JP7239761B1 - Communication terminal, payment system, payment method, and program - Google Patents

Abstract

An object of the present invention is to make settlement of goods or services easier. A communication unit that receives and communicates with a first mobile radio wave transmitted from a first base station device to a predetermined area; and the payment information acquired by the acquisition unit and the user identification information for identifying the user as payment request information for requesting payment of the payment amount from the communication unit. A communication terminal, comprising: a communication control unit that causes a payment processing device to transmit data. [Selection drawing] Fig. 1

Description

The present invention relates to a communication terminal, payment system, payment method, and program.

Electronic settlement is widely performed in shops and the like. Patent Literature 1 describes that a QR code (registered trademark) displayed on a facility terminal is photographed with a portable terminal, and the photographed QR code is transmitted to a store to request payment.

JP 2020-47231 A

Conventional payment methods, such as the technology described in Patent Document 1, require the user to send a QR code photographed with a mobile terminal to the store or to display a predetermined QR code. was difficult.

Accordingly, the present invention has been made in view of these points, and an object of the present invention is to make it possible to make settlement of goods or services more easily.

In a first aspect of the present invention, a first base station device provided in a communication terminal used by a user, which specifies a payment amount for a product or service, transmits a first message to a predetermined area. a communication unit that receives and communicates with a mobile radio wave; an acquisition unit that acquires payment information including the payment amount specified by the terminal device via the first mobile radio wave; a communication control unit for transmitting payment information and user identification information for identifying the user as payment request information requesting payment of the payment amount from the communication unit to a payment processing device for paying the payment amount; To provide a communication terminal comprising:

After the acquisition unit acquires the payment information, the communication control unit may transmit the payment request information to the payment processing apparatus without accepting the user's operation.

The terminal device further comprises a storage unit for storing authentication information used for authentication of the communication terminal, and the communication control unit, based on the fact that the communication unit receives the first mobile radio wave, the communication unit to the terminal device, and the communication unit may receive the payment information after the terminal device authenticates the authentication information.

The authentication information includes at least one of setting information of an application corresponding to a payment method handled by the payment processing device and setting information set in the communication terminal to allow the payment processing device to make a payment. It's okay.

The communication control unit may cause the terminal device to transmit the authentication information without accepting the user's operation after the communication unit receives the first mobile radio wave.

The communication unit may receive a payment completion notification indicating that payment has been completed from the payment processing device.

The communication control unit transmits the payment request information from the communication unit via a second mobile radio wave different from the first mobile radio wave transmitted by a second base station device different from the first base station device. You may make it transmit to the said payment processing apparatus.

The communication control unit may cause the payment request information to be transmitted to the payment processing apparatus using SIM information including communication authentication information for communication using the second mobile radio wave.

The acquisition unit further acquires store identification information for identifying a store or store business operator corresponding to the terminal device via the first mobile radio wave, and the communication control unit adds the payment request information to the You may transmit to the said payment processing apparatus including shop identification information.

It may further include a notification unit that notifies the user that the payment request information has been transmitted to the payment processing device in response to the communication control unit transmitting the payment request information to the payment processing device.

In a second aspect of the present invention, the communication terminal of the first aspect, and the first base station device that transmits the first mobile radio wave to the predetermined area and communicates with the communication terminal, through a second mobile radio wave different from the first mobile radio wave transmitted by the terminal device specifying the payment amount for the product or service and a second base station device different from the first base station device A payment system is provided, comprising the payment processing device that receives the payment request information from a communication terminal and settles the payment amount.

The terminal device includes a reception unit that receives an operation input indicating communication with the communication terminal input by a terminal device user who operates the terminal device, and the first base station device receives the operation input from the terminal device user. The first mobile radio wave may be transmitted to the predetermined area in response to receiving the input.

The first base station apparatus may include a femtocell.

In a third aspect of the present invention, there is provided a settlement method for settlement using a communication terminal of a user, wherein a predetermined area is received from a first base station device provided in a terminal device for specifying a settlement amount for a product or service. a step of receiving and communicating with the first mobile radio wave transmitted to the terminal device; a step of acquiring payment information indicating the payment amount specified by the terminal device; and transmitting information and user identification information for identifying the user as settlement request information requesting settlement of the settlement amount to a settlement processing device for settlement of the settlement amount. do.

