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WO2002039339A1 - Systeme de reglement mettant en oeuvre la radiotelephonie - Google Patents

Systeme de reglement mettant en oeuvre la radiotelephonie Download PDF

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Publication number
WO2002039339A1
WO2002039339A1 PCT/JP2001/006564 JP0106564W WO0239339A1 WO 2002039339 A1 WO2002039339 A1 WO 2002039339A1 JP 0106564 W JP0106564 W JP 0106564W WO 0239339 A1 WO0239339 A1 WO 0239339A1
Authority
WO
WIPO (PCT)
Prior art keywords
wireless telephone
balance
user
settlement
server
Prior art date
Application number
PCT/JP2001/006564
Other languages
English (en)
Japanese (ja)
Inventor
Katsumi Niwa
Original Assignee
Exit Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Exit Inc. filed Critical Exit Inc.
Priority to AU2002245889A priority Critical patent/AU2002245889A1/en
Publication of WO2002039339A1 publication Critical patent/WO2002039339A1/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Definitions

  • the present invention relates to a wireless telephone, a method of using the wireless telephone, a system for performing settlement using the wireless telephone, a settlement method thereof, and a program.
  • the present invention has been made in order to make wireless telephones more useful, a payment system which enables wireless telephones to be used as a passbook for savings and savings, wireless telephones used therefor, methods corresponding thereto, and wireless telephones.
  • the program to be executed is provided.
  • a wireless telephone according to claim 1 of the present invention which has been made to solve such a problem has an image display device, storage means for storing at least a balance of savings and deposits, and at least a savings account of a user of the wireless telephone.
  • Transaction history receiving means for receiving information including a deposit history, a withdrawal history, and a balance from a server in which the information is recorded, a deposit history, and a withdrawal history received by the transaction history receiving means ,
  • usage history display means for outputting the balance to the image display device. According to such a wireless telephone, since the balance is stored in the storage means, the balance can be queried at any time, and the balance is updated by the transaction history receiving means. You can know the latest balance without going.
  • connection means for connecting the wireless telephone to a terminal device installed in a commercial facility in advance, and the use in the commercial facility
  • the balance is updated by subtracting the payment from the balance in the storage means.
  • Means, and first matching means for communicating with the server and updating the balance of the server to the balance updated by the balance updating means.
  • the wireless telephone if the wireless telephone is taken to a commercial facility (for example, a department store, a restaurant, an amusement facility), and connected to a terminal device previously installed there via a connection means, The instant settlement is made possible by the balance updating means and the first matching means. Note that the same can be achieved by claim 3.
  • a commercial facility for example, a department store, a restaurant, an amusement facility
  • the present invention described in claim 3 is the wireless telephone according to claim 1, wherein the wireless telephone includes connection means for connecting the wireless telephone to a terminal device installed in a commercial facility in advance.
  • the terminal device when the user receives at least one of the sale of a product and the provision of a service at the commercial facility, deducts the price from the balance recorded in the server; The telephone is left over by the terminal device And a second matching unit that receives the height via the connection unit and matches the balance stored in the storage unit with the balance.
  • the balance of the server is corrected based on the balance stored in the storage means of the wireless telephone, but in claim 3, the balance stored in the storage means is corrected based on the balance stored in the server. ing. Even in this case, immediate settlement can be performed.
  • a usage content display means for outputting the received content and the price to the image display device is provided.
  • the content is displayed on the image display device, so that the user can confirm the payment content.
  • the wireless telephones described in claims 1 to 4 are described as a method of using the wireless telephones, respectively, according to the present invention described in claims 10 to 13, which are the same as the corresponding wireless telephones.
  • the effect can be achieved.
  • the program according to claim 19 causes a wireless telephone provided with a CPU capable of executing the program to function as the wireless telephone according to any one of claims 1 to 4. Therefore, when this program is executed by the CPU, it becomes a radio telephone having the corresponding means, and the same effect as the corresponding radio telephone can be obtained.
  • the present invention includes a terminal device installed in a commercial facility in advance, a storage device for storing at least a balance of savings and deposits, and a wireless telephone including a connection device for connecting to the terminal device, At least the deposit history, withdrawal history, and balance of the savings account of the wireless telephone user are recorded.
  • the server is a main part, and in a state where the terminal device and the wireless telephone are connected by the connection means, the user operates the commercial facility to sell products and services.
  • a settlement system using a wireless telephone comprising a settlement means for subtracting the payment from the balance in the storage means and the balance stored in the server when receiving at least one of the provisions. (Also referred to as a system).
  • the settlement means is configured to deduct the price, and the user may sell a product and provide a service from a commercial facility. Is performed on a settlement day which is a day after a predetermined number of days after receiving at least one of the following.
  • the payment is deferred for a predetermined number of days (for example, 30 days) after the purchase of the product, so that the user can use the above-mentioned deposit and saving method. While the possibility of overuse arises, it is possible to purchase the desired product by preparing the price within the grace period. In addition, it is possible for the person who manages the savings account (mainly financial institutions) to claim interest during the grace period.
  • a predetermined number of days for example, 30 days
  • a settlement date notifying unit that informs the user that the settlement date is near is provided. It is characterized by having.
  • the settlement date is notified by the settlement date notification means. It informs you that you are following you, so you can avoid forgetting to transfer money to your account if your account balance is insufficient.
  • To detect that the settlement date is approaching determine the number of days (for example, 3 days) in advance, and if it is the number of days before the settlement date, determine that it is j approaching. It is mentioned.
  • the settlement date informing means makes a call to the wireless telephone to thereby provide a user of the wireless telephone.
  • the feature is that it is reported to
  • the notification is made to the wireless telephone, so that it is not necessary to newly provide a configuration for the notification. It should be noted that, contrary to this description, if the wireless telephone has an e-mail function, substantially the same effect can be obtained even if it is notified by e-mail.
  • the balance stored in the server becomes smaller than a predetermined amount, the balance is reduced.
  • the balance notifying means when the balance is less than a predetermined amount (for example, 10,000 yen), the balance is notified to the user by the balance notifying means. it can. Similar to the settlement date notifying means, the balance notifying means may be notified by making a call to the user's wireless telephone, or if the wireless telephone has an e-mail function, it is notified by e-mail. May be.
  • a predetermined amount for example, 10,000 yen
  • FIG. 1A and 1B are explanatory diagrams of a mobile phone 1 used in a settlement system to which the present invention is applied.
  • FIG. 2 is a schematic explanatory diagram of one embodiment to which the settlement system of the present invention is applied.
  • FIG. 3 is an explanatory diagram showing an outline of a transaction flow in the settlement system of the present invention :
  • FIG. 4 is an explanatory diagram showing an example of a screen displayed on the display unit when making a payment using a mobile phone.
  • FIG. 5 is an explanatory diagram showing a state where a passbook screen is displayed on the display unit of the mobile phone.
  • FIG. 1A is an external view of a mobile phone 1 to which the present invention is applied
  • FIG. 1B is a block diagram of an internal configuration of the mobile phone 1.
  • the mobile phone 1 includes a display unit 15 configured by a liquid crystal display, arrow keys 17, function keys 19, and numeric keys 20.
  • the mobile phone 1 communicates with the base station constituting the mobile phone network by modulating and demodulating signals transmitted and received via the antenna 21 in addition to the display section 15, arrow keys 17 and function keys 19 described above.
