WO2007129581A1

WO2007129581A1 - Paying system, paying terminal device, and paying method

Info

Publication number: WO2007129581A1
Application number: PCT/JP2007/058959
Authority: WO
Inventors: Hiroaki Nagai
Original assignee: Bitwallet, Inc.
Priority date: 2006-05-02
Filing date: 2007-04-25
Publication date: 2007-11-15
Also published as: JP5164238B2; JP2007299316A

Abstract

It is an object for a user to easily carry out payment as described in a paying slip. A sales managing server (3) transmits order information to an electronic money server (2) when the sales managing server receives an order from a user. The money server (2) generates a two-dimensional code embedding the order information and a URL and transmits the same to the sales managing server (3). The sales managing server (3) prints the two-dimensional code (5) on a paying slip (4). A user picks up an image of the two-dimensional code (5) by a mobile telephone (7). When the mobile telephone (7) acquires the image data of the two-dimensional code (5), recognizes the order information and the URL, connects the electronic money server (2), and transmits the order information. When the electronic money server (2) receives the order information from the mobile telephone (7), the electronic money server (2) generates paying amount changing information that reduces a value by the payment amount of the product and transmits it to the mobile telephone (7). Using this information, the mobile telephone (7) reduces the paying amount of the product from the stored value and completes the payment.

Description

Specification

Payment system, payment terminal, and payment method

Technical field

[0001] The present invention relates to a payment system, a payment terminal, and a payment method, and for example, relates to a payment method using electronic money.

Background art

[0002] In recent years, with the widespread use of home delivery services, opportunities for goods to be delivered directly to customers have increased. As a payment method for such products, there is a method using a payment slip attached to the product.

When the customer receives the merchandise, the customer pays the merchandise by bringing the payment slip to a financial institution such as a bank or a convenience store that performs payment.

In the case of prepayment, the product is delivered to the customer after making payment using the payment slip.

As a technique relating to such a payment slip, there is the following “delivery slip”.

Patent Document 1: Japanese Patent Laid-Open No. 2001-253185

[0003] In this technology, a payment slip is stored in a bag portion provided in a delivery slip, so that the payment slip is attached together with the delivery slip to the packaging or packing of the article in such a manner that its contents cannot be read.

Disclosure of the invention

Problems to be solved by the invention

[0004] However, customers need to bring payment slips to financial institutions and make payments in cash.

It was a big burden.

[0005] Therefore, an object of the present invention is to enable a customer to easily make payment described in a payment slip.

Means for solving the problem

[0006] In order to achieve the above object, according to the present invention, in the invention according to claim 1, the monetary value is stored as electronic data, and the stored monetary value is stored using the monetary amount change information. Order information for identifying the payment terminal for reducing the amount, the product, the seller of the product, and the payment amount for the purchase of the product, and the connection to the server to which the order information is sent And a sales system that generates image information in which information is embedded, and generates money amount change information that reduces the monetary value stored by the payment terminal using the order information. Then, the payment terminal recognizes the order information and connection information embedded in the image information, connects to the sales system using the connection information, transmits the order information to the sales system, and The system generates amount change information using the transmitted order information and transmits it to the settlement terminal, and the settlement terminal reduces the stored monetary value amount using the transmitted amount change information. Settlement system, characterized in that the settlement of the purchase price of the commodity by Rukoto.

In the invention according to claim 2, the sales system stores the terminal settlement and the monetary value as electronic data, and uses the monetary amount change information to reduce the memorized monetary value. 2. The settlement according to claim 1, further comprising selection accepting means for accepting selection of any one of the settlement terminal and transmitting the generated amount change information to the settlement terminal selected by the selection means. Provide a system.

In the invention described in claim 3, the order for specifying the amount storage means for storing the monetary value amount as electronic data, the product, the seller of the product, and the settlement amount for the purchase of the product Information and connection information to the server to which the order information is transmitted, image acquisition means for acquiring embedded image information, and recognizing the order information and the connection information from the acquired image information Recognizing means, server connecting means for connecting to the server using the recognized connection information, order information transmitting means for transmitting the recognized order information to the connected server, and the transmitted order information. An amount change information receiving means for receiving the generated amount change information; and a settlement means for paying the purchase price of the product by reducing the stored amount using the received amount change information. Providing a payment terminal, characterized by comprising a.

The invention according to claim 4 provides the settlement terminal according to claim 3, wherein the money amount change information receiving means receives the money amount change information from the server. The invention according to claim 5 is characterized in that the amount change information receiving means receives the amount change information from a settlement server that has received a request for settlement processing from the server. Provide a payment terminal.

