JP2014167751A - Portable terminal and payment reception terminal - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make an electronic payment based upon an other's portable terminal by a user's own portable terminal together with an electronic payment by the user's own portable terminal without operating the other's portable terminal.SOLUTION: A portable terminal (10a) receives an other's payment ID (30b) from an other's portable terminal (10b) and stores the other's payment ID together with a user's payment ID (30a). When electronic payments are made, the user's payment ID (30a) and the other's payment ID (30b) are transmitted from a register terminal 500.

Description

  The present invention relates to a portable terminal having an electronic payment function and a payment accepting terminal for receiving an electronic payment by the portable terminal.

  In recent years, mobile terminals such as mobile phones and smartphones having functions of electronic payment and non-contact IC cards are known. The portable terminal is installed in a store, a station, or the like, and can perform electronic payment via contactless communication such as a cash register terminal that accepts electronic payment and a POS (Point-Of-Sale) terminal via contactless communication. Specifically, the portable terminal stores electronic payment information for performing the electronic payment, and performs electronic payment by exchanging the electronic payment information with the payment receiving terminal.

  Here, as inventions for exchanging information stored in an IC card or the like, inventions according to Patent Documents 1 and 2 are disclosed. Patent Document 1 describes an invention that enables a service providing application in an IC card to be used by a plurality of business operators. Patent Document 2 describes an invention for authenticating stored value card data between a user and a central processor.

Japanese Unexamined Patent Publication No. 2004-102784 (published on April 02, 2004) JP 2010-182320 A (published on August 19, 2010)

  For example, when an acquaintance requests shopping, an acquaintance often receives a payment in advance. In addition, when a plurality of people eat and drink at a restaurant, the secretary often receives a price from a person other than himself and collects the received price and his / her own price as a food and drink fee.

However, if you try to do these things using the electronic payment function of your mobile device,
It is necessary to receive a portable terminal from a person other than the acquaintance or the secretary. In this case, a person other than the acquaintance or the secretary cannot use his / her portable terminal until settlement is completed, and convenience is impaired. Furthermore, it is problematic from the viewpoint of privacy and security to transfer own mobile terminals storing personal information to others.

  The present invention has been made in view of the above-mentioned problems, and the object thereof is to receive electronic payment based on the other person's portable terminal together with electronic payment based on the own portable terminal without receiving the other person's portable terminal. It is to provide a portable terminal that can be collectively implemented with its own portable terminal.

  A portable terminal according to an aspect of the present invention is a portable terminal including an electronic payment unit that performs electronic payment by transmitting payment information of the terminal itself to the payment receiving terminal that receives the electronic payment via non-contact communication. In order to solve the above-described problem, a storage unit that stores payment information of the terminal itself and a receiving unit that receives payment information of another terminal from the other terminal and stores the information in the storage unit are provided. The electronic settlement means further performs electronic settlement by transmitting settlement information of the other terminal stored in the storage unit to the settlement acceptance terminal via the non-contact communication. It is said.

  According to an aspect of the present invention, electronic payment based on the payment information of the terminal is performed by transmitting the payment information of the terminal stored in the storage unit to the payment reception terminal via non-contact communication. be able to. Furthermore, by receiving the payment information of the other terminal from the other terminal in advance and storing it in the storage unit, and transmitting the stored payment information of the other terminal to the payment acceptance terminal via non-contact communication The electronic payment based on the payment information of other terminals can be performed. Accordingly, the electronic payment of the own terminal and the electronic payment of the other terminal can be performed collectively by the own terminal, and there is an effect that the reception of the other terminal becomes unnecessary.

1 is a diagram showing a schematic configuration of an electronic settlement system according to an embodiment of the present invention. It is a functional block diagram which shows schematic structure of the portable terminal in the said electronic payment system. It is a functional block diagram which shows schematic structure of the cash register terminal in the said electronic payment system. It is a figure which shows the information transmitted / received by the said electronic payment system in a table format. It is a sequence diagram which shows the flow of the process performed with the said electronic payment system. It is a sequence diagram which shows the flow of the process performed in the electronic payment system which concerns on other embodiment of this invention.

Embodiment 1
Hereinafter, an embodiment of the present invention will be described in detail with reference to FIGS.

[Configuration of Electronic Payment System 1]
FIG. 1 is a diagram showing a schematic configuration of an electronic payment system 1 according to the present embodiment. As shown in the figure, the electronic payment system 1 includes portable terminals 10a to 10c, a cash register terminal 500, and a payment server 600.

  The portable terminals 10a to 10c are portable information processing apparatuses having functions of electronic payment and a non-contact IC card, and are typically mobile phones, smartphones, tablet PCs, and the like. The mobile terminals 10a to 10c store payment IDs 30a to 30c, respectively, as payment information for the terminal to perform electronic payment. In addition, since each portable terminal 10a-10c is provided with a common function, below, when designating without distinguishing any of portable terminal 10a-10c, it only calls the portable terminal 10. FIG. Similarly, the settlement IDs 30a to 30c are simply referred to as settlement ID 30.

