JP2002150184A - Mobile communication terminal having price settlement function, and price settlement system preformed by using this mobile communication terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a carrier to settle a price by using a mobile communication terminal such as a portable telephone inserted of 'a purse' or 'a credit card'. SOLUTION: The portable telephone is lent to a lodger checking in a hotel. The lodger displays benefit information applied to buying of a commodity on a display of the cellphone when buying the commodity, and present this information to a store. An actual commodity buying price is inputted on the store side, and this price is transmitted to a center together with an identification number of the portable telephone. The center confirms whether or not a user account corresponding to the portable telephone identification number is effective in a server provided in the center, transmits a result to the portable telephone, accumulates a received commodity buying price in the user account, and settles the pride by credit processing. The hotel requests return of the length portable telephone at check out time, confirms the present balance of the user account, and collectively adjusts the price together with hotel charges.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mobile communication terminal having a payment function and a payment system using the mobile communication terminal.

[0002]

2. Description of the Related Art The present applicant has obtained Japanese Patent No. 2948752 relating to a "distribution system using interactive media". According to this patent invention, in response to a request from a commercial (advertisement) client (company), an advertisement broadcast relating to the product or service of the advertisement client is transmitted through a telephone line or a CA.
The information is distributed via a two-way communication means such as a TV or the Internet, and the advertisement viewing data indicating that the user has viewed the advertisement through a monitor is cumulatively recorded on a recording medium connected to the monitor.

[0003] This patent invention is the forerunner of so-called incentive-type commercials, and for advertisers, it is possible to enhance the effect of stimulating product demand by advertising and to clearly grasp the correlation between advertisement viewing and product demand (sales performance). Therefore, there is an advantage that marketing and ordering / ordering can be performed accurately and promptly. On the other hand, there is an advantage that a user can receive a privilege (incentive) according to cumulative viewing of advertisements.

[0004]

As a specific embodiment of the above-mentioned patent invention, a center operating a system constructs a shopping mall on the Internet, and a registered user obtains a privilege obtained by cumulative advertisement viewing as described above. It is conceivable that (points) are converted into electronic money and can be used as a price in shopping at the shopping mall. In such an embodiment, the recording medium that accumulates and records the advertisement viewing data can be considered as a “wallet” owned by the user.

[0005] In particular, a mobile communication terminal represented by a portable telephone is capable of bidirectional data communication through a telephone line, has a monitor (display) for displaying received data, and has a recording medium (memory). Because it is built-in, it is suitable for use in the system of the above-mentioned patented invention, and it is now very common to own one mobile phone, and the owner always carries the mobile phone. Since it is customary, it would be very convenient if this could be substituted for a "wallet".

[0006] Further, since the center is provided with a server for storing viewing records and acquired points for each user, the recorded contents in this server can be used as an aggregate of "purses" of each user. .

[0007] With the rapid spread of the Internet in recent years, so-called online shopping has been carried out for various commodities. For the payment, the conventional payment using a credit card, a prepaid card, a debit card, or the like. The method is adopted. At present, it is difficult to say that security is always sufficiently secured to perform settlement using these cards on the Internet, and there is always a risk of unauthorized use due to forgery of cards.

By the way, when a guest at an accommodation facility such as a hotel or a ryokan eats food or purchases at a restaurant or a merchandise store in the accommodation facility, a temporary payment is made simply by filling in the room number and signing the slip. In addition, this is added to the room rate and the like, and the total payment is made at the time of check-out. This system is simple and highly secure because it allows temporary settlement without cash. However, in general, this system is applied only to eating and drinking at tenants in the accommodation facility, and cannot be used for eating and drinking outside the accommodation facility.

[0009]

SUMMARY OF THE INVENTION Accordingly, an object of the present invention is to further develop the above-mentioned patented invention proposed by the present applicant, and to provide a mobile communication terminal such as a mobile phone with a payment function. .

[0010] To achieve this object, according to the present invention, in a mobile communication terminal including a receiving means, a display means, an input means, and a transmitting means, product information including a product price is provided. Is received by the receiving means, the product information received by the receiving means is displayed by the display means, and the actual product purchase price is input by the input means with reference to the product information displayed on the display means, and is input by the input means. A mobile communication terminal having a payment settlement function, characterized in that the product purchase price is transmitted to a center by a transmission means together with a unique terminal identification number given to each mobile communication terminal.

