JP2001167208A - Service benefit id number account settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an account settlement system, in which an ID number is used for receiving the provision of service for the first time when the ID number is read by terminal equipment for account settlement and a transaction is regarded valid. SOLUTION: The ID number is recorded on a medium 10 and when a user pays a prescribed amount, terminal equipment 20 for account settlement reads this ID number and reports it through a network to an account settlement certifying device 30. The account settlement certifying device 30 validates the use of the ID number. Therefore, the medium has no article value (pay service provision duty) at the point of time of shipping or acquiring thereof. The account settlement certifying device 30 stores the ID number and a stored amount and when the ID number is inputted from information terminal equipment 40, a service providing device 35 provides the service through the network to the information terminal equipment 40. Then, the account settlement certifying device 30 subtracts charges corresponding to the quantity of ID of the provided service from the stored amount and defines the result as remainder.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a service beneficiary ID number settlement system, and more particularly to a service capable of receiving a service (service) from a service providing device via an information terminal device using an identification (ID) number. It relates to a beneficiary ID number settlement system.

[0002]

2. Description of the Related Art At present, there is known a telephone communication service system in which an ID number is assigned to each user as one of service benefit ID number settlement systems, and the user can receive a call service using this ID number. Have been. When using such a call service system,
A user purchases a card on which an ID number is described at a store or an automatic bending device. The ID number is written on this card, but this ID number is sealed so as not to be seen when the card is purchased. Then, the user who purchased the card recognizes the ID number by peeling off the sticker or coating attached on the ID number.

[0003] A user first calls a predetermined access point using an information terminal device such as a public telephone. Then, an instruction to input an ID number is sent from the access point, and in response, the user inputs his / her own ID number written on the card. Then, the telephone company (operator) providing the service (service) checks the ID number, and permits the telephone call if the ID number matches the ID number registered in the authentication device in advance. Then, the user can dial the telephone number of the other party to receive a service such as a telephone call. The received fee for the call service is deducted from the stored amount (the amount paid by the user to the store or the vending device at the time of purchasing the card) provided for the ID number of the authentication device.
As described above, the payment processing of the call service fee and the management of the balance are performed by the center processing device provided in the operator.

In such a conventional service beneficiary ID number settlement system, even before the settlement time when a user purchases a medium such as a card on which a sealed ID number is described, the merchandise value (payment service provision obligation) itself is maintained. Have. That is, when such a medium is shipped, it has a commercial value. Therefore, there is a drawback that if such a product is lost or stolen at a store before it is purchased by a user, the product suffers a loss.

[0005] Further, even if a pamphlet or the like is issued to provide various services, and a medium with an ID number is inserted into the pamphlet to advertise the medium, as described above, the medium itself has a commercial value. For this reason, there is a disadvantage in that it cannot be distributed in advance by advertising.

Further, conventional media of this type are often sold side by side in stores, but in such a case, the stores must purchase the necessary amount in advance, and strict inventory control is required. There were drawbacks that had to be done.

In the conventional service benefit ID number settlement system, one service is fixed to one medium. For this reason, the user cannot receive a plurality of services in one purchase of the medium, and cannot freely change the contents of the services after purchasing the medium.

[0008]

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned drawbacks of the conventional service settlement system using service-receiving ID numbers. At the time of obtaining the ID number, that is, at the time of shipment, without having any merchandise value (paid service provision obligation), payment (payment),
It is an object of the present invention to provide a payment system using an ID number such that a service can be provided for the first time when an ID number is read in a payment terminal device.

[0009]

Means for Solving the Problems The service benefit I according to the present invention I
The D number settlement system has at least a settlement authentication device and a settlement terminal device mutually connected by a network, and uses a medium in which an ID number is recorded.

[0010] The present invention is applied to a service beneficiary ID number settlement system for providing services based on the amount paid by a user in advance. According to the present invention, 1) at the time of settlement of a predetermined medium, an ID number recorded on the medium is read, balance information corresponding to a stored amount is input in correspondence with the ID number, and the ID number and the balance information are associated. A payment terminal device that is configured to be able to transmit the information, and 2) when the ID number is transmitted, the balance information can be stored in association with the ID number, and the information terminal device operated by the user can transmit the balance information from the information terminal device. When there is a request, it is determined whether the service can be provided by referring to the ID number and the balance information,
A settlement authentication device configured to permit provision of the service to the information terminal device when it is determined that the service can be provided, and to be able to reduce the amount corresponding to the service amount from the balance information. .

The second aspect of the present invention is applied to a service benefit ID number settlement system for providing services based on the amount paid by a user in advance. According to the present invention, 1) at the time of settlement of a predetermined medium, the ID number recorded on the medium is read, and the balance information corresponding to the stored amount and the service designation information for designating the service are input in correspondence with the ID number. A settlement terminal device configured to be able to transmit the ID number, the balance information, and the service designation information in association with each other; 2) When the ID number is transmitted from the settlement terminal device,
A payment management system configured to refer to the service designation information transmitted together with the ID number and transmit the ID number and the balance information to a payment authentication device associated with the service designated by the service designation information. 3) The balance information can be stored in association with the ID number transmitted from the settlement management device, and when there is a service request from the information terminal device operated by the user, the ID number and the balance information are stored. To determine whether it is possible to provide services,
When it is determined that the service can be provided, one or more payment authentication devices configured to permit provision of the service to the information terminal device and to be able to reduce the amount corresponding to the service amount from the balance information, Have.

The third aspect of the present invention is applied to a service benefit ID number settlement system for providing services based on the amount paid by a user in advance. According to the present invention, 1) at the time of settlement of a predetermined medium, an ID number recorded on the medium is read, balance information corresponding to a stored amount is input in correspondence with the ID number, and the ID number and the balance information are entered. A payment terminal device configured to be able to be transmitted in association with the payment device; 2) when an ID number and balance information are transmitted from the payment terminal device, the ID number is validated and stored in association with the balance information. Then, when there is an inquiry from any of the payment authentication apparatuses as to whether or not a specific ID number is activated, it is determined whether or not the ID number is activated, and the corresponding balance information is determined. And 3) a sub-ID number and balance information that can be stored in association with each other, and a request for a service together with a specific ID number is transmitted from an information terminal device operated by a user. In the case of Tsu, the specific ID
It is determined whether the service can be provided depending on whether the number matches the sub ID number or the ID number stored in the settlement management device, and when the specific ID number does not match the sub ID number, At least one payment authentication device configured to generate a new sub-ID number.
It is a D number settlement system.

As a fourth embodiment of the present invention, the following case is also available. In other words, the payment terminal device reads the ID number recorded on the medium when the medium is settled, and stores the service designation information specifying one or more services and the amount assigned to each service specified in the stored amount. The corresponding individual balance information is input, and the ID number, the service designation information, and the individual balance information are associated with each other and transmitted to the settlement management device.

