JP2002298023A - Settlement method, information processing system for settlement, mobile information terminal, and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make a check and a payment of the price of goods in Japanese yen at a store which uses U.S. dollar, with exchange risk avoided and allow the store to collect the money in U.S. dollar more speedy than receiving payment. SOLUTION: This settlement method comprises a step to transmit the price information on goods to the portable telephone 60 of a user 10 from the POS terminal 21 of the store 20, a step to calculate the price data in Japanese yen, a step of outputting prices to the portable telephone in Japanese yen, a step transmit settlement demanding information and price information to the settlement support system 51 of a communication undertaker from the portable telephone, a step to settle account in U.S. dollar with the payment to the store from the communication undertaker in the settlement support system, a step to transmit settlement notice information to the portable telephone from the settlement support system, and a step to settle account in Japanese yen with payment from a user to the communication undertaker after completing the settlement between the store and the communication undertaker.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to use in a store that sells goods or provides services in a second currency unit different from the first currency unit used by a user in ordinary life. When a user purchases a product or receives a service, the user pays for the purchased product or the service received by the user using the mobile information terminal owned by the user. The present invention relates to a payment method for performing payment via a support organization, a payment information processing method, a payment information processing system, a mobile information terminal, and a program.

[0002]

2. Description of the Related Art Conventionally, when a user purchases a product at a store such as a retail store or a department store or receives a service such as provision of food and drink at a store such as a restaurant, a user pays a fee for the product or service. Was paid by cash or by credit card. Particularly in recent years, payment by credit card has been increasing because it is not necessary to carry cash.

[0003] Further, in particular, the above-mentioned store uses a second currency unit (for example, "US dollar" in the United States) different from the first currency unit (for example, "yen" in Japan) used in the normal life of the user. In some cases, when paying the fee by the cash, credit card, or the like, the payment is usually made in the second currency unit used by the store.

[0004]

However, in order to become a member of the credit card, it is necessary to pay a high commission of 5-10% to the credit card company. Since the period until the payment is made to the store is as long as about three months, the cash flow until the payment may be burdensome depending on the store. For these reasons, there are stores that do not become member stores of the above-mentioned credit card, and it is inconvenient for users who want to pay by credit card, for example, they can not use a credit card and only pay in cash and give up purchasing the product. Met.

[0005] Further, when a user pays a fee using the above-mentioned cash or credit card at a store using a second currency unit different from the first currency unit usually used, the fee will be reduced to the first currency unit. It is inconvenient for the user because it is not immediately known how much the unit will cost.
Further, when paying a fee using cash or a credit card at a store using the second currency unit, there is a risk that the user may be exposed to exchange risk depending on the exchange rate at the time of product purchase and at the time of settlement. In addition, the problem that it is difficult to confirm the price of the product in the first currency unit that the user normally uses and the problem that the user may be exposed to the exchange risk may be caused by the product or the second currency unit. The same problem arises when a user who uses the first currency unit in a normal life uses an Internet store on which the service fee is set.

[0006] The present invention has been made in view of the above problems, and has as its object to provide a store in which a user uses a second currency unit different from the first currency unit used in ordinary life. , You can pay for goods and services in the first currency unit that you are used to in your normal life and pay while avoiding foreign exchange risks. Payment method, payment information processing method, payment information processing system, mobile information terminal, mobile information terminal, and the payment information processing system that enable the collected fee to be collected more quickly and in the second currency unit used by the store. Another object of the present invention is to provide a program used in the mobile information terminal.

[0007]

In order to achieve the above-mentioned object, the invention according to claim 1 provides a product in a second currency unit different from the first currency unit used by a user in normal life. When a user purchases a product or receives a service at a store that sells or provides services, the payment for the product purchased by the user or the service received by the user is A payment method for performing payment via a payment support institution using a mobile information terminal owned by a user, wherein the payment support institution manages and operates communication by the mobile information terminal owned by the user, An institution having transaction contract information previously exchanged between the user and the store, and from the fee payment receiving device of the store to the user's mobile information terminal, the charge information on the charge of the product or the service. Send In the mobile information terminal, based on the fee information received from the fee payment receiving device and information on a current exchange rate between the first currency unit and the second currency unit. , The first
Calculating the charge data in the unit of currency, outputting the charge in the mobile information terminal in the first currency unit, and transmitting the charge information in the first currency unit from the mobile information terminal to the settlement support institution via a communication line. Transmitting the charge information together with the settlement request information; and at the settlement support institution, based on the transaction contract information previously exchanged with the store and the charge information received from the mobile information terminal, Processing the payment in the second currency unit for the payment of the fee for the goods or the service from the payment support institution to the store; and from the payment support institution to the mobile information terminal via a communication line, Transmitting settlement notification information for notifying that the settlement between the store and the settlement support institution is completed; and, after completing the settlement between the store and the settlement support institution, communicating with the user. while A first currency unit for payment of a fee for the product or the service from the user to the settlement support institution based on the transaction contract information previously exchanged and the fee information received from the mobile information terminal; And a step of processing the settlement in.

[0008] The invention according to claim 2 is that the store is used for selling goods or providing services in a second currency unit different from the first currency unit used by the user in normal life. When a user purchases a product or receives a service, the user pays for the purchased product or the service received by the user using the mobile information terminal owned by the user. A payment method for performing payment via a support institution, wherein the payment support institution manages and operates communication by a mobile information terminal owned by the user, and is previously exchanged between the user and the store. An institution having transaction contract information, wherein the charge information receiving device of the store transmits to the mobile information terminal of the user fee information relating to the price of the product or the service; and To the payment support organizations through, and sending 該料 gold information in the payment support organizations, and 該料 gold information received from the mobile information terminal, the first
Calculating the data of the fee in the first currency unit based on information on the current exchange rate between the currency unit of the second currency unit and the second currency unit; To the mobile information terminal via the first
Transmitting the fee data in the unit of currency, outputting the fee in the first currency unit from the mobile information terminal, and transmitting the fee from the mobile information terminal to the settlement support institution via a communication line. Transmitting the settlement request information, and at the settlement support organization, based on the transaction contract information previously exchanged with the store and the fee information received from the mobile information terminal, the settlement support organization. Payment of the price of the goods or the service to the store from the second
Processing the settlement in units of currency, and settlement notification information for notifying the mobile information terminal from the settlement support organization via the communication line that the settlement between the store and the settlement support organization has been completed. And after the settlement between the store and the settlement support institution is completed, the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal. Processing the payment in the first currency unit for the payment of the fee for the goods or the service from the user to the payment support institution based on the above.

[0009] The invention of claim 3 is directed to a store which sells goods or provides services in a second currency unit different from the first currency unit used by the user in ordinary life. When the user purchases a product or receives a service, he or she uses the mobile information terminal owned by the user to pay for the product purchased by the user or the service received by the user. A payment information processing system used when performing payment via a payment support institution, comprising: information storage means for storing transaction contract information previously exchanged between the user and the store; Information receiving means for receiving, via a communication line from a mobile information terminal, fee information relating to the price of the product or the service, together with settlement request information, and the transaction contract information previously exchanged with the store. Store settlement processing means for processing settlement in the second currency unit for payment of the charge of the goods or the service to the store based on the charge information received from the mobile information terminal; Via a communication line, an information transmitting means for transmitting payment notification information for notifying that the payment for the store has been completed, and the information exchanged in advance with the user after the payment for the store has been completed. A user settlement process for performing a settlement in the first currency unit for payment of a fee for the product or the service from the user based on the transaction contract information and the fee information received from the mobile information terminal; Means.

