WO2007129581A1 - Paying system, paying terminal device, and paying method - Google Patents
Paying system, paying terminal device, and paying method Download PDFInfo
- Publication number
- WO2007129581A1 WO2007129581A1 PCT/JP2007/058959 JP2007058959W WO2007129581A1 WO 2007129581 A1 WO2007129581 A1 WO 2007129581A1 JP 2007058959 W JP2007058959 W JP 2007058959W WO 2007129581 A1 WO2007129581 A1 WO 2007129581A1
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- WIPO (PCT)
- Prior art keywords
- information
- server
- payment
- settlement
- amount
- Prior art date
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
Definitions
- 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.
- the customer 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.
- a financial institution such as a bank or a convenience store that performs payment.
- the product is delivered to the customer after making payment using the payment slip.
- Patent Document 1 Japanese Patent Laid-Open No. 2001-253185
- 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.
- an object of the present invention is to enable a customer to easily make payment described in a payment slip.
- the monetary value is stored as electronic data, and the stored monetary value is stored using the monetary amount change information.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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;
- 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 customer can easily make the payment described in the payment slip by making a payment with the electronic money stored in the payment terminal.
- 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.
- 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.
- 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.
- the user When the user receives the slip 4, the user captures the 2D code 5 by the digital camera function of the mobile phone 7.
- 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.
- the electronic money server 2 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.
- 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.
- 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.
- URLs Uniform Resource Locators
- a subject 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.
- CCD Charge-Coupled Device
- 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.
- 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.
- 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.
- 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.
- 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.
- the electronic money business operator 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.
- a payment procedure performed in the payment system 1 will be described with reference to the numbers shown in parentheses in the figure.
- a user orders a product from a store.
- 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.
- 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.
- the sales management server 3 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.
- 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.
- 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.
- 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.
- 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.
- the mobile phone 7 analyzes the image data obtained by photographing the two-dimensional code 5, and recognizes the URL and order information.
- the mobile phone 7 accesses the confirmation site of the electronic money server 2 using the recognized URL.
- the electronic money server 2 transmits confirmation screen data for confirming payment details to the mobile phone 7.
- a parameter corresponding to the order ID is attached to the URL, so that the electronic money server 2 identifies the order. can do.
- 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.
- the mobile phone 7 sends the order information recognized from the 2D code 5 to the order information email.
- the electronic money server 2 receives the order information recognized from the 2D code 5 to the order information email.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- CPU Central Processing Unit
- 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.
- 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.
- 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.
- 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.
- 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.
- 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.
- OS Operating System
- 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.
- 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
- 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”.
- Distribution 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.
- Distributiontor ID is the distributor ID of the distributor of the sales management server 3 that has transmitted the order information.
- 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.
- 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.
- a payment agency such as a financial institution or a convenience store
- URL 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.
- 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.
- 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.
- the two-dimensional code is used as the target for embedding the order information and URL.
- the present invention is not limited to this.
- image information that can recognize the contents embedded in the mobile phone 7 such as a barcode. If it is.
- FIG. 7 is a diagram showing a confirmation screen displayed by the mobile phone 7 using the confirmation screen data.
- a payment destination 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.
- 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.
- 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.
- a payment start button and a payment stop button are displayed as shown in Fig. 8 (b).
- the cellular phone 7 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.
- 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.
- an execution button and a cancel button are displayed on the settlement screen.
- the mobile phone 7 sends a settlement execution request to the electronic money. Send to server 2 for settlement.
- the mobile phone 7 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.
- 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.
- 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.
- the sales management server 3 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).
- the electronic money server 2 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.
- 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).
- 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).
- 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.
- the 2D code 5 printed on the slip 4 is photographed by the digital camera function of the mobile phone 7 (step 30).
- the mobile phone 7 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).
- 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).
- the electronic money server 2 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).
- 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.
- 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.
- the electronic money server 2 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).
- the mobile phone 7 receives the settlement start mail from the electronic money server 2 and displays it on the display.
- the mobile phone 7 transmits a settlement request to the electronic money server 2.
- 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.
- 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.
- the electronic money server 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.
- 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).
- 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.
- 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.
- 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.
- the electronic money server 2 and the electronic money card can communicate with each other via the reader / writer.
- the user selects whether to pay with the mobile phone 7 or settle with an electronic money card.
- 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.
- 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.
- 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.
- the force described in the present embodiment can provide the following effects.
- 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.
- 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.
- 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.
- FIG. 12 is a diagram for explaining a modification of the present embodiment.
- the electronic money server 2 is divided into a confirmation server 101 and a settlement execution server 102.
- 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.
- the sales management server 3 includes a store database and a payment agent database
- the payment execution server 102 includes a user information database and a transaction information database.
- 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).
- the settlement execution server 102 transmits a completion notification to the confirmation server 101 as shown in (b) in the figure.
- 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.
- 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.
- the store receives an order from the user and registers the order information in the sales management server 3. To do.
- 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. .
- the order information and the URL to the payment site of the electronic money server 2 are embedded.
- the mobile phone 7 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.
- 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.
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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
明 細 書 Specification
決済システム、決済端末、及び決済方法 Payment system, payment terminal, and payment method
技術分野 Technical field
[0001] 本発明は、決済システム、決済端末、及び決済方法に関し、例えば、電子マネーに より決済を行うものに関する。 [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.
背景技術 Background art
[0002] 近年、宅配サービスの普及により、商品が顧客の元に直接届けられる機会が増え てきた。このような商品の代金支払い方法として、商品に添付された支払伝票を用い るものがある。 [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.
顧客は、商品を受け取ると、支払伝票を銀行などの金融機関や、支払代行を行うコ ンビ-エンスストアなどに持参し、商品の支払を行う。 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.
また、代金前払いの場合は、支払伝票を用いて支払を行った後、商品が顧客に届 けられる。 In the case of prepayment, the product is delivered to the customer after making payment using the payment slip.
このような支払伝票に関する技術として、次の「配達伝票」がある。 As a technique relating to such a payment slip, there is the following “delivery slip”.
特許文献 1 :特開 2001— 253185公報 Patent Document 1: Japanese Patent Laid-Open No. 2001-253185
[0003] この技術は、配達伝票に設けた袋部に支払伝票を格納することにより、配達伝票と 共に支払伝票を、その内容が判読できない態様で物品の包装や梱包に添付するも のである。 [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.
発明の開示 Disclosure of the invention
発明が解決しょうとする課題 Problems to be solved by the invention
[0004] しかし、顧客は、支払伝票を金融機関などに持参して現金で支払を行う必要があり[0004] However, customers need to bring payment slips to financial institutions and make payments in cash.
、大きな負担となっていた。 It was a big burden.
