JP2006268446A - Settlement mediation system, settlement mediation apparatus, settlement request terminal, settlement mediation method, settlement mediation request method, and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To perform a settlement process by a simple and the same operation using a user terminal, irrespective of the type of bill, the financial institution performing settlement, and the type of storage service.
A mobile terminal with a camera shoots a bill, and if the captured image data includes barcode image data, converts the barcode image data into a character code. If not, the character image data in the photographed image data is converted into a character code and transmitted to the payment intermediary device 200. The settlement intermediary device 200 holds bill data including information for identifying a bill and information used for a settlement processing instruction, and identifies the bill data by a character code received from the mobile terminal 100. Then, information used for instructing the settlement process is read from the specified bill data, and settlement instruction data is generated and transmitted to the financial institution apparatus 300. The financial institution apparatus 300 performs a payment process based on the payment instruction data.
[Selection] Figure 1

Description

  The present invention relates to a settlement mediation system, a settlement mediation apparatus, a settlement request terminal, a settlement mediation method, a settlement mediation request method, and a computer program.

Conventionally, a bar code reader connected to a personal computer or an Internet-compatible telephone is used to read a bar code written on a transfer form, and the read bar code information is transmitted to a bank server, so that the user's bank is online. An automatic fee payment system for transferring money from an account has been devised (for example, see Patent Document 1). In addition, a system for performing an online transfer using such a mobile phone is provided as a commercial service (see, for example, Non-Patent Document 1).
JP 2002-133101 A Bank of Tokyo-Mitsubishi, “Mobile Phone Banking”, [online], [Search March 8, 2005], Internet <URL: http://direct.btm.co.jp/appli/#download>

There are several types of bills sent to payers, such as bills with a one-dimensional barcode, bills with a two-dimensional barcode, and bills without a barcode, depending on the issuing storage company. Therefore, when paying a fee using a conventional system, the user needs to operate and process the terminal by a method corresponding to each type of bill. That is, in the case of a bill with a one-dimensional barcode, a device for reading a one-dimensional barcode and application software (hereinafter simply referred to as “app”) are used, and in the case of a bill with a two-dimensional barcode, two-dimensional A bar code is read using a bar code reading device and an application, and a payment request is processed. On the other hand, in the case of an invoice without a barcode, a user accesses a fee payment website provided by a bank server, and a user inputs data for payment. For this reason, the storage service specified by the financial institution may not be used unless the user terminal is equipped with a barcode reading function corresponding to the type of barcode, such as a camera, a barcode reader, or a barcode reader application.
In addition, no receipt was issued when payment was made using conventional Internet banking or multi-payment networks. Therefore, in order to check the history of charge settlement, it is necessary to individually make inquiries to each financial institution to which the user has a contract by Internet inquiry, bookkeeping, telephone inquiry or the like. As described above, it is very troublesome to make an inquiry to all of a plurality of financial institutions.

  The present invention has been made in consideration of such circumstances, and its purpose is to use the user's terminal, regardless of the type of bill, the financial institution performing the settlement, and the type of storage service. To provide a settlement intermediary system, a settlement intermediary apparatus, a settlement request terminal, a settlement intermediation method, a settlement intermediation request method, and a computer program capable of performing settlement processing and settlement result confirmation by terminal operation.

  In order to achieve the above object, the present invention connects a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes payment processing via a network. A payment intermediary system, wherein the payment request terminal shoots an invoice and generates image data of a photographic image of the invoice, and image data of barcode on the image data generated by the photographic means A barcode conversion means for converting the barcode image data into a character code, and the image data generated by the photographing means does not contain the barcode image data. Character conversion means for converting character image data included in the data into a character code, and the barcode conversion means or A payment request data transmission unit that transmits the character code converted by the character conversion unit to the payment intermediary device, and the payment mediation device includes information for identifying a charge and information used for an instruction of a payment process Storage means for storing the document data, receiving means for receiving the character code obtained from the image data of the photographed image of the invoice from the settlement request terminal, and charging in the storage means by the character code received by the receiving means Data conversion means for identifying the bill data, reading information used for the instruction of the settlement process from the identified bill data, and generating settlement instruction data using the read information, and the settlement instruction generated by the data conversion means A payment intermediary system comprising payment execution instruction means for transmitting data to a payment apparatus.

  The present invention also provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. The settlement request terminal captures an invoice, generates image data of a captured image of the invoice, and settlement request data transmission unit transmits the image data generated by the imaging unit to the settlement intermediary device. The settlement intermediary device includes: storage means for storing bill data including information for identifying a bill and information used for a settlement processing instruction; and an image of a photographed image of the bill from the settlement request terminal. If the image data received by the receiving means for receiving the data and the image data received by the receiving means include the image data of the barcode, Bar code conversion means for converting the data into character code, and when the image data received by the receiving means does not contain the image data of the bar code, the character image data of the character included in the image data is converted into the character code. Information to be used for instructing settlement processing from the specified invoice data by specifying the invoice data in the storage means by the character conversion means to convert to the character code and the character code converted by the bar code conversion means or the character conversion means And data conversion means for generating payment instruction data using the read information, and payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment device. It is a payment mediation system.

  In addition, the present invention is the payment intermediary system described above, wherein the payment intermediary device receives post-payment processing execution results from the payment device, and writes post-processing history information to the storage unit; And a notification means for transmitting information on the history of payment processing in the storage means to the payment requesting terminal.

  In addition, the present invention is the payment intermediation system described above, wherein the information used for the payment processing includes information on a financial institution and an account number of a deposit account, and information on a billing amount.

  Further, the present invention is the payment intermediation system described above, wherein the storage means further includes terminal identification information of the payment request terminal, a type of payment service, and an account number of a withdrawal account corresponding to the financial institution. The payment request data transmission means further transmits its own terminal identification information and the type of payment service to be used and information of the financial institution to the payment intermediary device, and the reception means receives the payment Terminal identification information, payment service type and financial institution information are further received from the requesting terminal, and the data conversion means includes the terminal identification information received by the reception means, payment service type and financial institution information, and The account number information of the withdrawal account corresponding to is read out from the storage means, the settlement instruction data is generated using the read account number information of the withdrawal account, Have performed instructing means, the transmits the payment instruction data to the settlement said receiving means corresponding to the type and financial institutions payment services reception device, characterized in that.

  In addition, the present invention is the payment intermediary system described above, wherein the data conversion means includes information on the financial institution of the deposit account when the plurality of invoice data specified by the character code is present. Invoice data indicating the same financial institution as the institution is selected, information used for instructing settlement processing is read from the selected invoice data, and the read information and the account number information of the withdrawal account The settlement instruction data is generated by using.

  The present invention also provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. A payment intermediary device used, storage means for storing bill data including information for identifying a bill and information used for a settlement processing instruction, and characters obtained from image data of a photographed image of the bill A receiving unit that receives a code from the settlement request terminal, and invoice data in the storage unit are identified by a character code received by the receiving unit, and information used for an instruction of settlement processing is read from the identified invoice data , Data conversion means for generating payment instruction data using the read information, and the payment instruction data generated by the data conversion means And payment execution instruction means for transmitting a settlement intermediation apparatus comprising: a.

  The present invention also provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. A payment intermediary device used for storing bill data including information for identifying a bill and information used for a settlement processing instruction; and image data of a photographed image of the bill from the settlement request terminal Receiving means for receiving the barcode, and when the image data received by the receiving means includes barcode image data, the barcode converting means for converting the barcode image data into a character code; and the receiving means If the received image data does not contain barcode image data, the characters included in the image data Character conversion means for converting image data into a character code, and the bill data in the storage means are specified by the character code converted by the bar code conversion means or the character conversion means, and settlement processing is performed from the specified invoice data. Data conversion means for reading information used for instructions and generating payment instruction data using the read information; and payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment apparatus. This is a settlement intermediary device characterized by the above.

