JP2007241670A - Electronic settlement system, electronic settlement method, electronic settlement program and recording medium - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To considerably shorten a settlement time required for electronic settlement processing, with simple constitution. <P>SOLUTION: When settlement processing for merchandise purchase is performed based on account balance as credit limit information from a server 30, by a settlement program 11 achieving a settlement means of a cellphone 10 as a mobile terminal for use in electronic settlement, whether an account can be settled is determined from the amount of settlement for the merchandise purchase and credit limit information supplied from the cellphone 10 by a read-write program achieving a settlement determining means of a reader-writer 20, and when the account can be settled, the amount of settlement is given to the cellphone, and a server 30 is notified of the amount of settlement from the cellphone 10. Credit limit information based on the amount of settlement is thereby updated by a credit program 31 achieving a credit limit information management means of the server 30. <P>COPYRIGHT: (C)2007,JPO&INPIT

Description

  The present invention relates to an electronic payment system, an electronic payment method, an electronic payment program, and a recording medium suitable for electronic payment.

  As settlement methods that do not use cash, there are post-payment methods such as credit cards (post-pay) and pre-payment methods such as electronic money (prepaid). Generally, a credit card uses a terminal (hereinafter collectively referred to as a credit card) such as a mobile phone equipped with a magnetic card, an IC card, or an IC chip.

  In payment using a credit card, which is a post-payment method, at the time of payment, the credit card reader installed in the store reads the credit card for credit inquiry (credit check) of the credit card user, and the center (card company The credit check system), and after completing the credit check, the payment is completed. As described above, since communication with the center occurs in the middle, the payment processing takes time.

  On the other hand, for electronic money, generally a terminal such as a mobile phone (hereinafter collectively referred to as an electronic money card) equipped with an IC card or an IC chip is used. In payment using electronic money, which is a prepaid method, an electronic value equivalent to cash is held in the electronic money card in advance, and at the time of payment, between the electronic money read / write device installed in the store and the electronic money card Communicate only with and complete the payment.

  For this reason, since communication with a center such as a credit card does not occur, the payment processing does not take time. However, since the cash value is stored in the electronic money card, there is a concern that the cash value may be lost due to damage or loss of the electronic money card. For this reason, on the card side, a post-payment method that does not hold cash value and a payment mechanism that does not require a payment processing time is desired.

  Patent Document 1 discloses that only a very small amount of information such as a telephone number is stored in a mobile phone, and detailed information corresponding to the above information is registered in the database of the CCS center. A credit card payment system is proposed in which a credit phone server is accessed according to the above, and necessary information is read from a database to make a card payment.

  Further, in Patent Document 2, the customer calculates the total purchase amount, selects the payment method, and in the case of credit card payment, the credit check and the content check are performed using the mobile phone e-mail. A system is proposed.

Further, Patent Document 3 proposes a credit processing method for inquiring whether or not payment with a credit card can be made to the store controller before the product purchase price is determined.
Japanese Patent Laid-Open No. 2001-351034 JP 2003-187334 A Japanese Patent Laid-Open No. 03-164892

  However, in the credit card payment system disclosed in Patent Document 1, communication between the reading device of the store and the server is necessary for credit frame confirmation and the like, which not only prolongs the payment time but also communicates with the server. There was a problem that a mechanism was necessary.

  Further, in the payment system shown in Patent Document 2, communication between the store's payment machine and the server is required for credit line confirmation and the like. There was a problem that a mechanism to do this was necessary.

  Further, in the credit processing method disclosed in Patent Document 3, since the store controller is inquired of whether or not payment by credit card is possible before the product purchase price is determined, it is determined whether or not the product purchase price exceeds the credit limit. There was a problem that could not be done. If it is determined whether or not the credit limit is exceeded, it is necessary to make an inquiry to the store controller again, and as described above, the settlement time is prolonged, and the credit card reader has a store controller. A mechanism for communication is required.

  The present invention has been made in view of such a situation, and an object thereof is to provide an electronic settlement system, an electronic settlement method, an electronic settlement program, and a recording medium that can solve the above problems.

