JP2001034691A - Charge payment system by portable terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make checkable and settable information on payment by means of a two-way communication function by means of a portable terminal and to eliminate the complicated procedure for personal confirmation at the time of payment. SOLUTION: The charge payment system for payment without cash by paying various charges from the monetary facility server 40 of a monetary facility 4 has the function of a payment processing request by transmitting information containing identification information specifying a user 2 and a payment destination 3 and amount information showing an amount to be paid, a portable terminal 20 having a function for setting and changing the payment limit amount of the user 2, a function receiving the payment processing request and recognizing the account of the user 2 and the payment destination 3, a function for comparing the amount of amount information with the payment limit amount, a function recognizing whether payment is possible in the monetary facility server 40 of a payment source and transmitting a recognition result and a management server 10 requesting a payment processing to the payment destination 3 to the monetary facility server.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system for paying various fees without cash, and more particularly to a payment system for paying using a portable terminal.

[0002]

2. Description of the Related Art Conventionally, a cash payment system for paying various moneys without cash is used to prevent theft and misplacement caused by the user carrying cash and to directly transfer bills and change at the time of payment. It is widely used for the purpose of saving the trouble of counting coins and preventing mistakes in counting.

[0003] Conventional payment systems for paying various payments without cash include a prepaid card, a credit card, a debit card and the like.

In such a conventional system, in order to take security measures in the event of theft, only a prepaid amount is used and no lending or transfer is performed, or a sign or password is entered at the time of payment. A method of confirming is taken.

[0005] The former method of using only the prepaid amount includes payment using a prepaid card.

[0006] A payment system using a prepaid card is similar to a gift certificate, in which a prepaid card is purchased in advance to purchase a specific product, use a specific service, or use in a specific store. This is a system that can use the face value of the card.

In the case of a prepaid card, the payment amount is not lent or transferred, so that the same amount as cash is lost in the case of theft or the like, but the deposit account and the like are not damaged. For this reason, in general, personal identification such as input of a personal identification number is not performed at the time of payment.

[0008] The latter method of performing identity verification by inputting a signature or a password at the time of payment includes a credit card,
There is payment by debit card and the like.

The credit card payment system is such that when a user becomes a credit card member, the credit card issuing company pays the price to be paid to the user and advances the payment to the payee when the price is paid. This is a cashless payment. Payment by a credit card is performed when the payee confirms the user's signature, the credit card number, and the like.

The payment system using a debit card uses a cash card of a financial institution to withdraw money from a financial institution at various payees' stores and to transfer it to the payee. Payment by the debit card is performed by an operation such as passing a cash card to a payee and inputting a four-digit password in the same manner as in the use of an automatic teller machine.

A credit card or a debit card is different from a prepaid card in that it lends and transfers money, so that there is no need to pay a prepaid card for the money in advance.

However, since the payment system is lent or transferred, it is necessary to prevent improper use at the time of theft or the like and to cause a large amount of damage, and it is necessary to input a sign or password at the time of payment. Confirmation procedures are in progress.

[0013] Some electronic money systems include I
There is a system called an electronic wallet that uses a C card. The balance of electronic money is recorded on the IC card, and this balance can be increased or decreased by the user making a deposit or withdrawal. In the payment of the electronic money system, an IC card is given at the time of payment and a personal identification number is entered to confirm the identity.

Further, in the cashless payment system using these cards, it is inconvenient to obtain information such as the details of the used amount, and to make settings and changes related to the use of the system. For these reasons, it was necessary to perform operations such as confirmation using a public terminal installed for the user.

On the other hand, in a bank transfer system, a user uses a portable terminal to perform two-way communication with a financial institution or the like, and uses various convenient functions such as a balance inquiry and a display of deposit / withdrawal details. There is a system that can do it. This includes
There is a system for connecting to a bank from a mobile phone and performing a bank transfer operation, etc., which is performed by NTT i-mode or the like.
However, the system using the portable terminal is a system for performing bank transfer, and is not suitable for payment at a cash register of a store or the like.

[0016]

As described above, the conventional cashless payment system has the following problems.

First, since the prepaid card is a prepaid system, there is a problem that it is necessary to purchase a prepaid card for the price in advance.