  Further, the present invention provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. A payment request terminal used for photographing a bill and generating image data of a photographed image of the bill; and image data generated by the photographing unit includes barcode image data A barcode conversion means for converting the barcode image data into a character code; and if the image data generated by the photographing means does not include the barcode image data, the barcode data is included in the image data. Character conversion means for converting character image data into character code, and the barcode conversion means or the character conversion means A settlement request data transmission means for transmitting the character code converted to the settlement intermediation apparatus, a settlement request terminal comprising: a.

  The present invention also provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. The settlement intermediary method used, wherein the settlement intermediary apparatus includes storage means for storing bill data including information for identifying a bill and information used for a settlement processing instruction, and the settlement request terminal Is a photographing step for photographing a bill and generating image data of a photographed image of the bill, and the barcode image is included in the image data generated in the photographing step. A barcode conversion step for converting the data into a character code, and the barcode data is generated in the image data generated in the photographing step. When image data is not included, a character conversion step of converting character image data included in the image data into a character code, and a settlement of the character code converted in the barcode conversion step or the character conversion step Payment request data transmission step to be transmitted to the mediation device, the payment mediation device received in the reception step to receive the character code obtained from the image data of the photographed image of the invoice from the payment request terminal, and received in the reception step A data conversion step of identifying bill data in the storage means by a character code, reading information used for a settlement processing instruction from the identified bill data, and generating settlement instruction data using the read information; Settlement the payment instruction data generated in the data conversion step A settlement intermediation method characterized by having a settlement execution instruction step of transmitting to the location.

  Further, the present invention provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. The settlement intermediary method used, wherein the settlement intermediary apparatus includes storage means for storing bill data including information for identifying a bill and information used for a settlement processing instruction, and the settlement request terminal A photographing step for photographing a bill and generating image data of a photographed image of the bill; a settlement request data transmitting step for transmitting the image data generated in the photographing step to a settlement mediating device; and the settlement mediating device A reception step of receiving image data of a photographed image of an invoice from the payment request terminal, and an image received in the reception step. If the bar code image data is included in the data, the bar code converting step for converting the bar code image data into a character code, and the bar code image data is included in the received image data in the receiving step. A character conversion step of converting character image data included in the image data into a character code, and the character code converted in the barcode conversion step or the character conversion step. A data conversion step for identifying bill data, reading information used for a settlement processing instruction from the identified bill data, and generating settlement instruction data using the read information, and a settlement generated in the data conversion step Decision to send the instruction data to the payment device A settlement intermediation method characterized by comprising an execution instruction step.

  The present invention also relates to a payment intermediary system in which a user's payment request terminal and a payment intermediary apparatus that mediates a payment request from the payment request terminal to a payment apparatus that executes a payment process are connected via a network. A payment intermediary method used in a payment intermediary apparatus, the payment intermediary apparatus comprising storage means for storing invoice data including information for identifying a bill and information used for instructing a settlement process, A receiving step of receiving a character code obtained from image data of a photographed image of a bill from the payment requesting terminal, and specifying the bill data in the storage means by the character code received in the receiving step. A data conversion process that reads information used for payment processing instructions from the document data and generates payment instruction data using the read information. And-up, a settlement intermediation method characterized by having a settlement execution instruction step of transmitting a payment instruction data to the settlement device that generated in the data conversion step.

  The present invention also relates to a payment intermediary system in which a user's payment request terminal and a payment intermediary apparatus that mediates a payment request from the payment request terminal to a payment apparatus that executes a payment process are connected via a network. A payment intermediary method used in a payment intermediary apparatus, the payment intermediary apparatus comprising storage means for storing invoice data including information for identifying a bill and information used for instructing a settlement process, A receiving step of receiving image data of a photographed image of a bill from the payment requesting terminal, and if the image data of the barcode is included in the image data received in the receiving step, the barcode image data is The barcode conversion step for converting into a code and the image data received in the reception step in the barcode When image data is not included, the character conversion step of converting character image data included in the image data into a character code, and the character code converted in the barcode conversion step or the character conversion step A data conversion step of identifying bill data in the storage means, reading information used for a settlement processing instruction from the identified bill data, and generating settlement instruction data using the read information; and the data conversion step A payment execution instruction step of transmitting the payment instruction data generated in step 1 to a payment apparatus.

  The present invention also relates to a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. A payment intermediation request method used for a payment request terminal, wherein a shooting step for shooting an invoice and generating image data of a captured image of the invoice, and image data of a barcode is included in the image data generated in the shooting step. A barcode conversion step of converting the barcode image data into a character code when included, and the image data when the image data generated in the photographing step does not include the barcode image data. Character conversion step that converts image data of characters included in When a settlement intermediation request method characterized by having a settlement request data transmitting step of transmitting the character code converted in the bar code conversion step or the character conversion step to the settlement intermediation device.

  The present invention also provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. Storage means for storing invoice data including information for identifying a bill and information used for instructing settlement processing, a character code obtained from image data of a photographed image of the bill Receiving means for receiving from the payment requesting terminal, specifying the invoice data in the storage means by the character code received by the receiving means, and reading information used for the instruction of the payment processing from the specified invoice data, Data conversion means for generating payment instruction data using the read information, and payment instruction data generated by the data conversion means A computer program for causing the settlement execution instructing unit functions as, to be transmitted to.

  Further, the present invention provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. Storage means for storing bill data including information for identifying a bill and information used for a settlement processing instruction, and image data of a photographed image of the bill from the settlement request terminal. Receiving means for receiving, when the image data received by the receiving means includes bar code image data, bar code converting means for converting the bar code image data into a character code, received by the receiving means If the image data does not contain barcode image data, the sentence contained in the image data Character data conversion means for converting the image data into character code, the bar code conversion means or the character code converted by the character conversion means is used to identify the invoice data in the storage means, and from the specified invoice data to the settlement process To function as data conversion means for reading information used for instructions and generating payment instruction data using the read information, and payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment apparatus It is a computer program.

  The present invention also provides a payment intermediary system in which a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process are connected via a network. The computer of the payment request terminal used is a photographing unit that controls photographing of a bill and generates image data of a photographed image of the bill. The image data generated by the photographing unit includes barcode image data. A barcode conversion means for converting the barcode image data into a character code, and the image data generated by the photographing means is included in the image data when the barcode image data is not included. Character conversion means for converting character image data into character codes, the barcode conversion means or the characters Conversion means is a computer program to function as the settlement request data transmission means for transmitting the settlement intermediation device character code conversion.

  According to the above invention, the user is unaware of the type of bill such as no bar code, one-dimensional or two-dimensional bar code, and payment with which financial institutions are affiliated, such as Internet banking and multi-payment networks. The payment procedure using the financial institution or service desired by the user can be performed by the same terminal operation from the user terminal without being conscious of the type of service or the connection form with the financial institution system. In addition, instead of the receipt, the result of the payment procedure of the fee payment can be provided to the user.

Embodiments of the present invention will be described below with reference to the drawings.
FIG. 1 is a diagram showing an overall configuration of a settlement mediation system according to an embodiment of the present invention. The payment intermediary system includes a mobile terminal 100 of a user, a payment intermediary apparatus 200 of a payment intermediary center, a financial institution apparatus 300 of a financial institution such as a bank or a post office, and a multipayment payment apparatus 400 of a multipayment network via a network N. Connected. A mobile terminal 100 as a settlement request terminal is a mobile phone terminal with a camera. The financial institution apparatus 300 and the multi-payment settlement apparatus 400 are settlement apparatuses that perform settlement processing such as account withdrawal. The network N is constituted by, for example, a public network such as a mobile phone network or the Internet network, a private network such as a LAN (Local Area Network), a dedicated line.

