TWI466041B - Payment method, payment method, information recording medium, and portable terminal - Google Patents

Description

Payment program, payment method, information recording medium, and portable terminal

The present invention relates to a payment program, a payment method, an information recording medium, and a portable terminal, and more particularly to payment in a portable terminal that can utilize a plurality of electronic settlement means.

In recent years, when a product is purchased, the user has specified any one of the plural payment methods, and the method of settlement of the product by the specified payment method has become widespread. For example, Patent Document 1 discloses a system for selecting one of credit card payment, bank transfer, cash on delivery, and the like for settlement in an electronic commerce transaction.

[Previous Technical Literature] [Patent Literature]

[Patent Document 1] Japanese Patent Laid-Open Publication No. 2009-026115

In the mobile phone, a plurality of kinds of electronic money can be set, and one type is designated, and the payment of the product is performed in a physical store such as a convenience store. In this case, the user wants to operate the operation unit (touch panel, button, etc.) of the settlement machine, specify the electronic money to be paid, or inform the store clerk of the physical store to pay the electronic money, which is prepared by the clerk. The settlement machine required for settlement of electronic money is generally common. However, it is cumbersome for the user to perform the above operations or wait for preparation each time a payment is made, and there is a need to make payment in an easy manner.

The present invention solves the above problems, and an object of the present invention is to provide a payment program, a payment method, an information recording medium, and a portable terminal that are suitable for simple payment in a portable terminal that can utilize a plurality of electronic settlement means. .

The program according to the first aspect of the present invention is characterized in that the portable computer equipped with a plurality of types of electronic settlement means and capable of communicating with the settlement device performs the following functions: the sensing unit is used The settlement device information required by the specific settlement device is sensed; the acquisition unit obtains the settlement information stored in association with the settlement device information that has been perceived in the foregoing, and the payment unit is obtained based on the pre-record The settlement means information is specified by the settlement means, and communicates with the pre-set settlement device to cause the settlement device to settle the payment; the depository department is used to specify the settlement means required for the settlement means for which the pre-determination has been determined The information is saved in association with the information of the settlement device that has been perceived as the pre-recorded device.

Further, in the program of the present invention, the pre-recorded portable computer can be configured to function as a selection unit, and when the information of the pre-recognition means is not obtained, the user who wants to make the payment is counted from the foregoing. Any one of the settlement means of the type is selected; the prepayment unit is configured to communicate with the predecessor settlement device by designating the settlement means selected in advance, so that the settlement device performs settlement of the payment.

Further, in the program of the present invention, the pre-recording selection unit may set a priority order for the settlement means of the pre-recording plural type based on the history of the settlement means selected by the user in the past, so as to select it. Either.

Further, in the program of the present invention, the pre-recording storage unit may be configured to store the pre-reporting device information and the settlement means information selected in the previous record for each of the pre-recorded users, and store the information in the predetermined server. The pre-recording acquisition unit obtains the settlement means information corresponding to the information established by the pre-recording device information from the server specified in the preceding paragraph.

Further, in the program of the present invention, when the pre-recording means information is not obtained, the pre-recording acquisition unit is obtained from the pre-recorded server, and is determined based on the history of the settlement means selected by the other user in the past. The priority information of the settlement means; the pre-record selection department is based on the priority information that has been obtained in the pre-record, and prioritizes and prompts the settlement means of the plural type of the pre-record, so that it can select either one.

Further, in the program of the present invention, the pre-recorded priority information may be determined based on the history of the user who is similar to the user who previously requested the payment among the other users.

Further, in the program of the present invention, the pre-recording unit may be configured to query the identification device of the accounting device that has been sensed by the pre-recording device, and query the server device to obtain the accounting device. The industry type ID; the pre-recording device information is the industry type ID that has been obtained in the pre-record.

Further, in the program of the present invention, the pre-recording device information may be configured to be the position information of the portable computer that has been sensed by the pre-recorded portable computer.

Further, in the program of the present invention, the pre-reporting device information may be the identification information of the accounting device that is perceived by the pre-recording device.

The payment method according to the second aspect of the present invention belongs to a portable terminal including a sensing unit, an acquisition unit, a payment unit, and a storage unit, and is equipped with a plurality of types of electronic settlement means, and can communicate with the settlement device. The payment method is characterized in that: the sensing system is configured by the pre-recording unit to sense the settlement device information required for specifying the pre-recording device; and the acquisition project is obtained by the pre-recording unit, and the acquisition and the pre-recording are perceived. The settlement device information establishes the corresponding settlement means information; and the payment operation is performed by the pre-payment department, which specifies the settlement means determined based on the information of the settlement means that has been obtained in advance, and communicates with the pre-recording device, The settlement device performs the settlement of the payment; and the preservation project is performed by the pre-recording storage unit, and the settlement means information required for specifying the settlement means for which the pre-record has been determined is saved in association with the pre-recorded settlement device information. .

In the information recording medium according to the third aspect of the present invention, a program is recorded in which a portable computer equipped with a plurality of types of electronic settlement means and capable of communicating with a settlement device performs the following functions: The sensing unit is configured to identify the settlement device information required for the predetermined settlement device, and the acquisition unit obtains the settlement information stored in association with the settlement device information that has been perceived in the foregoing, and obtains the payment information; The settlement means determined based on the information on the settlement means that has been obtained in advance, and the communication with the pre-recording device, so that the settlement device performs settlement of the payment; the preservation department is used to specify that the pre-record has been determined. The settlement means information required for the settlement means is stored in association with the information of the settlement device that has been perceived as the previous record.

