JP2005208821A - Electronic purchasing system, arm wearing-type personal terminal, electronic purchase method and computer program for electronic purchase - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a purchase system which establishes both the convenience and safety of the user by reducing the workload of a user at the time of purchasing, reducing illegal settlement, and easily discriminating illegal settlement. <P>SOLUTION: This electronic purchase system is provided with: an arm wearing-type portable terminal 100 which is made portable by putting it on the arm of a user and provided with a purchase data receiving means for receiving the purchase data of a user, a memory means for recording the purchase data and a display means for displaying the purchase data or processing data obtained by applying predetermined processing to the purchase data; and a store device 200 having a purchase data generating means for generating purchase data, a purchase data transmitting means for transmitting the purchase data to the arm wearing-type portable terminal and a settlement processing means for performing settlement processing based on the purchase data. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to an electronic purchase system, an arm-mounted portable terminal, an electronic purchase method, and an electronic purchase computer program.

  Conventionally, in a store such as a supermarket, when a consumer puts a product in a basket and takes it to the cash register, the store clerk inputs the product price into the POS terminal using a barcode reader or the like, and the amount is presented. In general, a consumer makes a payment with cash or a card and receives a receipt. In particular, in recent years, various payment systems for improving the convenience of consumers and stores have been proposed, such as an increase in payment by cards and the start of use of electronic money.

For example, a network system including a POS terminal installed in a store or the like, a computer system of a financial institution, and a user terminal is configured and stored in the user's ID card when the user purchases a product. A method has been proposed in which the purchase price of the product is deducted from the account of the financial institution and the payment is made, and the purchase amount and the purchase date and time are transmitted to the user terminal and the household account book creation process is performed on the user terminal (for example, See Patent Document 1 below).
JP-A 1-1120665

  However, in the above-described conventional purchasing method, even if the user uses an ID card to make a payment, the user must receive a separate receipt at the store, check the amount, etc., and take this receipt home with the user terminal. If it is not checked against the household account book, it cannot be confirmed whether or not the payment has been made properly, and there is a problem that it is not convenient for the user while constructing an electronic transaction system.

  In addition, since the above ID card is easily lost, it is likely to be used illegally, and since the ID card is often handed over to the store clerk at the time of settlement, the ID card information is copied by the store clerk, There is also a problem that this may lead to an illegal settlement due to forged clone cards.

  Further, in the system described in Patent Document 1, although convenience for the user is improved, purchase data is automatically transmitted from a computer system of a financial institution even if an illegal settlement is performed using the above-described clone card or the like. Since it is included in the household account book, it is difficult to discriminate fraudulent payments.

  Therefore, the present invention solves the above-described problems, and the problem is that it is possible to reduce the amount of work of the user at the time of purchase, to reduce unauthorized payments, and to easily discriminate unauthorized payments. Accordingly, it is an object of the present invention to provide a new purchase system capable of achieving both user convenience and safety.

  In order to solve the above problems, an electronic purchase system of the present invention is configured to be portable while worn on a user's arm, and purchase data receiving means for receiving purchase data of the user, Recordable memory means, wrist-worn portable terminal provided with display means capable of displaying the purchase data or processing data obtained by performing predetermined processing on the purchase data, and purchase data generation for generating the purchase data And a store device including a purchase data transmission unit that transmits the purchase data to the wrist-worn portable terminal, and a payment processing unit that performs a payment process based on the purchase data.

  According to the present invention, when a user wearing a wrist-worn portable terminal purchases a product or the like at a store, the purchase data generation unit of the store device generates the product purchase data, and the purchase data is purchased. When transmitted to the wrist-worn portable terminal by the data transmitting means, the purchase data is received by the purchase data receiving means in the arm-mounted portable terminal, so that the user displays the purchase data or the processing data on the display means. Can be confirmed. Further, since the user can record the purchase data or the processing data in the memory means, it is possible to hold the data and compare it later with the settlement data. Therefore, even if the user does not give the wrist portable information terminal to the store clerk or the like, the user can obtain the purchase data or the processing data electronically while wearing it on the arm, and it is possible to compare and check the settlement data using this. Therefore, it is possible to ensure security by eliminating the risk of loss or theft of information, eliminating the need to take back receipts, and making it easier for users to know whether there are unauthorized payments. Remarkably improved.

  Here, the payment processing of the store device is not limited to processing for making a payment by connecting to a bank or a card company or the like, but is a payment reservation processing for making a payment reservation, or a user pays cash at the store. Including processing for cash receipt and confirmation. The purchase data generation means of the store apparatus includes means for inputting the type, price, quantity, etc. of the product or service that the user intends to purchase. This means is not limited to the same configuration as that of a normal POS system in which a store clerk inputs a barcode attached to a product using a manual input by a store clerk or a bar code reader, and is attached to the product. A configuration for inputting data wirelessly from the IC tag is also included.

  In the present invention, it is preferable that the display means is configured to always display the time and to display the purchase data or the processing data at the time of purchase. According to this, since the wrist portable information terminal can be used as a wristwatch at all times, it has a meaning to always carry it, so that it is less likely to be left behind.

  In the present invention, it is preferable that the wrist-worn portable terminal further includes an output unit capable of outputting the purchase data or the processing data. According to this, it becomes possible to output purchase data or processing data by the output means of the wrist portable mobile terminal and use it in various forms.