  FIG. 1A shows a situation in which the mobile terminals 10b and 10c lend their settlement IDs 30b and 30c to the mobile terminal 10a. As described above, the mobile terminal 10 according to the present embodiment has a function of lending the settlement ID 30 stored in the mobile terminal 10 to another mobile terminal. Further, the mobile terminal 10 has a function of borrowing the settlement ID 30 of another mobile terminal. Therefore, according to the mobile terminal 10 of the present embodiment, by exchanging the payment IDs 30 with each other, it is possible to perform the electronic payment for the other person or to perform the electronic payment for itself. As a result, user convenience is improved. In addition, it is not necessary to give his / her own mobile terminal 10 to another person or to receive his / her own mobile terminal 10.

  As a result of borrowing the settlement IDs 30b and 30c, the mobile terminal 10a holds the settlement IDs 30b and 30c of other terminals in its own terminal in addition to the settlement ID 30a of its own terminal, as shown in FIG. And the portable terminal 10a can implement electronic payment collectively in the cashier terminal 500 using three payment ID30a-30c. Note that the electronic payment processing between the cashier terminal 500 and the payment server 600 can be realized by existing technology.

  The electronic payment system 1 may include an automatic ticket gate installed at a station instead of the cash register terminal 500 installed at a store or the like. The electronic payment system 1 is assumed to be a server-type electronic money payment system, but the present invention can also be applied to a prepaid electronic money payment system that does not include the payment server 600.

[Configuration of mobile terminal 10]
FIG. 2 is a functional block diagram showing a schematic configuration of the mobile terminal 10 (10a) according to the present embodiment. FIG. 2 also shows the mobile terminal 10b, the mobile terminal 10c, the cash register terminal 500, and the settlement server 600 in addition to the mobile terminal 10 (10a).

  As illustrated in FIG. 2, the mobile terminal 10 according to the present embodiment includes a control unit 11, a communication unit 12, a storage unit 13, an operation unit 14, a display unit 15, and a non-contact communication unit 16. Furthermore, although not illustrated, the portable terminal 10 includes various components that are normally provided in a portable terminal such as a smartphone, such as an audio input unit, an audio output unit, a broadcast wave reception unit, and a GPS (Global Positioning System) reception unit. You may have.

  The control unit 11 performs overall control of the mobile terminal 10 and can be configured by, for example, a CPU (Central Processing Unit). The control unit 11 controls each of the communication unit 12, the storage unit 13, the operation unit 14, the display unit 15, and the non-contact communication unit 16. The detailed configuration of the control unit 11 will be described later.

  The communication unit 12 is a communication interface for the mobile terminal 10 (10a) to communicate with other mobile terminals 10b and 10c via a communication network. Examples of the communication interface include IrDA, wireless LAN, and Bluetooth (registered trademark).

  The storage unit 13 is configured by a nonvolatile storage device such as a flash memory, and particularly stores the settlement ID table 60. The settlement ID table 60 includes at least a settlement ID 30a as the settlement ID of the mobile terminal 10 (10a). In addition, the storage unit 13 is an area configured by a volatile storage device such as a RAM (Random Access Memory) as a work area for temporarily storing data in the process of executing various programs by the control unit 11. You may have.

  The operation unit 14 receives an operation of the user of the mobile terminal 10 and is typically a physical key, a keyboard, a touch panel, or the like.

  The display unit 15 includes a flat display panel such as a liquid crystal panel or an organic EL panel, and displays information, images, and the like processed by the mobile terminal 10. The display unit 15 may be configured to serve as the operation unit 14 as a touch panel.

  The non-contact communication unit 16 is a communication interface for the mobile terminal 10 to communicate with the cash register terminal 500. For example, when the mobile terminal 10 is placed on the reader / writer of the cash register terminal 500, the non-contact communication unit 16 transmits / receives various data to / from the cash register terminal 500 by NFC (Near Field Communication).

  Next, the configuration of the control unit 11 will be described in detail. The control unit 11 includes a local terminal ID transmission unit 20, another terminal ID acquisition unit 21, and an electronic payment control unit 22.

  The own terminal ID transmission unit 20 reads the payment ID 30 a of the own terminal from the payment ID table 60 and transmits it to other portable terminals via the communication unit 12. In addition to the payment ID 30a, the own terminal ID transmission unit 20 has a function of transmitting information indicating a condition for using the payment ID 30a (hereinafter referred to as a condition set 35) to another mobile terminal. You may have. Details of the condition set 35 will be described later. The own terminal ID transmission unit 20 further receives designation of the type of electronic payment service, an account, and the like via the operation unit 14, reads the settlement ID 30 corresponding to the designation from the storage unit 13, and receives other portable information. You may have the function to transmit to a terminal.

  The other terminal ID acquisition unit 21 receives the settlement ID 30 of another portable terminal via the communication unit 12 and stores it in the settlement ID table 60. The other terminal ID acquisition unit 21 receives a condition set 35 indicating a condition for using the settlement ID 30 from the other portable terminal, in addition to the settlement ID 30 of the other portable terminal. And a function of storing in the settlement ID table 60 may be provided. In the present embodiment, as shown in FIG. 2, the mobile terminal 10 a receives the settlement IDs 30 b and 30 c and the corresponding condition sets 35 b and 35 c from the mobile terminals 10 b and 10 c in advance and stores them in the settlement ID table 60. Suppose you are.