An electronic payment system according to the present invention is an electronic payment system that performs product purchase by electronic payment, a mobile terminal used for electronic payment, a server that provides credit line information to the mobile terminal via a communication path, A read / write device that reads / writes information from / to the mobile terminal at the time of payment associated with the purchase, the mobile terminal performs a payment process associated with product purchase based on credit frame information from the server, Payment means for notifying the server of the payment amount associated with the product purchase, the read / write device determines whether payment is possible from the payment amount associated with the product purchase and credit line information provided from the mobile terminal; Payment determination means for giving the payment amount to the mobile terminal when payment is possible, the server gives credit frame information in response to a request from the mobile terminal, and the payment amount is notified When, characterized by having a credit information managing means for updating the credit information based on the payment amount.
Further, when the payment means of the mobile terminal receives the payment amount from the payment determination means of the read / write device, the credit frame information from the server is deleted, and the credit frame updated from the server at the time of next product purchase Information can be received.
The credit line information is an account balance, and when the server receives a payment amount from the mobile terminal, the credit line information management unit may reduce the account balance according to the payment amount. it can.
Further, the credit frame information is a credit frame amount of a credit sales card, and the payment determination means of the read / write device receives the credit sales card number from the mobile terminal, and the credit sales card number and the payment amount are sent to the server. When notified, the credit frame information management means of the server can reduce the credit frame amount according to the settlement amount.
The electronic payment method of the present invention is an electronic payment method in which product purchase is performed by electronic payment. The mobile terminal used for electronic payment performs payment processing associated with product purchase based on credit frame information from a server, It is possible to make a settlement by notifying the settlement amount associated with the purchase of the product to the server and whether the settlement is possible from the settlement amount associated with the purchase of the product and the credit line information provided from the mobile terminal by the read / write device. Providing the payment amount to the mobile terminal, and providing the credit frame information in response to a request from the mobile terminal by the server, and when the payment amount is notified, the credit frame based on the payment amount And updating the information.
In addition, when the mobile terminal receives the payment amount from the read / write device, the credit line information from the server is deleted, and the credit line information updated from the server is received at the time of next product purchase. Can do.
Further, the credit line information is an account balance, and when the payment amount is received from the mobile terminal by the server, the account balance can be reduced according to the payment amount.
Further, the credit frame information is a credit frame amount of a credit card, and the read / write device receives the credit card number from the mobile terminal, and notifies the server of the credit card number and the payment amount. The server can reduce the credit line amount according to the settlement amount.
An electronic payment program according to the present invention is an electronic payment program for executing an electronic payment method for performing product purchase by electronic payment. The mobile terminal used for electronic payment purchases the product based on credit line information from a server. Whether payment is possible from the payment amount associated with the product purchase and credit line information provided from the mobile terminal by the step of notifying the server of the settlement amount associated with the product purchase and the read / write device When the payment is possible, the step of giving the payment amount to the mobile terminal, and the server gives credit frame information in response to a request from the mobile terminal, and the payment amount is notified, Updating the credit line information based on the settlement amount.
In addition, when the mobile terminal receives the payment amount from the read / write device, the credit line information from the server is deleted, and the credit line information updated from the server is received at the time of next product purchase. Can do.
Further, the credit line information is an account balance, and when the payment amount is received from the mobile terminal by the server, the account balance can be reduced according to the payment amount.
Further, the credit frame information is a credit frame amount of a credit card, and the read / write device receives the credit card number from the mobile terminal, and notifies the server of the credit card number and the payment amount. The server can reduce the credit line amount according to the settlement amount.
A recording medium according to the present invention is recorded with the electronic settlement program according to any one of claims 9 to 12.
In the electronic payment system, the electronic payment method, the electronic payment program, and the recording medium of the present invention, when a payment process associated with product purchase is performed by a portable terminal used for electronic payment based on credit frame information from a server, , It is determined whether payment is possible from the payment amount associated with the purchase of the product and the credit line information given from the mobile terminal. If payment is possible, the payment amount is given to the mobile terminal, and the payment amount is transferred from the mobile terminal to the server. By being notified, the credit line information based on the payment amount is updated by the server.