[0014] The settlement management device sends the ID from the settlement terminal device to the ID.
When the number is transmitted, the service designation information is referred to the service designation information transmitted together with the ID number, and each of the payment authentication devices associated with one or more services designated by the service designation information is provided with the service designation information. And the individual balance information corresponding to the ID number and the ID number are transmitted.

[0015] In a fifth aspect of the present invention, each payment authentication device is configured to be able to store the individual balance information in association with the ID number transmitted from the payment management device, based on the amount paid in advance by the user. Applied to a service beneficiary ID number settlement system for providing services. According to the present invention, 1) at the time of settlement of a predetermined medium, an ID number recorded on the medium is read, balance information corresponding to a stored amount is input in correspondence with the ID number, and the ID number and the balance information are associated. A settlement terminal device configured to be able to transmit to the settlement management device; and 2) receiving a designation of a service from an information terminal device operated by a user together with presentation of an ID number, and providing service designation information for designating the service. A service selection device configured to be transmittable together with the individual balance information assigned to the service; and 3) an ID number is transmitted from the settlement terminal device, and the service designation information and the individual balance information are transmitted from the service selection device. In this case, each of the payment authentication devices associated with one or more services specified by the service specification information includes:
A settlement management device configured to be able to transmit the individual balance information corresponding to the service and the ID number; and 4) the individual balance information can be stored in association with the ID number transmitted from the settlement management device. , When there is a request for the service from the information terminal device operated by the user,
It is determined whether or not the service can be provided by referring to the number and the individual balance information.If it is determined that the service can be provided, the provision of the service to the information terminal device is permitted, and the amount corresponding to the service amount is determined. At least one payment authentication device configured to be able to reduce the amount from the individual balance information.

The relationship between the medium and the service may be determined in advance. That is, the present invention provides a service benefit I for providing a predetermined service based on the amount paid in advance by the user.
D-number settlement system, 1) at the time of settlement of a predetermined medium corresponding to a predetermined service, reads an ID number recorded on the medium, and stores balance information corresponding to a stored amount in correspondence with the ID number. Input
A settlement terminal device configured to be able to transmit the ID number and the balance information to the payment management device, and 2) to transmit the balance information to the ID number when the ID number is transmitted. It is storable, and when a service is requested from the information terminal device operated by the user, it is determined whether the service can be provided by referring to the ID number and the balance information, and it is determined that the service can be provided. In this case, there is provided a settlement authentication device configured to permit provision of a service to the information terminal device, and to be able to reduce an amount corresponding to the service amount from the balance information.

Here, the payment authentication device determines whether or not the service can be provided, when the ID number is not validated, or when the amount corresponding to the amount of the service to be provided is the current amount. The provision of the service may be prohibited when the balance is larger than the balance.

The following may be adopted. That is, the payment authentication device is configured to be able to store user identification information for identifying a user in association with the ID number, and when a new ID number is transmitted from the payment terminal device, the new ID is transmitted. By referring to the user identification information transmitted together with the number, it is determined whether or not an ID number that has already been registered for the same user exists. Stores the registered ID number in association with a new ID number.
When it is determined whether or not the service can be provided, when the amount corresponding to the amount of the service to be provided is larger than the total amount of the balance corresponding to the registered ID number and the balance corresponding to the new ID number The provision of such services.

The present invention may be as follows. That is, the payment authentication device is configured to be able to store user identification information for identifying a user in association with the ID number, and when a new ID number is transmitted from the payment terminal device, the new ID number is transmitted. With reference to the user identification information transmitted together with, it is determined whether or not an ID number that has already been registered for the same user exists. If an ID number that has already been registered exists, Then, the balance associated with the registered ID number is added to the balance associated with the new ID number, and the balance information corresponding to the registered ID number is deleted.

Further, the medium may be supplied in a form of a plurality of sheets which can be separated from the medium having different ID numbers.

The present invention may be arranged as follows. That is, the service providing device, when determining whether or not the service can be provided, when the value obtained by subtracting the amount corresponding to the service amount to be provided from the current balance is less than the reference amount, Send the warning information to the terminal device.

The medium is a slip in which the ID number and other information are recorded and the amount to be paid by the user is specified.
A D number or other information may be input, and the input ID number or other information and a notification that the user has paid the amount may be transmitted.

Also, the slip has a different I on one leaf sheet.
A plurality of slips with D numbers may be supplied in a form that can be cut off.

Further, the ID number may be different for each medium.

The settlement terminal device can transmit the user's deposit information. When the settlement authentication device receives the deposit information together with the ID number, the settlement authentication device adds a new amount to the balance information and adds the new deposit information to the balance information. It may be balance information.

The ID number transmitted to the settlement authentication device may be a sub ID number generated for each service.

The present invention is a medium in which an ID number usable in the service benefit ID number settlement system of the present invention is recorded. Here, the medium is a medium on which information is recorded by some means, and is configured to be capable of reading an ID number or other information by an information reading device such as a POS terminal. . For example, in addition to a paper on which a barcode corresponding to information is described, a magnetic card on which information is magnetically recorded, an IC card on which information is recorded as digital data, and the like, an FD capable of recording a set of information is included. Further, the ID number transmitted by the payment terminal device is stored or transmitted in association with a different ID number in the payment authentication device or the payment management device, and a service request is made by the information terminal device. In this case, the request can be made only with the associated ID number. In this case, the ID transmitted by the settlement terminal device
Since the ID number is different from the ID number used in the information terminal device, the ID number used in the information terminal device is hidden by a sticker or the like, or is sent to only the user of the information terminal device. By taking measures to notify only the terminal device, it is safe even if the ID number transmitted by the settlement terminal device is known to others. In addition, when the user makes a payment using the payment terminal device separately from the ID number, or when the user accesses the service authentication device or the service management device, the password may be registered. In the payment authentication device,
When an inquiry is made from the user, the setting is made so that the provision of the service is permitted only when the ID number is validated and the password also matches. A conventional technique can be applied to the authentication technique using a personal identification number. In this way, it is safe even if the ID number is known to others after the settlement.

[0028]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a payment system according to the present invention will be described in detail with reference to the accompanying drawings. Embodiment 1 FIG. 1 is a block diagram showing Embodiment 1 of a service benefit ID number settlement system according to the present invention. The system includes a medium 10, a payment terminal device 20, a payment authentication device 30, and a service providing device 35.