  Here, the condition set 35 will be described. The condition set 35 is information for restricting the right to use the payment ID 30 when the mobile terminal 10 lends the payment ID 30 to another mobile terminal. The mobile terminal 10 can restrict the settlement activity of the loan-destination user by transmitting the condition set 35 together with the settlement ID 30. Thereby, it is possible to prevent the settlement ID 30 from being misused or misused.

  In the present embodiment, it is assumed that the conditions indicated by the condition set 35 are a usage frequency limit and a usage amount limit. That is, when the usage count of the settlement ID 30 has reached the above usage count limit, or when the usage amount of the settlement ID 30 has reached the above usage amount limit, the mobile terminal 10 The settlement ID 30 is invalidated.

  Note that the conditions indicated by the condition set 35 are not limited to the above-mentioned usage frequency limit and the above-mentioned usage amount limit, and may be, for example, a condition that limits the time, store, area, product, etc. in which the settlement ID 30 can be used. .

  The electronic payment control unit 22 controls processing for the mobile terminal 10 to perform electronic payment with the cash register terminal 500. The electronic settlement control unit 22 includes at least an ID selection unit 40 and an ID transmission unit 43. Furthermore, as illustrated, the electronic payment control unit 22 may include a use condition determination unit 41, a permission acquisition unit 42, a payment result acquisition unit 44, and a payment result notification unit 45.

  The ID selection unit 40 selects one or more IDs out of the settlement IDs 30 a to 30 c based on the user operation received by the operation unit 14. For example, when the settlement ID 30b is selected via the operation unit 14, the ID selection unit 40 notifies the use condition determination unit 41 that the settlement ID 30b has been selected.

  The use condition determining unit 41 reads the condition set 35 (for example, the condition set 35b) corresponding to the selected settlement ID 30 (for example, the settlement ID 30b) from the storage unit 13, and the restriction indicated by the condition set 35 is satisfied at present. It is determined whether or not it has been done. If the restriction is not satisfied, the use condition determination unit 41 sets the selected settlement ID 30 to be invalid. For example, the use condition determining unit 41 determines whether or not the current use count of the settlement ID 30b has reached the number limit indicated by the condition set 35b. Further, it is determined whether or not the current usage amount of the settlement ID 30b has reached the amount limit indicated by the condition set 35b. When the number limit has been reached, or when the amount limit has been reached, the use condition determination unit 41 sets the settlement ID 30b to invalid. On the other hand, when the settlement ID 30b satisfies the number of times limit and the amount limit, the use condition determination unit 41 notifies the permission acquisition unit 42 and / or the ID transmission unit 43 of the determination result.

  The permission acquisition unit 42 obtains permission to use the settlement ID 30. The processing content of the permission acquisition unit 42 will be described in detail separately in another embodiment.

  The ID transmission unit 43 is executed when the user of the mobile terminal 10 performs payment at the cash register terminal 500, and transmits the selected settlement ID 30 to the cash register terminal 500 via the non-contact communication unit 16. .

  The payment result acquisition unit 44 is executed after the payment processing by the cashier terminal 500 and the payment server 600 is completed, and shows an electronic payment result by the selected payment ID 30 via the non-contact communication unit 16. Information (hereinafter referred to as payment result information) is acquired from the cashier terminal 500.

  The settlement result notification unit 45 transmits the settlement result information to the mobile terminals 10b and 10c via the communication unit 12. At this time, the settlement result notifying unit 45 may update the condition set 35 of the selected settlement ID 30 based on the settlement result information. For example, when a settlement is performed, the settlement result notifying unit 45 decreases the number of times limit of the condition set 35 by 1, and reduces the amount of money paid by the amount limit of the condition set 35.

[Configuration of cash register terminal 500]
FIG. 3 is a functional block diagram showing a schematic configuration of the cash register terminal 500 according to the present embodiment. In addition to the cash register terminal 500, the portable terminals 10a to 10c and the settlement server 600 are shown in FIG.

  As illustrated in FIG. 3, the cash register terminal 500 according to the present embodiment includes at least a control unit 501, a non-contact communication unit 502, an operation unit 503, a display unit 504, a storage unit 505, and a communication unit 506. It is. The functions of the operation unit 503 and the display unit 504 are the same as the functions of the operation unit 14 and the display unit 15 of the mobile terminal 10 shown in FIG.

  The control unit 501 controls the entire cashier terminal 500 and can be configured by a CPU or the like, for example. The control unit 501 controls each of the non-contact communication unit 502, the operation unit 503, the display unit 504, the storage unit 505, and the communication unit 506. The detailed configuration of the control unit 501 will be described later.

  The non-contact communication unit 502 is a communication interface for the cashier terminal 500 to communicate with a communication terminal such as the mobile terminal 10, and has a communication function by NFC, for example.