  According to the electronic payment system, the electronic payment method, the electronic payment program, and the recording medium of the present invention, is it possible to make a payment between the mobile terminal and the read / write device from the payment amount associated with the purchase of the product and the credit line information of the mobile terminal? By determining whether or not the settlement process is performed, the confirmation process between the read / write device and the server becomes unnecessary, and the settlement time can be greatly shortened. In addition, since the confirmation process between the reading / writing device and the server is not required, it is possible to eliminate the need to construct a communication system for the confirmation process.

  As shown in FIG. 11, the process up to the payment processing is as indicated by the circled numbers 1-9. In other words, a mobile phone with a payment function held by a consumer can make payment by payment using a mobile phone together with the account number of the consumer to a bank server where the consumer himself / herself has an account through a communication channel such as the Internet. A request to confirm the upper limit amount (hereinafter referred to as payment limit amount) is transmitted.

  In transmitting the account number, identity verification such as password entry is performed, but in this embodiment, there is no limitation on the means. For example, a bank server that has received a request for confirmation of the payment limit uses the upper limit of how much the corresponding consumer can make a purchase as the payment limit, based on the account balance of the corresponding consumer or schedule of deposits and withdrawals. Set and send payment limit to mobile phone. How to calculate the payment limit is arbitrary.

  The payment limit is generally set to an amount that can be secured by a financial institution such as a bank or a credit card company. The mobile phone that has received the payment limit holds the payment limit as information. The payment limit is recorded so that it cannot be easily tampered with by means of encryption or the like, but the means for recording is arbitrary.

  After the above operation, it is assumed that a consumer makes a purchase at a store or the like, and performs settlement using a mobile phone with a settlement function. It is assumed that a payment amount for shopping (hereinafter referred to as a payment amount) is recorded in a reading / writing device of a mobile phone with a payment function installed in a store.

  The means for recording the payment amount in the read / write device may be transmitted from a store POS system or key input by a store clerk, for example. When the consumer reads the reading / writing device by holding the mobile phone over the reading / writing device, the mobile phone communicates with the reading / writing device and transmits the retained payment limit amount to the reading / writing device.

  The read / write device that has received the payment limit compares the payment limit with the amount of payment, and if it is determined that payment is possible, transmits information that uniquely identifies the store (hereinafter referred to as store ID) and the payment to the mobile phone. To do. The mobile phone that has received the store ID and the payment amount retains these pieces of information and updates the retained payment limit amount to zero.

  The store ID and the payment amount are recorded so that they cannot be easily tampered with by means such as encryption, but the means for recording is arbitrary. This completes the settlement at the store.

  After the above operation, the mobile phone communicates with a bank server, for example, and sends a payment request together with the account number, store ID, and settlement amount of the corresponding consumer. The server that has received the payment request confirms payment of the amount of payment from the account indicated by the account number to the store account indicated by the store ID, and updates the balance of the account indicated by the account number.

  Here, actual deposits and withdrawals between accounts are performed using an existing mechanism. The server also sets a new payment limit based on the updated account balance and deposit / withdrawal schedule, and transmits the payment limit to the mobile phone. The mobile phone that has received the payment limit holds the payment limit as information. After this, the consumer can shop again.

  In addition, before the consumer purchases the product, the mobile phone owned by the consumer communicates with the credit sales system (server) for settlement, and the payment limit (credit line) is preliminarily used as credit line information. You may keep it. When a consumer actually purchases a product and makes a payment using a mobile phone, communication is performed only between the read / write device of the store and the mobile phone, the payment limit held by the mobile phone is confirmed, and the store identifier And payment information such as payment amount is recorded on the mobile phone, and the payment is completed.

  After the payment is completed, the mobile phone delivers information such as the store identifier and the payment amount to the server, so that payment and settlement are performed, and the payment limit amount held in the mobile phone is updated. In this way, the consumer can make a payment by a post-payment method without waiting for the payment process at the store.

Examples of the present invention will be described below.
Example 1
FIG. 1 is a diagram for explaining a first embodiment of the electronic settlement system of the present invention. As shown in the figure, the electronic payment system includes a mobile phone 10, a read / write device 20, and a server 30. The mobile phone 10 and the server 30 are connected via a communication path 40. Assume that the consumer uses the mobile phone 10 to settle the purchase price for the product. In addition, although the case where a consumer uses the mobile phone 10 is illustrated here, it is a matter of course that the present invention is not limited to the mobile phone 10 and may be another mobile terminal such as a PDA.

