JP6896214B1 - Mobile devices and electronic payment methods - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a mobile device and an electronic payment method capable of executing electronic payment at a store even when electronic payment becomes unavailable due to a power outage or a failure of a communication network. A mobile device (10) is a mobile device capable of electronic payment by identifying the store via an identification code for electronic payment corresponding to the store, and provides store information for identifying each store. A store information collection unit 201 that records when electronic payment is executed, and an upper limit amount setting unit that sets an upper limit of the usage amount in preliminary payment that executes payment in the mobile device 10 when electronic payment becomes impossible. 202, the payment execution unit 203 that receives payment information including the usage amount and store information within the set upper limit and executes the preliminary payment, and the payment information transmission that transmits the payment information corresponding to the executed preliminary payment. A unit 204 and the like are provided. [Selection diagram] Fig. 2

Description

Embodiments of the present invention relate to mobile devices and electronic payment methods.

As typified by electronic money, electronic payment, in which the monetary value held by a user is stored in an IC card and payment is made by exchanging electronic data, is widely used. In addition, the use of payment means for executing electronic payment by mounting an IC chip for electronic payment on a mobile device such as a smartphone is also widespread from the viewpoint of convenience.

Conventionally, a technology for enhancing the convenience of transactions by electronic payment has been disclosed. For example, a provisional payment is made at the time of reserve so as to enable electronic payment of the reserved product, and then an actual payment is executed. As described above, a technique for carrying out payment in two stages is disclosed.

Japanese Unexamined Patent Publication No. 2013-214177

By the way, when electronic payment using electronic money is performed between the user's mobile terminal and the store's electronic payment terminal, the store's electronic payment terminal that accepts payment from the user's mobile terminal is in operation. When making electronic payments by sending electronic money payment information from a mobile terminal to a store via a network, the communication network must be normal and the user's mobile terminal can communicate. You will need it.

Therefore, if a power outage or a communication network failure occurs due to a power system failure or the like, the user cannot use electronic payment using electronic money.

The present invention has been made in consideration of such circumstances, and even when electronic payment becomes unavailable due to a power outage or a failure of a communication network, a mobile device and an electronic device capable of performing electronic payment at a store can be executed. The purpose is to provide a payment method.

The portable device according to the embodiment of the present invention is a portable device capable of electronic payment by identifying the store via an identification code for electronic payment corresponding to the store, and is a store that identifies each of the stores. Set the store information collection unit that records information when the electronic payment is executed, and the upper limit of the usage amount in the preliminary payment that executes the payment in the portable device when the electronic payment becomes impossible. An upper limit amount setting unit, a payment execution unit that receives payment information including the usage amount and the store information within the set upper limit and executes the preliminary payment, and the payment corresponding to the executed preliminary payment. It is provided with a payment information transmission unit for transmitting information.

According to an embodiment of the present invention, a mobile device and an electronic payment method capable of executing electronic payment at a store even when electronic payment becomes unavailable due to a power outage or a failure of a communication network are provided.

Explanatory drawing which shows an example of the electronic payment system using the portable device which concerns on embodiment. The block diagram which shows the structure of the portable device which concerns on embodiment. (A) An explanatory diagram showing an example of electronic payment between a user's mobile device and a store identification code, and (B) a diagram showing an example of each store information of the store collected by the store information collection unit. The figure which shows the setting example of the upper limit of the usage amount which a user can use when the electronic payment in a store is not available. An explanatory diagram showing an example of a display screen for preliminary payment on a mobile device when electronic payment at a store becomes unavailable. The block diagram which shows an example of the processing flow of the electronic payment method which concerns on embodiment.

Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.
FIG. 1 is an explanatory diagram showing an example of an electronic payment system 100 using the mobile device 10 according to the embodiment.

The electronic payment system 100 includes a mobile device 10, an electronic payment terminal 11, a host computer 12, and an identification code 21.

The portable device 10 is a portable communication device such as a tablet or a smartphone. The mobile device 10 has a function of being able to make a payment by transmitting and receiving electronic data with an electronic payment terminal 11 arranged in a store (for example, a retail store). When money is charged to the mobile device 10, electronic money is held inside the device, and the electronic money is used to realize electronic payment between the mobile device 10 and the electronic payment terminal 11. Further, the mobile device 10 may have a function of recording the registration information of the credit card possessed by the user and executing the credit payment with the electronic payment terminal 11.

The electronic payment terminal 11 is a terminal for accepting payment processing by a user. The electronic payment terminal 11 performs electronic payment processing based on data such as electronic money held by the user and product data purchased by the user by performing wireless communication with the mobile device 10, and performs payment processing by the user. Accept.

