JP2001319264A - Vending machine payment method and vending machine payment system using mobile phone - Google Patents

Abstract

(57) [Summary] [Problem] A mobile phone and an MM connected to a mobile phone network
It is an object of the present invention to propose a vending machine payment method and a vending machine payment system using a mobile phone, which comprises a P server, an MMB server, and a vending machine having a built-in MMS unit. When a user performs a product purchase operation using an operation unit, a transaction control unit sends transaction account data stored in an account storage unit to an MMS control unit, and the MMS control unit transmits the transaction account data to the MMS control unit. 10 temporarily registers the transaction account data, issues a control command to the vending machine control means 30 to enable selection of a product within the credit limit, and when the user selects a purchased product, unloads the product and notifies the transaction amount. , Finance I
The transaction data such as D, account number, and amount of money is sent to the corresponding MMP server 5 via the packet communication center 7, and the MMP server 5 additionally registers the transaction data for each transaction and collects the transaction data in the MMB server 6. Ask.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method and a payment system for a vending machine connected to a mobile phone network, and more particularly, to a mobile phone and a mobile phone network. MMP server, MMB server,
The present invention relates to a vending machine payment method using a mobile phone and a vending machine payment system, which comprises a vending machine having a built-in MMS unit.

[0002]

2. Description of the Related Art A variety of vending machines, from small-sized products such as coffee and cigarettes to medium-sized products such as books and clothing, are installed and used by many people and are indispensable to daily life. Also, the number of mobile phones used exceeds that of fixed phones, and their use is spreading. Payment of merchandise purchases at vending machines is usually made by cash settlement such as coins and bills, and IC
Card payments such as cards and debit cards are being made. In cash settlement, there is a problem that purchase of a desired product is often abandoned due to, for example, a case where small coins are not brought when purchasing a small value product or a change in vending machine. For card payments with high cash characteristics such as IC cards and debit cards,
It involves complicated actions such as constantly checking the balance of the card and performing prepaid processing. On the other hand, since a general credit card involves an authentication process, there is a problem that it cannot be used in a vending machine. There is a need for a proposal for a vending machine payment system using a mobile phone that uses a widely-used mobile phone and a vending machine purchase price registration / payment system connected to the mobile phone network.

[0003]

In view of the problems and problems described above, the present invention provides an MMP server, an MMB server, and an MM connected to a portable telephone and a portable telephone network.
It is an object of the present invention to propose a vending machine payment method and a vending machine payment system using a mobile phone, which comprises a vending machine having a built-in S unit.

[0004]

[MEANS FOR SOLVING THE PROBLEMS] A vending machine which sells goods and service reservations, and a vending machine user who transmits packet data to an access point by packet communication and a transaction account used for payment of purchased goods at the vending machine. Account storage means for storing data, operating means for performing a product purchase operation of a vending machine, portable I / F means for controlling connection with a mobile phone, terminal I / F means for performing wireless communication connection with the vending machine, and transactions for the vending machine A mobile terminal having transaction control means for controlling the vending machine; a vending machine control means built in or attached to the vending machine, for controlling the amount of input of the vending machine, selecting products, and carrying out the products; and a communication connection with the packet communication center. MM having packet communication means and MMS control means for controlling vending machine control means based on data received from terminal I / F means A unit, a packet communication center that is communicatively connected with the packet communication unit vending machine, connected for communication with the packet communication center dedicated communication line,
An MMP server that manages vending machine transactions and processes a collection request from a vending machine user; and is connected to the MMP server via a dedicated communication line, and based on the payment collection request data from the MMP server, charges from the vending machine user's transaction account. Using a payment system for a vending machine composed of an MMB server that performs a collection process and a terminal packet communication center that authenticates outgoing data and connects to an access point via a dedicated communication line or a public communication line. When the user performs a product purchase operation using the operation means, the transaction control means transmits the transaction account data, mobile phone terminal ID, credit data, etc. stored in the account storage means via the terminal I / F means. And sends it to the MMS control means. The MMS control means temporarily registers the transaction account data and the terminal ID, recognizes the credit limit, and The vending machine control means issues a control command to the machine control means to enable selection of products within the credit limit, displays the selectable products, and when the user selects a purchase product, unloads the product and sets a transaction amount. To the MMS control means, and the MMS control means sends the transaction data such as the financial ID, account number, terminal ID, and transaction amount of the financial institution with which the user has contracted to the packet communication center via the packet communication means. The transaction data is relayed at the packet communication center and sent to the corresponding MMP server, and the MMP server additionally registers the transaction data for each transaction.

[0005] When a user performs a commodity purchase operation using the operation means using the vending machine payment system, the transaction control means stores transaction account data stored in the account storage means and a mobile phone terminal ID. And the like are sent to the MMS control means via the terminal I / F means, the MMS control means temporarily registers the transaction account data and the terminal ID, and issues a control command to the vending machine control means to enable product selection, When the user selects a purchased product, the vending machine control unit notifies the MMS control unit of the transaction amount of the product, and the MMS control unit prompts the user to perform an operation of inputting authentication data, and receives the authentication data from the mobile terminal. The authentication data is stored in the MM via the packet communication center without being stored and registered at all.
The server is sent to the B server, and when authentication is obtained from the MMB server, the MMS control unit issues a command to carry out the corresponding product to the vending machine control unit, and also outputs a financial ID, an account number, a terminal ID,
The transaction data such as the transaction amount is transmitted to the packet communication center via the packet communication means, and the transaction data is relayed by the packet communication center and sent to the corresponding MMP server, and the MMP server transmits the transaction data for each transaction. Register additionally.