  In the present invention, the electronic purchasing system is configured to input the purchase data or the processing data via the output means of the wrist-worn portable terminal, and process the purchase data or the processing data. It is preferable to further have a household account book processing device provided with household account book processing means for recording in the household account book. According to this, when the purchase data or the processing data is output to the household account book processing device using the output means of the wrist-worn portable terminal, the purchase data or the processing data is input by the input means of the household account book processing device. The data is reflected in the household account book by the processing means. This eliminates the need for the user to manually input purchase data and processing data to the household account book processing apparatus, thereby further improving the convenience for the user.

  In this case, the household account book processing device can be constituted by a normal computer device that stores a computer program corresponding to the household account book processing means, such as a personal computer. Further, the household account book processing device is preferably configured so that payment information can be referred to, viewed, and acquired by a method such as connecting to a payment system (such as a server) such as a bank or a card company via a communication line. . Thereby, it is possible to confirm whether or not the purchase data or processing data brought back by the user himself / herself at the wrist portable information terminal and the settlement information are consistent. In particular, it is desirable to provide data collating means for comparing and collating settlement information received from the settlement system with household account book data.

  In the present invention, the wrist-worn portable terminal further includes identification information transmitting means for transmitting the identification code to the store apparatus, the store apparatus receiving identification information receiving means for receiving the identification code, and the identification It is preferable to further include identification information collating means for collating the code. According to this, since the identification code is sent from the wrist-worn type portable terminal to the store apparatus, the store apparatus can perform the verification process of the identification code. For example, it can be confirmed whether or not the user is registered in the store apparatus, and the payment state of the user can be confirmed according to the identification code. Furthermore, the payment processing can be performed by the payment processing means using the identification code.

  In the present invention, the arm-mounted portable terminal further includes a biometric information input unit that inputs the biometric information of the user, and a biometric information transmission unit that transmits the biometric information to the store device. It is preferable to have biometric information receiving means for receiving the biometric information and ecological information collating means for collating the biometric information. Accordingly, since the user who owns the wrist-worn portable terminal can be identified on the store side, it can be confirmed whether or not the user who owns the portable terminal is an authorized user. In particular, when the identification information transmitting means is provided in the wrist-worn portable terminal and the identification information receiving means is provided in the store apparatus, by comparing and collating the identification code and the biological information by the ecological information matching means, It can be confirmed whether or not the wrist-worn portable terminal is worn by the user. The biometric information includes information based on the user's fingerprint, palm pattern, iris pattern, face shape, and the like.

  In the present invention, it is preferable that the store apparatus further includes a biometric information input unit that inputs the biometric information of the user and a biometric information collating unit that collates the biometric information. Thus, since the user who owns the wrist-worn type portable terminal can be identified, it can be confirmed whether or not the user who owns the portable terminal is an authorized user at the store side. In particular, when the identification information transmitting means is provided in the wrist-worn portable terminal and the identification information receiving means is provided in the store apparatus, by comparing and collating the identification code and the biological information by the ecological information matching means, It can be confirmed whether or not the wrist-worn portable terminal is worn by the user. Here, the biometric information includes information based on a user's fingerprint, palm pattern, iris pattern, face shape, and the like. In addition, when the biometric information input unit and the biometric information transmission unit are provided in the wrist-worn portable terminal, the user may input the biometric information using any of the biometric information input units, for example, Even if the biometric information input by the biometric information input means of the wrist-worn portable terminal is transmitted to the store apparatus by the identification information transmitting means, it cannot be transmitted and received for some reason, or the biometric information is prevented from being stolen. When the user does not want to transmit biometric information, the biometric information input means of the store apparatus can be used.

  Next, the wrist-worn type portable terminal of the present invention is a wrist-worn type portable terminal that can be carried while worn on the user's arm, the purchase data receiving means for receiving the purchase data of the user, the purchase It has memory means capable of recording data or processing data obtained by subjecting the purchase data to predetermined processing, and display means capable of displaying the purchase data or the processing data.

  According to the present invention, when a user wearing a wrist-worn portable terminal purchases a product or the like at a store, purchase data transmitted from the store can be received by the purchase data receiving means. Can display purchase data or processing data on the display means, and can confirm this. Further, since the user can record the purchase data or the processing data in the memory means, it is possible to hold the data and compare it later with the settlement data. Therefore, even if the user does not give the wrist portable information terminal to the store clerk or the like, the user can obtain the purchase data or the processing data electronically while wearing it on the arm, and it is possible to compare and check the settlement data using this. Therefore, it is not necessary to bring back a receipt while ensuring security, such as the possibility of loss or theft of information, etc., and the convenience of the user is remarkably improved because it is possible to easily know the presence or absence of fraudulent payments. .

  In the present invention, it is preferable that the display means always displays a time and displays the purchase data or the processing data at the time of purchase. According to this, since the wrist portable information terminal can be used as a wristwatch at all times, it has a meaning to always carry it, so that it is less likely to be left behind.

  In the present invention, it is preferable that the wrist-worn portable terminal further includes an output unit capable of outputting the purchase data or the processing data. According to this, it becomes possible to output purchase data or processing data by the output means of the wrist portable mobile terminal and use it in various forms.

  In the present invention, it is preferable that the wrist-worn portable terminal further includes identification information transmitting means for transmitting an identification code. According to this, since the identification code can be sent from the wrist-worn type portable terminal to the store side, the store side can be made to perform processing according to the identification code. For example, on the store side, it is possible to confirm whether or not the user is a registered user, check the user's payment status according to the identification code, or perform payment processing by a predetermined payment processing means. You can also

  In this invention, it is preferable that the said arm mounting | wearing type portable terminal further has a biometric information input means for inputting the biometric information of the user, and a biometric information transmitting means for transmitting the biometric information. Accordingly, since the user who owns the wrist-worn portable terminal can be identified on the store side, it can be confirmed whether or not the user who owns the portable terminal is an authorized user. In particular, when the identification information transmitting means is provided in the arm-mounted portable terminal, the arm-mounted portable terminal is mounted on the user by comparing and comparing the identification code and the biological information on the store side. It can be confirmed whether or not. The biometric information includes information based on the user's fingerprint, palm pattern, iris pattern, face shape, and the like.