In the invention according to claim 6, the amount storage means for storing the monetary value amount as electronic data, the image acquisition means, the recognition means, the server connection means, the order information transmission means, and the amount change information reception means And the payment means, the order information specifying the product, the seller of the product, and the payment amount related to the purchase of the product, and the order information. Connection information to a server that is a transmission destination of the image, an image acquisition step of acquiring image information embedded with, and a recognition step of recognizing the order information and the connection information from the acquired image information by the recognition unit; A server connection step of connecting to the server using the recognized connection information by the server connection means; and the server connected by the order information transmission means. The order information transmitting step for transmitting the extracted order information; the amount change information receiving step for receiving the amount change information generated for the transmitted order information by the amount change information receiving means; A settlement method comprising: a settlement step of settlement of the purchase price of the product by reducing the stored amount by using the received amount change information by a settlement means.

The invention's effect

[0007] According to the present invention, the customer can easily make the payment described in the payment slip by making a payment with the electronic money stored in the payment terminal. Brief Description of Drawings

FIG. 1 is a diagram showing a configuration of a payment system according to the present embodiment.

FIG. 2 is a diagram showing a functional configuration of a mobile phone.

FIG. 3 is a diagram showing an example of a hardware configuration of an electronic money server.

FIG. 4 is a diagram for explaining a database.

FIG. 5 is a diagram for explaining a database.

FIG. 6 is a diagram for explaining the appearance of a voucher.

FIG. 7 shows a confirmation screen. [FIG. 8] A view showing a place where a settlement mail is displayed.

[FIG. 9] A diagram showing a settlement screen.

FIG. 10 is a flowchart for explaining a procedure until a slip is issued.

FIG. 11 is a flowchart for explaining a procedure until payment is made.

FIG. 12 is a diagram for explaining a first modification.

FIG. 13 is a diagram for explaining a second modification.

Explanation of symbols

[0009] 1 Settlement system

2 Electronic money server

3 Sales management server

4 slips

5 2D code

6 Mobile phone

BEST MODE FOR CARRYING OUT THE INVENTION

[0010] (1) Outline of Embodiment

In the present embodiment, payment is made by reducing the amount of money for the commodity price in the mobile phone 7 in which the monetary value is stored as electronic data called value.

First, when receiving an order from a user (customer), the sales management server 3 transmits order information to the electronic money server 2. The electronic money server ₂ generates a two-dimensional code in which order information for identifying information necessary for settlement such as a store i _D , a product, and an amount of money and a URL for connecting to the electronic money server 2 are embedded. Send to management server 3.

The sales management server 3 prints the two-dimensional code 5 (image information) sent from the electronic money server 2 on the slip 4 on the slip 4. The slip 4 is delivered to the user together with the product.

When the user receives the slip 4, the user captures the 2D code 5 by the digital camera function of the mobile phone 7.

When the mobile phone 7 acquires the image data of the two-dimensional code 5, it analyzes this and recognizes the order information and the URL. Then, connect to the electronic money server 2 using the URL and place an order Send information.

[0012] Upon receiving the order information from the mobile phone 7, the electronic money server 2 confirms this using the order information received from the sales management server 3, and changes the amount by which the value is reduced by the amount of the product. Generate information and send to mobile phone 7.

The mobile phone 7 receives the amount change information from the electronic money server 2 and uses it to reduce the stored value by the amount of the product and perform settlement.

The electronic money server 2 transmits a completion notification to the sales management server 3 when the payment by the mobile phone 7 is completed.

[0013] When storing the value in the mobile phone 7, the business operator of the electronic money server 2 receives cash equivalent to the value of the user so that the value can be matched with the cash. ing. For this reason, the user deposits in advance with the company of the electronic money server 2 in exchange for the value and makes a settlement with cash.

Thus, according to the present embodiment, the user can settle the slip 4 on the spot by photographing the two-dimensional code 5 of the slip 4 with the mobile phone 7.

[0014] (2) Details of the embodiment

FIG. 1 is a diagram showing the configuration of the payment system according to the present embodiment.

The payment system 1 is also composed of a mobile phone 7, an electronic money server 2, a sales management server 3, and a two-dimensional code 5 printed on a slip 4.

The mobile phone 7 is a mobile terminal equipped with a network connection function, a digital camera function, a two-dimensional code analysis function, an electronic money function, etc. in addition to a call function.

In the network function, URLs (Uniform Resource Locators) can be used to access the server and send and receive e-mail.

