WO2002039339A1

WO2002039339A1 - Settlement system using radio telephone

Info

Publication number: WO2002039339A1
Application number: PCT/JP2001/006564
Authority: WO
Inventors: Katsumi Niwa
Original assignee: Exit Inc.
Priority date: 2000-11-13
Filing date: 2001-07-30
Publication date: 2002-05-16
Also published as: AU2002245889A1; JP2002189855A

Abstract

A user (41) applies for opening of an account to a settling agency (43). A portable telephone (1) is then issued to the user. When the user (41) makes a payment to the settling agency (43), opening of the account is completed. The amount of money thus paid is preserved in the nonvolatile storage area in an RAM (35). The user (41) goes to a commercial facility (45) and purchases an article of commerce. At that time, a terminal previously installed in the commercial facility (45) is connected with the portable telephone (1). The terminal is connected with a server (47). Subsequently, authentication is carried out. When a clerk at the commercial facility (45) operates the terminal based on the intension of purchase from the user (41), detailed purchase data is transmitted to the server (47). Consequently, an amount of money for purchase is paid from the balance in the server (47) and the balance in the portable telephone (1) is updated to an amount of money after the payment.

Description

Description Wireless phone, method of using wireless phone, settlement system using wireless phone, settlement method using wireless phone, and program

The present invention relates to a wireless telephone, a method of using the wireless telephone, a system for performing settlement using the wireless telephone, a settlement method thereof, and a program. Background art

2. Description of the Related Art In recent years, not only telephone calls but also various information has been made available using wireless phones such as mobile phones and PHS (registered trademark: Personal Handyphone System). Disclosure of the invention

SUMMARY OF THE INVENTION The present invention has been made in order to make wireless telephones more useful, a payment system which enables wireless telephones to be used as a passbook for savings and savings, wireless telephones used therefor, methods corresponding thereto, and wireless telephones. The program to be executed is provided.

A wireless telephone according to claim 1 of the present invention which has been made to solve such a problem has an image display device, storage means for storing at least a balance of savings and deposits, and at least a savings account of a user of the wireless telephone. Transaction history receiving means for receiving information including a deposit history, a withdrawal history, and a balance from a server in which the information is recorded, a deposit history, and a withdrawal history received by the transaction history receiving means , And usage history display means for outputting the balance to the image display device. According to such a wireless telephone, since the balance is stored in the storage means, the balance can be queried at any time, and the balance is updated by the transaction history receiving means. You can know the latest balance without going. In addition, since the history and balance of past deposits and withdrawals received by the transaction history receiving means are displayed on the image display device by the use history display means, it can be used in the same manner as a conventional passbook. This eliminates the need for a traditional passbook (although it may be used together). According to a second aspect of the present invention, in the wireless telephone according to the first aspect, connection means for connecting the wireless telephone to a terminal device installed in a commercial facility in advance, and the use in the commercial facility When the customer receives a request for payment from the commercial facility through the connection means in connection with receiving at least one of the sale of goods and the provision of services, the balance is updated by subtracting the payment from the balance in the storage means. Means, and first matching means for communicating with the server and updating the balance of the server to the balance updated by the balance updating means.

According to such a wireless telephone, if the wireless telephone is taken to a commercial facility (for example, a department store, a restaurant, an amusement facility), and connected to a terminal device previously installed there via a connection means, The instant settlement is made possible by the balance updating means and the first matching means. Note that the same can be achieved by claim 3.

That is, the present invention described in claim 3 is the wireless telephone according to claim 1, wherein the wireless telephone includes connection means for connecting the wireless telephone to a terminal device installed in a commercial facility in advance. The terminal device, when the user receives at least one of the sale of a product and the provision of a service at the commercial facility, deducts the price from the balance recorded in the server; The telephone is left over by the terminal device And a second matching unit that receives the height via the connection unit and matches the balance stored in the storage unit with the balance.

In claim 2, the balance of the server is corrected based on the balance stored in the storage means of the wireless telephone, but in claim 3, the balance stored in the storage means is corrected based on the balance stored in the server. ing. Even in this case, immediate settlement can be performed.