Second, there is a problem that a credit card or a debit card requires a complicated procedure for identity verification such as inputting a signature or a password at the time of payment. For this reason, it is not suitable for use in payees who pay the price in a short time, such as supermarkets and convenience stores. Some cards do not require signing or other procedures, but this has the problem that if the card is lost due to theft or the like, it can be freely withdrawn from the bank account.

Third, since a credit card is a payment system, there is a problem that a user borrows money from a credit card issuing company. For this reason, the user needs to pay an interest, a commission, and the like to the credit card issuing company in addition to the price.

Fourth, the cashless payment system using these cards has a problem in that it is difficult to check information relating to the use of balances, deposit / withdrawal details, and the like, and to make settings and changes relating to the use of the system. is there. For example, with a debit card, the amount of money that can be used can be registered on the card to prevent theft, but in order to register the amount of money that can be used on the card, it is necessary to go to the place where the terminal for registration is located There is.

Fifth, in a conventional bank transfer system using a portable terminal, it is possible to check information relating to the use of a balance, a deposit and withdrawal statement, and the like using the portable terminal. This system is operated by operating a telephone, and it is not suitable for payment at a cash register or the like of a store because the transfer operation requires time and effort.

A first object of the present invention is to solve the above-mentioned drawbacks of the prior art, and to enable checking and setting of payment-related information by a function of two-way communication by a portable terminal. An object of the present invention is to provide a payment system using a portable terminal that is easy and secure for both parties, and that is suitable for payment of various types of payment.

A second object of the present invention is to provide a payment system using a portable terminal that does not require advance payment in advance, does not require a complicated procedure for personal identification at the time of payment, and has security at the time of theft, etc. Is to provide.

[0024]

In order to achieve the above object, the present invention provides a payment system using a portable terminal, in which cash is paid without cash by transferring various payments from a financial institution server of a financial institution. In the system, a transfer processing request by transmitting information including user identification information for specifying a user at the time of payment of the user, payee identification information for specifying a payee, and amount information indicating the amount to be paid. And a mobile terminal having a function of setting and changing the user's payment limit, receiving the transfer processing request, and the user and the user based on the user identification information and the payee identification information. A function of recognizing the account of the payee, a function of comparing the amount of the amount information with the payment limit, and a function of the transfer source request at the financial institution server of the withdrawal source. A function of transmitting the recognized and the recognition result whether the possible transfer, characterized in that a management server having the function of requesting the transfer process to the payee to the financial institution server.

According to a second aspect of the present invention, the management server in the payment system using a portable terminal according to the present invention is characterized in that the management server has a function of reducing the transfer amount from the payment limit for each transfer.

According to a third aspect of the present invention, the management server in the payment system using a portable terminal according to the present invention further comprises: a procedural restriction that requires a user identification for a change that increases the setting of the payment limit; A time limit that requires the lapse of a predetermined period from a change that increases the setting of the payment limit, and a frequency limit that limits the number of changes to increase the setting of the payment limit within a certain period to a specified number or less Having a function of providing at least one limit of a monetary limit that limits the amount to be increased to a fixed amount or less, and when changing the setting of the payment limit, changing the limit provided in the management server. It is characterized in that it is determined that the condition is satisfied, and the setting is changed only when the condition is satisfied.

In the fourth aspect of the present invention, the management server in the mobile terminal payment system communicates with the mobile terminal after receiving the transfer processing request, and executes the transfer processing request before the transfer. It is characterized by having a function of requesting a correction of the amount.

According to a fifth aspect of the present invention, in the mobile terminal payment system of the present invention, the management server communicates with the mobile terminal after receiving the transfer processing request, and before the transfer, the payment limit is set. It is characterized by having a function of requesting a correction of the amount.

In the sixth aspect of the present invention, the management server in the payment system using a portable terminal according to the present invention includes a function of setting, for each user, an allowable excess amount of the transfer processing request with respect to the payment limit. When the amount of the transfer processing request exceeds the payment limit, a function of comparing the amount of the transfer processing request exceeding the payment limit with the allowable excess amount is provided.

According to a seventh aspect of the present invention, in the payment system using a portable terminal according to the present invention, the payment information, which is information representing the contents of a charge from the payment destination to the user, is provided to the payment destination. It has a collection terminal for transmitting to the terminal.

According to an eighth aspect of the present invention, in the payment system using a portable terminal according to the present invention, the billing information includes the payee identification information and the price information.