According to a second aspect of the present invention, in the mobile communication terminal according to the first aspect, the merchandise information includes information on a privilege at the time of purchasing the merchandise, and is calculated with reference to the privilege information. The actual product purchase price is input by the input means.

Another object of the present invention is to allow a carrier to use a mobile communication terminal in place of a "wallet" or a "credit card" to make a payment, especially for a hotel or other accommodation facility. It is an object of the present invention to provide a new system that can be used as a payment for food and drink and the like outside the accommodation facility.

According to a third aspect of the present invention, there is provided a payment system using the mobile communication terminal according to the first or second aspect, wherein the mobile communication terminal is carried by a user. When the merchandise information is displayed on the display means and presented to the store, the actual merchandise purchase price is input at the store through the input means of the mobile communication terminal, and the input merchandise purchase is performed. The center, which has transmitted the price to the center via the transmitting means of the mobile communication terminal and received the product purchase price together with the terminal identification number unique to the mobile communication terminal, transmits the terminal identification number to the server provided at the center. It is characterized in that whether or not the user account corresponding to is valid is transmitted to the mobile communication terminal and the received product purchase price is stored in the user account.

According to a fourth aspect of the present invention, each of the mobile communication terminals carried by the user can communicate with the center via the transmitting means and the receiving means. A payment settlement system using a terminal, wherein the center comprises: a receiving means for receiving a commodity purchase price and an identification number unique to the mobile communication terminal input through an input means of the mobile communication terminal; A server capable of accumulating and recording the product purchase price of the user for each user account corresponding to the identification number unique to the mobile communication terminal, and when the receiving means receives the product purchase price and the identification number unique to the mobile communication terminal. Determining means for determining whether a user account corresponding to the identification number unique to the mobile communication terminal is valid, wherein the identification information unique to the mobile communication terminal received by the determination means is provided. And wherein a product purchase price thus received to accumulate recorded in the valid user account when it is determined that the user account corresponding is valid items.

According to a fifth aspect of the present invention, in the payment settlement system according to the third or fourth aspect, the user is a guest of the accommodation facility, and the mobile communication terminal is lent to the guest from the accommodation facility. It is characterized by that.

According to a sixth aspect of the present invention, in the payment settlement system performed by using the mobile communication terminal according to the fifth aspect, the center is arranged so that the guest can rent the mobile communication terminal from the accommodation facility. Acquiring information indicating that the user is staying, and determining whether the user account corresponding to the terminal identification number transmitted from the mobile communication terminal is valid based on the information. .

According to a seventh aspect of the present invention, in the payment settlement system using the mobile communication terminal according to the fifth or sixth aspect, each mobile communication terminal has a unique identification number and a room number indicating an accommodation facility. , And a user account is set in the server of the center corresponding to the terminal identification number.

According to an eighth aspect of the present invention, in the payment settlement system using the mobile communication terminal according to the third or fourth aspect, a mail address registered in each mobile communication terminal is stored in the mobile communication terminal. It is characterized by a unique identification number.

In the present invention, "mobile communication terminal"
Specifically, mobile phones, PHS, car phones, PDAs
And so on.

Further, in the present invention, the "product" includes not only a product as a tangible thing sold at a store (including a virtual store at a shopping mall on the Internet), but also a so-called intangible service. It is a concept. For example, food and drinks offered at restaurants,
Haircuts provided at barber shops and beauty salons, photography in photo studios, movies screened in movie theaters, various software such as videos and CDs rented at rental shops, various devices such as video cameras, and other rules for enforcement of the Trademark Law Various services exemplified in Appendix Tables 35 to 42 are also included in the “goods” of the present invention.

In this case, “purchase of goods” means receiving the provision of the service, and “purchase price of goods” means that the user pays the provision of the service to the provider of the service. Means the price to be paid.

[0022]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Before describing an embodiment of the present invention, a commodity information distribution system as a premise thereof will be described with reference to FIG.
This will be described with reference to FIG. This system includes a system center 1 that manages and operates the entire system, a client 2 that contracts with the system center to request distribution of product information (advertisement), and a mobile communication terminal (hereinafter, referred to as a client device) that can browse the product information of the client. , A mobile phone).

