JPWO2013057812A1 - Payment system, billing device, billed device, payment device, payment device selection proxy device - Google Patents

Abstract

Provide a new payment system that is different from conventional ones. A billing device that generates billing information including a billing number that identifies a bill, amount information indicating a billing amount, and a biller ID that identifies the biller, and obtains billing information generated by the billing device A billed device that transmits information and a billed person ID that identifies the billed person, a billing information transmitted from the billed device, and a billed person ID, and a biller ID included in the billing information And based on the amount information included in the billing information from the billee account specified by the billee ID to the biller account specified by the claimant ID based on the billee ID And a payment device that executes a process for making a payment and transmits a charge number included in the charge information to the charge device.

Description

  The present invention relates to settlement.

  Conventionally, the mobile phone terminal receives the settled fare, and transmits the fare, its own identification number, and the payment method to the payment device via the mobile phone unit, so that the payment device responds to the transmitted data. There has been proposed a fare settlement system using a mobile phone characterized by performing a fare settlement process (see Patent Document 1).

JP 2000-20767 A

  However, in the above-mentioned conventional settlement system, the service usage history and the purchase history of the product are omitted from the service provider such as the railway operator and the product seller, and the user can use the service usage history and the purchase of the product. There was a problem that the history and the like could not be kept secret from service providers and product sellers.

  Therefore, an object of the present invention is to provide a new settlement system, billing apparatus, billed apparatus, settlement apparatus, and settlement apparatus selection proxy apparatus that are different from conventional ones.

  According to the present invention, the above problem is solved by the following means.

  The present invention acquires a billing device that generates billing information that includes a billing number that identifies a bill, amount information indicating the amount of money, and a biller ID that identifies the biller, and billing information generated by the billing device, The billed device for transmitting the obtained billing information and the billed user ID for identifying the billed user, the billing information transmitted from the billed device and the billed ID are received, and included in the billing information The amount included in the billing information from the billee's account specified by the billee ID to the biller's account identified by the biller ID based on the biller ID and the billee ID A payment system comprising: a payment device that executes a process for making payment based on information and transmits a charge number included in the charge information to the charge device.

  Further, the present invention is the above settlement system, wherein the billed device performs short-range wireless communication with the billing device when acquiring the billing information.

  Further, the present invention is the above settlement system, wherein the settlement device receives the billing information and the demandee ID via a settlement device selection proxy device.

  Further, the present invention is the above settlement system, wherein the settlement apparatus transmits the claim number to the billing apparatus via the requested apparatus.

  In addition, the present invention receives billing information including a billing number for identifying a bill, amount information indicating the amount of money, and a biller ID for identifying the biller, and a requestee ID from the billed device that acquired the billing information. , Based on the claimant ID included in the claim information and the claimee ID, from the account of the claimant specified by the claimant ID to the account of the claimant specified by the claimant ID A process for performing payment based on the amount information included in the billing information is executed, connected to a settlement apparatus that transmits the billing number included in the billing information via a network, the billing information is generated, and the billing A billing device, wherein a number is received from the settlement device.

  Further, the present invention is the above billing device, wherein the billed device performs short-range wireless communication with the billed device when acquiring the billing information.

  Further, the present invention is the above billing device, wherein the bill number is received from the settlement device via the billed device.

  Further, the present invention provides billing information generated by a billing device including a billing number for identifying a bill, amount information indicating the amount of money, and a biller ID for identifying the claimant, and a requestee ID for identifying the requestee. The claimant's account specified by the claimant ID from the accountee's account specified by the claimant ID based on the claimant ID and the claimee ID contained in the claim information A process for performing a payment based on the amount information included in the billing information, and connected via a network to a settlement device that transmits a billing number included in the billing information to the billing device; And transmitting the acquired billing information and the demandee ID to the settlement apparatus.

  Further, the present invention is the above-mentioned requested apparatus, characterized in that short-range wireless communication is performed with the charging apparatus when the charging information is acquired.

  Further, the present invention is the above-mentioned claimed device, characterized in that the acquired billing information and the demandee ID are transmitted to the settlement device via a settlement device selection proxy device.

  Further, the present invention is the above-mentioned claimed device, characterized in that the billing number is received from the settlement device and transmitted to the billing device.