  The mobile phone 10 communicates with the read / write device 20 and the server 30, a payment program 11 that realizes payment, an input unit 12 that receives input from a consumer, and a communication unit 13 that communicates with the read / write device 20 and transmits / receives information. And a storage unit 14 for holding various types of information.

  Here, as shown in FIG. 2A, the storage unit 14 shows the consumer's account number 141, the payment limit 142, the store ID 143 that is an identifier indicating the store where the product is purchased, and the purchase price of the product. The settlement amount 144 is stored.

    The read / write device 20 is installed in a store, for example, and communicates with the mobile phone 10 to communicate with the mobile phone 10, a read / write program 21 that realizes payment, an input unit 22 that accepts input from store employees, and the mobile phone 10. , A communication unit 23 that transmits and receives information, and a storage unit 24 that stores various types of information.

  Here, as shown in FIG. 2B, the storage unit 24 stores a store ID 241 that is an identifier indicating a store, and a settlement amount 242 that indicates a purchase price of a product.

  The server 30 is operated by a bank in which consumers have accounts, and includes a credit program 31 that communicates with the mobile phone 10 and realizes settlement, and an account DB 32.

  Here, the account DB 32 stores an account number 321 that holds the consumer's account number and a balance 322 that holds the balance held by the consumer's account, as shown in FIG.

  The communication path 40 provides a single or composite communication path such as a cellular phone network or the Internet, and any means can be used.

  Next, an electronic payment method will be described. In the following, the consumer uses the mobile phone 10 equipped with a non-contact type IC chip, the read / write device 20 installed in the store can communicate with the non-contact type IC chip in a non-contact manner, and the payment amount is determined by the store employee. The description will be made assuming that the consumer's account balance itself is set as the payment limit amount that is input using the input unit 22 of the read / write device 20 and presented to the consumer.

  First, as shown in FIG. 3, various types of information are initialized. That is, the consumer operates the input unit 12 of the mobile phone 10 to start the settlement program 11 and inputs his / her account number (steps S1 and S2). Normally, a bank with an account will also be specified, but here it is assumed that an account of a specific bank is shown.

  At this time, the settlement program 11 records the input account number as the account number 141 in the storage unit 14 (step S3) and transmits an account number and a payment limit confirmation request to the credit program 31 of the server 30 ( Step S4).

  The credit program 31 of the server 30 that has received the payment limit confirmation request acquires the balance 322 corresponding to the account number 321 of the account DB 32 that matches the received account number (step S5), and carries that value as the payment limit amount. It transmits to the settlement program 11 of the telephone 10 (step S6). The settlement program 11 of the mobile phone 10 that has received the payment limit amount records the received payment limit amount in the storage unit 14 as the payment limit amount 142, and also records an empty value as the store ID 143 and the settlement amount 144 (step S7). ). The initialization is thus completed.

  Next, after the initialization is completed, when the consumer makes a purchase at the store and performs the settlement, the following settlement processing is performed. It is assumed that a value is recorded in advance in the store ID 241 of the storage unit 24 of the read / write device 20.

  That is, as shown in FIG. 4, the store employee operates the input unit 22 of the read / write device 20 to start the read / write program 21 and inputs the price of goods or services purchased by the consumer as a settlement amount ( Steps S8 and S9). The read / write program 21 records the input payment amount in the storage unit 24 as the payment amount 242 (step S10).

  Next, when the consumer holds (communicates) the mobile phone 10 over the read / write device 20 (step S11), the settlement program 11 of the mobile phone 10 connects the read / write program 21, the communication unit 13 and the communication unit 23 of the read / write device 20. And the payment limit 142 is transmitted to the read / write program 21 (steps S12 and S13).

  The read / write program 21 of the read / write device 20 that has received the payment limit 142 compares the value of the payment limit 142 with the value of the settlement amount 242 of the storage unit 24, and can settle if the payment limit 142 is greater than or equal to the settlement amount 242. Is determined (step S14). Here, if it is determined that payment is impossible, payment is interrupted and the consumer cannot purchase the product.