  Next, the electronic purchase method of the present invention is configured to be portable while worn on a user's arm, and purchase data receiving means for receiving purchase data of the user, the purchase data or the purchase data having a predetermined value. Memory means capable of recording processed data obtained by processing, wrist-worn type portable terminal provided with display means capable of displaying the purchase data or the processed data, and purchase data generating means for generating the purchase data; Communication between the purchase data transmitting means for transmitting the purchase data to the wrist-worn mobile terminal, and a store apparatus provided with a payment processing means for performing a payment process based on the purchase data, The purchase data or the processing data is transmitted from the above to the wrist-worn mobile terminal and received by the purchase data receiving means of the arm-worn mobile terminal. And displaying the over data or the processed data by said display means and records in the memory means.

  Further, the computer program of the present invention includes a recognition information transmitting means for transmitting recognition information to the store side, a purchase data receiving means for receiving purchase data transmitted from the store side, the received purchase data or the purchase. It is a computer program for functioning as means for recording processing data obtained by performing predetermined processing on data in a memory and means for displaying the purchase data or the processing data on a display means.

  Here, it is preferable that the portable computer further function as biometric information input means for inputting biometric information of a user and biometric information transmission means for transmitting the biometric information to the store side.

  According to the present invention, it is not necessary for the user to receive the receipt and take it home, and the purchase data and the processing data can be electronically confirmed, or the purchase data and the processing data can be acquired and used in various ways. , User convenience is significantly improved.

  In addition, since the arm-mounted information terminal is always worn on the arm, there is little risk of loss, and it is possible to eliminate the need to hand it over to the store even temporarily, so there is no risk of illegal theft of information. Can be reduced.

  In addition, purchase data and processing data can be taken home on an arm-mounted portable terminal and input to the household account book processing device, making it possible to easily create a household account book and to easily find fraudulent payments, etc. Can do.

  And since a user can be easily confirmed by exchanging an identification code etc. with the store side, it becomes possible to perform a payment process easily. In particular, it is possible to deal with unauthorized possession of wrist-worn portable terminals by exchanging user biometric information.

  Next, embodiments of the present invention will be described in detail with reference to the accompanying drawings. FIGS. 1A and 1B are schematic perspective views showing the appearance of an arm-mounted portable terminal 100 according to this embodiment. 2A is a side view mainly showing the main body 110 of the wrist-worn portable terminal 100, and FIG. 2B is a plan view.

  As shown in FIG. 1A, the wrist-worn portable terminal 100 includes a main body 110 and a band 120 made of metal, synthetic resin, leather, artificial leather, etc. for mounting the main body 110 on the arm. It has. On the surface of the main body 110, a main body display section 110G composed of a liquid crystal display body or an organic electroluminescence display body is provided, and an operation switch 113 and an optical reading section 114 are provided. As shown in FIG. 2B, the optical reading unit 114 is formed with a window 114a for reading a fingerprint of a finger and a switch unit 114b provided adjacent to the window 114a. . A CCD, CMOS sensor, or the like is disposed inside the window 114a. When a finger is placed on the window 114a and the switch 114b and pressed lightly, the switch 114b is pressed and the fingerprint is optically read. It is configured.

  Further, as shown in FIGS. 1B and 2A, the main body 110 includes a base portion 111 attached to the band 120 and a lid portion 112 connected to the base portion 111 so as to be openable and closable. And. A base body display portion 111G composed of a display body similar to the above is also provided on the surface of the base body portion 111, and the inner surface side of the lid body portion 112 (when the lid body portion 112 covers the base body portion 111, the base body An inner surface display portion 112G formed of a display body similar to the above is also provided on the side facing the portion 111, that is, on the back surface side of the main body display portion 110G. The main body display units 110G, 111G, and 112G constitute display means of the present invention.

  This wrist-worn portable terminal 100 includes an MPU (microprocessor unit) including a CPU (central processing unit), a memory composed of a RAM and a ROM, an input / output circuit for various signals, a data transfer bus, and the like. Built-in. The memory stores a computer program (mobile control program) for causing the MPU to perform a predetermined operation and data necessary for the predetermined operation. In addition, a display driving circuit for driving the display bodies, a switch circuit for inputting operation information for the operation switches, a clock circuit for operating the CPU, and the like are provided. Further, as shown in FIG. 1A, the wrist-worn portable terminal 100 is configured to always display time information such as date and time on the main body display unit 110G. It also has a built-in timer circuit and a memory for recording time data. At the time of purchase, which will be described later, purchase data, processing data, requirements from the store apparatus, and the like may be displayed on the main body display unit 110G. It may be performed separately for the unit 112G.

  The wrist-mounted portable terminal 100 according to the present embodiment is provided with a wireless communication unit, which will be described in detail later, for performing short-range wireless communication such as Bluetooth or wireless LAN standard with a store apparatus described later. Therefore, a transmission / reception circuit, an antenna, a buffer memory, and the like for enabling wireless communication by the wireless communication unit are also incorporated. These configurations correspond to the purchase data receiving means of the present invention.

