JP2001243382A - Payment method using mobile communication terminal, payment system, and mobile communication terminal - Google Patents

Abstract

(57) [Summary] [PROBLEMS] A highly reliable payment method, payment system, and mobile communication terminal that can use a mobile communication terminal as a payment terminal and allow anyone to make payment easily and accurately. I will provide a. A payment request from a claimant 301 is transmitted to a portable communication terminal 101 of a purchaser (user) 302 (step S312). The mobile communication terminal 102 transmits a payment request to the payment management device 106 in which the subscriber is registered in advance (steps S316 and S317). The payment management device 106 authenticates whether or not the user of the mobile communication terminal 102 that made the payment request is a subscriber (step S320), and performs the payment if the authentication is successful (step S321). Payment management device 10
From step 6, the authentication result or the settlement result is transmitted to the mobile communication terminal 102 (step S322).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method and a settlement system using a portable communication terminal for performing settlement for generated payment using a portable communication terminal such as a portable telephone terminal. And a mobile communication terminal used in the system.

[0002]

2. Description of the Related Art Various portable communication terminals such as portable telephone terminals have been widely used. By using the mobile communication terminal, it is possible to receive various services such as an e-mail service, an automatic ticket reservation service, a bank transfer service, and a distribution service of various contents such as music information and image information. It is becoming possible.

[0003] For example, in the case of using a paid service such as a distribution service of paid contents to a portable communication terminal, the service can be provided through the portable communication terminal, and the service can be provided through the portable communication terminal. By transmitting a credit card number or the like to a service provider side, payment for a charge that occurs when receiving a paid service can be settled.

[0004] By using the portable communication terminal in this way, various services can be used,
It has become possible to use a mobile communication terminal as a payment terminal and also perform payment for generated payment (charging).

[0005]

By the way, as described above, various payment scenes, such as shopping at a store, using a portable communication terminal such as a portable telephone terminal which has been widely used. , There is a demand that payment be made possible. For this purpose, it is necessary to construct a method and a system that allow anyone to easily and reliably make a payment using a mobile communication terminal.

[0006] Further, since the portable communication terminal is always carried and used, there is a possibility that it is dropped, misplaced, or stolen. For this reason, if the mobile communication terminal is available as a payment terminal, and if the mobile communication terminal is lost or stolen and loses control of a legitimate user, the mobile communication terminal can also be used as a payment terminal. It can be used illegally and cause damage to legitimate users.

As described above, when the portable communication terminal is lost,
If the mobile communication terminal is stolen, unauthorized use of the mobile communication terminal cannot be prevented unless the mobile communication terminal management company or the like stops the use of the mobile communication terminal. . However, the procedure for suspending the use performed by the management company of the mobile communication terminal may take some time before the use is actually suspended. For this reason, when the mobile communication terminal is lost or stolen, a measure for promptly preventing unauthorized use of the mobile communication terminal is required.

It is also conceivable that the portable communication terminal is shared by a group such as a family. However, if the mobile communication terminal can be used as a payment terminal and the amount of money that can be settled using the mobile communication terminal is the same for both parents and children, For example, it is possible for a child to purchase an expensive product or to download a large amount of paid content.

For this reason, when a mobile communication terminal usable as a settlement terminal is used in a group such as a family, each of the users does not need to be aware of it and the management company of the mobile communication terminal, etc. There is a need for a method that enables settlement according to the conditions of each user without imposing a burden on the service provider side.

[0010] In view of the above, a portable communication terminal can be used as a settlement terminal so that anyone can easily and accurately make a payment, and when the portable communication terminal is lost or stolen. Reliable payment methods, payment systems, and these methods and systems that can effectively prevent unauthorized use of mobile communication terminals and overuse of shared users when multiple mobile communication terminals are shared An object is to provide a mobile communication terminal to be used.

[0011]

In order to solve the above-mentioned problems, a settlement method using a portable communication terminal according to the first aspect of the present invention provides a payment request transmission in which a requester transmits a payment request to the portable communication terminal. And a payment request transmitting step of transmitting a payment request from the mobile communication terminal that has received the payment request to a payment management device that has previously performed subscriber registration and manages payment related to the subscriber. A subscriber authentication step of performing, in the payment management device that has received the payment request, a user of the mobile communication terminal that has transmitted the payment request to authenticate whether or not the user is the subscriber;
A settlement execution step of executing settlement in the settlement management device when authentication is obtained in the subscriber authentication step;
A processing result transmitting step of transmitting an authentication result in the subscriber authentication step or a payment result in the payment executing step from the payment management device to the mobile communication terminal.

According to the settlement method using the portable communication terminal according to the first aspect, the payment request from the requester is transmitted to the portable communication terminal of the purchaser. Then, a payment request is transmitted from the mobile communication terminal to a payment management device that is preliminarily registered as a subscriber. The payment management device authenticates whether the user of the mobile communication terminal as the payment request source is a subscriber, and performs the payment if the authentication is successful. Further, the authentication result or the payment result is transmitted from the payment management device to the mobile communication terminal.

As described above, the transmission of the payment request in response to the payment request to the payment management device is performed through the portable communication terminal.
The transmission of the authentication result or the payment result from the payment management device is performed to the mobile communication terminal. Therefore, the settlement process is not performed without the intermediary of the mobile communication terminal, so that in a more payment situation, anyone can easily and reliably make the payment using the mobile communication terminal. .

According to a second aspect of the present invention, there is provided a settlement method using the portable communication terminal, wherein the settlement method uses the portable communication terminal. And transmitting the authentication result or the settlement result from the subscriber management device to the requester.

According to the settlement method using the portable communication terminal according to the second aspect of the present invention, the authentication result or the settlement result transmitted from the settlement management device to the portable communication terminal is transmitted to the requester through the portable communication terminal. Sent to. As a result, it is possible to promptly and reliably notify the claimant that authentication has failed or that authentication has been successful but payment has failed. Therefore, the claimant side:
For both the claimant and the payer, such as being able to deliver the product only when the payment has been properly made,
It is possible to provide an easy-to-understand, simple, and reliable settlement method capable of accurate settlement.

According to a third aspect of the present invention, there is provided a settlement method using a portable communication terminal, wherein the settlement method uses the portable communication terminal according to the first invention. Condition information indicating conditions for the mobile communication terminal, the mobile communication terminal, based on the condition information, including an acceptability determining step of determining whether the payment request is acceptable, In the payment request transmitting step, the payment request is transmitted when it is determined in the acceptance possibility determination step that the payment request can be accepted.

According to the settlement method using the portable communication terminal according to the third aspect of the present invention, condition information for a payment request is preset in the portable communication terminal, and the preset condition information is Accordingly, it is determined whether or not the transmitted payment request can be accepted, that is, whether or not the payment request can be accepted.

Thus, the mobile communication terminal accepts only acceptable payment requests in accordance with the preset condition information, so that the user of the mobile communication terminal can make an unexpected payment. It can be reliably prevented. Then, by using the condition information set in advance, even in the case where one mobile communication terminal is shared by a family, it is possible to control so that only the settlement according to each of the sharers can be performed. In addition, since the condition information is set in the mobile communication terminal and can be processed on the mobile communication terminal side, no burden is imposed on the settlement management device.

[0019] Further, the settlement method using the portable communication terminal according to the invention of claim 4 is the settlement method according to claim 3, wherein in the acceptability judging step, the received payment request is accepted. If it is determined that the payment is not possible, the mobile communication terminal transmits information indicating that the payment is impossible from the mobile communication terminal to the claimant side.

According to the settlement method using the portable communication terminal of the present invention, the transmitted payment request cannot be accepted based on the preset condition information in the portable communication terminal. If it is determined that there is, information indicating that the payment request cannot be accepted is transmitted to the claimant side.

Accordingly, when the payment request cannot be fulfilled, the user of the portable communication terminal, who should have been the payer, makes a payment corresponding to the payment request to the claimant side. Since the notification that the payment cannot be performed is promptly given, both the claimant and the user of the mobile communication terminal provide a reliable and easy-to-understand, simple and accurate payment method capable of accurate payment. be able to.

According to a fifth aspect of the present invention, there is provided a settlement method using the portable communication terminal according to the first aspect. A payment content notifying step of notifying a user of the content of the request, and an instruction input receiving step of receiving an instruction input for payment according to the payment request; and in the payment request transmitting step, the instruction input receiving step Transmitting the settlement request when the instruction input received in step (1) indicates that settlement is to be performed.

According to the settlement method using the portable communication terminal according to the fifth aspect of the present invention, the contents of the payment request from the claimant side received by the portable communication terminal are transmitted to the user through the portable communication terminal. Notified. Then, the mobile communication terminal accepts an instruction input for payment in response to the payment request, and transmits the payment request from the mobile communication terminal to the payment management device when the instruction input instructs payment. Is done.

[0024] Thereby, the claimant can clearly and clearly notify the user of the portable communication terminal of the contents of the payment request. Also, for the user of the mobile communication terminal, it is possible to settle the payment after confirming the contents of the payment request from the claimant side, so that both the claimant and the payer can understand, easily, In addition, it is possible to provide a reliable settlement method capable of performing accurate settlement.

The settlement method using the portable communication terminal according to the invention of claim 6 is the settlement method using the portable communication terminal according to the invention of claim 5, wherein the settlement is performed in the instruction input accepting step. A payment non-executing information transmitting step of transmitting information indicating that payment is not to be performed from the portable communication terminal to the claimant side when the instruction input indicates that payment is not performed. It is characterized by.

In the settlement method using the portable communication terminal according to the invention of claim 6, after notifying the contents of the payment request transmitted from the claimant side through the portable communication terminal, the settlement method of the portable communication terminal is used. If the instruction input for payment from the user indicates that payment is not to be performed, information indicating that payment is not possible is transmitted from the mobile communication terminal to the claimant.

In this way, when the user of the portable communication terminal is prevented from responding to the payment request, the user of the portable communication terminal sends the payment corresponding to the payment request to the claimant through the portable communication terminal. Is notified promptly. Accordingly, it is possible to provide a highly reliable settlement method that is easy to understand, simple, and accurate for both the claimant and the user of the mobile communication terminal.