  When payment is possible, the read / write program 21 transmits the store ID 241 and the payment amount 242 in the storage unit 24 to the payment program 11 of the mobile phone 10 and makes the value of the payment amount 242 empty (steps S15 to S17).

  Upon receiving the store ID 241 and the settlement amount 242, the settlement program 11 of the mobile phone 10 records the store ID 241 as the store ID 143 and the settlement amount 242 as the settlement amount 144 in the storage unit 14 and sets the value of the payment limit 142 to zero. (Step S18). This completes the settlement process at the store.

  After the payment process at the store is completed, the actual payment of the purchase price of the product is performed by the following payment process. That is, as shown in FIG. 5, the settlement program 11 of the mobile phone 10 transmits the account number 141, store ID 143, settlement amount 144 and payment request stored in the storage unit 14 to the credit program 31 of the server 30 ( Steps S19 and S20).

  The credit program 31 of the server 30 that has received the payment request subtracts the value of the settlement amount 144 from the value of the balance 322 corresponding to the account number 321 of the account DB 32 that matches the received account number 141, and the updated balance 322 The value is sent to the settlement program 11 of the mobile phone 10 as the payment limit (steps S21 to S23).

  At the same time, the credit program 31 provides information such as the received account number 141, store ID 143, settlement amount 144, etc. to the existing mechanism for realizing deposits and withdrawals between accounts, and requests deposits and withdrawals between accounts ( Step S24). This mechanism is arbitrary.

  The settlement program 11 of the mobile phone 10 that has received the payment limit amount records the received payment limit amount in the storage unit 14 as the payment limit amount 142 and also records an empty value as the store ID 143 and the settlement amount 144 (step S25). ). Thus, the payment process is completed.

  When the consumer further purchases, the settlement process and the payment process at the store are alternately performed. If the consumer tries to make the next payment before the payment processing is completed, the payment limit remains zero due to the payment processing in FIG. 4 (step S18) at the store. In step S14 in FIG. 4, it is determined that payment is impossible, and the product cannot be purchased. In addition, since the store ID 143 and the settlement amount 144 held in the storage unit 14 of the mobile phone 10 are empty due to the completion of the payment process, the payment is not repeated many times.

  As described above, in the first embodiment, the payment program 11 for realizing the payment means of the mobile phone 10 as a mobile terminal used for electronic payment is accompanied by the purchase of a product based on the account balance as credit line information from the server 30. When performing the payment process, the read / write program 21 that realizes the payment determination means of the read / write device 20 determines whether payment is possible from the payment amount associated with the purchase of the product and the credit line information given from the mobile phone 10, and payment is possible. In some cases, the payment amount is given to the mobile phone 10, and the payment amount is notified from the mobile phone 10 to the server 30, so that the credit program 31 that realizes the credit frame information management means of the server 30 is based on the payment amount. The credit line information was updated.

  As a result, in the payment process at the store, communication is performed only between the mobile phone 10 and the read / write device 20, so that the payment process can be completed immediately, so that the payment time can be greatly shortened.

  Further, since there is no need for the center system and the store equipment to communicate with each other unlike a conventional credit card, the store-side equipment can be realized at a low cost.

  Further, since the consumer does not need to hold information having a cash value in the mobile phone 10, the cash value is not lost due to a failure, loss, or theft of the mobile phone 10, which is extremely effective in terms of security.

  Further, the payment limit (credit frame) to be given to the mobile phone 10 can be automatically updated with immediacy according to the account balance or the purchase of the product.

(Example 2)
FIG. 6 is a diagram for explaining a second embodiment when the configuration of the electronic settlement system of FIG. 1 is changed. In the following description, parts common to those in FIG.

  In the electronic settlement system shown in the figure, the read / write device 20 and the server 30 are connected by a communication path 41. As described above, the communication path 41 provides a single or composite communication path such as a mobile phone network or the Internet, and any means can be used.

  Similarly to the above, the mobile phone 10 includes a settlement program 11, an input unit 12, a communication unit 13, and a storage unit 14, but the storage unit 14 includes, as shown in FIG. The consumer's account number 141 and the payment limit 142 are stored.