  Further, the present invention acquires a billing device that generates billing information including a billing number for identifying a bill, amount information indicating the amount of money, and a biller ID for identifying a biller, and billing information generated by the billing device The billing information transmitted from the billed device and the billed ID are connected to the billed device that transmits the acquired billing information and the billed ID that identifies the billed user. The claimant identified by the claimant ID from the accountee of the claimant identified by the claimee ID based on the claimant ID and the claimee ID included in the claim information The payment apparatus is configured to execute a process for making a payment based on the amount information included in the billing information to the account of the user and to transmit the billing number included in the billing information to the billing apparatus.

  Further, the present invention is the above-described settlement apparatus characterized in that the billing information and the demandee ID are received via a settlement apparatus selection proxy device.

  Further, the present invention is the above-described settlement apparatus, wherein the billing number is transmitted to the billing apparatus via the billed apparatus.

Further, the present invention is connected to the demandee device and a plurality of settlement devices via a network,
Billing information generated by a billing device including a billing number for identifying the bill, amount information indicating the amount of money, and a biller ID for identifying the biller, and a billed ID for identifying the person to be billed. A payment device is selected from the plurality of payment devices according to the received billing information, and the received billing information and the demandee ID are transmitted to the selected payment device. Is a settlement device selection proxy device.

  According to the present invention, it is possible to provide a new settlement system, billing apparatus, billed apparatus, settlement apparatus, and settlement apparatus selection proxy apparatus that are different from conventional ones.

It is a figure which shows schematic structure of the payment system which concerns on embodiment of this invention. It is a figure explaining the operation example of the payment system which concerns on embodiment of this invention.

  EMBODIMENT OF THE INVENTION Below, the form for implementing this invention is demonstrated, referring attached drawing.

[Schematic configuration of payment system]
FIG. 1 is a diagram showing a schematic configuration of a settlement system according to an embodiment of the present invention.

  As shown in FIG. 1, the settlement system according to the embodiment of the present invention is a computer system that includes a billing apparatus 1, a billed apparatus 2, and a settlement apparatus 3. In the settlement system according to the embodiment of the present invention, the billing device 1 charges the billed device 2, and the billing device 2 instructs the settlement device 3 to settle the bill, and the settlement processing based on this instruction. Is executed by the settlement apparatus 3, and the completion of the settlement is notified from the settlement apparatus 3 to the billing apparatus 1. The requested device 2 is connected to the network 4 via the radio base station 5.

(Billing device 1)
The billing device 1 is a device that generates billing information. The billing device 1 includes, for example, a portable terminal such as a mobile phone or a smartphone, a fixed terminal such as a personal computer or a POS (Point of sale) device. The billing apparatus 1 may be fixed to a restaurant or a supermarket, or may be carried by an individual.

  The billing information includes a billing number for identifying the bill, amount information indicating the amount, and a biller ID for identifying the biller. It should be noted that food and beverage charges at restaurants and merchandise purchase prices at supermarkets are examples of the amount indicated by the amount information, and charges for these prices are examples of claims specified by a billing number. It is an example of the claimant specified by person ID.

(Requested device 2)
The billed device 2 is a device that acquires the billing information generated by the billing device 1 and transmits the acquired billing information and a billed person ID that identifies the billed person to the settlement device 3. The billed apparatus 2 is configured by a mobile terminal such as a mobile phone or a smartphone, for example. In addition, if it demonstrates using the example mentioned above, the eating and drinking in a restaurant and the shopper of a supermarket are examples of the demandee specified by demandee ID.

(Settlement device 3)
The settlement apparatus 3 receives the billing information and the billed person ID transmitted from the billed apparatus 2, and specifies the billed person ID based on the billing person ID and the billed person ID included in the billing information. A process for making a settlement based on the amount information included in the billing information from the accountee of the billee to be billed to the biller's account specified by the biller ID, and billing the billing number included in the billing information It is a device that transmits to the device 1. The settlement apparatus 3 is constituted by a server computer, for example.

  An “account” is an account that can specify numerical values (cash, electronic money, points, etc.) that can be used for settlement. For example, an account opened in a bank or a credit card company An account can be cited as an example.