[0010] The invention according to claim 4 is that the store is used for selling goods or providing services in a second currency unit different from the first currency unit used by the user in normal life. When a user purchases a product or receives a service, the user pays for the purchased product or the service received by the user using the mobile information terminal owned by the user. An information processing system for payment used when performing payment via a support institution, comprising: transaction contract information previously exchanged between the user and the store; the first currency unit and the second currency unit; Information storage means for storing information on the current exchange rate between the currency unit and a fee for receiving fee information on the price of the product or the service from the mobile information terminal of the user via a communication line Charge receiving means, charge data for calculating the charge data in the first currency unit based on the charge information received from the mobile information terminal and the information on the exchange rate stored in the information storage means. Calculating means, charge data transmitting means for transmitting the charge data in the first currency unit to the mobile information terminal via the communication line, and payment request information from the mobile information terminal via the communication line. Based on the settlement request information receiving means to be received, and the transaction contract information stored in the information storage means and the fee information received from the mobile information terminal, payment of the fee for the product or service to the store is performed. A store settlement processing means for processing settlement in a second currency unit, and settlement notification information for notifying that the settlement for the store has been completed to the mobile information terminal via a communication line; A settlement notification information transmitting unit, and after the settlement for the store is completed, the product from the user based on the transaction contract information stored in the information storage unit and the fee information received from the mobile information terminal. Alternatively, there is provided a user settlement processing means for processing settlement in the first currency unit for payment of the fee for the service.

[0011] The invention according to claim 6 is directed to a store which sells goods or provides services in a second currency unit different from the first currency unit used by the user in normal life. A mobile information terminal used when performing payment through a payment support institution for payment of a fee for a product purchased by the user or a service received by the user, and from a fee payment receiving device of the store, Charge information receiving means for receiving charge information relating to the charge of the product or service; information storage means for storing information relating to a current exchange rate between the first currency unit and the second currency unit; A charge data for calculating the charge data in the first currency unit based on the information on the exchange rate stored in the information storage means and the charge information received from the charge payment receiving device. Data calculation means, a charge output means for outputting the charge in the first currency unit based on the calculation result of the charge data calculation means, and the payment support institution to the payment support organization via a communication line together with the payment request information. Charge information transmitting means for transmitting the charge information, and payment notification information for receiving, via the communication line from the payment support organization, payment notification information for notifying that the payment between the store and the payment support organization has been completed. Receiving means.

[0012] The invention of claim 7 is directed to a store which sells goods or provides services in a second currency unit different from the first currency unit used by the user in ordinary life. A mobile information terminal used when performing payment through a payment support institution for payment of a fee for a product purchased by the user or a service received by the user, and from a fee payment receiving device of the store, A charge information receiving means for receiving charge information on the charge of the product or the service, a charge information transmitting means for transmitting the charge information to the settlement support organization via a communication line, and a communication line from the settlement support organization. Charge data for receiving the charge data in the first currency unit obtained based on information on a current exchange rate between the first currency unit and the second currency unit via the first currency unit Communication means, a charge output means for outputting the charge in the first currency unit based on a calculation result of the charge data calculation means, and transmitting the settlement request information to the settlement support organization via a communication line. Settlement request information transmitting means,
A payment notification information receiving means for receiving payment notification information for notifying that the payment between the store and the payment support organization is completed from the payment support organization via a communication line. It is.

The "mobile information terminal" includes a PHS (Personal Handyphone Servic) in addition to a mobile phone.
e), automobile telephones, portable computers and the like. In addition, the above "information on current exchange rates"
The latest exchange rate may be acquired from a predetermined information provider every time the exchange rate is changed, or may be acquired each time a user requests a settlement.

In the settlement methods of claims 1 and 2, the settlement information processing system of claims 3 and 4, and the mobile information terminal of claims 6 and 7, the first currency unit different from the user's usual currency unit is used. In a store that sells goods or provides services in the second currency unit, when purchasing goods or receiving services, the charge information related to the charge of the goods or services received from the charge payment receiving device of the store. The mobile information terminal or the payment support institution calculates the charge data in the first currency unit based on the information on the current exchange rate between the first currency unit and the second currency unit, From the mobile information terminal of the first currency unit. Thus, the user can easily grasp the fee to be paid to the store in the first currency unit that is familiar in normal life.

[0015] Further, the fee information on the fee for the product or service received from the fee payment receiving device of the store is transmitted from the mobile information terminal of the user to the settlement management institution via the communication line. Based on the transaction contract information previously exchanged with the store and the charge information received from the mobile information terminal, the settlement management organization receiving the charge information uses the store to pay for the goods or services to the store based on the charge information. Process the settlement in the second currency unit. The settlement management institution manages and operates the communication by the mobile information terminal owned by the user and has transaction contract information previously exchanged between the user and the store, so that the settlement process for the store can be promptly performed. Can be performed. On the other hand, the store can collect the sold fee more quickly and in the second currency unit used by the store than when using a credit card.

Further, since payment notification information for notifying that the payment to the store has been completed is transmitted to the user's mobile information terminal at the store via a communication line, the store information is set based on the payment notification information. The side can confirm the facts in the settlement and proceed with the transaction with the user safely.
Then, based on the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal after the settlement of the store is completed, the user pays the product or service fee to the user. Performs settlement processing in the first currency unit used in ordinary life, thereby completing a series of payments for selling goods or providing services, and enabling users to pay cash even at stores without a credit card. You can pay for goods and services without preparing them.

According to a fifth aspect of the present invention, in the settlement information processing system according to the third or fourth aspect, the information storage means stores, in addition to the transaction contract information, personal identification information used for authentication of the user. The information receiving means receives the personal identification information from the mobile information terminal together with the fee information, and the store settlement processing means is stored in the information storage means prior to the settlement processing. Authentication based on the personal identification information and the personal identification information received from the mobile information terminal by the information receiving means. is there. In the settlement information processing system according to the fifth aspect, prior to the settlement processing, the user is required to identify the user based on the identification information stored in the information storage means and the identification information received from the mobile information terminal by the information receiving means. By performing authentication as to whether or not the user is the principal, it is possible to prevent a user impersonating the principal from operating the mobile information terminal to execute the payment processing. Damage due to unauthorized use of the mobile information terminal can be caused.

According to an eighth aspect of the present invention, there is provided a program executed by a computer used in the settlement information processing system according to the third, fourth, or fifth aspect, wherein the computer is caused to function as each unit in the settlement information processing system. It is a program for. By executing the program according to claim 8 on a computer used in the information processing system for payment, the information processing for payment in the information processing system for payment can be executed.

According to a ninth aspect of the present invention, there is provided a program executed by a computer used in the mobile information terminal according to the sixth or seventh aspect, wherein the program causes the computer to function as each unit in the mobile information terminal. By executing the program according to claim 9 on a computer used in a mobile information terminal, it is possible to execute the above-described information processing for settlement in the mobile information terminal.

The delivery of the program according to the eighth or ninth aspect of the present invention may be performed using a recording medium such as an FD or a CD-ROM in which the program is recorded as digital information, or may be transmitted through a communication network such as a computer network. It may be performed using a line.