[0006] When a debit card I / F unit for interfacing debit card data is additionally installed in a portable terminal of a vending machine payment system, and a user performs a product purchase operation using an operation unit, the transaction control unit becomes The payment account data stored in the debit card, the terminal ID of the mobile phone, and the like are transmitted to the MMS control means via the terminal I / F means.

Using the payment system of the vending machine, the mobile terminal inputs the account amount to be stored and registered in the account storage means, and the access data such as the address and terminal ID of the MMB server operated by the counterparty financial institution. To the terminal packet communication center, the terminal packet communication center receives and authenticates the terminal ID and transmits access data to the corresponding MMB server, and the MMB server receives the transaction account number, password or password from the mobile terminal. When receiving the authentication data such as the number and the desired remittance amount data, the authentication data is collated with the authentication data registered in advance, and then the mobile terminal performs a remittance process of the desired remittance amount. Based on this, the account balance data in the account storage means is input and updated.

[0008] A terminal communication center for exchanging and connecting voice signals of a mobile phone is additionally installed in the vending machine payment system, and the mobile terminal uses the MMB server of the correspondent financial institution as the operating MMB server telephone number. The terminal address and the access data such as the terminal ID are communicated and transmitted to the terminal communication center using an analog modem. The terminal communication center exchanges and transfers the access data to the MMB server of the corresponding telephone number. After decoding the transaction data and receiving the password data such as a transaction account number, a password or a password, and the desired remittance amount data, the authentication data is compared with the authentication data registered in advance, and the remittance of the desired remittance amount is performed on the mobile terminal. Performs the process, and the mobile terminal inputs and updates the account balance data in the account storage means based on the remittance amount. .

[0009] A vending machine payment system using a mobile phone is provided with a vending machine for selling goods and service reservations,
A vending machine user's mobile phone having an operation unit and a display unit and transmitting call data by packet communication to an access point;
Portable I / F means having a transaction account communication control unit for controlling communication of transaction account data with the mobile phone; an account ID memory for storing transaction account data used for paying for purchased products at a vending machine; and a password Or, an account storage unit having a password memory storing personal identification data such as a password and a credit data memory storing a credit limit, and an operation unit having a connection operation unit for performing a connection operation to a vending machine, Transaction control means having a transaction account notifying section for notifying the vending machine of transaction account data, a password confirmation section for comparing and confirming the input authentication data with the corresponding data in the password memory, and a terminal I / F for performing wireless communication connection with the vending machine A portable terminal having means, a product storage unit for storing products for sale, an input amount recognition control unit for recognizing and controlling the input amount to the vending machine, and a product selection And product confirmation selection unit for performing, selling goods of quantity, and product data memory which stores the unit price data,
A display control unit that performs display control of available products and input amounts, a vending machine charging control unit that performs selection control of a corresponding product based on the input amount and the unit price of the selected product, and a vending machine charging control unit based on a selection command of the vending machine charging control unit. A vending machine control means having a product selection / unloading unit for selecting and discharging a product, an I / F unit for performing an interface for data transmission with an external device, a terminal I / F unit for performing wireless communication connection with a portable terminal, First and second I / F for interfacing data transmission with the outside
Unit, an MMS control unit that receives transaction account data from the mobile terminal and performs comprehensive control of product transactions, a credit determination unit that determines and outputs a credit amount limit from the transaction account data, and a transaction amount of a product selected by a user. Credit determining means having a reading unit for reading the amount of money to be read and a transaction determining unit for determining and outputting that a normal transaction has been performed, and a vending machine I storing a vending machine ID.
An MMS control unit including a D memory, a transaction data transmission unit having a transaction data generation notifying unit for generating and notifying transaction data when judging and outputting a normal transaction, and a packet communication device for outputting the transaction data in a packet communication. Communication means having an I / F section for controlling connection with the MMS control means, a packet communication center communicatively connected to the packet communication device, and a communication connection between the packet communication center and a dedicated communication line or a public communication line. An MMP server that performs transaction management of the vending machine and a process of requesting collection of a vending machine user is connected to the MMP server via a dedicated communication line or a public communication line, and is connected to the vending machine based on the collection request data from the MMP server. An MMB server that performs payment collection processing from the user's transaction account and an access point that authenticates the call data and Doo, via a dedicated communication line or a public communication line, constituted by the terminal packet communication center that the communication connection.

[0010] The MMS control means is further provided with an authentication requesting unit for transferring authentication data received from the portable terminal via the terminal I / F means to the MMB server without recognizing and registering the authentication data and requesting authentication. Server that sends the transaction amount of the purchased product selected by the user to the MMB server and authenticates that the transaction account is within the credit limit, or additionally installs a credit request unit that requests the credit limit data. An authentication data separation unit for separating authentication data from data received via the packet communication means is additionally installed, or credit limit data is separated from reception data received from the MMB server via the packet communication means. Add credit data separation unit.

In the portable terminal, a payment operation unit for receiving a remittance from the MMB server and performing a payment operation to the credit data memory is additionally installed, or authentication data such as an account ID, a password, or a password is input to the MMS operation unit. An additional authentication operation unit is installed.

[0012] An account allocation control unit that controls the allocation process of subtracting the account balance stored in the credit data memory with the transaction amount notified from the MMS control unit via the terminal I / F unit to the portable terminal. Or an account deposit control unit that performs remittance from the MMB server and performs deposit control to the credit data memory.