[0028] In the settlement method using the portable communication terminal according to the present invention, a provision request transmitting step of transmitting a content provision request from the portable communication terminal to a server device of a content provider; A payment request transmitting step of transmitting, from the server device, a payment request for charging generated in providing the content to the mobile communication terminal of the content providing request source; and in the mobile communication terminal, the payment request from the server device. Receiving the payment request received in the payment request receiving step based on condition information indicating a condition for the payment request set in advance in the portable communication terminal. In the acceptability determining step of determining whether or not the payment request is acceptable, the payment request can be accepted. When it is determined that the subscriber registration is performed in advance, a payment request transmitting step of transmitting a payment request from the mobile communication terminal to a payment management device that manages payment related to payment for the subscriber, In the payment management device that has received the payment request, the user of the mobile communication terminal that has transmitted the payment request is a subscriber authentication step of performing authentication as to whether or not the user is a subscriber. A step of executing a settlement in the settlement management device when the authentication is performed; and a step of executing the authentication result in the subscriber authentication step or the step of executing the settlement in the settlement execution step from the settlement management device to the server device. A processing result transmitting step of transmitting a payment result, and the server device, when receiving a payment result indicating that payment has been performed from the payment management device, From over server apparatus,
Transmitting a content corresponding to the request to the portable communication terminal of the content providing request source.

According to the settlement method using the portable communication terminal according to the present invention, when receiving the provision of the pay content by communication using the portable communication terminal, the portable communication terminal can provide the contents provider with the contents. The content provision request is transmitted to the server device. Prior to the provision of the content, the server of the content provider transmits a payment request for a charge generated in providing the content to the portable communication terminal that has requested the content.

In the portable communication terminal, condition information for a payment request is set in advance, and whether the payment request transmitted from the server device can be accepted according to the condition information, It is determined whether or not the payment according to the payment request from is possible. If it is determined that the payment is possible, the payment request is transmitted from the mobile communication terminal to the payment management device.

In the settlement management device, based on the transmitted settlement request, the portable communication terminal that has transmitted the settlement request is authenticated as to whether or not the user is a subscriber.
Make payments if authentication is successful. Further, the authentication result or the payment result is transmitted from the payment management device to the server of the content provider.

When the server device of the content provider receives a payment result from the payment management device indicating that the payment of the content providing request source has been normally performed, the server device of the content providing request source receives the payment result. The content according to the request is transmitted to the mobile communication terminal.

Thus, the portable communication terminal accepts only acceptable payment requests in accordance with the preset condition information, so that the user of the portable communication terminal can make an unexpected payment. It can be reliably prevented. In addition, only when the payment is successfully executed to the user of the mobile communication terminal of the content request source by the payment management device, the server device of the content provider responds to the request of the mobile communication terminal of the request from the server device of the content provider. Since the content is provided, the inconvenience that the content provider cannot receive payment even though the content is provided does not occur.

The settlement method using the portable communication terminal according to the invention of claim 8 is a provision request transmission step of transmitting a contents provision request from the portable communication terminal to a server of a contents provider. A payment request transmitting step of transmitting, from the server device, to the mobile communication terminal that is a content providing request source, a payment request for charging generated in providing the content; and a step of transmitting the payment request received by the mobile communication terminal. A payment content notifying step of notifying a user of the content, an instruction input receiving step of receiving an instruction input for a payment corresponding to the payment request in the mobile communication terminal, and the instruction input received in the instruction input receiving step. If the instruction is to make a payment, the mobile communication terminal sends a determination to the payment management device. A payment request transmitting step of transmitting a request, and in the payment management device receiving the payment request, a subscription for authenticating whether or not a user of the mobile communication terminal that has transmitted the payment request is the subscriber. A user authentication step, a settlement execution step of executing settlement in the settlement management device when authentication is obtained in the subscriber authentication step, and a subscriber authentication step from the settlement management device to the server device. A processing result transmitting step of transmitting an authentication result or a settlement result in the settlement execution step, and wherein the server device receives the settlement result indicating that settlement has been performed from the settlement management device. And a content providing step of transmitting content corresponding to the provision request to the portable communication terminal of the content provision request source And wherein the door.

According to the settlement method using the portable communication terminal of the present invention, when the portable communication terminal receives the provision of the pay content by communication, the portable communication terminal transmits the paid content to the content provider. The content provision request is transmitted to the server device. Prior to the provision of the content, the server of the content provider transmits a payment request for a charge generated in providing the content to the portable communication terminal that has requested the content.

The contents of the payment request from the server device are notified to the user via the portable communication terminal that has received the payment request. Then, the mobile communication terminal receives a payment instruction input corresponding to the payment request,
When the instruction input is for instructing payment, a payment request is transmitted from the mobile communication terminal to the payment management device.

In the settlement management device, based on the transmitted settlement request, the portable communication terminal that has transmitted the settlement request is authenticated as to whether or not the user is a subscriber.
Make payments if authentication is successful. Further, the authentication result or the payment result is transmitted from the payment management device to the server of the content provider.

When the server device of the content provider receives a payment result from the payment management device indicating that payment for the content providing request source has been normally performed, the server device of the content providing request source is received. The content according to the request is transmitted to the mobile communication terminal.

Thus, in the portable communication terminal, the user confirms the contents of the payment request from the server device, and only when the user of the portable communication terminal inputs an instruction to accept the payment, the payment request is made. Is not transmitted from the mobile communication terminal to the payment management apparatus, so that payment according to a payment request contrary to the user of the mobile communication terminal is not performed.

Further, only when the settlement management device successfully setstles the user of the portable communication terminal as the requester of the content, the server device of the content provider requests the portable communication terminal of the requester from the content provider. Is provided, so that there is no inconvenience that the content provider cannot receive payment even though the content is provided.

A settlement method using the portable communication terminal according to the ninth aspect of the present invention is a settlement method using the portable communication terminal according to the seventh aspect of the present invention, wherein: When the received payment request is determined to be unacceptable, the payment request is transmitted from the mobile communication terminal to the server device, indicating that payment is not possible. I do.

According to the settlement method using the portable communication terminal according to the ninth aspect of the present invention, in the portable communication terminal, the payment request from the server device cannot be accepted based on preset condition information. If it is determined that there is, information indicating that the payment request cannot be accepted is transmitted to the server device.

Thus, when the payment request cannot be fulfilled, the user of the portable communication terminal, who should have been the payer, responds to the content provider's server device by responding to the payment request. You are notified promptly that payment cannot be made. Therefore, the server device does not wastefully provide the content to the recipient who cannot accept the payment, and provides a reliable settlement method for both the content provider and the user of the mobile communication terminal. Can be.

The settlement method using the portable communication terminal according to the tenth aspect of the present invention is the settlement method using the portable communication terminal according to the eighth aspect, wherein the settlement is performed in the instruction input accepting step. A payment non-executing information transmitting step of transmitting, from the mobile communication terminal to the claimant side, information indicating that payment is not performed when the instruction input indicates that payment is not performed. It is characterized by having.

According to the settlement method using the portable communication terminal according to the tenth aspect, the user of the portable communication terminal is notified of the contents of the payment request from the server of the content provider through the portable communication terminal. In the case where the instruction input for the payment from is an instruction not to perform the payment, information indicating that the payment cannot be performed is transmitted from the portable communication terminal to the server device of the content provider.

In this way, when the user of the portable communication terminal does not respond to the payment request, the user of the portable communication terminal sends the payment request to the server of the content provider through the portable communication terminal. The fact that the corresponding settlement cannot be performed is promptly notified. Therefore, the server device does not wastefully provide the content to the recipient who cannot accept the payment, and provides a reliable settlement method for both the content provider and the user of the mobile communication terminal. Can be.

The settlement method using the portable communication terminal according to the invention of claim 11 is the settlement method using the portable communication terminal according to claim 3 or 7, wherein the settlement method uses the portable communication terminal. The condition information to be set is a settable amount indicating a settable amount.

According to the settlement method using the portable communication terminal of the present invention, the settable amount is set as the condition information preset in the portable communication terminal. As a result, it is not possible to make a payment exceeding a predetermined amount that can be settled, so that shopping exceeding the limit can be effectively prevented.

According to a twelfth aspect of the present invention, there is provided a settlement method using a portable communication terminal according to the third or seventh aspect, wherein the settlement method using the portable communication terminal is provided. The condition information to be set is a possible number of payments indicating the number of times payment can be performed.

According to the settlement method using the portable communication terminal according to the twelfth aspect, the number of possible settlements is set as the condition information preset in the portable communication terminal. Thus, for example, even if the payment amount is small, it can be prevented that this is repeated many times, and as a result, the payment amount increases.

Further, a settlement method using the portable communication terminal according to claim 13 is a settlement method using the portable communication terminal according to claim 3 or 7, wherein the settlement method is set in the portable communication terminal. Wherein the condition information is a payment enabling method indicating a payment method.

According to the settlement method using the portable communication terminal of the present invention, the settlement method is set as the condition information preset in the portable communication terminal. This settlement method indicates how to make a settlement such as withdrawal from a bank, one-time payment, installment payment, and the like. Accordingly, it is possible to prevent the payment from being performed by the payment method that is not intended by the user of the mobile communication terminal.

The settlement method using the portable communication terminal according to the invention of claim 14 is the settlement method using the portable communication terminal according to claim 3 or 7, wherein the updating of the condition information is performed. Is performed based on a request for updating condition information input through an operation unit of the portable communication terminal.

According to the settlement method using the portable communication terminal of the present invention, the condition information set in advance in the portable communication terminal is updated by the condition information input through the operation unit of the portable communication terminal. This is performed in response to an update request. Thereby, the user of the mobile communication terminal can update the condition information for the payment request at any time as necessary, so that only the payment request corresponding to the user is accepted.

According to a fifteenth aspect of the present invention, there is provided a settlement method using the portable communication terminal according to the third or seventh aspect, wherein the updating of the condition information is performed. Receiving the condition information update request transmitted through the communication line, and performing the condition information update request based on the received condition information update request.

According to the settlement method using the portable communication terminal according to the fifteenth aspect of the present invention, the condition information set in advance in the portable communication terminal is updated by a request for updating the condition information transmitted through the communication line. Is received, and is performed based on the received update request. That is, the condition information of the portable communication terminal can be remotely updated by using, for example, a personal computer, a telephone, or another portable communication terminal having a communication function.

Thus, the portable communication terminal can be dropped,
In a case where there is a possibility of unauthorized use due to misplacement, theft, or the like, illegal use as a settlement terminal can be reliably prevented by changing condition information remotely. Further, since the user of the portable communication terminal can remotely update the condition information using another communication terminal, for example, a friend's portable communication terminal, the function as a settlement terminal can be quickly performed. Can be restricted.

The settlement method using the portable communication terminal according to the invention described in claim 16 is the claim 14 or 15.
In the settlement method using the portable communication terminal according to the invention described in the above item, the update request includes at least updated condition information and a password.

According to the settlement method using the portable communication terminal of the present invention, the updated condition information and the personal identification code are used as the condition information setting request, so that it is relatively simple. The condition information can be updated quickly and reliably.