A fourth aspect of the present invention provides a program that, when executed by a computer installed in a mobile terminal, causes the mobile terminal to function as the communication terminal of the first aspect.

ADVANTAGE OF THE INVENTION According to this invention, there exists an effect that settlement of accounts, such as goods or services, can be performed more simply.

A configuration example of a payment system S according to the present embodiment is shown. 1 shows a configuration example of a communication terminal 100 according to this embodiment. An example of the operation flow of the settlement system S according to the present embodiment is shown.

<Configuration example of payment system S>
FIG. 1 shows a configuration example of a payment system S according to this embodiment. The payment system S makes it possible for customers to more easily pay for products or services purchased at stores or the like. The payment system S can be applied to places where payment for goods or services is received, such as stores, ticket gates, vending machines, reception desks, and the like. In the following description, products or services are collectively referred to as products.

In this embodiment, an example in which the payment system S is applied to a store and a customer uses the communication terminal 100 to purchase a product will be described. The payment system S includes a terminal device 10 , a second base station device 20 , a payment processing device 30 and a communication terminal 100 .

The terminal device 10 is provided in a store or the like, and specifies the payment amount for the product purchased by the customer who is the user of the communication terminal 100 . The terminal device 10 is, for example, a cash register, a tablet, a PC, or the like operated by a store clerk, and specifies the payment amount based on the amount entered by the store clerk or the customer, or by reading information indicating the amount attached to the product. do. The terminal device 10 may perform processing for settling the settlement amount, and may function as a POS terminal. Terminal device 10 communicates with communication terminal 100 . The terminal device 10 has a reception unit 11 and a first base station device 12 .

The reception unit 11 receives an operation input from a store clerk who is a terminal device user who operates the terminal device. The accepting unit 11 accepts an operation input for communicating with the communication terminal 100, for example. The accepting unit 11 may accept an operation input for the terminal device 10 to specify the payment amount of the product, or may accept an operation input for the payment amount to be settled.

The first base station device 12 communicates with the terminal device 10 by transmitting a first mobile radio wave to a predetermined area. The first base station device 12 is a base station that is smaller than a base station used in a mobile phone network. is. The first base station device 12 includes a femtocell. The first base station device 12 is, for example, a 5G femtocell base station.

The first base station apparatus 12 transmits the first mobile radio wave to a predetermined area, for example, in response to the receiving unit 11 receiving an operation input for communicating with the communication terminal 100 . This enables the communication terminal 100 within the predetermined area to communicate with the terminal device 10 via the first mobile radio wave.

The predetermined area is, for example, the vicinity of the terminal device 10, and is an area where the communication terminal 100 used by the customer who makes a payment with the terminal device 10 can receive the first mobile radio wave. In addition, the predetermined area is an area in which the first mobile radio wave cannot be received by the communication terminal used by the customer who makes a payment next to the customer who makes a payment with the terminal device 10 .

The second base station device 20 transmits a second mobile radio wave different from the first mobile radio wave. The payment processing apparatus 30 and the communication terminal 100 receive the second mobile radio wave, and communication via the second mobile radio wave becomes possible. The second base station apparatus 20 transmits the second mobile radio wave to an area wider than the predetermined area in which the first base station apparatus 12 transmits the first mobile radio wave. The second base station device 20 is, for example, a base station used in a mobile phone network. In this case, a plurality of second base station apparatuses 20 are provided in a communicable area covered by the mobile phone network.

The settlement processing device 30 is a device that settles the settlement amount for the product purchased by the customer. The payment processing device 30 receives payment request information from the communication terminal 100 via the second base station device 20 and settles the payment amount. The settlement processing device 30 is a device that settles the settlement amount according to the payment method that the customer can pay using the communication terminal 100 .

The payment processing device 30 is a server or the like. The payment processing device 30 is, for example, a server or the like operated by a business operator that provides payment services such as credit cards and electronic money. The payment method supported by the payment processing device 30 is, for example, a payment service that performs postpaid payment processing by operating the payment processing device 30 by a business operator that owns the payment processing device 30 .

Communication terminal 100 is a terminal used by a customer. The communication terminal 100 is installed with, for example, an application for customers to pay for products purchased at a store or the like. In addition, the communication terminal 100 stores settings and the like for paying the price. Further, the communication terminal 100 stores information for communicating with the terminal device 10 via the first mobile radio wave, information for communicating with the payment processing device 30 via the second mobile radio wave, and the like.