    As described above, the read / write device 20 includes a read / write program 21, an input unit 22, a communication unit 23, and a storage unit 24. In the storage unit 24, as shown in FIG. A store ID 241 that is an identifier indicating a store, a settlement amount 242 that indicates a purchase price of a product, and an account number 243 are stored.

  Similarly to the above, the server 30 includes a credit program 31 and an account DB 32. As shown in FIG. 7C, the account DB 32 includes an account number 321 for holding a consumer's account number, a consumer The balance 322 that holds the balance held in the account is stored.

  Next, an electronic payment method will be described. In the following description, the payment limit will be described as a credit limit which is credit limit information of a credit card.

  First, as shown in FIG. 8, various information is initialized. That is, the consumer operates the input unit 12 of the mobile phone 10 to start the settlement program 11 and inputs his / her account number (steps S30 and S31). Here, it is assumed that a credit card number of a credit card, for example, is input as an account number, not a specific bank account, as described above.

  At this time, the settlement program 11 records the input account number (credit card number) in the storage unit 14 as the account number 141 (step S32), and stores the account number (credit card number) in the credit program 31 of the server 30. A payment limit confirmation request is transmitted (step S33).

  The credit program 31 of the server 30 that has received the payment limit confirmation request acquires the balance 322 corresponding to the account number 321 of the account DB 32 that matches the received account number (step S34), and carries the value as the payment limit amount. It transmits to the settlement program 11 of the telephone 10 (step S35). The settlement program 11 of the mobile phone 10 that has received the payment limit amount records the received payment limit amount as the payment limit amount 142 in the storage unit 14 (step S36). The initialization is thus completed.

  In addition, after the payment limit 142 is recorded in the memory | storage part 14 of the mobile telephone 10, when account balance changes by use of bank ATM etc., it communicates from the server 30 to the mobile telephone 10, and the payment maximum 142 Is updated. In this case, the payment limit 142 can be set based on an accurate account balance (credit amount).

  Next, after the initialization is completed, when the consumer makes a purchase at the store and performs the settlement, the following settlement processing is performed. That is, as shown in FIG. 9, the store employee operates the input unit 22 of the read / write device 20 to start the read / write program 21 and inputs the price of goods or services purchased by the consumer as a settlement amount ( Steps S37 and S38).

  Here, the store employee does not input the product purchase price, which is the settlement amount, by the input unit 22 of the read / write device 20, but the information is delivered from the POS system or the like to the read / write device 20. The read / write program 21 records the input payment amount as the payment amount 242 in the storage unit 24 (step S39).

  Here, when the settlement amount is recorded in the storage unit 24 as the settlement amount 242, an actual payment is not performed for each settlement, and a plurality of settlements are performed at a predetermined date such as the end of the month. The settlement amount is stored as a payment schedule and is reflected in the calculation of the payment limit.

  Next, when the consumer holds (communicates) the mobile phone 10 over the read / write device 20 (step S40), the settlement program 11 of the mobile phone 10 connects the read / write program 21 of the read / write device 20, the communication unit 13 and the communication unit 23. The account number (credit card number) 141 and the payment limit 142 are transmitted to the read / write program 21 (steps S41 and S42).

  The read / write program 21 of the read / write device 20 that has received the account number (credit card number) 141 and the payment limit 142 compares the value of the payment limit 142 with the value of the settlement amount 242 of the storage unit 24, and the payment limit 142 If the settlement amount is 242 or more, it is determined that settlement is possible (step S43). Here, if it is determined that payment is impossible, payment is interrupted and the consumer cannot purchase the product.

  When payment is possible, the read / write program 21 stores the account number (credit card number) 141 as the account number 243 in the storage unit 24 (step S44), and transmits a payment completion notification to the payment program 11 of the mobile phone 10 ( Step S45). This completes the settlement process at the store.

  After the payment process at the store is completed, the actual payment of the purchase price of the product is performed by the following payment process. That is, as shown in FIG. 10, the read / write program 21 of the read / write device 20 acquires the account number 243 and the settlement amount 242 from the storage unit 24 (step S46), and sends the account number 243 and the settlement amount to the credit program 31 of the server 30. 242 is transmitted (step S47).

