JP6353667B2 - Payment system for mobile terminal, server device and program - Google Patents

Description

  The present invention is based on the operation by a consumer of a mobile terminal device having an Internet connection function and a computer function, such as a smart phone (multifunctional mobile phone), a mobile phone, a PDA (personal digital assistant), or a tablet terminal. Or, it relates to a technology for promptly paying for the service.

In addition, the present invention has an Internet connection function and a computer function for displaying various TV images / videos (which may include sound) received through terrestrial broadcasting or the like via the Internet. The present invention relates to a technology that enables prompt purchase / settlement of products displayed on a screen by an operation by a consumer of a multifunction terminal (such as a smart TV) such as a receiver for digital TV.

  As a means for a person who purchases a product at a store or the like to receive a service to pay the price at the store or the like, there is a settlement by a credit card.

  Recently, with the rapid spread of smartphones and tablet terminals (hereinafter referred to as “smartphones”) having functions that can be substituted for personal computers (PCs), a system for making payments using the functions of such smartphones has been developed. It is becoming popular.

  As one of the payment techniques using smartphones, a dedicated reader capable of reading the magnetic information of a credit card is deployed in a smartphone on the store side to perform payment payment (for example, for example) In this payment technology using a dedicated reader, the customer inserts his / her credit card into the credit card information reading portion of the dedicated reader installed in the store, and thereafter The sign is input to the smartphone or the like on the store side via the screen. Further, the customer similarly inputs an e-mail address of his / her personal computer or the like at a designated screen position of a store-side smartphone or the like. As a result, the data of the purchase receipt corresponding to the receipt is transmitted to the customer's personal computer or the like.

  Alternatively, there is also a method that enables smart phone settlement by allowing a customer to input his / her credit card number to a credit card information input portion on a store-side website through the Internet from a smartphone or the like.

JP 2013-114291 A JP 2012-216155 A

Coiny smartphone payment HP (URL: http://coiney.com/) If you have a smartphone, pay by face pass, PayPal (registered trademark) is the campaign website (URL: http://ascii.jp/elem/000/000/843/84622/) “PayPal (registered trademark) BEACOM” website that realizes paypal and hands-free payment (URL: http://japan.cnet.com/news/service/35037011)

However, in a system in which a dedicated reader is installed in a store-side smartphone or the like as disclosed in Non-Patent Document 1, the user must always carry a credit card and is inconvenient. The user may lose the credit card.

Moreover, in the conventional payment system, since the own credit card information is acquired by the store-side leader, there is a possibility that the own credit card information may be misused on the store side, and the credit card information is kept secret. It is not easy to manage.

Moreover, in the settlement system proposed in Non-Patent Document 2, it is necessary to transmit personal photograph data that clearly identifies the individual of the customer to the computer of the credit card agency business company in advance using a smartphone. The credit card agency computer will continue to be held by associating such personal photo data with the customer name data. In addition, the customer's personal photo and name data are transmitted to the store computer, and the customer must provide his / her name information to the store clerk at the time of payment for the card. Don't be. In these respects, it must be said that this system is problematic in terms of protecting customer personal information. Moreover, the appearance of an individual person may change depending on the presence or absence of clothes, wrinkles, or the condition of hair, and may differ from pre-stored face photo data. There may be a case where the customer cannot be identified based on the face photograph data transmitted by the store clerk. In that sense, it can be said that this system also has a problem with the certainty of card settlement.

Further, in the settlement system proposed in Non-Patent Document 3, the store side must install a dedicated additional hardware device from the credit card agency business company side and install it in the store. In addition, there is a problem that it is not possible to participate in the system using only a general-purpose computer such as a tablet PC. In addition, since the customer side needs to connect an additional dedicated hardware device such as a USB memory and a BLE-compatible smartphone, this system also has a problem.

In addition, the above-mentioned problem is not a problem specific to a payment system using a smartphone, but can also occur in a payment system using a mobile terminal having at least an Internet connection function. It can be said that.

In addition to the credit card payment, the above-mentioned problem can occur in the same way when purchasing goods or providing services by using a debit card such as a bank.

In addition, when making payments that allow viewers to quickly make purchases of products and services using terminals that can receive broadcast waves such as smart TVs and tablet terminals, while watching the screen However, the same problem may occur as long as the credit card or debit card information is input.

The present invention has been made in view of the above problems, and its main purpose is that a credit card issuance company, a credit sales company, or a “financial institution” such as a bank / credit bank, which is a credit card issuer. Immediate payment of product purchase price by credit card, etc. without presenting and disclosing personal information (especially card number) related to issued credit card or debit card to the store side and without carrying credit card etc. It is in the point to make possible.

The meaning of the “financial institution” in the present invention will be described later. Generally, 1) When referring to a card issuing institution (FIG. 1 to be described later), and 2) Substituting business for settlement by the card issuing institution. Is broadly classified as a payment agent company (see FIG. 5 described later).