The portable terminal is additionally provided with a voice input terminal for inputting a voice signal to a mobile phone, and an analog modem unit for converting data to be transmitted to the MMB server into a voice signal and transmitting the signal.

[0014] The terminal I / F means may be a weak radio wave transmitting means for modulating and demodulating a weak radio wave and transmitting and communicating, an infrared transmitting means for modulating and demodulating infrared light and transmitting the communication, or an Ir-DA standard infrared ray. Transmission means.

[0015]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The configuration and operation of a vending machine payment system using a portable telephone will be schematically described with reference to the system configuration diagram of an embodiment of a vending machine payment system according to the present invention shown in FIG. I do. The vending machine payment system according to the embodiment includes a vending machine 1 that sells goods and service reservations, a vending machine user's mobile phone 20 that transmits call data to an access point by packet communication, and a price of a product purchased by the vending machine 1. A portable I / F for controlling connection between an account storage means 23 for storing transaction account data used for payment, an operation means 25 for performing a product purchase operation of the vending machine 1, and a mobile phone 20.
A portable terminal 2 having means 21 and a terminal I / F means 24 for performing wireless communication connection with the vending machine 1 and a transaction control means 22 for performing transaction control on the vending machine 1; Vending machine control means 30 for controlling the amount of money, product selection and product unloading, packet communication means 40 communicatively connected to the packet communication center 7, and vending machine control based on data received from the terminal I / F means 24. MMS control means 1 for controlling means 30
0, a packet communication center 7 communicatively connected to the packet communication means 40 of the vending machine 1, a packet communication center 7 and a dedicated communication line N6.
An MMP server 5 that communicates with the MMP and performs transaction management of the vending machine 1 and processing of a collection request from a vending machine user.
The MMP is connected to the server 5 via the dedicated communication line N6.
An MMB server 6 that performs a collection process from a transaction account of a vending machine user based on the collection request data from the server 5
And a terminal packet communication center 4 for authenticating call data and connecting to an access point via the dedicated communication line N1 or the public communication line 8.

The vending machine payment method will be described with reference to FIG. 4, which is an operation flowchart of an embodiment of the first and second mobile phone vending machine payment methods according to the present invention. The first vending machine payment method using mobile phones is
When the user performs a product purchase operation using the operation means 25, S
T1, the transaction control unit 22 sends the transaction account data stored in the account storage unit 23, the terminal ID of the mobile phone 1, the credit data, and the like to the MMS control unit 10 via the terminal I / F unit 24 (ST4). . The MMS control means 10 temporarily registers the transaction account data and the terminal ID, recognizes the credit limit, and issues a control command to the vending machine control means 30 to enable a product within the credit limit to be selected ST5. The vending machine control means 30 displays and outputs selectable products, and when the user selects a purchased product, unloads the product and notifies the MMS control means 10 of the transaction amount ST7. The MMS control means 10 sends transaction data such as the financial ID, account number, terminal ID, and transaction amount of the financial institution with which the user is trading to the packet communication center 7 via the packet communication means 40 (ST8). The transaction data is relayed by the packet communication center 7, sent to the corresponding MMP server 5, and
The P server 5 additionally registers the transaction data for each transaction and makes a collection request to the MMB server 6 via the dedicated communication line N7 (ST9). The MMB server 6 owned and operated by the financial institution collects the transaction amount of the corresponding product from the user's transaction account based on the transaction data described above, and then reduces the collection fee to the vendor company that operates the MMP server. ST10 for transferring money by transfer. The nature of the transaction account data stored in the account storage means in the first payment method is similar to the function of a general prepaid card.

In a second method of paying for a vending machine using a mobile phone, the above-described transaction account data has characteristics similar to those of a general credit card.
When the user performs a product purchase operation using the operation means 25, S
T1, the transaction control means 22 sends the transaction account data stored in the account storage means 23, the terminal ID of the mobile phone, etc. to the MMS control means 10 via the terminal I / F means 24 (ST4 '). The MMS control means 10 temporarily registers the transaction account data and the terminal ID, and issues a control command to the vending machine control means 30 to enable selection of a product in ST5 '.
The vending machine control means 30 displays and outputs selectable commodities.
T6 ′, prompts the user to select a purchased product. When the user selects the product, the vending machine control means 30 notifies the transaction amount of the selected product to the MMS control means 10 (ST7 ').
MMS control means 10 prompts the user to enter password data such as a password or a password of the transaction account in ST7.
A. When the password data is input, the financial ID of the financial institution,
ST7B in which an account number, a terminal ID, a transaction amount, a password or a password are authenticated and requested to the MMB server via the packet communication means 40. When the authentication is obtained from the MMB server, the MMS control unit 10 transmits the transaction data such as the financial ID of the financial institution, the account number, the terminal ID, and the transaction amount together with ST7C which issues a command to carry out the corresponding product to the vending machine control unit 30. The packet is sent to the packet communication center 7 via the packet communication means 40. The transaction data is relayed by the packet communication center 7 and sent to the corresponding MMP server 5 to be ST8. The MMP server 5 additionally registers the transaction data for each transaction and transmits the transaction data to the MMB server 6 via the dedicated communication line N7. ST9 for requesting collection.

A third method of paying for a vending machine using a mobile phone is such that the above-described characteristics of the transaction account data are changed to those of a general debit card. Therefore, MM
A bit card I / F for inserting a debit card into the S control means 10 and interfacing the debit card data
A part (not shown) was additionally installed. The operation at the time of product purchase is equivalent to the first vending machine payment method using a mobile phone.