The portable terminal according to the fourth aspect of the present invention is a portable terminal that is equipped with a plurality of types of electronic settlement means and can communicate with a settlement device, and is characterized in that it includes a sensing unit and is used for The settlement device information required by the specific settlement device is sensed; and the acquisition unit obtains the settlement information stored in association with the settlement device information that has been perceived in the foregoing; and the payment department is based on the pre-record The settlement means determined by the acquired settlement means information is designated, and communicates with the pre-recording means to cause the settlement means to settle the payment; and the depository unit is required to specify the settlement means for which the pre-determination has been determined The settlement means information is saved in association with the information of the settlement device that has been perceived before.

In addition, the program of the present invention can be distributed and sold through a computer communication network independently of the computer executing the program. In addition, the above information recording media can be distributed and sold independently of the computer.

According to the present invention, in a portable terminal that can utilize a plurality of electronic settlement means (for example, electronic money function, mobile credit function, etc.), a payment program, a payment method, and an information recording medium suitable for easy payment can be provided. And portable terminals.

The portable terminal 100 realized by executing the program of the embodiment of the present invention is shown in FIG. The portable terminal 100 is connected to the network 400 of the Internet or the like. Further, the server device 300 is connected to the network 400, and the portable terminal 100 can communicate with the server device 300 via the network 400. The portable terminal 100 is capable of making payments by electronic money, and is provided with a plurality of types of electronic money.

The settlement device 200 of Fig. 1 is generally installed in a physical store such as a convenience store. The settlement device 200 is configured by a reader/writer such as a readable and writable non-contact IC card, a POS (Point of Sales) device, or the like, and can perform non-contact communication with the portable terminal 100. The user can make a payment by using the electronic money set in the portable terminal 100 as long as the portable terminal 100 is brought close to the settlement device 200.

Hereinafter, a typical portable information processing device 500 that implements the portable terminal 100 according to the embodiment of the present invention will be described.

(1. Outline of portable information processing device)

As shown in FIG. 2, the portable information processing device 500 includes, for example, a CPU (Central Processing Unit) 501, a ROM (Read Only Memory) 502, a RAM (Random Access Memory) 503, a communication unit 504, a power supply unit 505, and an operation unit. 506. The sound processing unit 507, the speaker 508, the microphone 509, the display unit 510, the I/O unit 511, the external memory 512, the antenna 513, and the IC unit 514.

The CPU 501 controls the entire portable information processing device 500 in accordance with the operating system (OS) or the control program stored in the ROM 502. The CPU 501 transmits control signals and data to the above-mentioned departments through the system bus according to the needs of the control, or receives response signals or data from the respective departments.

The ROM 502 is a non-volatile memory for storing an OS or a program necessary for the overall control of the portable information processing device 500. The CPU 501 reads and executes the OS or program stored in the ROM 502 on the RAM 503.

The RAM 503 temporarily stores data, programs, and the like necessary for the CPU 501 to perform processing. Further, a part of the memory area of the RAM 503 is composed of a flash memory, and an address book used for a telephone or a mail, a call history, and setting values of various functions are stored.

The communication unit 504 modulates the audio signal converted by the A/D (Analog/Digital) converter (not shown) included in the audio processing unit 507, and is connected to the audio signal. The antenna 513 of the communication unit 504 is transmitted to the other party (reception side). Alternatively, the antenna 513 is used to receive an audio signal or the like, and the input audio signal is demodulated. The demodulated audio signal is input to the sound processing unit 507. Further, the communication unit 504 exchanges information with the wireless base station and the GPS (Global Positioning System) satellite to acquire the position information of the portable information processing device 500. For example, the communication unit 504 acquires the latitude, longitude, and altitude of the portable information processing device 500 or the location information of the wireless base station that has captured the portable information processing device 500. Even the portable information processing device 500 is also used to access data communication processing and the like required by the server device 300 and the like. The communication unit 504 can use a plurality of communication methods such as CDMA (Code Division Multiple Access), EV-DO (Evolution-Data Only), and wireless LAN.

The power supply unit 505 is a power source required to drive the portable information processing device 500.

The operation unit 506 is constituted by a pushable button, a touch panel, or the like, and accepts an operation from a user. The CPU 501 performs the predetermined processing based on the operation that has been input to the operation unit 506.

The sound processing unit 507 receives the sound of the user, and the microphone 509 connected to the sound processing unit 507, and receives the sound, and converts it into an audio signal by the A/D converter provided in the sound processing unit 507, and outputs the sound signal. . Alternatively, the sound processing unit 507 connects the call sound demodulated by the D/A (Digital/Analog) converter (not shown) included in the sound processing unit 507 to the speaker 508 connected to the sound processing unit 507. Output it. In addition to this, the sound processing unit 507 converts sound data such as ringtones memorized in the external memory 512 or the like into audio signals and outputs them.

The display unit 510 includes a display such as an LCD (Liquid Crystal Display) or an organic EL (Electroluminescence). The display unit 510 processes the image data by the CPU 501 or a video calculation processor (not shown) provided in the display unit 510, and then records the image data in an output buffer (not shown) included in the display unit 510. . The image information that has been recorded in the output buffer is converted into an image signal at a predetermined synchronization timing and output to the display. The display unit 510 displays various screens necessary for the functions of the portable information processing device 500, such as a power source state, a telephone number, an e-mail, and an already connected Internet screen, on the display.