In this embodiment, the terminal device 10 identifies the payment amount for the product purchased by the customer ((1) in FIG. 1). For example, a customer brings one or more items in front of the terminal device 10 to purchase one or more items. A store clerk, who is a store clerk, operates the terminal device 10 to read the bar code of the product, and the terminal device 10 specifies the total price of the read product as the payment amount.

Then, the first base station device 12 transmits the first mobile radio wave to a predetermined area based on the input of the operation input indicating communication with the communication terminal 100 by the store clerk ((2) in FIG. 1). ). The communication terminal 100 receives payment information including the payment amount from the terminal device 10 via communication using the first mobile radio wave ((3) in FIG. 1). Then, the communication terminal 100 transmits the user identification information for identifying the customer and the received payment information as payment request information to the payment processing apparatus 30 via communication using the second mobile radio wave (Fig. 1 (4)). The payment processing device 30 performs the corresponding payment processing based on the received payment request information ((5) in FIG. 1).

As described above, according to the payment system S according to the present embodiment, the customer can purchase You can proceed with the payment process for the product. In other words, if the communication terminal 100 has installed or executed an application, for example, if the payment system S is used in a vending machine or the like, the customer can access the information from the store clerk or the user without operating the communication terminal 100. By instructing the terminal device 10 to purchase the product, even the payment for the product can be completed more easily.

Further, when the payment system S is used in a ticket gate or the like, the user who owns the communication terminal 100 passes through the area where the first mobile radio wave is transmitted around the ticket gate, which is the terminal device 10, so that, for example, , the settlement of the initial fare can be completed more easily. Similarly, when the payment system S is used in a store or the like, the customer brings the product he/she wants to purchase to the terminal device 10 without operating the communication terminal 100, or asks a store clerk near the terminal device 10. By instructing the purchase of the product, even the settlement of the product can be completed more easily. The communication terminal 100 of such a settlement system S will be described below.

<Configuration example of communication terminal 100>
FIG. 2 shows a configuration example of the communication terminal 100 according to this embodiment. The communication terminal 100 is a portable terminal such as a tablet, smart phone, or small PC. Communication terminal 100 includes communication unit 110 , storage unit 120 , display unit 130 , and control unit 140 .

The communication unit 110 receives the first mobile radio wave transmitted to a predetermined area from the first base station device 12 provided in the terminal device 10 and communicates with the terminal device 10 . Also, the communication unit 110 communicates with the payment processing device 30 via the second mobile radio wave transmitted by the second base station device 20 . The communication unit 110 is an interface for connecting communication using the first mobile radio wave and communication using the second mobile radio wave.

The storage unit 120 is a storage medium including ROM (Read Only Memory), RAM (Random Access Memory), and the like. The storage unit 120 may also include a large-capacity storage device such as a HDD (Hard Disk Drive) and/or an SSD (Solid State Drive). For example, when a processor such as a CPU (Central Processing Unit) functions as the control unit 140, it may store information such as an OS (Operating System), applications, and programs that make the CPU function. The storage unit 120 may store various information including a database that is referenced during program execution. The storage unit 120 has, for example, a SIM (Subscriber Identity Module) card for storing wireless communication subscriber information and the like.

Storage unit 120 may also store intermediate data generated (or used) by communication terminal 100 in the process of operation, calculation results, thresholds, reference values, parameters, and the like. The storage unit 120 stores, for example, user identification information for identifying a customer who is the user of the communication terminal 100, authentication information for the terminal device 10 to authenticate the communication terminal 100, and the first mobile radio wave. It stores SIM information including communication authentication information for communication, SIM information including communication authentication information for communication using the second mobile radio wave, setting information for payment methods used by customers to purchase products, and the like. Storage unit 120 may supply the stored data to the request source in response to a request from each unit in communication terminal 100 .

The display unit 130 is a display device that displays information input by the customer, operation status of the communication terminal 100, operation and operation result of the communication terminal 100, and the like. The display unit 130 may operate as an input device for inputting instructions from the customer.

Control unit 140 controls each unit in communication terminal 100 . For example, the control unit 140 controls the communication unit 110 to communicate with the terminal device 10 via the first mobile radio wave. Also, the control unit 140 controls the communication unit 110 to communicate with the payment processing apparatus 30 via the second mobile radio wave. Control unit 140 may control display unit 130 to display on display unit 130 a display corresponding to the operation in communication terminal 100 .