In addition to the operation flow diagram of the first embodiment of the method of inputting the account amount to be stored and registered in the account storage means according to the present invention shown in FIG. 5, an account on the portable terminal 2 is changed from a transaction account on the MMB server 6. The transfer remittance method of (account amount stored and registered in the account storage means) will be described. The following operations and operations are involved in depositing an account (an account amount to be stored and registered in the account storage means) of the pseudo cash card of the vending machine payment method using the first mobile phone. The user is the mobile phone 20
, Input authentication data such as the address, account number, password or password of the MMB server 6 of the financial institution, and make a call. Terminal packet center 4 is mobile ID
ST21 for authenticating (generally a telephone number or a contract ID) and sending authentication data to the MMB server at the corresponding address. The MMB server authenticates the received authentication data by comparing and comparing the received authentication data with the authentication data registered in advance, and grants permission for remittance processing in ST22. The user inputs and transmits the desired amount of payment, but is sometimes required to confirm and input the authentication data again. The MMB server 6 performs the remittance process to the mobile terminal 2 within the balance of the transaction account, along with ST23,
The corresponding amount is transferred to a temporary mobile terminal account and the balance of the transaction account is reduced. Transaction control means 2 of mobile terminal 2
Step ST2 of additionally storing the received remittance amount in the account storage means 23. The account balance in account storage means 23 is displayed and output on display unit 20a of mobile phone 20 (ST25).

FIG. 3 is a block diagram of a main part of an embodiment of an MMS unit having a vending machine control means, an MMS control means, and a packet communication means built in or attached to the vending machine according to the present invention shown in FIG. A detailed configuration of a vending machine payment system using a mobile phone will be described in addition to a main block diagram of an embodiment of a mobile terminal according to the present invention. The vending machine price payment system according to the embodiment includes a vending machine 1 that sells goods and service reservations, and a mobile phone of a vending machine user who has an operation unit 20b and a display unit 20a and transmits call data to an access point by packet communication. 20
Mobile I / F means 2 having a transaction account communication control unit 21a for controlling communication of transaction account data with the mobile phone 20
1, an account ID memory 23a storing transaction account data used for payment of the price of the purchased product in the vending machine 1, a password memory 23b storing password data such as a password or a password, and a credit limit. Account storage means 23 having a credit data memory 23c
An operation means 25 having a connection operation unit 25a for performing a connection operation to the vending machine 1, a transaction account notifying unit 22a for notifying the vending machine 1 of transaction account data, and comparing the inputted password data with corresponding data in the password memory 23b. A transaction control unit 22 having a password confirmation unit 22c, a mobile terminal 2 having a terminal I / F unit 24 for performing wireless communication connection with a vending machine, a product storage unit 31 for storing sales products, and a vending machine 1
Amount recognition control unit 32 for recognizing and controlling the amount of money input to
And a product confirmation selection unit 33 for selecting a product, and a product data memory 36 for storing the quantity and unit price data of the sold product.
And a display control unit 37 for controlling display of available products and input amounts, a vending machine charging control unit 35 for performing selection control of corresponding products based on the input amounts and unit prices of selected products, and a vending machine charging control unit 35 The wireless communication connection between the vending machine control means 30 having the product selection and unloading section 34 for selecting and unloading a product based on the selection command, the I / F section 38 for performing an interface for data transmission with the outside, and the mobile terminal 2 Terminal I / F unit 11 and first and second I / F units 17A and 17B for interfacing data transmission with an external device
And an MMS control unit 12 that receives transaction account data from the mobile terminal 2 and performs comprehensive control of commodity transactions, and a credit determination unit 1 that determines and outputs a credit amount limit from the transaction account data.
3a, a credit determining unit 13 having a price reading unit 13c for reading the transaction amount of the product selected by the user, and a transaction determining unit 13b for determining and outputting that a normal transaction has been performed, and a vending machine storing a vending machine ID. An MMS control unit 10 including an ID memory 16, a transaction data transmitting unit 14 having a transaction data generation notifying unit 14 b for generating and notifying transaction data when determining and outputting a normal transaction, and outputs the transaction data by packet communication. A packet communication unit 40 having a packet communication unit 41, an I / F unit 42 for controlling connection with the MMS control unit 10, a packet communication center 7 connected to the packet communication unit, and a packet communication center 7; It is connected via a dedicated communication line N5 or a public communication line, and manages vending machine transactions and processes payment collection requests from vending machine users. And MMP server 5, MMP server 5
M that is communicatively connected to the dedicated communication line N7 or a public communication line, and performs a money collection process from a vending machine user's transaction account based on the money collection request data from the MMP server 5.
The standard configuration includes an MB server 6 and a terminal packet communication center 4 that authenticates call data and connects to an access point via a dedicated communication line N1 or a public communication line N2.

Further, the portable terminal 2 has a deposit operation unit 25c for receiving a remittance from the MMB server 6 and performing a deposit operation to the credit data memory, and an authentication operation unit 25b for inputting authentication data such as an account ID, a password or a password. , M
The account allocation control unit 22b, which controls the allocation processing for subtracting the account balance stored and registered in the credit data memory 23c with the transaction amount notified from the MS control unit 10 via the terminal I / F unit 24, the MMB server 6 Account deposit control unit 2 which receives remittance and controls deposit to credit data memory 23c
2d, audio input terminal A for inputting an audio signal to mobile phone 20
And an analog modem unit 21b for converting data to be transmitted to the MMB server 6 into an audio signal and transmitting the signal.