The medium used in the settlement system according to the present invention does not have any commercial value (payment service provision obligation) at the time of shipment or acquisition, and various services (services) can be provided using this medium. The service provider who is going to do it and various service management companies that support this information provider will distribute to users along with flyers, pamphlets, catalogs, etc. Alternatively, a medium such as an online slip is transmitted through a telephone line, wireless, or the like. This medium has at least an ID number. Further, a service product name, a service providing company name, a service management company name, and the like are described. The storage amount may be determined and recorded in advance for each medium. In this case, the user pays the amount determined at the time of settlement. Further, a configuration may be adopted in which an arbitrary amount of the user is stored at the time of settlement. In this case, the storage amount is not recorded on the medium. Usually, this type of information is described in the form of data using a barcode. What information is converted into data can be arbitrarily determined. However, an IC card, a magnetic card, or the like can be arbitrarily applied as long as information can be recorded. Further, this medium is usually created as a flyer, pamphlet, catalog, slip, or the like. However, by having the same information as the medium in the device connected to the settlement terminal device, the medium itself can be made unnecessary by inputting only the ID number with the settlement terminal device.

The medium may be configured so that a part of the medium can be separated. That is, as shown in FIG. 1, a medium 10 configured as a part of a flyer, a pamphlet, a catalog, or the like has a barcode written portion 10b and at least an ID number of a barcode for reading by a payment terminal device described later. And a portion 10a corresponding to a memo written so as to be recognizable without using a memo. The database of the payment authentication device 30 stores an ID number recorded on the medium 10 or information capable of specifying the ID number. In the reading part 10b, in addition to the ID number, a service product name,
The name of the service providing company and the name of the service management company, and, if necessary, the amount stored, are displayed and recorded in a bar code or the like. The portion 10a corresponding to the memo can be separated from the portion 10b, and at least the ID number is described so that the user can recognize it at a glance. The ID number of the medium 10 integrated with such a flyer, pamphlet, catalog, or the like is recorded at the time of distribution or when the medium 10 is obtained. ) Can not be provided, therefore the product value (paid service provision obligation)
Does not have.

The settlement terminal device 20 is generally located in various places in the country, such as a convenience store, a kiosk, a bookstore, a rental video store, and other retail stores, and is installed in a store convenient for a user to make a settlement. is there. The settlement terminal device 20 can read the ID number recorded on the medium 10. When information such as a payment amount and other information is recorded on the medium in addition to the ID number, the information can be read and transmitted. Usually, as the settlement terminal device, a POS terminal device (sales information management system) provided at a store such as a convenience store can be used. POS terminal devices provided in current stores are widely used not only for selling merchandise in the store, but also for paying utility charges such as telephone charges, water and gas charges. In the present invention, a POS terminal device connected to a network and used for payment and settlement of a public utility bill or the like is used. When the POS terminals 22, 24, and 26 are used as the settlement terminal 20, the barcode printed on the reading portion 10b of the medium 10 is read by an optical reading type register or the like.

The payment authentication device 30 can communicate with the payment terminal device and can store an ID number and balance information. Further, the configuration may be such that user identification information (name, member code, etc.) for identifying the user is stored in association with the ID number. Communication takes place over any network. The network may be configured by a public line or a dedicated line. The payment authentication device is installed together with the service providing device 35 at the service providing company. However, the settlement authentication device may be installed at a remote location without being provided at the service provider. Further, the settlement authentication device and the service providing device may be realized on the same computer device. Note that the time from when the payment terminal device 20 provides information to the payment authentication device 30 and when the payment authentication device executes the process of validating the use of the ID number is realized in real time by using a public line or a dedicated line. Executed in

The service providing device 35 is configured to be able to provide a service to the terminal device when accessed from the information terminal device 40 used by the user. Type of service (service) that can be provided by the service providing device 35, that is,
Various products can be considered as payment target products. Sales price for product sales using the Internet, sales price for paid content sales using the Internet, Internet connection provider connection charges, information charges for voice information services, tickets for entertainment, events, concerts, etc., air tickets, hotels, etc. Settlement, such as a ticket fee for various talent clubs and collection of membership fees. There are also payments for communication service charges for international calls, mobile phones, and the like. In this case, the information terminal device 40 includes communication terminals of various communication lines, and includes fixed lines of domestic or international communication, mobile communication lines, telephones of satellite lines, communication terminals, and the like. ID
After the use of the number is validated, a predetermined access point is called using a telephone constituting the information terminal device 40,
An international call can be made by inputting the ID number and the telephone number of the other party. The fee is reduced from the stored amount area corresponding to the ID number of the payment authentication device.
Further, as the information terminal device 40, it is also possible to use a computer, a game machine, and other communication terminals that can be used on a network such as the Internet.

In the above configuration, processing is actually performed in the following procedure. When the user who has obtained the medium 10 intends to receive the service introduced in this pamphlet or the like, the user visits a store such as a convenience store designated in advance by the service provider. At this point, the user holding the medium 10 pays the stored amount described on the medium 10 to the store. At the store, upon receiving this payment, the bar code is converted to the POS terminal device 20 as described above.
Read by The read information is transmitted to the payment authentication device 30 via a network such as a public line. At this time, if the stored amount is also recorded on the medium 10, the stored amount is also read and transmitted. In the case where the storage amount is designated at the time of payment, the store clerk or the user inputs the desired storage amount into the payment terminal device. This stored amount is transmitted in association with the ID number.

When the payment is made and the information indicating that the payment has been received reaches the payment authentication device 30, the payment authentication device 30 executes a process for validating the use of the ID number. Various processes for activating the ID number are conceivable. For example, a stored amount is allocated in the settlement authentication device 30 in association with the ID number, and this ID number is initially locked and information from the settlement terminal device 20 is transmitted. Is transmitted,
Activation processing for releasing the lock may be performed.
Such a process of validating an ID number is called authentication because it involves a process of confirming an ID number and confirming whether payment has been made.

The service providing device 35 refers to the ID number and storage (balance) information stored in the settlement authentication device when receiving a service request from the information terminal device 40 operated by the user, and performs the service. It is determined whether it can be provided.
This is a form in which the service providing device makes an inquiry to the settlement authentication device every time a service is provided. In addition, the payment authentication device may transfer information about the activated ID number to the service providing device in advance to confirm whether or not the service is provided. When the service providing device determines that the service can be provided, the service to the information terminal device is provided. Then, an update process for reducing the amount of money corresponding to the service amount from the balance information stored in the settlement authentication device is performed.

According to the present invention, the user pays a fee corresponding to the amount of money stored in the medium in advance at the store, and information indicating at least reading of the ID number is provided to the payment authentication device 30 from the payment terminal device 20. At the time when the processing for validating the use of the ID number is performed in the settlement authentication device 30, the medium 10 has the commercial value (paid service provision obligation) as a prepaid card. Strictly speaking, the ID number initially described on the medium has a commercial value (paid service provision obligation).

After the ID number written on the medium 10 is thus validated (authenticated), the user obtains necessary information from the service providing device 35 using the ID number. be able to. User is medium 10
From the service providing device 35, using the information terminal device 40 provided to receive the service information from the service providing device 35, and using the ID number described in the portion 10a corresponding to the memo. By operating the service 40, the service providing device 35 provides the information terminal device 40 with necessary service (service) information.

