JP6166748B2 - Transaction settlement system, transaction settlement method, and transaction settlement program - Google Patents

Description

  Some aspects according to the present invention relate to, for example, a transaction settlement system, a transaction settlement method, and a transaction settlement program that settle a transaction based on a settlement process with a settlement organization system.

  Conventionally, as this type of system, a vending machine system composed of a mobile communication terminal, a vending machine that automatically sells products, and a payment processing device that processes price settlement, are connected via a communication network. Is known (see, for example, Patent Document 1). This vending machine system processes price settlement between a vending machine and a payment processing apparatus via a communication network.

JP 2003-151014 A

  However, in the system described in Patent Document 1, it is necessary for the vending machine to bear the equipment cost for communicating with the settlement processing device and the communication cost for processing the price settlement. In addition, when communicating between a mobile communication terminal and a vending machine, the owner of the mobile communication terminal may provide personal information in connection with payment, while personal information may be leaked. The vending machine needed to manage this personal information appropriately, and it took time and cost.

  Some aspects of the present invention have been made in view of the above-described problems, and can improve the safety of personal information of a mobile communication terminal and reduce the cost of a transaction device such as a vending machine. An object is to provide a transaction settlement system, a transaction settlement method, and a transaction settlement program.

A transaction settlement system according to an aspect of the present invention is a transaction settlement system that settles a transaction based on a settlement process with a settlement organization system, and is a mobile communication terminal that can communicate with the settlement organization system via a communication network And a transaction apparatus that performs transactions based on the processing result of the payment process, the transaction apparatus includes a wireless communication unit that can wirelessly communicate with the mobile communication terminal, and the mobile communication terminal is connected to the payment institution system. A communication is established between the transaction apparatus and the transaction apparatus based on settlement identification data transmitted from the transaction apparatus, and a second communication path different from the first communication path is established between the transaction apparatus and the transaction apparatus. A transaction establishment unit, and a payment processing execution unit that executes a payment process via the first communication path based on the payment identification data , and the transaction device moves the processing result of the payment process via the second communication path. Receive from mobile communication terminal

In the transaction settlement system, a communication channel establishment unit establishes a temporary communication path between the transaction device based on the settlement identification data as second communication path, the transaction device, settlement processing via the temporary channel the processing result may be received from the moving body communication terminal.

  In the transaction settlement system, the temporary communication path may communicate in an ad hoc mode.

  In the transaction settlement system, the settlement identification data includes settlement amount information, and the mobile communication terminal performs an approval process with the settlement institution system via the communication network based on the settlement identification data before the settlement process. And an approval process execution unit that executes the process, and a settlement process confirmation unit that confirms whether or not to execute the settlement process based on the result of the approval process and the payment amount information.

  The transaction settlement system includes a plurality of transaction devices, one of the plurality of transaction devices transmits settlement identification data, and the other transaction device of the plurality of transaction devices receives a processing result of the settlement process. You may receive from a mobile communication terminal.

A transaction settlement method according to an aspect of the present invention is a transaction settlement method for settlement of a transaction based on a settlement process with a settlement institution system, and is a mobile communication terminal capable of communicating with the settlement institution system via a communication network but transaction apparatus based on the settlement identification data to establish a first communication path for communicating over the communications network is transmitted traded instrumentation placed al conduct transactions on the basis of the settlement process of the processing result between the clearing house system an execution step of executing the establishing step of establishing a different second communication path, the settlement processing via a first communication path on the basis of the settlement identification data from the first communication path between the transaction device, the second A receiving step of receiving a processing result of the settlement process from the mobile communication terminal via the communication path .

In the transaction settlement method, the establishing step establishes a temporary communication path as a second communication path with the transaction apparatus based on the settlement identification data, and the reception step includes the transaction apparatus performing a settlement process via the temporary communication path. May be received from the mobile communication terminal.

  In the transaction settlement method, the temporary communication path may communicate in an ad hoc mode.

  In the transaction settlement method, the settlement identification data includes settlement amount information, and before the execution step, the mobile communication terminal performs an authorization process with the settlement organization system via the communication network based on the settlement identification data. And a step of confirming whether or not the mobile communication terminal executes the payment process based on the result of the approval process and the payment amount information.

  In the transaction settlement method, the settlement identification data is transmitted by one transaction device among the plurality of transaction devices, and the receiving step receives the processing result of the settlement process by the other transaction device among the plurality of transaction devices as a mobile object. You may receive from a communication terminal.

A transaction settlement program according to an aspect of the present invention is a transaction settlement program that settles a transaction based on a settlement process with a settlement institution system, and is a mobile communication terminal that can communicate with the settlement institution system via a communication network but via said communication network to establish a first communication path for communication with on the basis of the settlement process of the processing result based on the settlement identification data transmitted et placed transactions instrumentation for performing a transaction between the clearing house system An establishment step of establishing a second communication path different from the first communication path with the transaction apparatus, an execution step of executing a payment process via the first communication path based on the payment identification data, and a transaction apparatus Includes a receiving step of receiving a processing result of the settlement process from the mobile communication terminal via the second communication path .

  According to the transaction settlement system, the transaction settlement method, and the transaction settlement program in one aspect of the present invention, a mobile communication terminal that can communicate with a settlement institution system via a communication network performs a transaction based on a processing result of a settlement process. Based on payment identification data transmitted from a transaction apparatus that is a transaction apparatus that can communicate wirelessly with a mobile communication terminal, a payment process is executed via a communication network. As a result, the mobile communication terminal, for example, executes a payment process with the payment institution system without providing personal information of the owner of the mobile communication terminal such as a name and a credit card number to the transaction device. Is possible. Further, since the payment processing with the payment institution system is executed via a communication network, the mobile communication terminal does not need to have communication technology such as NFC (Near Field Communication) or FeliCa. Further, the transaction apparatus receives the processing result of the settlement process from the mobile communication terminal. Thereby, the transaction apparatus can receive the processing result of the payment processing without directly communicating with the payment institution system. Therefore, the safety of the personal information of the owner of the mobile communication terminal can be improved, and the management cost of personal information and the communication cost with the settlement institution system that have conventionally been borne by the transaction device can be reduced. Can do.

It is a lineblock diagram showing an example of schematic structure of a transaction settlement system according to a 1st embodiment. It is a block diagram explaining an example of a structure of the mobile communication terminal according to 1st Embodiment. It is a block diagram explaining an example of the structure of the transaction apparatus according to 1st Embodiment. It is a flowchart explaining an example of schematic operation | movement of the transaction payment system according to 1st Embodiment. It is a figure explaining the 1st Example of operation of the transaction settlement system according to a 1st embodiment. It is a figure explaining the 2nd Example of operation | movement of the transaction settlement system according to 1st Embodiment. It is a block diagram which shows the other example of schematic structure of the transaction payment system according to 1st Embodiment. It is a block diagram which shows the further another example of schematic structure of the transaction settlement system according to 1st Embodiment. It is a block diagram which shows an example of schematic structure of the transaction settlement system according to 2nd Embodiment. It is a block diagram explaining an example of a structure of the mobile communication terminal according to 2nd Embodiment. It is a block diagram explaining an example of the structure of the transaction apparatus according to 2nd Embodiment. It is a figure explaining the 3rd Example of operation of the transaction settlement system according to a 2nd embodiment. It is a block diagram which shows the other example of schematic structure of the transaction payment system according to 2nd Embodiment. It is a figure explaining the 4th example of operation of the transaction settlement system according to a 2nd embodiment.

