JP7193191B2 - Multi electronic payment system - Google Patents

Description

TECHNICAL FIELD The present invention relates to technology for users to make electronic payments using communication devices, and in particular, to reduce the economic burden on business operators while expanding the range of types of electronic payments available to users and/or allowing users to Relating to technology that enables comprehensive electronic settlement of composite charges consisting of multiple types of individual charges, and/or technology that provides certain goods or services or movable property or real estate to users, especially the provision thereof The present invention relates to an improvement in technology in which the user pays for the payment by electronic payment.

Systems that provide users with some kind of goods or services or movable or immovable property are already prevalent. An example of a system that provides certain types of goods to users is a vending machine. Throughout this application, the term "offer" means, for example, an assignment, lease, or other act, whether gratuitous or for a fee.

An example of a certain type of service is a service of renting a rental object, which is real estate or movable property, to a user. Specifically, an example of a rental object as real estate is a rental space such as a rental seat or a parking lot, and an example of a rental object as movable property is a means of transportation such as a rental bicycle or a rental car.

More specifically, rental properties as real estate include, for example, lodging facilities where users can stay for a short period of time (e.g., hotel rooms, private residences temporarily rented to others, shared housing, etc.). room) or accommodation facility where the user can stay for a long period of time (e.g., individual house, condominium, etc.), coin locker, parking lot (e.g., parking lot with one or more compartments), individual parking space (eg, each of multiple compartments in a parking lot).

Rental objects as personal property include, for example, land, water, or flying vehicles (e.g., rental cars, rental bicycles, etc.), rental furniture, rental clothes, rental electrical products (including audio guide devices described later), and electrical products. There are rental accessories that are detachably attached (eg, batteries or chargers), and rental recording media (eg, CDs) on which audiovisual content is recorded that can be played by users.

Here, taking the parking lot business as an example, some conventional examples of systems for providing certain goods or services to users will be described with particular attention to payment methods.

In Patent Document 1, electronic payment (also called “smartphone payment”, which corresponds to, for example, credit card payment) can be handled, but cash payment and prepaid IC card payment (simply called “card payment”) are also supported. ) discloses an incompatible parking management system.

This system includes a server installed outside the parking lot that can communicate with a user's mobile terminal, and an exit restriction device installed in the parking lot that communicates with the server or the user's mobile terminal to communicate with the server or the user's mobile terminal. controlled by Throughout the present specification, the "outgoing restriction device" physically restricts the vehicle entering the parking lot from leaving the parking lot until the payment by the user is completed, and when the payment by the user is completed , and is also called a delivery permission device.

Patent Literature 2 discloses a parking lot management system that can handle only cash or card payments, that is, can handle non-electronic payments.

This system includes a fare adjustment machine installed in the parking lot (a device that enables users to make non-electronic payments) and an exit restriction device installed in the parking lot and controlled by the fare adjustment machine. and a server installed outside the parking lot, which is capable of communicating with the payment machine, not with the mobile terminal of the user.

Patent Document 3 discloses a parking lot management system that can handle both non-electronic payment and electronic payment. This system consists of a ticket issuing machine installed in the parking lot that enables non-electronic payment, and a management server installed outside the parking lot that communicates with the user's mobile terminal to enable electronic payment by the user. It is equipped with In this case, the management server is managed by the same company that manages the parking lot. Therefore, in this system, the ticket issuing machine and the management server are under the control of the same company.

On the other hand, electronic payment systems have already been proposed in which users make electronic payments using communication devices. Patent Literature 4 discloses an electronic money settlement apparatus capable of electronic settlement with a plurality of types of electronic money.

Japanese Patent No. 6401849 JP 2016-045916 A JP 2018-173965 A JP 2014-119807 A

Electronic payment is becoming popular as a payment method for providing goods or services, movable property, or real estate to users. On the other hand, there are still users who want non-electronic payment.

By the way, after building a system exclusively for non-electronic payments, it is not possible to modify the hardware configuration of the system at least partially to support electronic payments in order to meet the demand for electronic payments. It is possible. However, in that case, there is a risk that the burden of repairing the system will increase.

In addition, even if a certain system is compatible with electronic payment, if the type of electronic payment that the system can handle and the type of electronic payment that the user can use do not match, the user cannot select the type of electronic payment. The system cannot be used solely because of a mismatch in This limits the range of systems available to users.

Further, according to the technology disclosed in Patent Document 4, the range of types of electronic payment that can be used by users is expanded. However, with the conventional technology disclosed in this document, business operators need to newly manufacture and operate a dedicated management system in order to deal with multiple types of electronic payments.

Therefore, in such conventional technology, in order to promote the realization of a cashless circulation society, when trying to improve user convenience by expanding the range of electronic payment types that can be used by users, business operators It is an obstacle that the fixed cost and operating cost that must be borne by the company will increase.

In addition, if the consideration for providing one event, service, or product to one user includes multiple types of fees corresponding to multiple payment destinations, in the conventional technology, the user's communication equipment You are forced to access a dedicated management server for each payee to make electronic payments.

Therefore, in the conventional technology, in the user experience of making such payments, the burden imposed on the user when the user operates the communication device to make the electronic payment is large, thus improving the user's convenience. there is room for

Against the background of such circumstances, the present invention provides a technology for users to make electronic payments using a communication device, which reduces the economic burden on business operators and provides a wide range of electronic payments available to users. and/or to enable users to comprehensively electronically pay composite charges consisting of multiple types of individual charges, and/or certain goods or services or In the technology for providing movable property or real estate to users, improving the technology in which the user pays for the provision by electronic payment, or the payment system that cannot support a certain payment method while suppressing the additional burden. The purpose of this is to make it possible to modify the settlement system to one compatible with the settlement system by using another settlement system compatible with the system.

In order to solve the problem, according to one aspect of the present invention, the consideration for one purchase activity unit that the user purchases a plurality of purchase items at the same store is paid to a plurality of payees that do not necessarily match. In the case where a user is billed as a combined payment charge for a single payment that includes a plurality of individual charges, the user may send a single electronic payment request for the multiple individual charges belonging to the combined payment charge using a communication device. A multi-electronic payment system that makes it possible to collectively make electronic payments with the issuance of
a plurality of management servers for each payee;
a selection server installed between a user's communication device and the plurality of management servers and commonly installed in the management servers, thereby making the management servers available to the user by networking them for multi-electronic payment. ,
The selection server receives electronic payment information about the combined payment fee from the communication device in response to a single electronic payment request from the communication device of the user, and is a relationship representing the relationship between the purchase item and the payee. One of the plurality of management servers is selected for each payment destination based on information including information and the type of electronic payment that the user desires to use, and electronic payment is sent to each of the selected management servers. transmitting a payment request together with purchase item related payment information corresponding to a purchase item corresponding to a payment destination corresponding to each of the selected management servers among the electronic payment information;
When receiving the electronic payment request and the corresponding purchase item-related payment information from the selected server, each management server selected for each payment destination receives the electronic payment request and the corresponding purchase item related payment information from the corresponding payment server. A multi-electronic payment system is provided for individually making an electronic payment request for a charge to be paid to a payee corresponding to each of the selected management servers, among the plurality of individual charges, for a charge that can be handled by the payment. be.

In addition, according to an aspect of the present invention, there are a plurality of transportation costs for each section of use for the user to transfer between a plurality of means of transportation and move in a plurality of sections of use from the departure point to the destination point, and the costs do not necessarily match. When a user is billed as a compound payment fee for one time to be paid to a plurality of payees, a plurality of transportation expenses belonging to the compound payment fee are collectively requested to be electronically settled using the user's communication device. A multi-electronic payment system that enables you to
a plurality of management servers for each payee;
a selection server installed between a user's communication device and the plurality of management servers and commonly installed in the management servers, thereby making the management servers available to the user by networking them for multi-electronic payment. ,
The selection server receives electronic payment information about the compound payment fee from the communication device in response to a single electronic payment request from the communication device of the user and represents the relationship between the usage section and the payee. One of the plurality of management servers is selected for each payment destination based on information including section information, an electronic payment request is sent to each of the selected management servers, and the selected electronic payment information is processed. together with payment information related to the usage section corresponding to the payment destination corresponding to each management server,
When each management server selected for each payment destination receives the electronic payment request and the corresponding payment section-related payment information from the selection server, it sends the plurality of transportation expenses to the corresponding one or more payment servers. A multi-electronic payment system is provided in which individual electronic payment requests are made for those to be paid to payees corresponding to each of the selected management servers.

In addition, according to one aspect of the present invention, in order for the user to receive a plurality of services that enable the user to transfer a plurality of modes of transportation and move in a plurality of utilization sections from a departure point to a destination point, the plurality of It is possible to prepay a plurality of transportation expenses corresponding to a plurality of corresponding use sections to one or more transportation operating entities that operate each of the transportation facilities of each by electronic payment using the user's communication device A multi-electronic payment system for
A plurality of payment servers, regardless of whether or not the types of electronic payments that can be handled by each server completely match each other;
One of the plurality of payment servers that is capable of communicating with a communication device of a user who desires electronic payment with an arbitrary transportation operator as a payment destination, and based on electronic payment information received from the user's communication device. or a settlement route selection server that selects a plurality of settlement servers as target settlement servers,
When the plurality of transportation facility operating entities that provide the plurality of services do not match each other, the plurality of transportation facility operating entities are combined for payment of the plurality of transportation fees, thereby , the plurality of transportation fees constitute a compound payment fee;
When the composite payment fee is configured, the electronic payment information includes the type of electronic payment that the user desires to use, information specific to the user that enables the electronic payment, and the plurality of usage intervals. It is configured to include usage section information that represents the relationship with a plurality of transportation facility operating entities that respectively correspond to those usage sections,
The payment route selection server,
When the composite payment fee is configured, when the electronic payment information is received from the user's communication device, a plurality of transportation facility operating entities corresponding to the plurality of usage sections are specified based on the received electronic payment information. a server selection unit that selects, from among the plurality of payment servers, a plurality of payment servers associated with the identified plurality of transportation facility operating entities as a plurality of target payment servers;
a request transmitting unit configured to transmit an electronic payment request to each of the plurality of selected target payment servers when one electronic payment request is received from the user's communication device when the composite payment fee is configured;
When the multiple payment charges are configured, the plurality of selected target payment servers receive respective electronic payment requests from the payment route selection server, and perform multi-electronic payment for the composite payment charges comprehensively. A payment system is provided.

Further, according to an aspect of the present invention, in order for the user to receive a plurality of services that enable the user to transfer a plurality of modes of transportation and move in a plurality of utilization sections from a starting point to a destination point, the plurality of It is possible to prepay a plurality of transportation expenses corresponding to a plurality of corresponding use sections to one or more transportation operating entities that operate each of the transportation facilities of each by electronic payment using the user's communication device A multi-electronic payment system for
A plurality of payment servers, regardless of whether or not the types of electronic payments that can be handled by each server completely match each other;
A plurality of management servers that respectively manage these payment servers, each of which is operated by the plurality of transportation facility operating entities, regardless of whether or not the types of electronic payments that can be handled by each of them completely match each other. The type of electronic payment that can be supported is common between the corresponding payment servers, and
It is commonly connected to these management servers as a server separate from those management servers, and is capable of communicating with the communication equipment of users who wish to make electronic payments to any transportation facility management entity as a payment destination, and also communicates with the communication equipment of users. selecting one or more target management servers from among the plurality of management servers based on the electronic payment information received from the a payment route selection server that selects one or more target payment servers corresponding to the server;
When the plurality of transportation facility operating entities that provide the plurality of services do not match each other, the plurality of transportation facility operating entities are combined for payment of the plurality of transportation fees, thereby , the plurality of transportation fees constitute a compound payment fee;
When the composite payment fee is configured, the electronic payment information includes the type of electronic payment that the user desires to use, information specific to the user that enables the electronic payment, and the plurality of usage intervals. It is configured to include usage section information that represents the relationship with a plurality of transportation facility operating entities that respectively correspond to those usage sections,
The payment route selection server,
When the composite payment fee is configured, when the electronic payment information is received from the user's communication device, a plurality of transportation facility operating entities corresponding to the plurality of usage sections are specified based on the received electronic payment information. a server selection unit that selects, from among the plurality of management servers, a plurality of management servers operated by the identified plurality of transportation facility management entities as a plurality of target management servers;
a request transmitting unit configured to transmit an electronic payment request to each of the plurality of selected target management servers when one electronic payment request is received from the user's communication device when the composite payment fee is configured;
When the plurality of selected target management servers receive the respective electronic payment requests from the payment route selection server when the composite payment fee is configured, the plurality of selected target management servers use the corresponding plurality of payment servers to perform the composite payment. A multi-electronic payment system is provided that includes an electronic payment unit for comprehensive electronic payment of payment fees.

In an exemplary embodiment of this multi-electronic payment system, the server selection unit selects one of the plurality of management servers based on the usage interval information included in the electronic payment information received from the user's communication device. , which is configured to select a plurality of target management servers operated by a plurality of transportation facility operating entities that respectively manage the plurality of utilization sections.