The system center 1 establishes a homepage 4 on the Internet, and posts product information according to each client's request on this homepage. Each user can access this home page through the contract provider 5, and can display and browse product information on the display 11 (FIG. 2) of the mobile phone.

Since the product information of a large number of clients can be posted on the homepage, the user can easily and quickly browse information on a desired product or service (hereinafter simply referred to as a product) in a hierarchical structure. Is preferred. For example, the user first opens the index page and selects the type of product or service that he or she wants to view. Here, for example, if "automobile" is selected, then a menu of automobile manufacturers, which are contract clients, is displayed on the menu, and if one automobile maker is selected from the menu, the model of the maker is displayed on the menu. When one vehicle type is selected, information on that vehicle type is displayed.

In order to use this service, the user must in principle register as a member. Member registration is possible on the homepage. At the time of registration, the user's address, name, gender, date of birth, phone number, email address,
The user is requested to input occupation, annual income, family structure, hobbies, and the like. By registering such user profile data, various marketing research can be performed in accordance with conditions such as age, region, and the like, such as browsing tendency (products of interest in which field) and online shopping results. It can be performed.

Further, the client can arbitrarily combine these user profile data and set conditions to distribute information in the form of e-mail only to users who satisfy specific conditions (age, gender, etc.). In this case, a viewing point (described later) is described in the electronic mail. Alternatively, even when distributing information on the homepage, if the client sets specific conditions for specific products, it must be set so that users who do not meet the conditions can not browse the product information Is possible. In this way, it is possible to narrow down the user layer that can be browsed on the client side, and it is possible to eliminate “hidden” browsing that is less likely to lead to product purchase.

When the user profile data is input and transmitted, a unique ID number is given to the user, and the user registration is completed by transmitting the password input by the user. The server 7 provided in the system center 1 sets an account (account, hereinafter, referred to as a user account) for each registered user, and records a browsing point described later, a purchase price of goods to be settled by credit, and the like in the user account. The user account is managed by the user's ID number and password.

When requesting the distribution of product information from the system center, the client sets a browsing point to be given to the user when the user browses the information. The browsing points are displayed on a product information browsing screen that can be browsed on the homepage, and the user who browses the product information can recognize the number of browsing points acquired thereby.

How to set the browsing point is optional for the client. If the browsing point is set relatively high, the merits when the user purchases the product will increase, and the effect of inviting purchase will be increased. The browsing points are given for one browsing of a specific product or product information of a specific client, but whether or not browsing points can be accumulated for a plurality of browsing, an addition rate when accumulating. Or the setting of the upper limit is also optional for the client.

Further, the expiration date can be given to the browsing point. It is practical that the expiration date is several months to one year from the date of issue (viewing date). By setting the expiration date in this way, the user's willingness to purchase a product can be increased, and the possibility that the cost required for information distribution can be recovered in a short time for the client increases.

The client can assign a type to the browsing point. That is, it is possible to arbitrarily set, as the browsing point, either a limited point that is valid only when a specific product or a product provided by a specific client is purchased, or a non-limited point that does not specify a product or a client. Here, the limited points are called closed money, and the unlimited points are called open money.

In this case, the memory 12 (FIG. 2) built into each user's mobile phone stores, when viewing the product information targeted for the close money, the close money for each product or client related to the information. The first to store
And a second storage area for storing open money when viewing product information targeted for open money. Close money stored for each product or each client in the first storage area is valid only when the user purchases the specific product or the product provided by the specific client, and is stored in the second storage area. The stored open money is widely effective in non-restrictive product purchases.

FIG. 2 is a block diagram showing a schematic configuration of a portable telephone carried by each user. The CPU (central processing unit) 10 for performing data processing and operation control of each unit,
It has a display 11, a memory 12, and an input device 13 connected to the PU 10. Further, a communication control device 15 is connected to the CPU 10 via an interface (I / F) 14, and reception data (advertising viewing data) received from the telephone line by the antenna 16 is processed by the CPU 10 and displayed on the display 11. The data stored in the memory 12 and processed by the CPU 10 are transmitted from the antenna 16 via a telephone line.