The host computer 12 is connected to the electronic payment terminal 11 via a network, and receives payment information (product name, product price, etc.) related to the product purchased by the user from the electronic payment terminal 11 of the store, and this Performs sales-related processing based on payment information. Further, when the user executes payment processing using a credit card, the host computer 12 receives payment information together with the user's credit card information and executes processing related to sales. Further, the host computer 12 can communicate with the mobile device 10 via the network.

The identification code 21 is arranged on the store side, and the mobile device 10 reads the code and acquires store information (screen information for inputting electronic money into the store, etc.) corresponding to the code via the network. This is the code to do. Examples of the identification code include a QR code (registered trademark) and a barcode. The mobile device 10 reads the identification code 21 and inquires of the host computer 12 via the communication network to acquire store information. In the mobile device 10, electronic money for payment by the user is input, and the electronic money is transmitted to the host computer 12 to execute electronic payment.

The mobile device 10 according to the embodiment accepts the input of the store information of the store acquired in advance when the electronic payment is available (normal time) and the usage amount within the maximum amount that the user can pay, and carries the mobile device 10. Preliminary payment is executed inside the device 10. Then, the payment information corresponding to the executed preliminary payment is automatically transmitted to the store side (electronic payment terminal 11 or host computer 12). As a result, even when the electronic payment at the store becomes unavailable due to a power outage or a communication failure, the electronic payment at the store can be realized. Here, the preliminary payment means that the offline payment is performed inside the mobile device 10 in a state where the electronic payment is not available.

A specific configuration of the portable device 10 according to the embodiment will be described.

FIG. 2 is a configuration diagram showing the configuration of the mobile device 10 according to the embodiment.
The mobile device 10 includes an interface 13, a display 14, a memory 15, an electronic payment processing circuit 16, and a network communication circuit 17.

The interface 13 receives various input operations from the user, converts the received input operations into electric signals, and outputs the received input operations to the processing circuit 20. For example, the interface 13 accepts the setting of information related to the preliminary payment such as the store information of the store where the user purchases the product and the usage amount of the user at the time of the preliminary payment executed inside the mobile device 10.

The display 14 displays various information. The display 14 displays, for example, an upper limit of the user's usage amount and an input screen at the time of preliminary payment.

The memory 15 has a configuration including a recording medium that can be read by a processor, such as a semiconductor memory element such as a RAM (Random Access Memory) or a flash memory. The memory 15 holds, for example, store information acquired when electronic payment is executed with a store.

The electronic payment processing circuit 16 is a circuit for executing electronic payment. Examples of the electronic payment processing circuit 16 include a non-contact type IC chip capable of wireless communication. The electronic payment processing circuit 16 holds electronic money charged by the user and exchanges electronic data with the electronic payment terminal 11 to perform electronic payment. The electronic payment processing circuit 16 reads the store identification code 21 via the display 14 and accepts the input of electronic money for payment from the user. Electronic payment is performed by transmitting this electronic money to the host computer 12.

The network communication circuit 17 is a circuit for communicating with an external communication device. The network communication circuit 17 may be configured to be connectable to the host computer 12 via the Internet or the like.

The processing circuit 20 is a processor that controls the overall operation of the mobile device 10 by reading and executing a program stored in the memory 15.

The processing circuit 20 includes a store information collection unit 201, an upper limit amount setting unit 202, a payment execution unit 203, and a payment information transmission unit 204. The function of each unit constituting the processing circuit 20 is realized by executing a predetermined program code using a processor.

The store information collecting unit 201 records store information that identifies each store when electronic payment is executed. The store information is information for identifying each of the stores, and means the name data of the store, the identifier given to identify each of the stores, and the address data of the store. At the time of electronic payment, the store information collecting unit 201 acquires at least one of the store name data, the identifier, and the store address data in order to acquire the information for identifying the store.

When the user executes electronic payment at an arbitrary store, the store information collecting unit 201 acquires the store information of the store and accumulates the store information of the store. In this way, electronic payment can be used by accumulating store information via electronic payment before electronic payment becomes unavailable due to a power outage or communication failure, that is, when electronic payment can be effectively executed. The number of stores that can make preliminary payments when it becomes impossible will increase.

FIG. 3A is an explanatory diagram showing an example of electronic payment between the user's mobile device 10 and the store A. FIG. 3B is a diagram showing an example of each store information of the store collected by the store information collecting unit 201.

As shown in FIG. 3A, when the user executes electronic payment using the identification code of the store A using the mobile device 10, the mobile device 10 acquires and stores the store information of the store A. Similarly, when executing electronic payment using the store B identification code, the mobile device 10 acquires and stores the store information of the store B. When a user makes an electronic payment using each store and an identification code, the store information of each store is acquired and the store information is accumulated.

Further, the mobile device 10 may acquire information on the product group sold in the store and the amount of money corresponding to those products in addition to the store information at the time of electronic payment.