Also, according to one aspect of the present invention, there is provided a multi-electronic payment system comprising:
A plurality of payment servers, regardless of whether or not the types of electronic payments that can be handled by each server completely match each other;
a plurality of management servers that respectively manage these payment servers, which are operated by different business operators, and whether or not the types of electronic payments that can be handled by each correspond completely to each other; The type of electronic payment that can be handled is common among the corresponding payment servers, and each management server is used for a system that provides certain goods or services, movable property, or real estate to users. ,
A payment route selection server that is commonly connected to these management servers as a server separate from those management servers and that can communicate with the communication equipment of users who wish to make electronic payments to any business operator. When an electronic payment request and electronic payment information are received from a communication device, from the received electronic payment information, the business operator who is the payment destination for the user is specified, and the specified business operator is selected from the plurality of management servers. selecting one operated by the operator and sending the electronic payment request to the selected management server;
When the selected management server receives the electronic payment request from the payment route selection server, the selected management server executes electronic payment desired by the user by communicating with the payment server assigned to the management server,
A multi-electronic payment system is provided in which a multi-electronic payment communication network that can be used by users is constructed by connecting the plurality of management servers to the payment route selection server in common.

Also, according to the first aspect of the present invention, there is provided a multi-electronic payment system comprising:
There are multiple payment servers, and the types of electronic payments that can be handled by these payment servers do not completely match each other;
and a plurality of management servers used for systems that provide certain goods or services or movable or immovable property to users;
Those management servers
A plurality of deemed management servers that respectively manage the plurality of settlement servers, and although the types of electronic settlements that can be handled by the deemed management servers do not completely match each other, the corresponding settlement servers between the types of electronic payments that can be supported are common to each other,
A payment route selection server that can communicate with a communication device of a user who desires any type of electronic payment as an actual management server that is commonly connected to the assumed management servers, wherein an electronic payment request and an electronic payment are sent from the communication device. When the information is received, the type of electronic payment that the user wishes to use is specified from the received electronic payment information, and the electronic payment that matches the specified electronic payment is selected from the plurality of deemed management servers. selecting a payment-capable one and sending an electronic payment request to any of the selected one or more deemed management servers;
When any of the selected one or more deemed management servers receives the electronic payment request from the payment route selection server, it communicates with the payment server assigned to the deemed management server to determine whether the user perform the desired electronic payment,
A multi-electronic payment system is provided in which a multi-electronic payment communication network that can be used by users is constructed by connecting the plurality of assumed management servers to the payment route selection server in common to the assumed management servers.

Also, according to a second aspect of the present invention, a multi-electronic payment system comprising:
A plurality of management servers, regardless of whether or not the types of electronic payments that can be handled by them completely match each other, and which are operated by different business operators. When,
A plurality of payment servers respectively assigned to the management servers and capable of communicating with the management servers, wherein the type of electronic payment that can be handled is common among the individual management servers assigned to the individual payment servers. things and,
A payment route selection server capable of communicating with a communication device of a user who desires electronic payment with an arbitrary business operator as a payment destination, wherein when an electronic payment request and electronic payment information are received from the communication device, the received electronic From the settlement information, the business operator who is the payment destination for the user is specified, one of the plurality of management servers is selected to be operated by the specified business operator, and one or more of the selected management servers are selected. sending an electronic payment request to a management server;
When the selected one or more management servers receive the electronic payment request from the payment route selection server, the electronic payment desired by the user is executed by communicating with the payment server assigned to the management server. ,
A multi-electronic payment system is provided in which a multi-electronic payment communication network that can be used by users is constructed by commonly connecting the plurality of management servers to the payment route selection server.

Also according to a third aspect of the present invention, a system for providing a user with some kind of goods or services or movable or immovable property, comprising:
Although the first type of payment by the user is possible, the system alone does not support the second type of payment, and the second type of payment that provides the user with goods or services of the same or different type as the system or movable property or real estate Execute a substitute payment mode in cooperation with a system that supports the second type of payment,
In the substitute payment mode, the user's communication device accesses the second system with or without a communication device different from the communication device, thereby performing the second type of payment. and thereafter, said second system communicates with said system, either through a communication device separate from said second system or not, whereby said system sends a settlement completion signal to said second system. A multi-electronic payment-enabled service provisioning system is provided that receives from.

In one example, the first type of payment includes at least non-electronic payment and the second type of payment includes at least electronic payment.

In another example, the first type of payment includes at least electronic payment, and the second type of payment also includes at least electronic payment.

Also according to the first aspect of the present invention, there is provided a system for providing a user with some kind of goods or services or movable or immovable property, comprising:
Non-electronic payment, which is cash payment or card payment by the user, is possible, but the system alone does not support electronic payment, and the system provides the user with the same or different goods or services or movable property or real estate. By cooperating with the system of 2 that supports electronic payment, a simulated electronic payment mode is executed,
In the simulated electronic payment mode, the user's communication terminal accesses the second system via a communication device separate from the communication terminal or not, thereby performing electronic payment, and then The second system communicates with the system, with or without a communication device separate from the second system, whereby the system receives a settlement completion signal from the second system. An electronic payment compatible service providing system is provided.

According to this system, a payment system that is not compatible with electronic payment is modified into a payment system that is compatible with electronic payment while suppressing additional burden by using another payment system that is compatible with electronic payment. becomes easier.

Also according to a second aspect of the present invention, a system for providing certain goods or services or movable or immovable property to a user, comprising:
Non-electronic payment, which is cash payment or card payment by the user, is possible, and the system alone executes a non-electronic payment mode that does not support electronic payment, and in the non-electronic payment mode, the user performs non-electronic payment. ,
The system executes a pseudo-electronic payment mode by cooperating with the system and a second system that provides the user with goods or services of the same or different kind, movable property or real estate and that is compatible with electronic payment. death,
The second system executes an electronic payment mode corresponding to electronic payment by itself on the condition that the user is a member of the second system, and in the electronic payment mode, a communication terminal of a user communicating with the second system, thereby making an electronic payment, after which the second system sends a payment completion signal to the communication terminal;
In the simulated electronic payment mode, the user's communication terminal, while the user pretends to be a member of the second system, or actually becomes a member of the second system, uses a different communication terminal from the user's communication terminal. Accessing said second system, with or without a communication device, thereby making an electronic payment, and then said second system via a communication device different from said second system. An electronic payment-enabled service provisioning system is provided in which the system communicates with the system with or without it, whereby the system receives a payment completion signal from the second system.

According to this system, a payment system that is not compatible with electronic payment is modified into a payment system that is compatible with electronic payment while suppressing additional burden by using another payment system that is compatible with electronic payment. becomes easier.

Also according to a third aspect of the present invention, a system for providing certain goods or services or movable or immovable property to a user, comprising:
Although the first type of electronic payment by the user is possible, the system alone does not support the second type of electronic payment, and the system provides the user with goods or services of the same or different type, movable property or real estate. performing a substitute electronic payment mode in cooperation with a system of 2 that enables said second type of electronic payment by a user;
in the substitute electronic payment mode, the user's communication terminal accesses the second system, with or without another communication device, thereby making the second type of electronic payment; An electronic payment-enabled service providing system in which the second system communicates with the system with or without another communication device, whereby the system receives a payment completion signal from the second system. is provided.

According to this system, even if the type of electronic payment available to the user does not match the type of electronic payment that the system can handle without relying on the second system, the first By cooperating with the system of 2, the type of electronic payment that the user can use matches the type of electronic payment that the system can simulate, and the user can use the system. . Thus, according to this system, as a result, the types of electronic payments that can be handled by the system are increased.

That is, according to this system, by using a payment system that is not compatible with a certain payment method, and using another payment system that is compatible with that payment method, it is possible to support that payment method while suppressing additional burden. It becomes easy to modify the payment system.

Also according to a fourth aspect of the present invention, a system for providing certain goods or services or movable or immovable property to a user, comprising:
the system is capable of supporting non-electronic payments on its own but not electronic payments, or is capable of supporting alone, at least, limited types of electronic payments;
a user's communication terminal;
In the normal payment mode, including a payment machine or a payment machine for the user to pay with a payment method that the system can handle independently,
The system operates in conjunction with a plurality of second systems, each of which provides the user with the same or different goods or services or movable or immovable property with respect to payment procedures;
Each of these second systems can support at least one type of electronic payment, and the types of electronic payments supported by these second systems do not completely match between them,
The system is
a determination unit that, when the communication terminal receives an electronic payment request from a user, determines the type of electronic payment specified by the electronic payment request;
If the type of electronic payment specified by the user does not match any of the types of electronic payment supported by the system, the communication terminal covers the type of electronic payment specified by the user among the plurality of second systems. a selection unit that selects as a substitute system any second system that
When the substitute system is selected, the communication terminal accesses the substitute system, with or without another communication device, in the substitute electronic payment mode, thereby allowing the substitute system to access the system. a substitute payment unit that performs the user-designated electronic payment on behalf of
The substitute system communicates with the payment machine or payment machine of the system, with or without another communication device, whereby the payment machine or payment machine of the system transmits a payment completion signal to the substitute system. An electronic payment-enabled service provision system is provided that receives from.

According to this system, if the type of electronic payment available to the user does not match the type of electronic payment supported by the system, the type of electronic payment available to the user is selected from among the plurality of second systems. is automatically selected, and the selected second system functions as a means of payment for the system, so that the system simulates the types of electronic payments available to the user. can be handled.

As a result, the system can support virtually any type of electronic payment that can be used by the user in a pseudo manner, thereby improving the convenience of the user in the payment procedure.

That is, according to this system, not only one type of electronic payment is realized, but so-called multi-payment is realized in which multiple types of electronic payments are simulated in the same system.

The present invention provides the following aspects. Each aspect is divided into sections, each section is numbered, and the numbers of other sections are referred to as necessary. This is to facilitate understanding of some of the technical features that can be employed by the present invention and combinations thereof, and the technical features that can be employed by the present invention and combinations thereof are limited to the following aspects. should not be interpreted as That is, it should be construed that the technical features described in the present specification, which are not described in the following aspects, are appropriately extracted and employed as the technical features of the present invention.

Furthermore, it should be noted that stating each paragraph in a format that refers to the numbers of other paragraphs does not necessarily prevent the technical features described in each paragraph from being separated and independent from the technical features described in other paragraphs. It should be construed that the technical features described in each section can be made independent as appropriate according to their nature.

(1) A system that provides some kind of goods or services or movable or immovable property to users,
a payment machine that enables non-electronic payments, which are cash payments or card payments, by a user;
an optionally present management server communicable with the payment machine;
The system does not support electronic payment by itself, but is compatible with a second system that provides users with goods or services of the same type or different from the system, or movable or real estate, and supports electronic payment. By cooperating, we will implement a pseudo-electronic payment mode,
The second system comprises:
a second management server capable of communicating with a user's communication terminal;
a payment server that enables electronic payment by a user and is communicable with the second management server;
In the pseudo electronic payment mode, the system is configured such that the user's communication terminal is connected to another communication device (for example, if the system has the management server, the , for example, its management server) to access the second management server via or not via, thereby performing electronic payment using the payment server.

(2) A system that provides any kind of goods or services or movable or immovable property to users,
a payment machine that enables non-electronic payments, which are cash payments or card payments, by a user;
an optionally present management server communicable with the payment machine;
The system alone executes a non-electronic payment mode that does not support electronic payment, and in the non-electronic payment mode, the user performs non-electronic payment using the payment machine,
The system performs a pseudo electronic payment mode in cooperation with a second system that provides the user with goods or services of the same or different kind or movable or real estate,
The second system comprises:
a second management server capable of communicating with a user's communication terminal;
a payment server that enables electronic payment by a user and is communicable with the second management server;
The second system executes an electronic payment mode corresponding to electronic payment by itself on the condition that the user is a member of the second system, and in the electronic payment mode, the communication terminal of the user communicates with the second management server, thereby performing electronic payment using the payment server, and then the second management server transmits a payment completion signal to the communication terminal;
In the pseudo electronic payment mode, the system is configured so that the user's communication terminal is connected to another communication device (for example, when the system has the management server) while the user is pretending to be a member of the second system. accesses said second management server, e.g., via or without its management server), thereby performing electronic payment using said payment server, after which said second management server An electronic payment-enabled service providing system that communicates with the payment machine with or without a separate communication device, whereby the payment machine receives a payment completion signal.

(3) The service includes a service that lends a user a space for parking a vehicle including a bicycle, an automobile or a motorcycle and/or a service that lends a vehicle including a bicycle, an automobile or a motorcycle to a user (1 ) or the electronic payment service providing system according to item (2).

(4) The service includes a service that lends the user a space for parking a vehicle, including a bicycle, an automobile, or a motorcycle, in a parking lot;
The system further:
The exit permission device physically restricts the vehicle entering the parking lot from exiting the parking lot until the payment by the user is completed, and physically permits the vehicle to exit the parking lot when the payment by the user is completed. , including those controlled by the fare adjustment machine,
The service providing system for electronic payment according to item (3), wherein the payment machine transmits a delivery permission signal to the delivery permission device upon receiving the payment completion signal.

(5) The service rents to the user a plurality of compartments selected by the user, which are a plurality of spaces for the user to park vehicles including bicycles, automobiles or motorcycles in a parking lot. including services to
The system further:
The communication terminal of the user specifies the parking lot when the pseudo electronic payment mode is selected by the user in the entry stage in which the vehicle enters the selected compartment or in the exit stage in which the vehicle leaves the compartment. acquire a combination of information for identifying the selected passenger compartment and information for identifying the selected passenger compartment, and include a spoofing member ID for accessing the second system as a member of the second system in the combination. Electronic payment according to any one of items (1) to (4), including impersonation access means for accessing said second system via said management server or not using said impersonated member ID. Responsive service delivery system.