According to a fourth aspect of the present invention, in the wireless telephone according to the second or third aspect, in a state where the terminal device and the wireless telephone are connected via the connection means, When at least one of sale of a product and provision of a service is received at a commercial facility, a usage content display means for outputting the received content and the price to the image display device is provided.

According to such a wireless telephone, when a payment is made, the content is displayed on the image display device, so that the user can confirm the payment content.

It should be noted that the wireless telephones described in claims 1 to 4 are described as a method of using the wireless telephones, respectively, according to the present invention described in claims 10 to 13, which are the same as the corresponding wireless telephones. The effect can be achieved. The program according to claim 19 causes a wireless telephone provided with a CPU capable of executing the program to function as the wireless telephone according to any one of claims 1 to 4. Therefore, when this program is executed by the CPU, it becomes a radio telephone having the corresponding means, and the same effect as the corresponding radio telephone can be obtained.

The present invention according to claim 5 includes a terminal device installed in a commercial facility in advance, a storage device for storing at least a balance of savings and deposits, and a wireless telephone including a connection device for connecting to the terminal device, At least the deposit history, withdrawal history, and balance of the savings account of the wireless telephone user are recorded. The server is a main part, and in a state where the terminal device and the wireless telephone are connected by the connection means, the user operates the commercial facility to sell products and services. A settlement system using a wireless telephone, comprising a settlement means for subtracting the payment from the balance in the storage means and the balance stored in the server when receiving at least one of the provisions. (Also referred to as a system).

According to such a settlement system, if a user goes to a commercial facility with a wireless telephone and connects the terminal device installed there to the wireless telephone through a connection means, he can purchase goods without having cash. Service (hereinafter referred to as “product purchase” as appropriate). Moreover, since payments are made on the spot, users do not have to worry about using too much of their savings. According to a sixth aspect of the present invention, in the settlement system using the wireless telephone according to the fifth aspect, the settlement means is configured to deduct the price, and the user may sell a product and provide a service from a commercial facility. Is performed on a settlement day which is a day after a predetermined number of days after receiving at least one of the following.

According to such a payment system, the payment is deferred for a predetermined number of days (for example, 30 days) after the purchase of the product, so that the user can use the above-mentioned deposit and saving method. While the possibility of overuse arises, it is possible to purchase the desired product by preparing the price within the grace period. In addition, it is possible for the person who manages the savings account (mainly financial institutions) to claim interest during the grace period.

According to a seventh aspect of the present invention, in the settlement system using the wireless telephone according to the sixth aspect, when the settlement date approaches, a settlement date notifying unit that informs the user that the settlement date is near is provided. It is characterized by having.

According to such a settlement system, the settlement date is notified by the settlement date notification means. It informs you that you are following you, so you can avoid forgetting to transfer money to your account if your account balance is insufficient. To detect that the settlement date is approaching, determine the number of days (for example, 3 days) in advance, and if it is the number of days before the settlement date, determine that it is j approaching. It is mentioned.

According to an eighth aspect of the present invention, in the settlement system using the wireless telephone according to the seventh aspect, the settlement date informing means makes a call to the wireless telephone to thereby provide a user of the wireless telephone. The feature is that it is reported to

According to such a settlement system, the notification is made to the wireless telephone, so that it is not necessary to newly provide a configuration for the notification. It should be noted that, contrary to this description, if the wireless telephone has an e-mail function, substantially the same effect can be obtained even if it is notified by e-mail.

According to a ninth aspect of the present invention, in the settlement system using the wireless telephone according to any one of the fifth to eighth aspects, when the balance stored in the server becomes smaller than a predetermined amount, the balance is reduced. A balance notifying means for notifying the user that the number is small.

According to such a settlement system, when the balance is less than a predetermined amount (for example, 10,000 yen), the balance is notified to the user by the balance notifying means. it can. Similar to the settlement date notifying means, the balance notifying means may be notified by making a call to the user's wireless telephone, or if the wireless telephone has an e-mail function, it is notified by e-mail. May be.