  FIG. 3 is a schematic perspective view of a store apparatus 200 in which the wrist-worn portable terminal 100 can be used. The store apparatus 200 includes a conveyor 200CV including a tray 200T on which a user places a container BK such as a basket. The conveyor 200CV moves in a direction in which the user travels, and the product GD placed on the tray 200T. Alternatively, the container BK is transported so as to sequentially pass through the product registration zone I, the user authentication zone II, and the settlement processing zone III. Further, the store apparatus 200 includes a product registration unit 210 arranged in the product registration zone I, a user authentication unit 220 arranged in the user authentication zone II, and a payment processing unit 230 arranged in the payment processing zone III. And a control processing unit 240 for controlling each unit.

  The product registration unit 210 is provided with a registration antenna 211 for reading an IC tag (not shown) attached to a product (not shown) placed in the container BK, for example. As is well known, this IC tag is an electronic wireless tag incorporating a recording means such as an IC memory and an antenna for enabling wireless communication. Therefore, product information (cost item, price, etc.) recorded on a plurality of IC tags attached to a plurality of products can be easily read. In addition, a flag indicating that (processed) may be recorded on the IC tag of the product that has been read. Further, a data transmission antenna 212 for transmitting purchase data generated based on the registered product data to the wrist-worn portable terminal 100 is also provided.

  The user authentication unit 220 is provided with an authentication antenna 221 for performing wireless communication with the wrist-worn portable terminal 100. An optical sensor 222 is also provided for reading the user's biological information. Between the user authentication unit 220 and the arm-mounted portable terminal 100, an identification code of the arm-mounted portable terminal (including the user name, abbreviation, and account number), biometric information described later, and the like are exchanged. Is done.

  Further, the settlement processing unit 230 is provided with a settlement antenna 231 for performing wireless communication with the wrist-worn portable terminal 100. Further, the settlement processing unit 230 is provided with a settlement operation unit 230S and a cash delivery unit 232. The settlement operation unit 230S is provided with one or a plurality of operation switches. By operating these operation switches, it is possible to select whether settlement is possible or a settlement method is selected. The cash delivery unit 232 is provided with a cash slot, and the cash inserted into the cash slot and the change are carried out.

  The control processing unit 240 incorporates a control unit to be described later for controlling the product registration unit 210, the user authentication unit 220, and the settlement processing unit 230. The control unit includes a CPU (Central Processing Unit), a memory constituted by a RAM, a ROM, etc., an MPU (Microprocessor Unit) including various signal input / output circuits, a data transfer bus, and the like. The memory stores a computer program (store control program) for causing the MPU to perform a predetermined operation and data necessary for the predetermined operation. In addition, the control processing unit 240 is provided with a control display unit 240G. Under the control of the control means, the control display unit 240G displays the operation state of the store apparatus 200 and various displays for guiding operations to the user, for example, purchase data such as merchandise, and payment to the user. Display that prompts for approval, display that payment is not possible, display of advertisements for various products, etc. are performed. Moreover, it is preferable that the store side maintenance can be performed using the control display unit 240G.

  The control processing unit 240 is provided with a gate 241 as shown in FIG. Normally, the gate 241 is open and is configured to be closed if there is any problem as described later. However, it may be configured so that it is always closed and opened when the user's payment is completed normally. The control unit of the control processing unit 240 is configured to send a control signal to a gate driving unit (not shown) and to control the open / closed state of the gate 241 by the gate driving unit.

  FIG. 4 is a schematic configuration diagram showing an example of the overall configuration of an electronic purchase system that uses the wrist-worn portable terminal 100 and the store apparatus 200. As described above, information exchange using short-range wireless communication is performed between the wrist-worn portable terminal 100 and the store apparatus 200. The store apparatus 200 is connected to the payment system 300 via a communication line or the like. This payment system 300 is constituted by an electronic payment system of a bank, an electronic payment system of a card company, or the like. For example, when code information corresponding to the user's recognition information is transmitted from the store apparatus 200 to the payment system 300, the payment information of the user is returned from the payment system 300. Based on this payment information, The store apparatus 200 determines whether or not the user is in a state where payment is possible. In addition, when a payment request is transmitted from the store apparatus 200, the payment system 300 processes this and returns a reply that the payment processing is completed.

  In the electronic purchase system according to the present embodiment, purchase data or some processing related thereto, for example, purchase data is associated with a user-specific set cost or converted into a display mode set by the user from the wrist-worn portable terminal 100. The household account book processing device 400 is configured to be able to input processing data obtained by performing such processing. This household account book processing apparatus 400 can usually be configured by installing a household account book processing computer program in a computer device such as a personal computer. Delivery of purchase data or processing data from the wrist-worn portable terminal 100 to the household account book processing apparatus 400 is performed by an output means (a PC communication unit 100C described later) built in the arm-mounted portable terminal 100 and the household account book processing apparatus 400. It can be performed by the input means (input means 400B described later) provided in. These output means and input means include a serial interface such as USB (Universal Serial Bus) and RS-232C, a SCSI (Small Computer System Interface) such as IEEE 1394, a parallel interface such as Centronics, Ethernet (registered trademark), and other LAN standards. For example, various wireless input / output systems such as a wireless LAN, an infrared communication system, and Bluetooth can be employed.

  The household account book processing apparatus 400 normally processes the data after inputting the purchase data or the processing data and incorporates the data into the household account book. In this case, if there is no perfect consistency between the purchase data or processing data and the household account book data, some conversion processing is performed to convert the purchase data or processing data into the household account book data. Data will be incorporated into the household account book.

