JP6935514B2 - Payment account management server, payment account management system, payment account management method, and payment account management program - Google Patents

Description

The present invention relates to a payment account management server, a payment account management system, a payment account management method, and a payment account management program.

In recent years, a technique has been developed in which a user who uses a vehicle pays a service fee to a service provider by using a terminal device such as a mobile phone when the user uses the service related to the vehicle. For example, a technology in which a user who uses a car dispatch service installs an application for the car dispatch service on his / her mobile phone and pays the service fee (traffic fee from the departure point to the destination point) using the application. It has been known. Further, for example, in Patent Document 1, a mobile phone owned by a vehicle user communicates with a server connected to a mobile phone company's system via a dedicated gate provided on a toll road such as an expressway. However, a technique for collecting tolls on toll roads such as expressways from users via a mobile phone company is disclosed.

Japanese Patent Application Laid-Open No. 2003-187281

However, in the prior art of paying a fee for a vehicle, the payment by the vehicle user to each of the service providers is independent of each other. For example, when a user travels from a departure point to a destination using a car dispatch service via a highway, the payment of the car dispatch fee and the payment of the toll of the highway are separate. There is no integrated information as it is processed independently as a payment. For this reason, it is difficult for the vehicle user to comprehensively grasp the charge related to the vehicle. Therefore, there is a need for a technology that can correlate payments made by vehicle users to each of the service providers.

In view of the above issues, the present invention provides a payment account management server, a payment account management system, a payment account management method, and a payment account management program capable of associating payments made by vehicle users to each of the service providers. do.

According to the first aspect of the present invention, the payment account management server (4) is a service system management server (3) that manages a service system that provides a service to a user (U) who uses the vehicle (2). From each, the billing information reception unit (401) that receives the billing information associated with the payment account ID of the user and the charge of the service, and the charge of the service for each user based on the payment account ID. The payment processing unit (402) that performs payment processing to each of the financial institutions (5) associated with the service, and the usage statement information indicating the total of the charges of the service by totaling the charges of the service in the payment account ID. Is provided with a usage detail information notification unit (404) for notifying the user.
In this way, the vehicle user pays each of the service providers by the vehicle user by paying each of the financial institutions (financial institution system) associated with the service through the payment account management server. Payments to each of the service providers can be associated and integrated.
Further, the usage statement information notification unit totals the service charges in the payment account ID and notifies the user of the usage statement information indicating the total service charges, so that the vehicle user can perform the service related to the vehicle. You can comprehensively grasp the charges for.

Further, according to the second aspect of the present invention, in the payment account management server (4) according to the first aspect of the present invention, the service is a highway service, a parking lot service, and an area billing service. , Taxi service, and at least one of the car dispatch services.
By doing so, the payment account management server can integrate a wide variety of vehicle-related services, making it easier for vehicle users to comprehensively grasp vehicle-related service charges. Become.

Further, according to the third aspect of the present invention, in the payment account management server (4) according to the first aspect or the second aspect of the present invention, the payment processing unit (402) is the payment account ID. Based on the above, payment processing of the service fee is performed by transmitting billing information of the service fee for each user (U) to each of the financial institutions (5).
By doing so, the payment processing unit of the payment account management server only performs the process of transmitting the billing information of the service charge for each user to each of the financial institutions (financial institution system) associated with the service. Therefore, the processing load can be suppressed low, and the processing function can be easily implemented. Therefore, a low-spec server can be used as the payment account management server, and it is very easy to introduce the payment account management server. In addition, each financial institution (financial institution system) to which billing information is sent from the payment account management server can perform actual financial processing from the user by any procedure, so processing is free. The degree can be increased.

Further, according to the fourth aspect of the present invention, the payment account management system (1) is the payment account management server (4) according to any one of the first to third aspects of the present invention. The service system management server (3) and a charge determination device (10) for transmitting the billing information to the service system management server are provided.
By doing so, each service system management server receives billing information from the same user (vehicle user) via the charge determination device, and sends the received billing information to the payment account management server for aggregation. Can be made to. As a result, the payment by the vehicle user to each of the service providers can be made in association with each other by making the payment to each of the service providers by the vehicle user through the payment account management server.

Further, according to the fifth aspect of the present invention, in the payment account management system (1) according to the fourth aspect of the present invention, the charge determination device (10) is mounted on the vehicle (2). The service system has a transponder (10A) and a terminal device (10B) possessed by the user (U) of the vehicle, and the charge determination device is at the timing when the cooperation between the transponder and the terminal device is completed. The billing information is transmitted to the management server (3).
By doing so, the billing information is sent to the service system management server when the cooperation between the transponder and the terminal device is completed, so the service is provided at the exact timing when the service provided to the user is completed. It is possible to determine the charge for the service and send the correct billing information to the service system management server for appropriate payment processing.

Further, according to the sixth aspect of the present invention, the payment account management method is a service system management server in which the billing information reception unit of the payment account management server manages a service system that provides a service to a user who uses a vehicle. The billing information reception step (S112) for receiving the billing information associated with the payment account ID of the user and the charge of the service from each of the above, and the payment processing unit of the payment account management server are based on the payment account ID. Then, the payment processing step (S113) of performing the payment processing of the fee for the service for each user to each of the financial institutions associated with the service, and the usage statement information notification unit of the payment account management server make the payment. It includes a usage statement information notification step (S123) for summing the charges for the service in the account ID and notifying the user of usage statement information indicating the total charge for the service.

Further, according to the seventh aspect of the present invention, the computer as the payment account management server can be used from each of the service system management servers that manage the service system that provides the service to the user who uses the vehicle. A billing information reception unit that receives billing information that associates a payment account ID with a charge for the service, and a finance associated with the service for payment processing of the charge for the service for each user based on the payment account ID. The payment processing unit performed by each institution and the charge of the service in the payment account ID are totaled, and the usage detail information indicating the total charge of the service is made to function as a usage detail information notification unit for notifying the user.

According to the payment account management server, payment account management system, payment account management method, and payment account management program described above, payments by vehicle users to each of the service providers can be associated.

It is the schematic which shows the overall structure of the payment account management system which concerns on 1st Embodiment. It is a block diagram explaining the functional structure of the payment account management system which concerns on 1st Embodiment. It is explanatory drawing which shows the example of the payment account information which concerns on 1st Embodiment. It is a flowchart which shows the operation of the payment account management system which concerns on 1st Embodiment. It is the schematic which shows the overall structure of the payment account management system which concerns on 2nd Embodiment. It is a block diagram explaining the functional structure of the charge determination apparatus provided in the payment account management system which concerns on 2nd Embodiment. It is a flowchart which shows the operation of the payment account management system which concerns on 2nd Embodiment. It is a schematic block diagram which shows the structure of the computer which concerns on at least one Embodiment.

<First Embodiment>
Hereinafter, the first embodiment will be described with reference to the drawings. The same or corresponding configurations are designated by the same reference numerals in all drawings, and common description will be omitted.

(Overall configuration of payment account management system according to the first embodiment)
FIG. 1 is a schematic view showing the overall configuration of the payment account management system 1 according to the first embodiment. The overall configuration of the payment account management system 1 according to the first embodiment will be described with reference to FIG.

As shown in FIG. 1, the payment account management system 1 includes a charge determination device 10, a service system management server 3, and a payment account management server 4 possessed by a user U who uses the vehicle 2. In the first embodiment, a case where the expression "user U uses vehicle 2" means "user U receives the taxi service of vehicle 2 which is a taxi" will be described. The expression "user U uses vehicle 2" means "user U rides on vehicle 2 and drives" and "user U provides vehicle dispatch service for vehicle 2 related to vehicle dispatch service". Use such as "receive", "user U receives the provision of the rental service of the vehicle 2 which is a rental vehicle", and "user U receives the provision of the automatic driving service of the vehicle 2 which is an automatic driving vehicle". It means all other situations in which the person U uses the vehicle 2.