Further, the MMS control unit includes an authentication requesting unit for transferring authentication data received from the mobile terminal 2 via the terminal I / F unit 21 to the MMB server 6 without recognizing and registering the authentication data, and requesting authentication. 14b, a credit request unit 14c for transmitting the transaction amount of the purchased commodity selected by the user to the MMB server 6 and requesting that the user is within the credit limit of the transaction account of the user, and packet communication from the MMB server 6 An authentication data separating unit 15a for separating authentication data from received data received via the means 40; and a credit data separating unit for separating credit limit data from received data received from the MMB server 6 via the packet communication means 40. 1
5b is additionally provided.

A detailed description will be given of a user's product purchase operation and operation based on the first vending machine payment method using a mobile phone. The user of the vending machine 1 can use the mobile phone 2 capable of purchasing and paying for the product of the vending machine 1 and performing packet communication transmission.
By using the portable terminal 2 having “0”, the vending machine 1 performs a product purchase operation. First, the connection operation unit 25a is pressed with the mobile terminal 2 facing the vending machine 1. The transaction account notifying unit 22a uses the account ID
The account ID registered in the memory 23a is read and input to the communication control unit 24b. The communication control unit 24b controls communication of the terminal I / F unit 24a having a wireless transmission / reception function, and transmits transmission data obtained by adding an account ID to a predetermined communication command to the MMS control unit 10 built in the vending machine 1. Send out.

The terminal I / F unit 24 a modulates and demodulates a weak radio wave and transmits and transmits the weak radio wave, an infrared transmission means that modulates and demodulates and transmits the infrared light and transmits it.
It is possible to select a DA standard infrared transmission means or the like. With this wireless transmission / reception function, the portable terminal 2 can be regarded as a remote control device of a general vending machine.

Terminal I / F section 11 of MMS control means 10
Receives and demodulates the transmission data. MMS control unit 12
Is to temporarily register the terminal ID and give the transaction number,
The transaction acceptance permission is returned via the terminal I / F unit 11.
The transaction account notification unit 22a of the mobile terminal 2 reads the account data such as the financial ID of the transaction financial institution and the credit limit read from the credit data memory 23c via the terminal I / F unit 24 via the MMS control unit 10. To send to.

The MMS control unit 12 issues a display command to the display control unit 37 so that a product within the credit limit can be selected. The display control unit 37 displays the display unit 37a based on the display command.
Alternatively, a display is output to the built-in display unit of the product selection button unit 33a to prompt the user to select a product. When the user selects a product by pressing the product selection button unit 33 a, the product confirmation selection unit 33 recognizes the product and notifies the MMS control unit 12. The MMS control unit 12 issues a command to carry out the product to the product selection unit 34, and the product is carried out.

The transaction determination unit 13b determines that the product has been successfully unloaded, and notifies the MMS control unit 12 of the determination of a normal transaction. At the same time, the amount reading unit 13c reads the transaction amount of the commodity from the vending machine charging control unit 35 and notifies the MMS control unit 12. The MMS control unit 12 sends a terminal ID, a transaction number, a financial ID,
Transaction data such as an account ID, a transaction amount, and a vending machine ID stored in the vending machine ID memory 16 are generated, and a command is issued to output a notification.

The transaction data is sent to the packet communication center 7 via the packet communication device 41, and the packet communication center 7 recognizes the vending machine ID and
Transfer to P server 5. The MMP server 5 stores and registers the transaction data for each transaction, and stores the financial ID and the corresponding M
Recognize the address of the MB server. Further, an MMP server or an account address of a transfer destination is added to the transaction data to the MMB server 6 at the corresponding address, and a collection request is made.

A description will be given of a user's product purchase operation and operation based on a second vending machine payment method using a mobile phone, focusing on differences from the first vending machine payment method.
The steps from the product purchase operation of the vending machine 1 to the return of the transaction acceptance permission of the MMS control unit 12 are common to the first vending machine payment method, and therefore the description is omitted. Transaction account notification unit 2 of mobile terminal 2
2a transmits the transaction account data such as the financial ID and the account ID read from the credit data memory 23c to the MMS control means 10 via the terminal I / F means 24.

The MMS control unit 12 issues a display command to the display control unit 37 so that all products can be selected. Display control unit 3
7 outputs a display to the display unit 37a or the built-in display unit of the product selection button unit 33a based on the display command to urge the user to select a product. When the user selects a product by pressing the product selection button unit 33 a, the product confirmation selection unit 33 recognizes the product and notifies the MMS control unit 12. Amount reading unit 1
3c reads the transaction amount of the commodity from the vending machine charging control unit 35 and notifies the MMS control unit 12.

The MMS control unit 12 includes a credit request unit 14 c
Issue a credit request command to the credit request unit 14c,
A credit request for transaction account data such as an account ID is made to the MMB server 6 of the relevant financial institution via the packet communication device 41. The MMB server 6 reads out a preset credit limit based on the received transaction account data, and returns the credit limit as credit data. As a communication line between the MMP server 5 and the MMB server 6, a dedicated communication line is generally used from the viewpoint of maintaining security, but a general public line may be used by adding an advanced encryption technology.