The control unit 140 is a processor such as a CPU. The control unit 140 has an acquisition unit 141 , a communication control unit 142 and a notification unit 143 . In other words, the CPU functions as the control unit 140 having the acquisition unit 141 , the communication control unit 142 and the notification unit 143 by executing the programs stored in the storage unit 120 .

The acquisition unit 141 acquires payment information including the payment amount specified by the terminal device 10 via the first mobile radio wave. In addition, the acquisition unit 141 may further acquire store identification information for identifying a store or store operator corresponding to the terminal device 10 via the first mobile radio wave. The acquisition unit 141 may acquire information or the like input by the customer to the display unit 130 .

Communication control unit 142 controls communication unit 110 . For example, the communication control unit 142 causes the communication unit 110 to transmit payment request information requesting payment of the payment amount to the payment processing apparatus 30 . Here, the payment request information is information including the payment information acquired by the acquisition unit 141 and the user identification information stored in the storage unit 120 . Also, the payment request information may further include store identification information. Operations of the communication control unit 142 will be described later.

The notification unit 143 notifies the customer that the payment request information has been sent to the payment processing apparatus 30 in response to the communication control unit 142 sending the payment request information to the payment processing apparatus 30 . The notification unit 143 notifies transmission of the payment request information by, for example, generating a predetermined sound. The notification unit 143 may cause the display unit 130 to display a display, a mark, text, or the like indicating that the payment request information has been sent to the payment processing apparatus 30 . In addition, the notification unit 143 may notify the transmission of the payment request information by using light emission of an LED, a vibration function of the terminal device 10, or the like.

<Example of operation flow of payment system S>
Next, the operation of the payment system S using the communication terminal 100 described above will be described. FIG. 3 shows an example of the operation flow of the payment system S according to this embodiment. The payment system S executes the operation flow shown in FIG. 3 to process the payment for the product purchased by the customer. In FIG. 3, it is assumed that the customer has a communication terminal 100 on which an application corresponding to the payment system S is installed or executed. The customer only has to have the communication terminal 100, and may keep the communication terminal 100 in his/her pocket, bag, or the like.

First, the terminal device 10 identifies the payment amount for the product purchased by the customer (S61). For example, the terminal device 10 specifies the total price of the read product as the payment amount when the store clerk reads the bar code, QR code, or the like of the product. Also, the terminal device 10 may specify the payment amount by reading information such as an IC tag or an RF tag attached to the product. The terminal device 10 may specify the payment amount in response to the payment information being input to the reception unit 11 by the store clerk.

Next, the first base station device 12 of the terminal device 10 transmits a first mobile radio wave to a predetermined area (S62). For example, the first base station device 12 transmits a first mobile radio wave to a predetermined area in response to an operation input indicating communication with the communication terminal 100 from a store clerk by the reception unit 11 of the terminal device 10. do.

Alternatively, the first base station device 12 may transmit the first mobile radio wave to a predetermined area in response to the terminal device 10 identifying the payment amount. As described above, the communication unit 110 of the communication terminal 100 receives the first mobile radio wave and communicates with the terminal device 10 . Note that the communication control unit 142 may communicate with the terminal device 10 using SIM information including communication authentication information for communication using the first mobile radio wave.

It is desirable that the first base station device 12 stop transmitting the first mobile radio wave when a predetermined time has passed since the transmission of the first mobile radio wave. As a result, it is possible to prevent malfunction in which the terminal device 10 communicates with a terminal different from the communication terminal 100 . Here, for example, when the terminal device 10 cannot communicate with the communication terminal 100 while the first base station device 12 is transmitting the first mobile radio wave, the terminal device 10 waits for an operation input from the clerk.

In this case, the reception unit 11 of the terminal device 10 receives an operation input indicating communication with the communication terminal 100, an operation input for payment processing by the terminal device 10, or the like. When the receiving unit 11 receives an operation input indicating communication with the communication terminal 100, the process may return to S62. On the other hand, when the accepting unit 11 accepts an operation input for payment processing by the terminal device 10, the operation flow shown in FIG. The settlement processing by the terminal device 10 may be a conventional settlement processing by a POS register or the like, and detailed description thereof is omitted here.