(6) Furthermore,
When the pseudo electronic payment mode is selected by the user, the communication terminal of the user acquires the user ID of the user or information uniquely corresponding to the user, and stores the user ID or the information in the second system. assign a spoofed member ID for accessing the second system of the second system as a member of the second system, and use the spoofed member ID to access the second system with or without another communication device The electronic payment service providing system according to any one of items (1) to (4), including a spoofing access means for accessing .

(7) A program for causing a computer to function as a communication terminal in the electronic payment service providing system according to any one of (1) to (6).

Throughout this specification, the term "program" shall be construed to mean, for example, the combination of instructions executed by a computer to perform its function, and the combination of those instructions as well as each instruction. can be construed to include, but not be limited to, files and data processed according to.

In addition, this program may achieve its intended purpose by being executed by a computer by itself, or may achieve its intended purpose by being executed by a computer together with other programs. They can, but are not limited to. In the latter case, the programs under this section may be data-based, but are not so limited.

(8) A program for causing a computer to function as a management server in the electronic payment service providing system according to any one of (1) to (6).

(9) A program for causing a computer to function as a payment machine in the electronic payment service providing system according to any one of (1) to (6).

(10) A recording medium in which the program according to any one of (7) to (9) is computer-readable.

Throughout this specification, the term "recording medium" can be construed to mean various types of recording medium, such as, for example, magnetic recording media such as floppy disks. Optical recording media such as CDs and CD-ROMs, magneto-optical recording media such as MOs, non-removable storages such as ROMs, etc., but are not limited to them.

(11) A system that provides any kind of goods or services or movable or immovable property to users,
The first type of payment by the user (here, when simply referred to as "payment", it does not matter what kind of payment, such as cash payment, card payment, electronic payment, etc.) is possible. By cooperating with a second system that does not support the type of payment and provides the user with the same or different type of goods or services, movable property or real estate as the system and that supports the second type of payment, Run substitute payment mode,
In the substitute payment mode, the user's communication terminal accesses the second system via or without a communication device different from the communication terminal, thereby performing the second type of payment. and thereafter, said second system communicates with said system, either through a communication device separate from said second system or not, whereby said system sends a settlement completion signal to said second system. An electronic payment-enabled service provision system is provided that receives from.

Examples of combinations of "first type payment" and "second type payment" include a combination of non-electronic payment and electronic payment and a combination of first type electronic payment and second type electronic payment. .

FIG. 1 illustrates a parking management system according to an exemplary embodiment of the present invention, which alone cannot support electronic payments, is a second parking management system that alone supports electronic payments. It is a perspective view conceptually represented with a thing. FIG. 2 is a flowchart conceptually showing operations of the transmitter, the user's mobile terminal, and the management server in the second parking lot management system shown in FIG. 1, which are performed in the parking stage. FIG. 2 is a flowchart conceptually showing operations of the transmitter, the user's portable terminal, and the management server in the second parking lot management system shown in FIG. FIG. 4 shows three examples of communication procedures for making the parking lot management system shown in FIG. 1 compatible with electronic payment by partially using the second parking lot management system shown in the same figure. It is a block diagram. FIG. 5 shows the respective operations of the payment machine, user's mobile terminal and management server in the parking lot management system shown in FIG. 1, and the management server and payment server in the second parking lot management system. 4 is a flowchart conceptually representing what is done to execute a mode; FIG. 6 is an example of a communication procedure for making the parking lot management system shown in FIG. 1 compatible with electronic payment by partially using the second parking lot management system shown in FIG. is a block diagram showing a fourth communication procedure obtained by partially modifying the second communication procedure shown in FIG. FIG. 7 is a flowchart conceptually showing an example of a program executed by the parking lot management system shown in FIG. 1 according to the fourth communication procedure shown in FIG. FIG. 8 conceptually represents a program executed by the parking lot management system shown in FIG. 1 to simulate code reading settlement with the help of the second parking lot management system shown in FIG. It is a flow chart. FIG. 9 is a flow chart conceptually representing another example of a program executed by the parking lot management system shown in FIG. 1 according to the fourth communication procedure shown in FIG. FIG. 10 is a functional block diagram conceptually representing a multi-electronic payment system in accordance with another illustrative embodiment of the invention. FIG. 11 is a flowchart conceptually representing the operation of the multi-electronic payment system shown in FIG. FIG. 12 conceptually shows an example of electronic payment request-related information for the multi-electronic payment system shown in FIG. FIG. 13 is a flowchart conceptually representing one variation of the operation of the multi-electronic payment system shown in FIG. FIG. 14 conceptually shows an example of electronic payment request-related information for the multi-electronic payment system shown in FIG.

Below, some of the more specific exemplary embodiments of the present invention will be described in detail based on the drawings.

<Overall composition>

FIG. 1 illustrates a simulated electronic payment-enabled parking management system 10 (hereinafter simply referred to as "system 10") in accordance with an exemplary embodiment of the present invention, a second electronic payment-enabled parking management system. It is shown with system 110 (hereinafter simply "system 110"). System 10 is an example of an electronic payment compatible service providing system according to an embodiment of the present invention. The system 10 also implements a parking lot management method according to an embodiment of the present invention, which is an example of a method for providing pseudo-electronic payment-enabled services according to an embodiment of the present invention.

The system 10 performs a non-electronic payment mode that does not support electronic payment by itself. In the non-electronic payment mode, the user makes non-electronic payments using payment machine 30 in system 10 . An example of non-electronic payment is cash payment, and another example is prepaid IC card payment (also simply referred to as “card payment”).

Furthermore, the system 10 implements a pseudo-electronic payment mode in cooperation with a second system 110 that provides users with the same type of service as the system. In the pseudo electronic payment mode, the user uses his/her mobile terminal (an example of the communication terminal) 90 to perform electronic payment using the management server 140 and the payment server 160 in the second system 110 .

Throughout this application, electronic payment is also referred to as “smartphone payment (abbreviated as “smartphone payment”)” and means all kinds of payments made by the user using the mobile terminal 90 .

This electronic payment includes, for example, credit card payment, prepaid or postpaid electronic money payment, and a payment code such as a two-dimensional bar code such as a QR code (registered trademark) or a one-dimensional bar code that the user enters into the mobile terminal 90. is read by the camera, and the user or the user's credit card linked to the mobile terminal 90 or electronic money charged in advance by the user is used to pay the fee. Also referred to as “settlement” etc.).

In this embodiment, when the "code reading payment" is adopted as electronic payment, the "code reading payment" may be executed in a prepaid system or a postpaid system.

Based on the above definition, as a criterion for distinguishing between electronic payment and non-electronic payment, for example, payment performed by the user operating the mobile terminal 90 is electronic payment, and payment performed by the user operating the mobile terminal 90 is The criterion is that payments made without electronic payment are non-electronic payments. When adopting this criterion, the user's monetary value (monetary value) consumed for electronic payment is represented by cash existing in the user's bank account, or is prepaid to an individual virtual account by the user. It does not matter whether it is expressed by electronic money that is charged in a post-pay method or by electronic money.

This system 10 is a post-pay system that permits the user to leave the parking lot 20 on the condition that the user pays a post-paid parking fee corresponding to the length of time the user actually parked. However, instead of this, the system 10 allows the user to pay a prepaid parking fee corresponding to the length of the parking time desired by the user (for example, the scheduled parking time) before starting to use the parking lot 20. It is also possible to adopt a prepaid system that permits the user to use the parking lot 20 as a condition.

<Configuration of system 10>

Referring to FIG. 1, system 10 is a system for managing parking lot 20 . A plurality of compartments 22 are present in the parking lot 20 . One vehicle is parked in each compartment 22 . A leaving permission device 24 is installed for each compartment 22 .

As an additional remark about the definition of the term "vehicle", the term "vehicle" should be interpreted as a term that includes not only automobiles but also all kinds of moving bodies such as bicycles and motorcycles.

An example of the exit permitting device 24 is a vehicle presence/absence sensor (for example, a loop coil buried in the ground, a parking A photosensor installed so as to be exposed on the support surface of the vehicle 20) and a vehicle in the vehicle compartment 22 are allowed to exit (exit) the vehicle from the vehicle compartment 22 and to permit the vehicle to exit the vehicle. and a mechanical part having baffle plates (flaps, elevators, car stoppers, wheel stoppers, etc.) as movable members that switch to and from the leaving permitted state.

When the existence of a vehicle is detected by the vehicle presence/absence sensor, the mechanical unit causes the baffle plate to move up or incline, for example, to move to a parking exit blocking state. The board is lowered or leveled, for example, to shift to the exit permission state.

In this embodiment, the fare adjustment machine 30 is installed in common to the plurality of compartments 22 . The fare adjustment machine 30 communicates with the vehicle presence/absence sensor for each compartment 22, and monitors the presence/absence of a vehicle in each compartment 22 based on the signal from the vehicle presence/absence sensor. Furthermore, a fare adjustment machine 30 is installed in common to the plurality of exit permitting devices 24 . The fare adjustment machine 30 communicates with the mechanism unit for each vehicle compartment 22, and appropriately switches the mechanism unit between a parking exit permission state and a parking exit blocking state. The payment machine 30 may be mainly composed of a sequencer, or may be mainly composed of a computer.

In another example, a parking permitting device 24 is commonly installed in a plurality of compartments 22 . The exit permission device 24 has, for example, a mechanism for opening and closing a gate at the entrance of the parking lot 20 .

It should be noted that it is not essential to install the exit permitting device 24 in the parking lot 20 in order to carry out the present invention, and the present invention is applied to the parking lot 20 that does not have the exit permitting device 24, although it is a deferred payment type. It is possible.

This system 10 further has a management server 40 . This management server 40 is operated by a parking lot manager who manages the parking lot 20 on behalf of the owner who owns the parking lot 20, for example.

In the non-electronic payment mode, the management server 40 communicates (for example, wirelessly) only with the payment machine 30, thereby providing a function of remotely monitoring the operating status of the parking lot 20 in real time. Realize multiple functions including:

On the other hand, in the pseudo electronic payment mode, the management server 40 communicates (for example, , wireless communication), whereby the user can legally impersonate a member of the second system 110 and legally enter the second system 110, although the system 10 alone cannot accommodate electronic payments. access, thereby enabling multiple functions, including spoofed access capabilities that enable electronic payments.

<Configuration of mobile terminal 90>

The user's mobile terminal 90 is, for example, a device carried by the user and having a wireless communication function, such as a mobile phone, a smart phone, a laptop computer, a tablet computer, or a PDA. Moreover, the portable terminal 90 is an example of a user's communication terminal, and the communication terminal may be one that is not carried by the user, such as an in-vehicle communication terminal.

The mobile terminal 90 is mainly composed of a computer having a memory storing a processor and a plurality of applications executed by the processor.

The mobile terminal 90 further includes a display unit (for example, a liquid crystal display) for displaying information on the screen, a receiving unit for receiving signals from an external communication device, and a signal generator for generating a signal and transmitting the signal to an external communication device. and a transmitter for transmitting to the device.

This mobile terminal 90 further has an input unit for inputting data and commands from the user. The input unit has, for example, an operation unit that can be operated by the user to input desired information (eg, commands, data, etc.) to the mobile terminal 90 .

The controls may include a touch screen (means to allow manual entry of data) displaying some icons (e.g. virtual buttons) operable by the user, physical controls operable by the user. (e.g., a keyboard, keypad, buttons, etc., which allow for manual entry of data), voice-sensitive microphones (which allow for voice entry of data), etc. .

The mobile terminal 90 further includes a camera (more precisely, a digital camera, but it is understood as a kind of image sensor) that captures an image and converts the captured result into an electrical signal as another type of input unit. ). By using the camera, the mobile terminal 90 can capture not only landscapes, people, and other objects, but also codes such as QR codes (registered trademark) and bar codes, and numerical symbol strings that may or may not be encrypted. It becomes possible to take in as image data.

This mobile terminal 90 further has a GPS (Global Positioning System) receiver. A GPS receiver, as is well known, receives multiple GPS signals from multiple GPS satellites and triangulates the GPS receiver's terrestrial position (latitude, longitude and altitude) based on the GPS signals. measured by

<Configuration of Second System 110>

As shown in FIG. 1, the second system 110, like system 10, is configured to manage a postpaid parking lot 120. As shown in FIG. The parking lot 120 also has a plurality of compartments 122 .

In the parking lot 120, one transmitter 130 is commonly installed in a plurality of vehicle compartments 122. - 特許庁In another example, although not shown, a plurality of transmitters 130 less than the number of vehicle compartments 122 are installed in association with each of the plurality of vehicle compartment groups. In yet another example, although not shown, the same number of transmitters 130 as the vehicle compartments 122 are installed in each vehicle compartment 122 .

In the example shown in FIG. 1, one transmitter 130 is associated with one parking lot 120 and also with all vehicle compartments 122 . Thus, once the transmitter 130 is identified by the user's mobile terminal 190, the location of the parking lot 120 associated with it, i.e., the parking lot code (or parking lot ID) and existence of the parking lot 120 selected by the user. The location (place name, geographical location, etc.) is known, but the location of the single cabin 122 selected by the user is unknown.

Mobile terminal 190 has a configuration in common with mobile terminal 90 described above. Therefore, redundant description of the mobile terminal 190 will be omitted.

In this second system 110, the user can only select the electronic payment mode and not the non-electronic payment mode. In this embodiment, electronic payment is typically defined as a term meaning the above-mentioned credit card payment.