  Embodiments of the present invention will be described below. In the following description of the drawings, the same or similar parts are denoted by the same or similar reference numerals. However, the drawings are schematic. Therefore, specific dimensions and the like should be determined in light of the following description. Moreover, it is a matter of course that portions having different dimensional relationships and ratios are included between the drawings. Furthermore, the technical scope of the present invention should not be understood as being limited to the embodiment. In the following description, the upper side of the drawing is referred to as “upper”, the lower side as “lower”, the left side as “left”, and the right side as “right”.

<First Embodiment>
1 to 8 illustrate a transaction settlement system, a transaction settlement method, and a transaction settlement program according to a first embodiment of the present invention. FIG. 1 is a configuration diagram showing an example of a schematic configuration of a transaction settlement system 100 according to the first embodiment. As shown in FIG. 1, the transaction settlement system 100 includes, for example, a mobile communication terminal 10 and a transaction apparatus 30. The transaction settlement system 100 may further include a base station B1, a radio network control station RC, a core network CN, a gateway GW, an Internet network IN, and a settlement organization system CS.

  When the transaction is started, transaction device 30 transmits data, and mobile communication terminal 10 receives data from transaction device 30. Data transmission / reception between the transaction apparatus 30 and the mobile communication terminal 10 is performed by wireless communication. Details of the mobile communication terminal 10 and the transaction apparatus 30 will be described later.

  The base station B1 is configured to relay voice and data from the mobile communication terminal 10 located within the communicable range to the core network CN. The mobile communication terminal 10 and the base station B1 communicate wirelessly, for example, a wireless LAN such as Wi-Fi (Wireless Fidelity), or a mobile line such as 3G (3rd Generation) or LTE (Long Term Evolution). (Mobile phone line) can be used.

  The radio network control station RC is connected to the core network CN and to the base station B1. The radio network control station RC is configured to control radio communication via the base station B1, and performs, for example, control of outgoing / incoming calls, line connection, location registration, and handover of the mobile communication terminal 10.

  The core network CN is, for example, a network managed and operated by a mobile communication carrier. The core network CN is connected to another communication network such as the Internet network IN via the gateway GW.

  The gateway GW is configured to restrict access from the Internet network IN, for example. The gateway GW may have functions such as a proxy server and a firewall.

  The Internet network IN is a network conforming to the TCP / IP protocol. A settlement institution system CS is connected to the Internet network IN. The settlement institution system CS is configured to receive a settlement request (request) transmitted via the Internet network IN and perform settlement processing. The settlement institution system CS transmits the result of the settlement process to the sender of the settlement request (request) via the Internet network IN.

  The mobile communication terminal 10 is configured to be able to communicate with the settlement institution system via the core network CN and the Internet network IN. The core network CN and the Internet network IN of this embodiment correspond to an example of a “communication network” in one aspect of the present invention. The mobile communication terminal 10 is a portable information communication device such as a smartphone, a mobile phone, a personal digital assistant (PDA), a tablet terminal, a portable game machine, a portable music player, and a wearable terminal.

  FIG. 2 is a block diagram illustrating an example of the configuration of the mobile communication terminal 10 according to the first embodiment. As illustrated in FIG. 2, the mobile communication terminal 10 includes, for example, an antenna 11 and an antenna 12, a communication unit 13, a storage unit 14, an operation unit 15, a display unit 16, a control unit 17, and a power supply unit. 18. The mobile communication terminal 10 further includes a bus 19 configured to transmit signals and data between the units of the mobile communication terminal 10.

  In this embodiment, the example shown in FIG. 2 was shown as the mobile communication terminal 10, but it is not limited to this. The mobile communication terminal 10 includes, for example, various sensors such as a GPS (Global Positioning System) receiver, an orientation sensor, a gravity sensor, a temperature sensor, and an acceleration sensor, various devices such as a microphone, a speaker, a camera, and a light, and connection terminals. May further include at least one of input / output interfaces including

  The antenna 11 is configured to radiate (radiate) and receive radio waves (electromagnetic waves), for example, in a frequency band of 2.1 [GHz] or 900 [MHz]. The antenna 12 is configured to be able to radiate (radiate) and receive radio waves (electromagnetic waves) in a frequency band of 2.4 [GHz] band or 5 [GHz] band, for example.

  The communication unit 13 is connected to the antenna 11. The communication unit 13 is configured to perform communication using the antenna 11 based on a mobile communication system such as a third generation mobile communication system (3G) standard or a fourth generation mobile communication system (4G) standard. Has been. Specifically, the communication unit 13 is configured to establish a communication path (line) with the base station B1 illustrated in FIG. 1 to perform communication, and to connect to the core network CN illustrated in FIG. . When connected to the core network CN, the communication unit 13 communicates with other communication devices connected to the core network CN, such as the gateway GW and the clearinghouse system CS connected to the core network CN via the Internet network IN. Data (information) can be communicated (transmitted and received).

  The communication unit 13 is also connected to the antenna 12. The communication unit 13 is configured to perform communication using the antenna 12 based on a wireless communication method such as Bluetooth (registered trademark), wireless LAN (Local Area Network), Zigbee (registered trademark), or the like. . Specifically, the communication unit 13 is configured to establish a communication path (line) with the transaction apparatus 30 illustrated in FIG. 1 and perform communication. When communicating with the transaction apparatus 30 based on Bluetooth (registered trademark), the communication unit 13 preferably conforms to, for example, a BLE (Bluetooth Low Energy) standard. Thereby, the mobile communication terminal 10 and the transaction apparatus 30 can communicate with low power.

  The storage unit 14 is configured to store programs and data. The storage unit 14 stores in advance various programs executed by the control unit 17 and data necessary for executing the programs. In addition, the storage unit 14 stores personal information regarding the owner of the mobile communication terminal 10. Personal information includes information such as name, age, date of birth, gender, postal code, address, telephone number, e-mail address, image (photo), identification information (ID), password, credit card information, etc. Yes.

  The operation unit 15 is configured to be able to input information by a user (user) operation. The operation unit 15 can be configured to include, for example, a touch panel, buttons, a keyboard, a keypad, and the like. In the case of this example, when a user (user) operates a touch panel, a button, a keyboard, a keypad, etc., for example, the control unit 17 generates data corresponding to the operation, so that the mobile communication terminal 10 It becomes possible to input information.

