JP2008009749A - Electronic settlement system and electronic settlement processing apparatus - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic settlement system which increases the number of uses and the amount of money of settlement. <P>SOLUTION: The electronic settlement system includes an electronic money card having settlement service information 13 recorded therein and an electronic settlement processing apparatus 20 which allows execution of settlement processing based on settlement service information 13 in response to reading out the corresponding settlement service information from the electronic money card 10. In the electronic settlement processing apparatus 20, a main control part 25 comprises: a priority setting part 29 which preliminarily sets priorities to a plurality of pieces of settlement service information 13 in accordance with amounts of benefit given to a user and; a settlement service information selection part 30 which selects settlement service information 13 for the settlement processing to be executed on the basis of priorities set by the priority setting part 29 when a plurality of pieces of settlement service information 13 are recorded in the electronic money card 10. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention relates to an electronic payment system and an electronic payment processing apparatus.

  2. Description of the Related Art Conventionally, various electronic payment systems have been provided in which valuable value is recorded in advance on a recording medium such as an IC card called an “electronic money card” and the price of goods and services is settled using this valuable value. ing. Since the electronic payment system does not need to bring cash together with the payment, there is an advantage that the payment process can be facilitated not only on the user side but also on the store side.

  Furthermore, in recent years, it has been attempted to further improve convenience by making one recording medium compatible with electronic payment systems of a plurality of different business operators. Specifically, a plurality of payment service information necessary for executing payment processing in the electronic payment system of each business operator is recorded on one recording medium, and these are selected as appropriate. As the payment service information, for example, business identification information for identifying a business of an electronic payment system is associated with a valuable value used in the electronic payment system, and these are used in the electronic payment system of a selected business. The payment process is executed by appropriately applying the information of the above.

  As a method for selecting settlement service information, a method based on the entered settlement amount is provided. Specifically, a payment method determination table in which the payment amount and the payment method are associated with each other is set in advance, and when the payment amount is input, the payment method is automatically selected according to the setting contents of the payment method determination table. Then, settlement processing is performed by the selected settlement means (see, for example, Patent Document 1).

Japanese Patent Laid-Open No. 2004-259152

  By the way, in this type of electronic payment system, in order to increase the number of users and increase the amount of payment, it is common for each business operator to set up a campaign as appropriate. As a campaign carried out by a business operator, for example, a discount for the price itself or a part of the settlement amount is returned as a valuable value or a point, which is beneficial to the user. Therefore, if these campaigns are used successfully, even if the same amount of payment is made, there may be a large difference in profits given to users.

  In the electronic payment system described above, since the payment processing is automatically performed when the payment amount is input, even if the user associates the payment amount with the payment means, If the amount does not match, there will be a situation where the campaign cannot be used, which is not preferable for the user side, and the campaign is not functioning effectively for the business side. It does not lead to an increase in the number of users or an increase in the payment amount.

  In view of the above circumstances, an object of the present invention is to provide an electronic settlement system and an electronic settlement processing apparatus capable of increasing the number of users and increasing the settlement amount.

  In order to achieve the above object, an electronic payment system according to claim 1 of the present invention is based on a recording medium in which payment service information is recorded and the corresponding payment service information when the corresponding payment service information is read from the recording medium. In an electronic payment system including an electronic payment processing device capable of executing payment processing, the electronic payment processing device sets priorities in advance for a plurality of payment service information according to the amount of profit given to a user. And a control means for selecting payment service information for performing payment processing according to the priority set by the priority setting means when a plurality of payment service information is recorded on the recording medium. Features.

  According to a second aspect of the present invention, in the electronic payment system according to the first aspect described above, the electronic payment processing apparatus includes a priority order storage unit that stores information indicating the priority order set by the priority order setting means. The control means selects payment service information for executing payment processing in accordance with the priority information stored in the priority storage unit.

  The electronic payment system according to claim 3 of the present invention is the electronic payment system according to claim 1, wherein the recording medium includes a priority storage unit that stores information indicating the priority set by the priority setting unit. The control means selects payment service information for executing payment processing according to the priority information stored in the priority storage unit.

  In addition, the electronic payment processing apparatus according to claim 4 of the present invention is used in an electronic payment processing apparatus that can execute a payment process based on the payment service information when the corresponding payment service information is read from a recording medium. Priority setting means for setting priorities for a plurality of payment service information in advance according to the amount of profit given to the user, and priority order setting means when a plurality of payment service information is recorded on the recording medium Control means for selecting payment service information for executing payment processing in accordance with the priority order.

  According to a fifth aspect of the present invention, there is provided an electronic settlement processing apparatus according to the fourth aspect, further comprising a priority order storage unit for storing information indicating the priority order set by the priority order setting means. The payment service information for performing the payment process is selected in accordance with the priority information stored in the priority storage unit.

  The electronic payment system according to claim 6 of the present invention can execute a payment process based on the payment service information when the payment service information is recorded and the corresponding payment service information is read from the recording medium. In the electronic payment system including the electronic payment processing device, the electronic payment processing device sets priority in advance for a plurality of payment service information in accordance with the magnitude of the profit given to the user. And the recording medium records a plurality of payment service information, and controls to select payment service information for performing payment processing according to the priority set by the priority setting means from the payment service information Means are provided.

  The electronic payment system according to claim 7 of the present invention is the electronic payment system according to claim 6, wherein the recording medium includes a priority storage unit that stores information indicating the priority set by the priority setting unit, The control means selects payment service information for executing payment processing according to the priority information stored in the priority storage unit.