In the digital camera function, a subject can be imaged on a light receiving surface constituted by a CCD (Charge-Coupled Device) or the like by an optical system, and the projected image thus formed can be converted into image data.

[0015] The two-dimensional code analysis function can analyze image data of a two-dimensional code photographed by the digital camera function and recognize information embedded in the two-dimensional code. In the electronic money function, a monetary value amount called “value” is stored in a storage device, and the value of knowledge can be changed by amount change information input from the outside. The amount change information includes the amount and amount of money, and the mobile phone 7 has added or subtracted the value of the value stored in the stored amount from the amount specified in the amount change information. Update to value.

In the payment system 1, the knowledge is used as a cash substitute, and the user of the mobile phone 7 (hereinafter simply referred to as a user) can make various payments by reducing the value of the mobile phone 7.

In addition, when adding a value, it is called charge.

[0016] The electronic money server 2 (settlement system) is a server device operated by an electronic money business operator, transmits money amount change information to the mobile phone 7, and stores the value of the value stored in the mobile phone 7. Can be adjusted.

The sales management server 3 is a server device operated by a dealer, and manages the sale of products.

Voucher 4 is a payment voucher for the merchant to charge the user for the product. The billing details are printed, and a two-dimensional code 5 is printed to settle with the value of the mobile phone 7. Yes.

[0017] The association between Norrie and cash is performed as follows.

The electronic money business operator first receives cash from the user and charges the mobile phone 7 with the same value. The user takes the form of depositing cash with an electronic money business in exchange for charging the value.

When making payments with user value S-value, the electronic money business operator reduces the value of the mobile phone 7 by the payment amount, and out of the cash that the user can save, the payment amount is paid at the store where the payment is made. Send money to.

In this way, electronic money business operators can give money value to Norie by issuing value in exchange for cash, and distribute it as a substitute for cash.

Next, a payment procedure performed in the payment system 1 will be described with reference to the numbers shown in parentheses in the figure. First, a user orders a product from a store. At that time, the user specifies the product to be purchased and the number of items to be purchased, and provides personal information such as name, address, and telephone number, and the slip 4 and the delivery address of the product to the store. When the dealer obtains this information, it assigns an order ID, which is a blueprint that identifies the order, stores it in the sales database, and registers the order in the sales management server 3.

This registration may be performed online by accessing the sales management server 3 sales site from the mobile phone 7 or by mail or telephone, and the person in charge at the sales store manually manages the sales management server 3. May be entered.

(1) When the sales management server 3 registers an order from the user, the sales management server 3 transmits the order information to the electronic money server 2.

The information included in the order information may be anything that can identify the details of the transaction required for settlement. For example, the dealer ID, which is HD information that identifies the dealer, the order ID, and the product that the dealer has given to the order. It consists of the product ID, information, the amount to be settled, etc. When the electronic money server 2 receives the order information from the sales management server 3, it registers it in a payment agency database described later.

[0020] (2) The electronic money server 2 is a two-dimensional embedded order information and URL (Uniform Resource Locators) for accessing the confirmation site of the electronic money server 2 (a website for confirming the order to the user). A code is generated and sent to the sales management server 3.

(3) The sales management server 3 receives the two-dimensional code from the electronic money server 2 and prints it on the slip sheet together with the billing contents to create the slip 4. The dealer then sends the slip 4 together with the product to the user.

(4) When the user receives the product and the slip 4, the user takes a picture of the two-dimensional code 5 with the mobile phone 7. Then, the mobile phone 7 analyzes the image data obtained by photographing the two-dimensional code 5, and recognizes the URL and order information.

(5) The mobile phone 7 accesses the confirmation site of the electronic money server 2 using the recognized URL. When the electronic money server 2 receives access from the mobile phone 7, the electronic money server 2 transmits confirmation screen data for confirming payment details to the mobile phone 7. For example, a parameter corresponding to the order ID is attached to the URL, so that the electronic money server 2 identifies the order. can do.

(6) The mobile phone 7 receives the confirmation screen data from the electronic money server 2 and uses this to display the confirmation screen on the display.

The confirmation screen has an email transmission button. When the user confirms the order contents on the confirmation screen and selects this button, the mobile phone 7 sends the order information recognized from the 2D code 5 to the order information email. To the electronic money server 2.

(7) The electronic money server 2 receives the order information mail from the mobile phone 7. At this time, the electronic money server 2 acquires the electronic mail address of the mobile phone 7.

Then, the electronic money server 2 transmits to the mobile phone 7 a payment start mail for causing the user to start payment using this electronic mail address.