According to a ninth aspect of the present invention, the management server in the payment system using a portable terminal according to the present invention has a function of transmitting transfer information indicating a state of the transfer processing to the collection terminal.

According to a tenth aspect of the present invention, in the payment system using a portable terminal, the transfer information includes information indicating that the transfer processing of the user has been completed.

[0034] A payment system using a portable terminal according to an eleventh aspect of the present invention includes a plurality of the financial institutions, and each of the financial institutions includes the financial institution server.
Further, the management server has a function of selecting and connecting to the financial institution server of the financial institution as the transfer source in response to the transfer processing request from the user.

In a twelfth aspect of the present invention, a payment system using a portable terminal includes one or a plurality of the financial institutions.
The financial institution includes the financial institution server and the management server, respectively, and the transfer processing to each of the financial institution servers is performed by each of the management servers provided in the same financial institution. It is characterized by.

According to a thirteenth aspect of the present invention, the management server in the mobile terminal payment system has a function of transmitting data relating to the user's use of the payment system to a destination connected via a network. It is characterized by.

[0037]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 is a block diagram showing the configuration of a payment system using a portable terminal according to the first embodiment of the present invention.

Referring to FIG. 1, the mobile terminal payment system according to the first embodiment of the present invention comprises a management server 10, a mobile terminal 20, a collection terminal 30, and a financial institution server 40. .

The management server 10 is connected to each user 2, each payee 3, and each financial institution 4 by radio, a dedicated line, or the like. 4
Mediate transfer processing for.

The management server 10 receives a transfer processing request from the portable terminal 20 to the mobile terminal 20 and performs a transfer processing to the financial institution server 40 based on the transfer processing request. In addition, the status of the progress of the transfer operation is transmitted to the portable terminal 20, and when the transfer based on the transfer processing request cannot be performed or the transfer procedure is completed, the fact is transmitted. If it is necessary to ask the user 2 for confirmation during the transfer process, the user 2 communicates with the portable terminal 20 and asks for confirmation. Further, the payment limit of each user is set in advance from the mobile terminal 20 before use, and the change of the payment limit can be performed from the mobile terminal 20 thereafter.

Here, the transfer processing request is the portable terminal 20
Necessary for the transfer process to be transmitted to the management server 10, including payee identification information for specifying the payee, amount information indicating the amount to be paid, user identification information for specifying the transfer source, and the like. .

Here, the payment limit is an upper limit amount used for payment of the price set by the user 2 for each user.
The transfer amount is reduced from the payment limit for each transfer. The payment limit is provided for the purpose of suppressing damage in case of theft,
In order to set or change this (especially a change to increase the amount), a personal identification is performed by inputting a password.

The management server 10 transmits and receives necessary information to and from the collection terminal 30, such as transmitting information indicating completion of the transfer or information indicating that transfer cannot be performed, as a result of the transfer process.

The management server 10 performs a transfer process to the financial institution server 40 based on a transfer process request from the user 2.

The mobile terminal 20 is carried by each user 2, receives a charge from the payee 3, communicates with the management server 10, and transfers money from the account of the user 2 to the payee 3. Do.

The portable terminal 20 has a function of automatically receiving billing information, which is information representing the contents of the billing, from the collecting terminal 30 by a method such as infrared, wireless, or connector connection. The purpose of this is to prevent trouble and time from obtaining information necessary for a request for a transfer process to the management server 10 and to prevent an input error.

It is preferable that the portable terminal 20 has a function of transmitting a notice indicating that the billing terminal 30 has been successfully completed, when receiving the billing information from the collection terminal 30.

Here, the billing information is information indicating the contents of the bill for the price, and includes the above-mentioned payee identification information and the amount information.

The mobile terminal 20 sends a message to the management server 10
Information necessary for transfer, such as transmission of a transfer processing request and setting or changing of a payment limit, is wirelessly exchanged. Further, when the amount of the transfer processing request exceeds the payment limit, an error message is received, and the amount of the transfer request is corrected through communication with the management server 10.

The mobile terminal 20 is realized by adding a function for paying the price to a mobile phone, a PHS or the like. However, it is also possible to perform a transfer process by inputting information for specifying the amount of money and the payee from a button and transmitting the information to the management server 10 using a conventional mobile phone or PHS.

It is desirable that the portable terminal 20 can obtain information on the use of the user such as the details of the use by communicating with the management server 10.