  Note that the multi-payment network is a network that connects storage institutions such as government offices, local governments, and private companies with financial institutions, and users pay public fees to financial institutions using personal computers, mobile phones, ATMs, etc. This is a storage service in which the payment information is notified from the financial institution to the storage institution.

2-4 is a figure which shows the operation | movement outline | summary of a payment mediation system.
FIG. 2 is a diagram showing an outline of the operation of the payment intermediary system until the mobile terminal 100 requests payment from the payment intermediary device 200.
First, the payment intermediary center prepares a small payment application, which is application software for small payment for each financial institution / payment service (hereinafter, application software is also simply referred to as “app”), and holds it in the payment brokerage device 200. deep. Payment services include storage services such as bank transfer and multi-payment services. The settlement intermediary center obtains invoice data from the storage company and registers it in the settlement intermediary device 200 (step S11). The invoice data includes information for identifying a bill, a deposit financial institution that is a deposit account financial institution, a deposit account number that is an account number of the deposit account, a deposit amount indicating a bill amount, and the like.

  When a user who is a payer pays an invoice issued by a storage company, he / she downloads a small payment application for a financial institution / payment service desired to be settled from the payment intermediary device 200 to the mobile terminal 100 (step S12). ). The user activates the personal payment application downloaded to the mobile terminal 100 and takes a bill with the camera provided in the mobile terminal 100 (step S13). The small payment application of the mobile terminal 100 generates a payment request data by converting a barcode image or a character image in the photographed data of the invoice into a character code, and performs payment intermediation via a mobile phone network operated by a mobile phone company. It transmits to the apparatus 200 (step S14).

FIG. 3 is a diagram showing an outline of the operation of the settlement intermediary system when performing bank transfer.
The settlement intermediary device 200 converts the settlement request data received in step S14 of FIG. 2 into settlement instruction data for bank transfer using the invoice data held therein, and transmits it to the financial institution apparatus 300. (Step S21). The financial institution apparatus 300 executes the settlement process, and returns the settlement process result data to the settlement mediation apparatus 200 (step S22). The settlement intermediary device 200 accumulates settlement results as a history, and transmits bank settlement result data to the mobile terminal 100 (step S23).

FIG. 4 is a diagram showing an outline of the operation of the payment intermediary system when performing multi-payment payment.
The payment intermediary device 200 converts the payment request data received in step S14 of FIG. 2 into payment instruction data for multi-payment payment using the invoice data held therein, and transmits it to the financial institution device 300. (Step S31). The financial institution apparatus 300 and the multipayment settlement apparatus 400 execute a multipayment settlement process, and return settlement process result data to the settlement intermediary apparatus 200 (step S32). The settlement intermediary device 200 accumulates settlement results as a history and transmits the result data of multi-payment settlement to the mobile terminal 100 (step S33).

FIG. 5 is a block diagram showing an expanded function of the internal configuration of the portable terminal 100. Only functional blocks related to the present invention are extracted and shown. The portable terminal 100 includes a control unit 110, a transmission / reception unit 120, an input unit 130, a display unit 140, a photographing unit 150, an individual application data storage unit 160, and a settlement application execution unit 170.
The control unit 110 includes a central processing unit (CPU) and various memories, and controls each unit, temporarily stores data, transfers data, and the like. The transmission / reception means 120 transmits / receives data to / from the payment intermediary device 200 via the network N. The input unit 130 is a key, a button, or the like, and has an interface for acquiring information input by the user. The display means 140 is a display such as an LCD (liquid crystal display) and displays an image. The photographing means 150 is a CCD (Charge Coupled Device) camera or the like, which captures images such as still images and moving images and generates image data of captured images.

  The individual application data storage unit 160 stores application individual data that is data used for the retail payment application. The individual application data includes a financial institution ID, a small payment application password, a service ID, a user ID, an identification ID, and the like. The financial institution ID is information for identifying the financial institution of the user's withdrawal account. The personal payment application password indicates a password for permitting use of the personal payment application. The service ID specifies the type of payment service used for payment. Examples of the payment service include XX bank mobile banking service and multi-payment service. The user ID is identification information given to the user for each financial institution such as a bank or for each service of the financial institution. The identification ID is information for uniquely identifying the mobile terminal 100, and for example, the mobile phone number of the mobile terminal 100 is used.

The payment application execution unit 170 includes a payment application authentication unit 171, an image data count unit 172, a barcode conversion unit 173, an OCR (Optical Character Reader) character conversion unit 174, a payment request data transmission unit 175, and a payment request unit 176. Prepare.
The payment application authentication unit 171 authenticates the user by comparing the password input by the user via the input unit 130 with the personal payment application password in the individual application data storage unit 160. The image data counting unit 172 counts the number of image data of the bill photographed by the photographing unit 150. The bar code conversion means 173 is a one-dimensional barcode or two-dimensional barcode (hereinafter referred to as “one-dimensional barcode and two-dimensional barcode” collectively in the image data of the invoice taken by the photographing means 150). The image data of the bar code is converted into a character code. The OCR character conversion unit 174 converts the character image data included in the image data into a character code when the image data of the bill imaged by the imaging unit 150 does not include the barcode image data. . The settlement request data transmission unit 175 generates settlement request data based on the individual application data read from the individual application data storage unit 160 and the character code converted by the bar code conversion unit 173 or the OCR character conversion unit 174, and performs settlement intermediation. Transmit to device 200. The settlement request unit 176 transmits a settlement request to the settlement intermediary device 200.
The individual application data storage unit 160 and the payment application execution unit 170 are generated for each payment application distributed from the payment mediation apparatus 200. Further, the mobile terminal 100 is further added with voice processing means (not shown) for controlling the handset and the handset.

FIG. 6 is a block diagram showing the functional expansion of the internal configuration of the settlement intermediary device 200. Only functional blocks related to the present invention are extracted and shown. The payment intermediary device 200 can be configured by a server, for example, and includes a control unit 210, a transmission / reception unit 220, an invoice database 230 (hereinafter referred to as “DB”), a small payment application DB 240, a payment application distribution unit. 250, transaction history DB 260, and settlement mediation means 270.
The control unit 210 includes a CPU and various memories, and controls each unit, temporarily stores data, transfers data, and the like. The transmission / reception means 220 transmits / receives data to / from the mobile terminal 100 and the financial institution apparatus 300 via the network N.

  The bill DB 230 stores bill data. The invoice data includes a barcode number for identifying a bill, a deposit financial institution ID for identifying a deposit financial institution of a deposit account of a storage company, a deposit account number, a deposit amount indicating a charge amount, a storage institution number for identifying a storage company, Includes information such as customer number and confirmation number that identifies the user.

  The retail payment application DB 240 stores retail payment application data. The small payment application data is the identification ID of the mobile terminal 100 that has distributed the small payment application, the financial institution used, the financial institution ID of the financial institution where the user holds the withdrawal account, the withdrawal account number, and the use. It includes information such as a service ID for identifying a payment service, a user ID for using the payment service, a password for a small payment application, a storage URL (Universal Resource Locator) of the small payment application, and a user's mail address.

  The transaction history DB 260 stores transaction history data. The transaction history data includes the identification ID of the mobile terminal 100, the financial institution ID of the financial institution that performed the transaction, the service ID of the settlement service used for the transaction, the transaction date and time, the transaction type, the transaction result, the transaction content, the certificate effective date, Contains information such as certificate number. The transaction type indicates, for example, payment, inquiry,. The transaction result indicates information on whether the transaction has succeeded or failed. The transaction content includes information such as the withdrawal financial institution ID and withdrawal account number of the withdrawal account, the deposit financial institution ID and deposit account number of the deposit account, and the transaction amount. The certificate effective date indicates the date on which the transaction certificate was issued. The certificate number is a number that identifies a transaction certificate.