A settlement method using the portable communication terminal according to the invention of claim 17 is a settlement method using the portable communication terminal according to the invention of claim 16, wherein the personal identification code is the condition. The mobile communication terminal is used exclusively for updating information. In the portable communication terminal, when the personal identification code included in the update request matches the setting information set in the mobile communication terminal, the condition information is updated. Is performed.

According to the settlement method using the portable communication terminal of the present invention, the condition information set in the portable communication terminal cannot be updated unless a dedicated password is used. To be. As a result, only the person who knows the dedicated security code can update the condition information, so that even when the mobile communication terminal is shared with the family, it is possible to prevent the payment from being performed more than necessary, Payment can be performed according to each of the above.

The settlement method using the portable communication terminal according to the invention according to claim 18 is a settlement method using the portable communication terminal according to claim 15, wherein the settlement method uses the portable communication terminal according to the update request. When the condition information is updated, a response including information indicating the result is returned to the transmission source of the condition information setting request through a communication line.

According to the settlement method using the portable communication terminal of the invention described in claim 18, in the portable communication terminal,
When the condition information is updated in response to the condition information update request transmitted through the communication line, the result is returned to the requesting communication device. This allows the user of the mobile communication terminal to know, through the requesting communication terminal, whether the condition information of his or her own mobile communication terminal that has been separated from his / her management has been updated normally, and the user can use it with peace of mind. A highly reliable settlement method can be provided.

[0064]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of a settlement method using a portable communication terminal, a settlement system and a portable communication terminal according to the present invention will be described with reference to the drawings.
A payment method, a payment system and a mobile communication terminal using a mobile communication terminal according to the present invention are, for example, paid services such as payment for billing caused by shopping at a sales store and downloading paid content through the mobile communication terminal. Is settled through a portable communication terminal without using cash or a credit card.

As described above, in the case of performing the settlement, the so-called in-store settlement in which the settlement is performed in the shop where the shopping is performed, and, for example, when downloading the paid content, the download is performed. There is a so-called out-of-store payment in which payment is made at a place set as described above, that is, at an arbitrary place.

For this reason, in the embodiment described below, the settlement method using the portable communication terminal according to the present invention is divided into the case of in-store settlement and the case of out-of-store settlement,
An embodiment of the payment system will be described. In addition,
As will be described later, the mobile communication terminal according to the present invention can be used as a payment terminal in both cases of in-store payment and out-of-store payment.

FIG. 1 is a diagram for explaining a first embodiment of a settlement system according to the present invention, and illustrates a settlement method according to the present invention and a mobile phone. A communication terminal is applied. The payment system according to the first embodiment is an example of a case where a so-called in-store payment is performed.

As shown in FIG. 1, the payment system according to the first embodiment includes a payment request device 101, a portable radio terminal 102, and a payment management device 106. In FIG. 1, a base station 103, a wireless switchboard 104, and a communication network 105 form a communication network for connecting a communication line (telephone line) between the portable wireless terminal 102 and the payment management device 106. .

The payment requesting apparatus 101 of the first embodiment is a terminal device of a so-called personal computer or POS system installed in a sales store, or a register device, and has a short-range wireless communication function. ,
It is configured such that short-range communication can be performed with a portable wireless terminal 102 used as a settlement terminal.

Then, the payment requesting device 1 of this embodiment
01 generates a payment request message (hereinafter, simply referred to as a payment request) based on sales information or the like input by a salesperson at a sales store, and sends the generated payment request message to the payment request destination using the short-range wireless communication function. Buyer's portable wireless terminal 10
Send to 2. The payment request transmitted from the payment requesting apparatus 101 includes, for example, identification information for identifying the portable wireless terminal of the transmission destination, information on the amount charged, and a settlement method.

The portable radio terminal 102 is one to which the portable communication terminal according to the present invention is applied, and has a function as a settlement terminal. The mobile wireless terminal 102 according to this embodiment has a mobile phone function and a short-range communication function, and can receive a payment request addressed to itself from the payment requesting apparatus 101 described above. Short-range wireless communication can be performed with the device 101.

Then, the portable radio terminal 1 of this embodiment
No. 02, as will be described later, can set in advance the condition information indicating the condition for the payment request in its own memory. As will be described later, the condition information indicates various conditions for performing settlement, such as, for example, the amount of money that can be settled (the amount of money that can be settled), the number of settlements that can be made (number of times that settlement can be made), and the settlement method. is there.

By setting such condition information in the memory of the portable wireless terminal in advance, the payment request device 101
The mobile wireless terminal 102 can automatically determine whether or not payment in response to the payment request is possible.
Then, in the portable wireless terminal 102, the payment request device 1
01 is acceptable, and if it is determined that the payment according to the payment request is possible, the portable wireless terminal 102 sets the payment request to perform the payment according to the payment request. A message (hereinafter, simply referred to as a settlement request) is formed.

This settlement request is transmitted to settlement management apparatus 106 via a communication line connected by portable radio terminal 102 making a call to settlement management apparatus 106.
Note that the payment request includes information such as user identification information (user ID) capable of identifying the user (user) of the portable wireless terminal that transmitted the payment request, a password, a payment amount, and a payment method. . Note that the user ID matches subscriber identification information (subscriber ID), which is one of the pieces of subscriber information managed by the settlement management device 106, which will be described later, and authenticates whether the user is a subscriber. Used in cases and the like.

In this embodiment, FIG.
As shown in the figure, the portable wireless terminal 102 is a base station 103,
Through the wireless exchange 104 and the communication network (telephone network) 105,
A communication line is connected between the settlement management device 106 and another communication terminal so that data can be transmitted / received and a call can be made. Although not shown, when the portable wireless terminal 102 communicates with another portable wireless terminal,
A wireless switchboard and a base station also exist on the other portable wireless terminal side.

The settlement management device (subscriber management device) 106, which is the destination of the settlement request from the portable radio terminal, has a subscriber registered in advance and manages settlement related to payment for each subscriber. is there. For this reason, the settlement management device 106 stores, for each subscriber, settlement condition information set in advance according to the wishes of the subscriber, a subscriber ID used to authenticate the subscriber, and a password. Information such as a number and a telephone number assigned to the portable wireless terminal is stored and held.

The settlement management information stored and held in the settlement management means 106 includes subscriber identification information (user ID),
It comprises various conditions for performing settlement for each subscriber, such as a personal identification number unique to each subscriber, a settlement limit, a settlement limit number, a settlement method such as credit settlement, prepaid settlement, and the like.

Then, in the settlement management device 106,
User I included in payment request from portable wireless terminal 102
Based on the D (subscriber ID) and the password, the user of the portable wireless terminal that has transmitted the payment request authenticates the payment management device 106 as to whether or not the subscriber has been registered. . If the authentication is successful, the user of the portable wireless terminal 102 that has transmitted the settlement request is a subscriber, and therefore performs settlement processing according to the settlement request and the settlement conditions of the subscriber.

In the settlement process, a procedure is performed to transfer the payment corresponding to the requested payment amount from the pre-registered bank account of the subscriber to the requester's bank account, or the payment is made in advance by the user. Processing such as transferring the payment corresponding to the requested payment amount to the claimant's bank account from the deposit received.

Note that the authentication result and the settlement result are transmitted from the settlement management device 106 to the portable radio terminal 102 that has issued the settlement request, and the user of the portable radio terminal 102 is
It is configured to be able to obtain information such as whether the settlement has been properly performed. In addition, the authentication result and the settlement result from the settlement management device 106 are also transmitted to the payment requesting device 101 by the short-range wireless communication function of the portable wireless terminal 102, and the sales clerk at the sales store through the payment requesting device 101 has settled normally It is possible to know whether or not it was done.

In this embodiment, the payment request device 101 and the portable radio terminal 102 are
Data can be mutually transmitted and received by the short distance wireless communication of the tooth system.

[Regarding Portable Radio Terminal] FIG. 2 is a block diagram for explaining portable radio terminal 102 to which the portable communication terminal according to the present invention used in the settlement system of this embodiment is applied.

First, the receiving system will be described. The received signal received through the antenna 201 is transmitted to the antenna duplexer 2
02 is supplied to the reception RF section 203. Receive RF
The unit 203 performs necessary band limiting and AGC (Automa) so that the received signal supplied thereto has an appropriate level.
tic Gain Control), and supplies the processed signal to the mixer 204.

Mixer 204 mixes a signal from local oscillator 211 whose frequency is controlled and an output signal from RF receiver 203 in order to convert the received frequency of the received signal to a constant frequency. The output signal from the mixer 204 is supplied to the reception IF unit 205. The reception IF unit 205 performs A / D conversion on the supplied signal to form IQ digital data having a constant bit rate. The IQ digital data is supplied to the reception demodulation unit 206.

The receiving / demodulating section 206 outputs the I
For Q digital data, remove effects such as fading, determine the type of received signal, de-interleave,
Error correction is performed, and an appropriate decoding process is performed to separate audio data from other communication data. The separated audio data is supplied to the audio decoding unit 207, and the other communication data is supplied to the communication data decoding unit 210.

Since the audio data is usually compressed and sent in blocks for each burst, the audio decoding unit 207
Expands and decodes the supplied audio data, and then performs D / A conversion according to the audio sampling rate. Thereafter, the D / A converted analog audio signal is power-amplified by the speaker amplifier 208 and
And the speaker 209 emits a sound corresponding to the analog sound signal.

On the other hand, the communication data supplied to the communication data decoding section is returned to the final original data here. The decoded communication data is transmitted to, for example, an external device such as a personal computer via an external interface (in FIG. 2, described as an external I / F) 243 via a CPU bus 235.

Next, the transmission system will be described. The microphone 218 converts the collected sound into an analog sound signal and supplies the analog sound signal to the microphone amplifier 217. Since the output of the microphone 218 is small, the microphone amplifier 217
The analog audio signal supplied thereto is amplified to a required voltage. The amplified analog audio signal is supplied to the audio encoding unit 216.

The audio encoding section 216 converts the supplied analog audio signal into an A signal at an appropriate sampling rate.
/ D conversion to digitize the analog audio signal. Then, the audio encoding unit 216 encodes the digital audio signal by a predetermined encoding method, compresses the digital audio signal, and compiles the digital audio signal into blocks corresponding to the burst signal in the transmission RF signal.

On the other hand, digital data input from an external device such as a personal computer through the external I / F 243 is collected into an appropriate block in the communication data encoding unit 219. Data from the voice encoding unit 216 and the communication data encoding unit 219 are combined by the transmission modulation unit 215 to be IQ digital data having a constant data rate.

The IQ digital data is transmitted to the transmission IF unit 2
After being D / A converted at 14 and converted into an analog modulation signal, the local oscillation unit 211 converts the signal into a desired transmission frequency.
Is mixed with a signal for conversion by the mixer 213. The signal converted into the desired frequency is amplified in power by the transmission RF section 212 so as to have necessary transmission power, and is radiated (transmitted) from the antenna 201 via the duplexer 202.