  Further, the household account book processing device 400 can be configured to be connected to the payment system 300 via various communication lines such as the Internet and specific lines. Here, it can be configured such that an inquiry request is transmitted from the household account book processing device 400 to the payment system 300 and the payment information is transmitted from the payment system 300 to the household account book processing device 400 in response thereto. In this case, the household account book processing device 400 is preferably provided with a means for comparing and comparing the payment information transmitted from the payment system 300 with the purchase data, the processing data, or the household account book data. In this way, it is possible to easily confirm whether or not there is consistency between the information actually purchased by the user and the payment information transmitted by the payment system 300. This has the advantage that it can be confirmed whether or not fraudulent payment has been made, and also checks the data that was not transferred to the household account book processing device 400 even though the user himself purchased and settled. There is also an advantage that it can be done.

  In addition, you may comprise so that said arm mounting | wearing type | mold portable terminal 100 can be connected to the payment system 300 or the household account book processing apparatus 400 via a communication line as needed. In this way, it is possible to confirm payment information only with the wrist-worn portable terminal 100 and to confirm the consistency between the purchase data or processing data and the payment information. The purchase data or the processing data can be transmitted to the device 400, or the household account book data can be received from the household account book processing device 400.

  FIG. 5 is a schematic configuration diagram showing a schematic hardware configuration of the wrist-worn portable terminal 100. The wrist-mounted portable terminal 100 is entirely controlled by a control unit 100A configured by an MPU or the like. A wireless communication unit 100B is connected to the control unit 100A, and the wireless communication unit 100B is provided with a configuration that enables short-range wireless communication such as a transmission / reception circuit. A built-in antenna (not shown) is preferably connected to the wireless communication unit 100B.

  The control unit 100A is connected to the operation switch 113 and the optical reading unit 114, receives an operation signal output from the operation switch 113, and receives biological information (such as a fingerprint image) read by the optical reading unit 114. It is configured. The control unit 100A is connected to the PC communication unit 100C, and is configured to be able to output purchase data or processing data to the household account book processing device 400 via the PC communication unit 100C.

  The control unit 100A is configured to control the display driving units 110D, 111D, and 112D and to drive the main body display unit 110G, the base body display unit 111G, and the inner surface display unit 112G via these. In the wrist-worn portable terminal 100, the main body display unit 110G, the base body display unit 111G, and the inner surface display unit 112G can be replaced with a single display body. In this case, only one display driving unit is required.

  Note that the wrist-worn portable terminal 100 may include an external communication unit 100E that can be connected to the Internet, a specific line, or the like, as indicated by a dotted line in FIG. In this case, the external communication unit 100E can communicate with the payment system 300, the household account book processing device 400, and the like.

  FIG. 6 is a schematic configuration diagram showing a schematic hardware configuration of the store apparatus 200. In the store apparatus 200, the control unit 200 </ b> A is entirely controlled in the control processing unit 240 by an MPU or the like. The control unit 200A is connected to a wireless communication unit 200B, and the wireless communication unit 200B is provided with a configuration that enables short-range wireless communication such as a transmission / reception circuit. The data transmission antenna 212, the authentication antenna 221 and the settlement antenna 231 are connected to the wireless communication unit 200B. The wireless communication unit 200B performs short-range wireless communication with the wrist-worn portable terminal 100 based on the control signal of the control unit 200A.

  Further, the product recording unit 200C to which the registration antenna 211 is connected is connected to the control unit 200A. The product recording unit 200C reads product information from an IC tag attached to the product based on a control signal from the control unit 200A, and sends the product information to the control unit 200A to register the product information. Specifically, the read merchandise information is recorded in a merchandise recording area 200K1 in a memory area 200K (actually configured in a memory constituting the control unit 200A) indicated by a one-dot chain line in the drawing. In addition, the product recording unit 200C is configured to write a flag indicating that it has been registered in an IC tag attached to a product for which product information is registered.

  The control unit 200A receives the identification code transmitted from the wrist-worn portable terminal 100 via the wireless communication unit 200B, compares it with the user information in the ID registration area 200K2 of the memory area 200K, and does it match? It is configured to determine whether or not. In addition, the control unit 200A receives the biometric information transmitted from the arm-mounted portable terminal 100 via the wireless communication unit 200B, compares this with biometric registration information in the biometric information registration area 200K3 of the memory area 200K, It is configured to determine whether or not they match. Here, when the biometric registration information corresponding to the identification code is registered in the biometric information registration area 200K3, the presence / absence of the correspondence between the identification code and the biometric information is confirmed. Furthermore, an optical reading unit 200D connected to the optical sensor 222 is connected to the control unit 200A, and the biometric information of the user is read in the store apparatus 200 as well as the wrist-worn portable terminal 100. It is configured to be able to. The biometric information read here is compared with the biometric information in the biometric information registration area 200K3 of the memory area 200K in the same manner as described above, and it is determined whether or not they match. The biometric information to be compared and verified does not have to be the read biometric information itself, for example, a fingerprint image, and may be, for example, feature data extracted from the image.

  The store apparatus 200 is further provided with a receipt carry-out unit 200E for printing a receipt for a user who requests a receipt. Further, a settlement communication unit 200F for communicating with the settlement system 300 is connected to the control unit 200A. The settlement communication unit 200F may be configured with a dedicated server for connecting to the settlement system 300. Further, a gate driver 200G for driving the gate 241 is provided. The gate drive unit 200G includes a drive mechanism including a drive motor that operates the gate 241 and a drive circuit that operates the drive mechanism. Moreover, the cash handling part 200H which drives the cash delivery part 232 and controls the cash delivery operation is provided, and is connected to the control part 200A. The settlement operation unit 230S is also connected to the control unit 200A and configured to output an operation signal corresponding to an operation performed on the settlement operation unit 230S.