The fee corresponding to the service ID amount provided in this way is reduced from the stored amount paid by the user to the store in advance, and the balance is stored in the charge management device 30 corresponding to the ID number in the payment authentication device 30. Will remain in the area.

The management of the remaining amount of the charge is performed in the settlement authentication device 30 in accordance with the ID number. As a result of the balance management performed on the ID number as described above, if it is determined that the balance is exhausted when the service is provided, the service providing apparatus does not provide the service. Further, even if the service can be provided, if the balance becomes lower than the reference value, the service providing device may provide a warning to the information terminal device.

FIG. 2 shows an example in which the settlement authentication device 30 and the service providing device 35 are owned and held by different businesses. For example, a company that sells contents on the Internet (service provider) holds the service providing device 35, and a company that performs payment authentication has the payment authentication device 30. When the user pays a predetermined amount in the payment terminal device 20 (arrow 1), payment information is transmitted from the payment terminal device 20 to the payment authentication device 30 (arrow 2). This gives I
D number validation processing is performed. When the user selects the ID number payment in the information terminal device 40 to purchase the content from the service provider, the information terminal device 40 issues a selection request (arrow 3) to the service providing device 35, and at the same time, setstle the payment authentication device. The user inputs an ID number to 30 (arrow 5). The service providing device 35 transmits the contents of the request from the user and other information to the settlement authentication device 30, and the settlement authentication device 30 comprehensively determines the ID number, the balance information, and the contents of the request, and determines whether the purchase can be permitted. Is notified to the service providing device 35 (arrow 6). Here, when the permission is notified, the service provider 35 provides the content to the information terminal device 40 (arrow 7). When the balance becomes 0 or decreases, the user can increase the balance by paying the amount corresponding to the stored amount again at the store. This is a function of a so-called electronic wallet, and the user can electronically settle the deposited money for various uses. If the service provider is a financial institution, the settlement terminal device 20 and the information terminal device 40
You can receive the services of financial institutions through. As shown in FIG. 3, if the service provider 35 is a financial institution,
The user can perform so-called home banking processing such as remittance in the information terminal device 40,
At 0, deposit and withdrawal processing at a financial institution window is possible.
In this case, if an authentication service company having the payment authentication device 30 is provided separately from the financial institution as the service provider 35, the burden on the financial institution itself can be reduced. When the user deposits money in the settlement terminal, the ID number and the deposit amount are transmitted to the settlement authentication device 30 through the settlement terminal 20. On the other hand, when the user performs a process such as remittance of money held in the electronic wallet to a third party by the information terminal device 40, the content of the process and the ID number are transmitted to the payment authentication device 30 and the service provider 35, If the ID number is genuine and the balance is sufficient, the service provider performs remittance and transfer fee deduction processing. When the user wants to hear the money once deposited, the information terminal device 40 or the settlement terminal device 20 can perform a withdrawal process, receive cash at a convenience store or the like, or receive postal money orders at home. By digitizing the window operations of the financial institution in this way, it is possible to eliminate the financial institution from having a store. In FIG. 4, the service provider 35 has a plurality of stores a, b,. . . , H, it is possible to reduce the burden on each store and increase the efficiency of sales activities by providing one authentication service company having the payment authentication device 30 for this Internet mall. The user enjoys shopping at the Internet mall on the information terminal device 40,
Purchase products at one or more stores. The settlement is performed in the settlement terminal device 20, and the settlement authentication device 30 authenticates the settlement and notifies the result to the target store. Furthermore, the user may settle the medium with the new ID number, so that the amount can be carried over or added. For example, if the stored amount is 3,000 yen, the user will bring a new medium when the balance becomes 0 after the use of the ID number is activated or the balance becomes very small. Visit the store. Then, the store reads the barcode using the settlement terminal device 20. Then, a storage amount is assigned to the new ID number, and the use for the new ID number is validated. At this point, the user has the previously used ID number and the newly available ID number. Therefore, if the user wants to use only the previous ID number, the user contacts the service provider and requests that the amount stored for the new ID number be added to the old ID number. The addition processing can also be automated by having the user authentication information held by the payment authentication device. That is, the payment authentication device is configured to execute a carry-over or addition process when a plurality of ID numbers are assigned to the same user. At this time the old I
Both the D number and the new ID number may be validated, and if any one of the ID numbers is specified, the service may be provided within the range of the added amount of the balance corresponding to both. When a new ID number is assigned, the old ID
It is also possible to perform invalidation processing such as deleting the number, and to postpone the balance corresponding to the old ID number to the new ID number. The service provider can easily execute such processing by operating software in the payment authentication device. After such addition processing is performed, the remaining amount stored for the old ID number and the stored amount for the new ID number are added, and the user
Using the old ID number, it becomes possible to receive a service corresponding to the total stored amount. In principle, each medium is assigned a unique ID number, so that a plurality of media do not have the same ID number. This makes it possible to change the ID number system simultaneously at a certain point in time, which is effective in terms of security, such as prevention of spoofing. In addition, the medium is formed into a booklet or a strip of a plurality of sheets, and a serial number is added to the ID numbers of the plurality of mediums. , The payment amount can be added to the same ID number in the payment authentication device.

As described above, the medium used in the present invention is configured so that it can be recharged and used when the balance runs out or runs out. Therefore, the medium can also be called a rechargeable prepaid card. (Embodiment 2) Embodiment 2 of the present invention relates to a configuration in which a plurality of service providers can be requested to provide services using one medium.

FIG. 5 is a block diagram showing the configuration of the second embodiment. The system shown in FIG. 5 is basically the same as the configuration of the first embodiment, except that the settlement between the store having the settlement terminal device 20 and the service providing company having the settlement authentication device 30 and the service providing device 35 is performed. The difference is that a service management company having the management device 50 is interposed.

The settlement management device 50 mediates between the settlement terminal device and a plurality of service providers. That is, when the ID number is transmitted from the payment terminal device 20, the payment management device 50 refers to the service designation information transmitted together with the ID number. The service providers a, b, c,..., H that provide the designated service are specified, and the ID number and the stored amount can be transmitted to the settlement authentication device of the service provider. The service management device 50 is provided independently so that information can be communicated to all service providers, and the payment authentication devices 30a, 30b,... 30h are collectively installed in the service management company and installed together with the payment management device 50. You may do it.

The information read by the settlement terminal device 20 from the medium 10 needs to include service designation information which is data for specifying the type of service, unlike the system shown in FIG. In other words, since there are multiple service providers,
This is because it is necessary to select from which service provider the service is to be received. In this way, a service provider may be uniquely determined for each medium, and the service designation information for designating the service provider may be recorded on the medium, or the user may be able to designate a service at the store. In this case, the service designation information is not recorded on the medium, and the service designation information for specifying the service provider designated by the user is input to the payment terminal device. The service designation information is sent to the settlement management device 50 together with the ID number.

Next, the processing in this embodiment will be described.