The upper limit amount setting unit 202 sets the upper limit of the usage amount in the preliminary payment for executing the payment in the mobile device 10 when the electronic payment becomes unavailable. The detection of the state in which the electronic payment cannot be used may be performed by detecting the information that the electronic payment cannot be used by inputting the user, or when there is no response from the store side when performing the electronic payment on the mobile device 10. It may be configured so that electronic payment is not possible.

The upper limit amount setting unit 202 sets the upper limit of the usage amount based on the electronic money existing inside the mobile device 10. Alternatively, the upper limit amount setting unit 202 may set the upper limit of the usage amount based on the available amount corresponding to the credit card registered in the mobile device 10. The upper limit of the usage amount may be set by combining these setting methods. In this case, one of them may be set as the initial upper limit amount in advance, and if one of them is insufficient, the setting method may be switched to the other.

Further, the user may acquire electronic data having monetary value in advance and set the electronic data as the upper limit amount at the time of preliminary settlement. For example, the electronic money is registered in the mobile device 10 by inputting the identification number attached to the electronic money purchased in advance or reading the barcode, and the electronic money is set as the upper limit amount at the time of preliminary settlement.

When setting the upper limit amount based on the available amount corresponding to the credit card registered in the mobile device 10, the usable amount of the credit card may be set as the upper limit amount, or the amount within the range that the user can surely pay. From the viewpoint of setting, the upper limit may be a value obtained by multiplying the available amount by a predetermined ratio.

FIG. 4 is a diagram showing an example of setting an upper limit amount that can be used by a user when electronic payment with a store becomes impossible due to a power outage or a communication failure.

Setting item NO. In 1, when electronic payment becomes impossible, the existing electronic money in the mobile device 10 is set to the upper limit amount that can be used by the user at the time of preliminary payment. Setting item NO. In 2, Y% of the usable amount of the credit card registered in the mobile device 10 is set to the upper limit amount that can be used by the user at the time of preliminary payment.

The payment execution unit 203 receives the usage amount and store information within the set upper limit from the user, and executes the preliminary payment. The payment information corresponding to the executed preliminary payment is stored in association with information such as the execution date and time of the payment. The payment information corresponding to the preliminary payment includes the usage amount and the store information, and when the usable amount of the credit card is used for the preliminary payment, the credit card information is also included in the payment information.

When electronic money is used for preliminary payment, when the preliminary payment is executed, the amount of electronic money used is consumed and the maximum amount is reduced. When the usable amount of the credit card is used for the preliminary settlement, the available amount decreases and the maximum amount decreases when the preliminary settlement is executed.

FIG. 5 is a diagram showing a display screen of preliminary payment in the mobile device 10 when electronic payment with a store becomes unavailable due to a power outage, communication failure, or the like.

The user selects the store information to be purchased from the store information acquired in advance, and inputs the amount of the product within the set upper limit amount range. Then, by pressing the "OK" button, which means execution of payment, the intention of payment is confirmed, and preliminary payment is executed.

In addition, the store clerk can confirm that the store is correctly selected by confirming the identifier of the store information column displayed on the mobile device 10. If the mobile device 10 has acquired the product information sold in the store in advance, the price of the target product may be input by selecting the product instead of directly inputting the price. Good. Further, the mobile device 10 may read the barcode of the target product to input the amount of the target product. In this case, the mobile device 10 acquires in advance a correspondence list that associates the relationship between the barcode of the product and the price of the product.

The payment information transmission unit 204 automatically transmits the payment information corresponding to the executed preliminary payment to the store side. Specifically, the payment information corresponding to the preliminary payment is automatically transmitted from the mobile device 10 to the electronic payment terminal 11 when the user uses the electronic payment terminal 11 after recovering from a power failure or communication failure. To. The electronic payment terminal 11 for transmitting payment information is not limited to the electronic payment terminal 11 of the store in which the preliminary payment transaction is executed, and is an electronic payment terminal of another store capable of the same electronic payment as the terminal. It may be. Further, when the mobile device 10 can transmit data to the host computer 12 of the store via the network, the payment information may be automatically transmitted from the mobile device 10 to the host computer 12.

For example, as shown in FIG. 1, when electronic payment is not available, a case where a user purchases a product of 500 yen at a store A will be considered. At this time, the mobile device 10 accepts the input of the store information of the store A acquired in advance when the electronic payment is available and the amount of 500 yen, which is the amount within the usage limit that the user can pay, and the mobile device 10 receives the input. Perform preliminary payment internally. By executing the preliminary payment, the product purchased by the user is delivered to the user from the clerk of the store A. Then, the payment information corresponding to the executed preliminary payment is automatically transmitted to the store A side. In this way, even when the electronic payment with the store becomes unavailable, the electronic payment at the store can be realized.