The credit data separation unit 15b separates credit data from received data and separates and outputs a credit limit. When the MMS control unit 12 determines that the transaction amount is within the credit limit amount, the credit determination unit 13a outputs
The MMS control unit 12 issues a command to carry out the product to the product selection unit 34, and the product is carried out. The transaction determination unit 13b
It is determined that the unloading of the goods has been performed normally, and the determination of the normal transaction is notified to the MMS control unit 12. MMS control unit 12
Stores the terminal ID, the transaction number, the financial ID, the transaction amount, and the vending machine ID memory 16 in the transaction data generation notifying section 14a.
The transaction data such as the vending machine ID stored in the storage device is generated, and a command is issued to output the notification. Terminal I / F 1 at the same time
1, the account balance in the credit data memory 23c can be reduced. The following description is common to the first vending machine payment method and will not be described.

According to the third method of paying for a vending machine using a mobile phone, the user purchases and operates the merchandise according to the first method by using account data such as a financial ID of a financial institution and a credit limit amount. While stored and registered in the account storage means 23 built in the terminal 2, the data is stored in a debit card inserted into a removable debit card I / F unit (not shown). Therefore, security confirmation such as card owner confirmation and authentication is required. The steps up to "when the user presses the product selection button unit 33a to select a product and the product confirmation selection unit 33 recognizes the product and notifies the MMS control unit 12" are the same as in the first method. A detailed description will be given focusing on the security confirmation method thereafter.

The MMS control unit 12 sends a display command to the display control unit 37 to request the user to input password data such as a password or a password. When the user inputs password data from the authentication operation unit 25b of the portable terminal 2, the password data is sent to the authentication request unit 41b via the terminal I / F unit 24. The authentication request unit 41b transfers the password data to the corresponding MMB server 6 without storing it. The MMB server 6 collates the received password data with the password data registered in advance, and returns authentication data. The authentication data separation unit 15a separates the authentication data from the received data, and notifies the MMS control unit 12 of an authentication confirmation.

Another method of authentication confirmation is as follows. The password memory 23b is built in the David card, and password data is registered in advance, and the authentication operation unit 25b is used at the time of use.
The password data is input, and the password confirmation unit 22c generates the authentication data and sends it to the MMS control means via the terminal I / F means.

A supplementary explanation will be given on the method of inputting the account amount to be stored and registered in the account storage means. In the above-described method of inputting the account amount, the communication transmission between the mobile terminal 2 and the MMB server 6 uses the packet communication transmission means. However, in the case of a communication infrastructure having no packet communication transmission means, an audio signal is input to the mobile phone 20. The unit A and the additionally installed analog modem unit 21b transmit and receive data by voice signals. The calling voice signal of the mobile phone 20 is sent to the analog modem unit additionally provided in the input / output unit of the MMB server 5 via the voice communication line L2 and the mobile communication center 4A. According to this method, operation is possible in an area where the digital communication infrastructure is undeveloped.

[0037]

The present invention is embodied in the manner described above, and has the following effects. When the user performs a product purchase operation using the operation unit, the transaction control unit stores the transaction account data stored in the account storage unit and the terminal I of the mobile phone.
D, credit data, etc., via terminal I / F means
To the S control means, the MMS control means temporarily registers the transaction account data and the terminal ID, recognizes the credit limit, and issues a control command to the vending machine control means to enable selection of products within the credit limit. The vending machine control means displays and outputs selectable products, and when the user selects a purchased product, carries out the product and notifies the MMS control means of the transaction amount, and the MMS control means has a contract with the user. The transaction data such as the financial ID, account number, terminal ID, and transaction amount of the financial institution are sent to the packet communication center via the packet communication means, and the transaction data is relayed by the packet communication center and sent to the corresponding MMP server. The MMP
The server proposed a vending machine payment method using a mobile phone and a vending machine payment system that additionally registers transaction data for each transaction.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of an embodiment of a vending machine price payment system according to the present invention.

FIG. 2 is a main part block diagram of an embodiment of an MMS unit having a vending machine control means, an MMS control means, and a packet communication means built in or attached to the vending machine according to the present invention.

FIG. 3 is a block diagram of a main part of an embodiment of a portable terminal according to the present invention.

FIG. 4 is an operation flowchart of one embodiment of a first and second vending machine payment method using a mobile phone according to the present invention.

FIG. 5 is an operation flowchart of a first embodiment of a method of inputting an account amount to be stored and registered in account storage means according to the present invention.

[Explanation of symbols]

 A Voice input terminal L1, L3 Packet communication transmission line L2 Voice communication line N1, N6, N7 Dedicated communication line N4, N3, 8 Public communication line 1 Vending machine 2 Mobile terminal 3 MMS unit 4 Terminal packet communication center 4A Terminal communication center 5 MMP Server 6 MMB server 7 Packet communication center 10 MMS control means 11, 24a Terminal I / F unit 12 MMS control unit 13 Credit judgment means 13a Credit judgment unit 13b Transaction judgment unit 13c Price reading unit 14 Transaction data transmission means 14a Transaction data generation notification Unit 14b Authentication request unit 14c Credit request unit 15 Received data separation unit 15a Authentication data separation unit 15b Credit data separation unit 16 Vending machine ID memory 17A, 17B, 38, 42 I / F unit 20 Cellular phone 20a Display unit 21 Cellular I / F Means 21a Trading account Credit control unit 21b Analog modem unit 22 Transaction control means 22a Transaction account notification unit 22b Account allocation control unit 22c Password confirmation unit 22d Account deposit control unit 23 Account storage unit 23a Account ID memory 23b Password memory 23c Credit data memory 24 Terminal I / F Means 24b Communication control unit 25 Operation unit 25a Connection operation unit 25b Authentication operation unit 25c Deposit operation unit 30 Vending machine control unit 31 Product storage unit 32 Deposit amount recognition control unit 33 Product confirmation selection unit 33a Product selection button unit 34 Product selection unloading unit 35 Vending machine billing control unit 36 Product data memory 37 Display control unit 37a Display unit 40 Packet communication means 41 Packet communication machine