As will be described later, the service system management server 3 is a management server that manages a service system that provides a specific service to the user U who uses the vehicle 2. In the first embodiment, as shown in FIG. 1, the payment account management system 1 has two service system management servers 3. In the first embodiment, the two service system management servers 3 are the vehicle dispatch system integrated server 3A (first service system management server 3A) that manages the service system that provides the taxi service, and the highway traffic. The case of the ETC system integrated server 3B (second service system management server 3B) that manages the highway service system that provides the highway service such as payment of tolls will be described. The service provided by the service provider using the service system management server 3 is, for example, one of a highway service, a parking lot service, an area billing service, a taxi service, and a car dispatch service. It may be another service. The payment account management system 1 may have three or more service system management servers 3. Further, the service system management server 3 is other than the above-mentioned service system management server, for example, a parking lot system integration server, an ERP system integration server, a vehicle dispatch system integration server, an autonomous vehicle system integration server, and the like. It may be there.

Each of the service system management servers 3 (3A, 3B) communicates with the charge determination device 10 owned by the user U who uses the vehicle 2, and uses the charge determination device 10 for a predetermined service as described later. It is configured to receive billing information associated with the charge (service charge) related to the vehicle 2 used by the person U and the payment account ID stored in advance in the charge determination device 10. In the first embodiment, the service provided by the service system managed by the first service system management server 3A is a taxi service, and the above-mentioned service charge is a taxi usage charge. The service provided by the service system managed by the second service system management server 3B is an expressway service, and the above-mentioned service charge is an expressway toll. The above-mentioned service charges include, for example, parking lot usage charges, ERP charges, rental car usage charges, automobile dispatch service usage charges, and automatic driving vehicle usage charges, depending on the service to be used. You can do it.

The service system management server 3 (3A, 3B) is configured to store the received billing information and transmit the received billing information to the payment account management server 4. In the first embodiment, in order to simplify the explanation, the service system management server 3 (3A, 3B) only receives, stores, and transmits the billing information for each user U. As described above, the service system management server 3 (3A, 3B) may perform other processing for managing the service system, such as collating the billing information for each user U.

As shown in FIG. 1, the payment account management server 4 is connected to each of the service system management servers 3 (3A, 3B). Further, as shown in FIG. 1, the payment account management server 4 is connected to each of the systems 5 (5A, 5B) of the financial institution. In the first embodiment, the case where the payment account management server 4 is connected to the systems 5A and 5B of two financial institutions will be described, but the system of the financial institution to which the payment account management server 4 is connected is 3 or more. It may be. Further, in the first embodiment, the system 5A of the financial institution is the system of the credit card company (for example, the ABC credit card company shown in FIG. 3), and the system 5B of the financial institution is the system of the bank (for example, XYZ shown in FIG. 3). The case of the system of a bank) will be described, but the system 5 of a financial institution may be the system of another financial institution.

The payment account management server 4 is a management server that manages the payment account of the user U and associates payments to each of the service providers, as will be described later. When the payment account management server 4 receives billing information from each of the service system management servers 3 (3A, 3B), the system 5 (5A, 5B) of the financial institution contracted by the user U based on the payment account information. It is configured to process payments for services. In the first embodiment, the payment account management server 4 uses the payment account ID of the service for each user U included in the received billing information as a payment means for the service fee based on the stored payment account information. Identify the paying financial institution that is the financial institution. Next, the payment account management server 4 processes the payment of the service charge by transmitting the billing information of the service charge for each user U to the system of the specified payment financial institution. As a result, the system 5 of the payment financial institution that received the billing information performs actual monetary processing such as transferring an amount equivalent to the service charge from the user U's account to the service provider's account. ..

The payment account management server 4 is different from the process of transmitting the billing information of the service charge for each user U, for example, the payment account management server 4 itself performs the same process as the process performed by the system 5 of the financial institution. May be processed as payment processing of the service fee. The payment account management server 4 is configured to notify the user U of usage statement information indicating the total charge of each service after the payment process of the charge of each service is performed.

In the first embodiment, the charge determination device 10 possessed by the user U who uses the vehicle 2 receives radio waves from a plurality of satellites (not shown) of GNSS (Global Navigation Satellite System). However, the position of the charge determination device 10 possessed by the user U who uses the vehicle 2 may be calculated and determined as the position of the vehicle 2. It should be noted that the position of the fare determination device 10 possessed by the user U is the position of the vehicle 2 not only when the user U who possesses the fare determination device 10 is on the vehicle 2 but also when the user U is in the vicinity of the vehicle 2. It may be calculated as a position.

The charge determination device 10 is a smartphone, a mobile phone, a PDA terminal, another communicable mobile electronic device, or the like possessed by the user U of the vehicle 2, and is a program so that an application can be installed and started as described later. It may be able to execute, store, and calculate. In the first embodiment, a case where the charge determination device 10 is a smartphone will be described. The charge determination device 10 may include a user interface for displaying lights, images, marks, etc., voice recognition, sound functions, and the like. As will be described later, the charge determination device 10 is configured to be able to communicate with the service system management server 3 via a communication network N such as a 3G line network, a 4G line network, and an LTE line network.

In the first embodiment, the charge determination device 10 may have an application installed as described later and can execute, store, and calculate a program. The charge determination device 10 may include a user interface for displaying lights, images, marks, etc., voice recognition, sound functions, and the like. As will be described later, the charge determination device 10 can communicate with each of the service system management servers 3 (3A, 3B) via a communication network N such as a 3G line network, a 4G line network, and an LTE line network. It is configured.

(Functional configuration of payment account management system according to the first embodiment)
FIG. 2 is a block diagram illustrating a functional configuration of the payment account management system 1 according to the first embodiment. FIG. 2 shows a detailed functional configuration of the charge determination device 10, the service system management server 3 (3A, 3B), and the payment account management server 4 included in the payment account management system 1. The functional configurations of the charge determination device 10, the service system management server 3 (3A, 3B), and the payment account management server 4 included in the payment account management system 1 will be described with reference to FIG.

<Functional configuration of charge determination device>
The charge determination device 10 includes a setting information storage unit 101 (101A, 101B), a vehicle information management unit 102 (102A, 102B), a charge determination information acquisition unit 103 (103A, 103B), and a charge determination unit 104 (104A, 104B). , And a billing information transmission processing unit 105 (105A, 105B). In the first embodiment, the taxi service application that cooperates with the first service system management server 3A is installed as the first application on the toll rate determination device 10 that is a smartphone, and this first application is the vehicle information management unit. It may function as 102A, a charge determination information acquisition unit 103A, a charge determination unit 104A, and a charge information transmission processing unit 105A. Similarly, in the first embodiment, an application for a highway service that cooperates with the second service system management server 3B is installed as a second application on the toll determination device 10 which is a smartphone, and this second application. May function as the vehicle information management unit 102B, the charge determination information acquisition unit 103B, the charge determination unit 104B, and the charge information transmission processing unit 105B. The vehicle information management unit 102 (102A, 102B), the charge determination information acquisition unit 103 (103A, 103B), the charge determination unit 104 (104A, 104B), and the charge information transmission processing unit 105 (105A, 105B) The charge determination device 10 may be provided from the beginning without being introduced as an application.

In the first embodiment, the user U operates the charge determination device 10 which is a smartphone for both the first application and the second application, and inputs an application start command to the charge determination device 10. Launches the application. Similarly, when the user U inputs the service start command to the charge determination device 10, the service of the application is started, and when the user U inputs the service end command, the service of the application is terminated.

The setting information storage unit 101 (101A, 101B) determines the payment account ID of the service for each user U who owns the charge determination device 10, and the charge determination information for determining the charge of the service provided to the user U. Is configured to be remembered. More specifically, the setting information storage unit 101A stores the payment account ID of the taxi service for each user U who owns the charge determination device 10, and the charge determination information for determining the charge of the taxi service service. It is configured to. Similarly, the setting information storage unit 101B has a payment account ID for the highway service for each user U who owns the toll determination device 10, and toll determination information which is information for determining the toll for the highway service. Is configured to be remembered.