[0022] (8) The user views the settlement start mail on the mobile phone 7. The settlement start mail has a settlement start button, and when the user presses the settlement start button, an application for performing settlement with value is activated.

Then, communication is performed between the mobile phone 7 and the electronic money server 2 using this application, and the electronic money server 2 transmits money change information for reducing the value corresponding to the settlement amount to the mobile phone 7, The cellular phone 7 uses this amount change information to reduce the amount of value stored by itself by the payment amount. In this way, payment is made by the mobile phone 7.

(9) When payment is executed by the mobile phone 7, the electronic money server 2 transmits a completion notification to the sales management server 3 to the effect that the payment is completed.

The sales management server 3 receives the completion notification from the electronic money server 2 and recognizes that the payment processing for the user has been completed.

[0023] As described above, in the payment system 1, the mobile phone 7 can recognize the two-dimensional code 5 and make a payment. This eliminates the need for the user to bring the slip 4 to a financial institution and pay the price, thereby improving user convenience.

In FIG. 1, one sales management server 3 and one mobile phone 7 are shown, but a plurality of these can exist. The electronic money server 2 identifies the sales management server 3 by the store ID and identifies the mobile phone 7 by the electronic money function unit ID described later. The

FIG. 2 is a diagram showing a functional configuration of the mobile phone 7.

The telephone function unit 10 and the electronic money function unit 12 each have a CPU (Central Processing Unit). By executing a predetermined program on these CPUs, the telephone function unit 10 has an application unit 26, an electronic money function unit, and so on. In 12, the value processing unit 28 is configured.

Although not shown, the mobile phone 7 is also provided with a digital camera function unit having a mechanism for driving the optical system, and can acquire image data of the subject (image acquisition means).

The application unit 26 is a functional unit that provides various applications with the mobile phone 7. Functions provided by the application unit 26 include a function for recognizing information embedded in a two-dimensional code by analyzing a two-dimensional code (recognition means), and a function for connecting to a server using a URL (server connection Means), an e-mail transmission / reception function, and a function of accessing the electronic money function unit 12 via the interface unit 11.

On the other hand, the storage unit 29 (amount storage means) of the electronic money function unit 12 is a storage device that stores the amount of money, phlegm data, and the like.

The knowledge processing unit 28 is a functional unit that adjusts the amount of the money stored in the storage unit 29 using the money amount change information (settlement means).

The knowledge processing unit 28 uses the amount change information transmitted from the electronic money server 2 via the application unit 26 to adjust the knowledge in the storage unit 29 and also to read and write the electronic money terminal 8 provided in the store. It is also possible to adjust the knowledge of the storage unit 29 according to the amount change information transmitted by short-range wireless.

FIG. 3 is a diagram illustrating an example of a hardware configuration of the electronic money server 2.

In the electronic money server 2, a CPU 31, a ROM 32, a RAM 33, a communication control unit 34, a storage unit 35, a program storage unit 37, a data storage unit 38 and the like are connected by a bus line 36.

[0028] The CPU 31 performs various information processing according to programs stored in the ROM 32 and the storage unit 35, communicates with the sales management server 3, accepts order information, and performs settlement, and communicates with the mobile phone 7. To realize a function to reduce the value of the mobile phone 7. The ROM 32 is a read-only storage device that stores programs and data. The RAM 33 provides a working area when the CPU 31 performs various types of information processing and control.

The communication control unit 34 functions as an interface for communicating with the sales management server 3 and the mobile phone 7.

[0029] The storage unit 35 is configured by, for example, a storage device such as a semiconductor storage device or a hard disk device, or a combination thereof.

The storage unit 35 includes a program storage unit 37 that stores programs and a data storage unit 38 that stores data.

[0030] The program storage unit 37 stores a program for the CPU 31 to perform the functions described above, an OS (Operating System) that is a basic program for operating the CPU 31, and the like. RU

The data storage unit 38 stores various databases such as a user database, a transaction information database, a store information database, and a payment agent database, which will be described later.

FIG. 4 (a) is a diagram showing a logical configuration of the user database.

The user database consists of “electronic money function part ID”, “user name”, “password”, and other items.

The “electronic money function part ID” is information unique to the electronic money function part 12 of the mobile phone 7, and the electronic money server 2 is stored in the electronic money function part ID read from the electronic money function part 12 and the user database. The mobile phone 7 can be identified by checking the ID of the electronic money function unit.

“User name” is the name of the user.