  The credit program 31 of the server 30 updates the balance 322 by subtracting the value of the settlement amount 242 from the value of the balance 322 corresponding to the account number 321 that matches the received account number 243 (step S48), and performs deposit / withdrawal between the accounts. The deposit / withdrawal is requested to the existing mechanism (step S49), and the payment processing completion is notified to the read / write program 21 of the read / write device 20 (step S50).

  The read / write program 21 that has received the payment process empties the account number 243 and the settlement amount 242 (step S51). On the other hand, the settlement program 11 of the mobile phone 10 acquires the account number (credit card number) 141 from the storage unit 14 (step S52), and sends the account number (credit card number) 141 and the payment limit amount to the credit program 31 of the server 30. When the confirmation request is transmitted (step S53), the credit program 31 acquires the balance 322 corresponding to the account number 321 that matches the account number (credit card number) 141 from the account DB 32 (step S54).

  When the credit program 31 transmits the acquired balance 322 as the payment limit amount to the payment program 11 of the mobile phone 10 (step S55), the payment program 11 of the mobile phone 10 uses the received payment limit amount as the payment limit amount 142 as the storage unit 14 (Step S56). Thus, the payment process is completed. When the consumer further purchases, the settlement process and the payment process at the store are alternately performed.

  As described above, in the second embodiment, the credit frame information is, for example, the credit frame amount of a credit card, and the read / write device 20 receives the credit card number from the mobile phone 10, and the credit card number and the payment amount are stored in the server. When the notification is sent to the server 30, the credit amount is reduced by the server in accordance with the settlement amount, so that the payment request from the mobile phone 10 to the server 30 can be made unnecessary, and the settlement processing at the store is completed. Thereafter, even when payment processing cannot be performed due to a failure of the mobile phone 10 or the like, the payment processing can be performed correctly.

  In each of the first and second embodiments, the account number is transmitted from the mobile phone 10 to the server 30. However, the present invention is not limited to this example, and a unique identifier of the mobile phone 10 is transmitted. It may be. In this case, the mobile phone 10 that can be used for the settlement can be limited by the identifier of the mobile phone 10 and the account number being linked on the server 30 side.

  Further, in each of the first and second embodiments described above, when the account balance is changed by using a bank ATM after the payment limit is recorded on the mobile phone 10, the server 30 is changed to the mobile phone 10. Alternatively, the credit line information described above may be transmitted to update the payment limit on the mobile phone 10 side. In this case, it is possible to set a payment limit based on an accurate account balance or the like.

  Applicable to all systems associated with electronic payments.

It is a figure for demonstrating Example 1 of the electronic payment system of this invention. It is a figure for demonstrating the information memorize | stored in the memory | storage part and account DB of the mobile phone of FIG. It is a flowchart for demonstrating the electronic payment method which concerns on the initial setting in the electronic payment system of FIG. It is a flowchart for demonstrating the electronic payment method which concerns on the payment process in the store in the electronic payment system of FIG. It is a flowchart for demonstrating the electronic payment method which concerns on the payment process in the electronic payment system of FIG. It is a figure for demonstrating Example 2 at the time of changing the structure of the electronic payment system of FIG. It is a figure for demonstrating the information memorize | stored in the mobile telephone of FIG. 6, the reading / writing apparatus, the memory | storage part of a server, and account DB. It is a flowchart for demonstrating the electronic payment method which concerns on the initial setting in the electronic payment system of FIG. It is a flowchart for demonstrating the electronic payment method which concerns on the payment process in the store in the electronic payment system of FIG. It is a flowchart for demonstrating the electronic payment method which concerns on the payment process in the electronic payment system of FIG. It is a figure for demonstrating embodiment of the electronic payment system of this invention.