In the first embodiment, for example, when the application is installed in the charge determination device 10, the user U inputs his / her payment account ID into the charge determination device 10 to set information storage unit 101 (101A, 101B). The payment account ID of the user U may be stored in the user U. That is, the payment account ID of the taxi service of the user U is stored when the first application is installed on the toll determination device 10, and the highway of the user U is stored when the second application is installed on the toll determination device 10. The payment account ID of the service may be stored. The payment account ID may be information that can identify the user U, such as the user U's name, e-mail address, credit card number, bank account number, and prepaid card information.

In the first embodiment, the case where the fare determination information is the travel route and the mileage of the vehicle 2 being used by the user U will be described. However, the fare determination information includes, for example, the vehicle type, the license plate information, and the like. And other information for determining the price of the service provided to the user U, such as vehicle inspection information. The traveling route and traveling distance of the vehicle 2 are determined by the vehicle information management unit 102 (102A, 102B) described later, and may be periodically stored in the setting information storage unit 101 (101A, 101B), for example.

The vehicle information management unit 102 (102A, 102B) is configured to manage the vehicle information of the vehicle 2. In the first embodiment, for example, the vehicle information management unit 102 (102A, 102B) uses the vehicle 2 based on the information of the radio wave from the GNSS satellite received via the radio wave receiving interface (not shown). The position of the charge determination device 10 possessed by the user U may be periodically calculated as the current position of the vehicle 2, and the traveling route and traveling speed of the vehicle 2 may be determined from the calculated change amount of the current position of the vehicle 2. .. The vehicle information management units 102A and 102B may store the determined travel route and travel speed of the vehicle 2 in the setting information storage units 101A and 101B as charge determination information, respectively.

The charge determination information acquisition unit 103 (103A, 103B) is configured to acquire charge determination information for determining the charge of the service provided to the user U. In the first embodiment, the charge determination information acquisition units 103A and 103B may acquire charge determination information by referring to the setting information storage units 101A and 101B, respectively. The charge determination information acquisition units 103A and 103B are configured to input the acquired charge determination information to the charge determination units 104A and 104B, respectively. In the first embodiment, the case where the charge determination information acquisition unit 103 (103A, 103B) periodically acquires the charge determination information will be described, but the charge by the charge determination information acquisition unit 103 (103A, 103B) will be described. The acquisition of decision information may be performed irregularly.

The charge determination unit 104 (104A, 104B) is configured to determine the charge of the service provided to the user U based on the charge determination information acquired by the charge determination information acquisition unit 103 (103A, 103B). ing. In the first embodiment, the fare determination unit 104A is configured to determine the fare for the taxi service provided to the user U, and the fare determination unit 104B determines the expressway provided to the user U. It may be configured to determine the price of the service.

In the first embodiment, the charge determination unit 104 (104A, 104B) determines the service charge based on the charge determination information at the timing when the service end command of the application is input to the charge determination device 10 from the user U. However, the charge determination unit 104 (104A, 104B) may determine the service charge at other timings. For example, at the timing when the charge determination information acquisition unit 103 (103A, 103B) periodically acquires the charge determination information and inputs the charge determination information to the charge determination unit 104 (104A, 104B), the charge determination unit 104 (104A, 104B) may periodically determine the price of the service. The charge determination unit 104 (104A, 104B) is configured to input the charge information of the determined service to the charge information transmission processing unit 105 (105A, 105B).

When the charge information of the service determined by the charge determination unit 104 (104A, 104B) is input, the charge information transmission processing unit 105 (105A, 105B) stores in advance in the setting information storage unit 101 (101A, 101B). It is configured to acquire the payment account ID of the user U, associate the service charge information with the payment account ID, and send it to the service system management server 3 (3A, 3B) as billing information. More specifically, the billing information transmission processing unit 105A associates the charge information of the taxi service for each user U with the payment account ID of the taxi service of the user U and uses the first service system management server 3A as billing information. It is configured to send to. Similarly, the billing information transmission processing unit 105B associates the charge information of the highway service for each user U with the payment account ID of the service of the highway of the user U and uses the second service system as billing information. It is configured to send to the management server 3B.

<Functional configuration of service system management server>
The service system management server 3 (3A, 3B) includes a billing information reception processing unit 301 (301A, 301B), a billing information storage unit 302 (302A, 302B), and a billing information transmission processing unit 303 (303A, 303B). Since the first service system management server 3A and the second service system management server 3B are configured in the same manner and function in the same manner, the first service system management server 3A will be described below.

The charge information reception processing unit 301A of the service system management server 3A is configured to receive the charge information transmitted from the charge information transmission processing unit 105A of the charge determination device 10 via the communication network N. When the charge information reception processing unit 301 receives the charge information from the charge determination device 10, the charge information reception processing unit 301 is configured to store the received charge information in the charge information storage unit 302A and input it to the charge information transmission processing unit 303A.

The billing information transmission processing unit 303A of the service system management server 3A is configured to transmit the input billing information to the payment account management server 4 when the billing information is input from the billing information reception processing unit 301A.

<Functional configuration of payment account management server>
The payment account management server 4 includes a billing information receiving unit 401, a payment processing unit 402, a payment account information storage unit 403, and a usage statement information notification unit 404.

The billing information receiving unit 401 of the payment account management server 4 is configured to receive billing information transmitted from each of the service system management servers 3 (3A, 3B). When the billing information receiving unit 401 receives the billing information from each of the service system management servers 3 (3A, 3B), the billing information receiving unit 401 is configured to input the received billing information to the payment processing unit 402.

When the billing information is input from the billing information receiving unit 401, the payment processing unit 402 of the payment account management server 4 refers to the payment account information storage unit 403 and is a service for each user U included in the input billing information. It is configured to identify the payment financial institution that is the payment means of the service fee from the payment account ID of. Further, the payment processing unit 402 is configured to transmit billing information for the service charge for each user U to the system 5 (5A, 5B) of the specified financial institution as payment processing for the service charge for each user U. Has been done. The payment processing unit 402 is configured to input billing information for the service charge for each user U into the usage statement information notification unit 404 after performing payment processing for the service charge for each user U.

The payment account information storage unit 403 of the payment account management server 4 is configured to store payment account information. FIG. 3 is an explanatory diagram showing an example of payment account information according to the first embodiment. The payment account information storage unit 403 according to the first embodiment may store the payment account information shown in FIG. As shown in FIG. 3, the payment account information may be configured so that, for example, the payment account information for each specific user U is associated with the payment account information. In the case shown in FIG. 3, the payment account information of the user U1 (U) is included in the first line, and the payment account information of the user U2 (U) is included in the second line. Similarly, each line contains payment account information for a particular user U. Further, as shown in the item names in each column of FIG. 3, the payment account information includes, for example, the name of the user U, the e-mail address, the credit card number, the bank account number, and each service for each user U. It may include information on the paying financial institution that is the means of payment. In addition to the above-mentioned information, the payment account information may include information associated with each specific user U, such as prepaid card information.

For example, in the case shown in FIG. 3, as can be seen by looking at the first line from left to right, the payment account ID of a certain user U1 (U) has a name of "YAMADA TAROU" and an e-mail address. It is "ym@xxxx.xxx", the credit card number is "4XXXXXXXXXXXXXXX", and the bank account number is "000XXXXYYYYYYY". Further, in the case shown in FIG. 3, the payment financial institution of the first service of the user U1 (U) is the "ABC credit card company", and the payment financial institution of the second service is the "XYZ bank". ..

Furthermore, in the case shown in FIG. 3, as can be seen by looking at the second line from left to right, the payment account ID of another user U2 (U) has a name of "INOUE HANAKO" and an email. The address is "inoue_h@yyy.zzz", the credit card number is "5YYYYYYYYYYYYYYY", and the bank account number is "999AAAABBBBBBB". Further, in the case shown in FIG. 3, the payment financial institution of the first service of the user U2 (U) is "DEF Bank", and the payment financial institution of the second service is "OPQ credit card company". ..