First, a user obtains a medium 10 placed in a convenience store, or sells a medium such as an online voucher by calling a sales promotion activity such as a book binding advertisement and posting / arrangement, or the like. Transmission via line, wireless, etc. And a payment terminal (POS register) 2 at a convenience store
At 0, 22, 24, and 26, the user pays the amount of money described in the medium 10 in advance. Upon passing through the payment terminal device (POS register) 20, the ID number written on the medium 10 is transmitted to the payment management device 50 via a network such as a public line. All information from the payment terminal device 20 is sent to the payment management device 50.

The settlement management device 50 authenticates the opening of the ID number. The settlement management device 50 allocates a service providing company based on data specifying the type of service and transmits the information. For example, there are a plurality of service providing companies that provide international telephone communication services, and the settlement authentication devices 30a, 30b,... 30h and the service providing devices 35a, 35 are provided for each service providing company.
In the case where b,... 35h are set, information specifying the service providing company is recorded on the medium 10 as a barcode. The payment terminal device 20 reads this information together with the ID number, and sends the information to the payment management device 50 in a lump. The payment management device 50 collects information for each service provider, and setstle the payment authentication device 30a,
30b,... And 30h. The settlement authentication device 30 authenticates the opening of the transferred ID number.

When receiving the service, the user must:
The service providing devices 35a, 35b,... 35h are provided with predetermined service providing devices 35a, 35
Access the access point at 5b,... 35h. When the call is started, the response guidance is provided from the service providing device or the payment authentication device, and the user inputs the ID number accordingly. Payment authentication devices 30a, 30b, ...
30h, the ID number of the payment authentication device 30a, 30
It is determined whether the ID number matches the ID number registered in 0b,... 30h. If they do not match, services will not be provided.
Further, the payment authentication device checks whether or not the balance remains, and if the balance remains, permits the call. No service will be provided if the balance is insufficient. When the provision of the service is permitted, the user dials the telephone number of the destination and makes a call. When the call ends, the payment authentication device 30a,
30b,... 30h subtract the used call amount from the service amount. Also, during the call, the settlement authentication devices 30a, 30b,.
30h manages the remaining amount of the service amount of the user and the provision of the service, and when the remaining amount reaches a predetermined remaining amount, provides a warning to the information terminal device with a guidance that "the remaining amount is reduced". When the remaining amount becomes 0, the service providing apparatus ends providing the service.

Next, the flow of the amount settlement and the contents of the transmitted information will be described. FIG. 6 shows a correlation diagram when the settlement system of the second embodiment is viewed in a transaction.

A store such as a convenience store or the like (storing place) that performs settlement of a medium issues an advertisement to a user (purchaser) using a shop leaflet, a shop leaflet, etc. in order to spread the use of this system. (S1). Also,
The service management company that manages the service of this system also stores flyers, magazines, newspapers, television, radio, etc., media, streets,
An advertisement is notified to the user by using a sales promotion activity in an event space or the like (S2). Further, the service providing company itself that provides the service (service) also makes an advertisement announcement using sales flyers, newspapers, magazines, televisions, radios, and other media, streets, event spaces, and other sales promotion activities (S3). ). The user obtains the medium thus created (S4). Then, the user brings the obtained medium to the store and pays the price at the store to settle the stored amount (storage: S5). The store reports the sales to the service management company and the service provider (sales report: S6, S
7). The service provider releases the ID number in order to provide the service to the user based on the report, that is, executes a process of validating the use of the ID number (validation process: S8). Then, when there is a service provision request from the user, the service is provided if the service provision condition is satisfied (S9). The service providing company and the service management company manage increase / decrease of the service ID amount and the payment fee based on the capacity of the user ID number (management: S10). The store pays the stored price to the service management company, and the service management company pays this to the service providing company (payment: S11, S12).

Here, as described above, the balance of the prepaid service charge decreases, and the user may settle a new medium, thereby adding the repurchase amount to his / her ID number (repurchase: S13). ).

The service beneficiary ID number settlement system is operated through the process shown in the transaction correlation diagram.

FIG. 7 shows information transmission contents in the transaction shown in FIG. At the stage of advertisement announcement to the user by the store, the service management company and the service provider, the medium records the name of the service management company, the name of the service provider, the name of the service product, the amount stored, the expiration date, the ID number, etc. .
If necessary, the information items can be increased or decreased. If the stored amount can be determined at the store, the stored amount is unnecessary. If the service provider can be determined at the store, the service provider name and the service product are unnecessary.

When the store reports the sales to the service management company and the service providing company, in addition to the above information, the medium is settled and the name of the store where the price is stored and the storage date are added and transmitted. The management of the service between the user and the service management company and the service providing company is all performed based on the ID number and the remaining service amount. When payment is made from the store to the service management company and the service providing company, information on the ID number, the name of the stored store, the storage date, time, and the payment amount is transmitted.

These information contents are usually performed by scanning a bar code or the like, and are configured as digital information that can be transmitted through a line after input. Also, the name of the service management company, the name of the service provider, the name of the service product, the amount stored, the expiration date, and the ID
The number should be read as a barcode,
In this case, the bar code is formed based on a predetermined format. Further, the names of the service management company, the service provider, and the service product may be the same.

As a modification of the present embodiment, the sub I
A configuration in which the issuance of D is performed in the payment authentication device is also possible. In this case, the settlement terminal device 20 reads the ID number recorded on the medium 10 and transmits the ID number and the balance information in association with each other without designating the service. On the other hand, the settlement authentication device 30 of the service provider determines whether or not the specific ID number is in the sub ID number stored by itself when the information terminal device 40 requests a service together with the specific ID number, If it does not exist, the settlement management device 50
Contact This specific ID number is your own sub ID
If the ID is not registered as a number but is an ID number activated in the payment management device, the payment authentication device 3
0 generates a new sub ID number and stores it in association with the balance information. If there is a balance, the service is provided. That is, the sub ID number is issued when the payment authentication device is accessed for the first time. Thereafter, a service provision request to the same service provider is made by the user presenting the issued sub ID number. According to this modification, there is an effect that the authentication procedure can be omitted.

As shown in FIG. 11, a medium whose service is specified in advance, such as a music distribution dedicated prepaid card 10a,
Mobile phone exclusive (specific telephone company) pay card 10b
Can be issued. In this case, the ID number itself is associated with a specific service, and the user does not need to perform any operation for specifying the service. (Embodiment 3) Embodiment 3 of the present invention is similar to Embodiment 2 described above.
The present invention relates to a settlement system in which a plurality of service providers can be designated in a store.