  Examples of the “process for making a payment” include, for example, a process for making an immediate payment, a process for making a subsequent payment, and a process for making a payment at a predetermined date and time. Can be mentioned. In addition, a process of paying a yen-denominated charge with a dollar-denominated account or a process of paying a dollar-denominated charge with a yen-denominated account can be cited as an example of “process for making a payment”.

(Network 4)
The network 4 connects at least the billing apparatus 1 and the billed apparatus 2 and is configured by the Internet, for example. Note that the billing device 1 and the billed device 2 do not need to be configured to be able to communicate with each other in particular, but can be configured to be able to communicate with each other by near field communication (NFC) or the Internet.

  When the billed device 2 acquires the billing information generated by the billing device 1, when performing near field communication (NFC) with the billing device 1, the billing device 1 requests the billed device. No. 2 is acquired by the specific requested apparatus 2 and is not acquired for the unspecified requested apparatus.

  Note that near field communication (NFC) may be used as a trigger, and the to-be-requested device 2 is billed by near field communication (NFC) with the billing device 1. The billing information may be acquired from the billing apparatus 1 via a network such as the Internet.

[Example of payment system operation]
FIG. 2 is a diagram for explaining an operation example of the settlement system according to the embodiment of the present invention. Hereinafter, an operation example of the payment system according to the embodiment of the present invention will be described with reference to FIG.

(Step S1)
First, the billing device 1 generates billing information including a billing number for identifying a bill, amount information indicating the amount of money, and a biller ID for identifying the biller, and the billed device 2 is generated by the billing device 1 Get billing information. Thereby, the billing apparatus 1 is billed to the billed apparatus 2.

  The billing device 1 is generated by, for example, a display on the liquid crystal screen of the billing device 1, printing on paper discharged from the billing device 1, near field communication (NFC), or the like. The requested device 2 can output information, for example, by operating a button, applying an OCR (Optical Character Reader) to an image captured by the camera, decoding an image captured by the camera according to a predetermined method, The billing information generated by the billing device 1 can be acquired, for example, by performing near field communication (NFC). In this way, only those who are in a place where payment is made (such as the vicinity of the billing apparatus 1) can obtain the billing information.

(Step S2)
Next, the billed device 2 transmits the acquired billing information and the billed user ID that identifies the billed person to the settlement device 3, and the settlement device 3 receives the billing information and the billed information transmitted from the billed device 2. The requester ID is received. As a result, settlement according to the billing from the billing apparatus 1 is instructed from the billed apparatus 2 to the settlement apparatus 3.

(Step S3)
Next, the billing device 3 is identified by the claimant ID from the account of the demandee identified by the demandee ID based on the demander ID and the demandee ID included in the billing information. A process for performing settlement based on the amount information included in the billing information to the account of the person is executed, and the billing number included in the billing information is transmitted to the billing apparatus 1. As a result, the payment device 3 executes a payment process based on the instruction from the billed device 2 and the payment device 3 notifies the billing device 1 of the completion of the payment.

  Note that the route on the network 4 through which the settlement device 3 transmits the billing number to the billing device 1 is not particularly limited, but an example of this route is a route through the billed device 2. Can do.

  In this case, the settlement apparatus 3 transmits a billing number to the billing apparatus 1 via the billed apparatus 2. That is, the billed device 2 receives the billing number from the settlement device 3 and transmits it to the billing device 1, and the billing device 1 receives the billing number from the settlement device 3 via the billed device 2.

  In this way, even if the billing apparatus 1 is not connected to the network 4, it is possible to notify the billing apparatus 1 of the completion of the settlement from the settlement apparatus 3.

  In the embodiment of the present invention, after the billing device 1 receives the billing number from the settlement device 3, the receipt information corresponding to the bill specified by the billing number is generated, and the receipt information generated by the billed device 2 is generated. Can be acquired from the billing apparatus 1 by button operation, camera shooting, near field communication (NFC), or the like. In this way, the billing device 1 can notify the billed device 2 of the receipt of the amount (such as a food / drink price or a product purchase price).