It should be noted that the settlement system described in claims 5 to 9 is described as a settlement method using a wireless telephone, but the present invention described in claims 14 to 18 respectively corresponds to the corresponding settlement system. Similar effects can be obtained. BRIEF DESCRIPTION OF THE FIGURES

1A and 1B are explanatory diagrams of a mobile phone 1 used in a settlement system to which the present invention is applied.

FIG. 2 is a schematic explanatory diagram of one embodiment to which the settlement system of the present invention is applied.

FIG. 3 is an explanatory diagram showing an outline of a transaction flow in the settlement system of the present invention ^:

FIG. 4 is an explanatory diagram showing an example of a screen displayed on the display unit when making a payment using a mobile phone.

FIG. 5 is an explanatory diagram showing a state where a passbook screen is displayed on the display unit of the mobile phone. BEST MODE FOR CARRYING OUT THE INVENTION

A description will be given below together with an embodiment of the present invention.

First, FIG. 1A is an external view of a mobile phone 1 to which the present invention is applied, and FIG. 1B is a block diagram of an internal configuration of the mobile phone 1. The mobile phone 1 includes a display unit 15 configured by a liquid crystal display, arrow keys 17, function keys 19, and numeric keys 20. The mobile phone 1 communicates with the base station constituting the mobile phone network by modulating and demodulating signals transmitted and received via the antenna 21 in addition to the display section 15, arrow keys 17 and function keys 19 described above. A transmitter / receiver 23 for performing wireless communication with a telephone, for outputting voice signals transmitted from other telephone devices as voice during a call and for notifying the user that a calling signal has been transmitted from the base station. An audio output unit 25 for generating ringtones, an audio input unit 27 for inputting user's voice, a connector 28 for connecting to external equipment, and various control processes connected to these units Control unit to do 2 It has nine. The control unit 29 is configured as a microcomputer and includes a CPU 31, a ROM 33, and a RAM 35, a bus line (not shown) for connecting these components, and an IZ0 for connecting these components. (Not shown). Although not shown, the mobile phone 1 also has a clock with a calendar. Then, the function as a general mobile phone 1 is realized by executing a program stored in R0M33.

Examples of the various control processes include the following. That is, a calling process for transmitting a dial number for calling another telephone device from the transmitting / receiving unit 23 to the base station, and when a calling signal is received from the base station, a ringing tone is output from the voice output unit 25. When the user inputs a command to connect the mobile phone 1 to the mobile phone network in response to the generation of a ring tone, the transmission / reception section 23 is activated. Through the connection processing and the call processing for connecting the mobile phone 1 to the mobile phone network via the mobile phone, the called telephone device is connected to the mobile phone network, and the call with the called party's telephone device becomes possible. When the mobile phone 1 is connected to the mobile phone network by the connection process and when it is possible to talk to the telephone device of the caller, the user transmits and receives the voice signal input from the voice input unit 25. From the mobile phone network sent to the base station from part 13 Voice input / output processing for generating a voice from the voice output unit 25 based on the transmitted voice signal, and when the mobile phone 1 is connected to the base station, The processing includes a disconnection process for disconnecting the connection when a command to disconnect the connection with the base station is input, and a mail process for transmitting and receiving e-mail via the Internet.

FIG. 2 shows a schematic explanatory diagram of one embodiment of the settlement system of the present invention. As shown in this figure, this system is composed of a user 41 who owns (or intends to own) a mobile phone 1, a payment institution 43, a commercial facility 45, One bar 47 is composed as the main part. Settlement institutions 43 include banks, securities companies, agricultural cooperatives and post offices, and commercial facilities 45 include department stores, restaurants and amusement facilities. In this figure, the settlement institution 43 and the server 47 are shown as being separated from each other, but the server 47 is installed in the settlement institution 43 (of course, as shown in this figure, another May be installed at the location).