According to a tenth aspect of the present invention, there is provided a system for selling goods or providing services in a second currency unit different from the first currency unit used by a user in a normal life. When a user purchases a product or receives a service, the user pays for the purchased product or the service received by the user using the mobile information terminal owned by the user. A payment method for performing payment via a support institution, wherein the payment support institution includes:
An institution which manages and operates communication by the mobile information terminal owned by the user, wherein, in the mobile information terminal, charge information relating to the charge of the product or the service, the first currency unit and the second currency unit Calculating the charge data in the first currency unit based on the information on the current exchange rate between and the mobile information terminal, and outputting the charge in the first currency unit. Transmitting the charge information together with payment request information from the mobile information terminal to the payment support organization via a communication line; and Processing payment in the second currency unit for payment of the fee for the service; and providing the mobile information terminal to the mobile information terminal from the payment support organization via a communication line.
Transmitting settlement notification information for notifying that the settlement between the store and the settlement support institution is completed; and, after completing the settlement between the store and the settlement support institution, communicating with the user. Based on the transaction contract information previously exchanged between the mobile information terminal and the fee information received from the mobile information terminal, the user pays the fee for the product or the service to the settlement support institution using the first And a step of processing settlement in currency units.

[0022] The invention according to claim 11 is that the store is used for selling goods or providing services in a second currency unit different from the first currency unit used by the user in normal life. When a user purchases a product or receives a service, the user pays for the purchased product or the service received by the user using the mobile information terminal owned by the user. A payment method for performing payment via a support institution, wherein the payment support institution includes:
An institution that manages and operates communication by the mobile information terminal owned by the user, and transmits fee information on the price of the product or the service from the mobile information terminal to the payment support organization via a communication line; At the settlement support organization, based on the fee information received from the mobile information terminal and information on a current exchange rate between the first currency unit and the second currency unit, Calculating the charge data in the first currency unit to the mobile information terminal via the communication line from the settlement support institution; and calculating the charge information in the first currency unit. A step of outputting the charge in the first currency unit at the terminal, a step of transmitting settlement request information from the mobile information terminal to the settlement support organization via a communication line, In assistance agencies, and the step of processing the settlement of the currency unit of the second from the settlement support institutions for the payment of a fee of quotient goods or the service to the store,
Transmitting payment notification information from the payment support organization to the mobile information terminal via the communication line to notify that the payment between the store and the payment support organization has been completed; After the settlement with the institution is completed, based on the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal, the user sends the settlement support institution Processing the payment in the first currency unit for the payment of the fee for the goods or the service to the customer.

In the settlement method according to the tenth and eleventh aspects, the user purchases a product at a store that sells or provides services in a second currency unit different from the first currency unit normally used by the user. A mobile information terminal or payment based on charge information relating to a charge for a product or service and information relating to a current exchange rate between a first currency unit and a second currency unit when receiving or receiving a service. The support organization calculates the data of the fee in the first currency unit, and outputs the fee in the first currency unit from the user's mobile information terminal. Thus, the user can easily grasp the fee to be paid to the store in the first currency unit that is familiar in normal life.

[0024] Further, the fee information on the fee of the above-mentioned product or service is transmitted from the mobile information terminal of the user to the settlement management institution via the communication line. The settlement management organization that has received the charge information, based on the transaction contract information exchanged with the store in advance and the charge information received from the mobile information terminal,
Process payment in a second currency unit used by the store for payment of the goods or services to the store. The store can collect the sold price more quickly and in the second currency unit used by the store than when using a credit card.

Further, since payment notification information for notifying that the payment to the store has been completed is transmitted to the user's mobile information terminal at the store via the communication line, the store information is set based on the payment notification information. The side can confirm the facts in the settlement and proceed with the transaction with the user safely.
After the payment for the store is completed, the payment processing for the payment of the goods or services to the user is performed in the first currency unit used by the user in the normal life, based on the fee information received from the mobile information terminal. Is executed, thereby completing a series of payments for the sale of goods or the provision of services, so that the user can pay for the goods and services without preparing cash even in a store where a credit card has not been subscribed.

The twelfth aspect of the present invention provides the tenth or eleventh aspect.
The settlement support institution may have transaction contract information previously exchanged between the user and the store.

In the settlement method according to the twelfth aspect, since the settlement support institution has the transaction contract information previously exchanged between the user and the store, the settlement process for the store and the user can be promptly performed. Can be performed.

[0028]

Embodiments of the present invention will be described below with reference to the drawings. [Embodiment 1] FIG. 1 is a conceptual diagram showing an entire framework of a settlement method according to a first embodiment of the present invention. According to the settlement method of the present embodiment, a user 10 who uses "yen" of Japan (hereinafter referred to as "home country") as a first currency unit in normal life, When a product is purchased at a store 20 that sells products using “US dollars” as a different second currency unit, an international payment for the price of the product purchased at the store 20 is made via a payment support agency. This is performed using a mobile phone 60 as a mobile information terminal. The settlement support organization in the present embodiment manages and operates communication by the mobile phone 60 owned by the user 10, terminal identification information for connecting to the mobile phone 60, and a PIN as identification information used for user authentication.
(Personal Identification Number) code carrier 50.

The portable telephone 60 is configured to be able to communicate wirelessly or by wire with a POS terminal 21 as a fee payment receiving device installed in the store 20. For example, each of the mobile phone 60 and the POS terminal 21 is provided with a communication standard for contactless IC cards compliant with Bluetooth (registered trademark), ISO14443, IrDA, and Home.
Provide a data transmitting and receiving unit that satisfies wireless communication standards such as RF,
Information is exchanged via this data transmission / reception unit. The POS terminal 21 can transmit and receive data to and from a management server 41 installed in a POS management center 40 via a dedicated line.

FIGS. 2 and 3 are a schematic configuration diagram and a functional block diagram, respectively, of a payment information processing system (hereinafter referred to as a "payment support system") 51 used in the present payment method. The payment support system 51 is managed and operated by a communication carrier 50, and as shown in FIG. 2, a system bus 100, an internal storage device including a CPU 101, a RAM 102 and a ROM 103, and a hard disk drive (HD).
D) and an external storage device 10 such as an optical disk drive
4. An input device 105 such as a mouse and a keyboard, an output device 106 such as a display and a printer, and the mobile phone 60 of each user 10 through the mobile phone communication network 70.
And a dedicated line communication device 109 for communicating with the settlement management server 81 of the financial institution 80 via the dedicated line 90. The components such as the CPU 101 and the RAM 102 exchange data and program instructions with each other via the system bus 100. A program for operating the settlement support system 51 according to a predetermined procedure is stored in the ROM 103 or the external storage device 104, and is called and executed by a work area on the CPU 101 or the RAM 102 as needed. Further, the payment support system 51 may be configured by one computer system, or may be configured by connecting a plurality of computers respectively having a plurality of server functions via a network.

The payment support system 51 executes a predetermined program on the hardware shown in FIG. 2 to execute the information storage means 501 and the information receiving means 50 shown in FIG.
2. The functions of the store payment processing means 503, the information transmission means 504, and the user payment processing means 505 are realized.