In the first embodiment, the payment account ID in the first service system management server 3A is the bank account number of the user U, and the payment account ID in the second service system management server 3B is the email address of the user U. Assuming a certain case, the payment account information shown in FIG. 3 includes a payment account ID in the first service system management server 3A and the second service system management server 3B. Therefore, the payment account information shown in FIG. 3 is information associated with the payment account ID of the user U in each service system management server 3.

The usage statement information notification unit 404 of the payment account management server 4 totals the service charges (billing information) for each user U input from the payment processing unit 402, and uses the usage statement information indicating the total service charges. It is configured to notify the person U. In the first embodiment, the user U is notified by sending an e-mail containing the usage details information to the user U, but by other methods such as posting on a specific WEB site, for example. Notification to the user U may be made.

(Processing flow of operation of payment account management system in the first embodiment)
FIG. 4 is a flowchart showing the operation of the payment account management system 1 according to the first embodiment. The operation of the payment account management system 1 according to the first embodiment will be described with reference to FIG. In FIG. 4, the processing performed by the charge determination device 10, the first service system management server 3A, the second service system management server 3B, and the payment account management server 4 included in the payment account management system 1 is performed by the user U. Shown with processing.

In the first embodiment, payment is made when the user U uses a taxi (first service) and travels from a predetermined departure point to a predetermined destination via a highway (second service). The processing flow of the operation of the account management system 1 will be described.

Before the taxi (vehicle 2) to be boarded starts traveling toward the destination, the user U at the departure point operates the smartphone, which is the charge determination device 10 possessed by the taxi (vehicle 2), and installs the taxi in the charge determination device 10. The first application (the application that provides the taxi service) is started, and the service start command of the first application is input (step S101). As a result, the service of the first application is started (step S102). In the first embodiment, a case where the service start command of the first application input by the user U is a service start command for starting a service for paying a taxi fare will be described. Therefore, the service for paying the taxi fare is started by inputting the service start command of the first application.

As described above, since the service of the first application is started, the vehicle information management unit of the charge determination device 10 while the vehicle 2 on which the user U is riding is traveling from the departure point to the destination point. 102 periodically calculates the position of the charge determination device 10 possessed by the user U who uses the vehicle 2 as the current position of the vehicle 2 based on the information of the radio wave received from the GNSS satellite, and calculates the position of the vehicle 2. The traveling route and traveling speed of the vehicle 2 are determined from the amount of change in the current position and stored in the setting information storage unit 101A.

Before entering the expressway, the user U operates the toll determination device 10 in possession of the toll determination device 10 in order to pay the toll for the expressway traveling by the vehicle 2 by using the toll determination device 10. The installed second application (application that provides the service of the expressway) is started, and the service start command of the second application is input (step S103). As a result, the service of the second application is started (step S104). In the first embodiment, a case where the service start command of the second application input by the user U is a service start command for starting a service for paying a toll on the expressway will be described. Therefore, by inputting the service start command of the second application, the service for paying the toll of the expressway is started.

As described above, since the service of the second application is started, the vehicle information management unit 102 of the toll determination device 10 is GNSS satellite while the vehicle 2 on which the user U is riding is traveling on the highway. Based on the information of the radio wave received from, the position of the charge determination device 10 possessed by the user U who uses the vehicle 2 is periodically calculated as the current position of the vehicle 2, and the calculated change amount of the current position of the vehicle 2 is calculated. Therefore, the traveling route and traveling speed of the vehicle 2 are determined and stored in the setting information storage unit 101B.

The user U operates the toll determination device 10 possessed at a predetermined timing such as after the vehicle 2 leaves the expressway, and the second application of the toll determination device 10 (application for providing the service of the expressway). The service termination command of (step S105) is input. As a result, the service of the second application is terminated (step S106). In the first embodiment, a case where the service termination command of the second application input by the user U is a service termination command for terminating the service for paying the toll of the expressway will be described.

When the service termination command of the second application is input, the charge determination information acquisition unit 103B of the charge determination device 10 refers to the setting information storage unit 101B and charges the second service provided to the user U. The toll determination information for determining (highway toll) is acquired (step S106), and is input to the toll determination unit 104B. In the first embodiment, the case where the vehicle information management unit 102B of the fare determination device 10 periodically stores the fare determination information in the setting information storage unit 101B at a very short time interval will be described. Therefore, it is not necessary to store the charge determination information before the charge determination information acquisition unit 103B refers to the setting information storage unit 101B in the process of step S106, but the charge determination information should be updated. In addition, before the charge determination information acquisition unit 103B refers to the setting information storage unit 101B in the process of step S106, the charge determination is calculated based on the information of the radio wave from the GNSS satellite received by the vehicle information management unit 102B. Information may be stored in the setting information storage unit 101B.

When the charge determination information is input from the charge determination information acquisition unit 103B, the charge determination unit 104B of the charge determination device 10 is provided to the user U based on the input charge determination information. The service charge (highway toll) is determined (step S107). For example, the toll determination unit 104B is "the vehicle 2 is traveling a distance of 100 km from a predetermined entrance to a predetermined exit of the expressway" based on the "travel route" and the "mileage" included in the toll determination information. , And the toll applied when the ordinary vehicle travels on the expressway for a distance of 100 km may be determined as the toll on the expressway on which the vehicle 2 has traveled. The toll determination unit 104B inputs the determined toll information of the expressway into the charge information transmission processing unit 105B as the information of the toll of the second service.

When the charge information of the second service determined by the charge determination unit 104B is input, the charge information transmission processing unit 105B of the charge determination device 10 stores the charge information for each user U in the setting information storage unit 101B in advance. Acquire the payment account ID of the second service (highway service) of the above, and associate the entered second service charge information with the payment account ID to manage the second service system as the second billing information. It is transmitted to the server 3B (ETC system integrated server 3B) (step S108). For example, the charge of the second service provided by the user U is "4000 yen", and the payment account ID of the first service for each user U is the user U's email address "ym@xxxx.xxx". In this case, the billing information transmission processing unit 105B sets the data in which the charge information of the second service "4000 yen" and the payment account ID "ym@xxxx.xxx" of the user U are associated with each other. It may be transmitted to the second service system management server 3B as the billing information of 2. As a result, the service of the second application is terminated (step S109).

The billing information reception processing unit 301B of the second service system management server 3B receives the second billing information transmitted from the charge determination device 10 (step S110). When the billing information receiving processing unit 301B receives the second billing information, the billing information receiving processing unit 301B stores the received second billing information in the billing information storage unit 302B and inputs the received second billing information to the billing information transmission processing unit 303B. The billing information transmission processing unit 303B of the second service system management server 3B transmits the input second billing information to the payment account management server 4 (step S111).

The billing information receiving unit 401 of the payment account management server 4 receives the second billing information transmitted from the second service system management server 3B (step S112). The billing information receiving unit 401 inputs the received second billing information to the payment processing unit 402. When the second billing information is input from the billing information receiving unit 401, the payment processing unit 402 refers to the payment account information storage unit 403 and provides a service for each user U included in the input second billing information. Identify the payment financial institution that will be the payment method for the service fee from the payment account ID of. ..

For example, if the second billing information includes the second service charge information "4000 yen" and the user U payment account ID "ym@xxxx.xxx" as described above, The payment processing unit 402 refers to the payment account information shown in FIG. 3 stored in the payment account information storage unit 403, and uses it based on the payment account ID "ym@xxxx.xxx" included in the second billing information. It is specified that the person U is the user U1 shown in the first line of FIG. 3 and that the second service payment financial institution of the user U1 is the "XYZ bank".

