JP2001319168A - Transmission device and reception device of demand content, portable terminal, electronic settlement system, electronic settlement method, demand content reader and demand content reading method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic settlement system where a person who does not have a card such as credit card or a debit card can settle selling/buying costs. SOLUTION: When a sales contract is concluded between a seller 300 and a buyer 200, the seller 300 requests the issuing of an invoice from a center 100. The center 100 receives the request and transmits an electronic invoice (it includes invoice ID and a demand amount) to the portable terminal 250 of the buyer 200. The buyer 200 confirms the demand content displayed on the display of the portable terminal 250 and pays cost in a convenience store 400 or the like. The convenience store, a financial institution of and a money collection device 400 issue a receipt to the buyer 200 and transmits the ID of the electronic invoice and information on a receipt content to the center 100.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a bill transmitting device, a bill receiving device, a portable terminal, an electronic settlement system,
TECHNICAL FIELD The present invention relates to an electronic settlement method, a bill content reading device, and a bill content reading method, and in particular, a bill content transmitting device, a bill content receiving device, a mobile terminal, an electronic payment system, an electronic payment method, and a bill content capable of exchanging billing information. The present invention relates to a reading device and a method for reading billing contents.

[0002]

2. Description of the Related Art Heretofore, there have been known settlement methods of paying cash after receiving an invoice and receiving a receipt, and settlement methods of paying with a credit card or a debit card in exchange for the provision of goods and services. Have been.

[0003]

However, the former settlement method has a problem in that the settlement takes time and labor. In addition, the latter payment method has a problem in that a person who does not have a card or a person who cannot have a card cannot perform payment. Further, performing settlement by card may cause a problem in security.

[0004] The present invention has been made to solve the above-mentioned problems, and a novel billing content transmitting device, billing content receiving device, portable terminal, electronic payment system, electronic payment method, billing content reading device, and billing device It is intended to provide a content reading method.

[0005]

According to one aspect of the present invention, in order to achieve the above object, a billing content transmitting device transmits billing information to a buyer's portable terminal in response to a billing content issuance request from a seller. A billing content transmitting device comprising a transmitting means for transmitting, wherein the billing information is presented by a buyer to a seller, a seller's collection agent, a financial institution, a post office, a collecting device, and the like, thereby paying a fee. Information for the purpose.

According to another aspect of the present invention, a billing content receiving apparatus is a billing content receiving apparatus for receiving billing information from a center, wherein the billing information is transmitted to a seller or a seller. The information is presented to a collection agent, a financial institution, a post office, a collection device, or the like, and is used to pay a fee.

[0007] Preferably, the bill receiving device further includes a display for displaying billing information.

[0008] Preferably, the display of the bill receiving device displays a bar code or other coded information.

According to still another aspect of the present invention, a portable terminal includes any one of the above-described billing content receiving devices.

[0010] According to still another aspect of the present invention, the electronic settlement system includes a first transmission unit for transmitting billing information to the buyer in response to the seller's request, and a buyer terminal receiving the billing information. And a second transmitting means for issuing a receipt or transmitting receipt information when payment is made by presentation of the terminal device.

According to still another aspect of the present invention, an electronic settlement method includes a first transmitting step of transmitting billing information to a buyer in response to a seller's request, and a terminal device on the buyer side for transmitting the billing information. And a second transmitting step of issuing a receipt or transmitting receipt information when payment is made by presentation of the terminal device.

According to another aspect of the present invention, a bill reading device reads a bill by reading a bar code or other coded information displayed on the bill receiving device.

[0013]

FIG. 1 shows a first embodiment of the present invention.
FIG. 1 is a diagram showing a configuration of an electronic payment system in one embodiment.

Referring to FIG. 1, the electronic settlement system includes an electronic settlement center (hereinafter simply referred to as “center”) 100.
, A buyer (customer) 200, a seller 300, and a store such as a convenience store (family restaurant, fast food store) (this is a seller, a seller's collection agent, a collection agent, a financial institution, a post office, a collection device ( Vending machine, etc.) and other devices 400).
The center 100, the seller 300, the convenience store 400, and the like are provided with a computer device such as a personal computer, a communication device that performs communication using the computer device, a printer, and the like.

Further, the buyer 200 has a portable terminal 250 such as a PHS, a portable telephone, or a PDA (Personal Digital Assistant).

In this system, when a transaction is made, the payment amount and the bill ID are transmitted and displayed on the display of the portable terminal 250 of the buyer 200. Buyer 20
0 goes to a convenience store 400 or the like, and presents the contents of the display of the portable terminal 250 to the clerk. When the buyer 200 pays the amount displayed on the display to the convenience store 400 or the like, a receipt is issued from the convenience store 400 to the buyer 200.
At the same time, the receipt contents including the receipt ID and the like are transmitted from the convenience store 400 or the like to the center 100.

Referring to FIG. 1, the method of using the present system will be described in more detail. When a sales contract is concluded between the buyer 200 and the seller 300, the seller 300
A request for issuing a bill is output for 0 (). This request may be made using a telecommunication line such as the Internet, or a billing request may be issued using a conventional communication method such as telephone or facsimile.

Center 100 receiving the billing request
, An electronic bill is issued based on the request, and transmitted to the portable terminal 250 of the buyer 200 (). In the electronic bill, the bill ID, the billed amount, and the telephone number of the portable terminal 250 of the buyer 200 are written.