The information storage means 501 is configured using an external storage device 104 such as a hard disk of the settlement support system 51, and includes, in addition to the user information of the user 10 who owns the mobile phone 60, The transaction contract information previously exchanged between the user 10 and the store 20 is stored. For example, for each user 10, FIG.
As shown in (a), a mobile phone number as terminal identification information, a PIN code as personal identification information, automatic debit account information (financial institution name, branch number, account type, account number, name) or credit card Charge payment transaction information such as information (card type, issuer name, card number, expiration date, name), usage service information such as use package plan name, additional option name, applicable discount type, and other user names , Addresses, telephone numbers, mail addresses and the like are registered in association with each other. For each store 20, as shown in FIG. 4B, a store ID number as store identification information and transfer account information (financial institution name, branch number, account type, account number, name, settlement currency unit) ) And transaction information such as debit account information (financial institution name, branch number, account type, account number, name, settlement currency unit), and information such as other store names, country names, addresses, telephone numbers, fax numbers, etc. Is associated and registered.

The information receiving means 502 is composed of the CPU 101, the RAM 102, the mobile phone communication device 108, etc. of the payment support system 51, and requests the user 10 to settle the payment via the mobile phone communication network 70 via the mobile phone communication network 70. It has a function of receiving the charge information on the charge of the product together with the information.

The store settlement processing means 503 is composed of the CPU 101, the RAM 102, the dedicated line communication device 109, etc. of the settlement support system 51, and provides the transaction contract information previously exchanged with the store 20 and the mobile telephone 60. Based on the received fee information, the store settlement process for payment of the product fee to the store 20 is performed by exchanging the settlement request information and the settlement notification information with the settlement management server 81 of the external financial institution 80. Has the function of performing

The information transmitting means 504 is constituted by the CPU 101, the RAM 102, the communication device 108 for the portable telephone of the settlement support system 51 and the like, and is connected to the user's portable telephone 60 via the portable telephone communication network 70 to the store 20. It has a function of transmitting payment notification information for notifying that payment has been completed.

The user settlement processing means 505 is constituted by the CPU 101, the RAM 102, the dedicated line communication device 109 and the like of the settlement support system 51, and
Contract information and mobile phone 60 previously exchanged between
External financial institution 8 based on the fee information received from
It has a function of performing a store settlement process for payment of a product fee from the user 10 by exchanging settlement request information, settlement notification information, and the like with the settlement management server 81 of No. 0.

FIGS. 5 and 6 are a schematic configuration diagram and a functional block diagram, respectively, of a mobile phone 60 used in the present settlement method. As shown in FIG. 5, this mobile phone 60
System bus 200, CPU 201, RAM 202 and R
An internal storage device such as an OM 203; an input device 204 such as a microphone and various input buttons; an output device 205 such as a liquid crystal display (LCD) and a printer; and a wireless communication with a POS terminal 21 installed in a store 20 A communication device 206 for short-range wireless communication and a communication device 207 for mobile phone for communicating with the mobile phone 60 of each user 10 and the settlement support system 51 via the mobile phone communication network 70 are provided. Components such as the CPU 201 and the RAM 202 exchange data and program instructions with each other via the system bus 200. A program for operating the mobile phone 60 according to a predetermined procedure is stored in the ROM 203, and is called and executed by a work area on the CPU 201 or the RAM 202 as needed.

The mobile phone 60 executes a predetermined program on the hardware shown in FIG. 5 to execute the information storage means 601 and the charge information receiving means 60 shown in FIG.
2, charge data calculation means 603, charge output means 604,
Charge information transmitting means 605 and settlement notification information receiving means 60
6 are realized.

The information storage means 601 is constituted by using an internal storage device such as a RAM of the portable telephone 60, and the settlement support system 5 is provided at a predetermined timing.
1 stores information on the current exchange rate between the home currency unit "yen" and the US currency unit "US dollar", as well as various data used by the mobile phone 60. ing.

The charge information receiving means 602 comprises the CPU 201 of the mobile phone 60, the RAM 202, the communication device 206 for short-range wireless communication, and the like.
The terminal 21 has a function of receiving charge information on a charge of a product from the terminal 21.

The charge data calculation means 603 is constituted by the CPU 201, the RAM 202 and the like of the mobile phone 60, and is based on the information on the current exchange rate stored in the information storage means 601 and the charge information received from the POS terminal 21. It has a function of calculating fee data in "yen" which is a currency unit of the home country.

The charge output means 604 is a portable telephone 6
0, a CPU 201, an output device 205, and the like.
Based on the calculation result of the charge data calculation means 603,
It has a function of outputting a fee for a product purchased at the store 20 in the currency unit "yen" of the home country. The output of the fee may be performed by displaying it as image information on a liquid crystal display (LCD) of the mobile phone 60 or by outputting it as audio information from a speaker.

The charge information transmitting means 605 comprises the CPU 201 of the mobile phone 60, the RAM 202, the communication device 207 for the mobile phone communication network, and the like.
0, the settlement support system 51 of the settlement support organization 50
Has a function of transmitting the charge information received from the POS terminal 21 together with the settlement request information.

The payment notification information receiving means 606 is constituted by the CPU 201 of the mobile phone 60, the RAM 202, the communication device 207 for the mobile phone communication network and the like, and is transmitted from the payment support system 51 of the payment support organization 50 to the mobile phone communication network 70. And has a function of receiving payment notification information for notifying that the payment between the store 20 and the payment support organization 50 has been completed.

FIG. 7 is a flowchart showing the flow of the settlement procedure in the settlement method of the present embodiment. Steps surrounded by thin solid lines in FIG.
0, and steps surrounded by a thick solid line are processes in the settlement support system 51. First, a user 10 who wants to purchase a product at a store 20 in the United States has a POS
Go to the place where the terminal 21 is installed, and
To receive the fee information, purchased product information, and the like transmitted from the POS terminal 21 by short-range wireless communication (step 1). In the mobile phone 60 receiving the information from the POS terminal 21, based on the current exchange rate between the home currency “yen” and the US currency “US dollar”, the charge data in the home currency unit “yen” is used. Is calculated (step 2). Then, based on the calculation result, the purchase price of the product is displayed on the liquid crystal display of the mobile phone 60 in the currency unit of the home country "yen" (step 3). User 10
By looking at this display, you can check how much the price of the product you are going to purchase according to the current exchange rate in the currency unit of the home country "yen". In addition, the price to be purchased and the rate in the local US currency unit “US dollar” may be displayed together with the rate in the home country currency unit “yen”.

Next, the user 10 further enters the portable telephone 60
To connect to the payment support system 51 of the payment support organization (communications carrier) 50 via the mobile phone communication network 70, and to settle the payment request information and the charge information and the product information received from the POS terminal 21. The information is transmitted to the system 51 (step 4).

The settlement support system 51 includes a mobile phone 60
(Step 5), and based on the received fee information and the transaction information between the store 20 stored in the information storage means 501, the transaction with the store 20 is performed. Information is transmitted / received to / from an external financial institution 80, and a store settlement process relating to the payment of the above-mentioned product fee from the communication carrier (settlement support institution) 50 to the store 20 is performed (step 6).