In a mobile phone, the display 11 is generally configured as a liquid crystal display device, the memory 12 is generally configured as a memory chip or an IC card, and the input device 13 is generally a key arrangement including ten keys and other operation keys, a jog dial, and a touch panel. Etc., but is not particularly limited. As described above, the memory 12
Has an area 121 for storing closed money and an area 122 for storing open money. The storage contents (balance and history of close money and open money) stored in the areas 121 and 122 of the mobile phone memory 12 of each user are the same as the storage contents of the user account in the server 7 provided in the system center 1.

The user can display the current balance of the closed money and the open money stored in the areas 121 and 122 of the memory 12 on the display 11 by a required operation on the input device 13 of the mobile phone to confirm the current balance. Can be. FIG. 3 shows an example of the display screen in this case. Here, for example,
When the item number “1” of “confectionery” is designated, the history of close money for the client may be displayed on the screen. In this way, the user can check the balance and history of a deposit in a bank or a post office in the same way as when depositing at a bank or a post office. It can be stored (deposited) in the form of electronic money, and its current balance and history can be confirmed on a screen (passbook) displayed on the display 11 of the mobile phone.

In the homepage 4, a shopping mall is provided in which various products of each client can be purchased online in addition to the product information of each client. Alternatively, the configuration may be such that when the user is accessing specific product information, the product related to the information can be purchased on the display screen. When the user purchases a product via the input device 13 of the mobile phone, the order is transmitted to the system center 1. The system center 1 creates delivery data corresponding to the product order and requests the distribution center 6 to deliver the product. The distribution center 6 receives the merchandise from the client 2 or an affiliated company and delivers the merchandise to the user home of the order source or another designated place.

In the above product information distribution system,
A description has been given on the assumption that a predetermined browsing point is given to a user who browses the product information as a privilege at the time of purchasing the product, and that this is used for the subsequent purchase of the product. The display 1
In the case of displaying on the mobile phone 1, the user always carries the mobile phone, and presents the corresponding product information (with a privilege) on the spot at a store or the like where the product is purchased or provided with the service. It is considered more practical to adopt an embodiment in which product purchase and service provision can be received with the above.

For example, a user who wants to eat French cuisine in Ginza receives information of a corresponding restaurant on a mobile phone, selects a restaurant having a privilege of "5% discount on food and drink" from the information, and selects the restaurant. To present the information screen. Thus, the user can receive a 5% discount privilege on the food and drink rate at the restaurant.

The present invention described below assumes the above-described embodiment, and a user who is a guest of an accommodation facility (hereinafter referred to as a hotel) pays for food and drink outside the hotel. The system is configured so that payment can be performed by a mobile communication terminal (hereinafter, referred to as a mobile phone). Hereinafter, this will be described in detail with reference to the flowchart of FIG.

The hotel checks in the guest at the front desk (S1). Data on the guest who checked in is stored in a guest database provided in the hotel. At least the guest's name, room number, check-in date and time, and check-out date and time are stored in the guest database.

The check-in procedure itself is the same as that performed conventionally, but in the present invention, two special processes are performed in association with the check-in.

One is to lend a mobile phone to the checked-in guest (S2). The mobile phone is owned by the hotel under a contract with a communication company, and the guest can use the rented mobile phone to call a desired destination. The call charges will be borne by the guest, and will be settled together with other charges at check-out. In addition, as will be described later, this mobile phone is used as a tool for temporary settlement by using a loaned guest instead of a wallet when eating and drinking outside the hotel.

The mobile phone is given a unique identification number indicating the hotel identification number and the room number of the rented guest in advance. For example, an identification number "1000" for identifying one hotel (a hotel located in Ginza, Chuo-ku, Tokyo) and a room number "123" for that hotel
A mobile phone having an identification number “10001234” obtained by combining “4” with “1” is lent to a guest who checks in to stay in room “1234” of the hotel.