Next, the terminal device 10 transmits request information requesting transmission of authentication information for authenticating the communication terminal 100 to the communication terminal 100 via the first mobile radio wave (S63). In response to the communication unit 110 receiving the request information via the first mobile radio wave, the communication control unit 142 of the communication terminal 100 authenticates the terminal device 10 from the communication unit 110 via the first mobile radio wave. Information is transmitted (S64).

The authentication information includes at least one of setting information of an application corresponding to the payment method handled by the payment processing apparatus 30 and setting information set in the communication terminal 100 to cause the payment processing apparatus 30 to make a payment. . The authentication information includes, for example, installation or execution of an application compatible with the payment system S, application authentication information for using the application compatible with the payment system S, and setting to use the payment function of the payment system S. and communication authentication information for communicating using the first mobile radio wave.

The application authentication information is information corresponding to the customer's bank account, electronic money, credit card, etc. for settlement processing by the settlement processing apparatus 30 . Note that the application authentication information may be the same information as the user identification information (common authentication information).

Here, it is desirable that the communication control unit 142 causes the terminal device 10 to transmit the authentication information without accepting the customer's operation after the communication unit 110 receives the first mobile radio wave. For example, the storage unit 120 stores setting information indicating that the authentication information should be transmitted without accepting the customer's operation when the communication unit 110 receives the request information. Then, the communication control unit 142 transmits the authentication information to the terminal device 10 without accepting the customer's operation in response to the setting information being stored in the storage unit 120 . Accordingly, the customer can authenticate the communication terminal 100 by transmitting the authentication information to the terminal device 10 without operating the communication terminal 100 .

The terminal device 10 authenticates the communication terminal 100 using the received authentication information (S65). When the communication terminal 100 cannot be authenticated (S65: No), the terminal device 10 may end the operation flow shown in FIG. You may receive the input of a settlement process. When the communication terminal 100 is authenticated (S65: Yes), the terminal device 10 transmits payment information including the payment amount specified by the terminal device 10 to the communication terminal 100 (S66). In this way, the communication unit 110 receives payment information after the terminal device 10 authenticates the authentication information.

Next, in response to the acquisition unit 141 acquiring the payment information, the communication control unit 142 causes the communication unit 110 to transmit the acquired payment information and the user identification information to the payment processing apparatus 30 as payment request information (S67 ). The communication control unit 142 may further include shop identification information for identifying the shop or shop operator in the payment request information and transmit the payment request information to the payment processing apparatus. Here, the communication control unit 142 causes the communication unit 110 to transmit payment request information via the second mobile radio wave transmitted by the second base station device 20 .

The communication control unit 142 may transmit the payment request information to the payment processing apparatus 30 using SIM information including communication authentication information for communication using the second mobile radio wave. Here, the distance from the payment processing device 30 to the communication terminal 100 is greater than the distance from the terminal device 10 to the communication terminal 100 . Therefore, the payment system S can easily cause the communication terminal 100 and the payment processing device 30 to communicate with each other at low cost, for example, by using communication through a mobile phone network or the like.

Here, after the acquisition unit 141 acquires the payment information, the communication control unit 142 preferably transmits the payment request information to the payment processing apparatus 30 without accepting the customer's operation. For example, the storage unit 120 stores setting information indicating that the communication unit 110 transmits payment request information to the payment processing apparatus 30 without accepting customer's operation. Then, in response to such setting information being stored in the storage unit 120, the communication control unit 142 transmits the payment request information to the payment processing device 30 without accepting the customer's operation. As a result, the customer can settle the payment amount with the payment processing device 30 without operating the communication terminal 100 .

Next, the notification unit 143 notifies the customer that the payment request information has been sent to the payment processing device 30 (S68). The notification unit 143 notifies transmission of payment request information by means of sound, vibration, LED light emission, character or image display, or the like. This allows the customer to recognize that the payment request information has been sent without operating the communication terminal 100 .

Next, the payment processing apparatus 30 settles the payment amount indicated by the payment request information based on the payment request information received from the communication terminal 100 (S69). The payment processing device 30, for example, performs a process of billing the customer's bank account or the like for the total amount of payment amounts stored during a predetermined period. For example, the payment processing apparatus 30 associates the customer's user identification information with the bank account, electronic money, credit card, etc. used by the customer and stores them in advance in the storage unit or the like. Moreover, the payment processing apparatus 30 may store the user identification information and the application authentication information in advance in the storage unit or the like in association with each other.