A mobile terminal payment system according to the present invention is a mobile terminal that uses a mobile terminal that can be connected to the Internet to perform payment payment when a user purchases a product or receives a service at a store. A payment system for a terminal, a server connected to the Internet and having a program for first and second application software, a server device comprising a database electrically connected to the server, and the Internet A store computer that is electrically connected to the server device via the Internet, and a financial institution computer that is electrically connected to the server device via the Internet. A) In response to the user's operation, the mobile terminal is connected via the Internet. When the use application signal is transmitted to the server of the server apparatus after being electrically connected to the server apparatus, the server responds to the use application signal and receives the use application signal via the Internet. An application software program is transmitted to the mobile terminal, and the mobile terminal installs the first application software program downloaded from the server device via the Internet in a storage unit in the mobile terminal, After the installation is completed, the credit card issued by a predetermined financial institution based on a command signal issued from the program after the activation is started in response to the user's operation and the first application software Debitka A signal for providing customer information including at least a card number, and customer information including at least a customer ID, a customer password and a customer name specified by the user, with respect to any one of the payment cards, And the server sends the customer card information received from the mobile terminal and a signal giving the customer information to the financial institution computer via the Internet, and The institution computer is a card in which the payment card corresponding to the card number is issued by the predetermined financial institution from the customer card information in response to reception of the customer card information and the signal giving the customer information. Check if it is a genuine card that is within the validity period of the card When the authenticity card is confirmed, a signal giving information for authenticating the authenticity card is transmitted to the server device via the Internet, and the server receives the information from the financial institution computer. Based on a signal that provides information authenticating the authenticity card received via the Internet, at least the customer information is stored in the database and the user is registered as a customer while notifying completion of the registration A signal is transmitted to the portable terminal via the Internet, and (B) the store computer sends a signal for a store participation application via the Internet in response to an operation on the store side. The server responds to the reception of the store participation application signal. The second application software program is transmitted to the store computer via the Internet, and the store computer downloads the second application software program downloaded from the server device via the Internet. After the installation is completed, the second application software program is activated in accordance with the operation on the store side, and the store name is determined based on a command signal issued from the program after the activation. A signal for giving store information including the above information is transmitted to the server via the Internet, and the server stores the signal for giving the store information received from the store computer in the database. While registering a store as a participating store, a signal notifying the completion of the registration is transmitted to the store computer via the Internet, and the store computer transmits the signal as the participating store transmitted from the server. After receiving the registration completion notification signal, a signal giving product information including the product name and product price regarding the product in the store or service information including the service name and service offer price provided at the store is sent via the Internet. (C) when purchasing a product at the store or receiving a service (either the stage before receiving the service or the stage after receiving the service) The stage is fine. ), When the user desires the store side to use the mobile card to make the payment for the payment with the card for payment, the store computer uses the product information or the service name. On the basis of the above, a signal for giving the settlement information necessary for calculating the price of all the products purchased by the user at the store or the price of all services provided by the user at the store, The mobile terminal transmits to the server via the Internet, and the mobile terminal receives the customer ID and the customer in the customer information under the operation of the first application software program according to the operation of the user. A signal for giving a password is sent to the Internet or Bluetooth (registered trademark) or WiFi (registered merchant). ) And the like, and the store computer requests confirmation of the user's registration based on the customer ID and the customer password received from the portable terminal. When the user confirmation request signal is transmitted to the server of the server device via the Internet, the server responds to the reception of the user confirmation request signal with the customer information of the user given by the user confirmation request signal. When searching whether the user is registered by the process of checking the customer information stored in the database, and confirming that the user is the registered customer as a result of the search process At least based on a signal giving customer information about the user Sends a signal to the financial institution computer via the Internet to request whether the customer can confirm payment with the genuine card, and the financial institution computer transmits the server to the server. In response to reception of the payment request confirmation request signal transmitted from the user, from the customer information of the user, it is determined whether the user is a customer capable of payment payment with the authentic card, If the user confirms that the user is a customer who can pay for the payment with the authentic card, the predetermined financial institution uses the payment card for the user to settle the payment for the user. When the server sends an authentication signal that approves to the server to the server, the server sends the authentication signal. Contact signal indicating a possible card payment by the payment card in response to receiving a testimony signal transmitted to the portable terminal of the user, the portable terminal of the user response to receiving the communication signal When a signal for instructing execution of settlement is returned to the server, a signal for informing execution of settlement and a signal for informing the completion of settlement are respectively sent to the computer for financial institutions and the store. It transmits to a computer via the said internet.

  According to the subject matter of the present invention, 1) the user can settle the payment by merely operating his / her mobile terminal without presenting / disclosing his / her own payment card and card information to the store. The card information such as the card number of the payment card is illegally acquired at the store side, and there is no damage that is illegally used. Therefore, the user does not need to always carry a payment card when purchasing goods or providing services, and teach or present card information such as the card number of the payment card to the store. Nor.

  Moreover, according to the subject matter of the present invention, 2) the user does not transmit data that can clearly identify an individual such as face photo data related to his / her portrait right to the server device side and / or the store side. In addition, the user does not transmit data such as the facial photograph to the store side. In that sense, in the subject matter of the present invention, personal information that can clearly identify an individual such as a portrait of the user is securely protected during the exchange between the user and the store.

  In addition, according to the subject matter of the present invention, 3) stores and financial institutions have dedicated hardware equipment that is relatively expensive compared to the cost of existing personal computers or tablet terminals that are generally available on the market. This payment system for portable terminals can be constructed without using.

  Hereinafter, various embodiments of the present invention will be described in detail along with the effects and advantages thereof with reference to the accompanying drawings.

It is a block diagram which shows typically the structure of the smart phone payment system which concerns on Embodiment 1 of this invention. It is a block diagram which shows typically the use application method in a smart phone payment system. It is a block diagram which shows typically the participation method of the store in a smart phone payment system. It is a block diagram which shows typically the usage method in a smart phone payment system. It is a block diagram which shows typically the structure of the smart phone payment system which concerns on the modification of Embodiment 1 of this invention.

(Embodiment 1)

<Features of smartphone payment system according to the present embodiment>

  The feature point is a smartphone in which dedicated application software has been downloaded and installed in advance without the user presenting or teaching credit card and personally identifiable information (eg name, face photo, etc.) to the store. By using the function of the server device intervened between the store and the user and the financial institution only by the operation of the financial institution (predetermined financial institution) can immediately settle the payment for the payment. is there. The key to realizing the feature point is the original application software program.

The “financial institutions” assumed and defined in the present embodiment include corporations in the following respective business forms. 1) Credit card issuing companies (also simply referred to as “credit card companies”), credit sales companies, insurance companies, banks, credit unions, credit unions, etc. 2) A settlement agency that performs payment and settlement services for these credit card companies or banks, or 3) a bank or a credit sales company that provides services that allow a cashing card to be used as a debit card. Included in “institution”.

<Configuration of smartphone payment system>
FIG. 1 is a block diagram schematically showing the overall configuration of a smartphone payment system (hereinafter referred to as “the payment system”) according to the present embodiment.

  In FIG. 1, the server device 10, the store computer 40, and the credit card company computer 20 that construct the present payment system are electrically connected to each other via the Internet 100.

  Here, the server device 10 is 1) a cloud type server (hereinafter referred to as “server”) 1 connected to each computer 40 of a large number of stores participating in the settlement system construction through a line of the Internet 100, and 2) It consists of a database 2 that is electrically connected to the server 1 and holds a plurality of types of data relating to each user. The server 1 has original first and second application software programs (hereinafter, referred to as “first and second programs”) dedicated to the settlement system, and the first and second programs. A Web site that can be downloaded is developed on the Internet 100. The database 2 holds useful management information such as customer information of each user and product purchase history of each user, and in some cases also holds information of each user's credit card. Since the server 1 is a cloud-type server, those who are involved in the payment system must share various information or data (stored in the database 2) collected from many stores participating in the payment system. It is possible to communicate with each other via the server 1.