<Configuration of Transmitter 130>

Conceptually, transmitter 130 is a contactless or contact (proximity) communication device that emits an identification signal that may identify a unique transmitter code (or transmitter ID).

The user's portable terminal 190 exclusively receives the identification signal from the transmitter 130 in one direction and by the short-range wireless communication method. The distance at which the mobile terminal 190 can receive the signal from the transmitter 130, that is, the reception radius (for example, 0 m to about 50 m) is variably set on the mobile terminal 190 by software. The circled area with its radius of reception is called the coverage area or coverage area.

Transmitter 130 is normally installed immovably and fixedly in corresponding parking lot 120, but it is also possible to movably install it so that it can be moved at any time. Further, it is sufficient for the transmitter 130 to have at least a transmission function, but if necessary, it may be configured to have a reception function as well.

Next, to explain the operation method, the transmitter 130 actively, locally, and permanently transmits a unique identification signal without requiring an external trigger signal, unless the supply power is insufficient. do.

The transmitter 130 is generally a device that is also known as a beacon device that transmits a beacon signal as an identification signal, a radio beacon, and the like. In one example, the transmitter 130 modulates the original signal to generate an identification signal representing the corresponding transmitter code, and the generated identification signal is used as an IR signal, Bluetooth (registered trademark) signal, NFC (Near field communication) Locally transmitted as a signal or the like.

Next, to explain the hardware configuration without referring to the drawings, the transmitter 130 is mainly composed of a computer having a memory for storing a processor and a plurality of applications executed by the processor.

<Configuration of Management Server 140>

The second system 110 also has a management server 140 . This management server 140 communicates bi-directionally with a user's mobile terminal 190 using a long-distance wireless communication method.

To explain the hardware configuration without referring to the drawings, the management server 140 is mainly composed of a computer having a memory that stores a processor and a plurality of applications executed by the processor.

Specifically, the management server 140 includes a receiving section that receives signals from the portable terminal 190, a transmitting section that generates a signal and transmits the signal to the portable terminal 190, and a clock that measures the current time. have. This management server 140 does not directly receive data from the transmitter 130 , but actually receives data via the mobile terminal 190 .

<Operation of Second System 110>

Operation of the second system 110 will now be described with reference to FIGS.

<Storage stage>

First, referring to FIG. 2, the operation of the second system 110 in the parking stage in which the vehicle enters one of the compartments 122 will be described. When activated, first, the mobile terminal 190 sends a login request to the management server 140 together with the member ID indicating that the user is a member who is qualified to use the second system 110. Send to

In response to this, the management server 140 receives the login request together with the member ID in step S231, and then refers to the member database in the memory of the management server 140 in step S232 to obtain the current user's login request. is a regular member.

If the current user is a regular member, the determination in step S232 becomes YES, and in step S233, a login completion signal indicating login completion is returned to the mobile terminal 190 of the current user. If the current user is a regular member, the credit card number or bank account number associated with the user is pre-stored in the memory of the management server 140 in association with the user. On the other hand, if the current user is not a regular member, the determination in step S232 becomes NO, the process returns to step S231, and the input of the regular member ID is awaited.

After that, in step S211, the mobile terminal 190 receives the log-in completion signal, and at this timing executes step S212, thereby transmitting a signal from the transmitter 130 installed in the parking lot 120 where the user is currently. receive.

Subsequently, in step S213, the mobile terminal 190 extracts the transmitter code corresponding to the transmitter 130 from the signal received from the transmitter 130 this time. After that, in step S214, the mobile terminal 190 determines the extracted call according to the predetermined relationship between the transmitter code and the parking code stored in the memory of the mobile terminal 190. Convert the machine code to the corresponding parking lot code. As a result, the parking lot 120 in which the current user has entered is specified.

Subsequently, in step S215, the mobile terminal 190 displays a warehousing button on its own screen in order to confirm the user's intention of warehousing. When the user touches the entry button, it is determined that the user intends to enter, and in step S216, the entry request, the parking lot code, and the member ID are managed in association with each other. Send to server 140 . After that, in step S217, the mobile terminal 190 stores the current parking lot code in the memory of the mobile terminal 190 as the entering parking lot code for later reference.

In response to this, the management server 140 receives the entry request, the parking lot code, and the member ID in step S234 in association with each other, and then measures the current time by using the clock in step S235. . Thereafter, the management server 140 treats the measured current time as the warehousing time in step S236, and then stores the warehousing time in the memory of the management server 140 in association with the member ID in step S237. As a result, the member ID, the ID of the parking lot 20 and the entry time are associated with each other and stored in the memory of the management server 140 .

<Delivery stage>

Next, referring to FIG. 3, to describe the operation of the second system 110 in the leaving stage in which the vehicle leaves one of the compartments 122, the user's mobile terminal 190 first, in step S311, A signal is received from the transmitter 130 installed in the parking lot 120 where the user is currently located. Next, portable terminal 190 extracts the transmitter code corresponding to transmitter 130 from the signal received from transmitter 130 in step S312.

After that, in step S313, the mobile terminal 190 determines the extracted call according to the predetermined relationship between the transmitter code and the parking code stored in the memory of the mobile terminal 190. Convert the machine code to the corresponding parking lot code. As a result, the parking lot 120 where the current user is currently located, that is, the exit parking lot 120 from which the user wants to exit is specified.

Subsequently, in step S314, the mobile terminal 190 reads out the already stored incoming parking lot code from the memory of the mobile terminal 190, and the converted parking lot code, that is, outgoing parking lot code, matches each other. determine whether or not to If they match, the determination in step S314 becomes YES, and the process proceeds to step S315. If they do not match, the determination becomes NO, and the process returns to step S311 to wait for acquisition of a correct exit parking code.

Subsequently, in step S315, the mobile terminal 190 displays a delivery button on its own screen in order to confirm the user's intention to leave the garage. When the user touches the exit button, it is determined that the user intends to exit the garage.

In response to this, the management server 140 receives the exit request, the exit parking lot code, and the member ID in step S331 in association with each other. By determining whether or not the same combination as the above exists in the memory of the management server 140, it is determined whether or not the current user and the current parking lot 120 are authenticated as authorized ones.

After that, if the authentication succeeds, the management server 140 measures the current time using the clock in step S333. After that, the management server 140 treats the measured current time as the leaving time in step S334, and then, in step S335, the entering time stored in the memory of the management server 140 in association with the current member ID. is read from the memory, and the parking time is calculated by subtracting the parking time from the parking leaving time.

Thereafter, the management server 140, at step S336, according to the predetermined relationship between the length of parking time and the amount of the parking fee, which is stored in the memory of the management server 140, the calculated Calculate the parking fee corresponding to the length of parking time. Subsequently, the management server 140 transmits the calculated parking fee amount to the mobile terminal 190 of the user.

In response to this, the portable terminal 190 receives the parking fee amount in step S317, and then displays the parking fee amount on the screen in step S318.

On the other hand, after executing step S336, in step S337, the management server 140 sends a payment request for electronic payment of the parking fee to information necessary for electronic payment (for example, the above-mentioned credit card linked to the user). number or bank account number) to the settlement server 160.

In response to this, the payment server 160 receives the payment request in step S351, and then performs electronic payment according to the specified details in step S352. Subsequently, in step S353, the payment server 160 transmits to the management server 140 a payment completion signal indicating that the electronic payment has been completed.

In response to this, the management server 140 receives the payment completion signal in step S338, and then transmits a delivery permission signal (or payment completion signal) to the mobile terminal 190 in step S339.

On the other hand, in step S319, the mobile terminal 190 receives the exit permission signal (or the payment completion signal), and accordingly, since the parking fee has been paid electronically, the mobile terminal 190 cannot exit the parking lot 120 this time. The user will know that he/she has obtained the right to take out the goods.

<Operation of system 10>

<Storage stage>

To explain the operation of this system 10, in the parking stage in which a vehicle enters one of the compartments 22, when the corresponding vehicle presence/absence sensor detects the vehicle, a signal indicating that is sent to the fare adjustment machine 30. . The fare adjustment machine 30 measures the time at that time as the entry time, and records which compartment 22 entered at the entry time (associated with the compartment number). As a result, the entry time and the number of the vehicle compartment 22 (or the vehicle compartment ID) are linked.

The fare adjustment machine 30 further associates the entry time and the number of the vehicle compartment 22 (or the vehicle compartment ID) with each other and transmits them to the management server 40, and the management server 40 stores the data in association with each other. Thereby, the management server 40 can monitor the operation status of the parking lot 20 in real time. This management server 40 is configured to centrally manage a plurality of parking lots 20 so as to monitor the operation status of other parking lots 20 as well.

<Delivery stage>

<Non-electronic payment mode>

On the other hand, in the exiting stage in which the vehicle exits from one of the compartments 22, first, the user selects the non-electronic payment mode and the pseudo-electronic payment mode (these modes seem to the user to be (recognized as the electronic payment mode implemented).

When the user selects the non-electronic payment mode, the user inputs the number of his or her compartment 22 to the adjustment machine 30, and the adjustment machine 30 measures that time as the leaving time and records it. The parking time is calculated as the elapsed time from the entered time to the time of leaving the parking lot, and the deferred parking charge corresponding to the length is calculated.

When the user pays the parking fee to the adjustment machine 30 using cash or a prepaid card, the adjustment machine 30 switches the exit permission device 24 corresponding to the current compartment 22 from the exit blocking state to the exit permission state. . This allows the user to leave the vehicle from the current compartment 22 . As described above, in the leaving stage, the amount of the parking fee is specified by using the number of the compartment 22 input by the user to the adjustment machine 30 as a key.

<Pseudo electronic payment mode>

On the other hand, when the pseudo electronic payment mode is selected, the user activates the pseudo electronic payment program pre-installed in the portable terminal 90 .

<Variation of communication procedure between systems>

The pseudo-electronic payment program will be described later in detail with reference to FIG. 5, but generally, in the pseudo-electronic payment mode, as shown in the top column of FIG. The management server 40 instead of the fare adjustment machine 30 performs the first communication procedure (first communication procedure). There is a possibility (second communication procedure) performed by the management server 140 of the system 110 and a possibility (third communication procedure) still performed by the payment machine 30 as shown in the bottom column of FIG. do.

Here, the three communication procedures shown in FIG. 4 will be described. In the figure, the three elements or servers existing within the area enclosed by the dashed line) partially use the second system 110 to partially utilize the system 10 that cannot handle electronic payment by itself. and in that sense the combination is also referred to as an electronic payment enabler.

In this means for realizing electronic payment, the management server 40 is also called an “actual management server” in the sense of a management server that actually exists in the system 10 . On the other hand, the management server 140 actually exists in the second system 110, not in the system 10, and from the user's point of view, it is regarded as a management server that actually exists in the system 10. ” is also called.

Next, each of these communication procedures will be described.

<First communication procedure>

First, in the first communication procedure, as shown in the uppermost column of FIG. The management server 40 is caused to calculate the parking fee (also referred to as "fee calculation").

After completing the charge calculation, the real management server 40 connects to the settlement server 160 via the spoofing management server 140, thereby causing the settlement server 160 to perform electronic settlement. When the electronic payment is completed, the physical management server 40 transmits a leaving permitting signal to the leaving permitting device 24 via the payment machine 30, thereby permitting the user to leave the warehouse.

At this time, the actual management server 40 further transmits the calculated amount of the parking fee to the payment machine 30, and the payment machine 30 displays the received parking fee on its own screen (for example, LCD, touch panel). The amount is displayed as it is without encrypting the number string representing the amount, or it is encrypted as a number symbol string selected using the above-mentioned QR code (registered trademark), bar code, or random number table. may be displayed.

The encrypted information is captured as image data representing the encryption using the camera of the mobile terminal 90 . The captured cipher is decrypted using a decryption application (an application that converts between the original data and the cipher data) of the mobile terminal 90, thereby restoring the original data representing the parking fee. As a result, the user and the mobile terminal 90 can recognize the amount of the parking fee.

As described above, the fare adjustment machine 30 displays the amount of the parking fee to the user, prints it, or transmits it as radio waves to the mobile terminal 90 (for example, transmits it by the Bluetooth (registered trademark) communication method). Other communication procedures can also be adopted.

Here, regarding the communication between the management server 40, the payment machine 30, and the exit permitting device 24, in the example shown in FIG. , the settlement machine 30 transmits a leaving permission signal to the leaving permission device 24 .

Instead of this, the actual management server 40 receives a payment completion signal from the payment server 60, transmits a payment completion signal indicating that the electronic payment by the user has been completed to the payment machine 30, and in response, The machine 30 may transmit the leaving permission signal to the leaving permission device 24 .

In any case, both the "payment completion signal" and the "delivery permission signal" are triggered by the completion of the electronic payment by the user in an environment where the user is permitted to leave the warehouse once the electronic payment by the user is completed. is a signal indicating that the user is allowed to leave the garage, so although the names are different, the substantial meanings are the same. Therefore, there is no problem even if the "clearance permission signal" in the example shown in FIG. 4 is replaced with the "payment completion signal".

<Second communication procedure>

Next, in the second communication procedure, as shown in the middle column of FIG. 4, the mobile terminal 90 wirelessly communicates with the spoofing management server 140 (for example, via a telephone line network). The spoofing management server 140 is caused to calculate the parking fee (also referred to as "calculation of fee").

After completing the charge calculation, this spoofing management server 140 connects to the settlement server 160, thereby enabling electronic settlement by the user. When the electronic payment is completed, the spoofing management server 140 notifies the physical management server 40 of the completion of the electronic payment. Send, thereby authorizing the issue by the user.