[0005] そこで、本発明の目的は、顧客が支払伝票に記載された支払を容易に行えるように することである。 [0005] Therefore, an object of the present invention is to enable a customer to easily make payment described in a payment slip.
課題を解決するための手段 Means for solving the problem
[0006] 本発明は、前記目的を達成するために、請求項 1に記載の発明では、貨幣価値の 金額を電子データとして記憶し、金額変更情報を用いて前記記憶した貨幣価値の金
額を減額する決済端末と、商品と、当該商品の販売事業者と、当該商品の購入に係 る決済金額と、を特定する注文情報と、前記注文情報の送信先であるサーバへの接 続情報と、が埋め込まれた画像情報を生成し、前記注文情報を用いて決済端末が記 憶した貨幣価値を減額する金額変更情報を生成する販売システムと、を用いて構成 された決済システムであって、前記決済端末は、前記画像情報に埋め込まれた注文 情報と接続情報を認識し、当該接続情報を用いて前記販売システムに接続した後、 当該注文情報を前記販売システムに送信し、前記販売システムは、前記送信された 注文情報を用いて金額変更情報を生成して前記決済端末に送信し、前記決済端末 は、前記送信された金額変更情報を用いて前記記憶した貨幣価値の金額を減額す ることにより前記商品の購入代金を決済することを特徴とする決済システム。 [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.
請求項 2に記載の発明では、前記販売システムは、前記端末決済と、貨幣価値の 金額を電子データとして記憶し、金額変更情報を用いて前記記憶した貨幣価値の金 額を減額する第 2の決済端末と、の何れか一方の選択を受け付ける選択受付手段を 備え、前記選択手段で選択された決済端末に前記生成した金額変更情報を送信す ることを特徴とする請求項 1に記載の決済システムを提供する。 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.
請求項 3に記載の発明では、貨幣価値の金額を電子データとして記憶する金額記 憶手段と、商品と、当該商品の販売事業者と、当該商品の購入に係る決済金額と、 を特定する注文情報と、前記注文情報の送信先であるサーバへの接続情報と、が埋 め込まれた画像情報を取得する画像取得手段と、前記取得した画像情報から前記 注文情報と前記接続情報を認識する認識手段と、前記認識した接続情報を用いて サーバに接続するサーバ接続手段と、前記接続したサーバに、前記認識した注文情 報を送信する注文情報送信手段と、前記送信した注文情報に対して生成された金 額変更情報を受信する金額変更情報受信手段と、前記受信した金額変更情報を用 いて前記記憶した金額を減額することにより前記商品の購入代金を決済する決済手 段と、を具備したことを特徴とする決済端末を提供する。 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.
請求項 4に記載の発明では、前記金額変更情報受信手段は、前記サーバから前 記金額変更情報を受信することを特徴とする請求項 3に記載の決済端末を提供する
請求項 5に記載の発明では、前記金額変更情報受信手段は、前記サーバから決 済処理の依頼を受けた決済サーバから前記金額変更情報を受信することを特徴とす る請求項 3に記載の決済端末を提供する。 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.
請求項 6に記載の発明では、貨幣価値の金額を電子データとして記憶する金額記 憶手段と、画像取得手段と、認識手段と、サーバ接続手段と、注文情報送信手段と、 金額変更情報受信手段と、決済手段と、を備えた決済端末において、前記画像取得 手段によって、商品と、当該商品の販売事業者と、当該商品の購入に係る決済金額 と、を特定する注文情報と、前記注文情報の送信先であるサーバへの接続情報と、 が埋め込まれた画像情報を取得する画像取得ステップと、前記認識手段によって、 前記取得した画像情報から前記注文情報と前記接続情報を認識する認識ステップと 、前記サーバ接続手段によって、前記認識した接続情報を用いてサーバに接続する サーバ接続ステップと、前記注文情報送信手段によって、前記接続したサーバに、 前記抽出した注文情報を送信する注文情報送信ステップと、前記金額変更情報受 信手段によって、前記送信した注文情報に対して生成された金額変更情報を受信 する金額変更情報受信ステップと、前記決済手段によって、前記受信した金額変更 情報を用いて前記記憶した金額を減額することにより前記商品の購入代金を決済す る決済ステップと、から構成された決済方法。 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.
発明の効果 The invention's effect
[0007] 本発明によれば、決済端末に記憶された電子マネーで決済を行うことにより、顧客 は支払伝票に記載された支払を容易に行うことができる。 図面の簡単な説明 [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
[0008] [図 1]本実施の形態に係る決済システムの構成を示した図である。 FIG. 1 is a diagram showing a configuration of a payment system according to the present embodiment.
[図 2]携帯電話の機能的な構成を示した図である。 FIG. 2 is a diagram showing a functional configuration of a mobile phone.
[図 3]電子マネーサーバのハードウェア的な構成の一例を示した図である。 FIG. 3 is a diagram showing an example of a hardware configuration of an electronic money server.
[図 4]データベースを説明するための図である。 FIG. 4 is a diagram for explaining a database.
[図 5]データベースを説明するための図である。 FIG. 5 is a diagram for explaining a database.
[図 6]伝票の外観を説明するための図である。 FIG. 6 is a diagram for explaining the appearance of a voucher.
[図 7]確認画面を示した図である。
[図 8]決済メールを表示したところを示した図である。 FIG. 7 shows a confirmation screen. [FIG. 8] A view showing a place where a settlement mail is displayed.
[図 9]決済画面を示した図である。 [FIG. 9] A diagram showing a settlement screen.
[図 10]伝票を発行するまでの手順を説明するためのフローチャートである。 FIG. 10 is a flowchart for explaining a procedure until a slip is issued.
[図 11]決済を行うまでの手順を説明するためのフローチャートである。 FIG. 11 is a flowchart for explaining a procedure until payment is made.
[図 12]変形例 1を説明するための図である。 FIG. 12 is a diagram for explaining a first modification.
[図 13]変形例 2を説明するための図である。 FIG. 13 is a diagram for explaining a second modification.
符号の説明 Explanation of symbols
[0009] 1 決済システム [0009] 1 Settlement system
2 電子マネーサーバ 2 Electronic money server
3 販売管理サーバ 3 Sales management server
4 伝票 4 slips
5 2次元コード 5 2D code
6 携帯電話 6 Mobile phone
発明を実施するための最良の形態 BEST MODE FOR CARRYING OUT THE INVENTION
[0010] (1)実施の形態の概要 [0010] (1) Outline of Embodiment
本実施の形態は、貨幣価値の金額をバリューと呼ばれる電子データによって記憶し た携帯電話 7において、商品代金分のノ《リューを減額することにより決済を行うもので ある。 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.