  The store computer 40 is an existing device (commercial product) that functions as a computer connectable to the line of the Internet 100, and is a smartphone, a tablet terminal, or a tablet computer (tablet PC). As a specific example, the store computer 40 is a tablet terminal, and an original second program (hereinafter referred to as “this program”) is downloaded from the Web site of the server 1 and its storage unit (not shown). This program is stored in Further, the store side includes a WiFi (registered trademark) environment for interpolating the GPS function of the user's smartphone to guide the user so that the user can reach the store position.

  A user who uses this system is a mobile phone having a PC function that can be connected to a line of the Internet 100 as a payment payment settlement device at a store, instead of carrying and presenting a credit card as a settlement method at an old store. A smartphone (multifunctional mobile phone) 30 that is a terminal is held and used in a store. At that time, the user downloads the original first program (hereinafter referred to as “this program”) from the Web site of the server 1 in advance and stores the program in its storage unit (not shown). Yes.

  The server device 10 that forms the core of the payment system in FIG. 1 is installed at a management place of a person who provides the payment system. The store computer 40 is used in stores of individual specialty stores (retail stores, etc.), shopping centers, hotels, restaurants, sports gyms, travel offices, various schools, etc. It is a tablet terminal installed in a general retail store such as a store that provides services, a convenience store, or a supermarket.

Or the server apparatus 10 is arrange | positioned in large stores and commercial facilities, such as a department store and a shopping mall where many tenants have opened. In this case, the store computer 40 is a tablet terminal deployed in each tenant store. A person who operates and manages the large-scale store / commercial facility mainly operates and manages the server device 10.

As an example, an external organization such as a local public organization that develops, operates, and manages an underground shopping center in a city operates and manages the server device 10, and each tenant operating in the underground shopping mall has each of the systems. The case where a store is formed is considered.

Here, it should be noted that the server device 10 is positioned in terms of functions in this payment system. The server device 10 itself is not a device that directly performs payment for payment for goods and services, but stores. It is an apparatus that presents a mediation function intervening between a user and a credit card company or the like or an agency settlement company, and presents a management / control function of this system. Accordingly, the server device 10 does not exhibit a function for executing payment settlement, and the settlement function is merely a computer or the like on the financial institution side.

<Payment settlement method of smartphone settlement system>

  User application stage: FIG. 2 is a block diagram schematically showing a user application method in the smart phone settlement system of FIG.

  First, a user who wants to use the payment system operates his / her smartphone 30 to access the specified website uploaded by the server 1 on the Internet 100, and the book described above from the designated website. After downloading the program, the program is installed in the storage unit (not shown). That is, in response to a user operation, the smartphone 30 that is a portable terminal is electrically connected to the server 1 via the Internet 100 line, and then transmits a use application signal to the server 1. As a result, the server 1 transmits the program to the smartphone 30 via the Internet 100 line in response to receiving the use application signal, and the smartphone 30 installs the downloaded program in the storage unit. To do.

  In addition, in response to a command signal of the program activated by the user's operation, the user displays on the screen display unit of the smartphone 30 1) information related to the credit card held by the user, and 2) a customer related to the user. Enter information. Here, the “credit card information” (customer card information) includes the card number, customer name, and expiration date information written on the credit card. The user's “customer information” includes customer ID, customer password (PW) specified by the user, and information specifying the customer such as the customer's name / address / age or date of birth / contact information. . However, the photograph (face photograph etc.) regarding the personal portrait of the customer is not included in the “customer information” here. Thereafter, based on the transmission command signal of this program, the smartphone 30 transmits a signal that gives the credit card information and the customer information to the server 1. Upon receiving such a signal, the server 1 temporarily stores a signal for giving credit card information and customer information in its storage unit (not shown) as a provisional process.

On that basis, the server 1 is a credit card company (financial institution) that has sent the credit card information that has been issued by the company and is a piece of information about a genuine credit card that is within the expiration date. A confirmation process is performed to inquire whether there is any. That is, the server 1 transmits a signal giving the received credit card information and customer information to the computer (financial institution computer) 20 of the credit card company via the Internet 100.

The computer 20 of the credit card company is a card in which the credit card corresponding to the card number is actually issued by the credit card company from the credit card information in response to reception of the signal giving the credit card information and the customer information, and Check if the current card is a genuine card within the card validity period. As a result, when it is confirmed that the credit card corresponding to the user's card number is a genuine card, the computer 20 sends a signal giving information for authenticating the authentic card to the Internet 100. To the server 1.

  The server 1 stores the customer information of the user temporarily held in the database 2 and registers the user as a customer in response to the reception of the signal giving the authentication confirmed information. At that time, the server 1 deletes the credit card information of the user that has been temporarily held. That is, after the registration is completed, the server device 10 does not hold any credit card information of each registered user, so that only the original state that the credit card company holds the credit card information exists. become. Therefore, from the viewpoint of each user, the reliability of the present settlement system regarding security for credit card information is significantly increased.

On the other hand, the server 1 transmits a signal notifying the completion of registration to the user's smartphone 30 via the Internet 100. As a result, the user is registered as a user of the settlement system. Know.

Participation Stage of Store: FIG. 3 is a block diagram schematically showing a participation method of each store in the smart phone settlement system of FIG. At this stage, transmission of “store information” and “product information” from the tablet terminal 40 disposed in each store that wants to participate in the payment system and registration processing of the information on the server device 10 side are performed. Done.

  First, by a store side operation that wants to become a participating store of this payment system, a store computer 40 in the store, in this example, a commercially available tablet terminal (tablet PC) 40, becomes a designated Web site as described above. The dedicated program described above is downloaded from a predetermined location on the website, and the program is installed in a storage unit (not shown) in the tablet terminal 40.

  That is, the tablet terminal 40 accesses the server device 10 via the Internet 100 line, and then transmits a store participation application signal to the server 1 of the server device 10 based on the display of the designated Web site. In response to receiving the store participation application signal, the server 1 transmits a dedicated application software program to the tablet terminal 40 via the Internet 100. The tablet terminal 40 on the store side installs the downloaded application software program (this program) in the storage unit.

After the installation is completed, the tablet terminal 40 on the store side activates the program in accordance with the operation on the store side, and includes a store name based on a command signal issued from the program after the activation. A signal giving “information” is transmitted to the server 1 via the Internet 100. Here, “store information” is information for specifying the store including the store name, the store ID specified by the store, the password (PW), and the like in addition to the store name.