Then, when the payment processing device 30 receives the payment request information from the terminal device 10, the payment processing device 30 performs processing for withdrawing the payment amount from the bank account (electronic money) corresponding to the user identification information, or To process the payment by credit card. If there is a separate billing server or the like that executes the billing process, the payment processing apparatus 30 may transmit the billing amount information to the billing server or the like.

Moreover, the payment processing device 30 may store store identification information in advance in a storage unit or the like. In this case, for example, when payment request information is received from the terminal device 10, the payment processing apparatus 30 determines whether the shop identification information included in the payment request information matches the shop identification information stored in the storage unit. It is determined whether or not, and if they match, the above-described settlement processing is executed. Thereby, the payment system S can use the shop identification information as information for registering as a member shop to which the payment system S can be applied.

Next, when the payment processing device 30 executes the payment processing corresponding to the payment request information, the payment processing device 30 transmits a payment completion notification indicating that the payment is completed to the communication terminal 100 via the second mobile radio wave (S70). . Thereby, the communication unit 110 of the communication terminal 100 receives the payment completion notice from the payment processing device 30 . Note that the notification unit 143 may notify the customer that the payment has been completed in response to the acquisition unit 141 acquiring the payment completion notification.

As described above, the payment system S according to the present embodiment can perform payment processing for products purchased by a customer using the communication terminal 100 possessed by the customer. If the customer has installed or executed an application on the communication terminal 100, the customer can purchase the product without operating the communication terminal 100. - 特許庁As described above, by carrying the communication terminal 100 and using the payment system S, the customer can easily pay for the product without performing complicated operations.

In the settlement system S according to the present embodiment described above, the first base station device 12 receives the first mobile radio wave in a predetermined area based on the input of an operation input indicating communication with the communication terminal 100 by the clerk. has been described, but the present invention is not limited to this. For example, the first base station device 12 continuously transmits the first mobile radio wave to a predetermined area. In this case, communication terminal 100 becomes communicable with terminal device 10 when it enters a predetermined area.

Then, the terminal device 10 may transmit an authentication information acquisition request (request information) to the communication terminal 100 in response to the acceptance unit 11 accepting an operation input for acquiring the user identification information by the store clerk. . Thereby, the terminal device 10 can smoothly acquire the authentication information from the communication terminal 100 as described above.

In the settlement system S according to the present embodiment described above, an example in which the settlement system S is applied to a store and a customer purchases a product using the communication terminal 100 has been described, but the present invention is not limited to this. The payment system S may be applied to places such as ticket gates, automatic vending machines, reception desks, etc. where payments for goods or services are received. In this case, the configuration, operation, etc. of the terminal device 10 may be changed as appropriate according to the system to which it is applied.

For example, when the settlement system S is applied to a ticket gate, it is preferable that the number of inputs by the user (station staff, etc.) of the terminal device 10 is small. Therefore, the first base station device 12 continuously transmits the first mobile radio wave to a predetermined area. The reception unit 11 also receives, for example, a detection result indicating that the user (customer) of the communication terminal 100 has started to pass through the ticket gate from a sensor provided in the ticket gate. Then, the terminal device 10 may transmit an authentication information acquisition request (request information) to the communication terminal 100 in response to the receiving unit 11 receiving the customer detection result. Thereby, the terminal device 10 can function as an automatic ticket gate.

Further, when the settlement system S is applied to a vending machine, the user (customer) of the communication terminal 100 inputs an operation of selecting a product to purchase to the vending machine. In this case, the reception unit 11 receives an operation of selecting a product, an operation of purchasing a product, etc. by the customer. Then, the first base station device 12 may transmit the first mobile radio wave to a predetermined area in response to the reception unit 11 receiving an operation input indicating purchase of a product by the customer. Instead of this, the first base station device 12 continuously transmits the first mobile radio wave to the predetermined area, and the terminal device 10 receives the operation input indicating the purchase of the product by the customer through the reception unit 11. The request information may be transmitted to the communication terminal 100 as appropriate. Thereby, the terminal device 10 can function as a vending machine.

The present invention makes it possible to contribute to Goal 9 of the Sustainable Development Goals (SDGs) led by the United Nations, "Industry and technological innovation."