まず、販売管理サーバ 3は、ユーザ (顧客)から注文を受けると、注文情報を電子マ ネーサーバ 2に送信する。電子マネーサーバ 2は、販売店 iD、商品 、金額など、 決済に必要な情報を特定する注文情報と、電子マネーサーバ 2に接続するための U RLを埋め込んだ 2次元コードを生成し、販売管理サーバ 3に送信する。 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.
販売管理サーバ 3は、伝票 4に電子マネーサーバ 2から送られた 2次元コード 5 (画 像情報)を伝票 4に印刷する。伝票 4は、商品と共にユーザに配達される。 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.
[0011] ユーザは、伝票 4を受領すると、携帯電話 7のデジタル式カメラ機能によって、 2次 元コード 5を撮影する。 When the user receives the slip 4, the user captures the 2D code 5 by the digital camera function of the mobile phone 7.
携帯電話 7は、 2次元コード 5の画像データを取得すると、これを解析して注文情報 と URLを認識する。そして、当該 URLを用いて電子マネーサーバ 2に接続し、注文
情報を送信する。 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] 電子マネーサーバ 2は、携帯電話 7から注文情報を受信すると、これを販売管理サ ーバ 3から受信した注文情報を用いて確認し、商品の金額分だけバリューを減額す る金額変更情報を生成して携帯電話 7に送信する。 [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.
携帯電話 7は、電子マネーサーバ 2から金額変更情報を受信し、これを用いて記憶 しているバリューを商品の金額分だけ減額して決済を行う。 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.
電子マネーサーバ 2は、携帯電話 7での決済が完了すると、完了通知を販売管理 サーバ 3に送信する。 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] 電子マネーサーバ 2の事業者は、携帯電話 7にバリューを記憶させる際に、ノリュ 一に相当する現金をユーザ力 受け取っており、これによつてバリューと現金との対 応がとられている。そのため、ユーザは、予め電子マネーサーバ 2の事業者にバリュ 一と引き替えに預けてぉ 、た現金によって決済を行つたことになる。 [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.
このように、本実施の形態によると、ユーザは、伝票 4の 2次元コード 5を携帯電話 7 で撮影することにより、その場で伝票 4の決済を行うことができる。 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)実施の形態の詳細 [0014] (2) Details of the embodiment
図 1は、本実施の形態に係る決済システムの構成を示した図である。 FIG. 1 is a diagram showing the configuration of the payment system according to the present embodiment.
決済システム 1は、携帯電話 7、電子マネーサーバ 2、販売管理サーバ 3、伝票 4に 印刷された 2次元コード 5など力も構成されている。 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.
携帯電話 7は、通話機能のほか、ネットワーク接続機能、デジタル式カメラ機能、 2 次元コード解析機能、電子マネー機能などを備えた携帯端末である。 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.
ネットワーク機能では、 URL (Uniform Resource Locators)を用いてサーバに アクセスするほか、電子メールの送受信を行うことができる。 In the network function, URLs (Uniform Resource Locators) can be used to access the server and send and receive e-mail.
デジタル式カメラ機能では、光学系により被写体を CCD (Charge— Coupled De vice)などで構成された受光面に結像し、当該結像された投影像を画像データに変 換することができる。 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] 2次元コード解析機能では、デジタル式カメラ機能で撮影された 2次元コードの画 像データを解析し、当該 2次元コードに埋め込まれている情報を認識することができ る。
電子マネー機能では、バリューと呼ばれる貨幣価値の金額を記憶装置に記憶し、 外部から入力される金額変更情報によって、ノリューの値を変更することができる。 金額変更情報には、加減の別と金額が含まれており、携帯電話 7は、記憶している ノリューの金額を、金額変更情報で指定された金額だけバリューの値を加算、又は 減算された値に更新する。 [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.
決済システム 1において、ノ リューは現金の代用として用いられ、携帯電話 7のユー ザ (以下、単にユーザと記す)は、携帯電話 7のバリューを減額することにより各種決 済を行うことができる。 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.
なお、バリューを加算する場合はチャージと呼ばれる。 In addition, when adding a value, it is called charge.
[0016] 電子マネーサーバ 2 (決済システム)は、電子マネー事業者が運営するサーバ装置 であって、携帯電話 7に対して金額変更情報を送信し、携帯電話 7に記憶されたバリ ユーの値を加減することができる。 [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.
販売管理サーバ 3は、販売店が運営するサーバ装置であり、商品の販売を管理す る。 The sales management server 3 is a server device operated by a dealer, and manages the sale of products.
伝票 4は、販売店がユーザに商品の代金を請求する支払伝票であって、請求内容 が印刷されているほか、携帯電話 7のバリューで決済を行うための 2次元コード 5が印 刷されている。 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] ノリューと現金の対応付けは次のように行われる。 [0017] The association between Norrie and cash is performed as follows.
電子マネー事業者は、まず、ユーザから現金を受け取って、携帯電話 7に同額のバ リューをチャージする。ユーザは、バリューのチャージと引き替えに現金を電子マネー 事業者に預けた形となる。 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.
そして、ユーザ力 Sバリューで決済を行う場合、電子マネー事業者は、携帯電話 7の バリューを決済金額分だけ減額し、ユーザカも預力つている現金のうち、決済金額分 を決済先の販売店に送金する。 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.
このように、電子マネー事業者は、現金と引き替えにバリューを発行することにより、 ノリューに貨幣価値を付与し、これを現金の代用として流通させることができる。 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.
[0018] 次に、図中の括弧で示した番号を参照しながら決済システム 1で行われる決済手順 について説明する。
まず、ユーザは、販売店に商品を注文する。その際、ユーザは、購入する商品と個 数を指定すると共に、氏名、住所、電話番号などの個人情報や、伝票 4や商品の送 付先を販売店に提供する。販売店はこれらの情報を入手するとこれに注文を特定す る Iひ f青報である注文 IDを付与し、販売データベースに記憶して注文を販売管理サ ーバ 3に登録する。 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.
この登録は、携帯電話 7から販売管理サーバ 3の販売サイトにアクセスしてオンライ ンで行ってもよいし、あるいは、郵便や電話などで行って、販売店の担当者が手動で 販売管理サーバ 3に入力してもよい。 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.
[0019] (1)販売管理サーバ 3は、ユーザから注文を登録すると、注文情報を電子マネーサ ーバ 2に送信する。 (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.