  The display unit 16 is configured to output information. The display unit 16 can include a display device such as a liquid crystal display, an EL (Electro Luminescence) display, or a plasma display, for example. In the case of this example, the display unit 16 can output information by displaying image data (still image data) and video data (moving image data) on a display device.

  The control unit 17 is configured to control the operation of each unit of the mobile communication terminal 10 such as the communication unit 13, the storage unit 14, the operation unit 15, and the display unit 16. The control unit 17 can be configured to include, for example, a processor such as a CPU (Central Processing Unit) and a memory such as a ROM (Read Only Memory), a RAM (Random Access Memory), and a buffer. The control unit 17 includes, for example, a communication path establishment unit 17a, an approval processing execution unit 17b, a payment processing confirmation unit 17c, and a payment processing execution unit 17d as functional configurations.

  The communication path establishment unit 17a is configured to establish a temporary communication path with the transaction apparatus 30 based on payment identification data described later transmitted from the transaction apparatus 30 shown in FIG. When the antenna 12 and the communication unit 13 receive the payment identification data from the transaction device 30 and output it to the control unit 17, the communication path establishment unit 17a, for example, receives an ACK signal indicating that the payment identification data has been normally received. It transmits to the transaction apparatus 30 and establishes a temporary communication path with the transaction apparatus 30. The temporary communication path is preferably an ad hoc mode communication path. Here, the ad hoc mode is one of the operation modes of the wireless LAN, for example, and directly communicates without going through the access point with respect to the infrastructure mode in which communication is performed through the access point that controls the communication path. This is the mode (form) to perform. The ad hoc mode is not limited to the wireless LAN, and may be another wireless communication method such as Bluetooth (registered trademark) or Zigbee (registered trademark). Thereby, the mobile communication terminal 10 and the transaction apparatus 30 can communicate without depending on the surrounding communication environment.

  Further, the communication path establishment unit 17a is configured to establish a communication path with the settlement institution system CS shown in FIG.

  The approval process execution unit 17b executes the approval process with the payment institution system CS via the core network CN and the Internet network IN shown in FIG. 1 based on the payment identification data before the payment process. ,It is configured. Generally, before executing the settlement process, it is necessary to perform an approval process such as a credit inquiry with the settlement institution system CS, and when the result of the approval process is, for example, creditable, the settlement institution system. It becomes possible to execute settlement processing with the CS.

  The settlement process confirmation unit 17c is configured to confirm whether or not to execute the settlement process based on the processing result of the approval process and the settlement amount information included in the settlement identification data. When the antenna 11 and the communication unit 13 receive the processing result of the approval process from the settlement institution system CS and output it to the control unit 17, the settlement process confirmation unit 17c, for example, can accept the processing result of the approval process In addition, the settlement amount information is compared with a predetermined threshold value, and it is confirmed whether or not the settlement process is executed when the settlement amount information is equal to or greater than the predetermined threshold value. As the confirmation method, for example, a method of outputting a message to the display unit 16 and causing the user (user) to select (input) one of “settlement” and “settlement” via the operation unit 15 is adopted. It is possible. Moreover, the predetermined threshold value compared with the settlement amount information is, for example, a preset amount and is stored in the storage unit 14 or the like.

  The payment process execution unit 17d is configured to execute the payment process via the core network CN and the Internet network IN based on the payment identification data. Thereby, the mobile communication terminal 10 performs a payment process with the clearing house system CS without providing personal information of the owner of the mobile communication terminal 10 such as a name and a credit card number to the transaction apparatus 30. Can be executed. In addition, since the payment process with the payment institution system CS is executed via the core network CN and the Internet network IN, the mobile communication terminal 10 does not need to have a communication technology such as NFC or FeliCa.

  Each function of the control unit 17 can also be realized by a program executed by a computer (microprocessor). Accordingly, each function provided in the control unit 17 can be realized by hardware, software, or a combination of hardware and software, and is not limited to any case.

  Further, when each function of the control unit 17 is realized by software or a combination of hardware and software, the processing can be executed by multitasking, multithreading, or both multitasking and multithreading. , But not limited to either case.

  The power supply unit 18 is configured to supply power to each unit of the mobile communication terminal 10 such as the communication unit 13, the storage unit 14, the operation unit 15, the display unit 16, and the control unit 17. The power supply unit 18 can be configured to include, for example, a secondary battery (rechargeable battery).

  A transaction apparatus 30 shown in FIG. 1 is for performing transactions, that is, exchanges between a transaction object and a commodity with the mobile communication terminal 10 or the owner of the mobile communication terminal 10. The transaction object provided by the transaction apparatus 30 is, for example, provision of goods (articles), programs, data, services, labor, etc., regardless of whether they are tangible or intangible. Further, money items received by the transaction apparatus 30 include data such as settlement information. Transaction device 30 is configured to perform a transaction based on the processing result of the settlement process. The transaction device 30 is, for example, a device such as a vending machine or a register (cash register).

  FIG. 3 is a block diagram for explaining an example of the configuration of the transaction apparatus 30 according to the first embodiment. As illustrated in FIG. 3, the transaction apparatus 30 includes, for example, an antenna 31, a wireless communication unit 32, a storage unit 33, an operation unit 34, a control unit 35, and a power supply unit 36. Transaction device 30 further includes a bus 37 configured to transmit signals and data between the components of transaction device 30.

  In this embodiment, although the example shown in FIG. 3 as the transaction apparatus 30 was shown, it is not limited to this. The transaction apparatus 30 outputs, for example, means for processing coins and banknotes, means for storing and carrying out a transaction object, means for inputting information such as a barcode, and printed matter such as a receipt. In addition, at least one of the above-mentioned means and the means for displaying information may be further provided.

  The antenna 31 is configured to radiate (radiate) and receive radio waves (electromagnetic waves) in a frequency band of 2.4 [GHz] band or 5 [GHz] band, for example.

  The wireless communication unit 32 is connected to the antenna 31. The wireless communication unit 32 is configured to perform communication using the antenna 31 based on a wireless communication method such as Bluetooth (registered trademark), wireless LAN, or Zigbee (registered trademark). Specifically, the wireless communication unit 32 is configured to establish communication with the mobile communication terminal 10 shown in FIG. 1 and perform communication. When performing communication with the mobile communication terminal 10 based on Bluetooth (registered trademark), the wireless communication unit 32 preferably conforms to, for example, the BLE standard. Thereby, the mobile communication terminal 10 and the transaction apparatus 30 can communicate with low power.

  The storage unit 33 is configured to store programs and data. The storage unit 33 stores in advance various programs executed by the control unit 35 and data necessary for executing the programs. The storage unit 33 stores identification information unique to the wireless communication unit 32, such as a MAC address.

  The operation unit 34 is configured to be able to input information by a user (user) operation. The operation unit 34 can include, for example, a touch panel, buttons, a keyboard, a keypad, and the like. In the case of this example, when a user (user) operates a touch panel, a button, a keyboard, a keypad, and the like, for example, the control unit 35 generates data corresponding to the operation, thereby providing information to the transaction apparatus 30. It becomes possible to input.