  FIG. 7 is a schematic configuration diagram showing the configuration of the function realization means of the household account book processing apparatus 400. The household account book processing means 400A manages the household account book data recorded in the memory area of the MPU (input, change, update processing, etc.), and calculates monthly, weekly, daily, subject, and expense items based on the household account book data. In addition, various aggregation processes equivalent to the creation of a report showing the aggregation by store in a table or graph are performed. The input unit 400B is an input interface that takes in purchase data or processing data output from the wrist-mounted portable terminal 100 into the apparatus. The purchase data or the processing data input through the input unit 400B is converted into a data format consistent with the household account book data by the data conversion unit 400X. For example, in the data conversion means 400X, management information corresponding to the item and expense of the household account book is given, or the management information given in advance is converted into the management information of the household account book. Of course, when the input data is consistent with the household account book data, the data conversion means 400X is not necessary.

  The household account book processing device 400 is provided with manual input means 400C. The manual input unit 400C is used by a user to manually input data to the household account book processing device 400 using a physical input unit such as a keyboard or a mouse. An FEP (front end processor) attached to the computer main body is used. This is a processing function for incorporating used character information and numerical information into household account book data. This processing function enables, for example, automatic input and reference input of subjects and expenses.

  Household account book processing apparatus 400 is provided with communication means 400D for connecting to an external system via a communication line or the like. The communication means 400D connects to the payment system 300 (see FIG. 4) to obtain payment information, passes it to the household account book processing means 400A, and collects public charges and other debit information in bank accounts and postal savings. Automatically enter household account book data. Among the payment information, the payment information corresponding to the purchase data or the processing data generated when the user purchases a product at a store or the like is stored in the household account book data and the payment information by the data matching unit 400E. Are compared and collated, and when there is a mismatch, the user is notified by a screen or voice. This notification is reflected in the household account book data, for example, when an illegal settlement occurs due to a clone card or the user does not input purchase data or processing data into the household account book processing apparatus 400. Done if not.

  FIG. 8 is a table showing an example of the contents of the purchase data or the processing data. When a user purchases a product at the store, date information such as the purchase date and time, item / expense item / item of purchase product, quantity, price, store name, and other information are sent from the store apparatus 200 to the wrist-worn portable terminal 100. This purchase data or process data may be recorded as it is in the wrist-mounted portable terminal 100, or may be recorded in a converted state as the process data. Moreover, when converting into process data, it is desirable to make this process data into the data structure matched with household account book data.

  FIG. 9 is a flowchart showing a processing procedure between the wrist-worn portable terminal 100 and the store apparatus 200. This processing procedure is realized by a portable control program executed by the control unit 100A of the wrist-worn portable terminal 100 and a store control program executed by the control unit 200A of the store apparatus 200.

  First, a user enters a store and puts products into a container (shopping basket) BK. Each product is attached with the IC tag. When all the products desired by the user are placed in the container BK, the user enters the product registration zone I of the store apparatus 200 shown in FIG. 3 and puts the containers BK on the tray 200T of the conveyor 200CV above the product registration unit 210. Put it on. When the container BK is placed on the tray 200T, the store apparatus 200 starts the store control program by a sensor (not shown), and the IC tag attached to the product put in the container BK in step S01 shown in FIG. Is automatically read. The details of this reading process are as described above. When all the products are registered, purchase data including information such as product names and prices is generated (purchase data generation means), and the purchase data or processing data is transmitted to the user's wrist-mounted mobile terminal 100 (purchase) Data transmission means), which is received by the wrist-worn portable terminal 100 (purchase data receiving means), and displayed on its display unit, for example, the base display unit 111G in step S11 by the portable control program (display unit) . In step 12, purchase data is also displayed on the control display unit 240G of the store apparatus 200, and notification that the registration (reading) of the product is completed.

  When the registration of the product is completed as described above, the conveyor 200CV operates and the container BK moves to the user authentication zone II. When the user enters the user authentication zone II together with the container BK, in step S02, a settlement selection request is transmitted from the store apparatus 200 to the arm-mounted portable terminal 100, and a display unit of the arm-mounted portable terminal 100, for example, A payment selection screen for determining whether or not to perform electronic payment is displayed on the inner surface display portion 112G. At this time, a similar settlement selection screen is also displayed on the control display unit 240G of the store apparatus 200. Note that these payment selection screens may be displayed only on one of the display unit of the wrist-worn portable terminal 100 and the control display unit 240G.

  When the user operates the operation switch 113 according to the display of the above-mentioned settlement selection screen and selects cash payment, the process proceeds to cash processing described later (settlement processing means). When the user selects electronic payment, in step 03, the store apparatus 200 transmits an ID authentication request, and the wrist-worn portable terminal 100 responds to this and transmits an identification code to the store apparatus 200 (identification information transmitting means). ). The store apparatus 200 receives the identification code (identification information receiving means), confirms whether or not the received identification code is registered as described in FIG. 6 (identification information matching means), and registers If not, the gate 241 is closed (step S15) and a report is made to a service counter or the like (step S16).