The Blue Tooth control unit 220 is for performing short-distance wireless communication separately from the communication using the portable telephone function. The transmission control unit 221 and the reception control unit 2
In this embodiment, short-range wireless communication is performed with the payment requesting apparatus 101 so that data can be mutually transmitted and received.

That is, under the control of the reception control unit 222, the Blue Tooth control unit 220 receives the payment request from the payment requesting device 101 and sends it to the CPU bus 2.
Through 35, it is supplied to the control unit 230. Also, under the control of the transmission control unit 221, Blue Too
The th control unit 220 can transmit data supplied from the control unit 230 through the CPU bus 235 to a target destination, in this embodiment, the payment requesting apparatus 101.

[0094] Although not shown, the payment request device 101 installed in the sales store is also provided with the Bl of the portable radio terminal 102.
Blue Toe similar to the use tooth control unit 220
By providing the other control unit, mutual short-range wireless communication between the payment requesting apparatus 101 and the portable wireless terminal 102 is enabled.

The control section 230 controls each section of the portable radio terminal 101 according to the first embodiment. As shown in FIG. 2, the CPU 231, the ROM 232,
RAM 233, EEPROM (Electrical
y Erasable and Programmab
(le ROM) 234 is connected via a CPU bus 235.

Here, the ROM 232 stores in advance programs to be executed by the CPU 231 and necessary data such as display fonts. Also,
The RAM 233 is mainly used as a work area. The CPU 231 stores data that is being calculated during the execution of the program by the CPU 231 and temporarily stores data exchanged between the control unit 230 and each unit. It is used when storing.

The EEPROM 234 stores, for example, the immediately preceding setting conditions even when the power of the portable radio terminal is turned off, and sets these setting parameters when the usage method is to make the same setting at the next power-on. Is stored. That is, the EEPROM 234 is a non-volatile memory in which data stored in the portable wireless terminal 102 is not erased even when the power of the portable wireless terminal 102 is turned off.
The data is stored in the EEPROM 234 and can be changed as needed.

Further, as shown in FIG. 2, the portable telephone terminal of this embodiment has a key interface (key I /
F) 241, external interface (external I / F) 24
3, card interface (card I / F) 244,
Display interface (display I / F)
247.

As described above, data I / F 243 is for connecting portable radio terminal 102 of this embodiment to an external device. The key I / F 241 is
The key operation unit 242 is connected to the control unit 230. The key operation unit 242 includes a numeric keypad,
It receives instructions and information input from a user provided with an off-hook key, an on-hook key, various function keys, and the like. This key operation unit 242,
Through the key I / F 241, instruction input and various information from the user are received, and the input information is supplied to the control unit 230.

The card I / F includes a card drive 245
Is connected. The card drive 245 stores the user ID stored in the SIM card 246 loaded therein.
It reads out personal information of the user such as D, personal identification number, and telephone number assigned to the mobile communication terminal, and supplies the read out information to the control unit 230 through the card I / F 244.

The display I / F 247 includes, for example,
A display such as an LCD (liquid crystal display) is connected. The display data from the control unit 230 is supplied to the display 248 through the display I / F 247. In this embodiment, the display 238 is an LCD, which is provided with a backlight, so that various kinds of information can be easily and clearly displayed.

In this embodiment, FIG.
, A ringer 251 for notifying the user of the portable wireless terminal of the incoming call or warning by voice, a vibrator 252 for notifying the user of the portable wireless terminal of the incoming call or warning by vibration, or notifying the incoming call, or , An LED (light emitting diode) 253 used as illumination is a CPU
It is connected to the bus 235 and configured to be controlled by the control unit 230.

In the portable radio terminal of this embodiment, the audio signal from microphone 218 is returned from audio encoding section 216 to audio decoding section 207. Thereby, the audio signal from the microphone 218 is mixed with the received audio signal of the other party, and the audio decoding unit 2
The digital audio signal is converted into an analog audio signal by the D / A converter 07 and is output from the speaker 209. That is, a part of the speaker's voice can be heard from the speaker 209.

This is the talker side tone (Talk
er Side Tone), by covering the ears with the receiver of the mobile phone terminal, it becomes difficult to hear the voice of the speaker's confidence, and it is possible to prevent the speaker's confidence from unconsciously trying to correct it and prevent the voice from becoming loud. This is to ease.

The mobile radio terminal of this embodiment has a plurality of modes such as a mobile phone mode, a payment mode, and a condition information setting mode. When the payment mode is selected, the CPU 231 of the control unit 230
The payment program is read from the ROM 232 and executed. The payment program is received from the payment request apparatus 101, a payment request is generated, the payment request is transmitted to the payment management apparatus 106, and an authentication result or a payment result from the payment management apparatus 106 is transmitted. A series of processes at the time of settlement, such as reception, authentication result, or transmission of the settlement result to the payment request device 101, are performed.

In the settlement system according to the first embodiment, as will be described later, the payment requesting device 101 installed in the sales store and the settlement management device 106 directly exchange data. Instead, data is always exchanged between the payment request device 101 and the payment management device 106 with the portable wireless terminal 102 interposed therebetween.

[Sequence from Billing to Payment Completion for In-Store Payment] Next, the portable radio terminal 10 shown in FIG.
In the settlement system shown in FIG. 1 (a system for performing in-store settlement) formed by using No.2, a flow of processing from billing to settlement completion will be described. FIG.
FIG. 6 is a sequence diagram for explaining a flow of processing in the settlement system according to the first embodiment for performing in-store settlement. This is an example of a case where the user has made a purchase at.

When the user of the portable wireless terminal 102 performs shopping, the salesperson (claimer) 301 of the sales shop inputs billing information to the payment requesting device 101 installed in the sales shop (step S311). . The billing information is input in accordance with the sales information, and includes, for example, a user ID for identifying the payment terminal of the buyer, what was purchased (article name),
The sales amount (charge amount), for example, information on payment such as a settlement method according to the offer of the user 302 of the mobile communication terminal as the purchaser.

Payment request device 10 installed at the store
1 forms a payment request based on the input billing information, and the portable wireless terminal 102 of the purchaser who has made a purchase request.
(Step S312). Payment request is
As with the billing information, user ID, purchased product name, billing amount,
It consists of a settlement method and the like.

When the portable radio terminal 102 receives the payment request for itself, as described above, the
Based on the condition information set in No. 4, it is confirmed whether the payment request is an acceptable request (step S313). As described above, the condition information is information such as a possible settlement amount, a possible number of settlements, and a settlement method. Check if it is different from the one determined in advance.

When the portable radio terminal 102 confirms that the payment request from the payment requesting device 101 can be accepted and that it can respond to the payment, the portable radio terminal displays the name of the purchased article, The user (user) 302 of the portable wireless terminal 102 is notified of billing information such as the billing amount and the payment method on the display 248 of the own device (step S314).

[0112] The user 302 of the portable radio terminal confirms the billing content displayed on the display 248 of the portable radio terminal (step S315). Then, the control unit 230 of the portable wireless terminal 102 requests an instruction input as to whether or not to make a payment. In response to the input request, the user of the mobile communication terminal 102 inputs an instruction as to whether or not to make a payment (step S316). If the user instructs to make a payment, necessary information such as a password is input.

Then, the control unit 230 of the portable wireless terminal 102 confirms whether or not the instruction input from the user 302 is an instruction to make a payment (step S3).
17). Control unit 230 of portable wireless terminal 102
Generates a payment request when the user instructs the payment management device 106 to make a payment, and makes a call to the payment management device 106 to the payment management device 106 through the communication line connected thereto. The data is transmitted (step S318).

As described above, this settlement request is composed of information such as a user ID, a password, a settlement amount, and a settlement method, and is settled through a communication line connected to a communication network such as the wireless exchange 104. (Step S319). Payment management device 106
Authenticates, based on the user ID and the password included in the received payment request, whether or not the user of the portable wireless terminal that has transmitted the payment request is a subscriber registered as a subscriber in the payment management device 106. Perform authentication processing (step S32)
0).

If the payment management device 106 has been authenticated, the payment management device 106 makes a payment for the user (subscriber) of the requesting portable wireless terminal 102 in response to the payment request (step S321). ). Then, the authentication result or the settlement result is transmitted from the settlement management apparatus 106 to the portable wireless terminal 10
2 (step S322, number of horizontal scanning lines 323).

[0116] The authentication result is information indicating whether or not the authentication has been successful, and the settlement result is information indicating whether or not the settlement according to the settlement request has been performed. By transmitting the authentication result and the settlement result to the portable wireless terminal 102 that made the settlement request, the portable wireless terminal 102 can surely know whether or not the settlement according to its own settlement request has been performed. it can.

[0117] The portable radio terminal 102 is connected to the settlement management device 10.
The authentication result from 6 and the settlement result are displayed on own display 2
At step S324, the authentication result and the settlement result are transmitted to the payment requesting apparatus 101 of the payment request source (step S3).
25). This transmission is transmitted and received between the payment request apparatus 101 and the portable wireless terminal 102 by short-range wireless communication.

The payment requesting apparatus 101 has a display (not shown), and displays an authentication result and a payment result from the portable wireless terminal 102 on the display, and performs a payment process according to the payment request from the own device. The salesperson is notified of whether the request has been made (step S326).

In the above description, it has been described that both the authentication result and the settlement result are transmitted from the settlement management device 106 to the portable radio terminal 102. However, both the authentication result and the settlement result are transmitted. Can be prevented from being sent. For example, the authentication result may be transmitted only when the authentication is not successful, and when the authentication is successful, only the settlement result may be transmitted. The reason why the payment process is performed is that authentication is always performed, and therefore, even if the payment result indicates that payment is impossible, it is different from the case where payment cannot be performed because authentication cannot be performed.

As described above, the payment requesting apparatus 101 installed in the sales store and the external payment management apparatus do not directly transmit and receive data, and the payment requesting apparatus 101 and the external payment management apparatus do not communicate with each other. The portable wireless terminal of the buyer who makes the payment always intervenes between them.

[0121] As a result, the purchaser who pays can confirm the process of settlement through his / her own portable wireless terminal, so that a settlement system that is easy for the user of the portable wireless terminal 102 as the purchaser to understand can be constructed. .
By using this payment system, the purchaser can easily and accurately settle the payment.

[0122] Whether or not the settlement has been properly performed is transmitted not only to the portable radio terminal 102 but also to the payment requesting device 101. Therefore, the sales clerk at the sales store can quickly and accurately know whether or not the payment has been properly performed, and the sales system can also construct a payment system that can be used with confidence. .