The payment application distribution unit 250 includes a website providing unit 251, an application screening reception unit 252, an application screening result determination unit 253, an individual application creation unit 254, and an individual application distribution unit 255.
The website providing unit 251 generates screen information of the small payment application distribution site and transmits the screen information to the mobile terminal 100. The application examination accepting means 252 transmits to the financial institution apparatus 300 an examination request for an account held by the user who applied for distribution of the retail payment application. The application examination result determination unit 253 determines the examination result received from the financial institution apparatus 300 in response to the examination request transmitted by the application examination acceptance unit 252. The individual application creation unit 254 generates a retail payment application dedicated to the user who applied for distribution of the retail payment application, and updates the retail payment application DB 240 and the transaction history DB 260. The individual application distribution unit 255 distributes the personal payment application generated by the individual application creation unit 254 to the mobile terminal 100.

The settlement intermediary unit 270 includes a data conversion unit 271, a pre-examination request unit 272, a pre-examination result determination unit 273, a settlement execution instruction unit 274, a post-processing unit 275, and a notification unit 276.
The data conversion means 271 refers to the bill data and the small payment application data, and converts the payment request data received from the mobile terminal 100 into payment instruction data for financial institutions or payment instruction data for multi-payment payments. The pre-examination requesting unit 272 transmits a pre-examination request for settlement processing to the financial institution apparatus 300. The preliminary examination result determination unit 273 determines the examination result received from the financial institution apparatus 300 in response to the preliminary examination request transmitted by the preliminary examination request unit 272. The settlement execution instructing unit 274 notifies the transfer confirmation instruction to the mobile terminal 100 and transmits a settlement execution instruction to the financial institution apparatus 300 when a settlement request is received from the mobile terminal 100. The post processing unit 275 receives the processing result of the settlement process from the financial institution apparatus 300 in response to the settlement execution instruction transmitted by the settlement execution instruction unit 274, and updates the transaction history DB 260. The notification unit 276 notifies the mobile terminal 100 of the processing result of the payment process and the transaction details.

FIG. 7 is a diagram showing a data structure of the bill DB 230. As shown in FIG.
In the figure, the invoice DB 230 has a barcode number “1002234567”, a deposit financial institution ID “001” indicating AA bank, a deposit account number “777888”, a deposit amount “1250”, a storage institution number “12345”, a customer number. Invoice data set with “6789”, confirmation number “888”, bar code number “1003444566”, deposit financial institution ID “002” indicating BB bank, deposit account number “777888”, deposit amount “12300”, storage It includes invoice data in which an institution number “78901”, a customer number “4321”, and a confirmation number “666” are set.

FIG. 8 is a diagram illustrating a data configuration of the retail payment application DB 240.
In the figure, the small payment application DB 240 has a mobile phone number “090-1234-5678” as an identification ID, a financial institution ID “001” indicating that the financial institution used is an AA bank, and a payment service used is a mobile Service ID “0” indicating bank, withdrawal account number “112233”, mobile bank payment service user ID “987654”, retail payment application password “Asworddf”, retail payment application storage URL “http” </abcd.efg/aaa ", the user's mail address" User-a @ aaa ", and other payment application data set with information.

FIG. 9 is a diagram illustrating a data configuration of the transaction history DB 260.
In the figure, the transaction history DB 260 includes a mobile phone number “090-1234-5678” as an identification ID, a financial institution ID “001” indicating that the financial institution used is an AA bank, and the settlement service used is a mobile bank. Service ID “0” indicating that the transaction date and time, the transaction date and time indicating 10:30:54 on December 20, 2004 to 11:22:33, the transaction type “1” indicating payment, and that the transaction has been established. Transaction history data including information such as transaction result “1”, transaction content, certificate effective date “020202”, and certificate number “00123” is included. The information on the transaction details includes the withdrawal financial institution ID “001” of the withdrawal account, the withdrawal account number “333333”, the deposit financial institution ID “005” of the deposit account, the deposit account number “555555”, and the transaction amount “1250”. It consists of information.

FIG. 10 shows information described in the bill.
The invoice may contain (1) barcode, (2) postal transfer, bank transfer characters, and (3) multi-payment characters. Bar codes are primarily used in convenience stores and uniquely identify bills. As characters for postal transfer and bank transfer, there are a depositing financial institution and a deposit account number of the storage company, an arbitrary use digit of the storage company, an amount, and the like. Multipayment characters include a storage institution number, customer number, confirmation number, and the like.

Next, the operation of the payment mediation system will be described.
FIG. 11 is a diagram showing a payment application distribution procedure in the payment mediation system.
First, the user accesses the payment intermediary device 200 from the mobile terminal 100 using the address of the website for applying for a small payment application. The website providing means 251 of the payment intermediary device 200 returns the web screen information for applying for a small payment application to the mobile terminal 100. The portable terminal 100 displays the received web screen for applying for a small payment application on the display. The user selects a financial institution and a settlement service to be used from the web screen displayed on the mobile terminal 100, and also withdraws the withdrawal account number and personal identification number of the withdrawal account held by the user in the selected financial institution The password and the mail address of the user are input (step S1010). The mobile terminal 100 transmits the small payment application application data and the mobile phone number of the mobile terminal 100 as the identification ID to the payment intermediary device 200 (step S1020). The application data for the retail payment application includes the financial institution ID and service ID for identifying the selected financial institution and payment service, the input withdrawal account number and password of the user, the password for the personal payment application, the user's email Address.

  Upon receipt of the retail payment application application data and the identification ID, the application screening acceptance means 252 of the payment intermediary device 200 applies the application screening to the financial institution apparatus 300 of the financial institution identified by the financial institution ID in the retail payment application application data. Request data is transmitted (steps S1030 and S1040). The application examination request data includes the financial institution ID, the withdrawal account number and PIN of the withdrawal account, and the user ID in the retail payment application application data.

  The financial institution apparatus 300 checks that the withdrawal account number in the application examination request data exists, and further that the personal identification number of the withdrawal account matches the personal identification number in the application examination request data (step S1050). . If the check result is OK, the financial institution apparatus 300 assigns a user ID to the user. The financial institution apparatus 300 returns application examination result data indicating the check result (OK or NG) to the payment intermediary apparatus 200 (step S1060). At this time, if the check result is OK, the assigned user ID is also returned. The application examination result determination unit 253 of the payment intermediary device 200 determines the received application examination result data (step S1070).

  If it is determined that the application examination result data indicates OK (step S1070: OK), the individual application creation unit 254 generates a retail payment application dedicated to the application user (step S1080). The retail payment application includes a program main body for realizing the payment application execution means 170 of the mobile terminal 100 and retained data. By setting this retained data according to the application user, a retail payment application dedicated to the application user is generated. In the retained data, the user ID received from the financial institution device 300, the service ID received from the mobile terminal 100, the financial institution ID, and the information for the personal payment application password are set. The individual application creation unit 254 stores the generated retail payment application in an internal storage area. Further, the individual application creation unit 254 receives the identification ID, financial institution ID, service ID, withdrawal account number, retail payment application password, and user email address received from the mobile terminal 100 from the financial institution apparatus 300. The personal payment application data including the information of the user ID and the generated storage URL of the personal payment application is generated and registered in the personal payment application DB 240 (step S1090). Subsequently, the individual application creation unit 254 generates transaction history data related to the distribution of the retail payment application and registers it in the transaction history DB 260 (step S1100). The individual application distribution means 255 generates an e-mail for notifying the storage location URL of the small payment application using the user's e-mail address, and transmits it to the mobile terminal 100 (steps S1110 and S1120).