  If the identification code is registered, in step S04, a biometric authentication request is transmitted to the wrist-worn portable terminal 100, whereby a display unit such as the main body display unit 110G, A display prompting the biometric authentication procedure is displayed on the control display unit 240G. In the biometric authentication, when a user puts a finger or the like on the optical reading unit 114 of the arm-mounted portable terminal 100, biometric information is taken into the arm-mounted portable terminal 100 (biological information input means), and this is automatically stored in the store. It is made to transmit to the apparatus 200 (biological information transmission means), or biometric information is directly taken into the store apparatus 200 when a user touches the optical sensor 222 of the store apparatus 200 (biometric information input). Means). In any case, it is confirmed whether or not the biometric information acquired in the store apparatus 200 has been registered as described with reference to FIG. 6 (biometric information collating means). Close gate 241 and report to service counter.

  When any of the above processes is completed, the container BK moves to the settlement process zone III by the operation of the conveyor 200CV. At the same time, when the user enters the payment processing zone III, if the acquired biometric information is registered, a payment request is transmitted from the store apparatus 200 to the wrist-worn portable terminal 100 in step S05, In response to this, a payment request is displayed on the display unit of the wrist-worn portable terminal 100, for example, the main body display unit 110G. Moreover, you may display the same payment request on the control display part 240G. When the user performs an operation to make a payment, for example, operation of the operation switch 113, the store apparatus 200 receives this and performs a predetermined electronic payment process (payment processing means) in step S06. If the user chooses not to make a payment, the process proceeds to cash processing described later. In this electronic payment process, a predetermined process is performed between the store terminal 200 and the payment system 300, for example, a withdrawal from a bank account or a settlement notice to a card company is performed. The result of the electronic payment is transmitted from the store apparatus 200 to the wrist-worn portable terminal 100 in step S07, and the received payment result is displayed on the wrist-worn portable terminal 100.

  When the user selects cash processing, or when electronic payment is selected but payment is not made in response to the payment request, the cash receiving provided in the payment processing unit 230 of the payment processing zone III in step S13. When cash is inserted into the transfer section 232, the cash automatically inserted in step S14 is counted, and change is paid out as necessary.

  When payment is finally completed by the above electronic payment or cash payment, in step S08, whether or not a receipt is necessary is displayed on the control display unit 240G, and an operation indicating that the user needs the operation unit 230S. Then, in step 09, the receipt is unloaded from the receipt unloading unit 200E. If the user does not perform an operation, a process completion display is displayed on the wrist-worn portable terminal 100 or the control display unit 240G, and all the processes are completed.

  FIG. 10 shows a procedure in which the user transfers purchase data or processing data from the wrist-worn portable terminal 100 to the household account book processing device 400 and reflects these data in the household account book. These procedures are performed by a portable control program executed by the control unit 100A of the wrist-worn portable terminal 100 and a household account book program executed by the MPU of the household account book processing device 400.

  First, when the household account book processing device 400 is operated (for example, the household account book program is started in the computer), the process proceeds to an input selection step of step S21. In this step, the household account book processing device 400 selects a data input method. A screen is displayed. When the household account book processing device 400 is operated in accordance with this selection screen and the transfer of purchase data or processing data from the arm-mounted portable terminal 100 is selected, the output means of the arm-mounted portable terminal 100 and the household account book are selected in step S22. Appropriate authentication processing is performed with the input means of the processing device 400. When this authentication processing ends, the data transfer in step S24 is performed by operating the operation switch 113 of the wrist-worn portable terminal 100 in step S23. Is started, and data is taken into the household account book processing device 400 by the input means 400B. When the data transfer is completed, in step S25, the data conversion unit 400X converts the data as necessary, and then the data taken in by the household account book processing unit 400A is reflected in the household account book data. Thereafter, the household account book data reflected in step S26 is displayed. When the household account book processing device 400 is connected to an external system such as an external consultant system (such as a server) such as a tax accountant office, the household account book data reflecting the above data in step S27 It may be sent to the system.

  In this household account book processing device 400, when manual input is selected in the input selection step, the user manually inputs data via a hardware input device such as a keyboard or a mouse attached to the household account book processing device 400 in step S31. It becomes possible to input. In step S32, data input processing is performed, and household account book processing and display are performed by the input data in the same manner as described above.

  In the input selection step, a method of inputting data by a method of communicating with the outside via the communication unit 400D can be selected. For example, it is possible to connect to the Internet (WEB) in step S41 and to transfer payment information (bank account transaction data, card company payment data, etc.) from the payment system 300 in step S42. In this method, in step S25, as described above, the settlement information transferred from the outside is simply reflected in the household account book, and the household account book data introduced as purchase data or processing data is compared with the household account book data 400E. In some cases, comparison and verification may be performed.

  As described above, in the present embodiment, purchase data can be obtained as electronic data as it is using an arm-mounted portable terminal, so there is no need to receive receipts with paper as in the conventional case, and convenience. Will improve. In addition, the wrist-worn type portable terminal may always be worn on the arm, and there is no fear of losing it, and it is not necessary to give it to the store clerk, so security safety can be ensured. Furthermore, in this embodiment, since purchase data recorded on the wrist-worn portable terminal can be reflected in the household account book, it can be easily and quickly found by comparison with the household account book data even when fraudulent settlement occurs. be able to.

  It should be noted that the electronic purchase system, wrist-worn portable terminal, electronic purchase method, and program of the present invention are not limited to the illustrated examples described above, and various modifications can be made without departing from the spirit of the present invention. Of course, it can be added.