Figure 3 shows the procedure for using this system. The numbers (1) to (5) correspond to the numbers in FIG. Here, it is assumed that user 4 1 does not yet have mobile phone 1. First, the user 41 applies for an account opening to the clearing house 43 at step (hereinafter referred to as S) 100 (1). This may be done by the user 41 going directly to the store of the settlement institution 43, or by applying via the Internet or by mailing the application documents. Then, mobile phone 1 is issued to the user in S110 (2). In this mobile phone 1, the phone number and the account number are linked (S120), and the user 41 designates his / her account by using the mobile phone 1 without being aware of the account number. Has been made possible. When the user 41 deposits money into the settlement institution 43, the opening of the account is completed (S130). The deposited amount is stored in a non-volatile memory area in the RAM 35. This area corresponds to the storage means of the present invention.

In this way, the user 41 receiving the mobile phone 1 goes to the commercial facility 45 to use the service for purchasing the product (S140: (3): "Purchase the product" in Fig. 2). ). At this time, a terminal (not shown) installed in the commercial facility 45 is connected to the mobile phone 1 by inserting a cable into the connector 28. The connector 28 corresponds to the connection means of the present invention. This terminal device is connected to the server 47. Then, the user 4 1 presses the function key 1 9 of the mobile phone 1 to display the menu screen (Fig. (Not shown), and further operate the arrow keys 17 and function keys 19 to call up the screen shown in Fig. 4. This screen displays the area 51 for displaying the account number, the area 53 for displaying the bankbook balance, the area 53 for displaying the bankbook balance, the area 53 for displaying the bankbook balance, and the current date. The area consists of five areas: 55, an area displaying purchased prizes and prices, and an area displaying total purchases. When this screen is activated, areas 57 and 59 are blank.

Next, authentication is performed (S150: (4)). This is performed by the user 41 inputting the personal identification number using the numeric keys 20 of the mobile phone 1. Each time a user 4 1 enters one numeric key, an asterisk (*) is displayed in area 6 1, and if the password is correctly entered, “Γ Hata” is displayed in column 63 and authentication is completed. . If the password is incorrect, “·” will be displayed in column 65 to prompt the user to re-enter the password. At S160, the user checks the purchase data of the product. When the clerk at the commercial facility 45 operates the terminal device based on the purchase intention from the user 41, for example, the product name and its price are displayed in the area 57 as shown in the figure, 5 9 shows the total amount. This corresponds to the use content display means of the present invention. Looking at this display, the user 41 confirms the product he / she is going to purchase and its price.

In this figure, when the user 4 1 presses the lower part of the arrow key 17 (the key indicated by Τ in Fig. 1 が), the settlement area 6 7 is highlighted and the function key 19 is pressed here. The payment is completed, and the usage statement data is transmitted to the server 47 (S170: (5)). At this time, data relating to transactions performed without using the mobile phone 1 (for example, payment, payment of salary, automatic deduction of utility charges, etc.) is transmitted from the server 47 and stored in the RAM 35. . Similar to this, the passbook entry function of the mobile phone 1 Has also been made possible. The passbook entry function is a server directly from the mobile phone

Calling 47 (including calling via a communication network such as the Internet) downloads transaction data from the server 47 and corresponds to the transaction history receiving means of the present invention.

When the settlement is completed, the usage amount (the amount displayed in the area 59) is deducted from the balance in the server 47 (corresponding to the second matching means of the present invention), and the usage amount of the balance in the RAM 35 is also reduced. It is updated to the subtracted value (S180: corresponds to the balance updating means of the present invention. It should be understood that the second matching means and the balance updating means collectively correspond to the settlement means of the present invention. You can also). At this time, the date and time of purchase and the name of the commercial facility 45 are also recorded in RAM 35. The date and time of purchase are based on the date and time of the calendar clock of the mobile phone 1, and the name of the commercial facility 45 is input from the terminal device via a cable. If the balance is less than the usage amount, settlement is not possible. When the settlement is completed in this way, the updated balance is displayed in the area 55 (S190).

