not necessary for the user to search for a desired prepaid card from among a wide variety of prepaid cards displayed in the store, and the balance is automatically charged even after settlement. There is no need to enter a money number. In addition, the risk of losing the purchased prepaid card can be eliminated for the user. Briefly, the prepaid payment method is characterized in that it provides further convenience to the conventional prepaid card by providing the prepaid card electronically on the mobile terminal.

  FIG. 5 shows a detailed processing flow of another prepaid payment method according to an embodiment of the present invention. This prepaid payment method is a prepaid payment method that uses a transfer to a bank account to charge a balance.

  In step 501, the user terminal 301 receives a prepaid payment method selected and input by the user to charge a balance such as electronic money. In this prepaid payment method, the user selects bank transfer payment and inputs it to the user terminal 301. In step 503, the user terminal 301 transmits a charge request including the user ID of the user and the input settlement method to the content company system 311.

  Next, in step 505, the content company system 311 receives the charge request transmitted from the user terminal 301. In step 507, the content company system 311 generates a transaction ID corresponding to the received charge request, and stores the generated transaction ID in association with the user ID. Next, in step 509, an account number issue request including the transaction ID is transmitted to the service company system 321.

  Next, in step 511, the service company system 321 receives an account number issue request from the content company system 311. In step 513, the content company system 321 assigns an account number of a new account dedicated for transfer to a transaction ID included in the account number issue request. The bank account dedicated for transfer is an account assigned in advance by a bank, and a plurality of bank accounts dedicated for bank transfer are stored and managed by the service company system 321. In a bank, when there is a deposit in a dedicated account for transfer, it is automatically deposited into a predetermined collecting account. The content company system 311 can identify the user who has made the payment by storing the account number of the bank account dedicated for transfer and the user ID in association with the bank account dedicated for the bank transfer.

  Next, in step 515, the service company system 321 transmits the transaction ID and the assigned transfer account number to the content company system 311.

  In step 517, the content company system 311 receives the transaction ID and account number from the service company system 321. In step 519, the content company system 311 stores the received account number in association with the corresponding user ID based on the received transaction ID. In step 521, the content company system 311 transmits the account number to the user terminal 301 corresponding to the user ID.

  In step 523, the user terminal 301 receives an account number from the content company system 311. In step 525, the user transfers money to the account number displayed on the user terminal 301. Deposits can be made by internet banking, ATM, bank store, etc., and are not limited to a specific channel.

  In step 527, the bank system 351 performs a transfer process and stores the transfer deposit data for the account dedicated for transfer. The bank system 351 stores a plurality of deposit-dedicated accounts assigned to the service company, and when the deposit is made to the deposit-dedicated account, in step 529, the bank system 351 performs the deposit. The payment notice including the account number of the transferred dedicated account and the transferred money amount information of the transferred payment is transmitted to the service company system 321.

  In step 531, the service company system 321 receives a payment notice from the bank system 351. In step 533, the service company system 321 transmits the transaction ID corresponding to the account number included in the payment notice and the money amount information to the content company system 311.

  In step 535, the content company system 311 receives the transaction ID and the received money amount information from the service company system 321. In step 537, the content company system 311 charges the balance of the user ID associated with the transaction ID based on the received money amount information. When the balance is charged in the content company system 311, the user can use the balance to purchase a desired product / service / content provided in an application or a PC site.

  As described above, according to another prepaid payment method according to an embodiment of the present invention, an electronic money or the like can be obtained by assigning a deposit-dedicated account to a charge request and making a deposit to the deposit-dedicated account. Can be charged. According to this prepaid settlement method, it is not necessary to actually create a prepaid card and deliver it to the store, and it is not necessary to display the prepaid card at the store. Moreover, the risk of losing the card between the time the prepaid card is created and the time it is sold can be eliminated. Furthermore, it is not necessary for the user to search for a desired prepaid card from among a wide variety of prepaid cards displayed in the store, and the balance is automatically charged even after settlement. There is no need to enter a money number. In addition, the risk of losing the purchased prepaid card can be eliminated for the user. In addition, by using internet banking for deposit, it becomes possible to charge the balance without going to the store.

DESCRIPTION OF SYMBOLS 101 User 102 Content company 103 Service company 104 Store 201 Bank system 202 Internet banking system 300 Payment system 301 User terminal 302 Application 311 Content company system 312 Charge request reception part 313 Barcode issue request transmission part 314 Account number issue request transmission part 315 Barcode reception unit 316 Account number reception unit 317 Customer management DB
318 Settlement result reception unit 321 Service company system 322 Barcode issue request reception unit 323 Barcode generation unit 324 Barcode management unit 325 Barcode transmission unit 326 Settlement information reception unit 327 Account number issue request reception unit 328 Transfer-dedicated account assignment unit 329 Dedicated account management unit for transfer 330 Account number transmission unit 331 Payment notification reception unit 332 Settlement result transmission unit 341 POS register 351 Bank system 352 Account system 353 Internet banking system 354 Payment notification unit 355 Transfer payment DB
356 Account management DB dedicated to bank transfer
601 content company 602 card making company 603 store 604 user

Claims (4)

A prepaid payment system including a content company system that provides content and a service company system that provides at least a payment service for charging a balance available for purchase of the content,
Means for transmitting, to the service company system, a bar code issuance request including a transaction ID and amount information for identifying a balance charge request from the user according to a settlement method selected by the user.
In response to the received barcode issue request, the service company system generates a barcode including the transaction ID and the amount information, and transmits the barcode to the content company system;
Means for the content company system to transmit the received barcode to a mobile terminal;
Means for receiving the transaction ID and the amount information included in the barcode and transmitting to the content company system after the service company system is settled with the barcode;
The content company system comprises means for receiving the transaction ID and the amount information and charging the balance of the user identified according to the transaction ID according to the amount information. Prepaid payment system. Means for the content company system to send an account number issuance request to the service company system in accordance with the payment method selected by the user;
In response to the received account number issue request, the service company system allocates a dedicated account for transfer, and transmits the account number of the allocated dedicated account for transfer to the content company system;
Means for the content company system to transmit the received account number to the mobile terminal;
Means for the service company system to receive a notice of payment to the account dedicated for transfer;
The service company system, based on the payment notification, means for transmitting the amount of money transferred to the account dedicated for money transfer to the content company system;
The prepaid payment system according to claim 1 , wherein the content company system further comprises means for receiving the transfer amount and charging the balance. A prepaid payment method in a prepaid payment system, comprising: a content company system that provides content; and a service company system that provides a payment service for charging at least a balance available for purchase of the content,
The content company system sends a barcode issuance request including a transaction ID and amount information identifying the balance charge request from the user to the service company system according to a payment method selected by the user;
In response to the received barcode issue request, the service company system generates a barcode including the transaction ID and the amount information, and transmits the barcode to the content company system;
The content company system transmits the received barcode to a mobile terminal;
After the settlement with the barcode, the service company system receives the transaction ID and the amount information included in the barcode, and transmits to the content company system;
The content company system receives the transaction ID and the amount information, and charges the balance of the user identified according to the transaction ID according to the amount information. The content company system sends an account number issue request to the service company system in accordance with the payment method selected by the user;
In response to the received account number issuance request, the service company system allocates a dedicated account for transfer, and transmits the account number of the allocated dedicated account for transfer to the content company system;
The content company system transmits the received account number to the mobile terminal;
The service company system receives a payment notification to the account for transfer,
The service company system, based on the payment notification, sending the transfer amount to the transfer dedicated account to the content company system;
The prepaid settlement method according to claim 3 , further comprising: the content company system receiving the transfer amount and charging the balance.