Explanation of symbols

10 Mobile Phone 11 Settlement Program (Settlement Method)
12 input unit 13 communication unit 14 storage unit 20 read / write device 21 read / write program (payment determination means)
22 input unit 23 communication unit 24 storage unit 30 server 31 credit program (credit frame information management means)
32 Account DB
40 communication channel 41 communication channel 141 account number 142 payment limit 143 store ID
144 Settlement amount 241 Store ID
242 Settlement amount 243 Account number 321 Account number 322 Balance

Claims (13)

An electronic payment system for purchasing products by electronic payment,
A portable terminal used for electronic payment;
A server for giving credit frame information to the portable terminal via a communication path;
A reading and writing device that reads and writes information with the mobile terminal at the time of payment associated with product purchase,
The mobile terminal has a settlement means for performing settlement processing associated with product purchase based on credit frame information from the server, and notifying the server of a settlement amount associated with the product purchase,
The read / write device determines whether payment is possible based on the payment amount associated with the purchase of the product and credit line information given from the mobile terminal, and if payment is possible, payment determination means for giving the payment amount to the mobile terminal Have
The server includes credit frame information management means for providing credit frame information in response to a request from the mobile terminal and updating the credit frame information based on the payment amount when the payment amount is notified. Electronic payment system.   When the payment means of the mobile terminal receives the payment amount from the payment determination means of the read / write device, the payment frame information from the server is erased and the credit frame information updated from the server at the time of next product purchase is displayed. The electronic payment system according to claim 1, wherein the electronic payment system is received.   The credit line information is an account balance, and when the server receives a settlement amount from the mobile terminal, the credit balance information management unit reduces the account balance according to the settlement amount. The electronic payment system according to 1 or 2.   The credit frame information is a credit frame amount of a credit card, and the payment determination unit of the read / write device receives the credit card number from the mobile terminal and notifies the server of the credit card number and the payment amount. 3. The electronic settlement system according to claim 1, wherein the credit amount is reduced by the credit amount information management means of the server according to the amount of settlement. An electronic payment method for purchasing products by electronic payment,
Performing a payment process associated with product purchase based on credit frame information from a server by a mobile terminal used for electronic payment, and notifying the server of a payment amount associated with the product purchase;
Determining whether payment is possible from the payment amount associated with the product purchase and credit line information given from the mobile terminal by a read / write device, and if the payment is possible, giving the payment amount to the mobile terminal;
The credit server information is provided by the server in response to a request from the mobile terminal, and when the payment amount is notified, the credit frame information is updated based on the payment amount. Payment Method.   When the mobile terminal receives a payment amount from the read / write device, the credit line information from the server is deleted, and the credit line information updated from the server is received at the time of next product purchase. Item 6. The electronic payment method according to Item 5.   7. The electronic device according to claim 5, wherein the credit line information is an account balance, and when the payment amount is received from the mobile terminal by the server, the account balance is reduced according to the payment amount. Payment Method.   The credit frame information is a credit frame amount of a credit card, and the read / write device receives the credit card number from the mobile terminal and notifies the server of the credit card number and the payment amount by the server. 7. The electronic settlement method according to claim 5, wherein the credit amount is reduced according to the settlement amount. An electronic payment program for executing an electronic payment method for purchasing products by electronic payment,
Performing a payment process associated with product purchase based on credit frame information from a server by a mobile terminal used for electronic payment, and notifying the server of a payment amount associated with the product purchase;
Determining whether payment is possible from the payment amount associated with the product purchase and credit line information given from the mobile terminal by a read / write device, and if the payment is possible, giving the payment amount to the mobile terminal;
The credit server information is provided by the server in response to a request from the mobile terminal, and when the payment amount is notified, the credit frame information is updated based on the payment amount. Payment program.   When the mobile terminal receives a payment amount from the read / write device, the credit line information from the server is deleted, and the credit line information updated from the server is received at the time of next product purchase. Item 10. The electronic payment program according to Item 9.   11. The electronic device according to claim 9, wherein the credit line information is an account balance, and when the payment amount is received from the mobile terminal by the server, the account balance is reduced according to the payment amount. Payment program.   The credit frame information is a credit frame amount of a credit card, and the read / write device receives the credit card number from the mobile terminal and notifies the server of the credit card number and the payment amount by the server. 11. The electronic settlement program according to claim 9, wherein the credit amount is reduced according to the settlement amount.   13. A recording medium on which the electronic payment program according to claim 9 is recorded.

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