Then, the server 1 stores “store information” given by the received signal in the database 2 and registers the store in the database 2 as “participating store”. In addition, when receiving the data, the server 1 acquires the IP address of the tablet terminal 40 of the registered store and uses the GPS function from the address information of the registered store to map information or location information of the store. And a registration process to the database 2 is executed. Then, the server 1 transmits a signal notifying the completion of the registration to the tablet terminal 40 of the store via the Internet 100.

  After receiving the registration completion notification signal, the tablet terminal 40 of the store is provided with product information and product photo data including product name, product number, and product price regarding the product in the registered store, or at the store. A signal giving service information including a service name and a service providing price is transmitted to the server 1 via the Internet 100. That is, the tablet terminal 40 of the store inputs the previously-stored store ID and password and logs in from the screen display based on the command signal of the dedicated program. After logging in, the tablet terminal 40 of the store obtains photo data of each product by photographing each product in the store using a camera built in the tablet terminal 40 based on the camera function of the program. To do. Then, the tablet terminal 40 of the store stores the product information such as the product number and the product price, if there is a product name and product number, for each product from the display screen together with the photo data of the product. To server 1. The server 1 stores the product information and photo data provided by the received signal in the database 2 as product information and product photos of individual products sold in each registered store. Then, the server 1 creates the product list data by CMS from the product information at the registered store, and transmits a signal for giving the product list to the tablet terminal 40 of the registered store. The product list given by the received signal can be displayed on the screen of the tablet terminal 40 of the registered store. Upon completion of the processing based on the above program, the registration processing regarding the participating stores is completed.

  FIG. 4 is a block diagram schematically showing a method of using the present payment system by the user in the smartphone payment system of FIG.

  A user registered in this payment system is activated to know the store development information (store name, store address, store phone, etc.) near the current location where the product he wants to purchase is sold. Based on the instructions of this program, the development information of the store is downloaded from the server 1, and the store where the product is to be purchased is selected from the displayed information of each participating store. Then, the user goes to a location near the store while viewing the screen display displayed by the GPS function held by the smartphone 30 based on information such as the store address. Since the participating stores provide the WiFi (registered trademark) function, the user can use the WiFi (registered trademark) function to display the screen of the smartphone 30 within a short range exceeding the position accuracy by the GPS function. Referring to the map displayed on the screen, the user arrives at the store and obtains a product desired to be purchased at the store. As a result, the user collects all the products he / she wishes to purchase and carries them to the cash register at the store. Then, when paying the price at the cash register, the user informs the staff of the store that he / she wishes to pay the price with his / her credit card by using the smartphone 30 of the user.

  Then, the staff of the store activates the program in the tablet terminal 40 of the store, and in response to the operation of the staff, the tablet terminal 40 causes the user to visit the store based on the product information. Then, a signal giving “financial information” necessary for calculating the total amount of all the products to be purchased is transmitted to the server 1 via the Internet 100. Specifically, in response to the activation / command of this program, the staff of the store stores the product number of each product (associated with the product name of the product), and if there is no registration of the product, By inputting the product name of the product or selecting each product from the product list displayed on the screen, a signal giving the product name information of all the products to be purchased is transmitted to the server 1.

  As a result, the server 1 refers to the data in the database 2 on the basis of the received signal, and extracts the product name and price information of the individual products to be purchased, and extracts the extracted product information. A signal to be given is transmitted to the tablet terminal 40 together with a signal for inquiring the purchase quantity of each product. In response to the transmission, the product name of each product to be purchased, its single price, and an image indicating the purchase quantity are displayed on the screen of the tablet terminal 40 of the store. Therefore, the staff of the store inputs the purchase quantity data of each product to the tablet terminal 40, and the tablet terminal 40 transmits a signal giving the purchase quantity data of each product to the server 1. As a result, the server 1 calculates the product name of each product to be purchased by the user, the purchase quantity, the purchase amount of each product, and the total amount (total amount) of the purchase price, and retains these pieces of information.

Thereafter, the user operates his / her smartphone 30 under the operation / command of this program, and is displayed on the screen of the smartphone 30 as a means for transmitting a user's intention to purchase the product at the store. The store (the store is extracted from the position information as a candidate), and then a signal giving customer information is sent from the smartphone 30 via the Internet 100 to the tablet terminal 40 in the store. Send to. The “customer information” at this stage is the customer ID and customer password (PW) designated by the user, and customer information that easily identifies other individuals, that is, the customer's name, address, age or Information such as date of birth and contact information is not included. Accordingly, the store clerk / staff operating the tablet terminal 40 in the store basically knows only the customer ID and customer password signals on the screen, and thus specifically recognizes the user. I can't do that. In some cases, in addition to the customer ID and the customer password, the “customer name” may be included in the “customer information” here in a limited manner. Alternatively, the user can send a signal that gives the above-mentioned “customer information” from the smartphone 30 by a user's own operation using a known infrared ray, Bluetooth (registered trademark), WiFi (registered trademark), or the like by “short-range communication means”. You may transmit to the tablet terminal 40 in the said store via "communication". Such near-field communication using “communication means” that directly transmits and receives can further increase the degree of security of “customer information” than communication using the Internet 100. In addition, when "customer information" is sent to the store side by "communication" using Bluetooth (registered trademark) or WiFi (registered trademark), a plurality of customers are lined up in front of the cash register It is possible to contribute to the improvement of the security level or the certainty of this system. That is, since each Bluetooth (registered trademark) or the like that the smartphone 30 or the like has is assigned an individual number, the store-side computer identifies the customer with a specific number assigned to the Bluetooth (registered trademark). be able to. For this reason, when the first customer performs a payment settlement operation for a product, even if another customer lined up behind the product mistakenly or intentionally transmits a signal by Bluetooth (registered trademark), the store side computer The store clerk who is watching the screen confirms by a means such as oral means whether the Bluetooth (registered trademark) number displayed on the screen is equal to the Bluetooth (registered trademark) number of the smartphone 30 of the first customer. I can do it. By utilizing the known function of Bluetooth (registered trademark), the certainty or the degree of security of payment settlement by this system can be improved even in the above case. Of course, even when the “customer information” is transmitted to the store side computer via the Internet as described above, the clerk at the cash register shows the screen information to the head customer or verbally by the user ID displayed on the screen. Even if a plurality of customers are lined up by various confirmation operations to convey in the above, the certainty or the degree of security of payment settlement of this system can be improved. In addition, for example, instead of Bluetooth (registered trademark), using Wi-Fi Alliance (registered trademark) technology, two devices supporting WiFi (registered trademark) technology may be connected between the two devices in this example. A direct short-range communication connection between two devices may be performed by connecting a smartphone and a tablet PC on the store side to an existing WiFi (registered trademark) network. Alternatively, a short-range communication connection between two devices may be enabled using a communication technology that applies a predetermined frequency band of WiFi (registered trademark) to LTE. In this sense, in this embodiment, short-range communication such as Bluetooth (registered trademark) or communication using the Internet is simply defined as “communication”.