The payment processing unit 402 processes the payment by transmitting the billing information of the charge of the second service for each user U to the system 5B of the "XYZ Bank" which is the payment financial institution of the specified second service. (Step S113). Specifically, the billing information transmitted by the payment processing unit 402 includes, for example, information on the charge of the second service provided to the user U included in the second billing information (4000 yen). The name of the user U (YAMADA TAROU) obtained by referring to the payment account information shown in FIG. 3, the bank account number of the user U (000XXXXYYYYYYY), and the like may be included. Based on the received billing information, the system 5B of the financial institution that receives the billing information from the payment account management server 4, for example, sets an amount corresponding to the charge of the second service from the account of the user U of the second service. Perform actual financial processing such as transfer to the service provider's account. With the above, the payment of the charge for the second service (expressway service) is completed.

Next, the user U operates the toll determination device 10 possessed at a predetermined timing such as when the vehicle 2 which is a taxi reaches the destination point, and the first application of the toll determination device 10 (taxi service). The service termination command of the provided application) is input (step S114). In the first embodiment, a case where the service termination command of the first application input by the user U is a service termination command for terminating the service for paying the taxi fare will be described.

When the service termination command of the first application is input, the charge determination information acquisition unit 103A of the charge determination device 10 refers to the setting information storage unit 101A and charges the first service provided to the user U. Obtain the fare determination information for determining (taxi fare) (step S115), and input the information to the fare determination unit 104A. In the first embodiment, the case where the vehicle information management unit 102A of the fare determination device 10 periodically stores the fare determination information in the setting information storage unit 101A at a very short time interval will be described. Therefore, it is not necessary to store the charge determination information before the charge determination information acquisition unit 103A refers to the setting information storage unit 101A in the process of step S115, but the charge determination information should be updated. In addition, the charge determination calculated based on the information of the radio wave from the GNSS satellite received by the vehicle information management unit 102A before the charge determination information acquisition unit 103A refers to the setting information storage unit 101A in the process of step S115. Information may be stored in the setting information storage unit 101A.

When the charge determination information is input from the charge determination information acquisition unit 103A, the charge determination unit 104A of the charge determination device 10 is provided to the user U based on the input charge determination information. The service charge (taxi charge) is determined (step S116). For example, the fare determination unit 104A travels a distance of 150 km from a predetermined departure point to a predetermined destination point based on the "travel route" and "mileage" included in the fare determination information. The fare applied when the taxi carries the passengers over a distance of 150 km may be determined as the fare for the taxi related to the vehicle 2. The fare determination unit 104A inputs the determined taxi fare information to the fare information transmission processing unit 105A as the fare information of the first service.

When the charge information of the first service determined by the charge determination unit 104A is input, the charge information transmission processing unit 105A of the charge determination device 10 stores the charge information for each user U in the setting information storage unit 101A in advance. Acquires the payment account ID of the first service (taxi service), associates the entered first service charge information with the payment account ID, and uses the first service system management server as the first billing information. It is transmitted to 3A (vehicle dispatch system integrated server 3A) (step S117). For example, when the charge of the first service provided by the user U is "10,000 yen" and the payment account ID of the first service for each user U is the bank account number "000XXXXYYYYYYY" of the user U. The billing information transmission processing unit 105A uses the data associated with the charge information of the first service "10000 yen" and the payment account ID of the user U "000XXXXYYYYYYY" as the first billing information. It may be transmitted to the first service system management server 3A. As a result, the service of the first application is terminated (step S118).

The charge information reception processing unit 301A of the service system management server 3A of the first service receives the first charge information transmitted from the charge determination device 10 (step S119). When the billing information receiving processing unit 301A receives the first billing information, the billing information receiving processing unit 301A stores the received first billing information in the billing information storage unit 302A and inputs the received first billing information to the billing information transmission processing unit 303A. The billing information transmission processing unit 303A of the service system management server 3A of the first service transmits the input first billing information to the payment account management server 4 (step S120).

The billing information receiving unit 401 of the payment account management server 4 receives the first billing information transmitted from the service system management server 3A of the first service (step S121). The billing information receiving unit 401 inputs the received first billing information to the payment processing unit 402. When the first billing information is input from the billing information receiving unit 401, the payment processing unit 402 refers to the payment account information storage unit 403 and provides a service for each user U included in the input first billing information. Identify the payment financial institution that will be the payment method for the service fee from the payment account ID of.

For example, when the first billing information includes "10000 yen" which is the charge information of the first service and the payment account ID "000XXXXYYYYYYY" of the user U as described above, the payment processing unit 402 Refers to the payment account information shown in FIG. 3 stored in the payment account information storage unit 403, and the user U is in one line of FIG. 3 based on the payment account ID “000XXXXYYYYYYY” included in the first billing information. It identifies that it is the user U1 described in the eyes and that the first service payment financial institution of the user U1 is the "ABC credit card company".

The payment processing unit 402 processes the payment by transmitting the billing information of the charge of the first service for each user U to the system 5A of the "ABC credit card company" which is the payment financial institution of the specified first service. (Step S122). Specifically, the billing information transmitted by the payment processing unit 402 includes, for example, information on the charge of the second service provided to the user U included in the first billing information (10,000 yen). The name of the user U (YAMADA TAROU) obtained by referring to the payment account information shown in FIG. 3, the credit card number of the user U (4XXXXXXXXXXXXXXX), and the like may be included. The system 5A of the financial institution that received the billing information from the payment account management server 4 deducts the amount corresponding to the charge of the first service from the credit account of the user U, for example, based on the received billing information. Perform actual financial processing such as transfer to the account of the service provider of the service. With the above, payment of the charge of the first service (taxi service) is completed.

(Action, effect)
As described above, the payment account management server 4 provided in the payment account management system 1 according to the first embodiment is a service system management server 3 (3A) that manages a service system that provides services to the user U who uses the vehicle 2. From each of 3B), the billing information reception unit 401 that receives the billing information associated with the payment account ID of the user U and the charge of the service, and the charge of the service for each user U based on the payment account ID. Payment processing unit 402 that performs payment processing to each of the financial institutions 5 associated with the service, totals the service charges in the payment account ID, and notifies the user U of usage statement information indicating the total service charges. A detailed information notification unit 404 is provided.
In this way, the service is provided by the user U of the vehicle 2 by paying each of the service providers by the user U of the vehicle 2 to each of the financial institutions 5 associated with the service through the payment account management server 4. Payments to each of the parties can be associated and integrated. In particular, each service is configured such that the payment account management system 1 includes a payment account management server 4, a service system management server 3, and a charge determination device 10 for transmitting billing information to the service system management server 4. The system management server 3 receives billing information from the same user U (user U of vehicle 2) via the charge determination device 10, and transmits the received billing information to the payment account management server 4 for aggregation. can. As a result, as described above, the payment account management server 4 can associate and integrate the payments made by the user U of the vehicle 2 to each of the service providers.
Further, the usage statement information notification unit 404 totals the service charges in the payment account ID, and notifies the user U of the usage statement information indicating the total service charges, so that the user U of the vehicle 2 can be notified. It is possible to comprehensively grasp the charge of the service related to the vehicle 2.

Further, in the payment account management server 4 provided in the payment account management system 1 according to the first embodiment, the services include highway service, parking lot service, area billing service, taxi service, and car dispatch service. At least one may be included.
In this way, since the payment account management server 4 can integrate a wide variety of services related to the vehicle 2, the user U of the vehicle 2 can comprehensively grasp the service charges related to the vehicle 2. It will be easy.

Further, in the payment account management server 4 provided in the payment account management system 1 according to the first embodiment, the payment processing unit 402 sends a user to each of the financial institutions (financial institution system 5) based on the payment account ID. The payment process of the service charge may be performed by transmitting the billing information of the service charge for each U.
In this way, the payment processing unit 402 of the payment account management server 4 only performs a process of transmitting billing information for the service charge for each user U to each of the financial institutions (system 5 of the financial institution) associated with the service. Since this is performed, the processing load can be suppressed low, and the processing function can be easily implemented. Therefore, a low-spec server can be used as the payment account management server 4, and it is very easy to introduce the payment account management server 4. Further, since each of the financial institutions (financial institution system 5) to which the billing information is transmitted from the payment account management server 4 can perform the actual financial processing from the user U by an arbitrary procedure. The degree of freedom of processing can be increased.