  The electronic payment system according to claim 8 of the present invention can perform a payment process based on the payment service information when the payment service information is recorded and the corresponding payment service information is read from the recording medium. An electronic payment processing apparatus comprising: a display means for displaying a selection screen for these payment service information when a plurality of payment service information is recorded on a recording medium; And a selection means for selecting payment service information for executing the payment process from the selection means selection screen.

  The electronic payment system according to claim 9 of the present invention is the electronic payment system according to claim 8, wherein the electronic payment processing device prioritizes a plurality of payment service information in advance according to the amount of profit given to a user. And a display unit for displaying a payment service information selection screen according to the priority set by the priority setting unit.

  According to a tenth aspect of the present invention, there is provided an electronic payment processing apparatus according to claim 10, wherein when the corresponding payment service information is read from a recording medium, the payment process can be performed based on the payment service information. When a plurality of payment service information is recorded on the medium, a display means for displaying a selection screen for these payment service information, and a selection means for selecting payment service information for performing payment processing from the selection screen of the display means are provided. It is characterized by that.

  An electronic payment processing apparatus according to an eleventh aspect of the present invention is the priority setting according to the tenth aspect, in which priorities are set in advance for a plurality of pieces of payment service information according to the amount of profit given to a user. And the display means displays a payment service information selection screen according to the priority set by the priority setting means.

  According to the present invention, when a plurality of payment service information is recorded on the recording medium, the payment service information for performing the payment processing according to the priority order according to the magnitude of the profit given to the user is selected. For example, when a campaign is being carried out, the profit given to the user by using this efficiently is great. In addition, the business can expect an increase in the number of users and an increase in the settlement amount as long as a campaign with a large profit given to the users is made.

  Further, according to the present invention, when a plurality of payment service information is recorded on the recording medium, the payment service information can be selected through the selection screen displayed on the display means. In this case, if this is selected efficiently, the benefit given to the user becomes large. In addition, the business can expect an increase in the number of users and an increase in the settlement amount as long as a campaign with a large profit given to the users is made.

  Hereinafter, preferred embodiments of an electronic payment system and an electronic payment processing apparatus according to the present invention will be described in detail with reference to the accompanying drawings as appropriate.

(Embodiment 1)
FIG. 1 shows an electronic settlement system according to Embodiment 1 of the present invention, and illustrates an electronic settlement system to which an electronic money card 10 is applied as a recording medium.

  The electronic money card 10 is a non-contact type IC card provided with an IC chip, and includes an IC memory 11 and an IC control unit 12 as shown in FIG. The IC memory 11 records payment service information 13 necessary for executing payment processing. In the first embodiment, the settlement service information 13 is constituted by the business operator identification information and the value, and a plurality of settlement service information 13 with different business operators is recorded in the IC memory 11 of the electronic money card 10 separately. is there. The business operator identification information is used to identify a business operator who operates the electronic payment system, and is recorded in the shared area 13a of the IC memory 11 in a plain text state. The value is an electronic value that is used as a price when performing a settlement process, and an encryption process that is different for each company in the secure memory area 13b of the IC memory 11 that requires individual authentication for each company. It is recorded in the state that was given. The IC control unit 12 has a main function of managing the settlement service information 13 recorded in the IC memory 11.

  On the other hand, an electronic payment processing apparatus 20 for processing the electronic money card 10 includes an input unit 21, an output unit 22, a communication control unit 23, a reader / writer unit 24, and a main control unit (control means) 25. The input unit 21 is used to input various commands and information to the main control unit 25, and is configured by a keyboard, for example. The output unit 22 is for outputting output information given from the main control unit 25 to the outside, and is constituted by a display and a printer, for example. The communication control unit 23 controls transmission / reception of information to / from an external device, and is connected to a network NW such as the Internet. When the electronic money card 10 is placed in a predetermined access area, the reader / writer unit 24 can read / write information from / to the IC memory 11 of the electronic money card 10 and Information can be transmitted and received. In the first embodiment, a non-contact type reader / writer unit 24 that can read and write information from and to the electronic money card 10 in a non-contact state is applied. The main control unit 25 performs electronic payment processing according to programs and data recorded in the main memory (priority storage unit) 26 in advance, and instructions and information given through the input unit 21, the communication control unit 23, and the reader / writer unit 24. It performs overall processing of the apparatus 20 and includes a settlement processing unit 27, profit information collection unit 28, priority order setting unit 29, and settlement service information selection unit 30.

  When the payment service information 13 of the electronic money card 10 is given through the reader / writer unit 24, the payment processing unit 27 can execute the payment process on the condition that the payment service information 13 corresponds. Is. The payment process performed by the payment processing unit 27 is a subtraction process of the corresponding value based on the carrier identification information included in the payment service information 13 when a payment amount is given, and then the output unit 22 The receipt related to the current payment process is printed out. It is assumed that an authentication key, an encryption key, and a decryption key for each business operator that are necessary when performing a subtraction process on the value recorded in the IC memory 11 are prepared in the settlement processing unit 27 in advance. In the first embodiment, it is assumed that the payment processing unit 27 corresponds to an electronic payment system operated by a total of five operators A, B, C, D, and E.

  The profit information collecting unit 28 collects profit information periodically from an external device on the network NW through the communication control unit 23. The profit information is, for example, information on a campaign or the like announced through a server device S (see FIG. 1) installed in the network NW by a provider of the electronic payment system, and is used when the electronic payment system is used. It is intended for those who will benefit.