The structure of this embodiment is the same as that of the second embodiment described with reference to FIG. However,
The settlement terminal device 20 is configured to be able to read the ID number recorded on the medium at the time of settlement of the medium and to designate one or more service providers a, b, c,..., H. I have. At that time, it is possible to specify an individual amount to be allocated to each service provider specified in the settlement terminal device from the pre-storage amount. The designation of these service providers and their individual amounts can be performed by telling the clerk the service orally specified by the user to the clerk and inputting it from the keyboard of the settlement terminal device, or by providing the service provider prepared in advance. This is done by reading the barcode on the list or the barcode on the amount list. Further, a configuration may be adopted in which the user directly inputs such information by panel operation or button operation. The settlement terminal device 20 issues a sub-ID number for each designated service provider. The sub ID number may be a serial number related to the original ID number or may be a completely different number. Data specifying the designated service provider is transmitted as service designation information to the corresponding service management company together with the allocated storage amount and sub ID number.

When information is transmitted from the payment terminal device, the payment management device 50 refers to the service designation information transmitted together with the sub ID number. Then, the service provider specified by the service specification information is specified, and the individual balance information and the sub ID number corresponding to the service specification information are transmitted to the settlement authentication device of the service provider. . If there is no problem in operation, a sub ID number may not be generated, and the same ID number may be used in any service provider.

The processing performed by the settlement authentication device and the service providing device of the service provider to which the information such as the sub ID number has been transmitted is the same as in the first embodiment.

According to the third embodiment, a service provider that provides a plurality of services can jointly enter the settlement system. When each service provider receives the ID number, the service can be provided within the range of the allocated amount.

The user can freely designate a plurality of services in one settlement of the medium, which makes it easy to use the settlement system. Also, since the user can freely set the amount to be allocated according to the frequency of use of the service, the user can appropriately receive the desired service within the range of the paid amount. (Embodiment 4) Embodiment 4 of the present invention relates to a settlement system in which services can be freely selected after settlement of a medium.

FIG. 8 is a configuration block diagram showing the fourth embodiment. The system shown in FIG. 8 is basically the same as the configuration of the second embodiment shown in FIG. 6 except that the service management company includes a service designation device 70 in the settlement management device 50. Processing in the payment terminal device 20, the payment authentication device 30 in the service provider, and the service providing device 35 is the same as in the first embodiment.

In this embodiment, the settlement terminal device 20
In the case of settlement by the user, the user performs the settlement without specifying the service. The settlement amount may be recorded in a medium in advance, or may be configured so that the user can specify it at a store.
After the settlement of the medium 10, the user contacts the service management company and uses the service selection device 70 to specify the service and specify the amount.

When the service selecting device 70 is connected from the information terminal device 40 operated by the user, the service selecting device 70 can receive the designation of the service (one or more) together with the presentation of the ID number. Then, the service designation information for designating the service designated by the user can be transmitted together with the individual balance information assigned to the service. At this time, it is possible to select how much money is allocated to the designated service.

The settlement management device 50 is connected to the settlement terminal device 20.
When the ID number is transmitted from the service selecting device 70 and the service specifying information and the individually designated balance information are transmitted from the service selecting device 70, a sub ID number is generated for each service. The sub balance number and the individual balance information corresponding to the service designation information can be transmitted to the settlement authentication device 30 of the service provider designated by the service designation information.

Each of the service providers a, b, c,..., H executes processing according to the above embodiment based on the sub ID number. However, if there is no problem even if the same ID number is used, each service provider may use the same ID number.

The settlement system of this embodiment is a concert,
The present invention is applicable to ticket purchase and reservation deposit settlement systems for use in hotels, air tickets, and the like. FIG.
FIG. 1 shows a block diagram of such a payment system. In this process, the payment management device 50 includes the payment authentication device 3
It is assumed to be configured to include 0.

First, the user pays the amount of money (storage amount) described in the medium 10 in advance by using the medium 10 at the payment terminal 20 of the convenience store. Upon passing through the payment terminal device (POS register) 20, the ID number written on the medium 10 is transmitted to the payment management device 50 via a network such as a public line. The payment management device 50 performs processing as a payment authentication device, and the opening of the ID number is authenticated.

Next, the user designates a service provider by telephone or the Internet to the settlement management device 50, inputs the ID number recorded on the medium, and accepts the settlement number. On the day of use, the user brings the registered medium 11 with the settlement number described to the service company counter to receive the service. The medium 11 in which the settlement number is described and registered can also be obtained by mail or online slip. Further, it can also be obtained and presented as a digital medium such as an FD, an ID of a portable terminal, and an IC card. In that case, a device capable of reading the digital medium at the service provider window and recognizing the settlement number will be installed. Referring to FIG. 9 in more detail, first, the user pays a predetermined amount using the payment terminal device 20 and activates the ID number of the medium 10. Then, from the information terminal device 40, the hotel (service providing devices 35a, 35
b,. . . When the reservation is made, for example, 35a) out of 35h, the settlement authentication device 30a determines whether or not the reservation is possible,
The determination result is notified to the service providing device 35a. At this time, the service providing device 35a notifies the information terminal device 40 of the settlement number 11. When a plurality of hotels are reserved, the user acquires a settlement number for each hotel.

On the day of accommodation, the user brings the medium to the front of the hotel and tells the settlement number received for the hotel. At the time of accounting, the service amount corresponding to the service provided by the user is subtracted from the already settled amount, and the settlement is made. If the settlement amount is smaller than expected and the storage amount for the medium is sufficient, it is possible to carry out the process of carrying over the medium to the next hotel reservation or refunding it on the spot. If the settlement amount exceeds the storage amount for the medium, the difference is paid to the user.

It goes without saying that the same settlement method as the above-described processing procedure can be applied to the purchase of air tickets and the payment of tickets for performing arts, events, concerts and the like. (Example) FIG. 10 is a diagram showing an example of the settlement system according to the second embodiment together with a system flow. In this embodiment, a payment terminal management device 60 that collectively manages information from the payment terminal device 20 is newly provided.
This management device 60 is set at the headquarters of a convenience store when the store is a convenience store. This is basically the same as the system in FIG.

First, the service provider having the service providing device 30 issues the medium 10 combined with the pamphlet to be used for this service (step 101).
The medium 10 is issued and distributed not only by the service providing company but also by a service managing company having the settlement management device 50 (step 102). The user who has obtained the medium 10 pays the fee at the store where the settlement terminal device 20 is installed (step 103). POS22,24,
The real storage information read at 26 is transmitted to the service providing company and the service management company having the payment authentication device 30 via the public network 70 (step 104).
a, 104b). Based on the real storage information, the payment authentication device 30 executes a process for validating the use of the card (step 105). Further, when the additional amount is paid later, the process of increasing the balance is also performed in the payment authentication device 30 based on the real storage information from the payment terminal device 20.
Such a process of increasing the balance and updating the ID number can also be performed via a service management company having the payment management device 50. Communication between store and store headquarters (S106
a, S106b), communication processing between the store headquarters and the service management company (S107a), and communication processing between the service management company and the service provider (S107b) are performed by two-way communication via the public network 70.