It is desirable that the portable terminal 20 has a function of displaying a warning message or the like when the payment limit is reduced in order to prevent the amount of the transfer processing request from exceeding the payment limit. .

The collection terminal 30 is installed at each payee 3,
Performs processing related to billing.

The collection terminal 30 is connected to a cash register or the like of each payee 3, and obtains information such as the amount of the payment and transmits the information to the portable terminal 20 of the user 2 as billing information. When the transfer is completed successfully or when the transfer fails, or when only a part of the payment is transferred and the remaining amount is to be paid by cash or the like, the information to that effect is received from the management server 10.

The financial institution server 40 is installed in each financial institution 4, receives a transfer request from the management server 10, and executes a transfer from the account of the user 2 to the payee 3.

The financial institution server 40 compares the amount of the transfer request received from the management server 10 with the possible transfer amount of each user, determines whether or not transfer is possible, and determines that transfer is not possible. To the management server 10. If the transfer is possible, when the transfer is completed, the fact is transmitted to the management server 10.

Here, the transferable amount is the upper limit amount of money that can be transferred from the account of the user 2,
And the upper limit of the transfer set by each financial institution 4.

FIG. 2 is a block diagram showing the configuration of the management server 10, mobile terminal 20, and collection terminal 30 according to the first embodiment of the present invention.

Referring to FIG. 2, the management server 10 includes a control unit 11 for controlling the operation of the entire management server 10, a wireless communication unit 12 for communicating with the portable terminal 20, a program and a payment set by each user 2. A storage unit 13 for storing a limit amount and a database for associating each mobile terminal 20 with the transfer source financial institution 4, an operation unit 14 for an administrator to perform operations such as maintenance of the management server 10, and a financial institution server 40 And a network communication unit 16 for communicating with the collection terminal.

The portable terminal 20 includes a control unit 21 for controlling the operation and communication of the portable terminal 20, a display unit 22 for displaying data to be transmitted and received, details of the operation, and the like. Storage unit 2 for storing data and the like
3, an operation unit 24 for the user 2 to operate the mobile terminal 20, a billing information receiving unit 25 for receiving billing information transmitted from the collection terminal 30, and a wireless communication for communicating with the management server 10. The communication unit 26 is provided.

The collection terminal 30 includes a control section 31 for controlling the operation and communication of the collection terminal 30, a display section 32 for displaying data to be transmitted and received, details of the operation, and the like. Storage unit 3 for storing data and the like
3, an operation unit 34 for the payee 3 to operate the collection terminal 30, a billing information transmitting unit 35 for transmitting billing information to the mobile terminal 20, and a network for communicating with the management server 10. The communication unit 36 is provided.

FIG. 3 is a flowchart for explaining the payment transfer processing according to the first embodiment of the present invention.

Referring to FIG. 3, the payment transfer processing according to the present embodiment is performed when the user 2 pays the payment to the payee 3 by purchasing a product at a cash register of a convenience store or the like. The billing information is transmitted from the collection terminal 30 to the portable terminal 20 (step 301). The collection terminal 30 is connected to a cash register or the like, receives information on the amount of the payment, and transmits it as billing information to the mobile terminal 20 together with information specifying the payee.

Next, as a transfer processing request, the mobile terminal 20 adds information for specifying the user 2 to the billing information received from the collection terminal 30 and transmits the request to the management server 10 (step 302). ).

Next, when receiving the transfer processing request, the management server 10 first compares the amount of the received transfer processing request with the payment limit set by the user 2 (step 303).

Then, if the amount of the transfer processing request is equal to or less than the payment limit, the financial institution server 40 of the financial institution 4 of the transfer source.
And checks whether or not the amount of the transfer processing request can be transferred (step 304).

If the amount of the transfer processing request can be transferred, the transfer is executed to the financial institution server (step 305), the transfer amount is reduced from the payment limit (step 306), and the "transfer end" The information is transmitted to the mobile terminal 20 and the collection terminal 30 (step 307). Upon receiving the communication after the completion of the transfer, a product or the like is delivered from the payee 3, and a transaction between the user 2 and the payee 3 is made. Holds (Step 3
08).