  The priority order setting unit 29 sets priority in the settlement service information 13 based on the profit information collected by the profit information collection unit 28 or profit information acquired from another route, and stores the priority in the main memory 26. 26a is stored. The priority is a priority in the case of selecting the payment service information 13 to be applied to the payment process, and is determined according to the magnitude of the profit given to the user. Specifically, the breakdown of profit information is business operator A = “double point grant”, business operator B = “5% discount on price”, business operator C = “5% reduction of value”, business operator D = “ If “None” and business operator E = “3 times point grant”, as shown in FIG. 3, the level of profit given to the user, in other words, the profitability for the user, business operator A = “7”, The operator B = “10”, the operator C = “9”, the operator D = “6”, and the operator E = “8” can be set, and this profitability is set as a priority order as it is. become. In other words, in the first embodiment, if the profitability of each business operator is replaced with a numerical value, the priority is set by the priority order setting unit 29 so that the business priority is business operator B> business operator C> business operator E> business operator A> business. This is stored in the main memory 26 as priority information 26a. The points notified by the business operators A and E as profit information are the points given according to the settlement amount. Prizes and services are granted by businesses to users whose total points have reached a predetermined value.

  When a plurality of payment service information 13 is given, the payment service information selection unit 30 reads the priority information 26a stored in the main memory 26, and the payment service information positioned at the top in accordance with the priority information 26a. 13 is selected to be applied to the settlement process.

  FIG. 4 is a flowchart showing the contents of the electronic payment process performed by the main control unit 25 of the electronic payment processing apparatus 20 described above. Hereinafter, with reference to FIG. 4, a case will be described in which electronic money settlement processing is performed on the price of a product purchased at a store in the electronic settlement system according to the first embodiment.

  In this electronic payment system, a staff member of a store that sells a product inputs the payment amount of the purchased product through the input unit 21, and when this is given to the main control unit 25 (step S101: YES), the main control unit 25 reads the reader / writer. The unit 24 enters a reading standby state for the electronic money card 10 (steps S102 and S103). During this time, if cancellation is instructed through the input unit 21 (step S103: YES), the current process is terminated without performing the process described later.

  On the other hand, when the electronic money card 10 is placed in the access area of the reader / writer unit 24 in the reading standby state and this is confirmed by a card sense response from the IC control unit 12 (step S102: YES), the main control unit 25 A command for reading the settlement service information 13 is sent to the electronic money card 10 through the reader / writer unit 24, and then a response standby state from the electronic money card 10 is entered (steps S104 and S105).

  When a read command is given from the main control unit 25 of the electronic payment processing apparatus 20, in the electronic money card 10, the IC control unit 12 reads the payment service information 13 from the business operator identification information recorded in the shared area 13 a of the IC memory 11. A process of identifying the operator and responding to the main control unit 25 is performed.

  When information specifying the payment service information 13 is returned from the electronic money card 10 in step S105 (step S105: YES), the main control unit 25 determines whether or not a plurality of payment service information 13 is recorded in the electronic money card 10. Is determined (step S106).

  When the payment service information 13 recorded in the electronic money card 10 is 2 or more (step S106: YES), the main control unit 25 uses the priority order stored in the main memory 26 through the payment service information selection unit 30. The information 26a is read (step S107), and the payment service information 13 positioned at the top is selected according to the priority information 26a (step S108). For example, when the payment service information 13 corresponding to the electronic payment system operated by a total of three operators A, C, and E is recorded on the electronic money card 10 owned by the user, the main control unit 25 Since the priorities of the priority information 26a are the business operator A = “7”, the business operator C = “9”, and the business operator E = “8”, the settlement service information of the business operator C positioned at the top of these. 13 is selected (step S108), and the payment processing is performed through the payment processing unit 27 based on the payment service information 13 of the business operator C (step S109). By carrying out this payment process, the value of the payment service information 13 of the business operator C recorded on the electronic money card 10 is subtracted, and a receipt is printed out from the printer of the electronic payment processing apparatus 20.

  Here, the above-described electronic payment system implemented using the electronic money card 10 has notified profit information having the largest profit given to the user among the payment service information 13 recorded in the electronic money card 10. It is operated by the operator. Therefore, even if the payment amount is the same, the benefit given to the user is maximized compared to the case where an electronic payment system operated by another operator is selected, and the satisfaction level of using the electronic payment system is significantly increased. It will be. Moreover, since profit information such as campaigns that are profitable for the user is regularly collected by the profit information collecting unit 28 of the electronic payment processing apparatus 20, the user himself / herself recognizes it by conducting a survey in advance. There is no need to use the electronic money card 10, and profits can be surely enjoyed as long as the electronic money card 10 is used. As a result, the number of users of the electronic payment system can be greatly increased, and a large increase in the payment amount can be expected.

  If there is only one settlement service information 13 recorded on the electronic money card 10 (step S106: NO), the only settlement service recorded without performing the above-described steps S107 and S108. Payment processing is performed based on the service information 13. In addition, after the settlement process is performed, the subtraction result of the electronic money is notified to the settlement processing center device (not shown) of the corresponding electronic settlement system at an appropriate timing through the network NW.

  As described above, according to this electronic payment system, when a plurality of payment service information 13 is recorded on the electronic money card 10, the payment processing is performed in accordance with the priority according to the magnitude of the profit given to the user. Since the settlement service information 13 to be implemented is selected, for example, when a campaign is being implemented, the profit given to the user by using this efficiently is large. In addition, the business can expect an increase in the number of users and an increase in the settlement amount as long as a campaign with a large profit given to the users is made.

  In the first embodiment described above, the priority order information 26a set by the priority order setting unit 29 is stored in the main memory 26 of the electronic payment processing apparatus 20. However, the main memory of the electronic payment processing apparatus 20 is not necessarily used. It is not necessary to store the data in the IC memory 11 of the electronic money card 10 through the reader / writer unit 24.

