JP2002099862A - Electronic transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic transaction system using a marker for an electronic transaction settlement such as a bar code without the aid of a paper medium. SOLUTION: This system forms electronic transaction between a portable electronic information terminal 10 and a central processor unit 20. The bar code is displayed on the portable electronic information terminal 10 as settlement information. A consumer performs settlement at a settlement point by displaying the bar code on the portable information terminal 10 and reading by a bar code reader.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic settlement system used for electronic commerce, a portable terminal used for the system, and a portable information terminal used for the system and a control used for a central data processing device. The present invention relates to an apparatus and control means.

[0002]

2. Description of the Related Art As a system of this kind, Japanese Patent Laid-Open No.
As described in Japanese Patent No. 32046, as a settlement method when shopping on the Internet,
(1) The method of paying the goods to the delivery person when receiving the goods, (2) the method of paying the goods to the designated account of the bank or paying by bank transfer, and the method of (3) the settlement by credit card. It exists as a general payment system.

[0003] However, since these methods require a collection and transfer fee in addition to the price of the product, there are problems such as payment when receiving the product and transfer to a designated account being expensive. Further, the following settlement system is proposed in the publication.

[0004] This system uses an Internet terminal installed in a store, minimizes the cost of Internet shopping, is safe, and eliminates troubles between a purchaser and a virtual store dealer. Internet terminals installed in stores and the like are used by e-commerce users. The merchandise is referred to directly via the virtual store and the Internet 2, and the order is sent to the store controller 3 via the LAN, such as the order number and the purchaser's name.
The payment data is temporarily stored in the controller, and when the buyer makes a payment, the corresponding payment data is sent from the store controller to the POS register via the LAN, and payment is made with cash or a credit card. Issue a purchase copy, send payment data along with a payment completion notification from the POS register to the headquarters server via the store controller, send the payment completion notification and payment data from the headquarters server to the virtual store operator, and transfer the payment to the designated account I do.

[0005] As a development of this electronic commerce,
For example, as described in Japanese Patent Application Laid-Open No. 10-302126, there is a prepaid payment method using an electronic payment document using a barcode. This method is configured as follows.

An electronic currency used for settlement of shopping and commercial transactions on the Internet is converted into a prepaid card which can be purchased at a store such as a convenience store. Information necessary for electronic currency, such as a 10- to 16-digit personal identification number, is printed on this prepayment card as a bar code or the like, and the information is read for the first time at the point of sale when read by a POS terminal or the like. And make the amount valid as an electronic currency. Buyers settle their purchases and transactions on the Internet by using their personal identification number, up to the value of the prepaid card. This prepaid card does not have a value of 1 yen as a prepaid card until it is read by a POS terminal or the like, so that storage and distribution management in a store is simple and security is high.

[0007] Further, each time a buyer brings a settlement document on which a barcode is described to a store and a product is purchased,
Payment using cash or a credit card using an electronic terminal such as a POS terminal in a store is always performed.

[0008]

Problems to be Solved by the Invention
In the electronic transaction settlement system described in Japanese Unexamined Patent Application Publication No. 6-206, a purchaser or a consumer cannot order a product without going to a store where an Internet terminal is installed.

[0009] On the other hand, in a payment method using a paper medium such as a document or a document with an electronic payment mark such as a bar code for electronic payment, a consumer may lose or damage the paper medium. There's a problem. Barcodes store information on product types, prices, and purchasers in a standardized manner.They play an important role in electronic commerce. This is inconvenient for e-commerce companies and buyers.

Accordingly, an object of the present invention is to provide an electronic settlement system using an electronic transaction settlement sign such as a bar code without using a paper medium. SUMMARY OF THE INVENTION An object of the present invention is to provide an electronic settlement system that can reproduce electronic commerce information such as a barcode on a portable information terminal without using a paper medium. An object of the present invention is to provide a portable information terminal used in this electronic payment system.

[0011]

SUMMARY OF THE INVENTION The present invention relates to an electronic settlement system or an electronic information portable terminal capable of reproducing electronic settlement information accompanying electronic commerce on a portable information terminal.
That is, according to the present invention, a portable electronic information terminal and a central data processing device are connected to each other via a communication network, an electronic transaction is executed between them, and an electronic settlement associated with the electronic transaction is executed. In the settlement system, electronic settlement information is transmitted from the central data processing device to the portable information terminal, and the electronic settlement information is reproduced on the portable information terminal. A data reading terminal for reading the electronic settlement information reproduced on the information terminal, and electronic transaction executing means for transmitting the read electronic settlement information to the central data processing terminal to execute electronic settlement. Features.

[0012] The information for electronic payment obtained as a result of the electronic commerce is formed into an electronic payment sign such as a bar code, and this bar code is transmitted from the central data processing device to the portable information terminal device. The portable information terminal device reproduces, that is, displays an image corresponding to the electronic payment sign on a display. At a multi-store payment place or payment base equipped with an electronic terminal network such as a convenience store or family restaurant,
Electronic payment information such as a barcode displayed on the mobile terminal is scanned by the POS terminal in the store, and the electronic payment data included in the payment sign is sent from the mobile terminal to the central data processing device of the payment center. The purchaser executes payment by cash or credit card based on the payment data.

The electronic settlement information reproduced on the portable information terminal is mainly a sign such as a bar code. As a portable information terminal, i-
A main example is a mobile phone having a function capable of executing an Internet connection service called a mode or an easy web.

The barcode referred to in the present invention includes all barcode systems defined under known standards. The signs for electronic settlement referred to in the present invention include those that are independently standardized between an e-commerce company (such as a virtual store operator) and a settlement center.

Next, an embodiment of the present invention will be described. First, a functional block diagram of the present invention will be described.