  The storage unit 505 is configured by a non-volatile storage device, and stores settlement information, amount information, and the like. Further, the storage unit 505 may have an area configured by a volatile storage device such as a RAM as a work area for temporarily storing data in the course of execution of various programs by the control unit 501. Good.

  The communication unit 506 is a communication interface for the cashier terminal 500 to communicate with the settlement server 600 via a communication network. Examples of the communication interface include Ethernet (registered trademark).

  Next, the configuration of the control unit 501 will be described in detail. The control unit 501 includes an amount setting unit 510, a settlement ID acquisition unit 511, a settlement information transmission unit 512, a settlement result acquisition unit 513, and a settlement result notification unit 514.

  An amount setting unit 510 sets an amount for electronic payment based on a user operation received by the operation unit 503. For example, the price of a product, a food and drink fee, etc. are set as the amount of money. The set amount is transmitted to the payment information transmitting unit 512.

  The settlement ID acquisition unit 511 acquires the settlement ID 30 transmitted from the mobile terminal 10 (the mobile terminal 10a in FIG. 3) via the non-contact communication unit 502. The acquired settlement ID 30 is transmitted to the settlement information transmission unit 512.

  The payment information transmitting unit 512 associates the set amount with the acquired payment ID 30 via the communication unit 506 and transmits the payment amount to the payment server 600. Thereafter, settlement processing is performed by the settlement server 600.

  The settlement result acquisition unit 513 acquires settlement result information indicating the result of the settlement process by the settlement server 600 from the settlement server 600 via the communication unit 506. The settlement result information is information indicating that “1000 yen” has been subtracted from the balance of the settlement ID 30, for example. The settlement result information is transmitted to the settlement result notification unit 514.

  The settlement result notification unit 514 sends the settlement result to the mobile terminal 10 (the mobile terminal 10a in FIG. 3) corresponding to the settlement ID 30 acquired by the settlement ID acquisition unit 511 via the non-contact communication unit 502. Information is transmitted.

[Processing flow of electronic payment system 1]
With reference to FIG.4 and FIG.5, the flow of the process in the electronic payment system 1 is demonstrated. FIG. 4 is a diagram showing information transmitted and received in the electronic settlement system 1 in a table format. FIG. 5 is a sequence diagram showing an example of the flow of processing executed in the electronic payment system 1.

  In the example of FIG. 4 and FIG. 5, when three people, a user A who owns the mobile terminal 10 a, a user B who owns the mobile terminal 10 b, and a user C who owns the mobile terminal 10 c, pay for food and drink at a restaurant, A situation is assumed where the user A pays on behalf of one person.

  First, the users B and C lend the settlement ID 30 of their own terminal to the user A. That is, the own terminal ID transmission unit 20 of the portable terminals 10b and 10c transmits the payment IDs 30b and 30c of the own terminal and the corresponding condition sets 35b and 35c to the portable terminal 10a, respectively (M1 and M2). As a result, part or all of the right for electronic payment is transferred from the mobile terminals 10b and 10c to the mobile terminal 10a. As a result, the settlement ID table 60 of the mobile terminal 10a is updated from (a) in FIG. 4 to (b) in FIG. As shown in the figure, the usage conditions indicated by the condition sets 35b and 35c are both a “one-time” number limit and a “2,500 yen” amount limit.

  Here, the user A moves to the cash register terminal 500 to perform payment, and pays 1000 yen for three IDs to a user who operates the cash register terminal 500 (hereinafter referred to as “clerk”). Tell. In response to this request, the store clerk operates the cash register terminal 500 to set the payment ID 30 so that “1000 yen” can be paid. Here, the money amount setting unit 510 of the cashier terminal 500 sets “1000 yen” as the money amount to be deducted from the balance of the settlement ID 30 as shown in FIG. 4C (S3).

  On the other hand, the user A operates the portable terminal 10a and selects the first ID for electronic payment. Here, the ID selection unit 40 of the mobile terminal 10a effectively sets one settlement ID 30 to be used for electronic settlement among the settlement ID 30a of its own terminal and the settlement IDs 30b and 30c of other terminals (S1). ). Hereinafter, as shown in FIG. 4B, it is assumed that the settlement ID 30 a of the terminal itself is selected by the ID selection unit 40 as the first settlement ID 30.

  Subsequently, the use condition determining unit 41 determines whether or not the condition indicated by the condition set 35 associated with the selected settlement ID 30 is satisfied (S2). This time, the settlement ID 30a is selected in S1. Here, the settlement ID 30a is an ID possessed by the user A, and the function can be used without limitation. Accordingly, there is no condition set 35 associated with the settlement ID 30a. For this reason, this time is determined as Yes in S2.

  When it determines with Yes in S2, the ID transmission part 43 transmits selected payment ID30 (namely, payment ID30a) to the cashier terminal 500 (M3). At this time, the data of the cashier terminal 500 is updated from (c) of FIG. 4 to (d) of FIG.