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the scope described in the above embodiments, and various modifications and changes are possible within the scope of the gist thereof. be. For example, all or part of the device can be functionally or physically distributed and integrated in arbitrary units. In addition, new embodiments resulting from arbitrary combinations of multiple embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

10 terminal device 11 reception unit 12 first base station device 20 second base station device 30 payment processing device 100 communication terminal 110 communication unit 120 storage unit 130 display unit 140 control unit 141 acquisition unit 142 communication control unit 143 notification unit

Claims (14)

A communication terminal used by a user,
a communication unit that receives and communicates with a first mobile radio wave transmitted to a predetermined area from a first base station device provided in a terminal device that specifies a payment amount for a product or service;
an acquisition unit that acquires payment information including the payment amount specified by the terminal device via the first mobile radio wave;
A settlement processing device for settling the settlement amount from the communication unit using the settlement information acquired by the acquisition unit and the user identification information for identifying the user as settlement request information requesting settlement of the settlement amount. and a communication control unit that transmits to
The communication control unit controls, in an area wider than the predetermined area in which the first base station apparatus transmits the first mobile radio wave, the second base station apparatus different from the first base station apparatus to transmit the transmitting the payment request information from the communication unit to the payment processing device via a second mobile radio wave different from the first mobile radio wave;
communication terminal. The communication terminal according to claim 1, wherein the communication control unit transmits the payment request information to the payment processing device without receiving an operation by the user after the acquisition unit acquires the payment information. The terminal device further comprises a storage unit for storing authentication information for use in authentication of the communication terminal,
The communication control unit causes the communication unit to transmit the authentication information to the terminal device based on the reception of the first mobile radio wave by the communication unit;
The communication unit receives the payment information after the terminal device authenticates the authentication information.
The communication terminal according to claim 1 or 2. The authentication information includes at least one of setting information of an application corresponding to a payment method handled by the payment processing device and setting information set in the communication terminal to allow the payment processing device to make a payment. 4. The communication terminal according to claim 3. 5. The communication according to claim 3, wherein the communication control unit causes the terminal device to transmit the authentication information without accepting the user's operation after the communication unit receives the first mobile radio wave. terminal. The communication terminal according to any one of claims 1 to 5, wherein the communication unit receives a payment completion notification indicating that payment has been completed from the payment processing device. 7. The method of claim 1, wherein the communication control unit transmits the payment request information to the payment processing device using SIM information including communication authentication information for communication using the second mobile radio wave. A communication terminal according to any one of the paragraphs . The acquisition unit further acquires store identification information for identifying a store or store operator corresponding to the terminal device via the first mobile radio wave,
The communication terminal according to any one of claims 1 to 7 , wherein the communication control unit transmits the payment request information including the shop identification information to the payment processing device. 2. A notification unit for notifying said user that said payment request information has been transmitted to said payment processing apparatus in response to said communication control unit transmitting said payment request information to said payment processing apparatus. 9. The communication terminal according to any one of 8 . The communication terminal according to any one of claims 1 to 9 ;
the terminal device, which includes the first base station device that transmits the first mobile radio wave to the predetermined area and communicates with the communication terminal, and specifies the payment amount for a product or service;
receiving the payment request information from the communication terminal via the second mobile radio wave different from the first mobile radio wave transmitted by the second base station device different from the first base station device; and the payment processing device that settles a payment amount. The terminal device includes a reception unit that receives an operation input indicating communication with the communication terminal input by a terminal device user who operates the terminal device,
The first base station device transmits the first mobile radio wave to the predetermined area in response to the receiving unit receiving the operation input.
The settlement system according to claim 10 . The payment system according to claim 10 or 11 , wherein said first base station device includes a femtocell. A computer-executed settlement method for settlement using a user's communication terminal,
a step of receiving and communicating with a first mobile radio wave transmitted to a predetermined area from a first base station device provided in a terminal device that specifies a payment amount for a product or service;
a step of acquiring payment information indicating the payment amount specified by the terminal device;
Settlement processing for settling the settlement amount by using the settlement information and the user identification information for identifying the user as settlement request information for requesting settlement of the settlement amount in response to the acquisition of the settlement information. and sending to the device ,
In the step of transmitting to the payment processing device, a second base station device different from the first base station device in an area wider than the predetermined area in which the first base station device transmits the first mobile radio wave transmitting the payment request information to the payment processing device via a second mobile radio wave different from the first mobile radio wave transmitted by
Payment Method. A program that, when executed by a computer installed in a mobile terminal, causes the mobile terminal to function as the communication terminal according to any one of claims 1 to 9 .

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