The portable terminal 100 displays the received electronic mail. Then, according to the instruction input by the user, the storage location URL of the small payment application notified by the e-mail is accessed (steps S1130 and S1140). The individual application distribution means 255 of the payment intermediary device 200 reads the retail payment application stored in the URL used for access from the storage area and downloads it to the mobile terminal 100 (steps S1150 and S1160). The portable terminal 100 copies the received retail payment application to an internal nonvolatile memory or hard disk and installs it. Thereby, the individual application data storage unit 160 and the payment application execution unit 170 are generated in the mobile terminal 100.
If it is determined in step S1070 that the application examination result data indicates NG (step S1070: NG), the application examination result determination unit 253 transmits a notification of an error to the mobile terminal 100 (step S1200). ).

  FIG. 15 is a diagram showing a screen image of a web screen for applying for a small payment application. In the figure, the web screen for applying for a small payment application displays a list of financial institutions and payment services. The user selects a desired financial institution and settlement service from the list using a key.

FIG. 12 is a diagram showing a settlement procedure procedure of bank settlement in the settlement mediation system.
The user inputs an activation instruction for a financial institution that desires a settlement procedure and a retail payment application for a payment service among the downloaded small payment applications (step S2010). As a result, the payment application executing means 170 in the mobile terminal 100 corresponding to the retail payment application instructed to start is started. Here, it is assumed that the selected settlement service is bank settlement. Next, the user inputs a password for the personal payment application to the mobile terminal 100. The payment application authentication unit 171 of the mobile terminal 100 determines that the input password matches the password for the personal payment application stored in the individual application data storage unit 160 corresponding to the personal payment data application instructed to be activated. The user is authenticated, and the subsequent operations are performed (step S2020). Note that the mobile terminal 100 transmits the password of the personal payment application input by the user to the payment mediation apparatus 200, and the payment mediation apparatus 200 verifies the password for the personal payment application registered in the personal payment application DB 240 for authentication. It may be done.

  Subsequently, the user photographs the invoice using the photographing unit 150 of the mobile terminal 100. In the billing area, the bar code shown in (1) of FIG. 10 and the OCR characters such as the depositing financial institution and account number of the storage company, the digit used by the storage company, and the amount of money shown in (2) are printed. This is a place where the image is taken once or multiple times. Depending on the invoice, the barcode may not be printed, and the OCR character may not print all the information. For example, in the case of a bank transfer invoice, the deposit financial institution and account number of the deposit account may not be described. The photographing unit 150 generates image data of a photographed image every time a bill is photographed, and the image data counting unit 172 counts the number of image data (step S2030). The barcode conversion unit 173 converts the barcode image data into a character code when the image data of the captured image includes barcode image data. Thereby, the barcode number is obtained. The OCR character conversion unit 174 converts character image data included in the image data into a character code when the image data of the captured image does not include the image data of the barcode. As a result, a character code such as a deposit financial institution and account number of the deposit account, an arbitrary use digit of the storage company, and an amount of money is obtained (step S2040).

  The user inputs the personal identification number of the settlement service to be used, that is, the personal identification number for bank settlement, to the portable terminal 100, and then inputs an instruction for a settlement request. The settlement request data transmission unit 175 of the portable terminal 100 transmits the settlement request data to the settlement mediation apparatus 200 (Steps S2050 and S2060). The payment request data includes the character codes obtained from the barcode conversion means 173 and the OCR character conversion means 174, the number of these character codes, the password of the payment service, and individual application data. The individual application data includes a financial institution ID, a withdrawal account number, a personal payment application password, a bank settlement service ID, a user ID, and an identification ID read from the individual application data storage unit 160.

  The payment intermediary device 200 receives payment request data from the mobile terminal 100. The data conversion unit 271 of the payment intermediary device 200 identifies the small payment application data in the small payment application DB 240 using the identification ID, financial institution ID, and service ID in the individual application data included in the received payment request data as keys. To do. Further, the data conversion means 271 specifies bill data in the bill DB 230 by using a character code included in the received settlement request data as a key. At this time, when the barcode request number is included in the settlement request data, the bill data may be specified by giving priority to the barcode number. In addition, when there are a plurality of deposit financial institutions that can be used for one bill, there are a plurality of bill data corresponding to the barcode numbers, but the deposit financial institution ID is included in the small payment application data and Select matching invoice data. Alternatively, it may be selected in accordance with invoice data registered first or a predetermined priority.

The data conversion means 271 generates bank settlement instruction data, which is settlement instruction data using a data format for bank settlement, when the retail settlement application data and the bill data are specified. The bank settlement instruction data includes the service ID, user ID, and withdrawal account number in the specified retail payment application data, the deposit financial institution ID, the deposit account number, and the deposit amount in the identified bill data. The information and the password for use of the settlement service received from the mobile terminal 100 are included (step S2070).
The pre-examination request means 272 logs in using the user ID to the financial institution device 300 of the financial institution corresponding to the financial institution ID and service ID in the individual application data, and transmits pre-examination request data (step S2080, S2090). The preliminary examination request data is data having the same contents as the bank settlement instruction data.

  The financial institution apparatus 300 performs pre-examination of bank settlement based on the pre-examination request data received from the settlement intermediary apparatus 200 (step S2100). That is, the financial institution apparatus 300 checks whether it is legitimate as a bank settlement service user based on the service ID, the user ID, and the personal identification number, and that a withdrawal account number exists for the user ID. Check that the withdrawal account has a balance greater than the deposit amount. Further, the financial institution apparatus 300 checks that the deposit account actually exists based on the deposit financial institution ID and the deposit account number. The financial institution apparatus 300 returns the examination result data of the bank settlement preliminary examination to the settlement intermediary apparatus 200 (step S2110). The preliminary examination result determination unit 273 of the payment intermediary device 200 determines the examination result based on the received examination result data (step S2120).

  When it is determined that the examination result indicates OK (step S2120: OK), the settlement execution instructing unit 274 transmits examination result data and a transfer confirmation instruction to the mobile terminal 100 (steps S2130 and S2140). When the user confirms the examination result displayed on the mobile terminal 100, the user inputs confirmation of the settlement content (step S2150). The settlement request unit 176 of the mobile terminal 100 transmits the settlement request and the individual application data to the settlement intermediary device 200 (step S2160). The individual application data is the same as the individual application data transmitted in step S2060.

  When the payment execution instructing unit 274 of the payment intermediary device 200 receives the payment request and the individual application data from the mobile terminal 100, the financial institution apparatus 300 generates bank payment instruction data corresponding to the received individual application data generated in step S2070. (Steps S2170 and S2180). The financial institution apparatus 300 performs a transfer process based on the bank settlement instruction data received from the settlement intermediary apparatus 200 (step S2190). That is, the financial institution apparatus 300 checks the validity based on the service ID, the user ID, and the password. If it is valid, the process of withdrawing the amount indicated by the deposit amount from the withdrawal account of the user indicated by the withdrawal account number is performed, and the deposit account of the storage company indicated by the deposit financial institution ID and the deposit account number is performed. Process to deposit the deposit amount. The financial institution apparatus 300 returns settlement process result data indicating the result of the transfer process to the settlement intermediary apparatus 200 (step S2200).