“Password” is a password for performing user authentication. By confirming the password, the electronic money server 2 can prevent a person other than the user from operating the mobile phone 7 to make a payment.

FIG. 4 (b) is a diagram showing a logical configuration of the transaction information database.

Transaction information database records value charge and payment history on mobile phone 7 To do. In the transaction database, in addition to value charging and settlement performed by communication with the electronic money server 2, value charging and settlement performed by the electronic money terminal 8 are also recorded.

The transaction information database includes items such as “electronic money function unit ID”, “charge”, “settlement”, and the like.

The “electronic money function unit ID” is information of the electronic money function unit 12.

“Charge” is a record when the electronic money function unit 12 is charged. The “change” has items such as “terminal ID”, “date / time”, and “value”.

“Terminal ID” is the ID of the electronic money terminal 8 that has been charged. When charging from the electronic money server 2, the ID of the electronic money server 2 is recorded as the terminal ID

“Date” and “Value” are the date and time of charging and the amount charged. "Payment" has the same items, and the terminal ID, date, and amount of payment are recorded.

FIG. 5 (a) is a diagram showing an example of a logical configuration of the store information database.

The electronic money server 2 registers in advance the dealer who undertakes the payment agent in the dealer information database.

The store information database consists of items such as “store ID”, “name”, and “connection information”.

“Distributor ID” is HD information of the retail store that undertook the payment agent. “Name” and “connection information” are the name of the dealer and connection information for accessing the sales management server 3 of the dealer.

The electronic money server 2 can identify the dealer by collating the dealer ID with the dealer information database, and can access the sales management server 3 of the dealer using the connection information.

FIG. 5 (b) is a diagram showing an example of a logical configuration of the settlement proxy database.

The electronic money server 2 registers order information in the settlement agency database and manages settlement of individual orders. The payment agency database is composed of items such as “Dealer”, “Order ID”, “Amount”, “Payment information” and so on.

The electronic money server 2 registers the order information transmitted from the sales management server 3 in the payment proxy database.

“Distributor ID” is the distributor ID of the distributor of the sales management server 3 that has transmitted the order information.

[0036] "Order ID" is the I blueprint given to the order by the dealer. The electronic money server 2 can specify the order by the store ID and the order ID, and the store can specify the order by the order ID.

“Amount” is a settlement amount.

The “settlement status” is discrimination information for discriminating whether or not the mobile phone 7 has completed settlement for the order. The electronic money server 2 sets “settlement status” to “not yet” when order information is registered, and “completed” when the settlement is completed.

In addition, the product information and the number of items are recorded in the payment information database.

FIG. 6 (a) is a diagram showing the appearance of the slip 4.

Voucher 4 is a new payment slip provided with a two-dimensional code printing unit 41. The two-dimensional code printing unit 41 is printed with explanations regarding electronic money payment and the two-dimensional code 5 generated by the electronic money server 2.

The user can bring the voucher 4 to a payment agency such as a financial institution or a convenience store and make a payment in the same manner as before, or photograph the 2D code 5 with the mobile phone 7 You can also make a payment.

As shown in Fig. 6 (b), URL, dealer ID, order ID, amount, and other information are embedded in the 2D code 5, and the mobile phone 7 captures image data. This information can be recognized.

[0038] In the present embodiment, the two-dimensional code 5 is formed as a part of the slip 4, but it may be attached to a conventional payment slip as a separate sheet.

In addition, the sales management server 3 transmits an image of the 2D code 5 to the user's personal computer or the like, and the user takes the 2D code 5 displayed on the display with the mobile phone 7. It's a matter of composing to cast shadows.

Furthermore, in the present embodiment, the two-dimensional code is used as the target for embedding the order information and URL. However, the present invention is not limited to this. For example, image information that can recognize the contents embedded in the mobile phone 7 such as a barcode. If it is.

[0039] FIG. 7 is a diagram showing a confirmation screen displayed by the mobile phone 7 using the confirmation screen data. In the confirmation screen, a payment destination, a payment amount, and an inquiry destination when there is an unknown point. The phone number, payment method, etc. are displayed, as well as a mail send button. When the user operates the mobile phone 7 and presses the mail send button, the mobile phone 7 sends an order information mail to the electronic money server 2. To do.

FIG. 8 (a) is a diagram showing a payment start mail displayed on the display of the mobile phone 7.

In the payment start mail, the date and time of transmission of the payment start mail, the store, the payment amount, the order ID, the product name, and the payment deadline are displayed.

When the payment start mail is scrolled, a payment start button and a payment stop button are displayed as shown in Fig. 8 (b).