  Further, in the embodiment of the present invention, the payment apparatus 3 transmits to the requested apparatus 2 information on the payment processing executed based on an instruction from the requested apparatus 2 periodically (for example, at the end of every month). It can also be configured to. In this way, the requested person who is the user of the requested apparatus 2 can periodically check the information of the payment process.

  In the embodiment of the present invention, the billing device 1, the billed device 2, the settlement device 3, and data transmitted and received between these devices can be authenticated using a certificate authority. In this way, for example, it is possible to prevent fictitious billing information generated by a fake billing device from being erroneously settled by the settlement device 3.

  Furthermore, in the embodiment of the present invention, the case where there is one settlement apparatus has been described, but a plurality of settlement apparatuses may be installed. In this case, for example, the billed apparatus 2 can select and process which settlement apparatus executes the settlement process.

  Further, for example, a settlement apparatus selection proxy device (not shown) can be provided in the settlement system according to the embodiment of the present invention.

  In this case, the billed device 2 transmits the acquired billing information and the billed person ID to the payment device 3 via a payment device selection proxy device (not shown).

  A settlement device selection proxy device (not shown) is connected to the billee device and a plurality of settlement devices via the network, and indicates a bill number and amount for identifying the bill from the billee device 2. The billing information generated by the billing device 1 including the information and the biller ID that identifies the biller and the billee ID that identifies the billee are received, and the amount information and settlement contents included in the received billing information ( Depending on whether the payment is for food / drink, payment for daily goods, payment for branded goods, etc.), an appropriate payment device is selected from a plurality of payment devices, and the selected payment device is selected. The received billing information and the demandee ID are transmitted.

  The selected settlement apparatus receives the billing information and the demandee ID transmitted from the billed apparatus 2 via the settlement apparatus selection proxy device.

  In this way, the demandee who is the user of the demanded apparatus 2 can leave his / her asset management to the settlement apparatus selection proxy apparatus, and record which settlement apparatus performed the settlement process. Can be used instead of books.

  According to the embodiment of the present invention described above, according to the embodiment of the present invention, a new settlement system different from the conventional one can be provided.

  Further, according to the embodiment of the present invention, the billing device 1 is billed to the billed device 2, and settlement according to the billing is instructed from the billed device 2 to the settlement device 3, and the settlement processing based on this instruction. Is executed by the settlement apparatus 3, and the completion of the settlement is notified from the settlement apparatus 3 to the billing apparatus 1.

  Therefore, according to the embodiment of the present invention, it is possible to keep the service use history, the purchase history of the product, and the like secret from the service provider, the product seller, and the like, as in the case of settlement with cash.

  Next, as Example 1 of the present invention, an example in which the settlement system according to the embodiment of the present invention is used when a shopper settles a product at a cash register installed in a supermarket will be described.

  In the first embodiment of the present invention, a billing is made from the cash register installed in the supermarket to the shopper's mobile phone, and settlement according to this billing is instructed from the shopper's cellular phone to the settlement apparatus, and settlement based on this instruction is made. The processing is executed by the payment apparatus, and the completion of the payment is notified from the payment apparatus to the cash register installed in the supermarket.

  Therefore, according to the first embodiment of the present invention, the shopper does not provide his / her own personal information to the supermarket at the time of settlement, and the supermarket is informed that he / she purchased the product for which the settlement has been made. Since it is not left, the purchase history of the merchandise can be kept secret from the supermarket, as in the case of settlement with cash.

[Comparative Example 1]
Next, as Comparative Example 1, an example in which a conventional payment system using a credit card is used when a shopper pays for a product at a cash register installed in a supermarket will be described.

  In Comparative Example 1, the shopper's personal information is provided from the mobile phone with a credit card function to the cash register installed in the supermarket, and the credit card company's payment device is checked from the cash register installed in the supermarket. If there is credit, the payment processing based on the request from the cash register installed in the supermarket is executed by the payment device of the credit card company, and the payment completion is notified from the payment device to the cash register installed in the supermarket. The

  Therefore, according to Comparative Example 1, the shopper must always provide his / her personal information to the supermarket at the time of payment, and the supermarket also leaves information that he / she purchased the product for which payment was made. Therefore, it is not possible to make a payment as if it were a cash payment, and it is impossible to keep the purchase history of the product secret from the supermarket.