The mobile phone 1 can display the same screen as a conventional passbook. This is shown in Figure 5. This screen is called by pressing the function key 19 and calling the menu screen, and operating the arrow keys 17 and the function keys 19 in the same manner as the screen of FIG. 4 is called. As shown in this figure, on this screen, the date of use, payment amount, deposit amount, application, and balance are displayed based on the contents recorded in RAM 35. This processing corresponds to the use history display means of the present invention. Therefore, if you look at this screen, you can know the usage status and balance of the deposit, as with the conventional passbook.

As described above, the embodiment to which the present invention is applied has been described. However, the present invention is not limited to this embodiment and can be implemented in various modes. Used, but PH The same thing may be realized using s.

Although the terminal device installed in the commercial facility 45 and the mobile phone 1 are connected via the connector 28, they may be connected wirelessly. That is, the terminal device may be configured to be able to make a call from the mobile phone 1 so that the product data can be confirmed and authenticated.

Instead of performing the settlement on the spot, the debit may be made after a predetermined period (for example, one month). In this way, the settlement institution 4 3 can obtain interest from the user 4 1 for the period. In this embodiment, when the settlement date approaches (for example, three days before), the settlement institution 43 automatically makes a call to the mobile phone 1 to notify the user that the settlement date is near. This may correspond to the settlement date notification means of the present invention, and the notification may be configured to reach the mobile phone 1 by e-mail.

Also, when the balance becomes 0 yen or a state close to 0 yen (for example, less than 10,000 yen), the settlement institution 43 “calls to the mobile phone 1 that informs that the settlement date is near j. Alternatively, it may be configured to reach the mobile phone 1 by e-mail, etc. This corresponds to the balance informing means of the present invention.

The commercial facility 45 and the server 47 may not be connected, and the mobile phone 1 may be used as a communication terminal to perform balance inquiry and settlement displayed in the area 53.

The date and time recorded in the RAM 35 may be received from the communication terminal of the commercial facility 45 or the server 47 instead of the calendar of the mobile phone 1. Although the screen display of FIG. 5 is performed based on the stored contents of the RAM 35, it may be performed by other methods. For example, by integrating with the passbook entry function described above, every time the screen shown in Fig. 5 is called, the mobile phone 1 accesses the server 47, downloads and displays the transaction data stored in the server 47. You may do it.

Further, as the wireless telephone, a device that functions as the wireless telephone of the present invention by loading a specific program into the RAM 35 and executing the program may be used. Industrial applicability

According to the present invention, a wireless phone such as a mobile phone can be used as a bankbook.

Claims

Claimed field

1. An image display device,

Storage means for storing at least the balance of deposits and savings;

A transaction history receiving means for receiving, from a server in which the information is recorded, at least information including a deposit history, a withdrawal history, and a balance of a savings account of the wireless telephone user;

Usage history display means for outputting the history of payment, the history of withdrawal, and the balance received by the transaction history reception means to the image display device;

A wireless telephone comprising:

2. In the wireless telephone according to claim 1,

Connection means for connecting the wireless telephone to a terminal device installed in a commercial facility in advance;

When the user receives a request from the commercial facility through the connection means for receiving at least one of the sale of a product and the provision of a service at the commercial facility, Means for updating the balance to be deducted from the balance in the storage means,

First matching means for communicating with the server and updating the balance of the server to the balance updated by the balance updating means;

A wireless telephone comprising:

3. In the wireless telephone according to claim 1,

A connection device for connecting the wireless telephone to a terminal device installed in a commercial facility in advance,

The terminal device, when the user receives at least one of the sale of goods and the provision of services at the commercial facility, subtracts the price from the balance recorded in the server, The wireless telephone further includes a second matching unit that receives the balance deducted by the terminal device through the connection unit, and matches the balance stored in the storage unit with the balance.