As a result, the tablet terminal 40 in the store asks for confirmation of the user's registration based on at least the customer information about the customer ID and the customer password received from the user's smartphone 30. The signal ”is transmitted to the server 1 via the Internet 100.

Upon receiving the user confirmation request signal, the server 1 compares the customer information of the user given by the user confirmation request signal with the customer information stored in the database 2, and the user is registered. Search for a user. When the server 1 confirms that the user is a registered customer as a result of the search process, the server 1 is a customer who can make payment with a genuine card based on customer information about the user. A signal for confirming whether or not there is is transmitted via the Internet 100 to the computer 20 dedicated to the credit card issuing company.

The credit card issuing company dedicated computer 20 can pay for the payment with a genuine card based on the customer information of the user in response to receiving the payment payment confirmation request signal sent from the server 1. To determine whether you are a good customer. When the computer 20 confirms that the user is a customer who can pay with a genuine card according to the determination result, the credit card issuing company uses the credit card of the user. An “authentication signal” that authorizes the payment of the user's payment is transmitted to the server 1 via the Internet 100.

In response to receiving the authentication signal, the server 1 transmits a contact signal indicating that credit card payment is possible to the user's smartphone 30. The user who has received such a contact signal indicating that the credit card can be settled, sends the data of the cost and / or the total purchase amount for each product when purchasing the current product to the server 1 as necessary. You can ask for transmission. Furthermore, the user can also request the server 1 to transmit data on the total amount of credit card settlement for this month using the present settlement system. Upon receiving these transmission requests, the server 1 reads the past monthly product settlement data stored in the database 2 in addition to the cost data of the product group to be purchased currently held by the server 1 itself. Above, the information of the list form of those data is transmitted to the said user. The user confirms the above-mentioned data transmitted from the server 1 on the screen of the smartphone 30, and determines whether or not to execute the credit card settlement based on the confirmation result.

In addition, when the user's smartphone 30 returns a command signal to the server 1 that the payment completion by executing the credit card payment is OK, the server 1 executes the payment completion by the credit card. A command or communication signal and a signal indicating completion of the settlement are transmitted to the credit card company computer 20 and the tablet terminal 40 of the store via the Internet 100, respectively.

Upon receipt of the notification of the completion of the settlement on the screen of the tablet terminal 40, the staff of the store handed over all the products at the cash register to the user and made a credit card settlement. Hand over the receipt to the user. Thereby, merchandise sales between the user and the store are completed immediately.

  On the other hand, the computer 20 of the credit card company performs an execution process for completing the settlement by the credit card of the payment amount of the user in accordance with the command signal transmitted from the server 1.

  As a result of the completion of the settlement, the credit card issuing company pays the purchase price (excluding fees) to the store side and mails the invoice with the monthly charge amount to the user, It is assumed that the user can check the monthly billing amount on the website.

  When the credit card issuer computer 20 determines that the credit card payment settlement of the registered user is not approved, the server 1 sends a notification signal indicating that the credit card payment settlement is impossible to the smartphone 30 and the tablet for the store. Transmit to the terminal 40.

  <Advantages of smartphone payment system>

  1) A user who wishes to pay by credit card at the time of product purchase shall not present his / her credit card to the store side at the time of product purchase and disclose the credit card information to the store side at the time of product purchase. In addition, you can settle the payment with a credit card.

  2) It is economical in that the present payment system can be constructed using devices having an existing Internet connection function and PC function that can be easily obtained in the market. It is not necessary to build

  3) Each store can construct a credit card payment system only by arranging a smartphone or tablet terminal and downloading / installing dedicated application software.

  4) By using the cloud type server and database, the server administrator and the store side can grasp information / data such as the purchase level of the product and the usage status of the customer.

  5) By using the cloud type server and the database, the location information of the store that can use the payment system closest to the user can be displayed on the smartphone of the user.

  6) By using the cloud server and database, the server administrator or the like can display recommended product information or a recommended route map on the user's smartphone.

  7) It is possible to easily open a net store without going through complicated procedures, and it is possible to upload products easily.

For example, a terminal device such as a smart TV (smart TV) or a portable terminal device (tablet PC, smartphone, etc.) having a function capable of receiving broadcast radio waves / on-demand video and displaying a broadcast screen / video screen on a display ) Can be used to view the screen using the user's terminal, and the product or service displayed on the display can be immediately purchased or received by card payment. It becomes. In that case, the user only needs to perform button operations (operations on the touch panel) on the screen of the “terminal” having a function capable of receiving and displaying a broadcast screen and the like. It is not necessary to send personal information such as data to the store. Alternatively, according to the present system, when a user wishes to purchase a product displayed on the screen of a smart TV or to receive service, the user purchases the product only by operating a smartphone or tablet PC at hand. Alternatively, the service can be provided.

(Modification)
(1) The “portable terminal” used by the user in the “payment system for portable terminal” is not limited to the smartphone described in the first embodiment, and may be a tablet terminal (tablet PC). . In short, a portable terminal having an Internet connection function and a computer function is a “portable terminal” in the subject of the present invention.

(2) The “store computer” in the subject of the present invention is not limited to the tablet terminal described in the first embodiment, and may be, for example, a desktop or notebook personal computer (PC). .

(3) The “settlement card” in the “settlement system for portable terminals” in the subject of the present invention is “debit card” issued by a bank / credit card issuing company or the like instead of “credit card”. But it ’s okay. If the “debit card” that is directly withdrawn from the bank's account by a financial institution such as a bank or credit union corresponds to the “settlement card”, the “settlement card information” such as the “card number” is the “cash card” Information such as “card number”.

(4) The payment for the payment settlement of the “settlement system for portable terminals” according to the subject of the present invention is the cost when receiving various services from the “store” in addition to the purchase price of the product. There may be. In this case, instead of the “product information”, “service information” including the service name and service provision price provided at the store is transmitted and registered from the store computer to the server device.

(5) The computer for a financial institution in the present invention may be a computer held by a “settlement agency” acting on behalf of a settlement business performed by each credit card company or bank. FIG. 5 is a diagram schematically showing the configuration of the present system according to such a modification.