If the amount of the transfer processing request exceeds the payment limit, or if the amount of the transfer processing request exceeds the transferable amount, the information of “transfer not possible” is transmitted to the portable terminal 2.
0 is transmitted to the collection terminal 30 (step 309), and the transfer process is interrupted (step 310). In this case, since the entire payment cannot be transferred, it is conceivable to pay by cash, or reduce the transfer amount to the payment limit or less, request a transfer process again, and pay the shortage by cash.
In this case, the payment limit may be increased to a value higher than the amount paid.However, since this correction requires the insertion of a personal identification number to confirm the identity of the person, either leave the cashier in front of the cash register, or It is preferable to take measures such as using a cover that hides hands and fingers so that the input of the number cannot be seen by others.

As described above, in the present embodiment, the request from the payee 3 and the procedure of the transfer to the financial institution 4 based on the request are automatically performed by the communication function of the portable terminal 20. It is easy and easy for both the user and the payee, and is very suitable for various payments.

Further, in this embodiment, a function for setting a payment limit that can be paid without an operation of inputting a password is provided in a system for transferring a payment from a user's account, so that security in case of theft or the like is provided. Therefore, it is possible to realize a cashless payment system which does not require advance payment in advance and does not require complicated procedures for identity verification at the time of payment.

Next, a second embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 4 is a block diagram showing a configuration of a payment system using a portable terminal according to a second embodiment of the present invention.

Referring to FIG. 4, the difference between the mobile terminal payment system according to the second embodiment of the present invention and the mobile terminal payment system according to the first embodiment in FIG. 10a is provided in the financial institution 4a together with the financial institution server 40, and the transfer processing to the financial institution server 40 is performed by the management server 10a provided in the same financial institution 4a.

This embodiment can also be implemented with a plurality of financial institutions 4a. In this case, the management server 10a is independent for each financial institution 4a, and is stored in the financial institution server 40 in the same financial institution 4a. The transfer process is performed only for this.

As described above, in this embodiment, since the management server 10a is provided in the financial institution 4a, in addition to the effects of the first embodiment, a smaller payment system and one financial This is suitable when the institution 4a independently builds a payment system.

Next, a third embodiment of the present invention will be described in detail with reference to the drawings.

It is anticipated that the payment exceeding the payment limit often occurs even if caution is exercised or even if the portable terminal 20 is provided with a function of displaying a warning message when the payment limit is reduced. Is done. However, at a convenience store or supermarket cash register, etc., when this situation occurs, it is troublesome to temporarily leave the cash register or store to enter the password and correct the payment limit, so it is not preferable to correct it on the spot . In this embodiment, as long as the amount exceeding the payment limit is within a certain amount, payment is performed without requiring input of a personal identification number and without taking time or trouble.

The difference between the payment system using a portable terminal according to the third embodiment of the present invention and the payment system using a portable terminal according to the first embodiment is that the amount of money to be transferred is the payment limit set by the user. If the excess amount is less than or equal to the allowable excess amount, the user sets the allowable excess amount, and with the user's consent, Executes the transfer of the total amount exceeding the payment limit without the procedure of identity verification such as inputting the number.

Here, the allowable excess amount is stored for each user 2 in the storage unit 13 in the management server 10 in the same manner as the payment limit amount, and the user 2 sets the allowable excess amount using the portable terminal 20. .

FIG. 5 is a flowchart for explaining the payment transfer processing according to the third embodiment of the present invention.

Referring to FIG. 5, the payment transfer processing of the present embodiment is the same as the payment transfer processing of the first embodiment in FIG. 3, and the transfer request amount and the payment limit from the start of the processing. The processing is the same up to the comparison (step 503), and if the amount of the transfer processing request is equal to or less than the payment limit, the subsequent processing (steps 507 to 51)
The same applies to 4).

Here, when the amount of the transfer processing request exceeds the payment limit, unlike the payment transfer processing of the first embodiment in FIG. 3, it is not immediately determined that the transfer is impossible, and the payment limit is not determined. The user is notified of the excess by sending it to the portable terminal 20 to notify the user 2, and first checks whether the payment limit is "0" (step 504). The amount is compared with the allowable amount determined by User 2 (Step 504), and if the amount is within the allowable amount, User 2 is asked whether to make a transfer exceeding the payment limit, and If the user 2 agrees, the transfer processing based on the amount of the transfer processing request is continued in the same manner as the payment transfer processing of the first embodiment (step 50).
5).

When the payment limit is "0", when the excess exceeds the allowable excess, or when the user 2 who has received the consent of the transfer exceeding the payment limit is refused. In this case, it is determined that the transfer is impossible, and the following transfer processing is interrupted (steps 512 and 513).