  In the first embodiment described above, the priority order setting unit 29 sets the priority order by replacing the profitability of the business operator with a numerical value, but the present invention is not limited to this. For example, a staff member of a store where the electronic payment processing apparatus 20 is installed may set / change the priority order.

  FIG. 5 illustrates an operation input screen displayed on the output unit (display) 22 when the staff changes the priority. That is, in the priority setting / changing operation, the main control unit 25 displays the current priority in FIG. 5A through the output unit 22 and waits for input of settlement service information for changing the priority. . For example, when changing the priority of the settlement service information of the business operator C in the state of waiting for the input, the number “3” for selecting the settlement service information of the business operator C is input through the input unit 21.

  When “3” is input from the input unit 21, the output unit 22 then waits for priority order input of the selected settlement service information as shown in FIG. For example, when changing the priority of the settlement service information of the business operator C to the highest order in the state of waiting for input, the priority “1” is input through the input unit 21. As a result, as shown in FIG. 5C, the display of the output unit 22 is rearranged and displayed so that the priority of the settlement service information of the operator C is the highest, and the priority is changed again. Wait for input of payment service information. From this state, for example, when the end is instructed through the input unit 21, the priority shown in FIG. 5C is stored in the main memory 26 of the electronic settlement processing apparatus 20 as priority information.

  Note that an expiration date may be set as the priority order to be set / changed in FIG. For example, if a campaign carried out by a business operator is short-term, setting / changing the campaign each time will complicate maintenance work.

  In such a case, for example, the expiration date is set when setting the priority order of the settlement service information, while the priority order setting unit 29 constantly monitors the expiration date and sets the settlement service information whose expiration date has expired. If processing such as returning to the original order or deleting from the priority order information is performed, a situation in which maintenance work becomes complicated can be prevented.

(Embodiment 2)
FIG. 6 shows an electronic settlement system according to the second embodiment of the present invention. The electronic payment system exemplified in the second embodiment exemplifies an electronic payment system in which the electronic money card 40 is applied as a recording medium, as in the first embodiment.

  The electronic money card 40 is a non-contact type IC card including an IC chip, and includes an IC memory 41 (priority storage unit) and an IC control unit 42. The IC memory 41 records payment service information 43 and priority information 44 necessary for executing payment processing. In the second embodiment, the settlement service information 43 is constituted by the business operator identification information and the value, and a plurality of settlement service information 43 with different business operators is recorded in the IC memory 41 of the electronic money card 40 separately. is there. The business operator identification information is used to identify a business operator who operates the electronic settlement system, and is recorded in a plain text state in the shared area 43a of the IC memory 41. The value is an electronic valuable value used as a price when performing the settlement process, and the encryption process that is different for each business operator in the secure memory area 43b of the IC memory 41 that requires individual authentication for each business operator. It is recorded in the state that was given. The priority order information 44 is set in a main control unit (control means) 55 of the electronic payment processing apparatus 50 to be described later, and indicates the priority order of a plurality of settlement service information 43 recorded in the IC memory 41. .

  The IC control unit 42 performs overall control of the electronic money card 40 and includes a memory management unit 45 and a settlement service information selection unit 46. The memory management unit 45 has a main function of managing the settlement service information 43 recorded in the IC memory 41. The payment service information selection unit 46 selects the payment service information 43 based on the priority information 44 stored in the IC memory 41 when a selection request is given from the main control unit 55 of the electronic payment processing apparatus 50 described later. Is.

  On the other hand, an electronic payment processing apparatus 50 that processes the electronic money card 40 includes an input unit 51, an output unit 52, a communication control unit 53, a reader / writer unit 54, and a main control unit 55. The input unit 51 is for inputting various commands and information to the main control unit 55, and is configured by a keyboard, for example. The output unit 52 is for outputting the output information given from the main control unit 55 to the outside, and is constituted by, for example, a display and a printer. The communication control unit 53 controls transmission / reception of information to / from an external device, and is connected to a network such as the Internet (not shown). When the electronic money card 40 is placed in a predetermined access area, the reader / writer unit 54 can read / write information from / to the IC memory 41 of the electronic money card 40 and Information can be transmitted and received. In the second embodiment, a non-contact type reader / writer unit 54 that can read and write information in a non-contact state with respect to the electronic money card 40 is applied. The main control unit 55 performs overall control of the electronic payment processing device 50 according to programs and data recorded in the main memory 56 in advance, and instructions and information given through the input unit 51, the communication control unit 53, and the reader / writer unit 54. It performs processing, and includes a settlement processing unit 57, a profit information collection unit 58, a priority order setting unit 59, and a settlement service information selection inquiry unit 60.

  When the payment service information 43 of the electronic money card 40 is given through the reader / writer unit 54, the payment processing unit 57 can execute the payment process on the condition that the payment service information 43 corresponds. Is. The payment processing performed by the payment processing unit 57 is a subtraction process of the corresponding value based on the carrier identification information included in the payment service information 43 when a payment amount is given, and then the output unit 52 The receipt related to the current payment process is printed out. It is assumed that an authentication key, an encryption key, and a decryption key for each business operator that are necessary when the value recorded in the IC memory 41 is subtracted are prepared in the settlement processing unit 57 in advance. In the second embodiment, it is assumed that the settlement processing unit 57 corresponds to an electronic settlement system operated by a total of five business operators B, C, D, E, and F.

  The profit information collection unit 58 periodically collects profit information from external devices on the network through the communication control unit 53. Profit information is, for example, information such as campaigns announced via a server device (not shown) installed on the network by a business operator of the electronic payment system. Intended for profits.