  The cashier terminal 500 requests the payment server 600 for payment processing as follows (M4). That is, the payment information transmitting unit 512 of the cashier terminal 500 associates “1000 yen” set in S3 with the received payment ID 30a, and transmits it to the payment server 600.

  Then, the settlement server 600 performs a settlement process (S4). In the settlement process, the settlement server 600 deducts “1000 yen” from the balance of the settlement ID 30a. However, when the remaining amount of the settlement ID 30a is less than “1000 yen”, the settlement process becomes an error and is not performed. Here, it is assumed that a charge of 3000 yen or a usage limit is set in advance for the settlement IDs 30a to 30c (see (e) of FIG. 4). Therefore, the current payment process is successful, and the payment information in the payment server 600 is updated from (e) in FIG. 4 to (f) in FIG.

  Subsequently, the payment server 600 transmits to the cashier terminal 500 payment result information including at least information indicating that the payment process has been successful or information indicating that the payment process has ended (hereinafter referred to as error information). (M5, (g) of FIG. 4). Further, the settlement result notifying unit 514 of the cashier terminal 500 transmits the settlement result information acquired from the settlement server 600 to the mobile terminal 10a (M6).

  The settlement result notification unit 45 of the mobile terminal 10a determines whether or not to notify the settlement result to the other mobile terminal 10 based on the transmitted settlement result information. Since the settlement ID 30a of the own terminal is used this time, the settlement result is not notified to the other mobile terminals 10b and 10c.

  The electronic settlement using the first ID (settlement ID 30a) is thus completed.

  Next, the cashier terminal 500 is again set in a state in which payment of “1000 yen” is possible using the settlement ID 30 based on the operation of the store clerk (S7).

  Then, the user A selects a second ID for electronic payment (S5). Hereinafter, it is assumed that the ID selection unit 40 selects the settlement ID 30b received from another terminal as the second ID.

  Subsequently, the use condition determining unit 41 determines whether or not the condition indicated by the condition set 35b corresponding to the selected settlement ID 30b is satisfied (S6). It is assumed that the condition set 35b is an amount limit indicating that “up to 2500 yen” can be used, and a number limit indicating that “only once” can be used. This time, the payment is “1000 yen” and is the first payment using the payment ID 30b, and thus is within the limits of the amount limit and the number of times limit. Therefore, it determines with Yes in S6.

  Then, the mobile terminal 10a performs electronic payment via communication with the cashier terminal 500. Electronic payment is performed in the same manner as the case described above with the payment ID 30a. That is, the mobile terminal 10a transmits the payment ID 30b to the cash register terminal 500 (M7), and the cash register terminal 500 requests the payment server 600 for payment processing (M8). The settlement server 600 performs a settlement process (S8), and transmits settlement result information of the settlement process to the cashier terminal 500 (M90). The cashier terminal 500 transmits the payment result information to the mobile terminal 10a (M10).

  Then, the settlement result notifying unit 45 of the mobile terminal 10a determines whether or not to notify the settlement result to the other mobile terminal 10 based on the received settlement result information. Since the settlement ID 30b of another mobile terminal is used for electronic settlement this time, the settlement result is notified to the mobile terminal 10b (M11).

  At this time, the settlement result notifying unit 45 also executes processing for updating the condition set 35b. This time, an electronic settlement of “1000 yen” was carried out using the settlement ID 30b. Therefore, the settlement result notifying unit 45 sets “1500 yen”, which is the remaining amount obtained by subtracting “1000 yen” from “2500 yen” that is the amount limit of the condition set 35b, as the updated amount limit.

  Also, the number limit “one time” is decreased to “0 times”. At this time, since the limit on the number of payment IDs 30b is “0”, the payment ID 30b cannot be used in the mobile terminal 10a thereafter. As a result, the settlement ID table 60 of the mobile terminal 10a is updated as shown in (h) of FIG.

  In the settlement server 600, when the balance of the settlement ID 30b is less than “1000 yen”, the settlement process is not performed as described above. In this case, since the payment result information includes at least error information indicating that the payment process has failed, the payment result notification unit 45 detects error information from the payment result information and does not update the condition set 35b. .

  The electronic payment using the second ID (settlement ID 30b) is thus completed.

  Hereinafter, electronic payment using the payment ID 30c, which is the third ID, is performed (after S9). The case of the settlement ID 30c is performed in the same manner as the settlement IDs 30a and 30b, and the description thereof is omitted.

<< Embodiment 2 >>
Hereinafter, another embodiment of the present invention will be described in detail with reference to FIG. In addition, about the member similar to embodiment mentioned above, the same code | symbol is attached | subjected and the description is abbreviate | omitted.

  The cash register terminal 500 and the settlement server 600 according to the above-described embodiment have a conventional configuration. Accordingly, the cashier terminal 500 is not configured to receive a plurality of settlement IDs 30 simultaneously. For this reason, the user (user A) of the portable terminal 10a needs to select and send the payment IDs 30 one by one to the cashier terminal 500 as shown in the process of FIG. It seems to be annoying.