The I/O unit 511 is connected to an external memory 512 such as a detachable flash memory card to input and output data. Further, for example, it can be connected to an external device such as the portable information processing device 500 and a personal computer by a USB (Universal Serial Bus) connection, and data can be input and output with an external device. It can also have an interface required for communication with other external devices, such as an infrared communication interface.

The IC unit 514 performs payment by electronic money by communicating with an external device such as a reader/writer. At this time, the IC unit 514 exchanges information on the payment of the electronic money, such as the payment destination of the electronic money, the payment date, the payment amount, or the identification element of the external device, with the external device. The IC unit 514 is provided with a loop antenna, a memory, or the like. When the portable information processing device 500 is brought close to the reader/writer, electric power is generated in the loop antenna, and the IC unit 514 operates by the electric power. Further, it is also possible to operate by the electric power supplied from the power supply unit 505. In the memory provided in the IC unit 514, information on the payment of the electronic money is stored.

Hereinafter, a schematic configuration of the portable terminal 100 implemented in the above-described portable information processing device 500 will be described with reference to FIGS. 1 to 8. The program described in this embodiment is executed by the power supply of the portable information processing device 500, and the portable terminal 100 according to the present embodiment is realized.

(2. Outline of portable terminal)

Fig. 3 is a view showing the configuration of the portable terminal 100 realized by executing the program of the embodiment. The portable terminal 100 includes the sensing unit 101, the acquisition unit 102, the selection unit 103, the payment unit 104, and the storage unit 105, and is configured as follows.

The sensing unit 101 senses the settlement device information required for specifying the settlement device 200. For example, the settlement device information may be: (a) location information of the portable terminal 100, (b) identification elements assigned to the settlement device 200 (hereinafter referred to as "settlement device ID"), or (c) settlement device 200. The industry type ID of the store to be set.

When the settlement device information is (a) the location information of the portable terminal 100, the sensing unit 101 senses the settlement device information as follows.

When the user approaches the portable terminal 100 to the settlement device 200, the sensing unit 101 acquires the longitude, latitude, and ‧ height of the portable terminal 100 by the GPS function. Further, the sensing unit 101 acquires information on the location of the wireless base station on which the portable terminal 100 communicates.

When the settlement device information is (b) the settlement device ID to which the settlement device 200 is assigned, the sensing unit 101 senses the settlement device information as follows.

When the user approaches the portable terminal 100 to the settlement device 200, the sensing unit 101 requests the settlement device 200 to transmit the settlement device ID, and receives the settlement device ID from the settlement device 200.

When the settlement device information is (c) the business type ID of the store in which the settlement device 200 is installed, the sensing unit 101 senses the settlement device information as follows.

The business table 300a shown in FIG. 4 is stored in the server device 300. In the business schedule 300a, "the settlement device ID" and the "business type ID" (for example, the identification name of the industry name, the business type, etc.) are registered, and the registration is established. When the user approaches the portable device 100 to the settlement device 200, the sensing unit 101 receives the settlement device ID "a1" of the settlement device 200 from the settlement device 200. The sensing unit 101 transmits the received information of the settlement device ID "a1" to the server device 300, and queries the business type ID corresponding to the settlement device ID. The server device 300 is obtained by referring to the business type table 300a corresponding to the business type ID corresponding to the settlement device ID "a1" received by the sensing unit 101. In the business type table 300a (FIG. 4), the business type ID corresponding to the settlement device ID "a1" is registered as a "convenience store", so the server device 300 transmits the information of the business type "convenience store" to the sensing unit 101. . In this way, the sensing unit 101 acquires the industry ID corresponding to the settlement device ID.

In the present embodiment, it is assumed that the settlement device information is (c) the business type ID of the store in which the settlement device 200 is installed.

In the present embodiment, the CPU 501, the communication unit 504, and the IC unit 514 cooperate to function as the sensing unit 101.

The acquisition unit 102 attempts to acquire electronic money information (an example of "settlement means information" in the present invention) that is stored in association with the settlement device information for the user who wants to make a payment. Here, the acquisition unit 102 attempts to acquire the electronic money information from the server device 300.

For example, it is assumed that the user history table 300b shown in FIG. 5 is stored in the server device 300. In the user history table 300b, the "user ID" of the user who uses the electronic money (for example, an arbitrary character string (user account name), identification information of the portable terminal 100, identification information of the IC unit 514, etc.) The "attribute" of the user, the "settlement device information" of the settlement device that the user has made the payment in the past, and the "e-money information" of the electronic money that was used when the settlement device was paid, are registered and registered. It is assumed that the user A pays the payment to the electronic terminal by the settlement device 200 installed in the convenience store close to the portable terminal 100. At this time, the sensing unit 101 acquires the business type ID "convenience store" of the settlement device 200, and sends the information of the acquired business type ID to the acquisition unit 102. The acquisition unit 102 transmits the received business type ID "convenience store" and the user ID "A" to the server device 300 to inquire about the electronic money information. The server device 300 is obtained by referring to the user history table 300b from the electronic money information corresponding to the industry ID "convenience store" and the user ID "A" received from the acquisition unit 102. In the user history table 300b, the user ID "A" and the electronic device information corresponding to the settlement device information (business type ID) "convenience store" are registered as "X", so the server device 300 is directed to the acquisition unit. 102. Send an electronic money information "X". In this way, the acquisition unit 102 acquires the electronic money information used for payment.