In FIG. 5, each credit card company or each bank, etc., which is electrically connected to a settlement agency computer (financial institution computer) 20A via a net line, These are “predetermined financial institutions” that perform card settlement using a debit card, and these computers are “predetermined financial institution computers”.

5A, the computer 20A of the settlement agent company 1) first pays the price to be settled to the store computer 40 side, and then the computers 20B1,..., 20B2,. There are a case where a function of requesting payment to the 20B3 side is presented and a case of 2) a function of promptly paying each credit card company or the like on behalf of the store for the payment to be settled. In this case, the computer 20A of the proxy settlement company receives the signals giving the user information and the card information described above by transmission from the server device 10 and holds the information given by each signal.

In any case, in this modification, the user does not disclose or present any card information at the store, and does not need to carry the card itself, and simply uses the store computer 40. The payment can be made immediately with the payment card simply by performing a simple fixed operation of the smartphone 30 for transmitting only “customer information” to the customer.

(Appendix)
While the embodiments of the present invention have been disclosed and described in detail above, the above description exemplifies aspects to which the present invention can be applied, and the present invention is not limited thereto. That is, various modifications and / or variations on the described aspects can be considered without departing from the scope of the invention.

  The present invention, for example, enables a customer to immediately make payment for a purchase price of a product by simply operating his / her smart phone or tablet terminal without presenting or disclosing information on his / her own payment card. It is suitable to apply to.

DESCRIPTION OF SYMBOLS 10 Server apparatus 1 Cloud type server 2 Database 20 Credit card company computer 30 User's smart phone 40 Store computer 100 Internet 1S Original program for exclusive application software

Claims (7)