[Check in Mobile Radio Terminal for In-Store Payment] As described above, the EEPROM 234 of the mobile radio terminal 102 according to the present embodiment can set in advance condition information for a payment request. ing. As described with reference to FIG. 3, the condition information enables the confirmation processing in steps S313 and S317.

FIG. 4 is a sequence diagram for explaining a processing flow when portable radio terminal 102 confirms that the payment request from payment requesting apparatus 101 is not accepted in step S313 shown in FIG. is there. In FIG. 4, in steps S311 to S313, the same processing as that described above with reference to FIG. 3 is performed.

As described above, in the confirmation processing in step S 313 performed in the portable communication terminal 102, the billing amount included in the payment request received by the portable wireless terminal 102 is the settlement possible amount set in the EEPROM 234. The payment method received in the payment request corresponds to the payment method set in the EEPROM 234.
It is checked whether or not the number of possible payments set in 34 is zero.

In the confirmation processing in step S313, the control unit 230 of the portable wireless terminal 102 transmits the payment request from the payment requesting device 101 to the EEPROM 23.
4 is not accepted because it does not correspond to the condition information set in 4, that is, if it is confirmed that the payment corresponding to the payment request cannot be performed, the portable wireless terminal 102
The portable wireless terminal 1 indicates that the payment according to the payment request cannot be performed.
02 and the user (step S33).
0), the payment request device 101 is also notified (step S3).
31). Then, the subsequent payment processing is not performed.

That is, in step S330, control section 230 of portable radio terminal 102 forms a display message (payment refusal notification) for notifying that payment is not possible, and displays this message on display 248 through display I / F 247. To supply. As a result, a message indicating that the payment cannot be made is displayed on the display screen of the display 248, and the user of the portable wireless terminal 102 is notified that the payment according to the payment request cannot be made.

In step S331, the control unit 230 of the portable wireless terminal 102 forms a settlement refusal notice message, and controls the transmission control unit 221 of the Blue Tooth control unit 220 to perform short-range wireless communication. It is transmitted to the payment request device 101. Then, the payment requesting device that has received the settlement failure notification message notifies the salesperson or other person in charge of the sales store, for example, by displaying display information indicating that settlement is not possible on its own display.

As a result, the portable wireless terminal automatically determines whether or not the payment according to the payment request is possible based on the condition information set in advance in the portable wireless terminal without inquiring the payment management device 106. You can check. Then, as a result of the confirmation, when the payment request cannot be accepted, the user of the portable wireless terminal 102 and the payment request device 101 can be notified.

Therefore, it is possible to surely prevent the settlement from being performed beyond the settable amount or the settable number of times only by the processing in the portable wireless terminal. In addition, if the mobile wireless terminal is misplaced, dropped, lost, or stolen, for example, if it is used illegally, reduce the damage caused by the unauthorized use. Can be.

Further, the setting of the condition information in the portable radio terminal can be performed only by a specific person, for example, by making it impossible only by using a password for setting condition information. In the case where the wireless terminal is shared by a family or the like, the parent can manage the settlement possible range of the child.

Further, the sales store can easily and reliably know, through the payment requesting apparatus 101, whether the payment cannot be performed or the payment has been normally performed. And sell the goods.

[Check in Mobile Radio Terminal for In-Store Payment] As described above with reference to FIG. 3, the mobile radio terminal 102 can accept the payment request from the payment request device 101 in step S313. When it is confirmed that there is, a payment instruction input from the user of the portable wireless terminal 102 is received, and it is finally determined whether or not to transmit a payment request to the payment management apparatus 106.

FIG. 5 is a sequence diagram for explaining the flow of processing when portable radio terminal 102 confirms not to make a payment in step S317 shown in FIG. In FIG. 5, steps S311 to S3
In 317, the same processing as the processing described above with reference to FIG. 3 is performed.

If it is confirmed that the instruction input to the mobile communication terminal 102 by the user of the mobile communication terminal 102 is an instruction not to perform the payment (reject the payment), the mobile terminal 102 responds to the payment request. Notifying the user of the portable wireless terminal 102 that the payment has not been performed (step S340), and also notifying the payment requesting apparatus 101 (step S341). Then, the subsequent payment processing is not performed.

That is, in step S340, control unit 230 of portable radio terminal 102 forms a display message (payment refusal notification) for notifying that payment is not possible, and displays it on display 248 through display I / F 247. To supply. As a result, a message indicating that the payment cannot be made is displayed on the display screen of the display 248, and the user of the portable wireless terminal 102 can be notified that the payment according to the payment request is not performed.

In step S341, the control unit 230 of the portable wireless terminal 102 forms a settlement refusal notice message, and controls the transmission control unit 221 of the Blue Tooth control unit 220 to perform short-range wireless communication. It is transmitted to the payment request device 101. Then, the payment requesting device that has received the settlement failure notification message notifies the salesperson or other person in charge at the store, such as by displaying display information indicating that settlement is not to be performed on its own display. Then, in this case, the settlement request is not transmitted to the settlement management device 106 as shown in FIG.

[0138] When it is confirmed that the settlement is not to be performed, this is notified to the payment requesting apparatus 101.
There is no occurrence of trouble such as delivery of a product to a user who has canceled payment.

When it is confirmed that the settlement is not to be performed, this is also notified to the user 201 of the portable radio terminal 102. Therefore, the user is clearly notified that the settlement is not performed. be able to.

As described above, the final decision as to whether or not to make a payment can be made by the user of portable radio terminal 102, and adjustment of settlement conditions and the like can be made by the user of portable radio terminal 102. , Mobile communication terminal 1
02, it is possible to construct a payment system that is easy to understand and can be used with ease.

Further, the final decision as to whether or not to make a payment can be made by the user of the portable radio terminal 102 in step S316, so that the user purchases an incorrect one or purchases more than the planned amount. It is possible to prevent such things as getting lost.

[Second Embodiment: Case of Performing Out-of-Store Payment] FIG. 6 is a diagram for explaining another embodiment of a payment system and a payment method using a portable communication terminal according to the present invention. This is an example in the case of performing so-called out-of-store payment.
Here, the case where the pay content is provided from the content server of the content provider to the portable communication terminal by communication (when the content is downloaded)
A case will be described as an example in which payment is made for the charge generated in.

In FIG. 6, the base station 402, the radio switch 403, and the communication network 404 are the same as the base station 103 shown in FIG.
It is the same as the wireless exchange 104 and the communication network 105.
That is, the base station 402, the wireless switch 403, the communication network 4
04 forms a communication network.

[0144] The settlement system of this example is constituted by a portable radio terminal 401, a content server 405, and a settlement management device 406. Portable wireless terminal 401
The content server 405 and the settlement management device 406 are connected to a communication network including a base station 402, a wireless switch 403, a communication network 404, and the like, and can mutually transmit and receive data.

The portable radio terminal 401 has the same configuration as the portable radio terminal 102 of the first embodiment described above with reference to FIG. For this reason, also in the second embodiment, the portable wireless terminal 401 has the configuration shown in FIG. 2, and the second embodiment will be described with reference to FIG. 2 as necessary. I do.

[0146] The portable radio terminal 401 connects the telephone line through the communication network by making a call to the content server 405.
The content server 405 makes a content provision request to the content server 405 and receives the desired content from the content server 405. The content server 405 holds various types of content, and provides the requested content to the requesting portable wireless terminal in response to a content provision request transmitted through a communication network.

The contents that can be provided by the contents server 405 include music information, image information, and the like, and a user of the portable wireless terminal receiving the provision of the pay contents is charged. In the second embodiment, the billing information is transmitted from the content server 405 to the portable wireless terminal 401 requesting the content, and is notified to the user of the portable wireless terminal 401. When the mobile wireless terminal 401 makes a payment for billing, the mobile wireless terminal 401 issues a payment request to the payment management device 406, and the payment management device 406 performs the payment.

Payment management device (subscriber management device) 406
Is configured in the same manner as the settlement management device 106 of the above-described first embodiment, in which subscriber registration is performed in advance to manage settlement related to payment for each subscriber. The payment management device 406 stores, for each subscriber, payment condition information set in advance according to the wishes of the subscriber and information such as a subscriber ID used to authenticate the subscriber. Is held.

Note that in the second embodiment,
The settlement request from the portable wireless terminal 401 is transmitted to the settlement management device 406 through the content server 405 and the communication network, as described later. As described above, in the second embodiment, a case where the content server 405 and the payment management device 406 are connected via a communication network will be described as an example, but the content server 405 and the payment management device 406 A communication line can be connected via a dedicated line.

[Sequence Until Settlement in the Case of Out-of-Store Payment] FIG. 7 is a sequence diagram for explaining the flow of processing in the settlement system of the second embodiment for performing out-of-store payment. When receiving the provision of the content from the content server 405 through the portable wireless terminal 401, the user 501 of the portable wireless terminal 401 makes a telephone call to the content server 405 through the portable wireless terminal 401 to communicate with the content server 405. To obtain information such as a list of contents that can be provided.

The user 50 of the portable wireless terminal 401
In step S511, the user 1 selects a desired product content using a simple browser executed on the portable wireless terminal 401 and inputs necessary information such as a personal identification number (step S511). The process of step S511 is a process in which the user 501 inputs a content provision request to the portable wireless terminal 401.

The portable radio terminal 401 forms a content provision request message (hereinafter simply referred to as a content provision request) based on the input information, and connects (forms) the message to a communication network including the wireless exchange 403 and the like. The content is transmitted to the content server 405 via the communication line (step S512, step S513). The content provision request transmitted from the portable wireless terminal 401 is:
This is based on the identification ID of the mobile communication terminal 401, the identification ID of the user of the mobile communication terminal 401 (user identification ID), the identification information of the content requested to be provided, and the like.

Upon receiving the content provision request from the portable wireless terminal, content server 405 transmits a billing confirmation request including information such as a user identification ID included in the request to payment management device 406, and transmits the content provision request. Is registered as a subscriber in the payment management device 406, and the payment management device 406 checks whether payment for billing is possible (step S514).

Note that in the second embodiment,
As shown in FIG. 6, only one payment management device exists. However, when a plurality of companies provide a settlement service through the settlement management device, the identification ID (settlement management device ID) of the settlement management device with which the user has registered the subscriber is included in the content provision request. By doing so, it is possible to cope with the case where a plurality of payment management devices exist.

Upon receiving the billing confirmation request from the content server 405, the settlement management device 406 identifies the user based on the user identification ID and the password included in the request, and uses the result as a confirmation response as a confirmation response. 405 is returned (step S515).

[0156] Based on the confirmation response from payment management device 406, content server 405 determines that the user of portable radio terminal 401 that has transmitted the content provision request is a user registered as a subscriber in payment management device 406. Then, it is confirmed whether or not a person who can perform billing, that is, a person who can perform settlement for billing in the settlement management device 406 (step S516).