FIG. 12 shows an example of a slip used as the medium 10. The slip 10 is, for example, an application made by accessing a homepage on the Internet and mailed. An ID number is displayed on this slip 10, and when a predetermined amount is paid at a convenience store or the like,
When the POS terminal transmits the ID number and other necessary information and the fact that the payment has been made to the payment authentication device 30, the ID
The number is activated. The slip 10 includes an explanation section 110 in which usage guidance and the like are described, an ID number section in which an ID number and a note regarding use of the ID number are described, and a slip section 13
0 is provided. The slip unit 130 includes a head office submit slip unit 140 and a store slip unit 150 as in the case of a general transfer handling slip.
And a receipt section 160, and the chit submission slip section 14
At 0, the bar number 140A, 140B, 140C, 140D displays the store number, the expiration date, and other necessary information. The payment terminal device 20 reads these barcodes and performs payment processing. In addition, the chief submission form 1
Reference numeral 40 denotes a user column 142 for specifying a user, an amount column 144 indicating an amount to be paid, and a recipient column 14 indicating a recipient.
6, and a seal box 148 for marking the date of receipt. In the store slip unit 150, an amount column 152 indicating the amount to be paid, a user column 154 for specifying a user,
A recipient column 156 indicating the recipient and a stamp column 158 for stamping the date of receipt are provided. The receipt certificate section 160 is provided with a user field 162 for specifying a user, a payee field 164 indicating a payee, an amount field 166 indicating an amount to be paid, and a seal field 168 for stamping a date of receipt.

FIG. 13 shows a modification of the slip shown in FIG. This slip 10 is composed of two slip units 132 and 134 for one leaf slip.
Are provided in the ID number section 120, and each slip section 132, 1
Two ID numbers corresponding to 34 are displayed. By providing a plurality of slip units 132 and 134 in one leaf slip in this way, the recipient can perform the process for remittance a plurality of times by one mailing process, and the user can appropriately adjust the remittance amount. It is also possible to select.

The slips shown in FIG. 12 and FIG. 13 are distributed to users as printed matter by mail or the like, or are online slips printed out from the information terminal device 40. Also, the ID number itself displayed on the information terminal device 40 can be taken as a medium without taking the form of a slip.

FIG. 14 shows a settlement system using the online slip 10 and the ID number itself as a medium. Here, an example is shown in which the service provider 35 is a mail order company. The user accesses the information terminal 40 and selects a product at the mail order company 35 through the information terminal 40. Next, when an online slip or ID number is selected as the payment method, the online slip or ID number can be obtained at the information terminal 40. Then the user
The D number, the ID number of the online slip, and other information are also transmitted to the settlement authentication device 30. Then the user
Using the D number or the online slip, the payment terminal device 20 performs payment. This information is transmitted to the settlement authentication device 30, and after authentication, the settlement result is notified to the mail order company 35. The mail order company 35 supplies products to the user based on this. The form of supply of goods is performed directly from the mail order company 35 through the logistics company or the settlement terminal device 20.
Delivery to a user at a convenience store or the like having the following.

In each of the above embodiments, the payment terminal device, the service management device, the service selection device, the payment authentication device, and the service providing device are classified, but there is no need to separate them in this way. It suffices to perform the function equivalent to these devices in terms of function. In other words, even if one or more of these devices are realized by the same device, or even if these devices are further divided into devices that are more functionally separated, a device organization other than these devices that performs equivalent functions. You may.

[0080]

According to the present invention, the ID is set when the product price is settled.
This is a prepaid payment system in which the number becomes valid and the right to receive services is generated.Communication services such as international calls, sales of goods using the Internet, sales of paid contents using the Internet, and information provision services from Internet professionals It can be used for a service system for receiving various services such as voice information service, payment of membership fees, purchase of tickets for events, and sale of air tickets and the like.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of a settlement system according to a first embodiment of the present invention.

FIG. 2 is a block diagram showing a modification of the settlement system in the first embodiment.

FIG. 3 is a block diagram illustrating a specific example of a settlement system according to the first embodiment.

FIG. 4 is a block diagram showing another specific example of the settlement system according to the first embodiment.

FIG. 5 is a block diagram illustrating a configuration of a settlement system according to Embodiments 2 and 3 of the present invention.

FIG. 6 is a transaction correlation diagram in the present settlement system.

FIG. 7 is a diagram showing information contents transmitted by the transaction correlation diagram.

FIG. 8 is a block diagram illustrating a configuration of a settlement system according to a fourth embodiment of the present invention.

FIG. 9 is a flowchart of a settlement system according to a fourth embodiment of the present invention.

FIG. 10 is a block diagram showing a configuration of a settlement system according to an embodiment to which the present invention is applied.

FIG. 11 is a plan view showing an example of a medium specifying a service.

FIG. 12 is a plan view showing a slip-form medium.

FIG. 13 is a plan view showing another medium in the form of a slip.

FIG. 14 is a block diagram showing a configuration of a settlement system using a slip.

[Explanation of symbols]

 Reference Signs List 10 medium 20, 22, 24 payment terminal device 30, 30a, 30b, 30h payment authentication device 35, 35a, 35b, 35h service providing device 40 information terminal device 50 payment management device

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 510 G06F 17/60 510 G07F 7/08 G07G 1/12 321P G07G 1/12 321 1/14 1/14 G07F 7/08 RF term (reference) 3E042 CC02 CD04 EA01 3E044 AA03 BA06 CB01 DA06 DC01 DE01 5B049 AA01 AA05 AA06 BB00 BB11 CC08 CC16 CC39 DD02 EE02 EE22 EE23 EE25 EE28 GG10 BB02 BB02 KK01 KK05 KK07 KK13 KK18 KK19

Claims (17)