As described above, the benefits (browsing points) possessed by each registered user are also stored in the server 7 provided in the system center 1 with the same contents, but in the present invention, the server 7 is only the registered user. Rather, it has an area to store points about hotel guests. That is, a user account (account) is set in the server 7 corresponding to the identification number of the mobile phone lent to the guest. The server 7 is only informed of the identification number of the mobile phone, and does not leak the guest's name or other personal information at all, thus protecting the privacy. On the other hand, the hotel can identify the guest by comparing the identification number of the mobile phone with a database provided in the hotel.

The point stored in the user account corresponding to the identification number of the mobile phone for the hotel guest in the server 7 indicates not the privilege itself given by browsing the information but the actual payment price after applying the privilege. It can be understood as a negative point belonging to open money. For example, if open money given by browsing information is accumulated as a plus point in the registered user's account, if the loaned mobile phone is provisionally settled instead of a wallet, the payment price will be The user account corresponding to the identification number (in the above example, "1000123
4) is stored as a minus point in the open money column of the user account).

Another special process performed in association with the check-in is to make the user account of the guest in the server 7 of the system center 1 valid (usable) (S3). Since the user account corresponds to the identification number of the mobile phone, by transmitting this identification number to the system center 1 after check-in, the valid flag of the user account corresponding to this identification number is turned on and thereafter turned off. Until this user account is available.

Incidentally, in the flowchart of FIG.
Although it is shown that S3 processing is performed after 2 processing,
The order of these processes is unquestionable.

It is assumed that two guests rented a mobile phone having an identification number of "10001234" desire to have dinner at a nearby sushi restaurant. Guests are often uninformed about the area around the hotel, so if there are any sushi restaurants nearby, what are the characteristics of those sushi restaurants, how much is the food and drink price, Often you will want to get information such as whether a benefit can be applied. Therefore, the guest collects necessary information through the lent mobile phone (S4).

More specifically, this information collection will be described. For example, when "gourmet" is selected from the menu screen displayed on the display 11 of the mobile phone, a screen for selecting the selection condition is displayed. Here, for example, if "Kanto" is selected as the area, "Tokyo" as the prefecture, "Chuo-ku" as the municipalities, and "Sushi" as the genre, a store list screen as shown in FIG. Is done. Here, an asterisk following a sushi restaurant name means that a certain privilege (coupon) is applied to food and drink at the sushi restaurant.

When "Asahi Sushi" with a privilege is selected from the store list screen of FIG. 4, detailed information of the sushi restaurant is displayed on the display 11. An example of the detailed information screen of "Asahi Sushi" is shown in FIG. This detailed information includes an indication of the presence or absence of a coupon. Since “Asahi Sushi” is a coupon applicable store, “coupon available” is displayed.

[0051] Then, when the display part of "coupon available" is clicked, "one draft beer service", "food and beverage fee 5%"
A privilege set by the store, such as “pull”, is displayed. If there are any applicable conditions (for example, "valid only when presented at the time of order", "exempt from lunch", "applicable to 2 people", "cannot be used with other services", etc.) Is displayed. FIG. 6 shows an example of the coupon information screen of “Asahi Sushi”. Note that such coupon information may be displayed on the detailed information screen (FIG. 5).

As a result of the information collection described above, a case will be described in which two guests wish to go to "Asahi Sushi" and eat and drink by applying the privilege of "10% discount on food and drink". Guests go to the store with reference to information such as the address and the nearest station on the detailed information screen (FIG. 5) of “Asahi Sushi”.

After eating and drinking, the coupon information screen of "Asahi Sushi" (FIG. 6) is displayed on the display 11 of the mobile phone and presented to the clerk at the cash register (S5). The coupon application conditions for “Asahi Sushi” are “up to 2 people”, “no lunch”, and “present at checkout”, so all the application conditions are satisfied in this case.

The clerk of "Asahi Sushi" receives this mobile phone, and inputs a store number and an amount (food and drink fee) predetermined for identifying "Asahi Sushi" in the clerk input field. Click Submit. In the amount column, for example, assuming that the food and beverage charge for “Asahi Sushi” is 10,000 yen in the above example, the benefit of “10% discount on food and beverage” is applied to this, so the food and beverage charge is 9,0
It is discounted to 00 yen, and the amount of 9,450 yen, which is obtained by adding 5% of the consumption tax, is input. The store number and the amount of money thus entered are identified by the identification number “10” of the mobile phone.
001234 "is transmitted to the system center 1 (S6).