  The control unit 35 is configured to control the operation of each unit of the transaction apparatus 30 such as the wireless communication unit 32, the storage unit 33, and the operation unit 34. The control unit 35 can include, for example, a processor such as a CPU and a memory such as a ROM, a RAM, and a buffer. The control part 35 is provided with the transaction start part 35a and the transaction completion part 35b as the function structure, for example.

  The transaction start unit 35a is configured to transmit settlement identification data with the start of transaction as a trigger. The trigger for starting the transaction is, for example, when a transaction object is selected by input to the operation unit 34. When the transaction is started, the transaction start unit 35a generates settlement identification data based on the data stored in the storage unit 33. The generated payment identification data is intermittently transmitted, for example, at a predetermined cycle via the wireless communication unit 32 and the antenna 31.

  The payment identification data includes, for example, payment identification information and payment amount information. The payment identification information is, for example, a UUID (Universally Unique Identifier), and is generated by combining the identification information of the wireless communication unit 32 stored in the storage unit 33 and the date and time of occurrence of the transaction as an example. The settlement amount information is, for example, the settlement amount of the transaction object.

  The transaction completion unit 35b is configured to complete or cancel the transaction with the reception of the processing result of the settlement process as a trigger. The transaction completion unit 35b provides, for example, a transaction object when the processing result of the payment processing received via the antenna 31 and the wireless communication unit 32 is payment completion, for example.

  Each function of the control unit 35 can also be realized by a program executed by a computer (microprocessor). Therefore, each function with which control part 35 is provided is realizable by hardware, software, or a combination of hardware and software, and is not limited to either case.

  When each function of the control unit 35 is realized by software or a combination of hardware and software, the processing can be executed by multitasking, multithreading, or both multitasking and multithreading. , But not limited to either case.

  The power supply unit 36 is configured to supply power to each unit of the transaction apparatus 30 such as the wireless communication unit 32, the storage unit 33, the operation unit 34, and the control unit 35. The power supply unit 36 can be configured to include, for example, a secondary battery (rechargeable battery).

  Next, a schematic operation of the transaction settlement system 100 of this embodiment will be described.

  FIG. 4 is a flowchart illustrating an example of a schematic operation of transaction settlement system 100 according to the first embodiment. For example, when a transaction target is selected by a user (user) operation on the operation unit 34 of the transaction apparatus 30, the transaction apparatus 30 and the mobile communication terminal 10 execute a transaction settlement process S200 shown in FIG.

  First, the transaction start unit 35a of the transaction apparatus 30 generates payment identification data, and transmits the generated payment identification data via the wireless communication unit 32 and the antenna 31 (S201).

  Next, the approval processing execution unit 17b of the mobile communication terminal 10 uses the core network CN and the Internet network IN shown in FIG. 1 based on the payment identification data from the transaction apparatus 30 received via the antenna 12 and the communication unit 13. Then, an approval process is executed with the settlement institution system CS shown in FIG. 1 (S202).

  Next, when the payment processing confirmation unit 17c of the mobile communication terminal 10 receives the approval result data of the approval processing transmitted from the payment institution system CS via the antenna 11 and the communication unit 13, based on the approval result data. Then, it is determined whether or not the settlement process can be executed (S203). For example, the settlement process confirmation unit 17c determines that the settlement process can be executed when the approval result data indicates that credit is possible, and the settlement process cannot be performed when the process result data indicates that credit is not possible. judge.

  As a result of the determination in S203, when the payment process can be executed, the payment process confirmation unit 17c of the mobile communication terminal 10 performs the payment process based on data input by the user (user) via the operation unit 15. It is determined whether or not to execute (S204). If the payment amount information included in the payment identification data is less than a predetermined threshold, the payment processing confirmation unit 17c may determine that the payment processing is to be executed without performing step S204.

  As a result of the determination in S204, when executing the payment process, the payment process execution unit 17d of the mobile communication terminal 10 executes the payment process with the payment institution system CS via the core network CN and the Internet network IN. (S205).

  Next, when the settlement processing execution unit 17d of the mobile communication terminal 10 receives the settlement result data transmitted from the settlement institution system CS via the antenna 11 and the communication unit 13, the settlement process execution unit 17d receives the settlement result data from the communication unit 13 and the antenna. The transaction completion unit 35b of the transaction apparatus 30 receives the settlement result data via the antenna 31 and the wireless communication unit 32 (S206). As a result, the transaction apparatus 30 can receive the processing result of the settlement process without directly communicating with the settlement institution system CS.

  Next, the transaction completion unit 35b of the transaction device 30 completes the transaction based on the settlement result data (S207). For example, when the settlement result data indicates that the settlement is completed, the transaction completion unit 35b provides, for example, a transaction object as the transaction is completed. On the other hand, for example, when the settlement result data indicates that the settlement is not completed, the transaction completion unit 35b does not provide the transaction object, for example, assuming that the transaction is not completed.

  After step S207, transaction device 30 and mobile communication terminal 10 end transaction settlement processing S200.

  On the other hand, if the settlement process is not executable as a result of the determination in S203, or if the settlement process is not performed as a result of the determination in S204, the settlement process is not performed. Therefore, the transaction apparatus 30 and the mobile communication terminal 10 execute a payment cancellation process (S208). In the payment cancellation process, the mobile communication terminal 10 transmits, for example, payment cancellation data indicating payment cancellation to the transaction apparatus 30.

  After step S208, transaction device 30 and mobile communication terminal 10 end transaction settlement processing S200.

  In the present embodiment, the example shown in FIG. 4 is shown as the transaction settlement process S200, but the present invention is not limited to this. The transaction settlement process S200 may omit the approval process executed in advance of the settlement process. In this case, the transaction settlement process S200 does not include the steps of S202 and S203.

  Next, an example of the operation of the transaction settlement system 100 of the present embodiment will be described.

(First embodiment)
FIG. 5 is a diagram for explaining a first example of the operation of the transaction settlement system 100 according to the first embodiment. In FIG. 5, S201 to S207 represent the corresponding steps of the transaction settlement process S200 shown in FIG. In addition, a solid arrow indicates online processing, and a broken arrow indicates offline processing. As shown in FIG. 5, for example, when a product that is a transaction object is selected as the start of a transaction, the transaction start unit 35a of the transaction device 30 transmits settlement identification data.

  When the mobile communication terminal 10 is arranged close to or in contact with the transaction apparatus 30, the communication path establishment unit 17 a of the mobile communication terminal 10 receives the payment identification data transmitted from the transaction apparatus 30. Then, the communication path establishment unit 17a of the mobile communication terminal 10 establishes a communication path via the core network CN and the Internet network IN with the settlement institution system CS. Thereby, the mobile communication terminal 10 can communicate with the settlement institution system CS via the communication unit 13 and the antenna 11.