  • a transmitter / receiver 23 for performing wireless communication with a telephone, for outputting voice signals transmitted from other telephone devices as voice during a call and for notifying the user that a calling signal has been transmitted from the base station.
  • the control unit 29 is configured as a microcomputer and includes a CPU 31, a ROM 33, and a RAM 35, a bus line (not shown) for connecting these components, and an IZ0 for connecting these components. (Not shown).
  • the mobile phone 1 also has a clock with a calendar. Then, the function as a general mobile phone 1 is realized by executing a program stored in R0M33.
  • Examples of the various control processes include the following. That is, a calling process for transmitting a dial number for calling another telephone device from the transmitting / receiving unit 23 to the base station, and when a calling signal is received from the base station, a ringing tone is output from the voice output unit 25.
  • a calling process for transmitting a dial number for calling another telephone device from the transmitting / receiving unit 23 to the base station, and when a calling signal is received from the base station, a ringing tone is output from the voice output unit 25.
  • the transmission / reception section 23 is activated.
  • the called telephone device is connected to the mobile phone network, and the call with the called party's telephone device becomes possible.
  • the user transmits and receives the voice signal input from the voice input unit 25.
  • Voice input / output processing for generating a voice from the voice output unit 25 based on the transmitted voice signal, and when the mobile phone 1 is connected to the base station, The processing includes a disconnection process for disconnecting the connection when a command to disconnect the connection with the base station is input, and a mail process for transmitting and receiving e-mail via the Internet.
  • FIG. 2 shows a schematic explanatory diagram of one embodiment of the settlement system of the present invention.
  • this system is composed of a user 41 who owns (or intends to own) a mobile phone 1, a payment institution 43, a commercial facility 45, One bar 47 is composed as the main part.
  • Settlement institutions 43 include banks, securities companies, agricultural cooperatives and post offices, and commercial facilities 45 include department stores, restaurants and amusement facilities.
  • the settlement institution 43 and the server 47 are shown as being separated from each other, but the server 47 is installed in the settlement institution 43 (of course, as shown in this figure, another May be installed at the location).
  • FIG. 3 shows the procedure for using this system.
  • the numbers (1) to (5) correspond to the numbers in FIG.
  • user 4 1 does not yet have mobile phone 1.
  • S an account opening to the clearing house 43 at step (hereinafter referred to as S) 100 (1). This may be done by the user 41 going directly to the store of the settlement institution 43, or by applying via the Internet or by mailing the application documents.
  • mobile phone 1 is issued to the user in S110 (2). In this mobile phone 1, the phone number and the account number are linked (S120), and the user 41 designates his / her account by using the mobile phone 1 without being aware of the account number. Has been made possible.
  • the opening of the account is completed (S130).
  • the deposited amount is stored in a non-volatile memory area in the RAM 35. This area corresponds to the storage means of the present invention.
  • the user 41 receiving the mobile phone 1 goes to the commercial facility 45 to use the service for purchasing the product (S140: (3): "Purchase the product” in Fig. 2). ).
  • a terminal (not shown) installed in the commercial facility 45 is connected to the mobile phone 1 by inserting a cable into the connector 28.
  • the connector 28 corresponds to the connection means of the present invention.
  • This terminal device is connected to the server 47.
  • the user 4 1 presses the function key 1 9 of the mobile phone 1 to display the menu screen (Fig. (Not shown), and further operate the arrow keys 17 and function keys 19 to call up the screen shown in Fig. 4.
  • This screen displays the area 51 for displaying the account number, the area 53 for displaying the bankbook balance, the area 53 for displaying the bankbook balance, the area 53 for displaying the bankbook balance, and the current date.
  • the area consists of five areas: 55, an area displaying purchased prizes and prices, and an area displaying total purchases.
  • areas 57 and 59 are blank.
  • authentication is performed (S150: (4)). This is performed by the user 41 inputting the personal identification number using the numeric keys 20 of the mobile phone 1. Each time a user 4 1 enters one numeric key, an asterisk (*) is displayed in area 6 1, and if the password is correctly entered, “ ⁇ Hata” is displayed in column 63 and authentication is completed. . If the password is incorrect, “ ⁇ ” will be displayed in column 65 to prompt the user to re-enter the password.
  • the user checks the purchase data of the product. When the clerk at the commercial facility 45 operates the terminal device based on the purchase intention from the user 41, for example, the product name and its price are displayed in the area 57 as shown in the figure, 5 9 shows the total amount. This corresponds to the use content display means of the present invention. Looking at this display, the user 41 confirms the product he / she is going to purchase and its price.
  • Calling 47 downloads transaction data from the server 47 and corresponds to the transaction history receiving means of the present invention.
  • the usage amount (the amount displayed in the area 59) is deducted from the balance in the server 47 (corresponding to the second matching means of the present invention), and the usage amount of the balance in the RAM 35 is also reduced. It is updated to the subtracted value (S180: corresponds to the balance updating means of the present invention. It should be understood that the second matching means and the balance updating means collectively correspond to the settlement means of the present invention. You can also).
  • the date and time of purchase and the name of the commercial facility 45 are also recorded in RAM 35. The date and time of purchase are based on the date and time of the calendar clock of the mobile phone 1, and the name of the commercial facility 45 is input from the terminal device via a cable. If the balance is less than the usage amount, settlement is not possible. When the settlement is completed in this way, the updated balance is displayed in the area 55 (S190).
  • the mobile phone 1 can display the same screen as a conventional passbook. This is shown in Figure 5. This screen is called by pressing the function key 19 and calling the menu screen, and operating the arrow keys 17 and the function keys 19 in the same manner as the screen of FIG. 4 is called. As shown in this figure, on this screen, the date of use, payment amount, deposit amount, application, and balance are displayed based on the contents recorded in RAM 35. This processing corresponds to the use history display means of the present invention. Therefore, if you look at this screen, you can know the usage status and balance of the deposit, as with the conventional passbook.
  • the present invention is not limited to this embodiment and can be implemented in various modes. Used, but PH The same thing may be realized using s.
  • the terminal device installed in the commercial facility 45 and the mobile phone 1 are connected via the connector 28, they may be connected wirelessly. That is, the terminal device may be configured to be able to make a call from the mobile phone 1 so that the product data can be confirmed and authenticated.
  • the debit may be made after a predetermined period (for example, one month).
  • the settlement institution 4 3 can obtain interest from the user 4 1 for the period.
  • the settlement institution 43 automatically makes a call to the mobile phone 1 to notify the user that the settlement date is near. This may correspond to the settlement date notification means of the present invention, and the notification may be configured to reach the mobile phone 1 by e-mail.
  • the settlement institution 43 “calls to the mobile phone 1 that informs that the settlement date is near j. Alternatively, it may be configured to reach the mobile phone 1 by e-mail, etc. This corresponds to the balance informing means of the present invention.
  • the commercial facility 45 and the server 47 may not be connected, and the mobile phone 1 may be used as a communication terminal to perform balance inquiry and settlement displayed in the area 53.
  • the date and time recorded in the RAM 35 may be received from the communication terminal of the commercial facility 45 or the server 47 instead of the calendar of the mobile phone 1.
  • the screen display of FIG. 5 is performed based on the stored contents of the RAM 35, it may be performed by other methods. For example, by integrating with the passbook entry function described above, every time the screen shown in Fig. 5 is called, the mobile phone 1 accesses the server 47, downloads and displays the transaction data stored in the server 47. You may do it.
  • the wireless telephone a device that functions as the wireless telephone of the present invention by loading a specific program into the RAM 35 and executing the program may be used.
  • a wireless phone such as a mobile phone can be used as a bankbook.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