[0157] In the confirmation of step S516, if it is confirmed that the user of the portable communication terminal that transmitted the content provision request can be charged, the content server 405 provides the requested content. , And transmits the payment request to the portable wireless terminal 401 through the communication network including the wireless exchange 403 (step S51).
7, Step S518). The payment request includes information such as identification information for identifying the destination portable wireless terminal, a user ID, a billed amount, and a settlement method.

[0158] The portable radio terminal 401 is the first radio terminal shown in FIG.
The configuration is the same as that of the portable wireless terminal 102 according to the embodiment of the present invention.
In 4, a settable amount, a settable number of times, and a settlement method are set in advance as condition information. Therefore, the control unit 230 of the portable wireless terminal 401 is configured to use the EEPROM 2
Based on the condition information set in advance in 34, it is confirmed whether or not the payment request from the content server 405 is acceptable (step S519).

In the confirmation processing in step S519, if it is confirmed that the payment request from the content server is acceptable, the portable radio terminal 401 forms a payment content notification message in response to the payment request, and displays this message on the display. The data is supplied to the display 248 through the I / F 247 (step S520).

As a result, the payment content notification message is displayed on the display screen of the display 248, and the user 502 can confirm the payment content such as the billed amount and the settlement method (step S521). Then, the user of the mobile communication terminal 401 checks the payment content,
An instruction for payment is input to the portable wireless terminal 401 (step S522).

The instruction input performed in step S522 can receive an instruction as to whether or not to make a payment and a password. Then, the portable wireless terminal 401 confirms whether or not to make a payment based on the instruction input from the user 501 in step S522 (step S523).

In the confirmation processing of step S523, when it is confirmed that the input for instructing the settlement has been made, the portable radio terminal 401 forms a settlement request, and sends this through the communication network and the content server 405. Is transmitted to the settlement management device 406 (step S5).
24, step S525).

The settlement request is, like the settlement request in the first embodiment described above, user identification information (user ID) capable of identifying the user of portable radio terminal 401.
D), a password, a payment amount, and a payment method. The user ID matches the subscriber identification information (subscriber ID) managed by the payment management apparatus, and is used when authenticating the subscriber.

[0164] Then, the settlement management device 406 that has received the settlement request sends the settlement management device 106 the user of the portable wireless terminal that has transmitted the settlement request based on the user ID and the password included in the received settlement request. An authentication process is performed to authenticate whether the subscriber is a registered subscriber (step S52).
6).

[0165] When the settlement management device 406 has been authenticated, the settlement management device 406 performs settlement for the requesting user (subscriber) in response to the settlement request.
Then, the authentication result or the settlement result is transmitted to the settlement management device 4.
From 06, the content server 405 is notified in the second embodiment (step S527).

The authentication result and the settlement result are supplied to the content server 405 with a user ID for specifying the subscriber who is the user who has provided the content provision request added. Thereby, the content server 405 can know whether or not the payment in response to the payment request has been normally performed for the user who has requested the content provision.

When the content server 405 is notified by the result information from the payment management device 406 that the payment in accordance with the payment request to the content providing request source user has been normally performed, the content providing request is transmitted. The content corresponding to the request is distributed to the portable wireless terminal 401 of the original user through a communication line connected to a communication network including the wireless switch 403 (steps S528 and S529).

In this way, the portable wireless terminal 401
The payment for the billing that occurs when receiving the provision of the paid content from the content server 405 is always performed via the portable wireless terminal. In other words, information about the charging that occurs in providing the paid content is notified to the user of the mobile wireless terminal 401, and the final determination as to whether to perform the payment for the charging is determined by the user of the mobile wireless terminal 401. be able to.

Therefore, it is possible to construct a payment system that is easy to understand and cannot be used with security by the user of the portable wireless terminal. By using this payment system, the purchaser can easily and accurately settle the payment.

[0170] Further, since the content server 405 can deliver only to the request source for which payment has been normally made, it is possible to reliably prevent unauthorized use of pay content. Therefore, the content server 4
Also, a payment system that is easy to understand and that can be used with confidence can be constructed for the content provider that manages the service provider 05.

[Confirmation of Payment Acceptability] As described above with reference to FIG. 7, it is determined whether or not payment can be made for a charge generated in providing paid content, or whether or not payment should be made. , Content server 4
This is performed in step S516 of step S05, and is performed in steps S519 and S523 of the portable wireless terminal 402.

In FIG. 7, in any of the confirmation processes in steps S516, S519, and S523, if the settlement is possible or it is confirmed that the settlement is to be performed, it is determined from the generation of the content provision request that the settlement is performed. The flow of processing up to completion has been described. But,
In each of the confirmation processes of step S516, step S519, and step S523, a case may occur in which it is confirmed that settlement is impossible or that settlement is not performed.

Therefore, steps S516 and S5
19 and the flow of processing in the confirmation processing in step S523 when it is confirmed that payment is not possible or payment is not performed, will be described with reference to the sequence diagrams of FIGS.

[Confirmation of Payment Addition in Content Server Confirmation Processing] FIG.
FIG. 11 is a sequence diagram for explaining a processing flow when it is confirmed that settlement is impossible in the confirmation processing of step S516 performed in 05. In each step from step S511 to step S516, the same process as the corresponding step described above with reference to FIG. 7 is performed.

In step S515, if the acknowledgment provided from settlement management device 406 to content server 405 indicates that the user of the content providing request cannot be specified, content server 40
In the confirmation processing of step S516 performed in step 5, it is confirmed that settlement is not possible.

In the confirmation processing of step S516, if it is confirmed that settlement is not possible, the contents server 4
05 forms a delivery-disabled notification message for notifying that paid content cannot be delivered because the user cannot make payment in the payment management device 406. Then, the portable wireless terminal 401, which is the content providing request source, transmits the delivery impossible notification message through a communication line connected to a communication network including the wireless switchboard 403 and the like.
(Step S530, Step S531).

As described above, the contents server 405
Prior to distribution of the pay content, the settlement management device 406
(Steps S514 and S515) to determine whether the user of the portable wireless terminal that has requested to provide the content has been registered as a subscriber in the payment management apparatus 406 and is a user who can perform payment. Can be confirmed.

[0178] Then, it is possible not to respond to a content provision request from a user who is not a subscriber registered in the settlement management device 406. In addition, the user of the portable wireless terminal 401 that has transmitted the content provision request and who has not been registered as a subscriber in the payment management device 406 is notified that the content cannot be distributed, and provided with the content. If the user wants to receive it, the user can be prompted to register the subscriber in the settlement management device 406.

[Regarding Confirmation Process of Payment Acceptability in Portable Radio Terminal] Next, a description will be given of a case where it is confirmed in the first confirmation process (confirmation process in step S519) performed in the portable communication terminal 401 that payment is impossible. I do. FIG. 9 is a sequence diagram for explaining the flow of processing when it is confirmed that payment is impossible in the confirmation processing of step S519 performed in portable radio terminal 401. In each step from step S511 to step S519, the same processing as the corresponding step described above with reference to FIG. 7 is performed.

Then, as described above, step S51
In the confirmation process of No. 9, the billing amount and the settlement method included in the payment request from the content server 405 match the condition information set in advance in the EEPROM 234 of the portable wireless terminal 401, and whether or not it is possible to receive it Check if.

In the confirmation processing of step S519, if it is confirmed that the payment request from content server 405 is not accepted, control unit 230 of portable radio terminal 401 cannot accept the payment request, and Form a settlement failure notification message notifying that payment is not possible. Then, the payment failure notification message is transmitted to the content server 405 via the communication network including the wireless exchange 403 (steps S540 and S541).

Further, control unit 230 of portable radio terminal 401 forms a display message notifying that the payment request from content server 405 is not accepted by confirmation based on the condition information, and transmits this message through display I / F 237. By supplying the information to the display 238, the user 501 of the portable wireless terminal 401 is notified that the payment cannot be accepted and the payment cannot be made and the content cannot be provided (step S542).

In the confirmation processing of the portable radio terminal in step S519, the EEPRO
The number of possible settlements of the condition information set in M234 is 0, the billing amount included in the payment request is larger than the possible settlement amount of the condition information, or the settlement method included in the payment request is the condition information. If it does not match the settlement method, it is confirmed that the received payment request cannot be accepted.

As described above, based on the condition information preset in portable radio terminal 401, content server 405
If it cannot be confirmed that the payment request from can be accepted, no settlement is performed. In this case, since the portable wireless terminal 401 notifies the content server 405 of the settlement failure notification, the content server 4
05 does not provide paid content to users who cannot pay.

[0185] Also, the settlement refusal notice is sent to the portable radio terminal 40.
1, the user 501 of the portable wireless terminal 401 is also notified.
Cannot accept a payment request, cannot issue a payment instruction, and can reliably know that the content cannot be provided.

[0186] Therefore, there is no mistake of the portable communication terminal 401, the content server 405, the settlement management device 406, or the trouble of the communication network. In addition, if it is desired to receive the provision of the content, it is possible to take a good harvest to change the condition information and the like.

Further, it is possible to prevent the settlement amount from becoming larger than expected. Also, if you misplace or drop your mobile wireless device and lose it,
In the case of being stolen, for example, when it is used illegally, it is possible to reduce the damage caused by the unauthorized use.

[0188] Setting of condition information in the portable radio terminal can be performed only by a specific person, for example, by setting a condition information setting password or the like so that only a specific person can set the condition information. In the case where the wireless terminal is shared by a family or the like, the parent can manage the settlement possible range of the child.

[Regarding Confirmation Process of Payment Acceptability in Portable Radio Terminal] Next, a description will be given of a case where it is confirmed that the payment is impossible in the second confirmation process (confirmation process in step S523) performed in the portable communication terminal 401. I do. FIG. 10 is a sequence diagram for explaining the flow of processing when it is confirmed that settlement is impossible in the confirmation processing of step S523 performed in portable radio terminal 401. In each step from step S511 to step S523, the same processing as the corresponding step described above with reference to FIG. 7 is performed.

Then, as described above, step S52
In the confirmation process 3, it is confirmed whether or not to make a payment based on an instruction input from the user 501 of the portable wireless terminal 401.

In the confirmation processing in step S523, when it is confirmed that the instruction input from the user 501 is an instruction for not performing the payment (refusing the payment), the control unit of the portable wireless terminal 401 230
Forms a settlement failure notification message notifying that settlement is not possible according to an instruction from the user. Then, this settlement impossible notification message is transmitted to the content server 40 through the communication network including the wireless exchange 403 and the like.
5 (Step S550, Step S55)
1).