  As mentioned above, although embodiment and the Example of this invention were described, these description is related to an example of this invention, and this invention is not limited at all by these description.

DESCRIPTION OF SYMBOLS 1 Billing device 2 Billed device 3 Payment device 4 Network 5 Wireless base station

Claims (15)

A billing device for generating billing information including a billing number identifying billing, amount information indicating the amount, and a biller ID identifying the biller;
A billed device that acquires billing information generated by the billing device and transmits the obtained billing information and a billed person ID that identifies the billed person;
The billing information and the billed person ID transmitted from the billed device are received, and based on the billing person ID and the billed person ID included in the billing information, the target specified by the billed person ID is received. A process for performing settlement based on the amount information included in the billing information from the biller's account to the biller's account specified by the biller ID is executed, and the bill number included in the billing information is A payment device to send to the device;
A payment system characterized by comprising:   The payment system according to claim 1, wherein the billed device performs short-range wireless communication with the billing device when acquiring the billing information.   The payment system according to claim 1 or 2, wherein the payment apparatus receives the billing information and the demandee ID via a payment apparatus selection proxy device.   The settlement system according to any one of claims 1 to 3, wherein the settlement apparatus transmits the bill number to the billing apparatus via the billed apparatus. The billing information including the billing number for identifying the bill, the amount information indicating the amount of money, and the biller ID for identifying the biller are received from the billed device that acquired the billing information and included in the billing information. The amount included in the billing information from the billee's account specified by the billee ID to the biller's account identified by the biller ID based on the biller ID and the billee ID A process for performing payment based on information is executed, and connected to a payment apparatus that transmits a billing number included in the billing information via a network,
Generating the billing information;
Receiving the billing number from the payment device;
A billing apparatus.   6. The device according to claim 5, wherein the device to be billed performs short-range wireless communication with the device to be billed when acquiring the billing information.   The billing apparatus according to claim 5 or 6, wherein the billing number is received from the settlement apparatus via the billed apparatus. Receiving the billing information generated by the billing apparatus including the billing number identifying the billing, the amount information indicating the amount of money, and the billing ID identifying the billing party, and the billed ID identifying the billed person, and the billing information Included in the claim information from the claimant's account specified by the claimee ID to the claimant's account specified by the claimant ID based on the claimant ID and the claimee ID included in Connected to a settlement apparatus that transmits a billing number included in the billing information to the billing apparatus via a network,
Obtaining the billing information;
Transmitting the acquired billing information and the demandee ID to the settlement apparatus;
Claimed device characterized by the above.   9. The device as claimed in claim 8, wherein short-distance wireless communication is performed with the billing device when the billing information is acquired.   10. The device to be claimed according to claim 8 or 9, wherein the acquired billing information and the demandee ID are transmitted to the payment device via a payment device selection proxy device.   The device to be billed according to any one of claims 8 to 10, wherein the billing number is received from the settlement device and transmitted to the billing device. A billing device for generating billing information including a billing number identifying billing, amount information indicating the amount, and a biller ID identifying the biller;
A billed device that acquires billing information generated by the billing device and transmits the obtained billing information and a billed person ID that identifies the billed person;
Connected to the network via
The billing information and the billed person ID transmitted from the billed device are received, and based on the billing person ID and the billed person ID included in the billing information, the target specified by the billed person ID is received. A process for performing settlement based on the amount information included in the billing information from the biller's account to the biller's account specified by the biller ID is executed, and the bill number included in the billing information is Send to the device,
A settlement apparatus characterized by that.   13. The settlement apparatus according to claim 12, wherein the billing information and the demandee ID are received via a settlement apparatus selection proxy device.   The settlement apparatus according to claim 12 or 13, wherein the billing number is transmitted to the billing apparatus via the billed apparatus. Connected to the requestee device and a plurality of payment devices via a network;
Billing information generated by a billing device including a billing number for identifying the bill, amount information indicating the amount of money, and a biller ID for identifying the biller, and a billed ID for identifying the person to be billed. Receive
According to the received billing information, select a payment device from the plurality of payment devices,
Transmitting the received billing information and the demandee ID to the selected settlement device;
A payment device selection proxy device.

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