<Third communication procedure>

Furthermore, in the third communication procedure, as shown in the bottom column of FIG. , the mobile terminal 90 causes the fare adjustment machine 30 to calculate the parking time and the parking fee, and further to return the calculated parking fee to the mobile terminal 90. - 特許庁

After that, the mobile terminal 90 wirelessly communicates with the spoofing management server 140 (for example, via a telephone line network), and the spoofing management server 140 connects to the settlement server 160, thereby allowing the user to Enables electronic payment by When the electronic payment is completed, the spoofing management server 140 notifies the physical management server 40 of the completion of the electronic payment. Send, thereby authorizing the issue by the user.

<Specific example of pseudo electronic payment mode>

Next, referring to FIG. 5, when the pseudo electronic payment mode is executed according to the above-described first communication procedure in the delivery stage, the settlement machine 30, the mobile terminal 90 and the management server 40 of the system 10 and the second The operation of system 110 with management server 140 and settlement server 160 will now be described.

Among the plurality of steps shown in FIG. 5, the time series of those executed in the portable terminal 90 corresponds to the pseudo electronic payment program described above, and the time series of those executed in the management server 40 corresponds to the actual management. It corresponds to a simulated electronic payment program for a server, and the chronological sequence of what is executed in the management server 140 corresponds to a simulated electronic payment management program for a spoofing management server, and is executed in the payment server 160. A time series of things corresponds to an electronic payment program.

When the user activates the simulated electronic payment program on the mobile terminal 90, first, in step S511, to confirm the user's intention to exit the warehouse (departure in the simulated electronic payment mode instead of the non-electronic payment mode). , the exit button is displayed on its own screen. Next, in step S512, it is determined whether or not the user has operated (for example, touched) the exit button. When the exit button is operated, the determination becomes YES, and it is determined that the user intends to exit the warehouse.

Subsequently, in step S513, the mobile terminal 90 prompts the user to enter parking lot identification information for identifying the parking lot 20, such as a parking lot code, in order to identify the parking lot 20 where the user is currently located. urge. In turn, the user enters the appropriate parking code into mobile terminal 90 manually (e.g., by said manual input or said voice input) or semi-automatically or fully automatically (in a manner assisted input by mobile terminal 90). do.

In the first example of the parking lot code input support method, the mobile terminal 90 measures the current position of the parking lot 20 at this time using the GPS function. one of the plurality of map locations located near the measured current location according to a predetermined relationship with the map location stored in the memory of the mobile device 90; at least one parking lot 20 corresponding to is presented to the user as a candidate for the current parking lot 20. - 特許庁

In this first example, when the user selects one of the parking lots 20 on the mobile terminal 90 , the parking lot code corresponding to that parking lot 20 is input to the mobile terminal 90 .

In a second example of the parking lot code input support method, the mobile terminal 90 performs wireless communication with the fare adjustment machine 30 (for example, using the Bluetooth (registered trademark) communication method). A signal representing the parking lot code corresponding to the parking lot 20 where the payment machine 30 is installed is returned to the mobile terminal 90 . Thereby, the user can input the parking lot code of the parking lot 20 where he/she is currently in the portable terminal 90 .

In a third example of the parking lot code input support method, the camera of the mobile terminal 90 captures an identification mark, such as a computer-readable pattern or image (such as A one-dimensional code such as a barcode, a two-dimensional code such as a QR code (registered trademark), etc.) is read, and the read result is converted into a parking lot code corresponding to the current parking lot 20 . Thereby, the user can input the parking lot code of the parking lot 20 where he/she is currently in the portable terminal 90 .

Subsequently, in step S514, the portable terminal 90 instructs the user to identify the vehicle compartment 22 in which the user's vehicle is currently parked in the parking lot 20 where the user is currently located. The user is prompted to enter the cabin identification information to be used, for example, the cabin number. In response, the user enters the applicable cabin number into mobile terminal 90 manually (e.g., by said manual input or said voice input) or semi-automatically or fully automatically (in a manner assisted input by mobile terminal 90). do.

In one example of a cabin number input support method, the camera of the mobile terminal 90 detects an identification mark attached to each cabin 22, such as a computer-readable pattern (e.g., barcode, QR code (registered trademark)). , etc.), and converts the result of the reading into a cabin number corresponding to the cabin 22 of this time. Thereby, the user can input into the portable terminal 90 the compartment number of the compartment 22 in which the user's own vehicle is currently parked.

Here, the “identification mark” may be configured as a multi-purpose identification mark including both the identification mark of the passenger compartment 22 and the identification mark of the parking lot 20 . In this case, the camera of the mobile terminal 90 reads the multi-purpose identification mark attached to each vehicle compartment 22, and the reading result is applied to the parking lot code corresponding to the current parking lot 20 and the current vehicle compartment 22. Convert to a combination with the corresponding cabin number.

According to this exemplary input support method, the user can input the parking lot code of the parking lot 20 where the user is currently located and the compartment number of the compartment 22 where the user's own vehicle is currently parked. can be entered in

After that, in step S515, the mobile terminal 90 allows the current user (precisely assigns one spoofed member ID to the combination of the current parking lot code and the current vehicle compartment number. The impersonation member ID is set differently for each user.

By the way, a user who wishes to use the second system 110 for the original purpose of parking a vehicle is required to be pre-registered as a member of the second system 110 . However, a user of system 10 is not required to be a member of second system 110 in order to use that system 10 .

Therefore, in this embodiment, the data processing of the portable terminal 90 allows the user to temporarily become a member of the second system 110 regardless of the intention of the user of the system 10 and without the user noticing. Impersonate. This impersonation membership automatically expires when the user ends the current use of the system 10 (when the user pays the parking fee by pseudo-electronic payment).

In order to carry out the impersonation process, the memory of the mobile terminal 90 contains a plurality of virtual member IDs, i.e., those not assigned to any user of the second system 110, but which are mobile for the purpose of electronic payment only. What is stored is what authorizes the terminal 90 to access the second system 110 . The same virtual member IDs are also stored in the memory of the second system 110 , thereby allowing the second system 110 to perform member authentication for users of the system 10 .

Each time the mobile terminal 90 receives a shipping request in the pseudo electronic payment mode from the user, the mobile terminal 90 changes either one of the virtual member IDs that has been used in the same mobile terminal 90 or the one that has been used in another mobile terminal 90. and assign it to this user. As a result, the current parking lot code, the current vehicle compartment number, and the current spoofed member ID are associated with each other. When each mobile terminal 90 selects a certain impersonated member ID, it transmits the result to the management server 40, and the management server 40 provides information to other mobile terminals 90 so as not to select the same impersonated member ID. do.

After that, in step S516, the mobile terminal 90 associates and manages the parking lot code and the compartment number with the parking lot code and the compartment number for requesting the user to leave the garage (departure in the pseudo electronic payment mode instead of the non-electronic payment mode). Send to server 40 .

Since the current user is not a true member of the second system 110 and is not a member who was forcibly registered this time, the management server 140 checks the credit card number associated with the current user. don't know Therefore, in the present embodiment, the mobile terminal 90 further transmits the credit card number associated with the current user to the management server 40 as electronic payment information necessary for electronic payment.

On the other hand, in step S531, the management server 40 associates the exit request, the parking code, the compartment number, and the electronic payment information with each other and receives them.

Subsequently, in step S532, the management server 40 uses the clock to measure the current time. After that, the management server 40 treats the measured current time as the leaving time, and then reads out from the memory the entering time stored in the memory of the management server 40 in association with the current compartment number. The parking time is calculated by subtracting the entering time from the leaving time.

Thereafter, the management server 40, in step S533, according to the predetermined relationship between the length of parking time and the amount of the parking fee, which is stored in the memory of the management server 40, the calculated Calculate the parking fee corresponding to the length of parking time. Subsequently, the management server 40 transmits the calculated parking fee amount to the user's mobile terminal 90 in step S534.

On the other hand, the portable terminal 90 receives the amount of the parking fee in step S517, and then displays the amount of the parking fee on the screen.

After that, in step S518, the portable terminal 90 transmits the amount of the parking fee, the electronic payment request for electronic payment of the parking fee, and the impersonated member ID of this time as information necessary for electronic payment (the electronic payment information ) to the management server 140 of the second system 110 . Alternatively, the payment request may be sent to the management server 140 by the management server 40 instead of the mobile terminal 90 .

In response to this, in step S551, the management server 140 receives the amount of the parking fee, the payment request, the impersonated member ID of this time, and the information necessary for the electronic payment.

Subsequently, in step S552, the management server 140 refers to its own memory to determine whether or not there is a virtual member ID that matches the received impersonation member ID. Authorize the current user to access the second system 110 for the purpose of electronic payments only. Member authentication is performed.

Thereafter, in step S553, the management server 140 transmits a payment request for electronic payment of the parking fee to the payment server 160 together with information required for electronic payment.

In response to this, the payment server 160 receives the payment request in step S571, and then performs electronic payment according to the specified details in step S572. Subsequently, in step S573, the payment server 160 transmits to the management server 40 a payment completion signal indicating that the electronic payment has been completed.

In response to this, the management server 40 receives the payment completion signal in step S535, and subsequently determines in step S536 that the payment of the parking fee has been completed by electronic payment. After that, the management server 40 transmits a leaving permission signal (or payment completion signal) to the payment machine 30 in step S537.

In response to this, the fare adjustment machine 30 receives the exit permission signal (or payment completion signal) in step S501, and then enables the user's vehicle to exit the current compartment 22 in step S502. To do so, a delivery permission signal is transmitted to the delivery permission device 24 . In response to the leaving permission signal, the leaving permission device 24 retracts (stores) the baffle plate from the active position to the non-operating position, thereby allowing the vehicle to leave the leaving permission device 24 .

<Fourth communication procedure>

Several modifications are proposed that are different from the example of the second communication procedure shown in the middle column of FIG. .

<First Modification of Fourth Communication Procedure>

In the first modification of the fourth communication procedure, as illustrated in the block diagram of FIG. 6 as the fourth communication procedure and conceptually represented in the flow chart of FIG. When the exit button is operated, the mobile terminal 90 accesses the spoofing management server 140 and thereby transmits the combination of the parking lot identification information and the vehicle interior identification information to the spoofing management server 140 .

Here, the "combination of parking lot identification information and vehicle interior identification information" is information for identifying the parking lot 20 used by the current user and the vehicle interior 22 in the parking lot 20, that is, vehicle interior identification information. , information for individually specifying the current user, that is, information uniquely corresponding to the current user, that is, information unique to the current user.

Subsequently, in step S702, the mobile terminal 90 further inputs the credit card number (or bank account number) linked to the user with information necessary for electronic payment (for example, when the payment server 160 performs credit card payment). (Electronic payment information required for payment) to the spoofing management server 140.

Next, in step S733, the spoofing management server 140 accesses the real management server 40, thereby transmitting the compartment identification information received from the portable terminal 90 to the real management server 40. FIG. The actual management server 40 temporarily saves the received compartment identification information in its own memory in step S752.

Subsequently, in step S753, the actual management server 40 identifies the parking lot 20 and the vehicle compartment 22 (hereinafter referred to as "individual vehicle compartment position") indicated by the received vehicle compartment identification information.

After that, in step S754, the actual management server 40 calculates the current actual parking time by the user (usage time of the vehicle compartment 22 by the user) for the identified individual compartment position.

Specifically, as described above, the actual management server 40 executes the entry time that is transmitted from the payment machine 30 to the actual management server 40 in association with the current vehicle compartment 22 and recorded in association with the vehicle compartment 22. Read from the memory of the management server 40, and the read entry time and exit time (for example, the time when the user operates the exit button on the screen of the mobile terminal 90, the time when the mobile terminal 90 accesses the impersonation management server 140) , current time, etc.) to calculate the length of parking time.

After that, in step S755, the actual management server 40 calculates the parking fee corresponding to the length of the calculated parking time by referring to a predetermined fee table (not shown).

Subsequently, in step S756, the spoofing management server 140, representing the calculated amount of parking fee, sends the corresponding individual compartment location (for example, a combination of the parking lot 20 and the compartment 22) or the user ID. , and transmits it to the spoofing management server 140 .

In this way, the spoofing management server 140 receives the current parking fee amount for each user individually.

Thereafter, in step S735, the impersonation management server 140 transmits an electronic payment request to the payment server 160. FIG. Furthermore, in step S736, the impersonation management server 140 transmits the electronic payment information to the payment server 160. FIG. Further, in step S737, the impersonation management server 140 determines the amount represented by the received parking fee data as the settlement amount, and transmits settlement amount data representing the settlement amount to the settlement server 160.

In step S774, the payment server 160 performs electronic payment (credit card payment) based on the received electronic payment information and payment amount data. Thereafter, in step S775, a completion signal indicating that the electronic payment has been completed is transmitted to impersonation management server 140 and actual management server 40. FIG. As a result, the spoofing management server 140 and the real management server 40 will know that the current parking fee payment has been completed in the form of electronic payment.

In response to this, in step S739, the spoofing management server 140 transmits to the portable terminal 90 a payment completion signal indicating that the electronic payment has been completed. This allows the user to know that the electronic payment has been completed.

In response to this, in step S758, the actual management server 40 transmits a payment completion signal to the communication device of the payment machine 30. FIG. As a result, the payment machine 30 will know that the payment for the current parking fee has been completed in the form of electronic payment.