The control unit 230 of the portable wireless terminal 401 forms a display message notifying that no payment is to be made, and supplies this to the display 238 through the display I / F 237 so that the payment is not made. Notify the user 501 of the portable wireless terminal 401 that the content is not provided (step S
552). Then, in this case, the settlement request is not transmitted to the settlement management device 406 as shown in FIG.

As described above, the final decision as to whether or not to make a payment can be made by the user of the portable radio terminal 102, so that a settlement system that is easy for the user of the portable communication terminal 102 to understand and can use with confidence can be constructed. can do. By using this payment system, the purchaser can easily and accurately settle the payment.

[0194] Further, the final decision as to whether or not to make a payment can be made by the user 501 of the portable radio terminal 401 in step S523, so that the wrong content is purchased or the content is downloaded more than planned. Can be prevented.

When it is confirmed that the settlement is not to be performed, this is notified to the content server 405, so that the content server 406 does not provide the user 501 of the portable radio terminal 401 that does not perform the settlement. . Further, when it is confirmed that the payment is not performed, this is notified to the user 501 to the portable wireless terminal 401, so that the user can be clearly notified that the payment is not performed. .

[Regarding Condition Information Set in Portable Radio Terminal] Next, the first, second, and third configurations having the configuration described with reference to FIG.
EE of the portable wireless terminals 102 and 401 of the second embodiment
Condition information preset in the PROM 234 and its setting will be described.

As described above, the condition information set in the portable wireless terminal is such that the settlement according to the payment request can be performed without inquiring the settlement management apparatus 106 as to whether the settlement according to the payment request is possible. It is possible to quickly and clearly determine whether or not it is possible in a portable wireless terminal.
Avoid making unplanned payments. Improve security when lost or stolen. In a case where a portable wireless terminal is shared by a family or the like, it is possible for a parent to manage the settlement range of a child. Such an effect is brought about.

FIG. 11 is a diagram for explaining the condition information set in advance in the EEPROM 234 of the portable radio terminals 102 and 401. Among them, FIG.
A is the EEPROM 23 of the portable wireless terminals 102 and 401.
FIG. 11B is a diagram for explaining an example of a format of condition information set to No. 4, and FIG. 11B is a diagram for explaining a specific example of condition information.

[0199] As shown in FIG.
The condition information set in advance in the EEPROM 234 of 2, 401 is composed of 16 bits. This 16
Of the bit condition information, bits 0 (bit 0) to bit 3 (bit 3) represent the amount that can be settled. Here, the money amount that can be settled at one time is shown.
As shown in the column of bit0-3, bit 0 to bit 3
Is "0000" in decimal notation, the value is "0" in decimal notation, and the payable amount is 0 yen, which means that no charge can be made.

Bits 0 to 3 are "000"
In the case of "1", the value is "1" in decimal notation, and the possible settlement amount is 100 yen, which means that settlement up to 100 yen is possible at one time. Also, when bits 0 to 3 are “0010”, the value is “2” in decimal notation, the possible settlement amount is 1000 yen, and 1
This means that payment up to 1,000 yen is possible at a time.

Bits 0 to 3 correspond to “001”.
In the case of "1", the value is "3" in decimal notation, and the possible settlement amount is 10,000 yen, which means that settlement up to 10,000 yen is possible at one time. As described above, the value of bits 0 to 3 represents the amount of money that can be settled.

Further, bit 4 (bit 4) to bit 7
Up to (bit 7) indicates the number of possible settlements. Here, 1
Represents the number of payments that can be made in a month, and in FIG.
As shown in the column of t4-7, when bits 4 to 7 are “0000”, the value is “0” in decimal notation.
And the number of possible settlements is 0, which means that no charge can be made.

Bits 4 to 7 are "000"
In the case of "1", the value is "1" in decimal notation, and the number of possible settlements is one, which means that settlement is possible once a month. When bits 4 to 7 are “0010”, the value is “2” in decimal notation.
And the number of possible settlements is two, which means that settlement can be made up to twice a month. Thus, the number of possible settlements is represented by the values of bits 4 to 7.

Further, bit 8 (bit 8) to bit 1
1 (bit 11) indicates a settlement method, and b in FIG. 11B
It8 column, bit9 column, bit10 column and bi
As shown in the column of t11, it indicates whether various settlement methods can be used. Also, bit 12 (bit 12) to bit 1
Up to 4 (bit 14) represents the charging restriction information, and FIG.
As shown in the "bit12", "bit13", and "bit14" columns, it is possible to indicate whether the number of payments is limited, whether the payment amount is limited, and whether charging is possible.

The bank account and the like are stored in the settlement management device 10.
6, 406 must be registered at the time of registration, and if not registered, even if bit 9 is set to “1: bank transfer possible”, the settlement management device 1
06, 406 can make corrections such as changing this setting to “0: Bank debit settlement impossible” or ignore the setting.

Bit 15 (bit 15) is used to validate the charging condition update information input to the portable communication terminals 102 and 401 and to set the condition information according to the supplied charging condition update information, or to set the default condition information. This is a flag for switching whether to use a value. That is, b in FIG.
As shown in the it15 column, when the bit 15 is “0”, the accounting condition update information input to the portable wireless terminals 102 and 401 is validated, and the condition information is updated in accordance with the input accounting condition update information. Settings can be made.

When the bit 15 is “1”, the charging condition update information input to the portable wireless terminals 102 and 401 is invalidated, and the default value of the portable wireless terminal,
Alternatively, the subscriber management devices 106 and 406 are reset to the determined values.

As will be described later, the condition information in the EEPROM 234 of the portable radio terminal can be updated by a charging condition update information message from the user supplied from the user via the communication line or from the settlement management device. Has been. Then, the EEOROM 2 is transmitted according to the charging condition update information message transmitted from the user.
When the condition information of 34 is updated, “0” is set to the bit 15.

[0209] Also, ignoring the request from the user, the EEOROM 23 receives the default value of the portable radio terminal or the charging condition update information message from the payment management device.
When the condition information of No. 4 is updated, or when the user originally sets “1”, the bit 15 is set to “1”.

The example of the condition information shown in FIG.
For example, the bit length and the combination of the condition information can take various forms. For example, an upper limit of the total amount that can be settled is set as a settable amount,
It is possible to set an upper limit of the amount of money that can be settled in a unit of a predetermined period, such as in units of months. As described above, the condition information may be determined first when constructing the payment system.

In the case of the second embodiment,
No short-range communication is performed. Therefore, as in the case of the second embodiment, in the case of a portable wireless terminal that performs only so-called out-of-store payment, the Bl that realizes the short-distance communication function is used.
It is not necessary to provide a ue Tooth control unit.

[Third Embodiment: Regarding Direct Setting of Condition Information] Next, the portable radio terminal 10 used in the settlement systems of the first and second embodiments described above.
A description will be given of the setting of the condition information to the items 2 and 401. The setting of the condition information in the portable wireless terminal includes a direct setting performed by directly inputting the condition information to the portable wireless terminal, and a remote setting performed remotely through a communication network. In the following, a description will be given of a process of setting condition information in a portable wireless terminal, which is divided into direct setting and remote setting.

[Direct Setting of Condition Information] FIG.
FIG. 9 is a sequence diagram for explaining a flow of processing when condition information is directly set in the portable wireless terminals 102 and 401 used in the settlement systems according to the first and second embodiments. As shown in FIG. 12, the portable wireless terminal 102,
406 users 301 and 501
A condition information setting request is made to the second and the second 406 (step S610).

The processing in step S610 is performed by operating a predetermined function key of the portable wireless terminal or by selecting an item of the condition information setting mode from the menu screen to set the condition information. This corresponds to switching to the mode.

Upon receiving the condition information setting request, portable radio terminals 102 and 401 make an authentication request (step S).
611). Specifically, in step S611,
Control unit 230 of portable wireless terminals 102 and 401
Displays a password input screen on the display 248 and requests the users 301 and 501 to input a password.

In response to the password input request, users 301 and 501 enter the password (step S6).
12). The portable wireless terminals 102 and 401 input the personal identification number in advance into the portable wireless terminals 102 and
Authentication processing is performed to authenticate whether or not the password is the password set in 401 (step S613). If the authentication is successful, the user is notified that authentication was successful (step S614).

The processing in step S614 is performed, for example, by
This is performed by displaying the condition information setting screen on the display 248 of the portable wireless terminals 102 and 401 and switching to the condition information setting mode. And user 301,
501, through the displayed condition information setting screen, as described above, the possible settlement amount, the possible settlement number, the settlement method,
Information such as charging restriction is input (step S615), and the portable wireless terminals 102 and 40 are input in accordance with the input information.
At 1, the condition information is set or changed in the EEPROM 234 (step S616), and the setting and change of the condition information are completed.

When the portable radio terminals 102 and 406 are shared by a plurality of persons such as family members, the password input in step S612 is different from the authentication number for the payment processing used in the payment processing or the like. Authentication information for setting condition information is used. The authentication information for setting the condition information is a specific user, for example, the portable wireless terminal 10.
In the case where 2, 401 is shared by a family member, only the manager such as the parent knows it and not the other sharers.

In this way, the portable radio terminal 10
Even if two or more persons are shared by two or more persons, only the manager can set or change the condition information. Therefore, it is possible to prevent a child who is a common person from making an inconvenience such as making a large settlement. Can be.

FIG. 13 shows the portable radio terminal 10 of the condition information.
The portable wireless terminal 102, 40 after the authentication process (step S613) at the time of direct input (at the time of setting, change) to the second 2, 406
3 is a flowchart for explaining the process in FIG. As described above with reference to FIG.
01, when the personal identification number is entered, the portable wireless terminal 10
2, 401 perform an authentication process (step S701),
It is determined whether or not the authentication has been obtained (step S702).

If it is determined in step S702 that the authentication has been obtained in the determination processing, the portable radio terminal 102
401 is a condition information setting mode, and the user 301,
The input of the condition information from the user 501 is received (step S7).
03), based on the received condition information,
234 is updated (step S704), and the process of FIG. 13 ends.

If it is determined in step S702 that the authentication has not been successful, the process shown in FIG. 13 is terminated without any further action. As described above, when the authentication is not successful, the portable wireless terminal 10
In steps 2 and 401, setting and changing of condition information cannot be performed without switching to the condition information setting mode. Here, when the authentication is not obtained, the screen returns to the initial screen. Of course, it may be required to input the password again.

[Remote Setting of Condition Information] Setting and changing of condition information to the portable radio terminals 102 and 401 can be remotely performed through the communication line as described above. FIG. 14 shows portable radio terminals 102 and 40.
FIG. 3 is a diagram for explaining a communication path when setting and changing condition information to 1 are remotely performed through a communication line.