Here, whether or not the payment limit is “0” is determined by checking the amount that can be used without obtaining the personal identification by inputting the personal identification number by the payment limit set by the user and the allowable excess. By limiting the amount within the forehead, damage due to unauthorized use in theft or the like is limited.

[0086] When a transfer exceeding the payment limit is executed, the payment limit becomes 0, and therefore, it is necessary to input a personal identification number for changing the payment limit in order to use again. Therefore, the amount that can be used without obtaining the identity confirmation is limited.

As described above, in the present embodiment, in addition to the effects of the first embodiment, the processing when the amount of the transfer processing request which seems to occur frequently exceeds the payment limit can be flexibly performed. It can be carried out.

Next, a fourth embodiment of the present invention will be described in detail with reference to the drawings.

FIG. 6 is a block diagram showing the configuration of the management server according to the fourth embodiment of the present invention.

Referring to FIG. 6, the difference between the management server according to the fourth embodiment of the present invention and the management server according to the first embodiment in FIG. 1 is that the user 2 uses the payment system. Is provided with an information communication unit 17 for transmitting data to the requested destination or to a preset destination.

The contents of the data transmitted by the information communication unit 17 are a balance, details of the usage up to now, and the like.

The time when the information communication unit 17 transmits these data is set each time the user 2 uses the data.
It is also conceivable that the number of usages is constant, or the sum of the used amount is exchanged for a certain amount, or at a certain period, or a combination thereof.

The destination to which the information communication unit 17 transmits data and the transmission method include a method of transmitting data as an e-mail to an e-mail address designated by the user 2 via a communication network such as the Internet, and a method of transmitting the data. May be transmitted to the database of the server specified by the server and communicate with the database.

As described above, in the present embodiment, in addition to the effects of the first embodiment, since there is a function of transmitting information on the use of the balance, the deposit and withdrawal details, and the like by E-mail, etc. It is easy to check and can be used as original data such as a household account book.

Although the present invention has been described with reference to the preferred embodiments and examples, the present invention is not necessarily limited to the above-described embodiments and examples, and various modifications may be made within the scope of the technical idea. Modifications can be made.

For example, in the above embodiment, the payee 3
Although the personal identification is not performed at the time of payment to the user, the input of the personal identification number and the identification of the user 2 using the fingerprint or the like may be performed together with the cash card or the like. In particular, the method of identity verification using the fingerprint of the user 2 is more suitable for the purpose of the present invention used for payment at a convenience store or a supermarket cash register because the method is more secure and there is no risk of leaking the personal identification number. .

[0097] As shown in FIG.
a, a fingerprint recognition unit 37 is provided, and the fingerprint recognition unit 37 recognizes the fingerprint of the user 2 at the time of payment, transmits the fingerprint information to the management server 10, and records the information of the two users recorded in the management server 20. The identity is verified by collating with the fingerprint.

Further, by providing the personal digital assistant 20 with a function of personal identification using a fingerprint or the like in the same manner, in the case of setting a payment limit that requires the personal identification of the user 2, instead of inputting a personal identification number, a fingerprint is used. The user may be able to confirm the user's identity. In this case, the change of the setting of the payment limit can be performed safely in a garbage in a convenience store or a supermarket, or in front of a cash register at the time of payment, regardless of the place, and suitable for the purpose of the present invention. ing.

[0099]

As described above, according to the payment system using the portable terminal of the present invention, the following effects can be achieved.

First, when the payment is made, the payment is automatically made by transmitting the billing information from the payee terminal to the user's portable terminal. It is easy and easy for both of them, and payment can be made in a short time.

Second, since the system is for transferring money to the payee, there is no need to pay in advance for the problem which is a problem of the prepaid card, and the money which is the problem of the credit card is borrowed for advance payment. No need.

Thirdly, since the payment system uses a mobile terminal instead of a card, various functions of the mobile terminal that cannot be performed with a card, such as balance inquiry and display of deposit / withdrawal details, can be used.

Fourth, since a usable limit amount can be registered for countermeasures against theft, etc., it is possible to secure security and to perform payment without complicated procedures for identity verification.

Fifth, it is possible to easily register a usable limit using a portable terminal.