<Second Modification of Fourth Communication Procedure>

A second modification of the fourth communication procedure is illustrated as a block diagram in FIG. 6 as a fourth communication procedure, and is conceptually represented by a flow chart in FIG. The flow chart will be described below, but redundant description of the elements common to the flow chart of FIG. 7 will be omitted.

In the flowchart of FIG. 9, first, in step S901, when the exit button is operated by the user, the mobile terminal 90 accesses the spoofing management server 140, thereby obtaining the vehicle compartment identification information (current user (information specifying the parking lot 20 used by and the vehicle compartment 22 in the parking lot 20) to the spoofing management server 140 thereof.

In response to this, the spoofing management server 140 receives the vehicle interior identification information from the portable terminal 90 in step S931. The received vehicle compartment identification information is stored in the memory of impersonation management server 140 . Subsequently, in step S932, the impersonation management server 140 transmits to the actual management server 40 a fee information request for acquiring parking fee information regarding the parking fee to be charged to the current user.

In response to this, the actual management server 40 receives the charge information request from the impersonation management server 140 in step S951. Subsequently, in step S952, the actual management server 40 calculates the amount of the parking fee as in steps S754 and S755 described above and step S852 described above. After that, in step S953, the actual management server 40 transmits charge information representing the amount of the parking fee to the impersonation management server 140. FIG.

In response to this, the impersonation management server 140 receives the charge information from the actual management server 40 in step S933. The received fee information is stored in the memory of the spoofing management server 140 . Subsequently, in step S 934 , impersonation management server 140 transmits the received charge information to portable terminal 90 .

In response, the mobile terminal 90 receives the charge information from the spoofing management server 140 in step S902. Subsequently, in step S<b>903 , the portable terminal 90 transmits the aforementioned electronic payment information stored in its own memory to the spoofing management server 140 .

In response, the spoofing management server 140 receives the electronic payment information from the mobile terminal 90 in step S935. The received electronic payment information is stored in the memory of the spoofing management server 140 . Subsequently, in step S936, the impersonation management server 140 transmits the electronic payment request to the payment server 160 together with the electronic payment information (eg, credit card number) and the fee information (eg, parking fee amount).

In response to this, in step S971, the payment server 160 receives the electronic payment request, the electronic payment information, and the charge information in association with each other. Subsequently, in step S972, the payment server 160 performs electronic payment (credit card payment) based on the received various information. Thereafter, in step S973, the payment server 160 transmits an electronic payment completion signal indicating that the electronic payment has been completed to the spoofing management server 140.

In step S937, the impersonation management server 140 receives the electronic payment completion signal. As a result, the spoofing management server 140 will know that the payment for the parking fee this time has been completed in the form of electronic payment. Subsequently, in step S938, the impersonation management server 140 transmits the electronic payment completion signal to the mobile terminal 90 and the real management server 40, respectively.

On the other hand, in step S904, the portable terminal 90 receives the electronic payment completion signal from the spoofing management server 140. FIG. As a result, the user will know that the payment for the current parking fee has been completed in the form of electronic payment.

Also, in step S954, the actual management server 40 receives the electronic payment completion signal from the impersonation management server 140. FIG. As a result, the actual management server 40 becomes aware of the completion of the payment of the parking fee this time in the form of electronic payment. Thereafter, in step S955, the actual management server 40 transmits the electronic payment completion signal to the communication device of the payment machine 30. FIG. As a result, the payment machine 30 will know that the payment for the current parking fee has been completed in the form of electronic payment.

As is clear from the above description, according to the present embodiment, the payment system 10, which is not compatible with electronic payment, is replaced with another payment system 110, which is compatible with electronic payment, thereby increasing the burden on the payment system 10. It becomes easy to modify the payment system 10 to be compatible with electronic payment while suppressing the

Specifically, the payment system 10 that is not compatible with electronic payment can perform electronic payment using the electronic payment means of another payment system 110 that is compatible with electronic payment. software configuration of the application to be installed in the mobile terminal 90, the management server 40, and the payment machine 30 in order to modify the system to be compatible with electronic payment (make the payment system 10 pseudo-compatible with electronic payment) can be changed relatively easily, and there is no need to add a new electronic payment means to the payment system 10.例文帳に追加

In some of the embodiments described above, when the pseudo electronic payment mode is selected by the user, the portable terminal 90 displays information (for example, a parking code) for specifying the current parking lot 20 and the current selection. Acquiring a combination with information (for example, a cabin number) for specifying the passenger compartment 22, and adding the combination to the second management server 140 of the second system 110 as a member of the second system 110 and accesses the second management server 140 using the impersonated member ID.

Alternatively, when the pseudo electronic payment mode is selected by the user, the mobile terminal 90 acquires the user's user ID or information uniquely corresponding to the user (described later), and A spoofed member ID for accessing the second management server 140 of the second system 110 as a member of the second system 110 is assigned to the target correspondence information, and the spoofed member ID is used to pass through the management server 40. It may be designed to include spoofing access means for accessing the second management server 140 either through or without going through.

Here, the "information uniquely corresponding to the user (uniquely corresponding information)" includes, for example, the telephone number, e-mail address, IP address of the mobile terminal 90, the registration number of the user's vehicle (the number on the license plate, etc.). ), and image information such as an image of the user himself/herself or his/her own vehicle. The "vehicle registration number" is obtained by the user manually inputting a string of characters and numbers into the mobile terminal 90, or by capturing an image including the license plate of the vehicle with the camera of the mobile terminal 90 and capturing the result. may be obtained by extracting the number from the mobile terminal 90 or other device through image recognition processing.

The several embodiments described above are some examples of applying the present invention to a service using a postpaid parking lot 20, but the present invention uses a prepaid parking lot. May be applied to services.

In addition, the several embodiments described above apply the present invention to a parking lot service that lends a user a space for parking a vehicle in a parking lot 20 managed by an operator (parking lot manager). These are just a few examples of when applied, but it is possible to apply the invention to other types of services.

Specifically, the present invention can be applied, for example, to a service of lending a parking lot owned by an individual to another person to park another person's vehicle (a so-called parking lot sharing service), Applied to a service that lends a vehicle to a user at a place (so-called vehicle rental service), a service that a business operator lends a vehicle to a user in an unmanned parking lot (so-called vehicle sharing service), and an individual It may be applied to a service of lending one's own vehicle to another person (so-called vehicle sharing service).

Furthermore, the present invention may be applied to a service of renting a rental object, which is real estate or movable property, to a user.

An example of a rental object that is real estate is a coin-operated locker. In this example, there are a non-electronic payment compatible coin locker and an electronic payment compatible coin locker system (for example, including a coin locker with a communication function, a management server, and a payment server), When the present invention is applied to this example, the payment machine of the non-electronic payment compatible coin locker will virtually support electronic payment using the electronic payment compatible coin locker system.

Furthermore, the present invention includes a vending machine that unmannedly sells goods such as beverages and that is not compatible with electronic payment, and a vending machine system that is compatible with electronic payment (for example, a vending machine with a communication function). , a management server, and a payment server) exist, for example, a payment machine of a non-electronic payment compatible vending machine can be used as an electronic payment compatible vending machine system. will be used to simulate electronic payment.

Here, "goods" means any type of goods that have physical utility value in themselves, such as beverages, food, rental balls for pachinko machines, rental coins for slot machines, and rental coins for game machines. It may be an article (for example, a ticket, an admission ticket, a meal ticket, a substitute currency, a token) that proves that the user has a certain authority, although it itself has no physical utility value.

The non-electronic payment-enabled vending machine system described above includes a vending machine that provides a predetermined item in exchange for payment by a user, and optionally, the vending machine has communication capabilities. In some cases, it may further include a management server that can communicate with the vending machine.

Examples of non-electronic payment compatible systems to which the present invention can be applied include an unmanned ticket vending machine for transportation that sells tickets when the user pays, and an unmanned ticket vending machine installed in a restaurant. A coin-operated laundry system that lends unmanned washing machines and dryers to users, and payment terminals installed in commercial facilities that users purchase items themselves. and pay for it, and unmanned lending machines installed in amusement facilities such as pachinko halls and slot machine halls that lend items necessary for games.

In some of the embodiments described above, a user of the system 10 may be entitled to membership in the second system 110 without his knowledge, but with his consent. Alternatively, the present invention may be implemented in such a manner that the user of the system 10 accesses the second system 110 after obtaining the qualification as a member of the second system 110 by waiting for an instruction from the person himself/herself. good.

If the user of the system 10 is required to register the credit card number linked to the user in the management server 140 in order to qualify as a member of the second system 110, this When a user requests electronic payment in the system 10, the credit card number linked to the user has been registered in the management server 140 before that, so the user can make an electronic payment in the system 10. The work of sending the credit card number associated with the user to the management server 140 at the time of doing so is omitted.

In addition, in some of the embodiments described above, the non-electronic payment compatible system 10 has the management server 40, but the present invention may be implemented without the management server 40. Regardless of whether the non-electronic payment compatible system 10 has the management server 40 or not, the user's portable terminal 90 can be used for the electronic payment compatible second system 110 without going through the management server 40. You may implement this invention in the aspect which accesses the management server 140. FIG.

In addition, in some of the embodiments described above, the second system 110 that supports electronic payment performs the same type of business as the system 10 that does not support electronic payment, that is, the business of providing parking lots to users. However, the system 10 that supports non-electronic payment may be engaged in a different kind of business (for example, an unmanned business of selling goods).

Further, in some of the embodiments described above, the non-electronic payment compatible system 10 uses the payment means of the electronic payment compatible second system 110 to enable electronic payment by the user. , the present invention may be applied when the system 10 is electronic payment enabled.

When the present invention is implemented in such an environment, for example, the types of electronic payments that the system 10 can handle alone, without dependence on the second system 110, are the types of electronic payments available to users. Even if the types do not match, cooperation with the second system 110 will match the types of electronic payments that can be used by the user with the types of electronic payments that the system 10 can simulate. . As a result, the user can use the system 10 because the problem of inconsistency in the type of electronic payment is resolved.

Specifically, for example, the type of electronic payment compatible with the system 10 is a "VISA (registered trademark) card", while the type of electronic payment compatible with the second system 110 is a "Master Card (registered If the types of credit cards that can be used by the user are different between the systems 10 and 110, such as "Trademark)", the user does not have the authority to use the credit card that can be used in the system 10 Then, the user cannot use the system 10 only because electronic payment is not possible.

On the other hand, according to the present invention, the system 10 that can use the first type of credit card uses the settlement means of the second system 110 that can use the second type of credit card to allow the user to use the second type of credit card. If electronic payment by credit card becomes possible, the user cannot use the system 10 only because the type of credit card that can be used by the user and the type of credit card that can be used by the system 10 do not match. is avoided, and the user's convenience is improved.

<Code reading payment>

In some of the embodiments described above, typically, the second system 110 employs the aforementioned "credit card payment" as electronic payment.

Alternatively, it is possible to implement the present invention in such a manner that the second system 110 adopts the aforementioned "code reading payment" as electronic payment.

In this embodiment, for example, as shown in the flowchart of FIG. 8, first, in step S801, when the user operates the exit button on the screen of the mobile terminal 90, then in step S802, the mobile terminal 90 requests access to the management server 140 of the second system 110 .

On the other hand, when the management server 140 permits access from the mobile terminal 90 in step S831, the management server 140 subsequently requests access to the management server 40 of the system 10 in step S832.

On the other hand, in step S851, when the management server 40 permits access from the management server 140, in step S852, the amount of parking fee is calculated as described above, and then in step S853, Parking fee data representing the amount of the parking fee is transmitted to the management server 140 .

On the other hand, in step S833, when the management server 140 receives the parking fee data, in step S834, a payment code representing the parking fee amount represented by the received parking fee data as the payment amount is generated. Payment code data is created as image data representing (for example, a QR code (registered trademark) or barcode). The settlement code indicates the amount of money to be settled by the user this time and that the settlement is to be made by reading the code described above. The payment amount is encrypted and reflected in the payment code.

After that, in step S835, the management server 140 transmits the created payment code data to the communication device of the payment machine 30. FIG.

In step S861, the computer of the payment machine 30 displays the corresponding payment code on the screen of the payment machine 30 based on the received payment code data.

In step S803, the user uses the camera of the mobile terminal 90 to read the displayed payment code. Subsequently, in step S804, the portable terminal 90 converts the payment code into an electric signal, thereby creating read data.

After that, in step S805, the portable terminal 90 restores the payment amount from the read data by activating the decryption application stored in its own memory. Subsequently, in step S806, the mobile terminal 90 reads the credit card number associated with the current user from its own memory as electronic payment information.

Thereafter, in step S807, the portable terminal 90 associates the restored payment amount and the read electronic payment information with the user, and transmits them to the spoofing management server 140. FIG.

In response to this, in step S836, the spoofing management server 140 checks whether or not the received payment amount matches the parking fee amount represented by the parking fee data received in step S833. judge.

If the collation is successful, it means that the decryption rules used by the mobile terminal 90 are correct, and thus the above-described decryption application used by the mobile terminal 90 is approved by the management server 140. (that the decryption application has been properly downloaded from the second system 110 and installed in the memory of the mobile terminal 90). The fact that the decryption application used by the mobile terminal 90 has been approved by the management server 140 means that the current user qualifies as a member of the second system 110 .