注文情報に含まれる情報は、決済に要する商取引内容を特定できるものであれば よぐ例えば、販売店を特定する HD情報である販売店 IDや、販売店が注文に付与し た注文 ID、商品を特定する情報である商品 ID、個数、決済する金額などから成る。 電子マネーサーバ 2は、販売管理サーバ 3から注文情報を受信すると、これを後述 の決済代行データベースに登録する。 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)電子マネーサーバ 2は、注文情報と、電子マネーサーバ 2の確認サイト(ユーザ に注文を確認するウェブサイト)にアクセスするための URL (Uniform Resource Locators)が埋め込まれた 2次元コードを生成し、販売管理サーバ 3に送信する。[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)販売管理サーバ 3は、電子マネーサーバ 2から 2次元コードを受信し、これを請求 内容と共に伝票用紙に印刷して伝票 4を作成する。そして、販売店は、伝票 4を商品 と共にユーザに送付する。 (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)ユーザは商品と伝票 4を受け取ると、 2次元コード 5を携帯電話 7で撮影する。そ して、携帯電話 7は、 2次元コード 5を撮影した画像データを解析し、 URLや注文情 報を認識する。 (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)携帯電話 7は、認識した URLを用いて電子マネーサーバ 2の確認サイトにァクセ スする。電子マネーサーバ 2は、携帯電話 7からアクセスを受けると、支払内容を確認 するための確認画面データを携帯電話 7に送信する。 URLには、例えば、注文 IDと 対応したパラメータが付随しており、これによつて電子マネーサーバ 2は、注文を識別
することができる。 (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.
[0021] (6)携帯電話 7は、電子マネーサーバ 2から確認画面データを受信してこれを用いて 確認画面をディスプレイに表示する。 (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.
確認画面は、メール送信ボタンを有しており、ユーザが確認画面で注文内容を確 認した後、このボタンを選択すると、携帯電話 7は、 2次元コード 5から認識した注文 情報を注文情報メールにて電子マネーサーバ 2に送信する。 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)電子マネーサーバ 2は、携帯電話 7から注文情報メールを受信する。この際に、 電子マネーサーバ 2は、携帯電話 7の電子メールアドレスを取得する。 (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.
そして、電子マネーサーバ 2は、この電子メールアドレスを用いて、決済開始をユー ザに行わせるための決済開始メールを携帯電話 7に送信する。 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)ユーザが携帯電話 7で決済開始メールを閲覧する。決済開始メールは、決済開 始ボタンを有しており、ユーザが決済開始ボタンを押下すると、バリューで決済を行う ためのアプリケーションが起動する。 [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.
そして、このアプリケーションを用いて携帯電話 7と電子マネーサーバ 2の間で通信 が行われ、電子マネーサーバ 2は携帯電話 7に決済金額分のバリューを減額する金 額変更情報を送信し、一方、携帯電話 7は、この金額変更情報を用いて自己が記憶 して 、るバリューの金額を決済金額分だけ減額する。このようにして携帯電話 7にて 決済が行われる。 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)電子マネーサーバ 2は、携帯電話 7で決済が実行されると、決済が完了した旨の 完了通知を販売管理サーバ 3に送信する。 (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.
販売管理サーバ 3は、電子マネーサーバ 2から完了通知を受信し、ユーザに対する 決済処理が完了したことを認識する。 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] 以上のように、決済システム 1では、携帯電話 7が 2次元コード 5の認識と決済を行う ことができる。これによつて、ユーザは、伝票 4を金融機関などに持参して代金を払い 込む必要が無くなり、ユーザの利便性が向上する。 [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.
なお、図 1では、販売管理サーバ 3と携帯電話 7が 1台ずつ示されているが、これら は複数存在することができる。そして、電子マネーサーバ 2は、販売管理サーバ 3を 販売店 IDにより識別し、携帯電話 7を後述の電子マネー機能部 IDにより識別してい
る。 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
[0024] 図 2は、携帯電話 7の機能的な構成を示した図である。 FIG. 2 is a diagram showing a functional configuration of the mobile phone 7.
電話機能部 10と電子マネー機能部 12は、それぞれ CPU (Central Processing Unit)を備えており、これらの CPUで所定のプログラムを実行することにより、電話 機能部 10ではアプリケーション部 26、電子マネー機能部 12では、バリュー処理部 2 8が構成される。 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.
なお、図示しないが、携帯電話 7は、光学系を駆動する機構を有するデジタル式力 メラ機能部も備えており、被写体の画像データを取得することができる (画像取得手 段)。 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).
[0025] アプリケーション部 26は、携帯電話 7で各種のアプリケーションを提供する機能部 である。アプリケーション部 26が提供する機能としては、 2次元コードを解析して 2次 元コードに埋め込まれて 、る情報を認識する機能 (認識手段)、 URLを用いてサー バに接続する機能 (サーバ接続手段)、電子メールの送受信機能、インターフェース 部 11を介して電子マネー機能部 12にアクセスする機能などを有して 、る。 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.
[0026] 一方、電子マネー機能部 12の記憶部 29 (金額記憶手段)は、バリューの金額や口 グデータなどを記憶する記憶装置である。 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.
ノリュー処理部 28は、金額変更情報を用いて記憶部 29に記憶されているノリュー の金額を加減する機能部である (決済手段)。 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).
ノリュー処理部 28は、アプリケーション部 26を介して電子マネーサーバ 2から送信 されてくる金額変更情報を用いて記憶部 29のノリューを加減するほか、店舗などに 備えられた電子マネー端末 8のリーダライタ部力 近距離無線によって送信されてく る金額変更情報によって記憶部 29のノリューを加減することも可能である。 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.
[0027] 図 3は、電子マネーサーバ 2のハードウェア的な構成の一例を示した図である。 FIG. 3 is a diagram illustrating an example of a hardware configuration of the electronic money server 2.
電子マネーサーバ 2は、 CPU31、 ROM32、 RAM33、通信制御部 34、記憶部 35 、プログラム格納部 37、データ格納部 38などがバスライン 36で接続されている。 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] CPU31は、 ROM32や記憶部 35に記憶されたプログラムに従って各種の情報処 理を行 、、販売管理サーバ 3と通信して注文情報を受け付けて決済を代行する機能 、携帯電話 7と通信して携帯電話 7のバリューを減額する機能などを実現する。
ROM32は、プログラムやデータなどを記憶した読み取り専用の記憶装置である。 RAM33は、 CPU31が各種の情報処理や制御を行う際のワーキングエリアを提供 する。 [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.
通信制御部 34は、販売管理サーバ 3や携帯電話 7と通信を行う際のインターフ ー スとして機能する。 The communication control unit 34 functions as an interface for communicating with the sales management server 3 and the mobile phone 7.
[0029] 記憶部 35は、例えば、半導体記憶装置やハードディスク装置などの記憶装置や、 これらの組み合わせによって構成されて!、る。 [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.
記憶部 35には、プログラムを記憶するプログラム格納部 37とデータを格納するデ ータ格納部 38が形成されて 、る。 The storage unit 35 includes a program storage unit 37 that stores programs and a data storage unit 38 that stores data.