<Second embodiment>
FIG. 5 is a schematic view showing the overall configuration of the payment account management system 1 according to the second embodiment. FIG. 6 is a block diagram illustrating a functional configuration of the charge determination device 10 included in the payment account management system 1 according to the second embodiment. FIG. 7 is a flowchart showing the operation of the payment account management system 1 according to the second embodiment. The payment account management system 1 according to the second embodiment will be described with reference to FIGS. 5 to 7. Unless otherwise specified, each component included in the payment account management system 1 according to the second embodiment is configured in the same manner as each component included in the payment account management system 1 according to the first embodiment. , Since it functions in the same way, duplicate explanations will be omitted.

As shown in FIG. 5, the charge determination device 10 according to the second embodiment includes a transponder 10A mounted on the vehicle 2 and a terminal device 10B possessed by the user U who uses the vehicle 2.

In the second embodiment, the transponder 10A mounted on the vehicle 2 receives radio waves from a plurality of satellites (not shown) of GNSS (Global Navigation Satellite System) to determine the position of the vehicle 2. It may be configured to be calculated and determined. The transponder 10A is integrated with the vehicle 2 and is configured so that it cannot be removed or replaced. For example, the transponder 10A may be fixed with a fixture such as a Kensington wire so that it cannot be physically removed from the vehicle 2. Further, for example, the transponder 10A may be authenticated by using RFID (Radio Frequency Identification), and may be configured so that it can be detected by software that it has been removed from the vehicle 2 by a tamper function or the like of RFID technology.

In the second embodiment, the terminal device 10B is a smartphone, a mobile phone, a PDA terminal, another communicable mobile electronic device, etc. possessed by the user U of the vehicle 2, and an application is installed as described later. The program may be able to be executed, stored, and calculated so that it can be started. In the second embodiment, a case where the terminal device 10B is a smartphone will be described. The terminal device 10B may include a user interface for displaying lights, images, marks, etc., voice recognition, sound functions, and the like. The terminal device 10B is configured to be able to communicate with the transponder 10A mounted on the vehicle 2. Further, the terminal device 10B is configured to be able to communicate with the service system management server 3 (3A, 3B) via, for example, a communication network N such as a 3G line network, a 4G line network, and an LTE line network.

(Functional configuration of the charge determination device according to the second embodiment)
The charge determination device 10 according to the second embodiment is the first embodiment in that the functions provided by the charge determination device 10 according to the first embodiment are distributed to the transponder 10A and the terminal device 10B. It is different from the charge determination device 10. For example, in the first embodiment shown in FIG. 2, the charge determination device 10 possessed by the user U includes both the vehicle information management unit 102A and the charge determination unit 104A, whereas as shown in FIG. 6, In the charge determination device 10 according to the second embodiment, the transponder 10A mounted on the vehicle 2 includes the vehicle information management unit 1005, and the terminal device 10B possessed by the user U who uses the vehicle 2 uses the charge determination unit 2003. I have.

<Transponder function configuration>
The transponder 10A includes an identification ID storage unit 1001, an identification ID transmission processing unit 1002, a charge determination information storage unit 1003, a charge determination information transmission processing unit 1004, a vehicle information management unit 1005, a radio wave reception interface 1010, and a communication interface 1020. Be prepared.

The identification ID storage unit 1001 is configured to store an identification ID that can uniquely identify the transponder 10A mounted on the vehicle 2. For example, the identification ID is a unique character including at least one of a number, an alphabetic character, a symbol, and the like uniquely assigned to the transponder 10A in a one-to-one association with the serial number of the vehicle 2 equipped with the transponder 10A. It can be a row. Thereby, it is possible to identify the vehicle 2 on which the transponder 10A is mounted from the identification ID of the transponder 10A. Information indicating the association between the transponder 10A and the serial number of the vehicle 2 may be held by a specific organization such as the manufacturer of the transponder 10A.

The identification ID transmission processing unit 1002 acquires the identification ID stored in the identification ID storage unit 1001 and transmits the identification ID to the terminal device 10B possessed by the user U of the vehicle 2 via the communication interface 1020. It is configured in.

The charge determination information storage unit 1003 is configured to store charge determination information for determining the charge related to the vehicle 2. In the second embodiment, a case where the charge determination information includes the travel route, mileage, vehicle type, license plate information, vehicle inspection information, etc. of the vehicle 2 being used by the user U will be described, but for charge determination. The information may be other information for determining the charge for the vehicle 2. The travel route and mileage of the vehicle 2 are determined by the vehicle information management unit 1005, which will be described later, and may be periodically stored in the charge determination information storage unit 1003, for example. Further, the vehicle type, license plate information, and vehicle inspection information of the vehicle 2 may be stored in the charge determination information storage unit 1003 in advance before the transponder 10A is mounted on the vehicle 2, for example.

The charge determination information transmission processing unit 1004 acquires the charge determination information stored in the charge determination information storage unit 1003, and while the terminal device 10B and the transponder 10A are linked, the acquired charge determination information is used. It is configured to perform a transmission process of transmitting information to the terminal device 10B possessed by the user U of the vehicle 2 via the communication interface 1020. Specifically, in the second embodiment, the charge determination information transmission processing unit 1004 receives a reception notification that the identification ID reception unit 2001 of the terminal device 10B has received the identification ID of the transponder 10A via the communication interface 1020. Upon receiving the signal, the transponder 10A and the terminal device 10B start to cooperate with each other, and the information for determining the charge is acquired and transmitted to the terminal device 10B. After that, until the connection between the transponder 10A and the terminal device 10B is disconnected, the charge determination information transmission processing unit 1004 may periodically acquire the charge determination information and transmit it to the terminal device 10B. The charge determination information transmission processing unit 1004 may acquire the charge determination information and transmit the charge determination information to the terminal device 10B at irregular intervals.

The vehicle information management unit 1005 is configured to manage the vehicle information of the vehicle 2. For example, the vehicle information management unit 1005 periodically calculates the current position of the vehicle 2 based on the radio wave information from the GNSS satellite (not shown) received via the radio wave reception interface 1010, and the calculated vehicle 2 The traveling path and traveling speed of the vehicle 2 may be determined from the amount of change in the current position. The vehicle information management unit 1005 may store the determined travel route and traveling speed of the vehicle 2 in the charge determination information storage unit 1003 as charge determination information.

The radio wave receiving interface 1010 is configured to receive radio waves from a GNSS satellite (not shown).

The communication interface 1020 is an interface that enables communication between the transponder 10A and the terminal device 10B. In the second embodiment, the case where the communication interface 1020 is configured to perform wireless communication conforming to the Bluetooth (Bluetooth®) standard between the transponder 10A and the terminal device 10B, for example, will be described. However, it may be configured to perform wireless communication according to other standards such as infrared communication and WiFi communication. Further, the communication interface 1020 may be configured such that wired communication is performed between the transponder 10A and the terminal device 10B, for example.

<Functional configuration of terminal device>
The terminal device 10B includes an identification ID reception unit 2001, a charge determination information acquisition unit 2002, a charge determination unit 2003, a charge information transmission processing unit 2004, a setting information storage unit 2005, a first communication interface 2010, and a second communication interface. 2020 is provided. In the second embodiment, the applications (first application and second application) that cooperate with the service system management server 3 (3A, 3B) are installed on the terminal device 10B which is a smartphone, and this application accepts the identification ID. It may function as a unit 2001, a charge determination information acquisition unit 2002, a charge determination unit 2003, and a charge information transmission processing unit 2004. The identification ID reception unit 2001, the charge determination information acquisition unit 2002, the charge determination unit 2003, and the charge information transmission processing unit 2004 may be provided in the terminal device 10B from the beginning without being introduced as an application.

In the second embodiment, the case where the first application and the second application are installed on the terminal device 10B will be described as in the case of the first embodiment, but the application installed on the terminal device 10B will be described. It may be another application according to a specific service used by the user U.