  Therefore, the electronic payment system 1 according to the present embodiment includes a cash register terminal 1000 having a function of receiving a plurality of payment IDs 30 from the mobile terminal 10 at a time. For this reason, the mobile terminal 10a can transmit all the settlement IDs 30a to 30c to the cashier terminal 1000 at the same time, and perform electronic settlement using each ID. For this reason, the trouble of the user A is reduced and an electronic payment can be performed easily.

[Processing flow of electronic payment system 1]
With reference to FIG. 6, the flow of processing in the electronic settlement system 1 will be described. FIG. 6 is a sequence diagram illustrating an example of a flow of processing executed in the electronic payment system 1. The situation of the users A to C of the mobile terminals 10a to 10c is the same situation as FIG. 5, that is, the situation where the user A represents the food and beverage charges at the restaurant.

  First, as described above, the users B and C lend their terminal IDs to the user A. (M31, M32).

  On the other hand, the user A tells the store clerk that he / she pays 1,000 yen at a time with three IDs. The cashier terminal 1000 accepts the operation of the store clerk and is set in a state where payment of “1000 yen” is possible using the three settlement IDs 30 (S33).

  Next, the user A selects all IDs. That is, the ID selection unit 40 of the mobile terminal 10a selects all the settlement IDs 30a to 30c and sets them to be valid (S31).

  Then, the use condition determining unit 41 refers to the condition set 35 corresponding to the selected settlement IDs 30a to 30c, and determines whether or not all ID conditions are satisfied (S32). That is, it is determined whether or not the condition sets 35b and 35c corresponding to the settlement IDs 30b and 30c of the other terminals are satisfied. When the conditions of all the selected payment IDs 30 are satisfied (Yes in S32), the mobile terminal 10a transmits the payment IDs 30a to 30c to the cash register terminal 1000 (M33).

  Then, the cashier terminal 1000 requests the payment server 600 for payment processing. Unlike the cash register terminal 1000, the settlement server 600 may have a conventional configuration. For this reason, the cashier terminal 1000 associates one of the received payment IDs 30a to 30c (for example, the payment ID 30a) with the set amount of “1000 yen” to the payment server 600. Transmit (M34). When the settlement processing by the settlement server 600 is completed (S34), the cash register terminal 1000 receives a settlement result notification (M35).

  Subsequently, the cashier terminal 1000 associates the second settlement ID 30 (for example, settlement ID 30b) with the set amount “1000 yen” and transmits it to the settlement server 600 (M36). . Thereafter, the same settlement process using the settlement ID 30b is performed between the cashier terminal 1000 and the settlement server 600 (S35, M37). Also, for the third settlement ID 30 (for example, settlement ID 30b), the same settlement process as when using the two settlement IDs 30 described above between the cashier terminal 1000 and the settlement server 600. (M38, S36, M39). In this way, the cashier terminal 1000 sequentially transmits the payment IDs 30a to 30c received from the mobile terminal 10a to the payment server 600 one by one.

  When all the payment processes using the payment IDs 30a to 30c are completed, the cashier terminal 1000 transmits payment result information to the mobile terminal 10a (M40). Finally, the settlement result notification unit 45 of the mobile terminal 10a notifies the settlement result to each of the mobile terminals 10b and 10c based on the settlement result information (M41, M42).

  Thus, according to the cash register terminal 1000 according to the present embodiment, the mobile terminal 10a can perform electronic payment at a time using the payment IDs 30a to 30c including the borrowed payment IDs 30b and 30c.

<< Embodiment 3 >>
Hereinafter, other embodiments of the present invention will be described. In addition, about the member similar to embodiment mentioned above, the same code | symbol is attached | subjected and the description is abbreviate | omitted.

  The mobile terminal 10 according to the present embodiment includes the permission acquisition unit 42 illustrated in FIG. 2 as an essential configuration. The permission acquisition unit 42 obtains permission to use the settlement ID 30 selected by the ID selection unit 40 from the lending source mobile terminal 10.

  For example, when the settlement ID 30 b is selected by the ID selection unit 40, the permission acquisition unit 42 communicates with the mobile terminal 10 b that is the lending source of the settlement ID 30 b via the communication unit 12. And the permission acquisition part 42 requests | requires the use permission for paying a price with ID 30b for payment with respect to the portable terminal 10b.

  At this time, when use permission is obtained from the mobile terminal 10b, the permission acquisition unit 42 sets the settlement ID 30b to be valid. The ID transmitting unit 43 can use the payment ID 30b that is set to be valid in electronic payment.

  On the other hand, when the mobile terminal 10b gives an instruction not to use (or when no response is obtained from the mobile terminal 10b for a certain period of time), the permission acquisition unit 42 sets the settlement ID 30b to invalid. The ID transmission unit 43 cannot use electronic payment for the payment ID 30b set to invalid.

  As described above, according to the permission acquisition unit 42 according to the present embodiment, the final confirmation for using the settlement IDs 30b and 30c can be performed on the lending source mobile terminals 10b and 10c. As a result, the payment IDs 30b and 30c can be prevented from being misused or misused, and unintended electronic payments can be prevented from being implemented for the users of the lending source mobile terminals 10b and 10c. .