[0030] プログラム格納部 37には、 CPU31が先に説明した各機能を発揮するためのプログ ラムや、 CPU31を動作させるための基本的なプログラムである OS (Operating Sy stem)などが記憶されて 、る。 [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
データ格納部 38には、後述のユーザデータベース、取引情報データベース、販売 店情報データベース、決済代行データベースなどの各種のデータベースが格納され ている。 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.
[0031] 図 4 (a)は、ユーザデータベースの論理的な構成を示した図である。 FIG. 4 (a) is a diagram showing a logical configuration of the user database.
ユーザデータベースは、「電子マネー機能部 ID」、「ユーザ名」、「パスワード」、その 他の項目力 構成されて 、る。 The user database consists of “electronic money function part ID”, “user name”, “password”, and other items.
「電子マネー機能部 ID」は、携帯電話 7の電子マネー機能部 12に固有な 情報で あり、電子マネーサーバ 2は、電子マネー機能部 12から読み取った電子マネー機能 部 IDとユーザデータベースに記憶されている電子マネー機能部 IDを照合することに より携帯電話 7を特定することができる。 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.
「ユーザ名」は、ユーザの氏名である。 “User name” is the name of the user.
「パスワード」は、ユーザ認証を行うためのパスワードである。パスワード確認により、 電子マネーサーバ 2は、ユーザ以外の者が携帯電話 7を操作して決済することを防ぐ ことができる。 “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.
[0032] 図 4 (b)は、取引情報データベースの論理的な構成を示した図である。 FIG. 4 (b) is a diagram showing a logical configuration of the transaction information database.
取引情報データベースは、携帯電話 7でのバリューのチャージと決済の履歴を記録
するもである。取引データベースには、電子マネーサーバ 2との通信で行ったバリュ 一のチャージと決済のほか、電子マネー端末 8で行ったバリューのチャージと決済も 記録される。 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.
[0033] 取引情報データベースは、「電子マネー機能部 ID」、「チャージ」、「決済」などの項 目カゝら構成されている。 The transaction information database includes items such as “electronic money function unit ID”, “charge”, “settlement”, and the like.
「電子マネー機能部 ID」は、電子マネー機能部 12の 情報である。 The “electronic money function unit ID” is information of the electronic money function unit 12.
「チャージ」は、電子マネー機能部 12でチャージを行った際の記録である。「チヤ一 ジ」は、「端末 ID」、「日時」、「バリュー」などの項目を有して ヽる。 “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”.
「端末 ID」は、チャージを行った電子マネー端末 8の IDである。電子マネーサーバ 2からチャージを行った場合は、端末 IDとして電子マネーサーバ 2の IDが記録される “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
「日時」、「バリュー」は、それぞれチャージを行った日時とチャージした金額である。 「決済」も同様な項目を有しており、決済を行った端末 ID、日時、金額が記録される “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.
[0034] 図 5 (a)は、販売店情報データベースの論理的な構成の一例を示した図である。 FIG. 5 (a) is a diagram showing an example of a logical configuration of the store information database.
電子マネーサーバ 2は、決済代行を請け負う販売店を予め販売店情報データべ一 スに登録している。 The electronic money server 2 registers in advance the dealer who undertakes the payment agent in the dealer information database.
販売店情報データベースは、「販売店 ID」、「名称」、「接続情報」などの項目から構 成されている。 The store information database consists of items such as “store ID”, “name”, and “connection information”.
「販売店 ID」は、決済代行を請け負った販売店の HD情報である。「名称」、「接続情 報」は、それぞれ販売店の名称と、当該販売店の販売管理サーバ 3にアクセスするた めの接続情報である。 “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.
電子マネーサーバ 2は、販売店 IDを販売店情報データベースで照合することにより 販売店を特定することができ、その接続情報を用いて当該販売店の販売管理サーバ 3にアクセスすることができる。 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.
[0035] 図 5 (b)は、決済代行データベースの論理的な構成の一例を示した図である。 FIG. 5 (b) is a diagram showing an example of a logical configuration of the settlement proxy database.
電子マネーサーバ 2は、決済代行データベースに注文情報を登録し、個々の注文 の決済を管理する。
決済代行データベースは、「販売店 」、「注文 ID」、「金額」、「決済情報」その他 の項目カゝら構成されている。 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.
電子マネーサーバ 2は、販売管理サーバ 3から送信されてきた注文情報を決済代 行データベースに登録する。 The electronic money server 2 registers the order information transmitted from the sales management server 3 in the payment proxy database.
「販売店 ID」は、注文情報を送信してきた販売管理サーバ 3の販売店の販売店 ID である。 “Distributor ID” is the distributor ID of the distributor of the sales management server 3 that has transmitted the order information.
[0036] 「注文 ID」は、販売店が注文に対して付与した Iひ f青報である。電子マネーサーバ 2 は、販売店 IDと注文 IDにより注文を特定することができ、販売店は、注文 IDにより注 文を特定することができる。 [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.
「金額」は、決済金額である。 “Amount” is a settlement amount.
「決済状況」は、当該注文に対して携帯電話 7での決済が完了した力否かを判別す る判別情報である。電子マネーサーバ 2は、注文情報の登録時は「決済状況」を「未」 とし、決済が完了すると「済」とする。 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.
このほか、決済情報データベースには、商品 IDや個数なども記録される。 In addition, the product information and the number of items are recorded in the payment information database.
[0037] 図 6 (a)は、伝票 4の外観を示した図である。 FIG. 6 (a) is a diagram showing the appearance of the slip 4.
伝票 4は、通常の支払伝票に新たに 2次元コード印刷部 41を設けたものである。 2 次元コード印刷部 41には、電子マネー支払いに関する説明と、電子マネーサーバ 2 が生成した 2次元コード 5が印刷されている。 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.
ユーザは、伝票 4を金融機関やコンビ-エンスストアなどの決済代行業者などに持 参し、従来と同様にして決済を行うこともできるし、 2次元コード 5を携帯電話 7で撮影 してノリューによって決済を行うこともできる。 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.
図 6 (b)に示したように、 2次元コード 5には、 URL、販売店 ID、注文 ID、金額、その 他の情報が埋め込まれており、携帯電話 7は、これを撮影した画像データからこれら の情報を認識することができる。 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] なお、本実施の形態では、 2次元コード 5は、伝票 4の一部として形成されているが 、別紙として従来の支払伝票に添付してもよい。 [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.
また、販売管理サーバ 3がユーザのパーソナルコンピュータなどに 2次元コード 5の 画像を送信し、ユーザがディスプレイ上に表示された 2次元コード 5を携帯電話 7で撮
影するよう〖こ構成することちでさる。 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.