When the user operates the cellular phone 7 and presses the settlement start button, the cellular phone 7 transmits a settlement start request to the electronic money server 2, and the cellular phone 7 is connected to the settlement site of the electronic money server 2.

On the other hand, when the settlement stop button is pressed, the mobile phone 7 transmits a settlement suspension request to the electronic money server 2 and the settlement is suspended.

FIG. 9 (a) is a diagram showing a payment screen displayed on the display of the mobile phone 7 when the mobile phone 7 connects to the payment site of the electronic money sano 2.

The payment screen displays the payment amount, the value balance stored in the mobile phone 7 before payment, and the value balance stored in the mobile phone 7 after payment.

Further, an execution button and a cancel button are displayed on the settlement screen. When the user operates the mobile phone 7 and presses the execute button, the mobile phone 7 sends a settlement execution request to the electronic money. Send to server 2 for settlement.

When the cancel button is pressed, the mobile phone 7 transmits a settlement stop request to the electronic money server 2 and the settlement is cancelled.

FIG. 9 (b) is a diagram showing a payment completion screen displayed on the display of the mobile phone 7 when payment is completed.

On the payment completion screen, a message indicating that payment has been completed, the date and time of payment, the store, the payment amount, and the order ID are displayed.

The user can recognize that the settlement has been completed based on these display contents.

FIG. 10 is a flowchart for explaining a processing procedure from when the store accepts an order from the user and sends the slip 4.

First, the sales management server 3 receives an order for a product from a user and inputs it to the sales management database. This may be performed by directly inputting the user's terminal device power directly into the sales management server 3 or may be performed manually by the person in charge at the store in response to the user's order.

[0044] When the sales management server 3 accepts the user-powered order, it assigns an order ID to the order and stores it in the sales management database, and further transmits the order information to the electronic money server 2 (step 5).

When the electronic money server 2 receives the order information from the sales management server 3, the electronic money server 2 stores it in the payment proxy database and registers it.

Then, the electronic money server 2 generates a two-dimensional code 5 using the registered order information and transmits it to the sales management server 3 (step 15).

[0045] The sales management server 3 receives the two-dimensional code 5 from the electronic money server 2 and stores it in the storage device (step 20).

Next, the sales management server 3 prints and outputs the stored two-dimensional code 5 on the slip 4 using a printing device such as a printer (step 25).

The person in charge at the store sends the slip 4 printed with the product to the user.

FIG. 11 is a flowchart for explaining a processing procedure until the user receives the slip 4 and completes the settlement with the power mobile phone 7. When the user receives the slip 4, the 2D code 5 printed on the slip 4 is photographed by the digital camera function of the mobile phone 7 (step 30).

When the mobile phone 7 captures the 2D code 5, it analyzes the image data obtained by capturing the 2D code 5, and recognizes the order information and URL embedded in the 2D code 5 (step 35).

) o

Next, the mobile phone 7 accesses the confirmation site of the electronic money server 2 using the URL recognized from the two-dimensional code 5 (step 40). At this time, the mobile phone 7 transmits the recognized order ID to the electronic money server 2 (order information transmitting means).

When the electronic money server 2 receives access from the mobile phone 7, it searches the payment proxy database by the order ID and acquires information related to the order. Then, the electronic money server 2 uses this to generate confirmation screen data and sends it to the mobile phone 7 (step 45).

[0048] The mobile phone 7 receives the confirmation screen data from the electronic money server 2, and uses this to display a confirmation screen on the display.

When the user operates the cellular phone 7 and presses the email transmission button on the confirmation screen, the cellular phone 7 transmits an order information email to the electronic money server 2 (step 50). The order information mail includes order information recognized by the mobile phone 7 from the two-dimensional code 5.

The electronic money server 2 receives the order information mail from the mobile phone 7 and acquires the order information and the electronic mail address of the mobile phone 7.

The electronic money server 2 collates the order information received from the mobile phone 7 with the order information registered in the payment agent database, and confirms that the order information recognized by the mobile phone 7 is correct.

When the confirmation is completed, the electronic money server 2 generates a settlement start mail and transmits it to the electronic mail address of the mobile phone 7 (step 55).

[0050] The mobile phone 7 receives the settlement start mail from the electronic money server 2 and displays it on the display.

When the user presses the settlement execution button in the settlement start mail, the mobile phone 7 transmits a settlement request to the electronic money server 2. When the electronic money server 2 receives the payment request from the mobile phone 7, the electronic money server 2 generates amount change information for reducing the value by the amount of payment, and transmits it to the mobile phone 7.