The schematic perspective view (a) which shows the mounting state of the arm mounting | wearing type portable terminal of embodiment, and the schematic perspective view (b) which shows the state which opened the cover part. The schematic side view (a) and schematic plan view (b) of the arm mounting type portable terminal of the embodiment. The schematic perspective view of a shop apparatus. The schematic block diagram of an electronic purchasing system. The schematic block diagram which shows the internal structure of a wrist mounting | wearing type portable terminal. The schematic block diagram which shows the internal structure of a shop apparatus. The block diagram which shows the function implementation means of a household account book processing apparatus. A table showing the contents of purchase data or processing data. The schematic flowchart which shows the electronic purchase procedure using an arm mounting | wearing type portable terminal and a shop apparatus. The schematic flowchart which shows the data input procedure of a household account book processing apparatus.

Explanation of symbols

DESCRIPTION OF SYMBOLS 100 ... Arm-mounted portable terminal, 110 ... Main body, 111 ... Base | substrate part, 112 ... Cover body part, 113 ... Operation switch, 114 ... Optical reading part, 100A ... Control part, 100B ... Wireless communication part, 100C ... Communication part, 100E ... external communication unit, 110D, 111D, 112D ... display drive unit, 110G ... main body display unit, 111G ... substrate display unit,
112G ... inner surface display unit, 120 ... band, 200 ... store device, 200A ... control unit, 200B ... wireless communication unit, 200C ... product registration unit, 200D ... optical reading unit, 200F ... settlement communication unit, 200G ... gate drive unit 200H DESCRIPTION OF SYMBOLS ... Cash handling part, 210 ... Merchandise registration part, 220 ... User authentication part, 230 ... Settlement processing part, 240 ... Control processing part, 240G ... Control display part, 241 ... Gate, 300 ... Payment system, 400 ... Household book processing 400A ... manual input means, 400D ... communication means, 400E ... data collating means, 400X ... data conversion means

Claims (15)

Purchasing data receiving means configured to be portable while worn on the user's arm and capable of recording processing data obtained by performing predetermined processing on the purchasing data or the purchasing data. A wrist unit equipped with a memory unit and a display unit capable of displaying the purchase data or the processing data; and
A store apparatus comprising: purchase data generating means for generating the purchase data; purchase data transmitting means for transmitting the purchase data to the wrist-worn mobile terminal; and a payment processing means for performing payment processing based on the purchase data; ,
An electronic purchase system characterized by comprising:   The electronic purchase system according to claim 1, wherein the display unit is configured to always display a time and display the purchase data or the processing data at the time of purchase.   The electronic purchase system according to claim 1, wherein the wrist-worn portable terminal further includes output means capable of outputting the purchase data or the processing data.   Input means capable of inputting the purchase data or the processing data via the output means of the wrist-worn portable terminal, and a household account book processing means for processing the purchase data or the processing data and recording it in a household account book The electronic purchase system according to claim 3, further comprising a household account book processing apparatus provided. The wrist-worn portable terminal further includes identification information transmitting means for transmitting the identification code to the store apparatus,
5. The electronic device according to claim 1, wherein the store apparatus further includes an identification information receiving unit that receives the identification code, and an identification information collating unit that collates the identification code. 6. Purchase system. The wrist-worn portable terminal further includes biometric information input means for inputting the biometric information of the user, and biometric information transmitting means for transmitting the biometric information to the store apparatus,
6. The electronic purchase system according to claim 5, wherein the store apparatus includes a biometric information receiving unit that receives the biometric information and an ecological information collating unit that collates the biometric information.   6. The electronic purchase system according to claim 5, wherein the store apparatus further includes biometric information input means for inputting biometric information of the user and ecological information collating means for collating the biometric information. An arm-mounted portable terminal that can be carried while being worn on a user's arm,
Purchase data receiving means for receiving purchase data of the user, memory means capable of recording the purchase data or processing data obtained by performing predetermined processing on the purchase data, and display of the purchase data or the processing data A wrist-worn portable terminal characterized by having a simple display means.   9. The wrist-worn portable terminal according to claim 8, wherein the display means always displays a time, and displays the purchase data or the processing data at the time of purchase.   The wrist-worn portable terminal according to claim 8 or 9, further comprising output means capable of outputting the purchase data or the processing data.   The wrist-worn portable terminal according to any one of claims 8 to 10, further comprising identification information transmitting means for transmitting an identification code.   The wrist-worn portable terminal according to claim 11, further comprising: biometric information input means for inputting the biometric information of the user; and biometric information transmitting means for transmitting the biometric information. Purchasing data receiving means configured to be portable while worn on the user's arm and capable of recording processing data obtained by performing predetermined processing on the purchasing data or the purchasing data. A wrist unit equipped with a memory unit and a display unit capable of displaying the purchase data or the processing data; and
A store apparatus comprising: purchase data generating means for generating the purchase data; purchase data transmitting means for transmitting the purchase data to the wrist-worn mobile terminal; and a payment processing means for performing payment processing based on the purchase data; Communicate between
The purchase data or the processing data from the store apparatus is transmitted to the wrist-worn portable terminal, and the purchase data or the processing data received by the purchase data receiving means of the arm-worn portable terminal is stored in the memory. An electronic purchase method characterized by recording on the means and displaying on the display means.   Recognizing information transmitting means for transmitting recognition information to the store side, purchase data receiving means for receiving purchase data transmitted from the store side, and receiving the purchase data or the purchase data received by the portable computer. A computer program for electronic purchase for functioning as means for recording processing data in a memory and means for displaying the purchase data or the processing data on a display means. 15. The computer program for electronic purchase according to claim 14, further causing the portable computer to function as biometric information input means for inputting biometric information of a user and biometric information transmission means for transmitting the biometric information to a store side. .

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