A payment system for a mobile terminal that uses a mobile terminal that can be connected to the Internet to perform payment payment when the user purchases a product or receives a service at a store,
A server connected to the Internet and having a program for first and second application software, and a server device comprising a database electrically connected to the server;
A store computer disposed in the store, electrically connected to the server device via the Internet;
A financial institution computer electrically connected to the server device via the Internet,
(A) In response to an operation of the user, when the mobile terminal transmits a use application signal to the server of the server device after being electrically connected to the server device via the Internet,
In response to receiving the use application signal, the server transmits the first application software program to the mobile terminal via the Internet,
The portable terminal is
Installing the first application software program downloaded from the server device via the Internet in a storage unit in the portable terminal;
After the installation is completed, the credit card issued by a predetermined financial institution based on a command signal issued from the program after the activation is started in response to the user's operation and the first application software A signal that provides customer card information including at least a card number and customer information including at least a customer ID, a customer password, and a customer name specified by the user, with respect to any one of the debit cards. And send to the server via
The server
The customer card information received from the mobile terminal and a signal giving the customer information are transmitted to the financial institution computer via the Internet,
The financial institution computer is
In response to reception of the customer card information and a signal giving the customer information, the payment card corresponding to the card number is a card issued by the predetermined financial institution from the customer card information and the current time is Confirm whether the card is a genuine card within the card validity period, and if the authentic card is confirmed, a signal giving information for authenticating the authentic card is transmitted to the server device via the Internet. And
The server
While storing at least the customer information in the database and registering the user as a customer based on a signal that gives information authenticating the authenticity card received from the computer for financial institutions via the Internet, A signal notifying completion of the registration is transmitted to the mobile terminal via the Internet,
(B) In response to an operation on the store side, the store computer transmits a store participation application signal to the server of the server device via the Internet.
The server transmits the second application software program to the store computer via the Internet in response to receiving the store participation application signal,
The store computer is:
Installing the second application software program downloaded from the server device via the Internet into the store computer;
After the installation is completed, the second application software program is activated in accordance with the operation on the store side, and a signal that gives store information including the store name based on a command signal issued from the program after the activation To the server via the Internet,
The server
A signal for giving the store information received from the store computer is stored in the database and the store is registered as a participating store, while a signal notifying the completion of the registration is sent via the Internet to the store computer. Send to
The store computer is:
After receiving the registration completion notification signal as the participating store transmitted from the server, the product information including the product name and the product price regarding the product in the store, or the service name and service provision price provided at the store are included. A signal giving service information is transmitted to the server via the Internet,
(C) When the store side wishes the store side to perform the payment settlement of the price with the settlement card by using the mobile terminal device at the time of purchasing a product at the store or regarding payment for providing services Is
Based on the product information or the service name, the store computer calculates the price of all products purchased by the user at the store or the price of all services provided by the user at the store. A signal that gives financial information required at the time of transmission to the server via the Internet,
The portable terminal receives a signal for giving the customer ID and the customer password in the customer information under the operation of the first application software program according to the operation of the user via the Internet. , Send to the store computer,
The store computer sends a user confirmation request signal for confirming the presence / absence of registration of the user based on the customer ID and the customer password received from the mobile terminal to the server device via the Internet. When sent to the server,
The server
In response to receiving the user confirmation request signal, whether or not the user is registered by a process of comparing the customer information of the user given by the user confirmation request signal with the customer information stored in the database. Search
As a result of the search process, when it is confirmed that the user is the registered customer, the user can settle the payment with the authentic card based on at least a signal giving customer information about the user. Sending a signal to confirm whether it is a customer to the computer for financial institutions via the Internet,
The financial institution computer is
In response to the receipt of the payment request confirmation request signal transmitted from the server, it is determined from the customer information of the user whether the user is a customer capable of payment payment with the genuine card. ,
If the user confirms that the user is a customer who can pay with the genuine card according to the determination result, the predetermined financial institution pays the user with the payment card of the user. When an authentication signal that approves settlement is sent to the server via the Internet,
The server
In response to receiving the authentication signal, a contact signal indicating a possible card payment by the payment card and transmitted to the portable terminal of the user,
When the mobile terminal of the user returns a signal instructing execution of settlement completion in response to reception of the contact signal to the server,
A payment for portable terminal, wherein a signal for notifying completion of payment and a signal for notifying completion of payment are transmitted to the financial institution computer and the store computer via the Internet, respectively. system. A payment system for a mobile terminal that uses a mobile terminal that can be connected to the Internet to perform payment payment when the user purchases a product or receives a service at a store,
A server connected to the Internet and having a program for first and second application software, and a server device comprising a database electrically connected to the server;
A store computer disposed in the store, electrically connected to the server device via the Internet;
A financial institution computer electrically connected to the server device via the Internet,
(A) In response to an operation of the user, when the mobile terminal transmits a use application signal to the server of the server device after being electrically connected to the server device via the Internet,
In response to receiving the use application signal, the server transmits the first application software program to the mobile terminal via the Internet,
The portable terminal is
Installing the first application software program downloaded from the server device via the Internet in a storage unit in the portable terminal;
After the installation is completed, the credit card issued by a predetermined financial institution based on a command signal issued from the program after the activation is started in response to the user's operation and the first application software A signal that provides customer card information including at least a card number and customer information including at least a customer ID, a customer password, and a customer name specified by the user, with respect to any one of the debit cards. And send to the server via
The server
The customer card information received from the mobile terminal and a signal giving the customer information are transmitted to the financial institution computer via the Internet,
The financial institution computer is
In response to reception of the customer card information and a signal giving the customer information, the payment card corresponding to the card number is a card issued by the predetermined financial institution from the customer card information and the current time is Confirm whether the card is a genuine card within the card validity period, and if the authentic card is confirmed, a signal giving information for authenticating the authentic card is transmitted to the server device via the Internet. And
The server
While storing at least the customer information in the database and registering the user as a customer based on a signal that gives information authenticating the authenticity card received from the computer for financial institutions via the Internet, A signal notifying completion of the registration is transmitted to the mobile terminal via the Internet,
(B) In response to an operation on the store side, the store computer transmits a store participation application signal to the server of the server device via the Internet.
The server transmits the second application software program to the store computer via the Internet in response to receiving the store participation application signal,
The store computer is:
Installing the second application software program downloaded from the server device via the Internet into the store computer;
After the installation is completed, the second application software program is activated in accordance with the operation on the store side, and a signal that gives store information including the store name based on a command signal issued from the program after the activation To the server via the Internet,
The server
A signal for giving the store information received from the store computer is stored in the database and the store is registered as a participating store, while a signal notifying the completion of the registration is sent via the Internet to the store computer. Send to
The store computer is:
After receiving the registration completion notification signal as the participating store transmitted from the server, the product information including the product name and the product price regarding the product in the store, or the service name and service provision price provided at the store are included. A signal giving service information is transmitted to the server via the Internet,
(C) When the store side wishes the store side to perform the payment settlement of the price with the settlement card by using the mobile terminal device at the time of purchasing a product at the store or regarding payment for providing services Is
Based on the product information or the service name, the store computer calculates the price of all products purchased by the user at the store or the price of all services provided by the user at the store. A signal that gives financial information required at the time of transmission to the server via the Internet,
In response to the user's operation, the portable terminal receives a signal that gives the customer ID and the customer password in the customer information under the operation of the first application software program, via communication, Send to the store computer,
The store computer sends a user confirmation request signal for confirming the presence / absence of registration of the user based on the customer ID and the customer password received from the mobile terminal to the server device via the Internet. When sent to the server,
The server
In response to receiving the user confirmation request signal, whether or not the user is registered by a process of comparing the customer information of the user given by the user confirmation request signal with the customer information stored in the database. Search
As a result of the search process, when it is confirmed that the user is the registered customer, the user can settle the payment with the authentic card based on at least a signal giving customer information about the user. Sending a signal to confirm whether it is a customer to the computer for financial institutions via the Internet,
The financial institution computer is
In response to the receipt of the payment request confirmation request signal transmitted from the server, it is determined from the customer information of the user whether the user is a customer capable of payment payment with the genuine card. ,
If the user confirms that the user is a customer who can pay with the genuine card according to the determination result, the predetermined financial institution pays the user with the payment card of the user. When an authentication signal that approves settlement is sent to the server via the Internet,
The server
In response to receiving the authentication signal, a contact signal indicating a possible card payment by the payment card and transmitted to the portable terminal of the user,
When the mobile terminal of the user returns a signal instructing execution of settlement completion in response to reception of the contact signal to the server,
A payment for portable terminal, wherein a signal for notifying completion of payment and a signal for notifying completion of payment are transmitted to the financial institution computer and the store computer via the Internet, respectively. system. It is the payment system for portable terminals of Claim 2, Comprising:
(C) In response to an operation of the user, the portable terminal receives a signal that gives the customer ID and the customer password in the customer information under the operation of the first application software program. (Registered trademark) or WiFi (registered trademark) through the communication to the store computer,