When the mobile phone 7 receives the amount change information from the electronic money server 2 (amount change information receiving means), the mobile phone 7 reduces the stored amount of value using this and notifies the electronic money server that the reduction has been completed. Send to 2.

When the electronic money server 2 receives notification from the mobile phone 7 that the reduction has been completed, it sets the “payment status” in the settlement agency database to “completed” and completes the settlement process.

Further, the electronic money server 2 records the payment in the transaction information database. With the above procedure, settlement processing is performed between the mobile phone 7 and the electronic money server 2 (step 60).

[0051] When the electronic money server 2 completes the payment process, the electronic money server 2 is registered in the payment proxy database, and identifies the dealer by the dealer ID.

Then, the electronic money server 2 transmits an order ID and a completion notification for notifying that the settlement relating to the order ID is completed to the sales management server 3 of the store (step 65).

The sales management server 3 receives the completion notice from the electronic money server 2 (step 70), and recognizes that the settlement of the order specified by the order ID included in the completion notice has been completed.

[0052] The force described above with respect to the present embodiment can be easily added by adding the following configuration.

An electronic money card in which an IC chip having a function equivalent to the electronic money function unit 12 of the mobile phone 7 is mounted on a plastic card has been put into practical use.

The electronic money card functions as a second payment terminal that stores the amount of Norrie and adjusts the stored amount of value using the amount change information.

When a reader / writer that communicates with the electronic money card is connected to a user terminal such as a personal computer connected to the network, the electronic money server 2 and the electronic money card can communicate with each other via the reader / writer.

For this reason, it is possible to send the amount change information from the electronic money server 2 to the electronic money card and make a payment using the value stored in the electronic money card. [0053] Therefore, if the user is given the option of making a payment with an electronic money card in addition to the payment means for making a payment with the mobile phone 7, the convenience of the user can be improved.

In this case, for example, at the confirmation site, the user selects whether to pay with the mobile phone 7 or settle with an electronic money card.

When the user selects payment using the mobile phone 7, payment is made in the same manner as in the embodiment described above.

In this case, the electronic money server 2 includes a selection accepting unit that accepts selection of either the mobile phone 7 (payment terminal) or the electronic money card (second payment terminal), and changes the amount to the selected settlement terminal. Send information.

[0054] On the other hand, when the user selects payment using an electronic money card, a payment execution mail is transmitted to the user terminal. The e-mail address is input by the user. The user installs an electronic money card in the reader / writer and then presses the settlement execution button displayed on the display of the user terminal.

Then, a payment request is transmitted to the user terminal power electronic money server 2, and the electronic money server 2 generates money amount change information in response to this and transmits it to the user terminal.

The amount change information transmitted to the user terminal is input to the electronic money card via the reader / writer, and the electronic money card uses this to reduce the amount of value by the amount of payment.

[0055] As described above, the force described in the present embodiment can provide the following effects.

(1) By photographing the two-dimensional code 5 printed on the slip 4 with the mobile phone 7, the mobile phone 7 can immediately make a settlement. This saves the user the trouble of bringing the slip 4 to a financial institution and transferring the settlement amount.

(2) URL information and transaction information can be embedded in the 2D code 5.

(3) The dealer registers the order information in the electronic money server 2 and requests the electronic money server 2 for settlement by simply printing the two-dimensional code 5 issued thereby on the slip 4. That's right. (4) Since the payment agent by value is performed on the network, it is possible to save labor costs without having to assign a person in charge of the payment agent.

(Modification 1) FIG. 12 is a diagram for explaining a modification of the present embodiment.

In this modification, the electronic money server 2 is divided into a confirmation server 101 and a settlement execution server 102.

As the confirmation server 101 is operated by the payment agency and the payment execution server 102 is operated by the electronic money operator, it can share the work.

[0057] In the confirmation server 101, the sales management server 3 includes a store database and a payment agent database, and the payment execution server 102 includes a user information database and a transaction information database.

In Figure 1, (1) order information registration, (2) 2D code generation, (9) completion notification transmission, (5) confirmation site provision, and (6) order information email reception are The settlement execution server 102 performs (7) transmission of settlement execution mail and (8) execution of settlement.

A more detailed operation is as follows.

As shown in (a) in the figure, the confirmation server 101 acquires the order information and the e-mail address of the mobile phone 7 by the order information mail, and transmits this to the settlement execution server 102. A settlement start mail is transmitted to the e-mail address received from the confirmation server 101 ((7) in the figure), and settlement is performed based on the order information received from the confirmation server 101 ((8) in the figure).