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 3E040 BA13 BA18 CB01 3E044 AA01 AA02 CA10 DC01 DE01 5B049 AA05 BB11 BB46 CC05 CC09 CC36 CC39 DD01 DD04 EE01 EE23 EE24 EE25 EE26 FF04 GG04 GG06 GG07

Claims (18)

[Claims] 1. A vending machine (hereinafter referred to as a vending machine) for selling goods and service reservations, a vending machine user's mobile phone for transmitting call data to an access point by packet communication, and a product purchased by the vending machine. Account storage means for storing transaction account data used for payment, operation means for performing a product purchase operation of the vending machine, portable I / F (interface) means for controlling connection with the mobile phone, and wireless communication with the vending machine A portable terminal having a terminal I / F means for connection and a transaction control means for performing transaction control on the vending machine; and a built-in or attached to the vending machine, which controls input amount of the vending machine, product selection and product delivery. Vending machine control means, a packet communication means communicatively connected to a packet communication center, and data received from the terminal I / F means. MM for controlling the vending machine control means on the basis of
An MMS unit having an S control means; a packet communication center communicatively connected to the packet communication means of the vending machine; and a communication connection with the packet communication center via a dedicated communication line for transaction management of the vending machine and a user of the vending machine (Mobile Money Provider) server that performs a collection request process from the MMP, and the MMP
An MMB (mobile money banking) server that is communicatively connected to a server via a dedicated communication line, and that performs a collection process from a transaction account of a vending machine user based on the collection request data from the MMP server; Authenticated, the access point, via a dedicated communication line or public communication line, and connected to the terminal packet communication center, using a vending machine payment system composed of a vending machine payment system, the user using the operating means, When you make a purchase,
The transaction control means sends the transaction account data, the mobile phone terminal ID, credit data, etc. stored in the account storage means to the MMS control means via the terminal I / F means, The control means temporarily registers the transaction account data and the terminal ID, recognizes the credit limit, and issues a control command to the vending machine control means to enable selection of a product within the credit limit, and the vending machine control means is capable of selecting. The product is displayed and output, and when the user selects a purchased product, the product is carried out and the transaction amount is notified to the MMS control means. The MMS control means transmits the financial ID ( Code number), account number, terminal ID,
The transaction data such as the transaction amount is sent to the packet communication center via the packet communication means, and the transaction data is relayed by the packet communication center and the corresponding MMP
A vending machine payment method using a mobile phone, wherein the method is sent to a server, and the MMP server additionally registers the transaction data for each transaction. 2. When a user performs a product purchase operation using the operation means using the payment system of the vending machine,
The transaction control means sends transaction account data stored in the account storage means, a terminal ID of the mobile phone, and the like to the MMS control means via the terminal I / F means,
The MMS control means includes the transaction account data and the terminal ID.
Is temporarily registered, and a control command for enabling product selection is issued to the vending machine control means. When the user selects a purchased product, the vending machine control means notifies the MMS control means of the transaction amount of the corresponding product, and The control means prompts the user to input authentication data, and upon receiving the authentication data from the portable terminal, the authentication data is transmitted to the MMB server via the packet communication center without being stored and registered at all, When the authentication is obtained from the MMB server, the MMS control unit issues a command to carry out the corresponding product to the vending machine control unit, and the financial ID, account number, terminal I
D, transaction data such as transaction amount is transmitted to the packet communication center via the packet communication means, and the transaction data is relayed by the packet communication center and the corresponding M
The method according to claim 1, wherein the transaction data is sent to an MP server, and the MMP server additionally registers the transaction data for each transaction. 3. A debit card I / F unit for interfacing debit card data is additionally installed in a portable terminal of the vending machine payment system, and when a user performs a product purchase operation using the operation means, The said transaction control means transmits payment account data stored in the said debit card, the terminal ID of the said mobile telephone, etc. to the said MMS control means via the said terminal I / F means. The method for paying for a vending machine using a mobile phone according to 1. 4. An input of an account amount stored and registered in the account storage unit using the vending machine payment system.
The terminal packet communication center transmits the access data such as the address of the MB server and the terminal ID to the terminal packet communication center by packet communication. The terminal packet communication center authenticates the terminal ID and transmits the access data to the corresponding MMB server. When the server receives the authentication data, such as a transaction account number, a password or a password, and the desired remittance amount data from the mobile terminal, the server compares the authentication data with pre-registered authentication data, and then requests the mobile terminal 2. The vending machine payment using a mobile phone according to claim 1, wherein remittance processing of the remittance amount is performed, and the portable terminal inputs and updates account balance data in the account storage means based on the remittance amount. Method. 5. A terminal communication center for exchanging and connecting voice signals of a mobile phone is additionally installed in the payment system of the vending machine, and the mobile terminal is operated by a telephone number of an MMB server of a business partner financial institution. And transmitting the access data such as the terminal ID and the address of the MMB server to the terminal communication center using an analog modem. The terminal communication center exchanges and transfers the access data to the MMB server of the corresponding telephone number. When the MMB server decodes the received data and receives the authentication data such as the transaction account number, the password or the password, and the desired remittance amount data,
After comparing the authentication data with the pre-registered authentication data, the mobile terminal performs remittance processing of the desired remittance amount, and the mobile terminal inputs account balance data of the account storage means based on the remittance amount. The method according to claim 1, wherein the vending machine is paid for using a mobile phone. 6. A vending machine (hereinafter referred to as a vending machine) for selling goods and service reservations, and a mobile phone of a vending machine user having an operation section and a display section and transmitting call data to an access point by packet communication. When,