Sixth, since it has a function of transmitting information on the use of the balance and the deposit / withdrawal details by e-mail or the like, it is easy to check them and use them as original data such as a household account book. Is possible.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of a payment system using a portable terminal according to a first embodiment of the present invention.

FIG. 2 shows a management server according to the first embodiment of the present invention;
It is a block diagram which shows the structure of a portable terminal and a collection terminal.

FIG. 3 is a flowchart for explaining a payment transfer process according to the first embodiment of this invention;

FIG. 4 is a block diagram showing a configuration of a payment system using a portable terminal according to a second embodiment of the present invention.

FIG. 5 is a flowchart for explaining a payment transfer process according to a third embodiment of the present invention.

FIG. 6 is a block diagram illustrating a configuration of a management server according to a fourth embodiment of this invention.

FIG. 7 is a block diagram showing a configuration of a payment system using a portable terminal according to another embodiment of the present invention.

[Explanation of symbols]

 10, 10a management server 17 information communication section 2 user 20 mobile terminal 3 payee 30 collection terminal 4, 4a financial institution 40 financial institution server

Claims (13)

[Claims] Claims: 1. In a payment system for performing cashless payment by transferring various payments from a financial institution server of a financial institution, user identification information for specifying a user at the time of payment of the user; A mobile phone having a function of a transfer processing request by transmitting information including payee identification information for specifying a payee and amount information representing the amount to be paid, and a function of setting and changing the user's payment limit. A terminal, receiving the transfer processing request, a function of recognizing the user and the account of the payee based on the user identification information and the payee identification information, and changing the amount of the amount information to the payment limit. A function of recognizing whether or not a transfer based on the transfer processing request is possible at the financial institution server of the withdrawal source and transmitting a recognition result; and Payment system characterized in that it is a management server having the function of requesting the transfer process to the payee. 2. The payment system according to claim 1, wherein the management server has a function of reducing a transfer amount from the payment limit for each transfer. 3. The management server according to claim 1, further comprising: a procedural limit that requires a user's identity confirmation for a change that increases the setting of the payment limit; and a change from a previous change that increases the setting of the payment limit. Time limit required to elapse of a given period, the number of changes to increase the setting of the payment limit within a certain period is limited to a specified number or less, the amount to be increased is set to a certain amount or less A function of setting at least one of the restrictions on the amount of money to be restricted, and when changing the setting of the payment limit, when determining that the restriction provided on the management server is satisfied and satisfying the condition. The payment system according to claim 1, wherein the setting is changed only when: 4. The management server has a function of performing communication with the portable terminal after receiving the transfer processing request, and requesting correction of the amount of the transfer processing request before the transfer. The payment system according to claim 1, wherein 5. The management server has a function of performing communication with the mobile terminal after receiving the transfer processing request, and requesting a correction of the payment limit before the transfer. The payment system according to claim 1, wherein 6. The management server, for each of the users, a function of setting an allowable excess amount of the transfer processing request amount with respect to the payment limit amount, and the transfer processing request amount sets the payment limit amount. The price payment system according to claim 1, further comprising a function of comparing the amount of the transfer processing request that exceeds the payment limit with the allowable excess amount when the amount exceeds the payment limit. 7. The method according to claim 1, wherein the payee is provided with a collecting terminal for transmitting billing information, which is information representing the contents of a bill from the payee to the user, to the portable terminal of the user. The payment system according to claim 1, wherein 8. The payment system according to claim 7, wherein said billing information includes said payee identification information and said money amount information. 9. The payment system according to claim 7, wherein the management server has a function of transmitting transfer information indicating a state of the transfer processing to the collection terminal. 10. The payment system according to claim 9, wherein the transfer information includes information indicating that the transfer processing of the user has been completed. 11. The payment system includes a plurality of the financial institutions, each of the financial institutions includes the financial institution server, and the management server performs the transfer processing from the user. 11. The payment system according to claim 1, further comprising a function of selecting and connecting to the financial institution server of the financial institution as a transfer source in response to a request. 12. The payment system comprises one or a plurality of the financial institutions, and each of the financial institutions includes the financial institution server and the management server, respectively, and each of the financial institution servers The transfer process for
11. The payment system according to claim 1, wherein each of the management servers provided in the same financial institution performs the payment. 13. The management server according to claim 1, wherein the management server has a function of transmitting data relating to use of the payment system by the user to a destination connected via a network.
2. The payment system according to 2.