When the settlement processing is completed, the settlement execution server 102 transmits a completion notification to the confirmation server 101 as shown in (b) in the figure. When the confirmation server 101 receives the completion notification from the electronic money server 2, the confirmation server 101 transmits the completion notification to the sales management server 3.

(Modification 2) FIG. 13 is a diagram for explaining Modification 2.

The electronic money server 2 has a user information database, a transaction information database, a store database, and the like. In the following, description will be given according to the numbers in parentheses in the figure.

(1) First, the store receives an order from the user and registers the order information in the sales management server 3. To do.

(2) The sales management server 3 has a function of generating the 2D code 5, and the dealer prints the 2D code 5 generated by the sales management server 3 on the slip 4 and sends it to the user. .

In the 2D code 5, the order information and the URL to the payment site of the electronic money server 2 are embedded.

(3) When the user receives the slip 4, the user photographs the two-dimensional code 5 with the mobile phone 7. Mobile phone 7 recognizes order information (including dealer ID, order ID, product name, settlement amount, etc.) and URL from the image data of 2D code 5.

(4) When the mobile phone 7 recognizes the transaction information and the URL, it connects to the settlement site of the electronic money server 2 using the URL and transmits the order information.

The electronic money server 2 recognizes the store, the order, the product name, the payment amount, etc. from the order information, and performs the payment process by reducing the value of the mobile phone 7 using the payment amount. It is also possible to embed the amount change information in the 2D code 5 and reduce the knowledge by this.

(5) When the payment is completed, the electronic money server 2 sends a completion notification to the sales management server 3 specified by the store ID, and notifies the order, the payment amount, and the like.

Claims

The scope of the claims

[1] A settlement terminal for storing the monetary value as electronic data, and using the monetary amount change information to reduce the stored monetary value;

Image information in which order information for identifying a product, a sales operator of the product, a settlement amount for the purchase of the product, and connection information to a server that is the destination of the order information are embedded A sales system for generating amount change information for reducing the monetary value stored in the settlement terminal using the order information;

A payment system configured using

The payment terminal recognizes the order information and connection information embedded in the image information, connects to the sales system using the connection information, and transmits the order information to the sales system.

The sales system generates money amount change information using the transmitted order information and transmits it to the payment terminal,

The payment system is characterized in that the purchase price of the product is settled by reducing the amount of the stored monetary value using the transmitted amount change information.

[2] The sales system stores the terminal settlement and the monetary value as electronic data.

A second settlement terminal for reducing the amount of the stored monetary value using the amount change information;

A selection receiving means for receiving selection of either one of

The payment system according to claim 1, wherein the generated money amount change information is transmitted to the payment terminal selected by the selection means.

[3] Amount storage means for storing the monetary value as electronic data;

Image information in which order information for identifying a product, a sales operator of the product, and a settlement amount related to the purchase of the product, and connection information to a server to which the order information is transmitted are embedded Image acquisition means for acquiring

Recognition means for recognizing the order information and the connection information from the acquired image information; server connection means for connecting to a server using the recognized connection information; and transmitting the recognized order information to the connected server. Order information transmission means for Amount change information receiving means for receiving the amount change information generated for the transmitted order information;

Settlement means for settlement of the purchase price of the product by reducing the stored amount using the received amount change information;

A settlement terminal characterized by comprising:

4. The settlement terminal according to claim 3, wherein the amount change information receiving unit receives the amount change information from the server.

5. The payment terminal according to claim 3, wherein the amount change information receiving means receives the amount change information from a payment server that has received a request for payment processing from the server.

[6] Amount storage means for storing the monetary value as electronic data, an image acquisition means, a recognition means, a server connection means, an order information transmission means, an amount change information reception means, and a settlement means In the payment terminal provided,

The image acquisition means includes order information for specifying a product, a sales operator of the product, and a settlement amount related to the purchase of the product, and connection information to a server to which the order information is transmitted. An image acquisition step of acquiring embedded image information;

A recognition step of recognizing the order information and the connection information from the acquired image information by the recognition means;

A server connection step of connecting to the server using the recognized connection information by the server connection means;

An order information transmitting step of transmitting the extracted order information to the connected server by the order information transmitting means;

Amount change information receiving step for receiving the amount change information generated for the transmitted order information by the amount change information receiving means;

A settlement step in which the settlement means settles the purchase price of the product by reducing the stored amount using the received amount change information;

A payment method consisting of