  The priority order setting unit 59 sets priorities in the settlement service information 43 based on the profit information collected by the profit information collection unit 58 or profit information acquired from other routes. The priority set by the priority setting unit 59 is stored as priority information 44 in the above-described IC memory 41 of the electronic money card 40 through the reader / writer unit 54 at an appropriate timing, for example, a payment process described later. Become. The priority is a priority when the payment service information 43 to be applied to the payment process is selected, and is determined according to the amount of profit given to the user. Specifically, payment service information 43 corresponding to an electronic payment system operated by a total of three operators A, C, and E is recorded on the electronic money card 40, and the breakdown of profit information is the operator A = Assuming “5% discount on price”, business operator C = “5% reduction of valuation”, business operator E = “granting 1 point”, each priority is set according to the level of profit given to the user. A = “1”, operator C = “2”, and operator E = “3” are set. The point notified by the business operator E as profit information is a score given according to the settlement amount. Prizes and services are granted by businesses to users whose total points have reached a predetermined value.

  When a plurality of settlement service information 43 is given, the settlement service information selection inquiry unit 60 selects the corresponding settlement service information 43 from among the plurality of settlement service information 43, and selects the settlement service information 43. A payment service information selection request is sent together with the information.

  FIG. 7 is a flowchart showing the contents of the electronic payment process performed by the main control unit 55 of the electronic payment processing apparatus 50 and the contents of the electronic payment process performed by the IC control unit 42 of the electronic money card 40. Hereinafter, with reference to FIG. 7, a case will be described in which electronic money payment processing is performed on the price of a product purchased at a store in the electronic payment system according to the second embodiment.

  In this electronic payment system, as shown in FIG. 7A, a staff member of a store that sells a product inputs the settlement amount of the purchased product through the input unit 51, and this is given to the main control unit 55 (step S201). : YES), the main controller 55 causes the reader / writer unit 54 to be in a reading standby state of the electronic money card 40 (steps S202 and S203). During this time, if cancellation is instructed through the input unit 51 (step S203: YES), the current process is terminated without performing the process described later.

  On the other hand, when the electronic money card 40 is placed in the access area of the reader / writer unit 54 in the reading standby state and confirmed by a card sense response from the IC control unit 42 (step S202: YES), the main control unit 55 A command for reading the settlement service information 43 is sent to the electronic money card 40 through the reader / writer unit 54, and then a response standby state from the electronic money card 40 is entered (step S204).

  When a read command is given from the main control unit 55 of the electronic payment processing apparatus 50, in the electronic money card 40, the IC control unit 42 is recorded in the shared area 43a of the IC memory 41 as shown in FIG. Processing for identifying the business operator of the settlement service information 43 from the business operator identification information and responding to the main control unit 55 is performed (step S301).

  As shown in (a) of FIG. 7, when information specifying the payment service information 43 is returned from the electronic money card 40, the main control unit 55 of the electronic payment processing apparatus 50 causes the payment service information selection inquiry unit 60. From among the payment service information 43 included in the response from the electronic money card 40, the one corresponding to the payment processing unit 57 is selected (step S205), and then a payment service information selection request is sent to the electronic money card 40. (Step S206).

  In the electronic money card 40 that has received the payment service information selection request, as shown in FIG. 7B, it is determined whether or not a plurality of payment service information 43 is included in the payment service information selection request (step S302). ), When the payment service information 43 is 2 or more (step S302: YES), the priority order information 44 stored in the IC memory 41 is read through the payment service information selection unit 46 (step S303). Further, the payment service information 43 positioned at the top is selected according to the priority information 44 (step S304), and then the selection result is returned to the electronic payment processing apparatus 50 as a selection response (step S305).

  In the case of the second embodiment described above, payment service information 43 corresponding to an electronic payment system operated by a total of three operators A, C, and E is recorded on the electronic money card 40 owned by the user. Since the payment processing unit 57 of the electronic payment processing apparatus 50 is compatible with an electronic payment system operated by a total of five business operators B, C, D, E, and F, it is sent to the electronic money card 40. The payment service information selection request includes the two payment service information 43 of the businesses B and E. Thereafter, the payment service information selection unit 46 of the electronic money card 40 selects the payment service information 43 of the operator C positioned at the top of the priority order information 44, and the selection result is returned to the electronic payment processing apparatus 50. It will be.

  In the electronic payment processing apparatus 50 that has received the selection response of the payment service information 43, as shown in FIG. 7A, the payment processing is performed through the payment processing unit 57 based on the payment service information 43 of the business operator C. (Step S207). By carrying out this payment process, the value of the payment service information 43 of the business operator C recorded in the electronic money card 40 is subtracted (step S306 in FIG. 7B), and received from the printer of the electronic payment processing apparatus 50. Will be printed out. As described above, it is preferable that the latest priority order information 44 set by the priority order setting unit 59 is stored in the IC memory 41 of the electronic money card 40 while the settlement process is being performed.

  Here, the above-described electronic payment system implemented using the electronic money card 40 has notified profit information having the largest profit given to the user among the payment service information 43 recorded in the electronic money card 40. It is operated by the operator. Therefore, even if the payment amount is the same, the benefit given to the user is maximized compared to the case where an electronic payment system operated by another operator is selected, and the satisfaction level of using the electronic payment system is significantly increased. It will be. In addition, since profit information such as campaigns that are profitable for the user is collected periodically by the profit information collection unit 58 of the electronic payment processing apparatus 50, the user himself / herself recognizes it by conducting a survey beforehand. There is no need to use the electronic money card 40, and profits can be surely enjoyed. As a result, the number of users of the electronic payment system can be greatly increased, and a large increase in the payment amount can be expected.