  Next, the communication path establishment unit 17a of the mobile communication terminal 10 reads necessary personal information from the storage unit 14, generates payment personal data, and transmits it to the payment institution system CS. Information included in the payment personal data depends on the specification (standard) of the payment institution system CS. Part or all of the information included in the settlement personal data may be input by the user (user) via the operation unit 15.

  At the same time, the communication path establishment unit 17a of the mobile communication terminal 10 establishes a temporary communication path with the transaction apparatus 30 and transmits an ACK signal.

  When the transaction start unit 35a of the transaction apparatus 30 receives the ACK signal, it generates credit inquiry data, and transmits the credit inquiry data using the established temporary communication path. The approval process execution unit 17b of the mobile communication terminal 10 transmits the received credit inquiry data to the clearing house system CS as it is. As described above, the mobile communication terminal 10 transmits the credit inquiry data as it is to the settlement institution system CS, thereby reducing the possibility that the credit inquiry data of the transaction apparatus 30 is changed due to tampering or the like, and the safety of the credit inquiry data. It becomes possible to improve the property.

  Similar to the payment identification data, the credit inquiry data includes, for example, payment identification information and payment amount information. The transaction start unit 35a of the transaction apparatus 30 preferably encrypts the credit inquiry data using a predetermined encryption technique.

  The clearing house system CS that has received the settlement personal data and the credit inquiry data determines whether or not credit is possible based on the settlement personal data and the credit inquiry data. The clearinghouse system CS transmits credit result data indicating the result of credit judgment to the mobile communication terminal 10.

  Upon receiving the credit result data, the settlement process confirmation unit 17c of the mobile communication terminal 10 determines whether or not the settlement process can be executed based on the credit result data.

  Next, the payment processing confirmation unit 17 c of the mobile communication terminal 10 determines whether or not the payment processing can be performed based on data input by the user (user) via the operation unit 15.

  Although illustration in FIG. 5 is omitted, as a result of the determination, when the payment process is not executable or when the payment process is not executed, the payment cancellation process shown in S208 of FIG. 4 is executed, and the mobile communication terminal 10 transmits settlement cancellation data to the transaction apparatus 30.

  As a result of the determination, when the payment process can be executed and the payment process is executed, the payment process execution unit 17d of the mobile communication terminal 10 transmits the payment request data (request data) to the payment institution system CS.

  The settlement institution system CS that has received the settlement request data (request data) performs settlement and transmits settlement result data to the mobile communication terminal 10.

  When payment result data is received from the payment institution system CS, the payment processing execution unit 17d of the mobile communication terminal 10 transmits the received payment result data to the transaction apparatus 30 as it is using the established temporary communication path. In this way, the mobile communication terminal 10 transmits the settlement result data as it is to the transaction apparatus 30, thereby reducing the possibility that the settlement result data of the settlement institution system CS will be changed due to tampering, etc. It becomes possible to improve the property.

  When the transaction completion unit 35b of the transaction apparatus 30 receives the settlement result data, the transaction completion unit 35b provides the product that is the transaction object and completes the transaction.

  The online processing time indicated by the solid line arrow in FIG. 5 is usually about 0.5 to 1 second, and even a long time is a few seconds, excluding the user (user) input waiting time. Therefore, the transaction apparatus 30 and the mobile communication terminal 10 execute the settlement cancellation process of S208 shown in FIG. 4 when the processing time of the online processing has exceeded a predetermined time, for example, about 10 seconds. Also good.

(Second embodiment)
FIG. 6 is a diagram for explaining a second example of the operation of the transaction settlement system 100 according to the first embodiment. In FIG. 6, S201 to S207 represent the corresponding steps of the transaction settlement process S200 shown in FIG. In addition, a solid arrow indicates online processing, and a broken arrow indicates offline processing. As shown in FIG. 6, for example, when a product that is a transaction object is selected as the start of a transaction, the transaction start unit 35a of the transaction device 30 transmits settlement identification data.

  When the mobile communication terminal 10 is arranged close to or in contact with the transaction apparatus 30, the communication path establishment unit 17 a of the mobile communication terminal 10 receives the payment identification data transmitted from the transaction apparatus 30. Then, the communication path establishment unit 17a of the mobile communication terminal 10 establishes a communication path via the core network CN and the Internet network IN with the settlement institution system CS. Thereby, the mobile communication terminal 10 can communicate with the settlement institution system CS via the communication unit 13 and the antenna 11.

  Next, the communication path establishment unit 17a of the mobile communication terminal 10 reads necessary personal information from the storage unit 14, generates payment personal data, and transmits it to the payment institution system CS. Information included in the payment personal data depends on the specification (standard) of the payment institution system CS. Part or all of the information included in the settlement personal data may be input by the user (user) via the operation unit 15.

  The approval process execution unit 17b of the mobile communication terminal 10 generates credit inquiry data, and transmits the generated credit inquiry data to the clearinghouse system CS.

  Similar to the payment identification data, the credit inquiry data includes, for example, payment identification information and payment amount information.

  The clearing house system CS that has received the settlement personal data and the credit inquiry data determines whether or not credit is possible based on the settlement personal data and the credit inquiry data. The clearinghouse system CS transmits credit result data indicating the result of credit judgment to the mobile communication terminal 10.

  Upon receiving the credit result data, the settlement process confirmation unit 17c of the mobile communication terminal 10 determines whether or not the settlement process can be executed based on the credit result data.

  Next, the payment processing confirmation unit 17 c of the mobile communication terminal 10 determines whether or not the payment processing can be performed based on data input by the user (user) via the operation unit 15.

  Although illustration in FIG. 6 is omitted, as a result of the determination, when the payment process is not executable or when the payment process is not executed, the payment cancellation process shown in S208 of FIG. 4 is executed, and the mobile communication terminal 10 transmits settlement cancellation data to the transaction apparatus 30.

  As a result of the determination, when the payment process can be executed and the payment process is executed, the payment process execution unit 17d of the mobile communication terminal 10 transmits the payment request data (request data) to the payment institution system CS.

  The settlement institution system CS that has received the settlement request data (request data) performs settlement and transmits settlement result data to the mobile communication terminal 10.

  When the settlement result data is received from the settlement institution system CS, the communication path establishment unit 17a of the mobile communication terminal 10 establishes a temporary communication path with the transaction apparatus 30 and transmits an ACK signal.

  The settlement processing execution unit 17d of the mobile communication terminal 10 transmits the received settlement result data to the transaction apparatus 30 using the established temporary communication path.

  When the transaction completion unit 35b of the transaction apparatus 30 receives the settlement result data, the transaction completion unit 35b provides the product that is the transaction object and completes the transaction.

  In this embodiment, although the transaction apparatus 30 which transmits payment identification data and the transaction apparatus 30 which receives payment result data are shown as an example, it is not limited to this.