≪Example of implementation by software≫
The control block (particularly the own terminal ID transmission unit 20 and the other terminal ID acquisition unit 21) of the mobile terminal 10 may be realized by a logic circuit (hardware) formed in an integrated circuit (IC chip) or the like, or a CPU It may be realized by software using (Central Processing Unit).

  In the latter case, the mobile terminal 10 includes a CPU that executes instructions of a program that is software that realizes each function, a ROM (Read Only Memory) in which the program and various data are recorded so as to be readable by a computer (or CPU), or A storage device (these are referred to as “recording media”), a RAM (Random Access Memory) that expands the program, and the like are provided. And the objective of this invention is achieved when a computer (or CPU) reads the said program from the said recording medium and runs it. As the recording medium, a “non-temporary tangible medium” such as a tape, a disk, a card, a semiconductor memory, a programmable logic circuit, or the like can be used. The program may be supplied to the computer via an arbitrary transmission medium (such as a communication network or a broadcast wave) that can transmit the program. The present invention can also be realized in the form of a data signal embedded in a carrier wave in which the program is embodied by electronic transmission.

[Summary]
The portable terminal according to the first aspect of the present invention is a portable terminal including an electronic payment unit that performs electronic payment by transmitting the payment information of the terminal itself to the payment receiving terminal that receives the electronic payment via non-contact communication. A storage unit that stores payment information of the terminal itself; and a reception unit that receives the payment information of another terminal from the other terminal and stores the information in the storage unit. Further, electronic payment is performed by transmitting the payment information of the other terminal stored in the storage unit to the payment accepting terminal via the non-contact communication.

  According to said structure, the electronic payment based on the payment information of an own terminal can be performed by transmitting the payment information of the own terminal memorize | stored in the memory | storage part to the said payment reception terminal via non-contact communication. . Furthermore, by receiving the payment information of the other terminal from the other terminal in advance and storing it in the storage unit, and transmitting the stored payment information of the other terminal to the payment acceptance terminal via non-contact communication The electronic payment based on the payment information of other terminals can be performed. Accordingly, the electronic payment of the own terminal and the electronic payment of the other terminal can be performed collectively by the own terminal, and there is no need to receive the other terminal.

  The mobile terminal according to aspect 2 of the present invention is the mobile terminal according to aspect 1, wherein the receiving means further receives, from the other terminal, condition information of the other terminal indicating use conditions of the payment information of the other terminal. Stored in the storage unit, the electronic payment means refers to the condition information of the other terminal, determines whether the payment information of the other terminal is usable, and based on the determination result, Preferably, the payment information is transmitted to the payment acceptance terminal. In this case, since the payment information of other terminals that do not satisfy the use conditions is not used, misuse and misuse of electronic payments of other terminals can be prevented.

  In the mobile terminal according to aspect 3 of the present invention, in the aspect 1 or 2, the electronic payment unit transmits a request for permission to use the payment information for the other terminal to the other terminal, and the other terminal It is preferable to transmit the payment information of the other terminal to the payment receiving terminal when the permission is received from. In this case, since the payment information of other terminals for which permission has not been obtained is not used, misuse and misuse of electronic payments of other terminals can be prevented.

  The portable terminal according to aspect 4 of the present invention preferably includes a transmission unit that transmits the payment information of the terminal stored in the storage unit to another terminal in any of the aspects 1 to 3. . In this case, the electronic payment of the own terminal can be performed by another terminal.

  A mobile terminal according to aspect 5 of the present invention is a mobile terminal including an electronic payment unit that performs electronic payment by transmitting information for payment of the terminal itself to the payment accepting terminal that receives electronic payment via non-contact communication. Then, the storage unit for storing the payment information of the own terminal and the payment information of the own terminal stored in the storage unit are transmitted to the other terminal so that the other terminal performs electronic payment of the own terminal. Transmitting means.

  According to said structure, the payment information of an own terminal can be transmitted to another terminal, the electronic payment of an own terminal can be performed in another terminal, and the convenience improves.

  A payment acceptance terminal according to aspect 6 of the present invention is a payment acceptance terminal that accepts electronic payment by receiving payment information from a mobile terminal via non-contact communication, and a plurality of payment information from the mobile terminal. The electronic payment based on the payment information is performed by transmitting each of the reception means that continuously receives the payment information and the plurality of payment information received by the reception means to the corresponding payment server. Transmitting means.

  According to the above configuration, a plurality of payment information is continuously received from the mobile terminal, and an electronic payment based on each of the received plurality of payment information is performed. Therefore, the payment information is received and the received payment information is received. Compared with a case where electronic payment based on information is performed and this is repeated a plurality of times, the number of operations for electronic payment is reduced, and convenience is improved.

  Each portable terminal from the first aspect to the fifth aspect of the present invention may be realized by a computer. In this case, the portable terminal is made to operate by operating the computer as each means included in the portable terminal. The control program for the portable terminal realized by the above and a computer-readable recording medium on which the control program is recorded also fall within the scope of the present invention.