Next, the settlement support system 51 relates to the payment of the commodity fee from the communication operator (settlement support organization) 50 to the store 20 to the portable telephone 60 of the user 10 via the portable telephone communication network 70. The settlement notification information for notifying that the settlement is completed is immediately transmitted (step 7). This payment notification information is received by the mobile phone 60 (step 8) and displayed on the display of the mobile phone 60.
The person in charge of the store 20 who sees this display can safely perform transactions relating to the purchase and sale of commodities on the spot.

Next, the settlement support system 51 uses the charge information received from the mobile phone 60 and the usage information stored in the information storage means 501 at a timing when a predetermined period has elapsed after the completion of the store settlement processing. Based on the transaction information with the user 10, information is transmitted and received to and from the external financial institution 80 having a transaction with the user 10, and the product is transferred from the user 10 to the communication carrier (settlement support institution) 50. A user settlement process related to payment of a fee is performed (step 9). This user settlement process is performed in the currency unit "yen" of the home country confirmed on the display of the mobile phone 60, and utilizes the exchange rate risk caused by the difference between the conventional exchange rate at the time of product purchase and the exchange rate at the time of settlement. People do not receive. Further, the details related to the user settlement processing will be sent to the user 10 at a later date together with the details of the mobile use fee to the user 10 side.

As described above, according to the present embodiment, even in a store in the United States or the like where the currency unit is different from the home country (Japan) where the user's living base is located, the user does not need to prepare cash, and The purchase fee can be confirmed in the currency unit "yen" of the home country that is familiar with ordinary life, and can be paid while avoiding exchange risk. In addition, since the price of the product purchased by the user 10 is immediately credited to the account on the side of the store 20 in US dollars, the store can promptly reduce the price sold as compared with the case where the payment is made with a credit card. In addition, it is possible to collect in a currency unit such as the United States where the store is located.

In the above-described embodiment, a case has been described where payment is performed using a mobile phone when shopping or the like is performed at a store where a POS terminal capable of communicating with the mobile phone is installed. When shopping at a retail store without a terminal, or at a POS that cannot communicate with a mobile phone
The present invention can also be applied to shopping at a store where only terminals are installed. Also in this case, similarly to the above-described embodiment, a transaction contract regarding settlement using a mobile phone is previously made between the store and a communication carrier as a settlement support organization. Then, the information of the transaction contract, specifically, the store ID number as the store identification information and the transfer account information (financial institution name, branch number, account type, account number, name, etc.) are stored in the settlement support system of the communication carrier. , Settlement currency unit) and transaction information such as debit account information (financial institution name, branch number, account type, account number, name, settlement currency unit),
Information such as other store names, country names, addresses, telephone numbers, and fax numbers are registered in association with each other. POS
A user who wants to purchase a product at a store without a terminal or a store with only a POS terminal that cannot communicate with a mobile phone operates the mobile phone 60 to pay the purchase price, and stores the store ID number, purchased product information (for example, Data such as barcode information and product name of the product) and price information,
Payment support system 5 of payment support organization (communications carrier) 50
1 and transmit data. This data input may be performed by displaying a store list and a product list registered in the mobile phone in advance and selecting from these lists. Thereafter, the payment procedure after the payment support system receives the fee information and the like transmitted from the mobile phone is performed in the same manner as the procedure described with reference to the flowchart in FIG. 7 of the above embodiment. Thus, POS
Even when shopping at a retail store or the like where there is no terminal, or when shopping at a store where only POS terminals that cannot communicate with mobile phones are installed, the home country (Japan) where the user's living base is located is in currency units At stores in the United States, etc., where the user does not have to prepare cash, check the purchase price of the product in the currency unit "Yen" of the home country that is familiar with ordinary life and pay while avoiding currency exchange risk be able to. In addition, since the price of the product purchased by the user is immediately credited to the store's account in US dollars, the store can reduce the price sold faster and more quickly than if the payment was made with a credit card. It will be possible to collect in a currency unit such as the United States.

[Second Embodiment] FIG. 8 is a conceptual diagram showing an entire framework of a settlement method using a mobile phone according to a second embodiment of the present invention. Hereinafter, the same parts as those in the settlement method of the above-described first embodiment are denoted by the same reference numerals, and description thereof is omitted. In the settlement method according to the present embodiment, unlike the first embodiment, the processing for calculating the charge in the currency unit “yen” of the home country of the product that the user intends to purchase is different from the settlement support organization (communication carrier). 50 settlement support systems 51
Within. For calculation in the settlement support system 51, the charge information received from the POS terminal 21 is transmitted from the mobile phone 60 to the settlement support system 51, and the charge data converted into “yen” is transmitted from the settlement support system 51. Sent to mobile phone 60.

FIG. 9 is a functional block diagram of the settlement support system 52 used in the settlement method. The hardware configuration of the settlement support system 52 may be the same as the configuration in FIG. 2 shown in the first embodiment. The payment support system 52 executes a predetermined program on the hardware shown in FIG. 2 to execute each of the information storage unit 501, the store payment processing unit 503, and the user payment processing unit 505 in the first embodiment. In addition to the functions, the functions of a charge information receiving unit 506, a charge data calculation unit 507, a charge data transmission unit 508, a settlement request information reception unit 509, and a settlement notification information transmission unit 510 are realized.

The fee information receiving means 506 is constituted by the CPU 101, the RAM 102, the mobile phone communication device 108 and the like of the settlement support system 51, and is used by the user 10 via the mobile phone communication network 70 via the mobile phone communication network 70. Has the function of receiving charge information on the charge of the product that the user is trying to purchase.

The charge data calculation means 507 is constituted by the CPU 101, the RAM 102 and the like of the settlement support system 51, and converts the charge information received from the portable telephone 60 and the information on the exchange rate stored in the information storage means 501. It has a function of calculating the charge data based on the currency unit "yen" of the home country based on the data.

The charge data transmitting means 508 is constituted by the CPU 101, the RAM 102, the communication device 108 for the mobile phone, etc. of the settlement support system 51, and is transmitted to the mobile phone 60 via the mobile phone communication network 70 in the currency unit of the home country. It has a function of transmitting the data of the fee in “yen”.

The settlement request information receiving means 509 includes the CPU 101, the RAM 102,
It is configured by a mobile phone communication device 108 and the like, and has a function of receiving settlement request information from the user's mobile phone 60 via the mobile phone communication network 70.

The payment notification information transmitting means 510 is provided by the CPU 101, the RAM 102,
The mobile phone 60 is constituted by a mobile phone communication device 108 and the like, and is connected to the user's mobile phone 60 via the mobile phone communication network 70.
It has a function of transmitting payment notification information for notifying that the payment for 0 has been completed.

FIG. 10 is a functional block diagram of a mobile phone 61 used in the present settlement method. Note that the hardware configuration of the mobile phone 61 may be the same as the configuration of FIG. 5 shown in the first embodiment. The mobile phone 61 executes the predetermined program on the hardware shown in FIG. 5 to execute the information storage unit 601 and the fee output unit 604 in the first embodiment.
In addition to the functions of the settlement notification information receiving unit 606, the functions of the charge information transmitting unit 607, the charge data receiving unit 608, and the settlement request information transmitting unit 609 are realized.

The charge information transmitting means 607 comprises the CPU 201 of the mobile phone 61, the RAM 202, the communication device 207 for the mobile phone communication network, and the like.
0, the settlement support system 51 of the settlement support organization 50
Has a function of transmitting the charge information received from the POS terminal 21.