  FIG. 7 is a configuration diagram showing another example of the schematic configuration of the transaction settlement system 100 according to the first embodiment. As shown in FIG. 7, the transaction settlement system 100 includes, for example, a mobile communication terminal 10, two transaction apparatuses, that is, a transaction apparatus 30A and a transaction apparatus 30B. In addition, since the structure of transaction apparatus 30A and transaction apparatus 30B is the same as that of the structure of the transaction apparatus shown in FIG. 3, illustration and description are abbreviate | omitted.

  In the case of this example, of the transaction apparatus 30A and the transaction apparatus 30B, the transaction apparatus 30A may transmit the payment identification data, and the transaction apparatus 30B may receive the payment result data of the payment process.

  In the present embodiment, the mobile communication terminal 10 performs an authorization process and a settlement process directly with the settlement institution system CS via the core network CN and the Internet network IN. It is not limited.

  FIG. 8 is a configuration diagram showing still another example of the schematic configuration of the transaction settlement system 100 according to the first embodiment. As shown in FIG. 8, the mobile communication terminal 10 may communicate with the clearinghouse system CS via the communication terminal T1.

  Similar to the mobile communication terminal 10, the communication terminal T1 is, for example, a smartphone, a mobile phone, a personal digital assistant (PDA), a tablet terminal, a portable game machine, a portable music player, or a wearable terminal.

  Thus, according to the transaction settlement system 100, the transaction settlement method, and the transaction settlement program of the present embodiment, the mobile communication terminal 10 that can communicate with the settlement institution system CS via the core network CN and the Internet network IN A transaction apparatus 30 for performing a transaction based on the processing result of the payment process, and based on the payment identification data transmitted from the transaction apparatus 30 capable of wireless communication with the mobile communication terminal 10, the core network CN and the Internet network IN The settlement process is executed via Thereby, the mobile communication terminal 10 performs a payment process with the clearing house system CS without providing personal information of the owner of the mobile communication terminal 10 such as a name and a credit card number to the transaction apparatus 30. Can be executed. In addition, since the payment process with the payment institution system CS is executed via the core network CN and the Internet network IN, the mobile communication terminal 10 does not need to have a communication technology such as NFC or FeliCa. Further, transaction apparatus 30 receives the processing result of the payment process from mobile communication terminal 10. As a result, the transaction apparatus 30 can receive the processing result of the settlement process without directly communicating with the settlement institution system CS. Therefore, the safety of the personal information of the owner of the mobile communication terminal 10 can be improved, and the management cost of the personal information that has been borne by the transaction apparatus 30 and the communication cost with the settlement institution system CS are conventionally reduced. Can be reduced.

Second Embodiment
9 to 14 illustrate a transaction settlement system, a transaction settlement method, and a transaction settlement program according to a second embodiment of the present invention. Unless otherwise specified, the same components as those in the first embodiment described above are denoted by the same reference numerals, and description thereof is omitted. In addition, components similar to those of the first embodiment described above are denoted by similar symbols, and detailed description thereof is omitted. Further, components and operations not shown are the same as those in the first embodiment described above.

  FIG. 9 is a configuration diagram illustrating an example of a schematic configuration of a transaction settlement system 100 ′ according to the second embodiment. As shown in FIG. 9, the transaction settlement system 100 'includes, for example, a mobile communication terminal 10' and a transaction apparatus 30 '. Further, the transaction settlement system 100 ′ may further include a base station B1, a radio network control station RC, a core network CN, a gateway GW, an Internet network IN, and a settlement agency system CS1, CS2, CS3. .

  As described above, when the transaction settlement system 100 ′ can use a plurality of settlement institution systems CS1, CS2, and CS3, a single settlement institution system is selected from the plurality of settlement institution systems CS1, CS2, and CS3 and selected. It is necessary to execute a settlement process with the settlement institution system.

  FIG. 10 is a block diagram illustrating an example of the configuration of the mobile communication terminal 10 ′ according to the second embodiment. As illustrated in FIG. 10, the mobile communication terminal 10 ′ is similar to the mobile communication terminal 10 of the first embodiment, for example, the antenna 11 and the antenna 12, the communication unit 13, the storage unit 14, and the operation unit 15, a display unit 16, a control unit 17, a power supply unit 18, and a bus 19.

  The storage unit 14 stores user (user) information for each of the settlement institution systems CS1, CS2, and CS3, instead of personal information or together with personal information. The user information includes, for example, account information such as user (user) identification information (ID), password, and credit card information.

  The control unit 17 includes an approval process execution unit 17b, a payment process confirmation unit 17c, and a payment process execution unit 17d as functional configurations. Further, the control unit 17 further includes a communication path establishment unit 17a 'instead of the communication path establishment unit 17a illustrated in FIG.

  Similar to the communication path establishment unit 17a shown in FIG. 2, the communication path establishment unit 17a 'is configured to establish a temporary communication path with the transaction device 30 based on the payment identification data. Further, the communication path establishment unit 17a ′ establishes a communication path with one of the plurality of payment institution systems CS1, CS2, and CS3 shown in FIG. 9 based on the payment destination information included in the payment identification data. It is configured as such.

  FIG. 11 is a block diagram illustrating an example of the configuration of the transaction apparatus 30 ′ according to the second embodiment. As shown in FIG. 11, the transaction apparatus 30 ′ is similar to the transaction apparatus 30 of the first embodiment. The antenna 31, the wireless communication unit 32, the storage unit 33, the operation unit 34, the control unit 35, A power supply unit 36 and a bus 37 are provided.

  The storage unit 33 stores payment destination information for each of the payment institution systems CS1, CS2, and CS3, in addition to identification information unique to the wireless communication unit 32. The settlement destination information includes, for example, identification information (ID) and address information of the settlement institution systems CS1, CS2, and CS3.

  The control part 35 is provided with the transaction completion part 35b as the function structure. The control unit 35 further includes a transaction start unit 35a 'instead of the transaction start unit 35a shown in FIG.

  Similarly to the transaction start unit 35a shown in FIG. 3, the transaction start unit 35a 'is configured to transmit settlement identification data with the start of the transaction as a trigger. As a trigger for starting the transaction, for example, an object to be traded is selected by an input to the operation unit 34, and one of a plurality of settlement institution systems CS1, CS2, and CS3 shown in FIG. 9 is selected as a settlement destination. Such as the case. When the transaction is started, the transaction start unit 35 a ′ generates payment identification data based on the data stored in the storage unit 33. The payment identification data includes payment destination information of a payment destination selected via the operation unit 34 in addition to payment identification information and payment amount information. The generated payment identification data is intermittently transmitted, for example, at a predetermined cycle via the wireless communication unit 32 and the antenna 31.

  Note that an example of the schematic operation of the transaction settlement system 100 ′ of the present embodiment is the same as the flowchart shown in FIG.

  Next, an example of the operation of the transaction settlement system 100 'according to the present embodiment will be described.