On the other hand, when the acquisition unit 102 cannot obtain the electronic money information, that is, the information of the user ID and the business type ID is transmitted to the server device 300, when the server device 300 does not receive the electronic money information, The acquisition unit 102 acquires the priority order information of the electronic money from the server device 300. Here, the priority order information is assumed to be that, in the industry type indicated by the industry type ID, the information that is preferentially used is higher, and the information of the electronic money is sequentially assigned. In the present embodiment, the priority order information is obtained from the user history table 300b. For example, the priority order information is determined based on the history of the user who is registered in the user history table 300b and is similar to the user who wants to make the payment. Whether the users are similar to each other can be judged according to whether the attributes of the user are the same. A specific example of obtaining the priority order information will be described below.

For example, when the user A approaches the portable terminal 100 to the settlement device 200 installed in the restaurant, the acquisition unit 102 queries the server device 300 for the electronic money information corresponding to the user ID "A" and the industry type "restaurant". . However, in the user history table 300b referred to by the server device 300, there is no history of the electronic money information of the user A corresponding to the settlement device information (industry ID) "restaurant", and therefore the acquisition unit 102 cannot obtain the history. Electronic money information. In this case, the server device 300 extracts, for example, the history of the user having the same attribute as the user A (age "20-year-old", professional "student") from the user history table 300b (for example, the user). B, etc.).

Next, the server device 300 analyzes the electronic money used in the restaurant based on the user having the same attribute as the user A. In other words, the server device 300 aggregates the electronic money information associated with the settlement device information "restaurant" for each electronic money type for the extracted history. Then, the server device 300 gives a position from the number of electronic money based on the total result of the total.

It is assumed that the server device 300 is, for example, based on a plurality of users having the same attributes as the user A, and finds that the type of electronic money that is most used in the restaurant is "Z" and the type of electronic money that is used the second most. The type of electronic money that is "X" and the third most used is "Y". The server device 300 transmits the order information (priority order information) of these electronic money to the acquisition unit 102. The priority order information is transmitted to the acquisition unit 102, for example, in the form of the priority order information table 300c shown in FIG. In the priority order information table 300c, "settlement device information (industry ID)" of the settlement device 200 to which the user A wants to make payment, "electronic money information" of the electronic money that has been used in the business class, The "priority order" of the electronic money obtained by the total of the resumes is recorded and recorded. Upon receiving the priority order information table 300c from the server device 300, the acquisition unit 102 sends the form to the selection unit 103.

In the present embodiment, the CPU 501 and the communication unit 504 cooperate to form the acquisition unit 102 and function.

The selection unit 103 allows the user to select one of a plurality of types of electronic money set in the portable terminal 100 when the acquisition unit 102 cannot obtain the electronic money information. At this time, the selection unit 103 displays the priority order information received from the acquisition unit 102 on the display provided in the display unit 510 of the portable terminal 100, and allows the user to select any type of electronic money. Then, the selection unit 103 accepts the selection of the electronic money from the user. In FIG. 7, the selection unit 103 causes the display 515 of the portable terminal 100 to display an example of priority order information. The user selects any type of electronic money by operating the button 516 or the like from the electronic money of the priority order information that has been displayed.

In the present embodiment, the CPU 501, the operation unit 506, and the display unit 510 cooperate to become the selection unit 103 and function.

The payment unit 104, when the electronic money information is obtained, specifies the electronic money specified by the electronic money information and then communicates with the settlement device 200, so that the settlement device 200 performs settlement of the payment. On the other hand, when the electronic money information is not acquired, the payment unit 104 specifies the electronic money selected by the selection unit 103 and then communicates with the settlement device 200, so that the settlement device 200 performs payment settlement.

For example, it is assumed that the business type ID of the settlement device 200 in which the user A wants to make a payment is "convenience store", and the acquisition unit 102 acquires the electronic money information "X" corresponding to the settlement device information "convenience store". At this time, the payment unit 104 performs payment using the electronic money "X", and causes the settlement device 200 to perform payment settlement. On the other hand, if the business type ID of the settlement device 200 in which the user A wants to make a payment is "restaurant", the acquisition unit 102 cannot obtain the electronic money information, and the selection unit 103 presents the priority order information to the user A (FIG. 7). ). It is assumed that once the user A selects the electronic money "Z", the payment unit 104 performs payment using the electronic money "Z", and causes the settlement device 200 to settle the payment.

In addition, the payment unit 104 causes the settlement device 200 to perform the settlement of the payment based on the electronic money information that has been acquired by the acquisition unit 102 or has been selected by the selection unit 103, and three examples are given. To illustrate. In the following example, it is assumed that the settlement device 200 is linked to the electronic money information that is likely to be settled in the settlement device 200, and is registered in a predetermined list (hereinafter referred to as "payable list"). For example, the settlement device 200 has a payable list in which electronic money information "X", "Y", and "Z" are registered. Further, in the following example, the electronic money information acquired by the acquisition unit 102 or selected by the selection unit 103 is assumed to be "Z".

In the first method, the payment unit 104 writes the electronic money information acquired by the acquisition unit 102 or selected by the selection unit 103 into a predetermined field of the payment unit 104, and the settlement device 200 specifies the time. Field to specify the electronic currency used for settlement.