The payment system for portable terminals characterized by the above-mentioned. It is the payment system for portable terminals of any one of Claims 1 thru | or 3, Comprising:
The server
When registering the user as a customer in response to receiving a signal that gives information authenticating the authentic card ,
While deleting the customer card information of the user held,
The mobile terminal payment system, wherein only the customer information of the user is stored in the database. A server device comprising the server device used in the mobile terminal payment system according to any one of claims 1 to 4. A program used in a payment system for a mobile terminal that uses a mobile terminal that can be connected to the Internet to perform payment payment when a user purchases a product or receives a service at a store,
(A) When the mobile terminal transmits a use application signal to the server of the server device after the mobile terminal is electrically connected to the server device via the Internet in response to the operation of the user,
In response to receiving the use application signal, the server transmits a first application software program to the mobile terminal via the Internet,
The portable terminal is
Installing the first application software program downloaded from the server device via the Internet in a storage unit in the portable terminal;
After the installation is completed, the credit card issued by a predetermined financial institution based on a command signal issued from the program after the activation is started in response to the user's operation and the first application software A signal that provides customer card information including at least a card number and customer information including at least a customer ID, a customer password, and a customer name specified by the user, with respect to any one of the debit cards. And send to the server via
The server
Sending the customer card information received from the mobile terminal and a signal giving the customer information to the computer for financial institutions via the Internet,
The financial institution computer is
In response to reception of the customer card information and a signal giving the customer information, the payment card corresponding to the card number is a card issued by the predetermined financial institution from the customer card information and the current time is Confirm whether the card is a genuine card within the card validity period, and if the authentic card is confirmed, a signal giving information for authenticating the authentic card is transmitted to the server device via the Internet. And
The server
Based on a signal that provides information authenticating the authenticity card received from the financial institution computer via the Internet, at least the customer information is stored in a database electrically connected to the server, and While registering the user as a customer, a signal notifying the completion of the registration is transmitted to the portable terminal via the Internet,
(B) When the store computer sends a store participation application signal to the server of the server device via the Internet in response to an operation on the store side,
In response to receiving the store participation application signal, the server transmits a second application software program to the store computer via the Internet,
The store computer is:
Installing the second application software program downloaded from the server device via the Internet into the store computer;
After the installation is completed, the second application software program is activated in accordance with the operation on the store side, and a signal that gives store information including the store name based on a command signal issued from the program after the activation To the server via the Internet,
The server
A signal for giving the store information received from the store computer is stored in the database and the store is registered as a participating store, while a signal notifying the completion of the registration is sent via the Internet to the store computer. Send to
The store computer is:
After receiving the registration completion notification signal as the participating store transmitted from the server, the product information including the product name and the product price regarding the product in the store, or the service name and service provision price provided at the store are included. A signal giving service information is transmitted to the server via the Internet,
(C) When the store side wishes the store side to perform the payment settlement of the price with the settlement card by using the mobile terminal device at the time of purchasing a product at the store or regarding payment for providing services Is
Based on the product information or the service name, the store computer calculates the price of all products purchased by the user at the store or the price of all services provided by the user at the store. A signal that gives financial information required at the time of transmission to the server via the Internet,
The portable terminal receives a signal for giving the customer ID and the customer password in the customer information under the operation of the first application software program according to the operation of the user via the Internet. , Send to the store computer,
The server computer sends a user confirmation request signal for confirming the presence / absence of registration of the user based on the customer ID and the customer password information received from the mobile terminal via the Internet. To the server,
The server
In response to receiving the user confirmation request signal, whether or not the user is registered by a process of comparing the customer information of the user given by the user confirmation request signal with the customer information stored in the database. Search
As a result of the search process, when it is confirmed that the user is the registered customer, the user can settle the payment with the authentic card based on at least a signal giving customer information about the user. Sending a signal to confirm whether it is a customer to the computer for financial institutions via the Internet,
The financial institution computer is
In response to the receipt of the payment request confirmation request signal transmitted from the server, it is determined from the customer information of the user whether the user is a customer capable of payment payment with the genuine card. ,
If the user confirms that the user is a customer who can pay with the genuine card according to the determination result, the predetermined financial institution pays the user with the payment card of the user. When an authentication signal that approves settlement is sent to the server via the Internet,
The server
In response to receiving the authentication signal, a communication signal indicating that card payment by the payment card is possible is transmitted to the mobile terminal of the user,
When the mobile terminal of the user returns a signal instructing execution of settlement completion in response to reception of the contact signal to the server,
A signal for notifying completion of settlement and a signal for notifying completion of settlement are transmitted to the financial institution computer and the store computer, respectively, via the Internet.
A program that causes a computer to execute a series of electrical processes. A program used in a payment system for a mobile terminal that uses a mobile terminal that can be connected to the Internet to perform payment payment when a user purchases a product or receives a service at a store,
(A) When the mobile terminal transmits a use application signal to the server of the server device after the mobile terminal is electrically connected to the server device via the Internet in response to the operation of the user,
In response to receiving the use application signal, the server transmits a first application software program to the mobile terminal via the Internet,
The portable terminal is
Installing the first application software program downloaded from the server device via the Internet in a storage unit in the portable terminal;
After the installation is completed, the credit card issued by a predetermined financial institution based on a command signal issued from the program after the activation is started in response to the user's operation and the first application software A signal that provides customer card information including at least a card number and customer information including at least a customer ID, a customer password, and a customer name specified by the user, with respect to any one of the debit cards. And send to the server via
The server
Sending the customer card information received from the mobile terminal and a signal giving the customer information to the computer for financial institutions via the Internet,
The financial institution computer is
In response to reception of the customer card information and a signal giving the customer information, the payment card corresponding to the card number is a card issued by the predetermined financial institution from the customer card information and the current time is Confirm whether the card is a genuine card within the card validity period, and if the authentic card is confirmed, a signal giving information for authenticating the authentic card is transmitted to the server device via the Internet. And
The server
Based on a signal that provides information authenticating the authenticity card received from the financial institution computer via the Internet, at least the customer information is stored in a database electrically connected to the server, and While registering the user as a customer, a signal notifying the completion of the registration is transmitted to the portable terminal via the Internet,
(B) When the store computer sends a store participation application signal to the server of the server device via the Internet in response to an operation on the store side,
In response to receiving the store participation application signal, the server transmits a second application software program to the store computer via the Internet,
The store computer is:
Installing the second application software program downloaded from the server device via the Internet into the store computer;
After the installation is completed, the second application software program is activated in accordance with the operation on the store side, and a signal that gives store information including the store name based on a command signal issued from the program after the activation To the server via the Internet,
The server
A signal for giving the store information received from the store computer is stored in the database and the store is registered as a participating store, while a signal notifying the completion of the registration is sent via the Internet to the store computer. Send to
The store computer is:
After receiving the registration completion notification signal as the participating store transmitted from the server, the product information including the product name and the product price regarding the product in the store, or the service name and service provision price provided at the store are included. A signal giving service information is transmitted to the server via the Internet,
(C) When the store side wishes the store side to perform the payment settlement of the price with the settlement card by using the mobile terminal device at the time of purchasing a product at the store or regarding payment for providing services Is
Based on the product information or the service name, the store computer calculates the price of all products purchased by the user at the store or the price of all services provided by the user at the store. A signal that gives financial information required at the time of transmission to the server via the Internet,
In response to the user's operation, the portable terminal receives a signal that gives the customer ID and the customer password in the customer information under the operation of the first application software program, via communication, Send to the store computer,
The server computer sends a user confirmation request signal for confirming the presence / absence of registration of the user based on the customer ID and the customer password information received from the mobile terminal via the Internet. To the server,
The server
In response to receiving the user confirmation request signal, whether or not the user is registered by a process of comparing the customer information of the user given by the user confirmation request signal with the customer information stored in the database. Search
As a result of the search process, when it is confirmed that the user is the registered customer, the user can settle the payment with the authentic card based on at least a signal giving customer information about the user. Sending a signal to confirm whether it is a customer to the computer for financial institutions via the Internet,
The financial institution computer is
In response to the receipt of the payment request confirmation request signal transmitted from the server, it is determined from the customer information of the user whether the user is a customer capable of payment payment with the genuine card. ,
If the user confirms that the user is a customer who can pay with the genuine card according to the determination result, the predetermined financial institution pays the user with the payment card of the user. When an authentication signal that approves settlement is sent to the server via the Internet,
The server
In response to receiving the authentication signal, a communication signal indicating that card payment by the payment card is possible is transmitted to the mobile terminal of the user,
When the mobile terminal of the user returns a signal instructing execution of settlement completion in response to reception of the contact signal to the server,
A signal for notifying completion of settlement and a signal for notifying completion of settlement are transmitted to the financial institution computer and the store computer, respectively, via the Internet.
A program that causes a computer to execute a series of electrical processes.

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