更に、本実施の形態では、注文情報や URLを埋め込む対象として 2次元コードを 用いたが、これに限定するものではなぐ例えばバーコードなど、携帯電話 7が埋め 込まれた内容を認識できる画像情報であればよい。 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] 図 7は、携帯電話 7が確認画面データを用いて表示した確認画面を示した図である 確認画面では、支払先、支払金額、不明な点があった場合の問い合わせ先である 連絡先電話番号、決済方式などが表示されると共に、メール送信ボタンも表示される ユーザが携帯電話 7を操作してメール送信ボタンを押下すると、携帯電話 7は電子 マネーサーバ 2に注文情報メールを送信する。 [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.
[0040] 図 8 (a)は、携帯電話 7のディスプレイに表示された決済開始メールを示した図であ る。 FIG. 8 (a) is a diagram showing a payment start mail displayed on the display of the mobile phone 7.
決済開始メールには、決済開始メールの送信日時、販売店、決済金額、注文 ID、 商品名、及び決済期限などが表示される。 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.
決済開始メールをスクロールすると、図 8 (b)に示したように、決済開始ボタン、決済 中止ボタンが表示される。 When the payment start mail is scrolled, a payment start button and a payment stop button are displayed as shown in Fig. 8 (b).
ユーザが携帯電話 7を操作して決済開始ボタンを押下すると、携帯電話 7は、電子 マネーサーバ 2に決済開始要求を送信し、携帯電話 7が電子マネーサーバ 2の決済 サイトに接続される。 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.
一方、決済中止ボタンを押下すると、携帯電話 7は、電子マネーサーバ 2に決済中 止要求を送信し、決済が中止される。 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.
[0041] 図 9 (a)は、携帯電話 7が電子マネーサーノ 2の決済サイトに接続した場合に携帯 電話 7のディスプレイに表示される決済画面を示した図である。 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.
決済画面には、支払金額、支払前に携帯電話 7が記憶しているバリュー残高、及び 支払後に携帯電話 7が記憶するバリュー残高が表示される。 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.
更に、決済画面には、実行ボタンと中止ボタンが表示されている。ユーザが携帯電 話 7を操作して実行ボタンを押下すると、携帯電話 7は決済実行要求を電子マネー
サーバ 2に送信し、決済が実行される。 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.
中止ボタンを押下すると、携帯電話 7は決済中止要求を電子マネーサーバ 2に送 信し、決済が中止される。 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.
[0042] 図 9 (b)は、決済が完了した場合に、携帯電話 7のディスプレイに表示される決済完 了画面を示した図である。 FIG. 9 (b) is a diagram showing a payment completion screen displayed on the display of the mobile phone 7 when payment is completed.
決済完了画面には、決済が完了した旨のメッセージと、決済日時、販売店、決済金 額、注文 IDなどが表示される。 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.
ユーザは、これらの表示内容により、決済が完了したことを認識することができる。 The user can recognize that the settlement has been completed based on these display contents.
[0043] 図 10は、販売店が、ユーザから注文を受け付けて、伝票 4を送付するまでの処理 手順を説明するためのフローチャートである。 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.
まず、販売管理サーバ 3は、ユーザから商品の注文を受け、これを販売管理データ ベースに入力する。これは、ユーザの端末装置力もオンラインにて販売管理サーバ 3 に直接入力してもよいし、あるいは、販売店の担当者がユーザ力も注文を受けて手 動で行ってもよい。 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] 販売管理サーバ 3は、ユーザ力 注文を受け付けると、これに注文 IDを付与して販 売管理データベースに格納し、更に、注文情報を電子マネーサーバ 2に送信する (ス テツプ 5)。 [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).
電子マネーサーバ 2は、販売管理サーバ 3から注文情報を受信すると、これを決済 代行データベースに記憶して登録する。 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.
そして、電子マネーサーバ 2は、登録した注文情報を用いて 2次元コード 5を生成し 、販売管理サーバ 3に送信する (ステップ 15)。 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] 販売管理サーバ 3は、電子マネーサーバ 2から 2次元コード 5を受信して、記憶装置 に記憶する (ステップ 20)。 [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).
次に、販売管理サーバ 3は、記憶した 2次元コード 5をプリンタなどの印刷装置を用 いて伝票 4に印刷し、出力する (ステップ 25)。 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).
販売店の担当者は商品と共に印刷した伝票 4をユーザに送付する。 The person in charge at the store sends the slip 4 printed with the product to the user.
[0046] 図 11は、ユーザが伝票 4を受領して力 携帯電話 7での決済を完了するまでの処 理手順を説明するためのフローチャートである。
ユーザは、伝票 4を受領すると、伝票 4に印刷された 2次元コード 5を携帯電話 7の デジタル式カメラ機能によって撮影する (ステップ 30)。 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).
携帯電話 7は、 2次元コード 5を撮影すると、 2次元コード 5を撮影した画像データを 解析し、 2次元コード 5に埋め込まれている注文情報や URLを認識する (ステップ 35 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 ) o
[0047] 次に、携帯電話 7は、 2次元コード 5から認識した URLを用いて電子マネーサーバ 2の確認サイトにアクセスする (ステップ 40)。この際に、携帯電話 7は、認識した注文 I Dを電子マネーサーバ 2に送信する(注文情報送信手段)。 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).
電子マネーサーバ 2は、携帯電話 7からアクセスを受けると、注文 IDによって決済 代行データベースを検索し、当該注文に係る情報を取得する。そして、電子マネー サーバ 2は、これを用いて確認画面データを生成し、携帯電話 7に送信する (ステツ プ 45)。 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] 携帯電話 7は、電子マネーサーバ 2から確認画面データを受信し、これを用いてデ イスプレイに確認画面を表示する。 [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.
ユーザが携帯電話 7を操作して確認画面上のメール送信ボタンを押下すると、携帯 電話 7は、電子マネーサーバ 2に注文情報メールを送信する (ステップ 50)。注文情 報メールには、携帯電話 7が 2次元コード 5から認識した注文情報が含まれている。 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.
[0049] 電子マネーサーバ 2は、携帯電話 7から注文情報メールを受信し、注文情報と携帯 電話 7の電子メールアドレスを取得する。 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.
電子マネーサーバ 2は、携帯電話 7から受信した注文情報と、決済代行データべ一 スに登録してある注文情報を照合し、携帯電話 7が認識した注文情報が間違いない か確認する。 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.
確認を終えると、電子マネーサーバ 2は、決済開始メールを生成し、携帯電話 7の 電子メールアドレスに宛てて送信する(ステップ 55)。 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] 携帯電話 7は、電子マネーサーバ 2から決済開始メールを受信し、これをディスプレ ィに表示する。 [0050] The mobile phone 7 receives the settlement start mail from the electronic money server 2 and displays it on the display.