(Third embodiment)
FIG. 12 is a diagram for explaining a third example of the operation of the transaction settlement system 100 ′ according to the second embodiment. In FIG. 12, S201 to S207 represent the corresponding steps of the transaction settlement process S200 shown in FIG. In addition, a solid arrow indicates online processing, and a broken arrow indicates offline processing. As shown in FIG. 12, before a transaction is started, for example, a user (user) inputs to the operation unit 15 of the mobile communication terminal 10 ′ to use from among a plurality of settlement institution systems CS1, CS2, and CS3. User information corresponding to the settlement destination to be selected is selected.

  Then, for example, when a transaction is started, a product that is a transaction object is selected, and when one of a plurality of settlement institutions CS1, CS2, CS3, for example, a settlement institution system CS1 is selected as a settlement destination, The transaction start unit 35a ′ of the transaction apparatus 30 ′ transmits settlement identification data.

  When the mobile communication terminal 10 ′ is placed close to or in contact with the transaction apparatus 30 ′, the communication path establishment unit 17a ′ of the mobile communication terminal 10 ′ uses the payment identification data transmitted from the transaction apparatus 30 ′. Receive. Then, the communication path establishment unit 17a ′ of the mobile communication terminal 10 ′ reads out the selected user information from the storage unit 14, generates session request (request) data including the user information, and sets it as the payment identification data. Based on the settlement destination information included, the session request data is transmitted to the settlement institution system CS1 that is the settlement destination.

  The settlement institution system CS1 that has received the session request data transmits session response data indicating whether or not a session request is possible to the mobile communication terminal 10 'based on the user information included in the session request data.

  The communication path establishment unit 17a ′ of the mobile communication terminal 10 ′ receives the session response data, and when this session response data indicates permission of the session request, the core network CN and the Internet network are connected to the settlement institution system CS1. Establish a communication path via IN. As a result, the mobile communication terminal 10 ′ can communicate with the settlement institution system CS 1 among the plurality of settlement institution systems CS 1, CS 2, CS 3 via the communication unit 13 and the antenna 11.

  Next, the communication path establishment unit 17a 'of the mobile communication terminal 10' establishes a temporary communication path with the transaction apparatus 30 'and transmits an ACK signal.

  Further, the communication path establishment unit 17a 'of the mobile communication terminal 10' establishes another temporary communication path between the transaction apparatus 30 'and the settlement institution system CS1 separately from the temporary communication path. When the transaction start unit 35a ′ of the transaction apparatus 30 ′ receives the ACK signal using the temporary communication path, the transaction start unit 35a ′ generates credit reference data, and transmits the credit reference data to the clearinghouse system CS1 using the other temporary communication path. . In this way, by directly transmitting the credit inquiry data of the transaction apparatus 30 ′ to the clearinghouse system CS1, the possibility that the credit inquiry data of the transaction apparatus 30 ′ is changed due to tampering is reduced, and the safety of the credit inquiry data is reduced. It becomes possible to improve the property.

  The transaction start unit 35a ′ of the transaction apparatus 30 ′ transmits the credit inquiry data using the temporary communication path instead of the other temporary communication path, and transmits the credit inquiry data to the mobile communication terminal 10 ′. The approval process execution unit 17b may transmit the received credit inquiry data to the settlement institution system CS1.

  Similar to the payment identification data, the credit inquiry data includes, for example, payment identification information and payment amount information. The transaction start unit 35a 'of the transaction apparatus 30' preferably encrypts the credit inquiry data using a predetermined encryption technique.

  The settlement institution system CS1 that has received the session request data and the credit inquiry data determines whether or not credit is possible based on the user information and the credit inquiry data included in the session request data. The settlement institution system CS1 transmits credit result data indicating the result of credit judgment to the mobile communication terminal 10 '.

  When receiving the credit result data, the settlement process confirmation unit 17c of the mobile communication terminal 10 'determines whether or not the settlement process can be executed based on the credit result data.

  Next, the payment processing confirmation unit 17 c of the mobile communication terminal 10 ′ determines whether or not the payment processing can be performed based on data input by the user (user) via the operation unit 15.

  Although illustration in FIG. 12 is omitted, as a result of the determination, if the payment process cannot be executed, or if the payment process is not executed, the payment stop process shown in S208 of FIG. 4 is executed, and the mobile communication terminal 10 'transmits settlement cancellation data to transaction apparatus 30'.

  As a result of the determination, when the payment process can be executed and the payment process is executed, the payment process execution unit 17d of the mobile communication terminal 10 ′ transmits the payment request data (request data) to the payment institution system CS1. .

  The settlement institution system CS1 that has received the settlement request data (request data) performs settlement and transmits settlement result data to the transaction apparatus 30 'using another temporary communication path. In this way, by directly transmitting the settlement result data of the settlement institution system CS1 to the transaction apparatus 30 ′, the possibility that the settlement result data of the settlement institution system CS1 is changed due to tampering or the like is reduced, and the security of the settlement result data is reduced. It becomes possible to improve the property.

  Note that the settlement institution system CS1 transmits settlement result data to the mobile communication terminal 10 ′ without using another temporary communication path, and receives the settlement result data from the settlement institution system CS1. The settlement processing execution unit 17d may transmit to the transaction apparatus 30 ′ using a temporary communication path instead of another temporary communication path.

  Upon receipt of the settlement result data, the transaction completion unit 35b of the transaction device 30 'provides a product that is a transaction object and completes the transaction.

  In FIG. 12, the online processing time indicated by the solid line arrow is usually about 0.5 to 1 second, and even a long time is a few seconds, excluding the waiting time for the user (user) input. Therefore, the transaction apparatus 30 ′ and the mobile communication terminal 10 ′ perform the settlement cancellation process of S208 shown in FIG. 4 when the processing time of the online processing has exceeded a predetermined time, for example, about 10 seconds. It may be.

  In the present embodiment, an example is shown in which a user (user) selects user information by input to the mobile communication terminal 10 ′ and selects a settlement destination by input to the transaction apparatus 30 ′. It is not limited.

  FIG. 13 is a configuration diagram showing another example of the schematic configuration of the transaction settlement system 100 according to the second embodiment. As shown in FIG. 12, the transaction settlement system 100 ′ includes a mobile communication terminal 10 and a transaction apparatus 30, similar to the transaction settlement system 100 of the first embodiment. Further, the transaction settlement system 100 ′ may further include an intermediate server IS.

  The intermediate server IS stores payment destination information of each payment institution system CS1, CS2, CS3 and user information corresponding to the payment destination for each user (user) or for each mobile communication terminal 10. A user (user) selects a settlement destination to be used from among a plurality of settlement institution systems CS1, CS2, and CS3 via the operation unit 15 of the mobile communication terminal 10, and registers the settlement destination in the intermediate server IS (memory). ) The settlement destination registered in the intermediate server IS can be changed at any time before the start of the transaction.