  In FIG. 7B, when there is only one payment service information 43 included in the payment service information selection request (step S302: NO), the above-described step S303 is not performed. The only recorded payment service information 43 is selected in S304, and the selection result is returned to the electronic payment processing apparatus 50. Further, after the settlement processing is performed, the result of subtraction of electronic money is notified to the settlement processing center device (not shown) of the corresponding electronic settlement system at an appropriate timing through the network as in the first embodiment. It is the same.

  As described above, according to this electronic payment system, when a plurality of payment service information 43 is recorded on the electronic money card 40, the payment processing is performed in accordance with the priority according to the magnitude of the profit given to the user. Since the settlement service information 43 to be implemented is selected, for example, when a campaign is being implemented, the profit given to the user by using this efficiently is great. In addition, the business can expect an increase in the number of users and an increase in the settlement amount as long as a campaign with a large profit given to the users is made.

  In the second embodiment described above, the priority order information 44 set by the priority order setting unit 59 is stored in the IC memory 41 of the electronic money card 40. However, it is not always necessary to store it in the IC memory 41. The data may be stored in the main memory 56 of the electronic payment processing apparatus 50.

(Embodiment 3)
FIG. 8 shows an electronic settlement system according to Embodiment 3 of the present invention. As in the first embodiment, the electronic payment system illustrated in the third embodiment exemplifies an electronic payment system in which an electronic money card 70 is applied as a recording medium.

  The electronic money card 70 is a non-contact type IC card including an IC chip, and includes an IC memory 71 and an IC control unit 72. The IC memory 71 records payment service information 73 necessary for executing payment processing. In the third embodiment, the settlement service information 73 is constituted by the business operator identification information and the value, and a plurality of settlement service information 73 with different business operators is recorded in the IC memory 71 of the electronic money card 70 separately. is there. The business operator identification information is used to identify a business operator who operates the electronic settlement system, and is recorded in a plain text state in the shared area 73a of the IC memory 71. The value is an electronic value that is used as a price when performing a settlement process, and an encryption process that is different for each company in the secure memory area 73b of the IC memory 71 that requires individual authentication for each company. It is recorded in the state that was given. The IC control unit 72 has a main function of managing the settlement service information 73 recorded in the IC memory 71.

  On the other hand, an electronic payment processing apparatus 80 for processing the electronic money card 70 includes an input unit 81, a display unit 82, a printing unit 83, a communication control unit 84, a reader / writer unit 85, and a main control unit (control means) 86. I have. The input unit 81 is for inputting various commands and information to the main control unit 86, and the display unit 82 is for displaying display information given from the main control unit 86 to the outside. . In the third embodiment, in particular, the input unit 81 and the display unit 82 are configured by a touch panel display. The printing unit 83 prints out the print information given from the main control unit 86 as a receipt. The communication control unit 84 controls transmission / reception of information to / from an external device, and is connected to a network such as the Internet. When the electronic money card 70 is placed in a predetermined access area, the reader / writer unit 85 can read / write information from / to the IC memory 71 of the electronic money card 70 and the IC control unit 72. Information can be transmitted and received. In the third embodiment, a non-contact type reader / writer unit 85 capable of reading and writing information in a non-contact state with respect to the electronic money card 70 is applied. The main control unit 86 performs electronic settlement processing in accordance with programs and data recorded in the main memory (priority storage unit) 87 in advance, and instructions and information given through the input unit 81, the communication control unit 84, and the reader / writer unit 85. It performs overall processing of the device 80, and includes a settlement processing unit 88, a profit information collection unit 89, a priority order setting unit 90, a settlement service information presentation unit 91, and a settlement service information setting unit 92.

  When the payment service information 73 of the electronic money card 70 is given through the reader / writer unit 85, the payment processing unit 88 can execute the payment process on the condition that the payment service information 73 corresponds. Is. The payment processing performed by the payment processing unit 88 is a subtraction process of the corresponding value based on the business operator identification information included in the payment service information 73 when a payment amount is given, and then the printing unit 83. The receipt related to the current payment process is printed out. It is assumed that an authentication key, an encryption key, and a decryption key for each business operator that are necessary when performing the subtraction process on the value recorded in the IC memory 71 are prepared in the settlement processing unit 88 in advance. Further, in the third embodiment, it is assumed that the settlement processing unit 88 corresponds to an electronic settlement system operated by a total of five business operators A, B, C, D, and E.

  The profit information collecting unit 89 periodically collects profit information from an external device on the network through the communication control unit 84. Profit information is, for example, information such as campaigns announced via a server device (not shown) installed on the network by a business operator of the electronic payment system. Intended for profits.

  The priority setting unit 90 sets a priority in the settlement service information 73 based on the profit information collected by the profit information collection unit 89 or profit information obtained from another route, and stores the priority in the main memory 87. This is stored as 87a. The priority is a priority in the case of selecting the payment service information 73 to be applied to the payment process, and is determined according to the amount of profit given to the user. Specifically, the breakdown of profit information is business operator A = “double point grant”, business operator B = “5% discount on price”, business operator C = “5% reduction of value”, business operator D = “ If “None” and business operator E = “point triple grant”, the priority setting unit 90 sets the priority order as business operator B> business operator C> business operator E> business operator A> business operator D. It is stored in the main memory 87 as rank information 87a. The points notified by the business operators A and E as profit information are the points given according to the settlement amount. Prizes and services are granted by businesses to users whose total points have reached a predetermined value.

  When a plurality of payment service information 73 is given, the payment service information presentation unit 91 reads the priority information 87a stored in the main memory 87, and displays it on the display unit 82 in the order according to the priority information 87a. A screen for selecting the settlement service information 73 is displayed. Specifically, the selection screen for the settlement service information 73 is displayed on the display unit 82 in such a manner that the higher priority order is on the upper side.