A portable I / F unit having a transaction account communication control unit for controlling communication of transaction account data with the mobile phone; an account ID memory for storing transaction account data used for payment of purchased goods at the vending machine; Account storage means having a password memory storing password data such as a password or a password and a credit data memory storing a credit limit, and an operation means having a connection operation section for performing a connection operation to the vending machine A transaction control unit having a transaction account notifying unit for notifying the vending machine of transaction account data and a password confirmation unit for comparing and confirming the input authentication data with the corresponding data in the password memory; and establishing a wireless communication connection with the vending machine. A portable terminal having a terminal I / F means for carrying out the product, a product storage unit for storing products for sale, and a deposit for recognizing and controlling the amount of money to be charged to the vending machine. An amount recognition control unit, a product confirmation selection unit for selecting a product, a product data memory storing the quantity of sold products, unit price data, and a display control unit for performing display control of a salable product, an input amount, and the like. A vending machine charging control unit that performs selection control of the corresponding product based on the input amount and the unit price of the selected product, a product selection and unloading unit that selectively discharges the product based on a selection command of the vending machine charging control unit, and data of an external device. Vending machine control means having an I / F section for performing a transmission interface; a terminal I / F section for performing wireless communication connection with the portable terminal;
First and second I / F sections for interfacing data transmission with the outside, an MMS control section for receiving transaction account data from the portable terminal and performing comprehensive control of merchandise transactions, and credit from the transaction account data A credit judging unit having a credit judging unit for judging and outputting the amount limit, an amount reading unit for reading the transaction amount of the product selected by the user, and a transaction judging unit for judging and outputting that a normal transaction has been performed; MMS control means comprising a vending machine ID memory storing an ID (hereinafter referred to as a vending machine ID), and a transaction data transmitting means having a transaction data generation notifying section for generating and notifying transaction data when determining and outputting a normal transaction. And a packet communication unit having a packet communication unit for outputting the transaction data in a packet communication, and an I / F unit for controlling connection with the MMS control unit. A packet communication device and a packet communications center that is communicatively coupled, said packet communication center and communicatively connected by a dedicated communication line or a public communication line, MMP performing payment collection request processing from the transaction management and the vending machine user of the vending machine
(Mobile money provider) The server is connected to the MMP server via a dedicated communication line or a public communication line, and performs a collection process from a vending machine user's transaction account based on the collection request data from the MMP server. An MMB (Mobile Money Banking) server, receiving and authenticating the outgoing call data, and
A vending machine payment system using a mobile phone, comprising a terminal packet communication center for communication connection via a dedicated communication line or a public communication line. 7. The MMS control unit further includes an authentication requesting unit for transferring authentication data received from the portable terminal via the terminal I / F unit to the MMB server without recognizing and registering the authentication data, and requesting authentication. The vending machine payment system using a mobile phone according to claim 6, wherein the vending machine is installed. 8. The MMS control means sends a transaction amount of a purchased commodity selected by a user to the MMB server,
7. A vending machine payment using a mobile phone according to claim 6, wherein a credit request unit for requesting that the user is within the credit limit of the transaction account or requesting the credit limit data is additionally installed. system. 9. The MMS control unit further includes an authentication data separation unit for separating authentication data from received data received from the MMB server via a packet communication unit. Vending machine payment system using mobile phone. 10. A credit data separating unit for separating credit limit data from received data received from said MMB server via packet communication means in said MMS control means is additionally installed. Vending machine payment system using mobile phone as described. 11. The portable telephone according to claim 6, further comprising a depositing operation unit for receiving a remittance from the MMB server and performing a depositing operation to the credit data memory. Vending machine payment system. 12. The mobile phone according to claim 6, wherein an authentication operation unit for inputting authentication data such as the account ID, password, or personal identification number to the MMS operation unit is additionally installed in the mobile terminal. Use vending machine payment system. 13. The mobile terminal controls the allocation processing by subtracting the account balance stored and registered in the credit data memory with the transaction amount notified from the MMS control means via the terminal I / F means. 7. A vending machine payment system using a mobile phone according to claim 6, further comprising an account allocation control unit for performing the operation. 14. The mobile phone according to claim 6, further comprising an account deposit control unit for receiving a remittance from the MMB server and performing a deposit control to the credit data memory in the portable terminal. Vending machine payment system. 15. The mobile terminal, further comprising: an audio input terminal for inputting an audio signal to the mobile phone; and an analog modem unit for converting data to be transmitted to the MMB server into an audio signal and transmitting the signal. The vending machine payment system using a mobile phone according to claim 6. 16. The vending machine payment system using a mobile phone according to claim 6, wherein said terminal I / F means is a weak radio wave transmitting means for modulating and demodulating a weak radio wave and transmitting the result. 17. The vending machine payment system using a mobile phone according to claim 6, wherein said terminal I / F means is an infrared transmission means for modulating and demodulating infrared light and transmitting the communication. 18. The vending machine payment system using a mobile phone according to claim 6, wherein said terminal I / F means is an infrared transmission means of Ir-DA standard.