The charge data receiving means 608 comprises the CPU 201 of the mobile phone 61, the RAM 202, the communication device 207 for the mobile phone communication network, and the like.
0 via the mobile phone communication network 70 from the settlement support system 51 of the home country, based on the information on the current exchange rate between the currency of the user's home country and the US currency where the store is located. Has a function of receiving the data of the fee according to "."

The settlement request information transmitting means 609 comprises the CPU 201 of the portable telephone 61, the RAM 202, the communication device 207 for the portable telephone communication network and the like, and the settlement support system 5 of the settlement support organization 50 through the portable telephone communication network 70.
1 through a function of transmitting settlement request information.

FIG. 11 is a flowchart showing the flow of the settlement procedure in the settlement method of the present embodiment. Steps surrounded by thin solid lines in FIG. 11 are processes performed by the mobile phone 60 of the user 10, and steps surrounded by thick solid lines are processes performed by the payment support system 52. First, a user 10 who wants to purchase a product at a store 20 in the United States receives a P
The user goes to the place where the OS terminal 21 is installed, operates the mobile phone 61, and receives the fee information, purchased product information, and the like transmitted from the POS terminal 21 by short-range wireless communication (step 1). Then, the user 10 further operates the mobile phone 61 to settle the payment support organization (communication carrier) 5.
No. 0 is connected to the payment support system 52 via the mobile phone communication network 70, and the charge information and the product information received from the POS terminal 21 are transmitted to the payment support system 52 (step 2).

Next, the settlement support system 52 receives the fee information and the like transmitted from the mobile phone 61 (step 3), and receives the received fee information, the home currency “yen” and the US currency “US dollar”. Is calculated on the basis of the current exchange rate between “and“ ”(step 4). And the settlement support system 52
The data of the fee converted into the currency unit "yen" of the home country is transmitted to the mobile phone 61 via the mobile phone communication network 70 (step 5).

Next, the user 10 operates the mobile phone 61 to receive the fee data converted into the above-mentioned currency unit “yen” of the home country from the settlement support system 52 (step 6), and It is displayed on the liquid crystal display of the mobile phone 61 in the currency unit "yen" of the home country (step 7). By viewing this display, the user 10 can check how much the price of the product to be purchased is in the currency unit of the home country "yen" according to the current exchange rate. In addition, the price to be purchased and the rate in the local US currency unit “US dollar” may be displayed together with the rate in the home country currency unit “yen”.

Next, the user 10 further moves to the mobile phone 61.
To connect to the payment support system 52 of the payment support organization (communications carrier) 50 via the mobile phone communication network 70, and transmit the payment request information (step 8).

The settlement support system 52 includes a mobile phone 61
After receiving the settlement request information transmitted from the server (step 9), the charge information received earlier and the information storage unit 50 are stored.
1 based on the transaction information with the store 20 stored in 1, the information is transmitted to and received from an external financial institution 80 having a transaction with the store 20.
A store settlement process for payment of the above-mentioned commodity fee from the store to the store 20 is performed (step 10).

Next, the settlement support system 52 relates to the payment of merchandise to the store 20 from the communication operator (settlement support institution) 50 to the mobile phone 61 of the user 10 via the mobile phone communication network 70. The settlement notification information for notifying that the settlement is completed is immediately transmitted (step 11). This payment notification information is received by the mobile phone 61 (step 12) and displayed on the display of the mobile phone 61. The person in charge of the store 20 who sees this display can safely perform transactions relating to the purchase and sale of commodities on the spot.

Next, the payment support system 52 uses the charge information received from the mobile phone 61 and the usage information stored in the information storage means 501 at the timing when a predetermined period has elapsed after the completion of the store payment processing. Based on the transaction information with the user 10, information is transmitted and received to and from the external financial institution 80 having a transaction with the user 10, and the product is transferred from the user 10 to the communication carrier (settlement support institution) 50. A user settlement process for payment of a fee is performed (step 13). The details related to the user settlement processing are sent to the user 10 at a later date together with the details of the mobile usage fee to the user 10 side.

As described above, in this embodiment, as in the case of the above-described first embodiment, even in a store in the United States or the like, which has a different currency unit from the home country (Japan) where the user's living base is located. Without having to prepare cash, the person can check and pay the purchase price of the product in the currency unit “yen” of the home country that he is familiar with in ordinary life. In addition, since the price of the product purchased by the user 10 is immediately credited to the account on the side of the store 20 in US dollars, the store can promptly reduce the price sold as compared with the case where the payment is made with a credit card. In addition, it is possible to collect in a currency unit such as the United States where the store is located.

In the above embodiments, the settlement request in the store settlement process and the user settlement process is made to the same financial institution 80. However, the settlement request in the store settlement process and the settlement request in the user settlement process are performed. May be performed for different financial institutions.

In each of the above embodiments, the case where the user purchases a product has been described.
The present invention can also be applied to various types of passenger transportation such as airplanes and trains, appreciation of movies and concerts, reception of restaurants and other restaurants, and accommodation at hotels and the like. In this case, the “store” corresponds to a facility, a restaurant, a hotel, or the like having a window for purchasing tickets such as aircraft and trains and concert tickets.

In each of the above-described embodiments, a user who uses “Japanese yen” as the first currency unit in a normal life in Japan is replaced with a US user who uses “US dollar” as the second currency unit. Has been described, the present invention is based on the assumption that if the first currency unit normally used by the user and the second currency unit used by the store are different from each other, the currency unit is "Japanese yen". And "US dollars".

Further, in each of the above embodiments, the case where the user actually goes to the United States for shopping is described. However, the present invention is also applicable to the “fee payment receiving device” installed in the United States and the like. When a user accesses an online store built on a functioning web server and purchases goods or receives services for which a price is set in a second currency unit different from the home country's "yen" Also,
It is equally applicable.

When transmitting fee information and payment request information from the mobile phone 60 of the user 10 to the payment support systems 51 and 52, a PIN code is transmitted together with personal identification information so that the user can use the personal identification information. Authentication of whether or not there is may be performed. In this case, it is possible to prevent a user impersonating the user from operating the mobile phone to execute the above-described settlement processing, and to prevent damage due to unauthorized use of the mobile phone. Also, together with or instead of the PIN code, the fingerprint information of the user 10, the iris information and retina information of the eyeball, the blood vessel information read from the surface of the hand and the like, the shape of the face, the features of the voice and the voiceprint Information about biometrics (biological characteristics) such as a handprint and a palm print may be used as the above-mentioned identity verification information. In addition, information such as how to write characters, pen pressure, direction to release the brush,
Handwriting information such as speed at the time of input from a keyboard or the like, or keying information such as an interval between pressing a key and another key may be used.

In each of the above embodiments, a dedicated user identification code (UI) used only at the time of the settlement request is used.
D: User Identification Code). The user identification code (UID) receives an application from a user who wishes to make a payment using the payment support systems 51 and 52 of the communication carrier 50, performs a credit check on the user who applied, and performs a predetermined credit check. Issued to users who meet the conditions. This carrier (settlement support organization)
The user identification code (UID) issued from 50 is stored in the information storage means 501 of the settlement support systems 51 and 52 as user information. By using the user identification code (UID) in this way, it is possible to know in advance the users who may perform the settlement request processing, and thus the user management becomes easy.