ユーザが決済開始メールにおいて決済実行ボタンを押下すると、携帯電話 7は、電 子マネーサーバ 2に対して決済要求を送信する。
電子マネーサーバ 2は、携帯電話 7から決済要求を受信すると、決済金額分だけバ リューを減額する金額変更情報を生成し、携帯電話 7に送信する。 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.
携帯電話 7は、電子マネーサーバ 2から金額変更情報を受信すると (金額変更情報 受信手段)、これを用いて記憶しているバリューの金額を減額し、減額が完了した旨 の通知を電子マネーサーバ 2に送信する。 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.
電子マネーサーバ 2は、携帯電話 7から減額が完了した旨の通知を受けると、決済 代行データベースの「決済状況」を「済」に設定し、決済処理を完了する。 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.
更に、電子マネーサーバ 2は、取引情報データベースに当該決済を記録する。 以上の手順により、携帯電話 7と電子マネーサーバ 2の間で決済処理が行われる ( ステップ 60)。 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] 電子マネーサーバ 2は、決済処理を完了すると決済代行データベースに登録され て 、る販売店 IDによって販売店を特定する。 [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.
そして電子マネーサーバ 2は、当該販売店の販売管理サーバ 3に対して、注文 ID と、当該注文 IDに係る決済が完了した旨を通知する完了通知を送信する (ステップ 6 5)。 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).
販売管理サーバ 3は、電子マネーサーバ 2から完了通知を受信し (ステップ 70)、完 了通知に含まれる注文 IDで特定される注文の決済が完了したことを認識する。 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] 以上に本実施の形態について説明した力 これについて次のような構成を追加す ることち可會である。 [0052] The force described above with respect to the present embodiment can be easily added by adding the following configuration.
携帯電話 7の電子マネー機能部 12と同等の機能を有する ICチップをプラスチック カードに搭載した電子マネーカードが実用化されている。 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.
電子マネーカードは、ノリューの金額を記憶し、金額変更情報を用いて当該記憶し たバリューの金額を加減する第 2の決済端末として機能する。 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.
そして、ネットワークと接続したパーソナルコンピュータなどのユーザ端末に、電子 マネーカードと通信を行うリ一ダライタを接続すると、リ一ダライタを介して電子マネー サーバ 2と電子マネーカードが通信可能となる。 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.
そのため、金額変更情報を電子マネーサーバ 2から電子マネーカードに送信し、電 子マネーカードに記憶したバリューにより決済を行うことも可能となる。
[0053] そこで、携帯電話 7で決済する決済手段に加え、電子マネーカードで決済する選 択肢をユーザに与えると、ユーザの利便性を高めることができる。 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.
この場合、例えば、確認サイトで、携帯電話 7で決済するか、電子マネーカードで決 済するかの選択をユーザに行ってもらう。 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.
ユーザが携帯電話 7での決済を選択した場合、先に説明した実施の形態と同様に して決済を行う。 When the user selects payment using the mobile phone 7, payment is made in the same manner as in the embodiment described above.
この場合、電子マネーサーバ 2は、携帯電話 7 (決済端末)と電子マネーカード (第 2 の決済端末)の何れか一方の選択を受け付ける選択受付手段を備え、選択された決 済端末に金額変更情報を送信する。 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] 一方、ユーザが電子マネーカードでの決済を選択した場合、決済実行メールをュ 一ザ端末に送信する。なお、電子メールアドレスは、ユーザに入力してもらうなどする そして、ユーザはリーダライタに電子マネーカードを設置してから、ユーザ端末のデ イスプレイに表示された決済実行ボタンを押下する。 [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.
すると、ユーザ端末力 電子マネーサーバ 2に決済要求が送信され、電子マネーサ ーバ 2はこれに対して金額変更情報を生成してユーザ端末に送信する。 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.
ユーザ端末に送信された金額変更情報は、リーダライタを介して電子マネーカード に入力され、電子マネーカードは、これを用いてバリューの金額を決済金額分だけ減 額する。 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] 以上、本実施の形態について説明した力 これによつて次のような効果を得ることが できる。 [0055] As described above, the force described in the present embodiment can provide the following effects.
(1)伝票 4に印刷された 2次元コード 5を携帯電話 7で撮影することにより、携帯電話 7 において即座に決済を行うことができる。そのため、ユーザは、伝票 4を金融機関な どに持参して決済金額を振り込むなどの手間が省ける。 (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) 2次元コード 5に、 URLのほ力、取引情報を埋め込むことができる。 (2) URL information and transaction information can be embedded in the 2D code 5.
(3)販売店は、電子マネーサーバ 2に注文情報を登録し、これによつて発行された 2 次元コード 5を伝票 4に印刷するだけで、決済の代行を電子マネーサーバ 2に依頼す ることがでさる。
(4)バリューによる決済代行は、ネットワーク上で行われるため、決済代行を担当する 担当者を配置する必要が無ぐ人件費を節約することができる。 (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.
[0056] (変形例 1) 図 12は、本実施の形態の変形例を説明するための図である。 (Modification 1) FIG. 12 is a diagram for explaining a modification of the present embodiment.
本変形例は、電子マネーサーバ 2を、確認サーバ 101と決済実行サーバ 102に分 割したものである。 In this modification, the electronic money server 2 is divided into a confirmation server 101 and a settlement execution server 102.
確認サーバ 101は決済代行事業者が運用し、決済実行サーバ 102は電子マネー 事業者が運用するといつたように、業務の分担を行うことができる。 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] 確認サーバ 101は、販売管理サーバ 3は、販売店データベースと決済代行データ ベースを備え、決済実行サーバ 102は、ユーザ情報データベースと取引情報データ ベースを備える。 [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.
図 1の、(1)注文情報登録、(2) 2次元コードの生成、(9)完了通知の送信、(5)確 認サイト提供、及び (6)注文情報メールの受信は、確認サーバ 101が行い、(7)決済 実行メールの送信、及び (8)決済の実行は、決済実行サーバ 102が行う。 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.
[0058] より詳細な動作は次のようになる。 A more detailed operation is as follows.
確認サーバ 101は、図中の(a)に示したように、注文情報メールにより、注文情報と 携帯電話 7の電子メールアドレスを取得するとこれを決済実行サーバ 102に送信する 電子マネーサーバ 2は、確認サーバ 101から受信した電子メールアドレスに宛てて 決済開始メールを送信し(図中(7) )、確認サーバ 101から受信した注文情報に基づ いて決済を行う(図中(8) )。 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).
決済実行サーバ 102は、決済処理が完了すると、図中の(b)に示したように完了通 知を確認サーバ 101に送信する。確認サーバ 101は、電子マネーサーバ 2から完了 通知を受信すると、販売管理サーバ 3に完了通知を送信する。 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.