First, once the user approaches the portable terminal 100 to the settlement device 200, the settlement device 200 transmits a polling command required for the system for capturing the communication target. The system is regarded as a reference unit of one card logically, and a complex system can be defined in one IC unit 514. The system of the IC unit 514 is specified by the system code. The system code is assigned for each business or purpose of use. Therefore, the system code and the like are included in the polling command. Upon receiving the polling command from the settlement device 200, the payment unit 104 transmits a response including information such as the manufacturing ID or manufacturing parameters of the system specified by the system code to the settlement device 200. In this manner, the settlement device 200 specifies the system to be communicated.

When the user approaches the portable terminal 100 to the settlement device 200, and the system is captured by the settlement device 200, once the electronic money information "Z" is acquired or selected, the payment unit 104 is written in the predetermined field of the IC portion 514. Electronic money information "Z". The field referred to herein is an area in which information necessary for specifying the electronic money for payment by the portable terminal 100 is stored, and is a predetermined area. The memory area of the IC unit 514 is divided into minimum units called "blocks". The collection of blocks is then referred to as the "service", and for each service department, the access to the data stored in the block is specified. The specified field is specified by specifying the service code and block number required for the specific service.

The settlement device 200 transmits an inquiry command to the payment unit 104 in order to obtain electronic money information of the electronic money used for settlement, and includes a service code and a block number corresponding to the specified field. The payment unit 104 transmits the electronic service information "Z" stored in the designated service code and the block number to the settlement device 200 upon receiving the inquiry command. Upon receiving the electronic money information "Z", the settlement device 200 transmits, for example, a command specifying the electronic money information "Z" and the payment amount to the payment unit 104. In this way, the settlement will be made in the electronic currency that has been acquired or selected.

In the second method, the payment unit 104 invalidates (hidden) a portion other than the memory area that has been acquired by the acquisition unit 102 or has been stored by the electronic money information selected by the selection unit 103. The electronic money that has not been invalidated in the memory area is designated as the electronic money used for settlement.

Information such as a program or balance of electronic money that can be used in the portable terminal 100 (hereinafter referred to as "electronic money related information") is stored in the IC unit 514 in accordance with the type of each electronic money. Here, it is assumed that the complex system is defined in the IC unit 514. For example, in the first system, electronic money related information of the electronic money "X" is stored. Further, for example, the second system is a common field in which electronic money related information of a plurality of types of electronic money can be stored, and electronic money related information of electronic money "Y" and "Z" is stored. It is assumed that the electronic money related information of the electronic money "Y" and "Z" stored in the same system can be specified by the service code. When the settlement device 200 attempts to settle with the electronic money "X" of the portable terminal 100, the system code of the first system is designated, and when the electronic money "Y" or "Z" is used for settlement, the second system is designated. System code and service code.

When the electronic money information is acquired by the obtaining unit 102 or the electronic money information is selected by the selecting unit 103, the payment unit 104 becomes an electronic money related information other than the electronic money specified for the electronic money information. That is, when the electronic money "Z" has been acquired or selected, it is the state in which the electronic money "X", "Y" electronic money related information) is accessed (the memory in which the electronic money related information is stored) The field is invalidated).

After the invalidation of the memory area is performed, the settlement device 200 sequentially transmits a polling command to the portable terminal 100 for each of the electronic money "X", "Y", and "Z" described in the payable list. Then, the settlement device 200 terminates the successive transmission of the polling command in response to the proper response to the polling command, and responds to the specified electronic money to settle the payment.

For example, when the payment unit 104 receives the polling command including the system code of the first system, the memory field in which the electronic money related information of the electronic money "X" is stored is invalidated, so the polling command is not Do any response. On the other hand, when the payment unit 104 receives the polling command including the system code of the second system, the memory area in which the electronic money related information of the electronic money "Y" is stored is invalidated, but the electronic money " The memory area in which the electronic money related information of Z" is stored is not invalidated, and therefore the response including the manufacturing ID of the second system or the like is transmitted to the settlement device 200.

The settlement device 200, upon receiving the response, then transmits a request command for which the service code of the electronic money "Y" or "Z" has been designated. The payment unit 104 sends a response containing the key version to the settlement device when the memory field in which the electronic money related information of the electronic money specified by the service code is stored is not invalidated. 200. On the other hand, the payment unit 104 transmits the response containing no key version to the settlement device 200 when the memory area in which the electronic money related information of the electronic money specified by the service code is stored is invalidated. . Here, the key version is a value for identifying which generation of the key to use when performing encrypted communication. That is, when the payment unit 104 receives the request command for the service code of the electronic money "Y", the payment unit 104 transmits the response without the key version to the settlement device 200. On the other hand, when the payment unit 104 receives the request command for the service code of the electronic money "Z", the payment unit 104 transmits the response containing the key version to the settlement device 200.

The settlement device 200, upon receiving the response containing the key version, transmits the command to the payment unit 104 for the payment required to settle the payment in response to the specified electronic money "Z". In this way, the settlement will be made in the electronic currency that has been acquired or selected.

In the third method, the payment unit 104 stores information on the priority of using the electronic money (hereinafter referred to as "priority registration information"), and based on the priority registration information and the payment list stored in the settlement device 200. The result of the comparison is used to specify the electronic money used in the settlement.