When the buyer 200 receives the electronic bill at the portable terminal 250 and confirms that the electronic bill has been displayed on the display, the buyer 200 confirms that the electronic bill has been displayed.
And presents the portable terminal 250 with the bill ID and the bill amount described on the display to the clerk. Then, the billing amount is paid to the convenience store 400 or the like ().
The convenience store 400 issues a receipt according to the payment ().

Upon receipt of the fee, the convenience store 400 or the like transmits the same ID as the bill ID and its contents to the center 100 as receipt information ('). In response, the center 100 establishes the mobile terminal 250 of the buyer 200.
Then, a signal for deleting the transmitted electronic bill is transmitted, and a received message (for example, a message such as “Thank you for your payment”) is transmitted to the portable terminal 250.

Convenience store 400 is buyer 2
The amount paid by 00 is sent to the center 100 (). Thereafter, the center 100 pays the purchase price to the seller 300 ().

The cost required for such settlement may be periodically paid from the seller 300 to the center 100 or a convenience store 400, or a part of the purchase price may be paid to the convenience store 400 or the center 100. May be collected as a commission.

After confirming that the purchase price has been paid, the seller 300 provides goods and services to the buyer 200 (). The provision of the product or service may be performed before the billing request (), or the provision of the product or service and the billing request may be performed simultaneously.

FIG. 2 is a first diagram showing a specific example of an electronic bill displayed on portable terminal 250 of buyer 200.

In the specific example of FIG. 2, a bill ID and a bill amount are displayed on a display.

FIG. 3 is a diagram showing a second specific example of the electronic bill displayed on the display of the portable terminal 250.

In FIG. 3, the bill I is displayed on the display.
D and a telephone number are displayed. This telephone number may be a telephone number for making an inquiry about a bill or a telephone number of the buyer 200. As described above, if the billing amount is not displayed on the display, the privacy of the buyer 200 can be protected.

FIG. 4 is a view showing a third specific example of the electronic bill displayed on the portable terminal 250. As shown in FIG.

In FIG. 4, a bar code is displayed in addition to the billing amount from seller 300.

In a convenience store 400 or the like, by reading the bar code displayed on this display by means of a bar code reader or the like, it is possible to receive the trading value accurately and to issue a receipt. it can.

The display can display coded data similar to a bar code in addition to the bar code.

If the center 100, the seller 300, and the convenience store 400 are connected by a network such as the Internet, and all of the billing request, receipt ID transmission, and the like are exchanged by electronic data, a more efficient electronic settlement system is provided. can do.

Further, if the seller 300 has the function of the center 100 on its own, it is more efficient.

The embodiments disclosed this time are to be considered in all respects as illustrative and not restrictive. The scope of the present invention is defined by the terms of the claims, rather than the description above, and is intended to include any modifications within the scope and meaning equivalent to the terms of the claims.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an electronic payment system according to one of the embodiments of the present invention.

FIG. 2 is a first diagram showing bill information displayed on a portable terminal 250 of a buyer 200;

FIG. 3 is a second diagram showing information on a bill.

FIG. 4 is a third diagram showing information on a bill.

[Explanation of symbols]

100 centers, 200 buyers, 250 mobile terminals,
300 sellers, 400 convenience stores, financial institutions such as banks, post offices, collection devices, etc.

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Claims (13)

[Claims] [Claim 1] In response to a request for issuance of billing content from a seller,
Claims transmitting apparatus comprising a transmitting means for transmitting billing information to a buyer's portable terminal, wherein the billing information is a seller, a seller's collection agent, a financial institution, a post office, a collecting apparatus. A billing content transmitting device, characterized in that it is information for presenting it to others and paying a fee therefor. 2. A billing content receiving apparatus for receiving billing information from a center, wherein the billing information is transmitted to a seller, a collecting agent of the seller, a financial institution, a post office, a collecting apparatus. Claims information receiving device, characterized in that it is information for presenting it to another person and paying a fee accordingly. 3. The claim content receiving device according to claim 2, further comprising a display for displaying the information on the claim content. 4. The claim content receiving device according to claim 3, wherein the display displays a barcode or other coded information. 5. A portable terminal comprising the claim content receiving device according to claim 2. 6. A first transmitting unit for transmitting billing information to a buyer in response to a seller's request, a buyer's terminal device for receiving the billing information, and payment is made by presentation of the terminal device. And a second transmission unit for issuing a receipt or transmitting receipt information when the receipt is received. 7. A first transmitting step of transmitting billing information to a buyer in response to a seller's request, a receiving step of receiving the billing information at a buyer's terminal device, and a presentation of the terminal device. A second transmitting step of issuing a receipt or transmitting receipt information when the payment is made according to the following. 8. In response to a request for issuance of billing content from a seller,
A method of transmitting billing information to a buyer's mobile terminal, wherein the billing information is transmitted to a seller, a seller's collection agent, a financial institution, a post office, a collection device, and the like by the buyer. Claims transmission method, characterized in that it is information for presenting and paying a fee. 9. A billing content receiving method for receiving billing information from a center, wherein the billing information is transmitted to a seller, a seller's collection agent, a financial institution, a post office, a collection device. A method for receiving a claim, characterized in that the information is information to be presented to another person and to pay a fee accordingly. 10. The method according to claim 9, further comprising the step of displaying the information of the billing content. 11. The method according to claim 10, wherein the displaying step displays a bar code or other coded information. 12. A claim content reading device for reading a claim content by reading a bar code or other coded information displayed on the claim content receiving device according to claim 4. 13. A billing content reading method for reading billing content by reading a barcode or other coded information displayed on the billing content receiving device according to claim 4.