  In addition, the payment acceptance terminal according to aspect 6 of the present invention may be realized by a computer. In this case, the payment acceptance terminal is operated by a computer by causing the computer to operate as each means included in the payment acceptance terminal. A control program for the settlement acceptance terminal to be realized and a computer-readable recording medium on which the control program is recorded also fall within the scope of the present invention.

  The mobile terminal control method according to aspect 7 of the present invention includes a mobile terminal including an electronic payment step of performing electronic payment by transmitting the payment information of the terminal via contactless communication to a payment receiving terminal that accepts electronic payment. A terminal control method, comprising: a receiving step of receiving payment information of another terminal from the other terminal and storing the information together with payment information of the own terminal in a storage unit; Electronic settlement is performed by transmitting settlement information of the other terminal stored in the storage unit to the settlement acceptance terminal via the non-contact communication. According to said method, there can exist an effect similar to the said aspect 1. FIG.

  A mobile terminal control method according to an aspect 8 of the present invention includes a mobile terminal provided with an electronic payment unit that performs electronic payment by transmitting payment information of the terminal itself to the payment receiving terminal that receives the electronic payment via non-contact communication. A terminal control method includes a transmission step of transmitting the payment information of the terminal stored in the storage unit to the other terminal in order to cause the other terminal to perform electronic payment of the terminal. According to said method, there can exist an effect similar to the said aspect 5. FIG.

  A method for controlling a payment accepting terminal according to aspect 9 of the present invention is a method for controlling a payment accepting terminal that accepts electronic payment by receiving payment information from a portable terminal via non-contact communication. A receiving step for continuously receiving a plurality of pieces of payment information, and sending each of the plurality of pieces of payment information continuously received in the receiving step to the corresponding payment server And a transmission step for performing electronic payment based on. According to said method, there can exist an effect similar to the said aspect 6. FIG.

  The present invention is not limited to the above-described embodiments, and various modifications are possible within the scope shown in the claims, and embodiments obtained by appropriately combining technical means disclosed in different embodiments. Is also included in the technical scope of the present invention. Furthermore, a new technical feature can be formed by combining the technical means disclosed in each embodiment.

  The present invention can be applied to a mobile terminal having a function of performing electronic payment, and in particular, a smartphone, a tablet PC, a mobile phone, a digital camera, a game machine, an electronic dictionary, an electronic book reader, a PDA (Personal Digital Assistant), and the like. It can be suitably applied to.

1 Electronic payment system 10 (10a, 10b, 10c) Mobile terminal 13 Storage unit 16 Non-contact communication unit 20 Own terminal ID transmission unit (transmission means)
21 Other terminal ID acquisition unit (reception means)
22 Electronic payment controller (electronic payment means)
30 (30a, 30b, 30c) Settlement ID
35 (35b, 35c) Condition set (condition information)
40 ID selection unit 41 Usage condition determination unit 42 Permission acquisition unit 43 ID transmission unit 44 Settlement result acquisition unit 45 Settlement result notification unit 60 Settlement ID table 500, 1000 Cash register terminal (Payment acceptance terminal)
502 Non-contact communication unit 510 Amount setting unit 511 Settlement ID acquisition unit (receiving means)
512 Payment information transmission unit (transmission means)
513 Settlement result acquisition unit 514 Settlement result notification unit 600 Settlement server

Claims (5)

A mobile terminal equipped with electronic payment means for carrying out electronic payment by transmitting information for payment of its own terminal to the payment receiving terminal for receiving electronic payment via non-contact communication,
A storage unit for storing payment information of the terminal itself;
Receiving means for receiving payment information of another terminal from the other terminal and storing it in the storage unit;
The electronic payment means further performs electronic payment of the other terminal by transmitting the payment information of the other terminal stored in the storage unit to the payment accepting terminal via the non-contact communication. A featured mobile terminal. The receiving means further receives the condition information of the other terminal indicating the use condition of the settlement information of the other terminal from the other terminal and stores it in the storage unit,
The electronic payment means refers to the condition information of the other terminal, determines whether the payment information of the other terminal is usable, and sets the payment information of the other terminal based on the determination result to the payment acceptance terminal The mobile terminal according to claim 1, wherein the mobile terminal is transmitted to the mobile terminal.   When the electronic payment means transmits a request for permission to use the payment information of the other terminal to the other terminal and receives permission from the other terminal, the electronic payment means sends the payment information of the other terminal to the payment receiving terminal. The mobile terminal according to claim 1, wherein the mobile terminal is transmitted to the mobile terminal.   The mobile terminal according to any one of claims 1 to 3, further comprising a transmission unit configured to transmit the payment information of the terminal stored in the storage unit to another terminal. A payment accepting terminal that accepts electronic payment by receiving payment information from a mobile terminal via non-contact communication,
Receiving means for continuously receiving a plurality of payment information from the mobile terminal;
Transmission means for performing electronic payment based on the payment information by transmitting each of the plurality of payment information continuously received by the receiving means to a corresponding payment server. Payment acceptance terminal.

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