Thereafter, in step S835, the impersonation management server 140 transmits an electronic payment request to the payment server 160. Furthermore, in step S836, the impersonation management server 140 transmits the electronic payment information to the payment server 160. FIG. Further, in step S837, the impersonation management server 140 transmits payment amount data representing the payment amount to the payment server 160. FIG.

In step S874, the payment server 160 performs electronic payment (credit card payment) based on the received electronic payment information and payment amount data. Thereafter, in step S875, a completion signal indicating that the electronic payment has been completed is transmitted to impersonation management server 140 and actual management server 40. FIG. As a result, the spoofing management server 140 and the real management server 40 will know that the current parking fee payment has been completed in the form of electronic payment.

In response to this, in step S842, the spoofing management server 140 transmits to the mobile terminal 90 a payment completion signal indicating that the electronic payment has been completed. This allows the user to know that the electronic payment has been completed.

In response to this, in step S854, the actual management server 40 transmits a payment completion signal to the communication device of the payment machine 30. FIG. As a result, the payment machine 30 will know that the payment for the current parking fee has been completed in the form of electronic payment.

According to this embodiment, the system 10, which alone cannot handle code-reading payments, can use the payment means of the second system 110, which can handle code-reading payments, to allow the user to perform code-reading payments.

As can be easily understood from the above description, according to the present invention, the first payment system (non-electronic payment compatible type) 10, which alone cannot deal with either credit card payment or code reading payment, uses at least credit By combining with the second payment system (electronic payment compatible type) 110 compatible with card payment, at least credit card payment can be handled.

Furthermore, according to the present invention, the first payment system (non-electronic payment compatible type) 10, which alone cannot handle both credit card payment and code reading payment, can be used as a second payment system capable of at least code reading payment. By combining with the system (electronic payment compatible type) 110, at least code reading payment can be handled.

Furthermore, according to the present invention, the first payment system (electronic payment compatible type) 10, which alone can handle credit card payment but cannot alone handle code reading payment, can be replaced with at least the first payment system 10 which can handle code reading payment. 2 payment system (electronic payment compatible type) 110, it is possible to deal with at least code reading payment.

<Multi payment>

By the way, in some embodiments described above, the system (first system) 10 cooperates with one second system 110 for the settlement procedure, and the system (first system) 10 simulates The range of types of payments that can be supported in practice will be extended from non-electronic payments to electronic payments.

However, the types of electronic payments that can be handled by the second system 110 are limited, and the types of electronic payments that can be simulated by the system (first system) 10 are the types of electronic payments available to users. may not match.

In that case, the system (first system) 10, even with the help of the second system 110, cannot accommodate the types of electronic payments available to the user. In other words, there is a problem that there is a limit to expanding the types of electronic payments that the system (first system) 10 can handle.

On the other hand, in order to solve this problem, the present invention can be implemented, for example, in the following aspects.

This aspect is also directed to a system (first system) 10 that provides some kind of goods or services or personal or real property to users.

This system (first system) 10 is capable of supporting non-electronic payments by itself but not electronic payments, or at least by itself supporting limited types of electronic payments. be. This system 10 includes a user's portable terminal 90 and a settlement machine 30 or a settlement machine for the user to make a settlement by a settlement method that the system 10 can independently handle in a normal settlement mode.

This system (first system) 10 operates in conjunction with a plurality of second systems 110, each of which provides the user with goods or services of the same or different kind as system 10, or personal property or real estate, with respect to settlement procedures.

Each of these second systems 110 can accommodate one or more types of electronic payments.

Also, the second systems 110 are not completely compatible with each other regarding the types of electronic payments that can be supported between them.

Specifically, the second systems 110 can choose to include at least one different type of electronic payment between them, or not to share the same type of electronic payment at all. be.

In addition, these second systems 110 do not have exclusivity in use, and can be used in combination with a plurality of different second systems that completely match each other in the types of electronic payments that can be handled. be.

This system (first system) 10 determines the type of electronic payment designated by the electronic payment request when the mobile terminal 90 receives an electronic payment request from the user (for example, the above-described operation of the exit button). It has a discrimination part.

Further, this system (first system) 10, when the mobile terminal 90 detects that the type of electronic payment specified by the user does not match any of the types of electronic payment supported by the system, the plurality of second It has a selection unit that selects any second system 110 covering the type of user-specified electronic payment from among the systems 110 as a substitute system 110 .

Further, in this system (first system) 10, when the substitute system 110 is selected, the mobile terminal 90 is in the substitute electronic payment mode via another communication device (for example, the management server 40) or A substitute system 110 is accessed without going through, whereby the substitute system 110 has a substitute payment unit that performs the user specified electronic payment on behalf of the system 10 .

The surrogate system 110 communicates, with or without another communication device (e.g., management server 40), with the payment machine 30 or payment machine of the system 10, whereby the payment machine 30 or payment machine of the system 10 A settlement completion signal is received from the surrogate system 110 . This completes the user specified electronic payment with the help of the surrogate system 110 .

According to this system 10 (first system), if the type of electronic payment available to the user does not match the type of electronic payment compatible with the system 10, one of the plurality of second systems 110, the user is automatically selected to cover the types of electronic payments available, and the selected second system 110 functions as a means of payment for system 10, so that system 10 simulates It becomes possible to correspond to the types of electronic payment available to the user.

As a result, the system (first system) 10 can simulate virtually any type of electronic payment that can be used by the user. improves.

That is, according to this system (first system) 10, not only one type of electronic payment is realized, but so-called multi-payment, in which multiple types of electronic payments are realized in a pseudo manner with the same system 10. It is realized. Here, the term "multi-payment" means that the types of electronic payments available to users are diversified.

Additionally, the payment code is displayed on the screen (e.g., LCD) of the payment machine 30 of the system 10, thereby enabling the user to pay the parking fee later by reading the code. The above-described technology does not depend on the second system 110, that is, more specifically, for example, the management server 40 transmits data for displaying a payment code to the communication device of the payment machine 30 of the same system 10. It can be realized by sending to

Multi-payment has been conceptually described above, and a multi-payment system 1000, which is a specific example thereof, will now be described with reference to FIGS. 10 and 11. FIG.

As shown in FIG. 10, this multi-electronic payment system 1000 includes a first system 10 capable of supporting a single type of electronic payment (which may be capable of supporting non-electronic payments) and a plurality of second systems 110, which, as previously mentioned, do not exactly match each other in terms of the types of electronic payments they support.

However, any of the systems 10 and 110 only needs to be able to provide users with a payment service, and as in some of the examples described above, the systems 10 and 110 can also provide services other than payment (for example, parking lot management business). Constructing 10 and 110 is not essential to the practice of the invention.

Specifically, the first system 10 is a payment system to which the mobile terminal 90 of the user is directly connected regardless of the type of electronic payment available to the user (user-designated electronic payment). . The first system 10 has a management server 40 as an actual management server, and is connected to a payment server 160 capable of handling corresponding types of electronic payments.

On the other hand, one of the plurality of second systems 110 is a payment system selected by the first system 10 as matching the type of electronic payment designated by the user. The selected second system 110 is a complementary system to which the mobile terminal 90 is indirectly connected via the management server 40 (actual management server) of the first system 10 without the user's knowledge. payment system. The selected second system 110 has a management server 140 as a deemed management server or a pseudo management server, and is connected to a payment server 160 capable of handling the corresponding type of electronic payment.

Both the payment server 160 assigned to the first system 10 and the payment server 160 assigned to each second system 110 are typically managed by respective operators operating corresponding types of electronic payment services.

<Electronic payment request for single payment fee>

FIG. 11 conceptually illustrates the operation of the multi-electronic payment system 1000 shown in FIG. 10 in a flow chart. For the example shown in FIG. 11, the term "multi-payment" is used to mean the variety of electronic payment types available to users.

First, in step S<b>1101 , a user who desires electronic payment connects the mobile terminal 90 to the real management server 40 of the first system 10 .

Specifically, the user is charged a fee in consideration of the business provided to the user by the first system 10 or another system (sale of tangible goods, provision of intangible service, etc.), and the fee is to the first system 10, but in fact to the first system 10 or any second system 110 by electronic payment. become.

Here, the "intangible service" includes, for example, provision of food and drink, use of rental objects, use of parking lots, use of transportation facilities, and the like.

In step S1101, the user transmits an electronic payment request to the actual management server 40 in association with the user's electronic payment information, user identification information, and charge-related information.

Here, "electronic payment information" is, for example, the type of electronic payment that the user wishes to use (for example, the type of prepaid card, the type of credit card, the type of cryptocurrency, etc.) and , has user-specific information related to electronic payment (eg, prepaid card number, credit card type, cryptocurrency number, etc.).

"User identification information" includes, for example, a user ID, identification information specific to the mobile terminal 90, and the like.

Also, the "charge-related information" includes, for example, the payee of the charge and one or more payment items (or purchase items) that constitute the charge.

In relation to this step S1101, FIG. 12 shows one first type purchase activity unit (for example, an activity of collectively purchasing a plurality of products at the same store, or providing a plurality of food and beverages at the same store). An example of electronic payment request related information for a single payment fee for individual electronic payment of a single payment fee to a single payee is shown.

Here, "single payment fee" means that one or more purchase items each have an individual fee, but each individual fee is paid to one payee, and after all, the total fee is the same payment. means a fee paid in advance.

In response to execution of step S1101, the actual management server 40 receives the electronic payment request, the electronic payment information, the user identification information, and the charge-related information from the portable terminal 90 in a step S1131 in association with each other. A collection of the electronic payment request, electronic payment information, user identification information, and fee-related information will be referred to as electronic payment request-related information for convenience of explanation.

Subsequently, in step S1132, the actual management server 40 associates the received fee-related information and/or the fee-related information with the corresponding business entity (for example, individual stores such as restaurants or franchisees). Stores, general commercial facilities such as department stores, other parking lot management companies, business entities that operate each transportation system, etc.), or based on fee information received from a billing server operated for that business entity, etc. Calculate the fee to be charged to

Thereafter, in step S1133, the actual management server 40 extracts information representing the type of user-designated electronic payment from the received electronic payment information, and determines the type of electronic payment requested this time from the extraction result.

Types of electronic payment are broadly classified into prepaid card payment, credit card payment, and the like. The types of electronic payment are further subdivided, for example, by the type of company that handles the prepaid card for prepaid card payment, and by the type of credit company that handles the credit card for credit card payment.

Subsequently, in step S1134, the actual management server 40 determines that the determined type of electronic payment (that is, the type of electronic payment specified by the user this time) corresponds to the type of electronic payment compatible with the first system 10 (one type of electronic payment). There may be only one type or there may be multiple types).

If the electronic payment designated this time can be handled by the first system 10, the determination in step S1134 becomes YES, and subsequently, in step S1135, the actual management server 40 sends the electronic payment request to the electronic payment. information, the user identification information, and the charge calculation result (execution result of step S1133, etc.) are transmitted to the settlement server 160 assigned to the first system 10 (the settlement server 160 located on the left side in FIG. 10).

In response to execution of step S1135 described above, the settlement server 160 receives the electronic settlement request, the electronic settlement information, the user identification information, and the fee calculation result from the actual management server 40 in association with each other. Subsequently, in step S1175, this payment server 160 executes the electronic payment desired by the user. After that, in step S1176, the settlement server 160 associates a settlement completion signal indicating that the current electronic settlement is completed with the user ID and transmits it to the actual management server 40. FIG.

On the other hand, in step S1136, the actual management server 40 receives the payment completion signal from the payment server 160 in association with the user ID, refers to the user ID, and selects one of the portable terminals 90 of the current user. The mobile terminal 90 is identified, and the settlement completion signal is transferred to the mobile terminal 90 .

On the other hand, the portable terminal 90 receives the transferred settlement completion signal in step S1103. After that, the mobile terminal 90 displays on the screen and/or outputs, for example, a message indicating that the current electronic payment has been completed (for example, together with the payment amount).

The case where the first system 10 can handle the user-designated electronic payment has been described above. of the second systems 110 of , which is compatible with user-specified electronic payment.

Here, if there are a plurality of second systems 110 that are compatible with user-specified electronic settlement among the plurality of second systems 110, first, the actual management server 40 selects a plurality of second systems 110 that are compatible with user-specified electronic settlement. 2 systems 110 are tentatively selected as a plurality of candidates.

Next, the actual management server 40 narrows down the plurality of tentatively selected candidates to only one second system 110, or narrows down the plurality of candidates to a small number of candidates according to a predetermined priority determination rule, These small number of candidates are presented to the user via the mobile terminal 90, and the user is allowed to select one of the candidates.

Here, the "predetermined priority determination rule" is, for example, a rule that preferentially selects the second system 110 in which the same user's past usage history exists, or a rule that any second system 110 is selected by the user. preferentially selects a second system 110 that is higher than a reference level and is more advantageous than other second systems 110 in terms of benefits (e.g., reward points) that the user can obtain in return for using the second system 110. Contains rules.

Subsequently, in step S1138, the actual management server 40 associates the electronic payment request with the user ID, and the deemed management server (hereinafter referred to as the “current deemed management server”) 140 of the selected second system 140 Send to

On the other hand, in step S1151, the current deemed management server 140 associates the received electronic payment request with the user ID, and the current payment server 160 (the right payment server in FIG. and is hereinafter referred to as the “current payment server”).

In response, the current payment server 160 receives the current electronic payment request in association with the user ID in step S1171, and then executes the electronic payment desired by the user in step S1172. After that, in step S1173, the current settlement server 160 associates a settlement completion signal indicating that the current electronic settlement has been completed with the user ID and transmits it to the current deemed management server 140. FIG.