A wireless telephone comprising:

4. In the wireless telephone according to claim 2 or 3,

In a state in which the terminal device and the wireless telephone are connected via the connection means, when the user receives at least one of product sales and service provision at the commercial facility, the received content and the Usage content display means for outputting a price to the image display device

A wireless telephone comprising:

5. Terminal equipment installed in commercial facilities in advance,

A wireless telephone including at least storage means for storing the balance of deposits and savings, and a connection means for connecting to the terminal device;

A server in which at least a deposit history, a withdrawal history, and a balance of the savings account of the wireless telephone user are recorded;

Is the main part,

In a state where the terminal device and the wireless telephone are connected by the connection means, when the user receives at least one of selling a product and providing a service at the commercial facility, Payment means for subtracting the price from the balance in the storage means and the balance stored in the server

A payment system using a wireless telephone, comprising:

6. The settlement system using a wireless telephone according to claim 5, wherein the settlement means performs the deduction of the price after the user receives at least one of sale of a product and provision of a service from a commercial facility. What to do on the settlement date, which is the day after the specified number of days

A payment system using a wireless telephone.

7. The settlement system using a wireless telephone according to claim 6, wherein when the settlement date approaches, a settlement date notification unit that informs the user that the settlement date is near.

A payment system using a wireless telephone, comprising:

8. The settlement system using a radio telephone according to claim 7, wherein the settlement date notification means notifies the user of the radio telephone by making a call to the radio telephone. A settlement system using a wireless phone.

9. A settlement system using a wireless telephone according to any one of claims 5 to 8,

When the balance stored in the server becomes smaller than a predetermined amount, balance notifying means for notifying the user that the balance is small.

A payment system using a wireless telephone, comprising:

10. A method of using a wireless telephone having an image display device,

At least memorize the balance of savings,

Receiving, from the server on which the information has been recorded, at least the information of the deposit and withdrawal history and the balance of the savings account of the wireless telephone user;

The received deposit history, withdrawal history, and balance are output to the image display device.

A method of using a wireless telephone, comprising:

11. The method of using a wireless telephone according to claim 10, wherein:

The wireless telephone is connected to a terminal device installed in a commercial facility in advance, and the user receives at least one of the sale of a product and the provision of a service at the commercial facility, and a fee from the commercial facility is received. Is deducted from the balance, Contact the server to update the balance on the server to the balance of the wireless phone

A method of using a wireless telephone, comprising:

12. The method of using a wireless telephone according to claim 10, wherein:

The wireless telephone is connected to a terminal device installed in a commercial facility in advance, and when the user receives at least one of the sale of goods and the provision of service at the commercial facility, the terminal device Subtract from the balance recorded on the server,

The wireless telephone receives a balance deducted by the terminal device from the server, and matches the balance stored in the wireless telephone with the balance.

A method of using a wireless telephone, comprising:

13. The method for using a wireless telephone according to claim 11 or 12, wherein the user sells goods and services at the commercial facility in a state where the terminal device and the wireless telephone are connected. When at least one of the provisions is received, the received contents and the price are output to the image display device.

A method of using a wireless telephone, comprising:

1 4. Terminal equipment installed in commercial facilities in advance,

Is the main part,

In a state in which the terminal device and the wireless telephone are connected by the connection means, the user sells and sells goods at the commercial facility. Upon receiving at least one of the services, the payment is deducted from the balance in the storage means and the balance stored in the server.

A settlement method using a wireless telephone.

15. The settlement method using a wireless telephone according to claim 14, wherein the deduction of the price is determined in advance after the user receives at least one of sale of a product and provision of a service from a commercial facility. On the settlement date, which is the day after the number of days

A settlement method using a wireless telephone.

16. The settlement method using a wireless telephone according to claim 15, wherein when the settlement date approaches, the user is notified that the settlement date is near. .

17. The settlement method using a wireless telephone according to claim 16, wherein the wireless telephone is notified to a user of the wireless telephone by calling the wireless telephone. Payment Method.

18. In the settlement method using a wireless telephone according to any one of claims 14 to 17,

When the balance stored in the server becomes smaller than a predetermined amount, the user is notified that the balance is small.

A settlement method using a wireless telephone.

19. A program for causing a wireless telephone equipped with a CPU capable of executing a program to function as the wireless telephone according to any one of claims 1 to 4.