In the above embodiment, the transmission and reception of information between the user's portable telephones 60 and 61 and the POS terminal 21 preferably uses an encryption system. By using the encryption system in this manner, information can be prevented from leaking to the outside, so that the authentication process of the user 10 can be performed more safely. In order to encrypt this information on the mobile phone 60 or 61 side, for example, a fingerprint module capable of storing an authentication key and a cryptographic algorithm or a USIM (Universal Subscriber Identity Module) which is a SIM card for a next-generation mobile communication system is used. The mobile phone 60 has a secure memory such as

In each of the above embodiments, the portable telephone 60 is used for transmitting and receiving information to and from the settlement support institution 50. However, other mobile information terminals such as a PHS, a car telephone, and a portable personal computer are used. May be.

[0079]

According to the first to twelfth aspects of the present invention, even in a store using a second currency unit different from the first currency unit used by a user in a normal life, a charge for goods and services is provided. Can be confirmed in the first currency unit that is familiar in normal life, and can be paid while avoiding currency exchange risks. In addition, the store has an excellent effect that it is possible to collect the sold price more quickly and in the second currency unit used by the store than in the case where payment is made by credit card.

In particular, according to the invention of claim 5, it is possible to prevent a user impersonating himself / herself from operating the mobile information terminal to execute the above-mentioned settlement processing, and to prevent damage due to unauthorized use of the mobile information terminal. Has an excellent effect that it can be prevented.

In particular, according to the twelfth aspect of the invention, there is an excellent effect that the settlement processing for the store and the user can be executed quickly.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram showing an entire framework of a settlement method using a mobile phone according to a first embodiment of the present invention.

FIG. 2 is a schematic configuration diagram of a settlement support system used in the settlement method.

FIG. 3 is a functional block diagram of a settlement support system used in the settlement method.

FIG. 4A is an explanatory diagram of user information stored in an information storage unit of the payment support system. (B) is an explanatory view of store information stored in the information storage means of the settlement support system.

FIG. 5 is a schematic configuration diagram of a mobile phone used in the settlement method.

FIG. 6 is a functional block diagram of a mobile phone used in the settlement method.

FIG. 7 is a flowchart showing a flow of a settlement procedure in the settlement method.

FIG. 8 is a conceptual diagram showing an entire framework of a settlement method using a mobile phone according to a second embodiment of the present invention.

FIG. 9 is a functional block diagram of a settlement support system used in the settlement method.

FIG. 10 is a functional block diagram of a mobile phone used in the settlement method.

FIG. 11 is a flowchart showing a flow of a settlement procedure in the settlement method.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 User 20 Store 21 POS terminal (payment receiving device) 40 POS management center 41 Management server 50 Telecommunications carrier (settlement support organization) 51,52 Settlement support system 60,61 Mobile phone (mobile information terminal) 70 Mobile phone communication Network (communication line) 80 Financial institution 81 Payment management server 90 Dedicated line 100 System bus 101 CPU 102 RAM 103 ROM 104 External storage device 105 Input device 106 Output device 108 Mobile phone communication device 109 Dedicated line communication device 200 System bus 201 CPU 202 RAM 203 ROM 204 Input device 205 Output device 206 Communication device for short-range wireless communication 207 Communication device for mobile phone 501 Information storage means 502 Information reception means 503 Store settlement processing means 504 Information transmission means 505 Use Payment processing means 506 charge information receiving means 507 charge data calculation means 508 charge data transmission means 509 payment request information reception means 510 payment notification information transmission means 601 information storage means 602 charge information reception means 603 charge data calculation means 604 charge output means 605 607 Charge information transmitting means 606 Payment notification information receiving means 608 Charge data receiving means 609 Payment request information transmitting means

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification FI FI Theme Court ゛ (Reference) G07G 1/12 361 G07G 1/12 361B 1/14 1/14 (72) Inventor Rika Suka Kawasaki, Kanagawa 3-6-1-1- Hisamoto, Takatsu-ku F-term (reference) 3E042 CC01 CD04 CE07 EA01

Claims (12)