When the post-processing means 275 of the payment intermediary device 200 receives the payment processing result data from the financial institution device 300, it generates billing information for using the payment intermediation service and stores it inside (step S2210). The billing information includes information such as the identification ID of the mobile terminal 100 and the use date and time of the payment intermediation service. Subsequently, the post-processing means 275 generates transaction history data and registers it in the transaction history DB 260 (step S2220). The transaction history data includes an identification ID, a financial institution ID of the financial institution that made the payment, a service ID of the payment service used, a transaction date and time, a transaction type indicating payment, a transaction result corresponding to the received payment processing result data, a transaction Information such as content is included. Information on the transaction details is the withdrawal financial institution ID of the withdrawal account indicated by the bank settlement instruction data, the withdrawal account number, the deposit financial institution ID of the deposit account, the deposit account number, and the transaction amount information indicating the amount deposited. including. The notification unit 276 transmits settlement result data to the mobile terminal 100 (step S2230). The settlement result data includes information in the transaction history data generated in step S2220 (step S2240). Based on the information received from the payment intermediary device 200, the mobile terminal 100 uses the withdrawal account financial institution, the withdrawal account number, the deposit financial institution of the deposit account, the deposit account number, the settlement service used, the transaction date and time, the transaction type. Display transaction results and transaction details.
Note that the notification means 276 of the payment intermediary device 200 may read and transmit the transaction history data of the mobile terminal 100 from the transaction history DB 260 when receiving a transaction history browsing request from the mobile terminal 100. The mobile terminal 100 displays the transaction history data received from the payment intermediary device 200.

FIG. 13 and FIG. 14 are diagrams showing a settlement procedure procedure of multi-payment settlement in the settlement mediation system.
In FIG. 13, after starting a retail payment application for a financial institution and a payment service desired by a user and authenticating with a personal payment application password, a photograph is taken using the photographing means 150 of the mobile terminal 100. The processing from step S3010 to step S3030 is the same as the processing from step S2010 to step S2030 shown in FIG. However, the selected payment service is a multi-payment payment, and the shooting target part of the invoice is the barcode shown in (1) of FIG. 10, the storage organization number shown in (3), the customer number, the confirmation number, etc. This is where the OCR characters are printed.
Then, similarly to step S2040 shown in FIG. 12, the barcode conversion means 173 of the portable terminal 100 converts the barcode image data into a character code when the image data of the captured image includes the barcode image data. The OCR character conversion unit 174 converts the character image data included in the image data of the photographed image into a character code when the image data of the photographed image does not include the barcode image data (step S3040). . As a result, character codes such as a barcode number, storage organization number, customer number, and confirmation number can be obtained.

  When the user inputs the password of the multi-payment payment service to the portable terminal 100 and inputs a payment request instruction, the portable terminal 100 transmits the payment request data to the payment intermediary device 200 as in steps S2050 and S2060 of FIG. (Steps S3050 and S3060). The data conversion unit 271 of the payment intermediary device 200 identifies the small payment application data in the small payment application DB 240 using the identification ID, financial institution ID, and service ID in the individual application data included in the received payment request data as keys. To do. Further, the bill data in the bill DB 230 is specified using the character code included in the received settlement request data as a key. At this time, when the barcode number is included, the bill data may be specified by giving priority to the barcode number.

The data conversion means 271 generates multi-payment payment instruction data, which is payment instruction data using a data format for multi-payment payment, when the retail payment application data and the invoice data are specified. Multi-payment payment instruction data includes service ID, user ID, and withdrawal account number in the specified retail payment application data, storage institution number, customer number, and confirmation number in the specified bill data. Information on the multi-payment service use password is included (step S3070).
The pre-examination request means 272 logs in using the user ID to the financial institution device 300 of the financial institution corresponding to the financial institution ID and service ID in the individual application data, and transmits pre-examination request data (step S3080, S3090). The pre-examination request data is the same data as the multi-payment settlement instruction data.

  The financial institution apparatus 300 performs the multi-payment settlement pre-examination based on the pre-examination request data received from the settlement intermediary apparatus 200 (step S3100). Further, the multi-payment settlement apparatus 400 receives data necessary for the multi-payment settlement pre-examination from the financial institution apparatus 300, and performs multi-payment settlement pre-examination (step S3110). The multi-payment settlement apparatus 400 transmits the examination result of the multi-payment settlement pre-examination to the financial institution apparatus 300 (step S3120). Furthermore, when the financial institution apparatus 300 performs the multi-payment settlement preliminary examination, the financial institution apparatus 300 transmits examination result data to the settlement intermediary apparatus 200 (step S3130). The preliminary examination result determination unit 273 of the payment intermediary device 200 determines the examination result based on the received examination result data (step S3140).

  In FIG. 14, when it is determined that the examination result indicates OK (step S3140: OK), the settlement execution instructing unit 274 transmits examination result data and a transfer confirmation instruction to the mobile terminal 100 (step S3510, S3520). When the user confirms the examination result, the user inputs confirmation of the settlement content (step S3530). The settlement request unit 176 of the mobile terminal 100 transmits the settlement request and the individual application data to the settlement intermediary device 200 (step S3540). The retail payment application data is the same as the individual application data transmitted in step S3060.

  When the payment execution instructing unit 274 of the payment intermediary device 200 receives the payment request and the individual application data from the mobile terminal 100, it generates the multi-payment payment instruction data corresponding to the received individual application data generated in step S 3070. (Steps S3550, S3560). The financial institution apparatus 300 performs a deposit process and a withdrawal process based on the multi-payment settlement instruction data received from the settlement intermediary apparatus 200 (step S3570). That is, the financial institution apparatus 300 performs a process of withdrawing the deposit amount in the multi-payment settlement instruction data from the user's withdrawal account, and performs a process of depositing the deposit amount into the deposit account of the storage company. The financial institution apparatus 300 returns the settlement process result data of the transfer process to the settlement intermediary apparatus 200 (step S3580).

  Thereafter, the payment intermediary device 200 generates billing information and stores it inside, generates transaction history data and registers it in the transaction history DB 260, and the mobile terminal 100 receives the payment result data from the payment intermediary device 200. The processing from step S3590 to S3630 to be displayed is the same as the processing from step S2210 to S2250 shown in FIG.

  In the above embodiment, the mobile terminal 100 is provided with the barcode conversion unit 173 and the OCR character conversion unit 174, and converts the shooting barcode and the shooting character in the image data into the character code. 200 may be provided with the functions of barcode conversion means 173 and OCR character conversion means 174. That is, the character code conversion in step S2040 in FIG. 12 and step S3040 in FIG. 13 is not performed. In step S2050 in FIG. 12 and step S3050 in FIG. Instead of the number of codes, the image data and the number of image data are transmitted to the payment intermediary device 200. Then, the payment intermediary device 200 converts the barcode or character image data in the received image data into a character code, and thereafter performs the same processing.

Note that in step S2030 in FIG. 12 and step S3030 in FIG. 13, the user may input a part or all of the OCR characters to the mobile terminal 100 using the input unit 130.
Further, the account number of the withdrawal account is further stored in the individual application data storage means 160 of the portable terminal 100, and it may be transmitted by being included in the individual application data in step S2060 in FIG. 12 and step S3060 in FIG. Good.
In the embodiment described above, the retail payment application is downloaded from the payment intermediary device 200, but may be installed in the mobile terminal 100 in advance.
In the above embodiment, the mobile terminal 100 is a mobile phone with a camera, but a PDA (Personal Digital Assistants: information mobile terminal) or a personal computer may be used.