The system center 1 refers to the user account corresponding to the mobile phone identification number “10001234” received by the server 7 and determines whether or not this user account is currently valid (whether the valid flag is ON or not, OF
F). Here, the identification number “1000”
Since the guest lent the mobile phone of “1234” has checked in and has not yet checked out, it is confirmed that the user account corresponding to this mobile phone identification number is currently valid. Therefore, the amount of money is input into the open money storage area of this user account (S7). In the above example, the amount is 9,450 yen, so if the point conversion rate is 1 yen = 1 point, minus 9,450 points will be “1000”.
1234 "(FIG. 7).

Although the current number of points is merely displayed in the user account record contents shown in FIG. 7, the use details (use date and time, store number, etc.) are actually recorded each time the use is made. . In addition, since it is rare that close money is accumulated in a user account for a hotel guest, only an open money storage area may be provided.

When the system center 1 confirms that the user account corresponding to the mobile phone identification number received in S6 is currently valid, it returns a confirmation message to the mobile phone (S8).

When the confirmation message is received, "OK" is displayed in the center confirmation column of the coupon information screen (FIG. 6) of the mobile phone.
This is confirmed on the side of the store "Asahi Sushi" by the display being turned on, etc., and the hotel charges a food and drink fee for which credit has been settled (S9).

Through the series of processes in S4 to S9, it is possible to select a store to be actually used from the collected information and to make a credit settlement of the usage fee at the store using a mobile phone as a payment tool. When the guest uses the rented mobile phone as a payment tool a plurality of times, a series of processing of S4 to S9 is repeated each time the user uses the mobile phone.

The usage fee is settled together when the guest checks out the hotel (S10). That is,
The hotel requests the return of the cell phone lent to the guest at the time of check-out, communicates with the system center 1 and
Confirms the current balance points recorded in the user account corresponding to the mobile phone identification number. For example, if the guest pays for the "Asahi sushi" food and drink only on the loaned mobile phone, the balance of minus 9,450 points (Fig. 7) is checked at checkout. The 9,450 yen corresponding to this point is added to the room charge and the like and charged to the guest (S10). The guest pays for this in a lump sum using any payment method permitted by the hotel, such as cash, credit card, check, etc.

If the price settled at the time of check-out includes a food and drink fee outside the hotel and the like, the amount requested from the store in use (“Asahi Sushi”) is paid to the store in S9.

When the hotel receives a return of the mobile phone from the guest at check-out, the system center 1 disables the user account corresponding to the mobile phone identification number (turns off the valid flag). Send a command to

In S7, if the system center 1 confirms that the corresponding user account is currently invalid, the credit processing of the usage fee for the matter transmitted from the store in S6 is not permitted. In this case, S
At 8, an invalid confirmation message is transmitted to the mobile phone, and the “NO” display is turned on in the center confirmation column of the coupon information screen (FIG. 6) of the mobile phone. When the store “Asahi Sushi” confirms this, it informs the user that credit processing is not possible using a mobile phone as a payment tool, and uses cash or other general payment methods. Ask for payment.

At S7, one of the typical cases where the corresponding user account is confirmed by the system center 1 to be currently invalid is that there is currently no guest in the hotel room corresponding to the mobile phone identification number. Is the case. As described above, the period during which a mobile phone loaned from a hotel to a guest can be used as a payment tool is limited to the period from check-in to check-out, that is, during the hotel stay. Even if the user attempts to use the supplementary mobile phone for fraudulent payment, the user account corresponding to the mobile phone identification number is currently invalid. Rejected.

If the guest has lost or stolen the rented mobile phone, the hotel informs the hotel of this fact and the hotel immediately responds to the system center with the identification number of the mobile phone. To disable the user account you want to use. If the user account is invalidated in response to this, the mobile phone can no longer be used for payment, and unauthorized use by a finder or a thief can be prevented.

The selection, click, input, and the like in the mobile phone described in the above description are performed by operating the input device 13. The underlined portion of the display 11 of the mobile phone corresponds to the input device 1.
3 is clickable.