(Fourth embodiment)
FIG. 14 is a diagram for explaining a fourth example of the operation of the transaction settlement system 100 ′ according to the second embodiment. In FIG. 14, S201 to S207 represent corresponding steps of the transaction settlement process S200 shown in FIG. In addition, a solid arrow indicates online processing, and a broken arrow indicates offline processing. As illustrated in FIG. 14, for example, when a product that is a transaction target is selected as the start of a transaction, the transaction start unit 35 a of the transaction apparatus 30 transmits settlement identification data.

  When the mobile communication terminal 10 is arranged close to or in contact with the transaction apparatus 30, the communication path establishment unit 17 a of the mobile communication terminal 10 receives the payment identification data transmitted from the transaction apparatus 30.

  Next, the approval process execution unit 17b of the mobile communication terminal 10 generates credit inquiry data, and transmits the generated credit inquiry data to the intermediate server IS. Similar to the payment identification data, the credit inquiry data includes, for example, payment identification information and payment amount information. The intermediate server IS transmits the pre-registered payment destination, for example, user information of the payment institution system CS2 to the payment institution system CS2 together with the received credit inquiry data.

  The clearing house system CS2 that has received the user information and the credit inquiry data determines whether or not the credit is acceptable based on the user information and the credit inquiry data. The clearinghouse system CS2 transmits credit result data indicating the result of credit determination to the intermediate server IS. The intermediate server IS transmits the received credit result data to the mobile communication terminal 10.

  Upon receiving the credit result data, the settlement process confirmation unit 17c of the mobile communication terminal 10 determines whether or not the settlement process can be executed based on the credit result data.

  Next, the payment processing confirmation unit 17 c of the mobile communication terminal 10 determines whether or not the payment processing can be performed based on data input by the user (user) via the operation unit 15.

  Although illustration in FIG. 14 is omitted, as a result of the determination, when the payment process is not executable or when the payment process is not executed, the payment cancellation process shown in S208 of FIG. 4 is executed, and the mobile communication terminal 10 transmits settlement cancellation data to the transaction apparatus 30.

  As a result of the determination, when the payment process can be executed and the payment process is executed, the payment process execution unit 17d of the mobile communication terminal 10 transmits the payment request data (request data) to the intermediate server IS. The intermediate server IS transmits the received payment request data (request data) to the pre-registered payment institution system CS2.

  The settlement institution system CS2 that has received the settlement request data (request data) performs settlement and transmits settlement result data to the intermediate server IS. The intermediate server IS transmits the received settlement result data to the mobile communication terminal 10.

  When the settlement result data is received from the intermediate server IS, the communication path establishment unit 17a of the mobile communication terminal 10 establishes a temporary communication path with the transaction apparatus 30 and transmits an ACK signal.

  The settlement processing execution unit 17d of the mobile communication terminal 10 transmits the received settlement result data to the transaction apparatus 30 using the established temporary communication path.

  When the transaction completion unit 35b of the transaction apparatus 30 receives the settlement result data, the transaction completion unit 35b provides the product that is the transaction object and completes the transaction.

  Thus, according to the transaction settlement system 100 ′, the transaction settlement method, and the transaction settlement program of the present embodiment, even when a plurality of settlement institution systems CS1, CS2, and CS3 can be used, the same as in the first embodiment. The effect of can be obtained.

  It should be noted that the present invention is not limited to the above embodiments and can be applied with various modifications.

  In addition, the examples and application examples described through the embodiments of the invention can be used in combination as appropriate according to the application, or can be used with modifications or improvements, and the invention is described in the description of the embodiments described above. It is not limited. It is apparent from the description of the scope of claims that the embodiments added with such combinations or changes or improvements can also be included in the technical scope of the present invention.

DESCRIPTION OF SYMBOLS 10 ... Mobile communication terminal 17a ... Communication path establishment part 17b ... Approval process execution part 17c ... Settlement process check part 17d ... Settlement process execution part 30, 30A, 30B ... Transaction apparatus 35b ... Transaction completion part 100 ... Transaction settlement system CN ... Core network CS ... Settlement system IN ... Internet network S200 ... Transaction settlement processing

Claims (7)

A transaction settlement system that settles a transaction based on a settlement process with a settlement organization system,
A mobile communication terminal capable of communicating with the clearing house system via a communication network;
A transaction apparatus for performing the transaction based on a processing result of the settlement process,
The transaction apparatus includes a wireless communication unit capable of wireless communication with the mobile communication terminal,
The mobile communication terminal is
Establishing a first communication path for communicating over the communication network between the clearing house system, said first communication path between said transaction apparatus based on the settlement identification data transmitted from the transaction apparatus Is a communication path establishment unit that establishes a different second communication path ;
And a settlement processing execution unit for executing the payment process via the first communication path based on the payment identification data,
The transaction apparatus receives a processing result of the settlement process from the mobile communication terminal via the second communication path ;
Transaction settlement system. The communication channel establishment unit is configured to establish a temporary communication path between the transaction device as the second communication path on the basis of the payment identification data,
The transaction apparatus receives a processing result of the settlement process from the mobile communication terminal via the temporary communication path.
The transaction settlement system according to claim 1. The temporary communication path communicates in an ad hoc mode.
The transaction settlement system according to claim 2. The settlement identification data includes settlement amount information,
The mobile communication terminal is
Before the payment processing, based on the payment identification data, an approval processing execution unit that executes an approval processing with the payment institution system via the communication network;
A settlement process confirmation unit for confirming whether or not to execute the settlement process based on the result of the approval process and the settlement amount information;
Further comprising
The transaction settlement system according to any one of claims 1 to 3. A plurality of the transaction devices;
One transaction device of the plurality of transaction devices transmits the payment identification data, and another transaction device of the plurality of transaction devices receives a processing result of the payment processing from the mobile communication terminal,
The transaction settlement system according to any one of claims 1 to 4. A transaction settlement method that settles a transaction based on a settlement process with a settlement organization system,
A mobile communication terminal capable of communicating with the clearing house system via a communication network establishes a first communication path for communicating with the clearing house system via the communication network, and the processing result of the clearing process is and establishing step of establishing a different second communication path from said first communication path between said transaction apparatus based on the settlement identification data transmitted traded instrumentation placed et performing the transaction on the basis,
An execution step of executing the payment process via the first communication path based on the payment identification data ;
The transaction apparatus comprises a receiving step of receiving a processing result of the settlement process from the mobile communication terminal via the second communication path .
Transaction settlement method. A transaction settlement program that settles a transaction based on a settlement process with a settlement organization system,
A mobile communication terminal capable of communicating with the clearing house system via a communication network establishes a first communication path for communicating with the clearing house system via the communication network, and the processing result of the clearing process is and establishing step of establishing a different second communication path from said first communication path between said transaction apparatus based on the settlement identification data transmitted traded instrumentation placed et performing the transaction on the basis,
An execution step of executing the payment process via the first communication path based on the payment identification data ;
The transaction apparatus comprises a receiving step of receiving a processing result of the settlement process from the mobile communication terminal via the second communication path .
Transaction settlement program.

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