According to the above embodiment, the user is not conscious of the type of invoice such as no barcode, one-dimensional or two-dimensional barcode, and financial institutions such as Internet banking and multi-payment networks have partnered. Regardless of the type of service being used and the connection form with the financial institution system, the payment procedure using the financial institution desired by the user and the payment service is performed by the same terminal operation from the mobile terminal 100 of the user. be able to.
In addition, the mobile terminal 100 can reduce the amount of communication data between the mobile terminal 100 and the payment intermediary device 200 by converting the image data of the invoice into a character code and transmitting it to the payment intermediary device 200.
Further, the image data of the invoice is transmitted from the mobile terminal 100 to the payment intermediary device 200, and the image data is converted into a character code in 200, thereby eliminating the need for a processing program for converting the image data into the character code in the mobile terminal 100. Therefore, the amount of memory required for the mobile terminal 100 can be reduced.
Moreover, the result of the payment procedure of the fee payment can be provided to the user instead of the receipt.

  Note that the mobile terminal 100, the payment intermediary device 200, the financial institution device 300, and the multi-payment payment device 400 described above have a computer system therein. The operation process of the payment application execution means 170 of the mobile terminal 100, the payment application distribution means 250 and the payment mediation means 270 of the payment mediation apparatus 200, the financial institution apparatus 300, and the multi-payment payment apparatus 400 is a program format. Is stored in a computer-readable recording medium, and the above-described processing is performed by the computer system reading and executing this program. The computer system here includes an OS and hardware such as peripheral devices.

  In addition to ROM, “computer-readable recording medium” refers to a portable medium such as a magnetic disk, a magneto-optical disk, a CD-ROM, a DVD-ROM, or a storage device such as a hard disk built in a computer system. That means. Furthermore, the “computer-readable recording medium” refers to a volatile memory (RAM) inside a computer system that becomes a client or a system when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, those holding programs for a certain period of time are also included.

The program may be transmitted from a computer system storing the program in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the “transmission medium” for transmitting the program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line.
The program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

1 is a diagram illustrating an overall configuration of a payment mediation system according to an embodiment of the present invention. It is a figure which shows the operation | movement outline | summary of the payment mediation system by the embodiment. It is a figure which shows the operation | movement outline | summary of the payment mediation system by the embodiment. It is a figure which shows the operation | movement outline | summary of the payment mediation system by the embodiment. It is a block diagram which shows the structure of the portable terminal by the embodiment. It is a block diagram which shows the structure of the payment mediation apparatus by the embodiment. It is a figure which shows the structure of bill DB by the embodiment. It is a figure which shows the structural example of the small payment application DB by the embodiment. It is a figure which shows the structural example of transaction log | history DB by the embodiment. It is a figure which shows the description matter of the bill by the embodiment. It is a figure which shows the operation | movement procedure of the payment mediation system by the embodiment. It is a figure which shows the operation | movement procedure of the payment mediation system by the embodiment. It is a figure which shows the operation | movement procedure of the payment mediation system by the embodiment. It is a figure which shows the operation | movement procedure of the payment mediation system by the embodiment. It is a figure which shows the web screen for a small payment application application by the embodiment.

Explanation of symbols

100: Mobile terminal (payment request terminal)
110, 210 ... Control means 120, 220 ... Transmission / reception means 130 ... Input means 140 ... Display means 150 ... Imaging means 160 ... Individual application data storage means 170 ... Payment application execution means 171 ... Payment application authentication means 172 ... Image data counting means 173 ... Bar code conversion means 174 ... OCR character conversion means 175 ... Settlement request data transmission means 176 ... Settlement request means 200 ... Settlement mediation device 230 ... Invoice DB
240 ... small payment application DB
250 ... Payment application distribution means 251 ... Website provision means 252 ... Application examination acceptance means 253 ... Application examination result determination means 254 ... Individual application creation means 255 ... Individual application distribution means 260 ... Transaction history DB
270 ... Payment intermediary means 271 ... Data conversion means 272 ... Pre-examination request means 273 ... Pre-examination result determination means 274 ... Settlement execution instruction means 275 ... Post-processing means 276 ... Notification means 300 ... Financial institution apparatus 400 ... Multi-payment payment apparatus

Claims (17)