According to the payment system according to one embodiment of the present invention described above, a guest of an accommodation facility such as a hotel receives a lending of a mobile communication terminal such as a mobile phone from the accommodation facility, and is provided to the accommodation facility. During stay, this mobile communication terminal can be used as a payment tool instead of a credit card, but the present invention is not limited to such an embodiment.

According to another embodiment of the present invention, a guest does not receive a mobile communication terminal from an accommodation facility,
By using the mobile communication terminal owned or owned by the user, the user can similarly use the mobile communication terminal as a tool for payment instead of a credit card while staying at the accommodation facility. In the case of such an embodiment, since the identification number indicating the accommodation facility or the room number cannot be added in advance as the identification number unique to the mobile communication terminal, the user has already registered in the mobile communication terminal. It is practical to treat the information being used as a unique identification number. For example, if a mail address has already been set in the user's mobile communication terminal, this mail address can be treated as a unique identification number.

The processing flow in this embodiment will be briefly described. The accommodation facility checks the mail address of the guest's mobile communication terminal at check-in (S1 in the flow of FIG. 3), and sends it to the system center 1. Send.
Of course, S2 is not performed. The system center registers the guest as a temporary member by setting a new user account in the server 7 in correspondence with the received mail address, and turns on the valid flag of the user account (S3). Subsequent processes in S4 to S9 are performed in the same manner as in the above-described embodiment. After the settlement process at the time of checkout in S10 is completed, the set user account is deleted.

Further, the present invention is not limited to the embodiment in which the guest of the accommodation facility is a user, but can be applied to a user who performs shopping in a certain area such as a department store or a shopping street. . In this case, lending the mobile communication terminal (S2) or temporary membership registration based on the user's mobile communication terminal as described above is performed for the user who wants to enter the department store or the shopping mall, and the department store is processed. This mobile communication terminal can be used for payments as if it were a credit card for shopping in shopping malls and the like. Perform (S10).

In the above embodiment, the provisional settlement function is provided to the mobile communication terminal, and the settlement is finally made by cash or credit card at the time of hotel check-out. In order to further enhance the payment function of the mobile communication terminal, it is preferable that the mobile communication terminal itself can be used for payment as in the case of a credit card. The present invention allows such an embodiment. As described above, since a user account is set for each user in the server 7 of the system center, by giving credit information to the user account and managing it, the system center 1 can perform the credit processing of each user. Becomes For example, if there is a purchase of a product exceeding the preset usage limit, or if a payment failure due to insufficient balance or the like occurs, the valid flag of the user account is set to NO and the mobile communication terminal after that. Credit settlement becomes impossible. Such processing is substantially the same as the credit processing performed at the time of payment by a credit card.

Further, in the present invention, as described above, a privilege (open money, closed money) associated with browsing the product information is given to the registered user and accumulated in the user account of the user. For example, in the above example, the food and drink price for “Asahi Sushi” was 9,4
If it is assumed that the user has already obtained 5,000 yen of open money when crediting 50 yen with the mobile communication terminal, the user desires such payment and “Asahi Sushi” If this is allowed, open money may be applied to payment of 9,450 yen, and 4,450 yen may be actually paid as the offset amount. In this way, each user can freely use his or her user account stored in the server 7 as a “purse” or “account” by “depositing” (accumulating open money and closed money) and “drawing out” (commodity) Payment such as purchase can be made by credit settlement using a mobile communication terminal), and a system operation that is safe and easy to use is performed.

Further, as described above, since a registered user is set in advance with a user account managed by the user's ID number and password, an identification number unique to the mobile communication terminal (for example, a mail address) Is registered in the system center, and the system center can specify the corresponding user only by transmitting the identification number from the mobile communication terminal.

Further, in the above-described embodiment, the case where the merchandise information including the privilege at the time of product purchase is obtained and the credit settlement is performed has been described. However, the privilege information is not essential, and the merchandise information not including the privilege information (for example, Of course, it is also possible to obtain “Ichimaru Sushi”, “Okame Sushi”, and “Senryo Sushi” on the store list screen in FIG. Even in such an embodiment, the usefulness of the present invention in which the mobile communication terminal is used as a credit settlement tool is not impaired at all.