[Claims] Claims: 1. A user purchases a product at a store that sells goods or provides services in a second currency unit different from the first currency unit used by the user in normal life. When receiving or receiving a service, payment of a fee for the product purchased by the user or the service received by the user is performed through a settlement support organization using a mobile information terminal owned by the user. A settlement method for performing settlement, wherein the settlement support organization manages and operates communication by a mobile information terminal owned by the user, and has transaction contract information previously exchanged between the user and the store. Transmitting a charge information relating to the charge of the product or the service from the charge payment receiving device of the store to the mobile information terminal of the user; Calculate the charge data in the first currency unit based on the charge information received from the first currency unit and information on the current exchange rate between the first currency unit and the second currency unit. Outputting the fee in the first currency unit at the mobile information terminal; and transmitting the fee information together with the payment request information from the mobile information terminal to the payment support organization via a communication line. In the settlement support organization, based on the transaction contract information previously exchanged with the store and the fee information received from the mobile information terminal, the product from the settlement support organization to the store. Or processing payment in the second currency unit for payment of the fee for the service; and providing the mobile information terminal from the payment support institution via the communication line to the mobile information terminal, and Transmitting settlement notification information for notifying that the settlement has been completed; and after completing the settlement between the store and the settlement support institution, the transaction contract information previously exchanged with the user and Processing the payment in the first currency unit for the payment of the fee for the product or the service from the user to the payment support institution based on the fee information received from the mobile information terminal. A settlement method characterized by performing. 2. The user purchases a product at a store that sells goods or provides services in a second currency unit different from the first currency unit used by the user in normal life. When receiving or receiving a service, payment of a fee for the product purchased by the user or the service received by the user is performed through a settlement support organization using a mobile information terminal owned by the user. A settlement method for performing settlement, wherein the settlement support organization manages and operates communication by a mobile information terminal owned by the user, and has transaction contract information previously exchanged between the user and the store. An institution, a step of transmitting charge information relating to the charge of the product or the service from the charge payment receiving device of the store to the mobile information terminal of the user; and the settlement from the mobile information terminal via a communication line. Transmitting the charge information to a support institution; and in the settlement support institution, the charge information received from the mobile information terminal and a current value between the first currency unit and the second currency unit. Calculating the fee data in the first currency unit based on the information on the exchange rate; and providing the mobile information terminal from the settlement support institution via the communication line to the mobile information terminal in the first currency unit. Transmitting the fee data; outputting the fee in the first currency unit at the mobile information terminal; transmitting the payment request information from the mobile information terminal to the payment support institution via a communication line. Transmitting, at the settlement support organization, based on the transaction contract information previously exchanged with the store and the fee information received from the mobile information terminal, from the settlement support organization to the store Processing the payment in the second currency unit for payment of the fee for the goods or the service to the mobile information terminal via the communication line from the payment support organization to the store and the payment support organization. Transmitting settlement notification information notifying that the settlement between the store and the settlement support institution has been completed, and after the settlement between the store and the settlement support institution has been completed, Based on the transaction contract information and the fee information received from the mobile information terminal, process the payment in the first currency unit for the payment of the product or service from the user to the payment support organization. A settlement method. 3. The user purchases a product at a store that sells goods or provides services in a second currency unit different from the first currency unit used by the user in normal life. When receiving or receiving a service, payment of a fee for the product purchased by the user or the service received by the user is performed through a settlement support organization using a mobile information terminal owned by the user. An information processing system for payment used when performing payment, comprising: information storage means for storing transaction contract information previously exchanged between the user and the store; and a communication line from a mobile information terminal of the user. Information receiving means for receiving, along with the settlement request information, the charge information relating to the price of the product or the service, and the transaction contract information previously exchanged with the store and the mobile information terminal. Store payment processing means for processing payment in the second currency unit for payment of the product or service to the store based on the charge information thus obtained; and a communication line to the mobile information terminal via a communication line. Information transmitting means for transmitting payment notification information for notifying that the payment for the store has been completed; and after the payment for the store has been completed, the transaction contract information previously exchanged with the user and the transfer User payment processing means for processing payment in the first currency unit for payment of the fee for the product or service from the user based on the fee information received from the information terminal. Characteristic information processing system for payment. 4. The user purchases a product at a store that sells goods or provides services in a second currency unit different from the first currency unit used by the user in normal life. When receiving or receiving a service, payment of a fee for the product purchased by the user or the service received by the user is performed through a settlement support organization using a mobile information terminal owned by the user. An information processing system for payment used when performing payment, wherein a transaction contract information previously exchanged between the user and the store and the first currency unit and the second currency unit are provided. Information storage means for storing information relating to the current exchange rate in, and charge information receiving means for receiving charge information relating to the charge of the product or the service from a mobile information terminal of the user via a communication line; Charge data calculation means for calculating the charge data in the first currency unit based on the charge information received from the mobile information terminal and the information on the exchange rate stored in the information storage means; Charge data transmitting means for transmitting the charge data in the first currency unit to the mobile information terminal via the mobile information terminal; and receiving payment request information from the mobile information terminal via the communication line. Means, based on the transaction contract information stored in the information storage means and the fee information received from the mobile information terminal, for payment of the fee for the goods or the service to the store in the second currency unit. Store payment processing means for processing the payment of the payment information transmitted to the mobile information terminal via a communication line to notify that the payment for the store is completed After the settlement for the store is completed, based on the transaction contract information stored in the information storage means and the fee information received from the mobile information terminal, the product or the service from the user. A user settlement processing means for processing settlement in the first currency unit for payment of the fee. 5. The information processing system for settlement according to claim 3, wherein said information storage means stores, together with said transaction contract information, personal identification information used for authentication of said user. Means for receiving personal identification information from the mobile information terminal together with the fee information, and wherein the store settlement processing means comprises, prior to the settlement processing, personal identification information stored in the information storage means. A settlement information processing system for performing authentication as to whether or not the user is a principal based on personal identification information received from the mobile information terminal by the information receiving means. 6. A store which sells goods or provides services in a second currency unit different from the first currency unit used by the user in a normal life, and the user purchases the product. A mobile information terminal used when performing payment via a payment support organization for payment of a fee for a product or a service received by the user, wherein a fee for the product or the service is received from a fee payment receiving device of the store. Charge information receiving means for receiving charge information relating to the first currency unit, information storage means for storing information relating to a current exchange rate between the first currency unit and the second currency unit, and information stored in the information storage means Charge data calculating means for calculating the charge data in the first currency unit based on the information on the exchange rate and the charge information received from the charge payment receiving device; Charge output means for outputting the charge in the first currency unit based on the calculation result of the data calculation means; and charge information for transmitting the charge information together with the settlement request information to the settlement support institution via a communication line. Transmission means, and payment notification information receiving means for receiving, via a communication line from the payment support organization, payment notification information for notifying that the payment between the store and the payment support organization has been completed. Characteristic mobile information terminal. 7. A store that sells goods or provides services in a second currency unit different from the first currency unit used by the user in a normal life, and the user purchases the store. A mobile information terminal used when performing payment via a payment support organization for payment of a fee for a product or a service received by the user, wherein a fee for the product or the service is received from a fee payment receiving device of the store. Charge information receiving means for receiving the charge information related to the charge information, charge information transmission means for transmitting the charge information to the settlement support institution via a communication line, and the first Charge data receiving means for receiving data of the charge in the first currency unit obtained based on information on the current exchange rate between the currency unit and the second currency unit; A charge output means for outputting the charge in the first currency unit based on a calculation result of the data calculation means; a settlement request information transmitting means for transmitting settlement request information to the settlement support institution via a communication line; And a settlement notification information receiving means for receiving, via the communication line from the settlement support organization, settlement notice information for notifying that the settlement between the store and the settlement support organization has been completed. Mobile information terminal. 8. A program to be executed by a computer used in the settlement information processing system according to claim 3, 4, or 5, wherein the program causes the computer to function as each unit in the settlement information processing system. 9. A program executed by a computer used in the mobile information terminal according to claim 6 or 7, wherein the program causes the computer to function as each unit in the mobile information terminal. 10. The first one that a user uses in normal life
When a user purchases a product or receives a service at a store that sells or provides services in a second currency unit different from the currency unit of the product, the user purchases the product or the service. A payment method for performing payment through a payment support institution using a mobile information terminal owned by the user for payment of a fee for a service received by the user, the payment support institution comprising: Is an institution that manages and operates communication by the mobile information terminal owned by the mobile information terminal. The mobile information terminal includes a charge information relating to a charge of the product or the service and the first currency unit and the second currency unit. Calculating the data of the fee in the first currency unit based on the information on the current exchange rate in the mobile information terminal; Outputting; transmitting the charge information together with the settlement request information from the mobile information terminal to the settlement support institution via a communication line; and The payment of the goods or the service for the second
Processing the settlement in units of currency, and settlement notification information for notifying the mobile information terminal from the settlement support organization via a communication line that the settlement between the store and the settlement support organization has been completed. And after the settlement between the store and the settlement support institution is completed, the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal. Processing the payment in the first currency unit for the payment of the fee for the goods or the service from the user to the payment support institution based on the above. 11. The first one that a user uses in normal life
When a user purchases a product or receives a service at a store that sells or provides services in a second currency unit different from the currency unit of the product, the user purchases the product or the service. A payment method for performing payment through a payment support institution using a mobile information terminal owned by the user for payment of a fee for a service received by the user, the payment support institution comprising: Transmitting and receiving the charge information relating to the price of the product or the service from the mobile information terminal to the settlement support organization via a communication line; and A support institution based on the fee information received from the mobile information terminal and information on a current exchange rate between the first currency unit and the second currency unit; Calculating the charge data in the first currency unit; and transmitting the charge data in the first currency unit from the settlement support institution to the mobile information terminal via a communication line. Outputting at the mobile information terminal the charge in the first currency unit; transmitting payment request information from the mobile information terminal to the payment support institution via a communication line; In the institution, the payment of the price of the goods or the service from the settlement support institution to the store is the second
Processing the settlement in units of currency, and settlement notification information for notifying the mobile information terminal from the settlement support organization via a communication line that the settlement between the store and the settlement support organization has been completed. And after the settlement between the store and the settlement support institution is completed, the transaction contract information previously exchanged with the user and the fee information received from the mobile information terminal. Processing the payment in the first currency unit for the payment of the fee for the goods or the service from the user to the payment support institution based on the above. 12. The settlement method according to claim 10, wherein the settlement support institution has transaction contract information previously exchanged between the user and the store. .