FIG. 1 is a block diagram of an electronic commerce settlement system according to the present invention. In this system, a portable information terminal 10 such as a mobile phone and an information processing center 12 of the information terminal are connected. The information processing center 12 is connected to a server 14 of a virtual store establishment and management company via the Internet or a dedicated line. The consumer or the purchaser can use a mobile phone to connect to the server 14 of the virtual store dealer via the information processing center 12.

Next, the operation of the settlement system will be described. The buyer accesses the mobile phone to the top menu of the information service company's Internet connection service. Next, enter the Internet connection service from the top menu.

Various genres such as Internet connection service news, weather, travel, stock prices, shopping, etc. are prepared. Consumers can select a specific genre from these. Here, an operation when a shopping site is selected will be described.

After accessing the shopping site, the user selects a product type. When the type of product is selected, a list of virtual store dealers selling the product is displayed. Upon selecting a particular virtual merchant, the consumer accesses a server that provides that virtual merchant's home page.

When a specific product is determined, the consumer inputs personal identification information such as his / her own address, name, and e-mail address via a mobile phone. Payment methods for the amount depending on the product include cash on delivery, postal transfer, bank transfer,
Select from electronic payment methods such as credit card and convenience store payment.

Here, when the user selects the convenience store payment and selects a predetermined chain store from a plurality of chains, the server of the virtual store establishment company,
The electronic payment information is calculated from the product information such as the personal identification information, the product type, the model number, and the price of the product, and the electronic payment sign for the chain store selected from the electronic payment information is created. This electronic payment information is formed in the form of a barcode based on the barcode standard. This barcode is stored in a predetermined storage area of the server of the virtual store establishment company. The server sends bar code data as an electronic payment indicator in the form of image data to the consumer's mobile phone.

With the above, the order of the product by the purchaser is completed. Next, the purchaser goes to a settlement base (convenience store) 16 to settle the commodity price, and first accesses the server 14 of the above-mentioned virtual store using a mobile phone to transfer the barcode data to his / her own mobile phone. Download to phone. As a result of the download, a barcode image is displayed on the display on the front of the mobile phone. FIG. 2 shows a bar code displayed on the front of the mobile phone.

The bar code displayed on the front of the mobile phone is scanned by a bar code reader installed in the terminal device of the settlement base 16. The terminal device at the settlement base sends the barcode data to the central processing unit 20 that centrally manages the terminals at the settlement base, and calculates the price of the product. The price of the product is transmitted from the central processing unit to the POS register at the settlement base. Buyer can use cash, credit card,
Alternatively, when payment is made with various prepaid cards, the information is sent to the headquarters processing device 20.

When the headquarters processing device 20 transmits the fact that the electronic payment has been made to the virtual store operator 14 described above, the virtual store operator 14 entrusts the service to the home delivery company or the consumer by a method such as a postal parcel. Ships the ordered product to the consumer.

[0024]

As described above, according to the present invention, it is possible to provide an electronic settlement system using a sign for electronic transaction settlement such as a bar code without using a paper medium.
According to the present invention, it is possible to provide an electronic settlement system which can reproduce electronic commerce information such as a bar code on a portable information terminal without using a paper medium.
Further, according to the present invention, a portable information terminal used in the electronic payment system can be provided.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of a settlement system according to the present invention.

FIG. 2 is a front view of the mobile phone in which a bar code is shown on a liquid crystal display unit.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Cellular phone 12 Cellular phone 14 Virtual store establishment person (or its server) 16 Settlement base 20 Central processing unit

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (reference) H04M 11/00 302 H04B 7/26 109M F-term (reference) 5K067 AA34 BB21 DD51 EE02 EE12 FF02 FF23 5K101 KK17 LL12 MM07 NN03 NN18 SS07 TT06 UU16

Claims (8)

[Claims] 1. An electronic payment system in which a portable electronic information terminal and a central data processing device are connected to each other via a communication network, an electronic transaction is executed between them, and an electronic payment associated with the electronic transaction is executed. In the system, electronic settlement information is transmitted from the central data processing device to the portable information terminal, and the electronic settlement information is reproduced on the portable information terminal. An electronic settlement system comprising: a data reading terminal for reading electronic settlement information reproduced on a terminal; and electronic transaction executing means for transmitting the read electronic settlement information to the central data processing terminal to execute electronic settlement. . 2. The system according to claim 1, wherein said electronic payment information reproducing means is means for displaying electronic payment information on said portable information terminal. 3. The electronic settlement information includes a barcode including data necessary for electronic commerce, and the electronic settlement information reproducing unit includes a unit that displays the barcode on the portable information terminal. 3. The system according to 1 or 2. 4. The portable information terminal, when executing an electronic transaction at the settlement place, accesses the central data processing device and reproduces the electronic settlement information on the portable information terminal. 4. The system according to claim 1, further comprising means for taking in the data. 5. The system according to claim 1, wherein the portable information terminal has an Internet connection function. 6. A portable information terminal for executing a predetermined electronic transaction by accessing an electronic transaction space realized in a central data processing device via a communication network, wherein the central data processing device converts the electronic transaction to the electronic transaction space. Means for taking the associated electronic payment information into the portable information terminal, and electronic payment information reproducing means for reproducing the electronic payment information to the portable information terminal, wherein the electronic information reproduced by the portable information terminal at the electronic payment point is provided. A portable information terminal configured to read data for reading payment information and transmit the read electronic payment information to the central data processing terminal to execute electronic payment. 7. The electronic settlement information includes a barcode including data necessary for electronic commerce, and the electronic settlement information reproducing unit includes a unit that displays the barcode on the portable information terminal. 6. The terminal according to 6. 8. A storage medium or an electronic control device in which a program for causing the terminal and the central data processing device to execute the system according to claim 1 is stored.