Selon cette invention, un utilisateur (41) demande à ouvrir un compte auprès d'une agence de règlement (43). Un téléphone portable (1) est ensuite fournit à l'utilisateur. Lorsque l'utilisateur (41) effectue un payement à l'agence de règlement (43), l'ouverture du compte est terminée. Le montant d'argent ainsi versé est conservé dans la zone de stockage non volatile d'une mémoire vive (35). L'utilisateur (41) se rend dans un établissement commercial (45) et achète un article commercial. A ce moment-là, un terminal installé au préalable dans l'établissement commercial (45) est relié au téléphone portable (1). Ce terminal est également relié à un serveur (47). Ensuite, l'authentification est réalisée. Lorsqu'un employé de l'établissement commercial (45) fait fonctionner le terminal, sur la base d'une intention d'achat de l'utilisateur (41), des données d'achat détaillées sont transmises au serveur (47). Par conséquent, un montant d'argent pour l'achat est payé à partir du solde dans le serveur (47) et le solde dans le téléphone portable (1) est mis à jour à un certain montant après le payement.
PCT/JP2001/006564 2000-11-13 2001-07-30 Systeme de reglement mettant en oeuvre la radiotelephonie WO2002039339A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002245889A AU2002245889A1 (en) 2000-11-13 2001-07-30 Settlement system using radio telephone