The identification ID reception unit 2001 is configured to receive the identification ID transmitted from the transponder 10A mounted on the vehicle 2 to be used by the user U and received via the first communication interface 2010. When the identification ID receiving unit 2001 receives the identification ID, the transponder 10A mounted on the vehicle 2 used by the user U is identified, and therefore the vehicle 2 associated with the transponder 10A on a one-to-one basis is identified. The identification ID reception unit 2001 is configured to transmit a reception notification signal indicating that the identification ID of the transponder 10A mounted on the vehicle 2 used by the user U has been received to the transponder 10A via the first communication interface 2010. Has been done.

The charge determination information acquisition unit 2002 is configured to acquire charge determination information for determining the charge related to the vehicle 2 while the terminal device 10B and the transponder 10A are linked. In the second embodiment, the charge determination information acquisition unit 2002 receives the charge determination information transmitted from the transponder 10A mounted on the vehicle 2 via the first communication interface 2010 to determine the charge. Information may be obtained. The charge determination information acquisition unit 2002 is configured to input the acquired charge determination information to the charge determination unit 2003. In the second embodiment, a case where the charge determination information acquisition unit 2002 periodically acquires the charge determination information periodically transmitted from the charge determination information transmission processing unit 1004 of the transponder 10A will be described. The charge determination information acquisition unit 2002 may acquire the charge determination information irregularly.

The charge determination unit 2003 is configured to determine the service charge based on the charge determination information acquired by the charge determination information acquisition unit 2002. In the second embodiment, a case where the charge determination unit 2003 determines the service charge based on the charge determination information at the timing when the cooperation between the transponder 10A and the terminal device 10B is completed will be described.

When the charge information determined by the charge determination unit 2003 is input, the charge information transmission processing unit 2004 acquires the user U's payment account ID stored in advance in the setting information storage unit 2005, and charges information. Is configured to be associated with the payment account ID and transmitted as billing information to the service system management server 3 (3A, 3B).

The setting information storage unit 2005 is configured to store the payment account ID of the user U holding the terminal device 10B. In the second embodiment, for example, when the application is installed on the terminal device 10B, the user U inputs his / her own payment account ID into the terminal device 10B, so that the user U's payment account is stored in the setting information storage unit 2005. The ID may be stored.

The first communication interface 2010 is an interface that enables communication between the transponder 10A and the terminal device 10B. The first communication interface 2010 is configured to perform communication conforming to the same standard as the communication interface 1020 of the transponder 10A described above. In the second embodiment, for example, wireless communication conforming to the Bluetooth (Bluetooth®) standard is performed between the transponder 10A and the terminal device 10B, but the same as in the communication interface 1020. It may be configured to perform wireless communication according to other standards such as infrared communication and WiFi communication. Further, the first communication interface 2010 may be configured such that wired communication is performed between the transponder 10A and the terminal device 10B, for example.

The second communication interface 2020 is an interface that enables communication between the terminal device 10B and the service system management server 3 (3A, 3B). In the second embodiment, the second communication interface 2020 is connected to a communication network N such as, for example, a 3G line network, a 4G line network, and an LTE line network, and the service system management server 3 ( It is configured to be able to communicate with 3A and 3B).

(Processing flow of operation of payment account management system according to the second embodiment)
The difference between the processing in the payment account management system 1 according to the second embodiment shown in FIG. 7 and the processing in the payment account management system 1 according to the first embodiment shown in FIG. 4 is the processing in steps S201 and S202. Is added. The other processing is the same as the processing flow of the payment account management system 1 according to the first embodiment shown in FIG. 4, and thus the description thereof will be omitted.

In the second embodiment, when the user U gets into the vehicle 2 which is a taxi, the transponder 10A provided in the toll determination device 10 and the terminal device 10B start cooperation (step S201), and the service of the first application is provided. (Application for providing taxi service) is started (step S102). For example, when the user U gets into the vehicle 2 which is a taxi, the transponder 10A mounted on the vehicle 2 and the terminal device 10B owned by the user U comply with the Bluetooth (Bluetooth (registered trademark)) standard. When mutual authentication is performed by the wireless communication, the cooperation between the transponder 10A and the terminal device 10B may be started. In addition , by a method other than wireless communication conforming to the Bluetooth (Bluetooth (registered trademark)) standard, for example, the user U reads the QR code (registered trademark) using the terminal device 20B and authenticates the transponder 10A. The cooperation between the transponder 10A and the terminal device 10B may be started.

Further, in the second embodiment, the first application (taxi) of the terminal device 10B is operated by operating the terminal device 10B possessed by the user U at a predetermined timing such as when the vehicle 2 which is a taxi reaches a destination point. The service termination command of the application that provides the service of (step S114) is input (step S114). When the service termination command of the first application is input, the charge determination information acquisition unit 2002 of the terminal device 10B refers to the setting information storage unit 2005 and charges the first service provided to the user U ( Obtain the fare determination information for determining the taxi fare) (step S115), and input the information to the fare determination unit 2003. Next, mutual authentication by wireless communication conforming to the Bluetooth (Bluetooth (registered trademark)) standard is canceled between the transponder 10A and the terminal device 10B, and the cooperation between the transponder 10A and the terminal device 10B is completed (step S202). ..

Next, the charge determination unit 2003 of the terminal device 10B informs the user U based on the charge determination information input from the charge determination information acquisition unit 2002 at the timing when the cooperation between the transponder 10A and the terminal device 10B is completed. The fare (taxi fare) for the first service provided is determined (step S116). The fare determination unit 2003 inputs the determined taxi fare information into the fare information transmission processing unit 2004 as the fare information of the first service. When the charge information of the first service determined by the charge determination unit 2003 is input, the charge information transmission processing unit 2004 stores the first service for each user U stored in advance in the setting information storage unit 2005. Obtain the payment account ID of (taxi service), associate the entered first service charge information with the payment account ID, and use the first service system management server 3A (vehicle dispatch system) as the first billing information. It is transmitted to the integrated server 3A) (step S117). As a result, the service of the first application is terminated (step S118). After that, the process proceeds in the same manner as in the case of the first embodiment.

In the flowchart shown in FIG. 7, the charge determination information is acquired by operating the terminal device 10B possessed by the user U and inputting the service termination command of the first application of the terminal device 10B (step S114). (Step S115), determination of the charge for the first service (step S116), transmission of the first billing information to the first service system management server 3A (vehicle dispatch system integrated server 3A) (step S117). The case where it is done was explained. However, for example, after the vehicle 2 which is a taxi reaches the destination point, the user U who possesses the terminal device 10B gets off the vehicle 2 on which the transponder 10A is mounted and leaves the transponder 10A by a predetermined distance or more. And the mutual authentication by wireless communication conforming to the Bluetooth (Bluetooth®) standard between the terminal device 10B is canceled, and the cooperation between the transponder 10A and the terminal device 10B is completed. The process of S117 may be performed.

Further, for example, as in the case of the first embodiment shown in FIG. 2, the terminal device 10B is also provided with the vehicle information management unit 102, and the vehicle 2 (transponder 10A) calculated by the vehicle information management unit 1005 of the transponder 10A. The charge determination information acquisition unit 2002 acquires the current position information and the current position information of the vehicle 2 (terminal device 10B) calculated by the vehicle information management unit 102 of the terminal device 10B, and manages the first service system. It may be sent to the server 3A on a regular basis. As a result, for example, the first service system management server 3A collates the current position of the transponder 10A with the current position of the terminal device 10B, and periodically determines whether or not the cooperation between the transponder 10A and the terminal device 10B is maintained. You may check it. For example, in the first service system management server 3A, when the distance between the current position of the transponder 10A and the current position of the terminal device 10B is less than or equal to a predetermined distance, the transponder 10A and the terminal device 10B are linked. If it is maintained and exceeds a predetermined distance, it may be determined that the cooperation between the transponder 10A and the terminal device 10B is not maintained and the cooperation is completed. For example, when the first service system management server 3A determines that the cooperation between the transponder 10A and the terminal device 10B is not maintained, the first service system management server 3A transmits this determination result to the terminal device 10B, and the terminal device 10B makes the determination. Based on the result, step S116, which is the next process when the cooperation between the transponder 10A and the terminal device 10B is completed (step S202), may be performed.