[0059] (変形例 2) 図 13は、変形例 2を説明するための図である。 (Modification 2) FIG. 13 is a diagram for explaining Modification 2.
電子マネーサーバ 2は、ユーザ情報データベース、取引情報データベース、及び販 売店データベースなどを有している。以下、図中の括弧で示した番号に従って説明 する。 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)まず、販売店は、ユーザから注文を受け、注文情報を販売管理サーバ 3に登録
する。 (1) First, the store receives an order from the user and registers the order information in the sales management server 3. To do.
(2)販売管理サーバ 3は、 2次元コード 5を生成する機能を有しており、販売店は、販 売管理サーバ 3が生成した 2次元コード 5を伝票 4に印刷してユーザに送付する。 (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. .
2次元コード 5には、注文情報と電子マネーサーバ 2の決済サイトへの URLが埋め 込まれている。 In the 2D code 5, the order information and the URL to the payment site of the electronic money server 2 are embedded.
(3)ユーザは、伝票 4を受領すると、 2次元コード 5を携帯電話 7で撮影する。携帯電 話 7は、 2次元コード 5の画像データから注文情報 (販売店 ID、注文 ID、商品名、決 済金額などを含む)と、 URLを認識する。 (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)携帯電話 7は、取引情報と URLを認識すると、当該 URLを用いて電子マネーサ ーバ 2の決済サイトに接続し、注文情報を送信する。 (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.
電子マネーサーバ 2は、注文情報から、販売店 、注文 、商品名、決済金額な どを認識し、当該決済金額を用いて携帯電話 7のバリューを減額することにより決済 処理を行う。 2次元コード 5に金額変更情報を埋め込んでおき、これによつてノリュー を減額することも可能である。 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)電子マネーサーバ 2は、決済が完了すると、販売店 IDで特定される販売管理サ ーバ 3に完了通知を送信し、注文 、決済金額などを通知する。
(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
[1] 貨幣価値の金額を電子データとして記憶し、金額変更情報を用いて前記記憶した 貨幣価値の金額を減額する決済端末と、 [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;
商品と、当該商品の販売事業者と、当該商品の購入に係る決済金額と、を特定す る注文情報と、前記注文情報の送信先であるサーバへの接続情報と、が埋め込まれ た画像情報を生成し、前記注文情報を用いて決済端末が記憶した貨幣価値を減額 する金額変更情報を生成する販売システムと、 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;
を用いて構成された決済システムであって、 A payment system configured using
前記決済端末は、前記画像情報に埋め込まれた注文情報と接続情報を認識し、当 該接続情報を用いて前記販売システムに接続した後、当該注文情報を前記販売シ ステムに送信し、 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.
前記販売システムは、前記送信された注文情報を用いて金額変更情報を生成して 前記決済端末に送信し、 The sales system generates money amount change information using the transmitted order information and transmits it to the payment terminal,
前記決済端末は、前記送信された金額変更情報を用いて前記記憶した貨幣価値 の金額を減額することにより前記商品の購入代金を決済する ことを特徴とする決済 システム。 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] 前記販売システムは、前記端末決済と、貨幣価値の金額を電子データとして記憶し [2] The sales system stores the terminal settlement and the monetary value as electronic data.
、金額変更情報を用いて前記記憶した貨幣価値の金額を減額する第 2の決済端末とA second settlement terminal for reducing the amount of the stored monetary value using the amount change information;
、の何れか一方の選択を受け付ける選択受付手段を備え、 A selection receiving means for receiving selection of either one of
前記選択手段で選択された決済端末に前記生成した金額変更情報を送信するこ とを特徴とする請求項 1に記載の決済システム。 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] 貨幣価値の金額を電子データとして記憶する金額記憶手段と、 [3] Amount storage means for storing the monetary value as electronic data;
商品と、当該商品の販売事業者と、当該商品の購入に係る決済金額と、を特定す る注文情報と、前記注文情報の送信先であるサーバへの接続情報と、が埋め込まれ た画像情報を取得する画像取得手段と、 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
前記取得した画像情報から前記注文情報と前記接続情報を認識する認識手段と、 前記認識した接続情報を用いてサーバに接続するサーバ接続手段と、 前記接続したサーバに、前記認識した注文情報を送信する注文情報送信手段と、
前記送信した注文情報に対して生成された金額変更情報を受信する金額変更情 報受信手段と、 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;
前記受信した金額変更情報を用いて前記記憶した金額を減額することにより前記 商品の購入代金を決済する決済手段と、 Settlement means for settlement of the purchase price of the product by reducing the stored amount using the received amount change information;
を具備したことを特徴とする決済端末。 A settlement terminal characterized by comprising:
[4] 前記金額変更情報受信手段は、前記サーバから前記金額変更情報を受信するこ とを特徴とする請求項 3に記載の決済端末。 4. The settlement terminal according to claim 3, wherein the amount change information receiving unit receives the amount change information from the server.
[5] 前記金額変更情報受信手段は、前記サーバから決済処理の依頼を受けた決済サ ーバから前記金額変更情報を受信することを特徴とする請求項 3に記載の決済端末 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] 貨幣価値の金額を電子データとして記憶する金額記憶手段と、画像取得手段と、 認識手段と、サーバ接続手段と、注文情報送信手段と、金額変更情報受信手段と、 決済手段と、を備えた決済端末において、 [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,
前記画像取得手段によって、商品と、当該商品の販売事業者と、当該商品の購入 に係る決済金額と、を特定する注文情報と、前記注文情報の送信先であるサーバへ の接続情報と、が埋め込まれた画像情報を取得する画像取得ステップと、 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;
前記認識手段によって、前記取得した画像情報から前記注文情報と前記接続情報 を認識する認識ステップと、 A recognition step of recognizing the order information and the connection information from the acquired image information by the recognition means;
前記サーバ接続手段によって、前記認識した接続情報を用いてサーバに接続する サーバ接続ステップと、 A server connection step of connecting to the server using the recognized connection information by the server connection means;
前記注文情報送信手段によって、前記接続したサーバに、前記抽出した注文情報 を送信する注文情報送信ステップと、 An order information transmitting step of transmitting the extracted order information to the connected server by the order information transmitting means;
前記金額変更情報受信手段によって、前記送信した注文情報に対して生成された 金額変更情報を受信する金額変更情報受信ステップと、 Amount change information receiving step for receiving the amount change information generated for the transmitted order information by the amount change information receiving means;
前記決済手段によって、前記受信した金額変更情報を用いて前記記憶した金額を 減額することにより前記商品の購入代金を決済する決済ステップと、 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;
から構成された決済方法。
A payment method consisting of
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