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
JP2000345199 2000-11-13
JP2000-345199 2000-11-13
JP2001-202266 2001-07-03
JP2001202266A JP2002189855A (ja) 2000-11-13 2001-07-03 無線電話、無線電話の使用方法、無線電話を用いた決済システム、無線電話を用いた決済方法、およびプログラム

Publications (1)

Publication Number Publication Date
WO2002039339A1 true WO2002039339A1 (fr) 2002-05-16

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PCT/JP2001/006564 WO2002039339A1 (fr) 2000-11-13 2001-07-30 Systeme de reglement mettant en oeuvre la radiotelephonie

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JP (1) JP2002189855A (fr)
AU (1) AU2002245889A1 (fr)
WO (1) WO2002039339A1 (fr)

Families Citing this family (2)

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Publication number Priority date Publication date Assignee Title
JP2005210221A (ja) * 2004-01-20 2005-08-04 Vodafone Kk 通信サービス管理方法、利用料金管理装置及び通信サービス管理システム
KR20090097960A (ko) 2007-01-09 2009-09-16 비자 유에스에이 인코포레이티드 임계 표시자를 구비하는 모바일 전화기 지불 프로세스

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POWER, CAROL: "Two U.K. banks cancel experiments of catch-all information service", AMERICAN BANKER, vol. 165, no. 159, 18 August 2000 (2000-08-18), pages 1, XP002948374 *

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AU2002245889A1 (en) 2002-05-21

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