(Action, effect)
As described above, in the payment account management system 1 according to the second embodiment, the charge determination device 10 has a transponder 10A mounted on the vehicle 2 and a terminal device 10B possessed by the user U of the vehicle 2. The charge determination device 10 transmits the charge information to the service system management server 3 (3A) at the timing when the cooperation between the transponder 10A and the terminal device 10B is completed.
In this way, since the billing information is transmitted to the service system management server 3 (3A) at the timing when the cooperation between the transponder 10A and the terminal device 10B is completed, the service provided to the user U is accurately terminated. It is possible to determine the service charge at the right time, send the correct billing information to the service system management server, and perform appropriate payment processing. Thereby, for example, it is possible to avoid a situation in which the service charge is erroneously charged even after the user U gets off the vehicle 2.

Further, when the processing of steps S115 to S117 described above is performed by ending the cooperation between the transponder 10A and the terminal device 10B, the user U can save the trouble of inputting the service termination command. At the same time, it is possible to determine the service charge at a more accurate timing when the service provided to the user U ends, send the correct billing information to the service system management server, and perform appropriate payment processing. Further, as described above, when the service system management server 3 confirms whether or not the cooperation between the transponder 10A and the terminal device 10B is maintained, the cooperation between the transponder 10A and the terminal device 10B is established. It is possible to grasp the end timing more accurately.

FIG. 8 is a schematic block diagram showing a configuration of a computer according to at least one embodiment.
The computer 9 includes a CPU 91, a main storage device 92, an auxiliary storage device 93, and an interface 94.
The payment account management server 4 described above includes a computer 9. The operation of each processing unit described above is stored in the auxiliary storage device 93 in the form of a program. The CPU 91 reads a program from the auxiliary storage device 93, expands it to the main storage device 92, and executes the above processing according to the program. For example, the billing information receiving unit 401, the payment processing unit 402, and the usage statement information notification unit 404 described above may be the CPU 91.
Further, the CPU 91 secures a storage area corresponding to the above-mentioned database in the main storage device 92 or the auxiliary storage device 93 according to the program. For example, the payment account information storage unit 403 of the payment account management server 4 described above may be secured in the auxiliary storage device 93.

Further, the above-mentioned charge determination device 10 may include a computer similar to the computer 9, and the vehicle information management unit 102, the charge determination information acquisition unit 103, the charge determination unit 104, and the charge information transmission of the charge determination device 10 may be provided. The processing unit 105 may be the same CPU as the CPU 91. Further, the setting information storage unit 101 of the charge determination device 10 may be secured in the same auxiliary storage device as the auxiliary storage device 93.

Further, the above-mentioned service system management server 3 may include a computer similar to the computer 9, and the billing information reception processing unit 301 and the billing information transmission processing unit 303 of the service system management server 3 have the same CPU as the CPU 91. It may be there. Further, the billing information storage unit 302 of the service system management server 3 may be secured in the same auxiliary storage device as the auxiliary storage device 93.

Examples of the auxiliary storage device 93 include HDD (Hard Disk Drive), SSD (SolID State Drive), magnetic disk, optical magnetic disk, CD-ROM (Compact Disc Read Only Memory), and DVD-ROM (Digital Versatile Disc Read Only). Memory), semiconductor memory and the like. The auxiliary storage device 93 may be internal media directly connected to the bus of computer 9, or external media connected to computer 9 via an interface 94 or a communication line. When this program is distributed to the computer 9 via a communication line, the distributed computer 9 may expand the program to the main storage device 92 and execute the above processing. In at least one embodiment, the auxiliary storage device 93 is a non-temporary tangible storage medium.

Further, the program may be for realizing a part of the above-mentioned functions. Further, the program may be a so-called difference file (difference program) that realizes the above-mentioned function in combination with another program already stored in the auxiliary storage device 93.

Although some embodiments of the present invention have been described above, these embodiments are presented as examples and are not intended to limit the scope of the invention. These embodiments can be implemented in various other embodiments, and various omissions, replacements, and changes can be made without departing from the gist of the invention. These embodiments and modifications thereof shall be included in the scope of the invention described in the claims and the equivalent scope thereof, as well as in the scope and gist of the invention.

According to the payment account management server, payment account management system, payment account management method, and payment account management program described above, payments by vehicle users to each of the service providers can be associated.

1 Payment account management system 2 Vehicles 3, 3A, 3B Service system management server 4 Payment account management server 5, 5A, 5B Financial institution system 9 Computer 10 Price determination device 10A Transponder 10B Terminal device 91 CPU
92 Main storage device 93 Auxiliary storage device 94 Interface 101, 101A, 101B Setting information storage unit 102, 102A, 102B Vehicle information management unit 103, 103A, 103B Charge determination information acquisition unit 104, 104A, 104B Charge determination unit 105, 105A , 105B Billing information transmission processing unit 301, 301A, 301B Billing information reception processing unit 302, 302A, 302B Billing information storage unit 303, 303A, 303B Billing information transmission processing unit 401 Billing information reception unit 402 Payment processing unit 403 Payment account information storage Unit 404 Usage detail information notification unit 1001 Identification ID storage unit 1002 Identification ID transmission processing unit 1003 Charge determination information storage unit 1004 Charge determination information transmission processing unit 1005 Vehicle information management unit 1010 Radio reception interface 1020 Communication interface 2001 Identification ID reception unit 2002 Charge determination information acquisition unit 2003 Charge determination unit 2004 Charge information transmission processing unit 2005 Setting information storage unit 2010 First communication interface 2020 Second communication interface N Communication network U User

Claims (7)

A billing information reception unit that receives billing information associated with the payment account ID of the user and the charge of the service from each of the service system management servers that manage the service system that provides the service to the user who uses the vehicle.
A payment processing unit that performs payment processing of charges for the service for each user based on the payment account ID to each of the financial institutions associated with the service.
A usage statement information notification unit that totals the charges for the service in the payment account ID and notifies the user of usage statement information indicating the total charges for the service.
Payment account management server with. The payment account management server according to claim 1, wherein the service includes at least one of a highway service, a parking lot service, an area billing service, a taxi service, and a car dispatch service. The payment processing unit performs payment processing of the service fee by transmitting billing information of the service fee for each user to each of the financial institutions based on the payment account ID. The payment account management server according to claim 2. The payment account management server according to any one of claims 1 to 3.
With the service system management server
A charge determination device that transmits the billing information to the service system management server, and
Payment account management system with. The charge determination device has a transponder mounted on the vehicle and a terminal device possessed by a user of the vehicle.
The payment account management system according to claim 4, wherein the charge determination device transmits the charge information to the service system management server at the timing when the cooperation between the transponder and the terminal device is completed. The billing information reception unit of the payment account management server associates the payment account ID of the user with the charge of the service from each of the service system management servers that manage the service system that provides the service to the user who uses the vehicle. The billing information reception step that accepts the billing information
A payment processing step in which the payment processing unit of the payment account management server performs payment processing of the fee for the service for each user to each of the financial institutions associated with the service based on the payment account ID.
The usage statement information notification unit of the payment account management server totals the charges of the service in the payment account ID, and notifies the user of the usage statement information indicating the total of the charges of the service. ,
Payment account management method with. A computer as a payment account management server,
A billing information reception unit that receives billing information associated with the payment account ID of the user and the charge of the service from each of the service system management servers that manage the service system that provides the service to the user who uses the vehicle.
A payment processing unit that performs payment processing of charges for the service for each user based on the payment account ID to each of the financial institutions associated with the service.
A usage statement information notification unit that totals the charges for the service in the payment account ID and notifies the user of usage statement information indicating the total charges for the service.
A payment account management program that works.

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