The priority order registration information stored in the payment unit 104 is the same as or different from the priority order information acquired by the acquisition unit 102 from the server device 300. In the present embodiment, it is assumed that they are mutually different. In the priority order registration information, the electronic money information that can be paid by the portable terminal 100 is registered in advance with a priority order. When the electronic money information is acquired by the acquisition unit 102 or the electronic money information is selected by the selection unit 103, the payment unit 104 registers the electronic money of the electronic money information as the highest priority. In addition, at this time, the priority order of the electronic currency of the second or lower digits can be changed.

Once the electronic money information is obtained or selected, the settlement device 200 transmits the information of the payable list to the payment unit 104. The payment unit 104 compares the payment possible list with the priority order registration information upon receiving the information of the payment possible list. For example, suppose that in the priority order registration information, the electronic money information "Z", "X", and "Y" are registered from the higher priority order, and the electronic money information "X" is registered in the payable list. , "Y". The payment unit 104 determines whether the electronic money information "Z" with a higher priority is included in the payable list. In this case, since the electronic money information "Z" is not included in the payable list, the payment unit 104 next judges whether or not the electronic money information "X" is included in the payable list. In this case, since the electronic money information "X" is included in the payable list, the payment unit 104 determines the electronic money for settlement of the payment as "X", and the electronic money containing the electronic money "X". The response of the information (identity of the electronic money "X") is sent to the settlement device 200. Upon receiving the response, the settlement device 200 transmits a command necessary for the payment unit 104 to settle the electronic money "X" to the payment unit 104, and causes the settlement.

In this way, by determining the electronic money to be settled, even if the electronic money that has been acquired or selected cannot be used in the settlement device 200 in which the user wants to make the payment, the settlement of the payment can be performed by other electronic money.

In the present embodiment, the CPU 501, the display unit 510, and the IC unit 514 cooperate to function as the payment unit 104.

The storage unit 105 stores the electronic money information for specifying the electronic money in association with the sensed settlement device information when the electronic money is selected by the selection unit 103. Here, the storage unit 105 stores the electronic money information in association with the settlement device information, and stores it in the server device 300.

For example, suppose that the user A approaches the portable terminal 100 to the settlement device 200 installed in the restaurant, and the priority information (FIG. 7) is presented on the display 515 provided in the display unit 510 of the portable terminal 100. Then, assume that the user A has operated the button 516 and selected the electronic money "Z". In this case, the storage unit 105 associates the settlement device information (business type ID) that has been perceived by the sensing unit 101 with the electronic money information "Z", and registers the information in the server device 300. The stored user history table 300b.

In the present embodiment, the CPU 501 functions as the storage unit 105.

(3. Action of portable terminal)

Next, the operation performed by each unit of the portable terminal 100 will be described using the flowchart of FIG. 8. When the user approaches the portable terminal 100 to the settlement device 200, the CPU 501 starts the payment processing shown in the flowchart of FIG. An example of when user A makes a payment will be described below.

The sensing unit 101 determines whether or not the information of the settlement device ID of the settlement device 200 is received (step S101). When the sensing unit 101 determines that the information of the settlement device ID has been received (step S101; Yes), the sensing unit 101 queries the server device 300 for the settlement device information (the industry type ID) corresponding to the settlement device ID (step S102). . On the other hand, when the sensing unit 101 determines that the information of the settlement device ID has not been received (step S101; No), it remains on standby.

For example, when the sensing unit 101 receives the information of the settlement device ID "a1" from the settlement device 200, the sensing unit 101 transmits the information of the settlement device ID "a1" to the server device 300, and queries the business class corresponding to the settlement device ID. ID. On the other hand, when the sensing unit 101 does not receive the information of the settlement device ID from the settlement device 200, the sensing unit 101 remains on standby.

The sensing unit 101 determines whether or not the settlement device information (industry ID) has been received from the server device 300 (step S103). When the sensing unit 101 determines that the settlement device information (industry ID) has been received (step S103; Yes), the acquisition unit 102 attempts to acquire the electronic money information corresponding to the settlement device information (step S104). On the other hand, when the sensing unit 101 determines that the settlement device information (industry ID) has not been received (step S103; No), the sensing unit 101 remains on standby.

For example, when the sensing unit 101 receives the information of the business type ID (for example, "convenience store") of the store in which the settlement device 200 is installed from the server device 300, the acquisition unit 102 requests the server device 300 to transmit the business type ID. Corresponding electronic currency information. On the other hand, when the sensing unit 101 does not receive the related information of the business type ID of the store installed in the settlement device 200, the sensing unit 101 remains on standby.

Next, the acquisition unit 102 determines whether or not electronic money information has been acquired (step S105). When the acquisition unit 102 determines that the electronic money information has been acquired (step S105; Yes), the payment unit 104 performs payment using the electronic money specified by the information of the electronic money, and causes the settlement device 200 to perform settlement of the payment ( Step S106). On the other hand, when the acquisition unit 102 determines that the electronic money information has not been acquired (step S105; No), the acquisition unit 102 acquires the priority order information from the server device 300 (step S107).

For example, when the acquisition unit 102 acquires the electronic money information "X" corresponding to the settlement device information (industry ID) "convenience store" from the server device 300, the payment unit 104 is electronic money "X". The payment is made to cause the settlement device 200 to settle the payment. On the other hand, when the acquisition unit 102 does not acquire the electronic money information corresponding to the settlement device information (industry ID) "restaurant" from the server device 300, the acquisition unit 102 acquires the settlement from the server device 300. Device information (the priority of the electronic currency of the industry ID "restaurant").