[Claims] 1. A service benefit ID number settlement system for providing services based on an amount paid by a user in advance, wherein an ID recorded on a predetermined medium when the medium is settled.
A payment terminal device configured to read a number, input balance information corresponding to the stored amount in association with the ID number, and transmit the ID number and the balance information in association with each other; When transmitted, the balance information can be stored in association with the ID number, and when a service is requested from an information terminal device operated by a user, the ID information is stored.
It is determined whether or not the service can be provided by referring to the number and the balance information.If it is determined that the service can be provided, the provision of the service to the information terminal device is permitted, and the amount corresponding to the service amount is determined. A service authentication ID number settlement system comprising: a settlement authentication device configured to be able to reduce the amount from the balance information. 2. A service benefit ID number settlement system for providing services based on an amount paid by a user in advance, wherein an ID recorded on a predetermined medium at the time of settlement of the medium.
Read the number, input balance information corresponding to the stored amount and service designation information for designating a service corresponding to the ID number, and transmit the ID number, the balance information and the service designation information in association with each other. A settlement terminal device that is configured, and refers to the service designation information when an ID number is transmitted from the settlement terminal device, and to a settlement authentication device corresponding to the service designated by the service designation information. A payment management device configured to be able to transmit the ID number and the balance information; and an information terminal device that can store the balance information in association with the ID number transmitted from the payment management device, and is operated by a user. When a request for a service is made from the information terminal device, it is determined whether or not a service can be provided by referring to the ID number and the balance information. Service beneficiary ID number settlement systems with one and more settlement authentication device is configured to be deducted from the balance information an amount of money permitted corresponds to the service amount to provide services against. 3. The settlement terminal device reads an ID number recorded on the medium when the medium is settled.
The service designation information for designating the above services and the individual balance information corresponding to the amount allocated to each service designated in the stored amount are input, and the ID number, the service designation information and the individual balance information are entered. When the ID number is transmitted from the payment terminal device, the payment management device refers to the service designation information transmitted together with the ID number, and transmits the service designation information to the payment management device. The individual balance information corresponding to the service designation information and the ID number are transmitted to each of the payment authentication devices associated with one or more services designated by 3. The service beneficiary ID according to claim 2, wherein the individual balance information is stored in association with the ID number transmitted from the management device.
Number settlement system 4. A service beneficiary ID number settlement system for providing a service based on an amount paid by a user in advance, wherein an ID recorded on a predetermined medium when the medium is settled.
A payment terminal device configured to read a number, input balance information corresponding to the stored amount in association with the ID number, and transmit the ID number and the balance information in association with each other; When an ID number and balance information are transmitted from a terminal device, the ID number is validated and stored in association with the balance information, and whether a specific ID number is validated from any of the payment authentication devices When the inquiry is made, it is determined whether or not the ID number is activated, and the settlement management device configured to be able to transmit the fact together with the corresponding balance information, the sub ID number and the balance. The information can be stored in association with the information, and when a service is requested together with a specific ID number from the information terminal device operated by the user, the specific ID number is the sub-ID number or the sub-ID number. It is determined whether or not the service can be provided depending on whether or not the ID number stored in the completed management device matches, and when the specific ID number does not match the sub ID number, a new sub ID number is set. A service beneficiary ID number settlement system, comprising: one or more settlement authentication devices configured to be able to be generated. 5. A service beneficiary ID number settlement system for providing services based on an amount paid by a user in advance, wherein an ID recorded on a predetermined medium when the medium is settled.
A payment terminal device configured to read a number, input balance information corresponding to the stored amount in association with the ID number, and associate the ID number with the balance information and transmit the balance information to the payment management device. A service selection device configured to receive a designation of a service together with presentation of an ID number from an information terminal device operated by a user, and to transmit service designation information designating the service together with individual balance information assigned to the service; When an ID number is transmitted from the settlement terminal device and the service designation information and the individual balance information are transmitted from the service selection device, the ID number corresponds to one or more services designated by the service designation information. Each of the payment authentication devices that have the above-mentioned individual balance information corresponding to the service designation information and the I
A settlement management device configured to be able to transmit a D number, and the individual balance information can be stored in association with the ID number transmitted from the settlement management device. Is requested, it is determined whether or not the service can be provided by referring to the ID number and the individual balance information, and if it is determined that the service can be provided,
A service beneficiary ID number settlement system comprising: at least one settlement authentication device configured to permit provision of a service to the information terminal device and reduce an amount corresponding to the service amount from the individual balance information. 6. A service beneficiary ID number settlement system for providing a predetermined service based on an amount paid in advance by a user, wherein the system is provided with a predetermined medium corresponding to the predetermined service when the medium is settled. The recorded ID number is read, and the balance information corresponding to the stored amount is input in correspondence with the ID number,
A settlement terminal device configured to be able to transmit the ID number and the balance information to the settlement management device, and to store the balance information in association with the ID number when the ID number is transmitted; When the service is requested from the information terminal device operated by the user, the ID
It is determined whether or not the service can be provided by referring to the number and the balance information.If it is determined that the service can be provided, the provision of the service to the information terminal device is permitted, and the amount corresponding to the service amount is determined. A service authentication ID number settlement system comprising: a settlement authentication device configured to be able to reduce the amount from the balance information. 7. The settlement authentication device determines whether or not the service can be provided, when the ID number is not activated, or when the amount corresponding to the service amount to be provided is currently The service beneficiary ID number settlement system according to any one of claims 1 to 6, wherein the provision of the service is prohibited when the balance is larger than the balance of the service. 8. The payment authentication device is configured to be able to store user identification information for identifying a user in association with the ID number, and when a new ID number is generated, By referring to the corresponding user identification information, it is determined whether or not an ID number that has already been registered for the same user exists. When the new ID number is stored in association with the registered ID number, the ID number is validated, and it is determined whether the service can be provided. 8. The service beneficiary ID number settlement system according to claim 7, wherein the provision of the service is prohibited when the total amount is larger than the balance corresponding to the registered ID number and the balance corresponding to the new ID number. 9. The payment authentication device is configured to be able to store user identification information for identifying a user in association with the ID number, and when a new ID number is generated, By referring to the corresponding user identification information, it is determined whether or not an ID number that has already been registered for the same user exists. Add the balance associated with the registered ID number to the balance associated with the new ID number,
8. The service beneficiary ID number settlement system according to claim 7, wherein the new ID number is validated and balance information corresponding to the registered ID number is deleted. 10. The service beneficiary ID number settlement system according to claim 9, wherein the medium is supplied in a form of a plurality of sheets that can be separated from media having different ID numbers. 11. The settlement authentication device, when determining whether or not the service can be provided, when a value obtained by subtracting an amount corresponding to a service amount to be provided from a current balance is smaller than a reference amount. The service benefit ID number settlement system according to any one of claims 1 to 10, further comprising causing the information terminal device to transmit warning information. 12. The medium is a slip in which the ID number and other information are recorded and the amount to be paid by the user is specified, and the settlement terminal device inputs the ID number and other information recorded in the slip. Obtained and entered ID
The service beneficiary ID number settlement system according to claim 1, wherein the number and other information and the fact that the user has paid the amount can be transmitted. 13. The slip according to claim 1, wherein said sheet has a different I
13. The service beneficiary ID number settlement system according to claim 12, wherein a plurality of slips with D numbers are supplied in a form capable of being cut out. 14. An I used in the payment authentication device.
6. The service beneficiary ID number settlement system according to claim 4, wherein the D number is a sub ID number generated corresponding to each service. 15. The service benefit ID number settlement system according to claim 1, wherein the ID number is different for each medium. 16. The settlement terminal device can transmit the user's deposit information. When the settlement authentication device receives the deposit information together with the ID number, the settlement authentication device adds a new amount to the balance information and adds the new deposit information to the balance information. The service benefit ID number settlement system according to any one of claims 1 to 15, wherein the information is balance information. 17. An ID that can be used for the service benefit ID number settlement system described in claim 1 to claim 16.
Medium on which the number is recorded.