  When the payment service information 73 is selected through the selection screen displayed on the display unit 82, the payment service information setting unit 92 sets the payment service information 73 as the payment service information 73 for executing the payment process.

  FIG. 9 is a flowchart showing the contents of the electronic payment process performed by the main control unit 86 of the electronic payment processing apparatus 80 described above. Hereinafter, with reference to FIG. 9, a case will be described in which electronic money settlement processing is performed on the price of a product purchased at a store in the electronic settlement system according to the third embodiment.

  In this electronic payment system, a staff member of a store that sells a product inputs the payment amount of the purchased product through the input unit 81, and when this is given to the main control unit 86 (step S401: YES), the main control unit 86 reads the reader / writer. The unit 85 enters a standby state for reading the electronic money card 70 (steps S402 and S403). During this time, if cancellation is instructed through the input unit 81 (step S403: YES), the current process is terminated without performing the process described later.

  On the other hand, when the electronic money card 70 is placed in the access area of the reader / writer unit 85 in the reading standby state and this is confirmed by a card sense response from the IC control unit 72 (step S402: YES), the main control unit 86 A command for reading the settlement service information 73 is sent to the electronic money card 70 through the reader / writer unit 85, and then a response standby state from the electronic money card 70 is entered (steps S404 and S405).

  When a read command is given from the main control unit 86 of the electronic payment processing apparatus 80, in the electronic money card 70, the IC control unit 72 reads the payment service information 73 from the business operator identification information recorded in the shared area 73 a of the IC memory 71. A process of identifying the operator and responding to the main control unit 86 is performed.

  When information specifying the settlement service information 73 is returned from the electronic money card 70 in step S405 (step S405: YES), the main control unit 86 determines whether or not a plurality of settlement service information 73 is recorded on the electronic money card 70. Is determined (step S406).

  When the payment service information 73 recorded in the electronic money card 70 is 2 or more (step S406: YES), the main control unit 86 uses the priority order stored in the main memory 87 through the payment service information presentation unit 91. The information 87a is read (step S407), and the selection screen for the payment service information 73 is displayed on the display unit 82 in the order according to the priority information 87a (step S408). (Step S409, Step S410). During this time, if cancellation is instructed through the input unit 81 (step S410: YES), the current process is terminated without performing the process described later.

  On the other hand, when the user selects the settlement service information 73 through the input unit 81 (step S409: YES), the main control unit 86 is selected as the settlement service information 73 for performing the settlement process through the settlement service information setting unit 92. Are set (step S411), and based on the payment service information 73, payment processing is performed through the payment processing unit 88 (step S412). By executing the payment process, the value of the payment service information 73 recorded on the electronic money card 70 is subtracted and a receipt is printed out from the printer of the electronic payment processing apparatus 80.

  Here, the above-described electronic payment system implemented using the electronic money card 70 displays the payment service information 73 recorded on the electronic money card 70 in descending order of profits to be given to the user. It is a selection. Therefore, if the user selects the payment service information 73 according to the priority order, even if the payment amount is the same, the benefit given to the user is higher than when the electronic payment system operated by another business operator is selected. At the same time, the level of satisfaction with using the electronic payment system will increase significantly. In addition, since profit information such as campaigns that are profitable for the user is collected regularly by the profit information collection unit 89 of the electronic payment processing apparatus 80, the user himself / herself recognizes it by conducting a survey beforehand. There is no need to use the electronic money card 70, and profits can be surely enjoyed. As a result, the number of users of the electronic payment system can be greatly increased, and a large increase in the payment amount can be expected.

  If there is only one settlement service information 73 recorded on the electronic money card 70 (step S406: NO), the only settlement transaction recorded without performing the above-described steps S407 to S411. Payment processing is performed based on the service information 73. In addition, after the settlement process is performed, the electronic money subtraction result is notified to the settlement processing center device (not shown) of the corresponding electronic settlement system at an appropriate timing through the network.

  As described above, according to this electronic payment system, when a plurality of payment service information 73 is recorded on the electronic money card 70, the selection screen is displayed in accordance with the priority order according to the amount of profit given to the user. Displayed and the user can select the payment service information 73 for executing the payment process through this selection screen. For example, when a campaign is being executed, the profit given to the user by using the campaign efficiently Will be big. In addition, the business can expect an increase in the number of users and an increase in the settlement amount as long as a campaign with a large profit given to the users is made.

  In the third embodiment described above, since the selection screen is displayed on the display unit 82 in accordance with the priority information 87a set by the priority setting unit 90, the profit given to the user is surely increased. However, the payment service information 73 recorded in the electronic money card 70 may be simply displayed regardless of the priority order.

  Further, in the first embodiment, the second embodiment, and the third embodiment described above, the electronic money settlement using the electronic money card is exemplified, but the present invention is not necessarily limited to this, and the debit settlement is performed. It is also possible to apply other electronic payments such as those according to credit card payments. In debit payment and credit payment, it is not necessary to record the valuable value directly on the recording medium. Therefore, it is sufficient for the payment service information to include identification information that can identify the financial institution or credit payment operator. In addition, it is only necessary to ask the user to enter a password or password each time authentication is performed.

  Furthermore, in the first embodiment, the second embodiment, and the third embodiment described above, the IC card is exemplified as the recording medium. However, the card type is not necessarily used as long as the payment service information can be recorded. For example, a mobile phone can be used.

  Furthermore, in the first embodiment, the second embodiment, and the third embodiment described above, the electronic payment processing apparatus is exemplified by a terminal type used in a store. It is also possible to apply as a processing device.