When the acquisition unit 102 acquires the priority ranking information (step S107), the selection unit 103 presents the priority ranking information to the user (step S108).

For example, the acquisition unit 102 obtains a table (FIG. 6, priority order information table 300c) in which the priority order of the electronic money corresponding to the settlement device information is described. The selection unit 103 causes the display 515 of the portable terminal 100 to display the priority order information based on the table as shown in FIG. Then, the user is urged to make a selection from among the electronic money displayed on the display 515.

The selection unit 103 determines whether or not electronic money is selected by the user (step S109). When the selection unit 103 determines that the electronic money is selected by the user (step S109; Yes), the payment unit 104 performs payment using the electronic money selected by the user, and causes the settlement device 200 to perform settlement of the payment (step S110). ). On the other hand, when the selection unit 103 determines that no electronic money has been selected by the user (step S109; No), the selection unit 103 remains on standby.

For example, assuming that priority information (FIG. 7) is displayed on the display 515 of the portable terminal 100, the user A operates the button 516 of the portable terminal 100 and selects the electronic money "Z". At this time, the payment unit 104 performs payment by the electronic money "Z", and causes the settlement device 200 to perform settlement of the payment. On the other hand, when the user A does not select any of the electronic money, the selection unit 103 displays the priority order information and remains on standby.

When the electronic money is selected by the selection unit 103 (step S109; Yes), the storage unit 105 associates the electronic money information of the electronic money with the settlement device information (the industry type ID) sensed by the sensing unit 101. It is stored in the server device 300.

For example, when the sensing unit 101 senses the settlement device information (industry ID) "restaurant" and the user A selects the electronic money "Z" from among the electronic money displayed on the display 515, the storage unit 105 is attached to the server device. In the user history table 300b stored in the 300, the user A is stored in association with the settlement device information (industry ID) "restaurant" and the electronic money information "Z".

When the settlement is completed in step S106, or the storage of the server device 300 is completed in step S111, the payment processing by the portable terminal 100 ends.

According to the present embodiment, in a portable terminal that can use a plurality of types of electronic money, payment can be performed without performing an operation of selecting electronic money used for payment from a plurality of copies. In addition, payment can be made with the best payment method depending on the object of payment.

Further, in the present embodiment, the priority order information is determined based on the history of the user who is similar to the user who wants to make the payment, but is not limited thereto. For example, the priority order information may be determined based on the history of all users registered in the user history table 300b.

Further, in the present embodiment, the priority order of the electronic money presented to the user is obtained by the acquisition unit 102 inquiring into the server device 300, but the present invention is not limited thereto. For example, in the portable terminal 100, the history of the electronic money information that the user of the portable terminal 100 has used may be memorized. Then, based on the history, the electronic money is sequentially marked with a higher frequency of use, and is presented to the user as a priority of the electronic money. In this case, the priority order of the electronic money may be presented along with the settlement device ID acquired from the settlement device 200.

Moreover, after the process of step S106 of the flowchart of FIG. 8, the electronic money information of the electronic money which was used at the time of payment of the step S106 may be associated with the settlement device information of the settlement device 200 which has been settled, and It is registered in the user history table 300b. In this way, the frequency of use of electronic money can be utilized when the priority information is obtained from other users.

Further, before the processing of step S106 of the flowchart of FIG. 8, the CPU 501 displays the electronic money information acquired by the acquisition unit 102 on the display 515, and allows the user to authorize whether or not the electronic money information is indicated by the electronic money information. Electronic money to make payments. Then, when the user does not authorize payment by the electronic money, the process proceeds to step S107. At this time, the electronic money information of the electronic money that is not authorized is presented to the user as the electronic currency with the lowest priority.

Further, the above-described embodiments are for illustrative purposes and are not intended to limit the scope of the invention. Further, the invention of the present invention is not limited to the application of the specific technical specifications shown in the above embodiments. Therefore, as long as the practitioner can naturally adopt an embodiment in which the elements or the entire elements of the present invention are equally substituted, these embodiments are still included in the scope of the present invention.

The present invention is based on Japanese Patent Application No. 2010-222936, filed on Sep. 30, 2010. In the present specification, the specification, the scope of the patent application, and the drawings of Japanese Patent Application No. 2010-222936 are incorporated by reference.

[Possibility of industrial use]

According to the present invention, in a portable terminal that can utilize a plurality of electronic settlement means (electronic money function, mobile credit function, etc.), a payment program, a payment method, an information recording medium, and a payment recording medium suitable for easy payment can be provided. And portable terminals.

100. . . Portable terminal

101. . . Perception department

102. . . Acquisition department

103. . . Selection department

104. . . Payment department

105. . . Saving department

200. . . Settlement device

300. . . Server device

300a. . . Industry table

300b. . . User resume

300c. . . Priority information table

400. . . network

500. . . Portable information processing device

501. . . CPU

502. . . ROM

503. . . RAM

504. . . Ministry of Communications

505. . . Power supply department

506. . . Operation department

507. . . Sound processing department

508. . . speaker

509. . . microphone

510. . . Display department

511. . . I/O Department

512. . . External memory

513. . . antenna

514. . . IC department

515. . . monitor

516. . . Button

Fig. 1 is a view showing the relationship between a portable terminal, a settlement device, and a server according to an embodiment of the present invention.

Fig. 2 is a view showing a schematic configuration of a typical portable information processing device for realizing a portable terminal according to an embodiment of the present invention.

Fig. 3 is a view showing a schematic configuration of a portable terminal according to an embodiment of the present invention.