[0075]

As described above, according to the present invention, the mobile phone itself can be used as a tool for payment, so that not only cash but also credit cards, prepaid cards, debit cards, etc. are unnecessary. , Security is also very high.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing a product information distribution system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a schematic configuration of a mobile phone carried by each user in the system of FIG. 1;

FIG. 3 is a flowchart showing a processing flow in a system in which a user who is a hotel guest can make payment for food and drink and the like outside the hotel by using a mobile phone.

FIG. 4 is an explanatory diagram showing an example of a store list screen displayed on a display of a mobile phone.

FIG. 5 is an explanatory diagram showing an example of a detailed information screen displayed on a display of a mobile phone.

FIG. 6 is an explanatory diagram showing an example of a coupon information screen displayed on a display of a mobile phone.

FIG. 7 is an explanatory diagram illustrating data contents stored as a user account corresponding to a mobile phone identification number in a server of a system center;

[Explanation of symbols]

Reference Signs List 1 system center 2 client 3 user 4 homepage 5 provider 6 distribution center 10 CPU (memory rewriting means) 11 display 12 memory 121 first storage area for storing close money (limited viewing point) 122 open money (unlimited viewing point) Storage area for storing data 13 input device 14 interface 15 communication control device 16 antenna

Claims (8)

[Claims] In a mobile communication terminal comprising a receiving means, a display means, an input means, and a transmitting means, product information including a price of a product is received by the receiving means, and the product information received by the receiving means is provided. Is displayed by the display means, the actual purchase price is input by the input means with reference to the product information displayed on the display means, and the purchase price input by the input means is given to each mobile communication terminal. A mobile communication terminal having a payment function, wherein the mobile communication terminal is transmitted to a center by a transmission unit together with a unique terminal identification number. 2. The merchandise information includes information on a privilege at the time of purchasing the merchandise, and an actual merchandise purchase price calculated with reference to the privilege information is input by an input means. The mobile communication terminal according to claim 1. 3. A payment system using the mobile communication terminal according to claim 1 or 2, wherein the store information is displayed on display means of the mobile communication terminal carried by the user. At the store, the actual purchase price of the merchandise is input at the store via the input means of the mobile communication terminal, and the inputted purchase price of the merchandise is sent to the center via the transmission means of the mobile communication terminal. The center that has received the product purchase price together with the terminal identification number unique to the mobile communication terminal checks whether the user account corresponding to the terminal identification number is valid in a server provided in the center. And transmitting to the mobile communication terminal and storing the received product purchase price in the user account. 4. A payment system using the mobile communication terminal according to claim 1 or 2, wherein each mobile communication terminal carried by the user is transmitted to and received from a center via a transmission means and a reception means. The center is communicable, and the center is a receiving means for receiving the purchase price of the goods and an identification number unique to the mobile communication terminal input through the input means of the mobile communication terminal; and an identification number unique to the mobile communication terminal. A server that can store and record the purchase price of the user for each user account corresponding to the user account, and the receiving unit receives the purchase price and the identification number unique to the mobile communication terminal, Determining means for determining whether or not the user account corresponding to the identification number is valid; and determining by the determining means a user account corresponding to the received identification number unique to the mobile communication terminal. Doo is characterized goods purchase price thus received to accumulate recorded in the valid user account when it is determined to be valid, payment system for using a mobile communication terminal. 5. The payment settlement system according to claim 3, wherein the user is a guest of the accommodation facility, and the mobile communication terminal is lent to the guest from the accommodation facility. 6. The center obtains information indicating that the guest is staying from an accommodation facility that lends the mobile communication terminal to the guest, and transmits the information from the mobile communication terminal based on this information. The payment system using the mobile communication terminal according to claim 5, wherein it is determined whether a user account corresponding to the terminal identification number is valid. 7. Each mobile communication terminal is provided with a unique terminal identification number indicating an identification number of an accommodation facility and a room number, and a user account is set in the server of the center corresponding to the terminal identification number. Characterized by being
A payment system using the mobile communication terminal according to claim 5. 8. The mobile communication terminal according to claim 3, wherein a mail address registered in each mobile communication terminal is used as an identification number unique to the mobile communication terminal. Payment system.