Subsequently, the operation of the portable device 10 according to the embodiment will be described.

FIG. 6 is a configuration diagram showing an example of a processing flow of the electronic payment method according to the embodiment (see FIGS. 1 and 2 as appropriate). Here, it is assumed that the store information that identifies each of the stores is recorded when the electronic payment is executed.

The upper limit amount setting unit 202 sets the upper limit of the usage amount in the preliminary payment for executing the payment in the mobile device 10 when the electronic payment becomes unavailable (S10).

The settlement execution unit 203 receives the usage amount and store information within the set upper limit amount (S11). Then, upon receiving the execution of the preliminary payment from the user, the payment execution unit 203 executes the preliminary payment based on the input usage amount and store information (S12). When electronic money is used for preliminary payment, the amount of electronic money used is consumed when the preliminary payment is executed.

When the electronic payment is unavailable, the payment information transmission unit 204 waits until the network is restored and the payment information can be transmitted to the host computer 12 on the store side (S13: NO, S14).

On the other hand, the payment information transmission unit 204 automatically transmits the payment information to the electronic payment terminal 11 when the electronic payment becomes available (S13: YES, S14). When data can be transmitted from the mobile device 10 to the host computer 12 on the store side, the payment information may be automatically transmitted to the host computer 12.

In this way, when the store is identified via the electronic payment identification code corresponding to the store and the store information that identifies each store is used for electronic payment on the mobile device capable of electronic payment. Record it and execute preliminary payment in the mobile device based on this store information and the usage amount. Then, the payment information corresponding to the preliminary payment is automatically transmitted to the store side. As a result, even when electronic payment becomes unavailable due to a power outage or a failure of the communication network, electronic payment can be executed at the store.

In the above embodiment, the word "processor" refers to, for example, a dedicated or general-purpose CPU (Central Processing Unit), GPU (Graphics Processing Unit), or an application-specific integrated circuit (integrated circuit) mounted on the portable device 10. It shall mean a circuit such as Application Specific Integrated Circuit (ASIC). The processor realizes various functions of the processing circuit 20 by reading and executing a program stored in the storage medium.

Although some embodiments of the present invention have been described, these embodiments are presented as examples and are not intended to limit the scope of the invention. These novel embodiments can be implemented in various other embodiments, and various omissions, replacements, and changes can be made without departing from the gist of the invention. These embodiments and modifications thereof are included in the scope and gist of the invention, and are also included in the scope of the invention described in the claims and the equivalent scope thereof.

10 ... portable device, 11 ... electronic payment terminal, 12 ... host computer, 13 ... interface, 14 ... display, 15 ... memory, 16 ... electronic payment processing circuit, 17 ... network communication circuit, 20 ... processing circuit, 21 ... identification code , 201 ... Store information collection unit, 202 ... Maximum amount setting unit, 203 ... Payment execution unit, 204 ... Payment information transmission unit, 100 ... Electronic payment system.

Claims (6)

A mobile device capable of electronic payment by identifying the store via an identification code for electronic payment corresponding to the store.
A store information collection unit that records store information that identifies each of the stores when the electronic payment is executed, and
An upper limit amount setting unit that sets an upper limit of the usage amount in the preliminary payment that executes the payment in the mobile device when the electronic payment becomes impossible, and
A payment execution unit that receives payment information including the usage amount and store information within a set upper limit and executes the preliminary payment.
A payment information transmission unit that transmits the payment information corresponding to the executed preliminary payment,
A portable device characterized by being equipped with. The store information collecting unit collects at least one of the store name data, an identifier given to identify each of the stores, and the store address data at the time of the electronic payment.
The portable device according to claim 1. The upper limit amount setting unit sets the upper limit of the usage amount based on the electronic money existing in the mobile device.
The portable device according to claim 1 or 2, wherein the mobile device is characterized by the above. The upper limit amount setting unit sets the upper limit of the usage amount based on the available amount corresponding to the credit card owned by the user.
The portable device according to any one of claims 1 to 3, wherein the mobile device is characterized by the above. The payment information transmission unit transmits the payment information corresponding to the executed preliminary payment to the host computer corresponding to the store in which the preliminary payment transaction is executed.
The portable device according to any one of claims 1 to 4, characterized in that. A mobile device that can make electronic payments by identifying the store via the electronic payment identification code corresponding to the store
A step of recording store information that identifies each of the stores when the electronic payment is executed, and
A step of setting an upper limit of the usage amount in the preliminary payment for executing the payment in the mobile device when the electronic payment becomes impossible, and
A step of accepting payment information including the usage amount and the store information within a set upper limit and executing the preliminary payment, and
A step of transmitting the payment information corresponding to the executed preliminary payment, and
An electronic payment method characterized by including.

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