[Fig. 4] An explanatory diagram of a business table.

FIG. 5 is an explanatory diagram of a user history table.

[Fig. 6] An explanatory diagram of a priority order information table.

[Fig. 7] An explanatory diagram of priority order information presented to the user.

Fig. 8 is a flow chart for explaining the payment processing performed by the portable terminal according to the embodiment of the present invention.

100. . . Portable terminal

101. . . Perception department

102. . . Acquisition department

103. . . Selection department

104. . . Payment department

105. . . Saving department

200. . . Settlement device

300. . . Server device

300a. . . Industry table

300b. . . User resume

300c. . . Priority information table

Claims (12)

A payment program characterized in that a portable computer equipped with a plurality of types of electronic settlement means and capable of communicating with a settlement device performs the following functions: a sensing unit that is used to specify a settlement required for a pre-registration device The device information is sensed; the acquisition department obtains the settlement means information stored in association with the settlement device information that has been perceived in the foregoing, and the payment department is determined based on the information of the settlement means that has been obtained in the foregoing note. The settlement means is designated to communicate with the pre-recording device, so that the settlement device performs settlement of the payment; the depositing department is used to specify the settlement means information required for the settlement means for which the pre-determination has been determined, and the pre-recording has been perceived. The settlement device information is stored and saved. According to the payment program described in claim 1, the pre-recorded portable computer is also used as a selection unit, and when the information of the pre-recognition means is not obtained, the user who wants to make the payment has a plural type from the foregoing. Any one of the settlement means is selected; the prepayment unit is configured to communicate with the predecessor settlement device by designating the settlement means selected in advance, so that the settlement device performs settlement of the payment. The payment program described in claim 2, wherein the pre-recording selection unit sets a priority order for the settlement means of the pre-recording plural type based on the history of the settlement means selected by the user in the past, so as to select it. One. According to the payment program described in claim 2 or 3, the pre-recording storage unit stores, for each of the pre-recorded users, the information of the pre-recognition device and the information of the settlement means selected in the previous record, and stores the information in the predetermined server. The pre-recording acquisition unit obtains the settlement means information corresponding to the information established by the pre-recording device information from the server specified in the preceding paragraph. According to the payment program described in the claim 4, when the pre-recording means information is not obtained, the pre-recording acquisition unit obtains the settlement determined based on the history of the settlement means selected by the other user in the past. The priority information of the means; the pre-recording selection department is based on the priority information that has been obtained in the pre-recording, and prioritizes and prompts the settlement means of the plural-type plural type to let it choose either. The payment program described in claim 5, wherein the pre-recorded priority information is determined based on the history of the user who has the same user attribute as the previous user who wants to make payment. The payment program according to any one of claims 4 to 6, wherein the pre-recording unit searches the identification device of the settlement device that has been sensed by the pre-recording device, and queries the predetermined server device. In order to obtain the business type ID of the settlement device, the pre-registration device information is the industry type ID that has been obtained in the previous record. A payment program as recited in any one of claims 1 to 3, The information of the pre-recording device is the location information of the portable computer that has been perceived by the pre-recorded portable computer. The payment program according to any one of claims 1 to 3, wherein the pre-reporting device information is identification information of the accounting device that is perceived by the pre-determined settlement device. A payment method is a payment method executed by a portable terminal that includes a sensing unit, an acquisition unit, a payment unit, and a storage unit, and is equipped with a plurality of types of electronic settlement means, and can communicate with the settlement device, and is characterized in that The sensing system includes: the pre-recording unit that perceives the settlement device information required for the specific pre-determination device; and the acquisition project, which is obtained by the pre-recording acquisition unit and is stored in association with the pre-recorded settlement device information. The settlement means information; and the payment item is specified by the prepayment department, the settlement means determined based on the information of the settlement means that has been obtained in advance, and communicates with the pre-recording device, so that the settlement device performs settlement of the payment; And the preservation project is stored in the pre-recording storage unit, and the settlement means information required for specifying the settlement means for which the pre-record has been determined is stored in association with the settlement device information that has been perceived in the foregoing. A computer-readable information recording medium on which a program is recorded, which is characterized in that a portable computer equipped with a plurality of types of electronic settlement means and capable of communicating with a settlement device performs the following functions: The sensing unit is configured to identify the settlement device information required for the predetermined settlement device, and the acquisition unit obtains the settlement information stored in association with the settlement device information that has been perceived in the foregoing, and obtains the payment information; The settlement means determined based on the information on the settlement means that has been obtained in advance, and the communication with the pre-recording device, so that the settlement device performs settlement of the payment; the preservation department is used to specify that the pre-record has been determined. The settlement means information required for the settlement means is stored in association with the information of the settlement device that has been perceived as the previous record. A portable terminal is a portable terminal that is equipped with a plurality of types of electronic settlement means and can communicate with a settlement device, and is characterized in that it has a sensing unit that is used to specify a settlement required by the preceding settlement device. The device information is sensed; and the acquisition department obtains the settlement means information stored in association with the settlement device information that has been perceived in the foregoing, and the payment department is based on the settlement means information that has been obtained based on the pre-record The settlement means of the decision is specified, and communication with the pre-recording device is performed, so that the settlement device performs settlement of the payment; and the depositing department is used to specify the settlement means information required for the settlement means for which the pre-determination has been determined, and the pre-recording The perceived settlement device information is associated and saved.