It is a conceptual diagram which shows the electronic payment system which is Embodiment 1 of this invention. It is a block diagram which shows the principal part structure of the electronic payment system shown in FIG. It is a chart which illustrates the content of the priority information set by the priority setting part shown in FIG. It is a flowchart which shows the content of the payment process which the main control part of the electronic payment processing apparatus shown in FIG. 2 implements. It is a conceptual diagram which illustrates the operation input screen displayed on the output part of the electronic payment processing apparatus shown in FIG. It is a block diagram which shows the principal part structure of the electronic payment system which is Embodiment 2 of this invention. It is a flowchart which shows the content of the electronic payment process which the main control part of the electronic payment processing apparatus shown in FIG. 6 implements, and the content of the electronic payment process which the IC control part of an electronic money card implements. It is a block diagram which shows the principal part structure of the electronic payment system which is Embodiment 3 of this invention. It is a flowchart which shows the content of the payment process which the main control part of the electronic payment processing apparatus shown in FIG. 8 implements.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Electronic money card 11 IC memory 12 IC control part 13 Payment service information 20 Electronic payment processing apparatus 25 Main control part 26 Main memory 26a Priority order information 27 Payment processing part 28 Profit information collection part 29 Priority order setting part 30 Payment service information selection Unit 40 electronic money card 41 IC memory 42 IC control unit 43 settlement service information 44 priority information 45 memory management unit 46 settlement service information selection unit 50 electronic settlement processing unit 55 main control unit 56 main memory 57 settlement processing unit 58 profit information collection Unit 59 Priority Order Setting Unit 60 Payment Service Information Selection Query Unit 70 Electronic Money Card 71 IC Memory 72 IC Control Unit 73 Payment Service Information 80 Electronic Payment Processing Device 86 Main Control Unit 87 Main Memory 87a Priority Order Information 88 Payment Processing Unit 89 Profit information collection department 0 priority setting section 91 settlement service information presentation section 92 settlement service information setting unit

Claims (11)

In an electronic payment system comprising a recording medium on which payment service information is recorded, and an electronic payment processing device capable of executing payment processing based on the payment service information when the corresponding payment service information is read from the recording medium,
The electronic payment processing apparatus includes:
Priority setting means for setting a priority in advance for a plurality of payment service information according to the amount of profit given to the user;
An electronic payment system comprising: control means for selecting payment service information for performing payment processing according to the priority set by the priority setting means when a plurality of payment service information is recorded on a recording medium.   The electronic payment processing apparatus includes a priority storage unit that stores information indicating the priority set by the priority setting unit, and the control unit performs a payment process according to the priority information stored in the priority storage unit. 2. The electronic payment system according to claim 1, wherein payment service information to be executed is selected.   The recording medium includes a priority storage unit that stores information indicating the priority set by the priority setting unit, and the control unit performs a settlement process according to the priority information stored in the priority storage unit. 2. The electronic payment system according to claim 1, wherein payment service information is selected. In an electronic payment processing apparatus capable of executing a payment process based on the payment service information when the corresponding payment service information is read from a recording medium,
Priority setting means for setting a priority in advance for a plurality of payment service information according to the amount of profit given to the user;
An electronic payment processing apparatus comprising: control means for selecting payment service information for performing payment processing according to the priority set by the priority setting means when a plurality of payment service information is recorded on the recording medium .   A priority storage unit for storing information indicating the priority set by the priority setting unit; and the control unit selects payment service information for performing payment processing according to the priority information stored in the priority storage unit The electronic payment processing apparatus according to claim 4, wherein: In an electronic payment system comprising a recording medium on which payment service information is recorded, and an electronic payment processing apparatus capable of executing payment processing based on the payment service information when the corresponding payment service information is read from the recording medium,
The electronic payment processing apparatus includes a priority setting unit that sets a priority in advance for a plurality of payment service information according to the amount of profit given to a user.
The recording medium includes a plurality of payment service information recorded, and includes control means for selecting payment service information for performing payment processing according to the priority set by the priority setting means from the payment service information. An electronic payment system characterized by this.   The recording medium includes a priority storage unit that stores information indicating the priority set by the priority setting unit, and the control unit performs a settlement process according to the priority information stored in the priority storage unit. 7. The electronic payment system according to claim 6, wherein payment service information is selected. In an electronic payment system comprising a recording medium on which payment service information is recorded, and an electronic payment processing device capable of executing payment processing based on the payment service information when the corresponding payment service information is read from the recording medium,
The electronic payment processing apparatus includes:
Display means for displaying a selection screen for the payment service information when a plurality of payment service information is recorded on the recording medium;
An electronic payment system comprising: selection means for selecting payment service information for executing payment processing from a selection means selection screen.   The electronic payment processing apparatus further includes priority order setting means for setting priorities for a plurality of payment service information in advance according to the amount of profit given to a user, and the display means includes priority order setting means 9. The electronic payment system according to claim 8, wherein a selection screen for payment service information is displayed in accordance with the set priority order. In an electronic payment processing apparatus capable of executing a payment process based on the payment service information when the corresponding payment service information is read from a recording medium,
Display means for displaying a selection screen for the payment service information when a plurality of payment service information is recorded on the recording medium;
An electronic payment processing apparatus comprising: selection means for selecting payment service information for performing payment processing from a selection screen of a display means.   The apparatus further comprises priority setting means for setting priorities for a plurality of payment service information in accordance with the amount of profit given to the user, and the display means is a payment service according to the priority set by the priority setting means. The electronic payment processing apparatus according to claim 10, wherein an information selection screen is displayed.

Images