On the other hand, the current deemed management server 140 associates the settlement completion signal with the user ID and transfers it to the actual management server 40 in step S1152. In response, the actual management server 40 refers to the user ID and transfers the settlement completion signal to the portable terminal 90 of the current user.

On the other hand, the portable terminal 90 receives the transferred settlement completion signal in step S1102. After that, the mobile terminal 90 displays on the screen and/or outputs, for example, a message indicating that the current electronic payment has been completed (for example, together with the payment amount).

Each management server 140 may support one or more electronic payment types, and each payment server 160 assigned to each management server 140 may support one or more electronic payment types. .

Additionally, in the example shown in FIGS. 10 and 11, the first system 10 has a charge calculation function for calculating charges to be charged to the user, and one of the In addition to the selection function to select the second system 110 (i.e., the payment route selection function to select the payment route), it also has a payment function (whether non-electronic payment or electronic payment), The settlement function may be omitted, and the charge calculation function may also be deleted from the first system 10 if the same function is implemented elsewhere. That is, it is sufficient that the first system 10 has at least the selection function.

Additionally, in the examples shown in FIGS. 10 and 11, for convenience of explanation, the management server 40 in the first system 10 constitutes an example of the above-mentioned "settlement route selection server", and a plurality of second The plurality of management servers 140 in the two systems 110 can be considered to constitute an example of the aforementioned "plurality of management servers."

Additionally, in the example shown in FIGS. 10 and 11 , a plurality of management servers 140 share a single management server 40, but are independent of each other in terms of configuration and do not depend on the management server 40. there is

Therefore, as long as the management servers 140 can establish a connection with the management server 40, it is not an essential requirement that they have compatibility or be able to communicate with each other in terms of communication environment.

Additionally, in the examples shown in FIGS. 10 and 11, the plurality of management servers 140 are operated by different business entities and/or are located at different locations (for example, locations in real space, location in the virtual address space).

Therefore, according to the examples shown in FIGS. 10 and 11, in order to expand the range of types of electronic payment that can be used by a single user, a plurality of existing management servers 140 are provided with different types of electronic payment. Common management without performing work (repair work, design change, etc.) to unify the communication environments and specifications of all management servers 140 by selecting one that can handle settlement. By simply connecting to the server 40, a communication network for multi-electronic payment as shown in FIG. 10 is constructed.

As a result, according to the examples shown in FIGS. 10 and 11, the setting conditions (for example, communication conditions) of the plurality of existing management servers 140 are not substantially modified, and their installation positions are not required to be changed. By simply connecting these management servers 140 to the management server 40, the types of electronic payments that can be used by a single user are enriched.

As a result, according to this example, user convenience can be easily improved while suppressing an increase in the economic burden (for example, facility cost) on the business operator.

The above description of the multi-electronic payment system 1000 with reference to FIGS. 10 and 11 indicates that the user can pay the above-mentioned single payment fee for one above-mentioned type 1 purchase activity unit to one payee (for example, , one entity associated with the first system 10).

As a result, specifically, as shown in FIG. 11, even when electronic payment is performed by the first system 10 triggered by the execution of step S1135, any second system 10 triggered by the execution of step S1138 110, the user will, for example, eventually make electronic payment to one business entity linked to the first system 10 and pay the fee to that business entity. become.

<Electronic payment request for combined payment charges>

In the multi-electronic payment system 1000 shown in FIGS. 10 and 11, the role of the first system 10 and the management server 40 is to, when the management server 40 receives electronic payment request-related information from the mobile terminal 90 of the user, From the electronic payment request-related information, the type of electronic payment that the user wishes to use (usually one electronic payment, but may be multiple electronic payments) is specified, and the first system 10 and the plurality of management servers 140 of the plurality of second systems 110, one that is compatible with the electronic payment that matches the identified one or more electronic payments is selected, and the selected Electronic payment is performed using one or a plurality of management servers 40 and 140 .

FIG. 13 conceptually illustrates in a flow chart the operation of one variation of the multi-electronic payment system 1000 shown in FIGS. The modification shown in FIG. 13 has the hardware configuration in common with that shown in FIG.

In the modification shown in FIG. 13, the role of the first system 10 and the management server 40 is that, when the management server 40 receives the electronic payment request-related information from the user's mobile terminal 90, the received electronic payment request-related information from the plurality of management servers 140 of the plurality of second systems 110 to identify one or more businesses that are one or more payees for one or more charges imposed on the user, It is to select those managed by one or a plurality of specified business operators, and perform electronic settlement using the selected one or a plurality of management servers 140 .

In this modification, the management server 40 has only the function of selecting a plurality of second systems 140, that is, the settlement route selection function, and does not have the electronic settlement function. may

In any case, for the user, the management server 40 is directly connected to the portable terminal 90 of the user, and the management server 140 is not directly connected to the portable terminal 90. Therefore, it is possible to classify the management server 40 as the real management server and the management server 140 as the assumed management server. However, if the management server 40 does not have an electronic payment function, it may not be appropriate to refer to the management server 140 as a deemed management server as far as the task of electronic payment is concerned.

In terms of charge payment methods, as described above, the electronic payment system 1000 shown in FIGS. Designed to allow you to pay ahead.

On the other hand, in a modification of the multi-electronic payment system 1000 shown in FIG. 13, regardless of whether or not the types of electronic payments that can be handled by the plurality of second systems 110 are common or different (especially , if they are common to each other), the user pays for one second type purchase activity unit (for example, the same user prepays transportation expenses to transfer between multiple transportation facilities operated by different business entities) It is designed to enable global electronic settlement of multiple payees (e.g., multiple transit operators) for multiple payees (e.g., multiple transit operators).

Thus, for the example shown in FIG. 13, the term "multi-payment" is used to mean compounding separate payment units (payees) that a user can electronically pay for at one time. In other words, the term "multi-payment" as used herein means that the user can make a single payment for a plurality of individual charges with different payees by a single electronic payment.

A multi-electronic payment system 1000, which is a modification of this example, will be described below with reference to FIGS. 13 and 14, taking as an example a case in which a plurality of second systems 110 share a common type of electronic payment that can be handled. However, in FIG. 13, steps that are common to the steps shown in FIG. 11 are given the same step numbers, thereby omitting redundant explanations by text.

First, in step S1301, a user who desires electronic payment connects the mobile terminal 90 to the management server 40 of the first system 10 in accordance with step S1101 described above.

Specifically, the user is charged a fee in consideration of the business provided to the user by one or more second systems 140 (sale of tangible goods, provision of intangible services, etc.), and the fee is The whole of it is for only one second system 110, or it is divided into a plurality of charge parts (charges by payee) and individually for each of the corresponding plurality of second systems 110 by electronic payment To make a payment, the multi-electronic payment system 1000 will be used.

In relation to this step S1301, FIG. 14 shows an example of electronic payment request related information for composite payment charges for comprehensively electronically paying the composite payment charges to a plurality of payees for one type 2 purchase activity unit. It is shown.

Here, the "composite payment fee" is configured as a collection of a plurality of individual fees paid to a plurality of payment destinations different from each other, and these individual fees are paid to the corresponding payment destinations by the first system 10. . At least the total amount of the combined payment charges may be visually or audibly notified to the user via the mobile terminal 90 .

For example, it is common for a single user to travel from a starting point A to a destination point B using multiple modes of transportation (e.g., rental bicycles or cars, public buses, subways, trains, planes, taxis, etc.). Then, the user is required to directly access a different management server 140 with the portable terminal 90 and make an electronic payment for each means of transportation to be used.

On the other hand, according to this modified example, the user directly accesses the same management server 40 (one first system 10) only once using the mobile terminal 90, even though he/she changes a plurality of means of transportation. electronic payment only once.

As a result, according to this modification, it becomes possible for the user to comprehensively (for example, with a single electronic payment request) make electronic payment for a composite payment charge consisting of a plurality of types of individual charges. The overhead load and the communication load of the mobile terminal 90 are reduced.

Specifically, for this variant, it is assumed, for example, that the user prepays the total fare to the destination point B by electronic payment before using a transportation system at the departure point A.

In this case, the mobile terminal 90 transmits to the management server 40 an electronic payment request and a group of multiple use sections (corresponding to a group of multiple payment destinations and multiple payment items) for each transportation system. After that, the management server 40 sequentially selects, from among the plurality of management servers 140, those managed by the transportation facility that has jurisdiction over the section of use for each section of use, and sends the selected management server 140 an electronic Send the payment request, information about the corresponding utilization interval (identified by both the payee and the payment item), and the user's electronic payment information (eg, credit card number, etc.).

As a result, each applicable management server 140 electronically settles the fare for the applicable section using the applicable payment server 160 .

In response to execution of step S1301, management server 40 receives the electronic payment request-related information in step S1131.

Next, in step S1302, the management server 40 refers to the information relating to the payee, among the received electronic payment request-related information, to determine one or more payees for the fee charged to the user this time. determine. For the example shown in FIG. 12, one payee is determined for one electronic payment request, and for the example shown in FIG. 14, multiple payees are determined for one electronic payment request. .

Subsequently, in step S1303, the management server 40 selects one of the plurality of second systems 140 based on the received electronic payment request-related information to electronically settle the fee charged to the current user. select one or more second systems 140 to which to connect.

For example, if the electronic payment request-related information has only one payee, as illustrated in FIG. is selected as one second system 140 for . On the other hand, when the electronic payment request-related information has a plurality of payees, as illustrated in FIG. Select as a plurality of second systems 140 for settlement.

After that, in step S1304, the management server 40 transmits an electronic payment request for each payee together with electronic payment information, user identification information, and charge-related information to the management server 140 of each selected second system 110. .

In response, each selected management server 140 receives the corresponding electronic payment request-related information in step S1305, and then each management server 140 receives the received electronic payment request-related information in step S1306. By referring to the charge-related information in particular, the user calculates the amount of charge to be electronically settled to each management server 140 .

Subsequently, in step S1307, each management server 140 sends electronic payment request-related information to the payment server 160 corresponding to each management server 140; A result (execution result of step S1306, etc.) is transmitted.

According to this modified example, if the price for providing one event, service, or product to one user includes multiple types of fees corresponding to multiple payment destinations, the user can use the mobile terminal 90 By accessing the management server 40 only once in , it is possible to complete all electronic settlements for all payees, thereby improving convenience for the user.

Incidentally, in the example shown in FIG. 13, for convenience of explanation, the management server 40 in the first system 10 constitutes an example of the above-mentioned "settlement route selection server", and a plurality of second systems The plurality of management servers 140 at 110 can be considered to constitute an example of the aforementioned "plurality of management servers."

Additionally, in any of the multiple embodiments described above, when code reading payment is employed as electronic payment, payment server 160 is managed and operated by the code payment service provider. On the other hand, when credit card payment is adopted as electronic payment, the payment server 160 is managed and operated by the credit card payment service provider.

Unlike credit card settlement, code reading settlement does not require installation of a credit inquiry terminal in the systems 10 and 110, and thus has the advantage of reducing introduction costs to the systems 10 and 110. Therefore, the above-described technique is beneficial to administrators and operators of systems 10 and 110 .

Although some of the exemplary embodiments of the present invention have been described in detail above with reference to the drawings, these are examples, and a person skilled in the art can It is possible to implement the present invention in other forms with various modifications and improvements based on knowledge.

Claims (8)

A payment for a single unit of purchase activity in which a user purchases multiple purchase items at the same store, and which includes multiple individual charges to be paid to multiple payees that do not necessarily match, is defined as a single combined payment charge to the user. When a user is billed for a payment, multiple individual charges belonging to the composite payment charge can be collectively electronically settled when the user issues a single electronic payment request using a communication device. A multi-electronic payment system,
a plurality of management servers for each payee;
a selection server installed between a user's communication device and the plurality of management servers and commonly installed in the management servers, thereby making the management servers available to the user by networking them for multi-electronic payment. ,
The selection server receives electronic payment information about the combined payment fee from the communication device in response to a single electronic payment request from the communication device of the user, and is a relationship representing the relationship between the purchase item and the payee. One of the plurality of management servers is selected for each payment destination based on information including information and the type of electronic payment that the user desires to use, and electronic payment is sent to each of the selected management servers. transmitting a payment request together with purchase item related payment information corresponding to a purchase item corresponding to a payment destination corresponding to each of the selected management servers among the electronic payment information;
When receiving the electronic payment request and the corresponding purchase item-related payment information from the selected server, each management server selected for each payment destination receives the electronic payment request and the corresponding purchase item related payment information from the corresponding payment server. A multi-electronic payment system for making individual electronic payment requests for payment to payees corresponding to each of the selected management servers, out of the plurality of individual charges, for items that can be settled. The selection server is associated with a plurality of business entities that respectively manage the plurality of purchase items from among the plurality of management servers based on the relationship information included in the electronic payment information received from the user's communication device. 3. The multi-electronic payment system of claim 1, wherein one is selected. A program for causing a computer to function as a communication device in the multi-electronic payment system according to claim 1 or 2. A program for causing a computer to function as a selection server in the multi-electronic payment system according to claim 1 or 2. A program for causing a computer to function as a management server in the multi-electronic payment system according to claim 1 or 2. A recording medium on which the program according to claim 3 is computer-readable. A recording medium on which the program according to claim 4 is computer-readable. A recording medium on which the program according to claim 5 is computer-readable.

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