A payment intermediary system formed by connecting a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process;
The settlement request terminal is
Photographing means for photographing a bill and generating image data of a photographed image of the bill;
When the image data generated by the photographing means includes barcode image data, barcode conversion means for converting the barcode image data into a character code;
Character conversion means for converting character image data included in the image data into character code when the image data generated by the photographing means does not include barcode image data;
Payment request data transmission means for transmitting the character code converted by the barcode conversion means or the character conversion means to a payment intermediary device,
The settlement intermediary device is:
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
Receiving means for receiving the character code obtained from the image data of the photographed image of the invoice from the payment requesting terminal;
The invoice data in the storage means is specified by the character code received by the receiving means, information used for instructing payment processing is read from the specified invoice data, and payment instruction data is generated using the read information Data conversion means for
Payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to a payment apparatus,
A payment mediation system characterized by this. A payment intermediary system formed by connecting a user's payment request terminal and a payment intermediary device that mediates a payment request from the payment request terminal to a payment device that executes a payment process;
The settlement request terminal is
Photographing means for photographing a bill and generating image data of a photographed image of the bill;
Payment request data transmission means for transmitting image data generated by the photographing means to a payment intermediary device,
The settlement intermediary device is:
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
Receiving means for receiving image data of a photographed image of a bill from the settlement request terminal;
When the image data received by the receiving means includes barcode image data, barcode conversion means for converting the barcode image data into a character code;
Character conversion means for converting character image data contained in the image data into character code when the image data received by the receiving means does not include barcode image data;
The invoice data in the storage means is specified by the character code converted by the bar code conversion means or the character conversion means, information used for the instruction of the settlement process is read from the specified invoice data, and the read information is Data conversion means for generating settlement instruction data using,
Payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to a payment apparatus,
A payment mediation system characterized by this. The settlement intermediary device is:
A post-processing unit that receives the execution result of the payment process from the payment apparatus and writes information of a history of the payment process in the storage unit;
Notification means for transmitting information on the history of payment processing in the storage means to the payment request terminal;
The settlement intermediary system according to claim 1 or 2, characterized in that.   4. The payment intermediation according to claim 1, wherein the information used for the payment processing includes information on a financial institution and an account number of a deposit account, and information on a billing amount. system. The storage means further includes terminal identification information of the payment request terminal, a type of payment service, and information on an account number of a withdrawal account corresponding to a financial institution,
The payment request data transmitting means further transmits its terminal identification information, the type of payment service to be used, and information of the financial institution to the payment intermediary device,
The receiving means further receives terminal identification information, payment service type and financial institution information from the payment requesting terminal;
The data conversion means reads out the terminal identification information received by the receiving means and the account number information of the withdrawal account corresponding to the type of payment service and the information of the financial institution from the storage means, and this read out withdrawal Using the information of the account number of the account to generate the settlement instruction data,
The settlement execution instructing means transmits the settlement instruction data to a settlement apparatus corresponding to the type of settlement service received by the receiving means and a financial institution;
The settlement intermediary system according to any one of claims 1 to 4, wherein The data conversion means selects, when there is a plurality of invoice data specified by character codes, invoice data in which the information of the financial institution of the deposit account indicates the same financial institution as the financial institution of the withdrawal account Then, the information used for the payment processing instruction is read from the selected invoice data, and the payment instruction data is generated using the read information and the account number information of the withdrawal account.
The payment intermediary system according to claim 5. A payment intermediary apparatus used in a payment intermediary system in which a user's payment request terminal and a payment intermediary apparatus that mediates a payment request from the payment request terminal to a payment apparatus that executes a payment process are connected via a network. There,
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
Receiving means for receiving the character code obtained from the image data of the photographed image of the invoice from the payment requesting terminal;
The invoice data in the storage means is specified by the character code received by the receiving means, information used for instructing payment processing is read from the specified invoice data, and payment instruction data is generated using the read information Data conversion means for
Payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment apparatus;
A payment intermediary device comprising: A payment intermediary apparatus used in a payment intermediary system in which a user's payment request terminal and a payment intermediary apparatus that mediates a payment request from the payment request terminal to a payment apparatus that executes a payment process are connected via a network. There,
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
Receiving means for receiving image data of a photographed image of a bill from the settlement request terminal;
When the image data received by the receiving means includes barcode image data, barcode conversion means for converting the barcode image data into a character code;
Character conversion means for converting character image data contained in the image data into character code when the image data received by the receiving means does not include barcode image data;
The invoice data in the storage means is specified by the character code converted by the bar code conversion means or the character conversion means, information used for the instruction of the settlement process is read from the specified invoice data, and the read information is Data conversion means for generating settlement instruction data using,
Payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment apparatus;
A payment intermediary device comprising: A settlement request terminal used in a settlement mediation system in which a settlement request terminal of a user and a settlement mediation apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes settlement processing are connected via a network. There,
Photographing means for photographing a bill and generating image data of a photographed image of the bill;
When the image data generated by the photographing means includes barcode image data, barcode conversion means for converting the barcode image data into a character code;
Character conversion means for converting character image data included in the image data into character code when the image data generated by the photographing means does not include barcode image data;
Payment request data transmission means for transmitting the character code converted by the barcode conversion means or the character conversion means to a payment intermediary device;
A payment request terminal comprising: A settlement mediation method used in a settlement mediation system in which a user settlement request terminal and a settlement mediation apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes settlement processing are connected via a network. There,
The settlement intermediary device is:
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
The settlement request terminal is
A shooting step for shooting an invoice and generating image data of a captured image of the invoice;
When the image data generated in the photographing step includes barcode image data, a barcode conversion step of converting the barcode image data into a character code;
When the image data generated in the photographing step does not include barcode image data, a character conversion step of converting character image data included in the image data into a character code;
A payment request data transmission step of transmitting the character code converted in the barcode conversion step or the character conversion step to a payment intermediary device;
The settlement intermediary device,
A receiving step of receiving a character code obtained from the image data of the photographed image of the invoice from the payment requesting terminal;
The invoice data in the storage means is specified by the character code received in the receiving step, information used for an instruction for payment processing is read from the specified invoice data, and payment instruction data is generated using the read information A data conversion step to perform,
A payment execution instruction step of transmitting the payment instruction data generated in the data conversion step to a payment device;
A settlement mediation method characterized by comprising: A settlement mediation method used in a settlement mediation system in which a user settlement request terminal and a settlement mediation apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes settlement processing are connected via a network. There,
The settlement intermediary device is:
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
The settlement request terminal is
A shooting step for shooting an invoice and generating image data of a captured image of the invoice;
A settlement request data transmission step for transmitting the image data generated in the photographing step to a settlement intermediary device;
The settlement intermediary device,
A receiving step of receiving image data of a photographed image of a bill from the settlement request terminal;
When the image data received in the reception step includes barcode image data, a barcode conversion step of converting the barcode image data into a character code;
A character conversion step of converting character image data included in the image data into a character code when the image data received in the reception step does not include barcode image data;
The bill data in the storage means is specified by the character code converted in the barcode conversion step or the character conversion step, information used for a settlement processing instruction is read from the specified bill data, and the read information is A data conversion step for generating settlement instruction data using,
A payment execution instruction step of transmitting the payment instruction data generated in the data conversion step to a payment device;
A settlement mediation method characterized by comprising: Used in a payment mediation apparatus of a payment mediation system in which a user's payment request terminal and a payment mediation apparatus that mediates a settlement request from the payment request terminal to a payment apparatus that executes a settlement process are connected via a network. A payment intermediary method,
The settlement intermediary device is:
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
A receiving step of receiving a character code obtained from the image data of the photographed image of the invoice from the payment requesting terminal;
The invoice data in the storage means is specified by the character code received in the receiving step, information used for an instruction for payment processing is read from the specified invoice data, and payment instruction data is generated using the read information A data conversion step to perform,
A payment execution instruction step of transmitting the payment instruction data generated in the data conversion step to a payment device;
A settlement mediation method characterized by comprising: Used in a payment mediation apparatus of a payment mediation system in which a user's payment request terminal and a payment mediation apparatus that mediates a settlement request from the payment request terminal to a payment apparatus that executes a settlement process are connected via a network. A payment intermediary method,
The settlement intermediary device is:
Storage means for storing bill data including information for identifying a bill and information used for a payment processing instruction;
A receiving step of receiving image data of a photographed image of a bill from the settlement request terminal;
When the image data received in the reception step includes barcode image data, a barcode conversion step of converting the barcode image data into a character code;
A character conversion step of converting character image data included in the image data into a character code when the image data received in the reception step does not include barcode image data;
The bill data in the storage means is specified by the character code converted in the barcode conversion step or the character conversion step, information used for a settlement processing instruction is read from the specified bill data, and the read information is A data conversion step for generating settlement instruction data using,
A payment execution instruction step of transmitting the payment instruction data generated in the data conversion step to a payment device;
A settlement mediation method characterized by comprising: Used for a settlement request terminal of a settlement mediation system in which a settlement request terminal of a user and a settlement mediation apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes settlement processing are connected via a network. A payment intermediation request method,
A shooting step for shooting an invoice and generating image data of a captured image of the invoice;
When the image data generated in the photographing step includes barcode image data, a barcode conversion step of converting the barcode image data into a character code;
When the image data generated in the photographing step does not include barcode image data, a character conversion step of converting character image data included in the image data into a character code;
A payment request data transmission step of transmitting the character code converted in the barcode conversion step or the character conversion step to a payment intermediary device;
A settlement mediation request method characterized by comprising: A settlement intermediary apparatus used in a settlement intermediary system in which a user settlement request terminal and a settlement intermediary apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes a settlement process are connected via a network. Computer
Storage means for storing bill data including information for identifying a bill and information used for an instruction of a settlement process;
Receiving means for receiving a character code obtained from the image data of the photographed image of the invoice from the payment requesting terminal;
The invoice data in the storage means is specified by the character code received by the receiving means, information used for instructing payment processing is read from the specified invoice data, and payment instruction data is generated using the read information Data conversion means,
Payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment apparatus;
Computer program to function as. A settlement intermediary apparatus used in a settlement intermediary system in which a user settlement request terminal and a settlement intermediary apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes a settlement process are connected via a network. Computer
Storage means for storing bill data including information for identifying a bill and information used for an instruction of a settlement process;
Receiving means for receiving image data of a photographed image of a bill from the settlement request terminal;
A barcode conversion means for converting the barcode image data into a character code when the image data received by the reception means includes barcode image data;
Character conversion means for converting character image data contained in the image data into character code when the image data received by the receiving means does not contain barcode image data,
The invoice data in the storage means is specified by the character code converted by the bar code conversion means or the character conversion means, information used for the instruction of the settlement process is read from the specified invoice data, and the read information is Data conversion means for generating settlement instruction data using,
Payment execution instruction means for transmitting the payment instruction data generated by the data conversion means to the payment apparatus;
Computer program to function as. A settlement request terminal used in a settlement mediation system in which a settlement request terminal of a user and a settlement mediation apparatus that mediates a settlement request from the settlement request terminal to a settlement apparatus that executes settlement processing are connected via a network. Computer
Photographing means for controlling photographing of the invoice and generating image data of the photographed image of the invoice;
A barcode converting means for converting the barcode image data into a character code when the image data generated by the photographing means includes barcode image data;
Character conversion means for converting character image data contained in the image data into character code when the image data generated by the photographing means does not include barcode image data,
Payment request data transmission means for transmitting the character code converted by the barcode conversion means or the character conversion means to a payment intermediary device;
Computer program to function as.

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