In FIG. 14, an exchange 803, a communication network 804, a wireless exchange 805, and a base station 806 form a communication network (telephone communication network). Personal computer (described as PC in FIG. 14) 8
01 or the telephone 802 in this example has a remote condition information setting change device for remotely setting or changing the condition information of the portable wireless terminal 807 which is the operation target terminal. I have.

That is, in the case of the example shown in FIG. 14, a personal computer 801 installed at home or the like and connected to a communication network, or
Through the telephone 802, the target portable wireless terminal 807
And transmits a condition information from the personal computer 801 or the telephone 802 to the portable wireless terminal 807, thereby making the portable wireless terminal 8
07 condition information is set or changed. The portable wireless terminal 807 is a portable wireless terminal such as the portable wireless terminals 102 and 401 described above.

FIG. 15 shows a portable radio terminal 807 through a telephone 802 in the communication network shown in FIG.
FIG. 8 is a sequence diagram for explaining a flow of processing when setting or changing condition information in the first embodiment. As shown in FIG. 15, for example, the user 901 of the portable wireless terminal 807
However, when changing the condition information of the portable wireless terminal 807 which is not at hand, the telephone 802 is off-hook,
By inputting the telephone number of the portable wireless terminal 807,
A call is made to the portable wireless terminal 807 (step S910).

Telephone 802 receiving dial input
Forms a call request message and sends it to the communication network (step S911). Exchange 803,
A communication network formed by the communication network 804, the wireless switching device 805, and the like converts a call request message into a call request message, and converts the call request message into the portable wireless terminal 8 as an operation target terminal
07 (step S912).

Upon receiving the incoming request message, portable radio terminal 807 makes an incoming call determination (step S91).
3). In the incoming call determination, if the incoming request message is not accepted, it is ignored or the portable wireless terminal 8
If 07 has an answering machine function,
The answering machine function is activated to connect the communication line (step S914).

In step S914 of portable radio terminal 807, when the answering machine function is activated, a password for setting condition information which is input and transmitted by user 901 through the connected communication line, and loaded into own device Authentication is performed by comparing the SIM card with a personal identification number set in advance (step S91).
5). If the authentication is not successful in the authentication processing of step S915, the connected communication line is disconnected (step S916), and this processing ends. Also, in the authentication process of step S915,
If the authentication is successful, the communication is established via the connected communication line (step S921).

Further, as will be described in detail later, step S9
In the incoming call determination in step 13, when the incoming call request message is successfully received, the portable wireless terminal 807 forms an incoming call response message and sends it to a communication network such as the communication network 804 (step S918).
The communication network formed by the communication network 804 or the like converts the incoming response message into an incoming notification message and transmits the message to the calling telephone 802 (step S).
919).

When the telephone 802 receives the incoming call notification message, the telephone 802 stops emitting a sound indicating that a call is being made, or emits an LED or the like, for example.
The user is notified of the connection of the communication line (step S920), and the connection of the communication line is completed. Then, a state is established in which communication is performed (step S921).

Then, when the communication line is connected, the user 901 inputs condition information through operation keys such as numeric keys of the telephone 802 (step S922). In the process of step S922, the user 901
The user inputs condition information such as a password for setting condition information, a possible settlement amount, a possible settlement number, a settlement method, and a billing condition. If the answering machine has proceeded to the process of step S922, it is not necessary to input the password again.
The previously input condition information is included in the condition information update request message.

The condition information input to telephone 802 as described above is transmitted to portable radio terminal 807 as a condition information update request message via a communication line connected to a communication network such as communication network 804 (step 804). S923, step S924). Then, in portable radio terminal 807 that has received the condition information update request message, as described above with reference to FIG.
06, the received condition information update request message is supplied to the control unit 230 through the communication data decoding unit 210.

Control unit 23 of portable radio terminal 807
0, based on the supplied user ID, password, and the like from the telephone 802, authenticates whether or not the condition information update request message is from a user who can update the condition information (step S925). If not, the connected communication line is disconnected, and the process ends (step S926).

In the authentication process of step S925, if the authentication is successful, the control unit 230 of the portable wireless terminal 807 updates the condition information of the EEPROM 234 based on the supplied condition information update request message (step S927). ). Then, the control unit 230 of the portable wireless terminal 807 forms a condition information update response message indicating that the condition information has been updated, and transmits this to the communication data encoding unit 21 as described above with reference to FIG.
9, and transmits to the communication line through the transmission system of the portable wireless terminal such as the transmission modulation part 215 and the transmission IF unit 214 (step S928).

The condition information update response message sent to the telephone line is transmitted to the requesting telephone 802 through a communication line connected to a communication network such as the communication network 804 (step S929). Upon receiving the condition information update response message, the telephone set 802 emits a sound corresponding to the received condition information update response message, or forms a display message corresponding to the condition information update response message, and displays the message on its own display. For example, the update result of the condition information is notified to the user 901 by displaying (Step S930). Then, the communication line is disconnected (step S931).

[0237] Note that step S9 of the portable radio terminal 807 is executed.
Since the condition information update process performed in step 27 does not always succeed due to an error in inputting condition information or the like, the failure is also notified as a condition information update result when the process fails. When the update of the condition information of the portable wireless terminal 807 has failed, the user 901 can update the condition information again.

In the case of the example shown in FIG. 15, in the authentication processing of the portable radio terminal 807 in the step S925, if the authentication is not successful, the step S9 is immediately executed.
Although the communication line was disconnected by the process of 26,
The user 901 may be notified that the authentication has not been performed without disconnecting the communication line in the same manner as the processing from step S928 to step S930.

[Regarding Condition Information Update Request Message and Condition Information Update Response Message] Next, in step S923 shown in FIG. 15, a condition information update request message transmitted from telephone 802 to portable communication terminal 807,
A description will be given of a condition information update response message transmitted from portable wireless terminal 807, which has performed the condition information update processing, to requesting telephone 802 in step S928.

In this embodiment, the condition information update request message from telephone 802 to portable radio terminal 807 is composed of message name Y1, information element type Y2, condition information Y3, and password Y4, as shown in FIG. ing. The message name Y1 is a bit string indicating a condition information update request.

[0241] The information element identification Y2 is a charge (payment).
This is a bit string indicating that the message is related to the message.
The condition information Y3 is specific setting information of the condition information, and is various types of information described above with reference to FIG. As described above, the password Y4 is a password for setting condition information. With the condition information update request message having such a configuration, the condition information of the portable wireless terminal 807 can be updated accurately and accurately even from a remote place.

In this embodiment, the condition information update response message from the portable radio terminal 807 to the telephone 802 includes a message name A1, information element type A2, condition information A3, update result A4, as shown in FIG. Consists of The message name A1 is a bit string meaning a condition information update response.

[0243] The information element identification A2 is a charge (payment).
This is a bit string indicating that the message is related to the message.
The condition information A3 is specific set information of the set condition information, and is the various types of information described above with reference to FIG. The update result A4 is information indicating the update result, and is a bit string indicating success / failure of the update of the condition information.

In the case of failure, whether the update failed because there was condition information that could not be set, a so-called protocol error, the interruption of processing due to a radio failure, or the failure of authentication when notifying the authentication result? Can be specifically shown. By using such a condition information update response message, it is possible to inform the user of the condition information update requester of the condition information update request in an easily understandable manner.

As described above, the portable wireless terminal 80
In the case where an incoming call is received by the answering machine function of No. 7 and a condition information update request is supplied to the portable wireless terminal 807, a condition information update request including a personal identification number, various condition information, and the like is sent to the telephone 802. DT according to key operation
MF (Dual Tone Multi Frequency)
ncy) may be transmitted as a signal and processed by the portable wireless terminal 807.

In the case of an old-type telephone, there is a case in which a condition information update request message cannot be formed and transmitted. The request 901 is controlled, and the user 901 controls the telephone 80.
2, the input information such as the condition information input to the portable wireless terminal 807 may be transmitted as a DTMF signal. In this case, various information such as condition information is input in accordance with an announcement instructing input of information such as condition information provided by a function of a communication network such as a telephone station.

[Regarding Process of Portable Radio Terminal When Setting Condition Information Remotely] Next, the process performed by the mobile radio terminal 807 when setting the condition information remotely described with reference to FIG. About FIG. 1
This will be described with reference to FIGS.

FIG. 18 is a flowchart for explaining an example of the incoming call determination processing in the portable radio terminal in step S913 of the sequence diagram shown in FIG. The control unit 230 of the portable wireless terminal 807 performs a process such as a telephone call while the power is on,
A standby process for waiting for an incoming call of the own device is performed (step S1001), and it is determined whether an incoming call to the own device is periodically detected (step S1002).

In the judgment processing of step S1002,
If it is determined that an incoming call to the own device has not been detected, the processing from step S1001 is repeated. Step S1
In the determination process of 002, when an incoming call to the own device is detected, an automatic incoming call is made based on the information included in the incoming request message supplied to the control unit 230 through the receiving system of the own device described above with reference to FIG. It is determined whether or not to do so (step S1003).

In the judgment processing in step S1003, the telephone number assigned to the calling telephone set included in the incoming call request message is for a predetermined destination or the condition information is updated. It is determined that an automatic incoming call is received when information indicating that the incoming call request is received. For this reason, for example, the telephone 802
Can be included in the incoming request message indicating that it is an incoming request for updating the condition information.

If it is determined in step S1003 that the call is to be automatically received, the control unit 230 of the portable wireless terminal 807 controls
Puts itself in the automatic incoming call receiving mode (step S100
4) In response to the incoming call (step S1005), the processing shown in FIG. 18 ends. Step S1003
If it is determined in step S1006 that the automatic incoming call is not received, the incoming call is ignored or the answering machine function is activated (step S1006), and the process of FIG. 18 ends.

In the process of step S1006, when the incoming call is ignored, the portable radio terminal enters a calling state, and the calling state is maintained until the portable radio terminal 807 is off-hook or the calling source is on-hook. You. If the answering machine function is set to be activated, the answering machine function is activated.

The incoming call judging process shown in FIG.
This is an example, and other embodiments can be adopted. For example, first, when an incoming call is detected, the portable wireless terminal 80
The control unit 230 checks whether the own device is in the automatic incoming call mode, and if it is in the automatic incoming mode, makes the incoming call. When the automatic incoming call mode is not set, the incoming call may be ignored or the incoming call determination process shown in FIG. 18 may be performed.

FIG. 19 is a flowchart for explaining an example of the authentication processing in the portable radio terminal in step S925 of the sequence diagram shown in FIG. This figure 1
9, the authentication process as described above with reference to FIG.
It is determined that the call is automatically received by the incoming call determination and the call is automatically received.
After the communication line is connected and the communication is started, or after the incoming call is received and authenticated by the answering machine function and the communication is started, the portable wireless terminal 80 is activated.
7 is performed.

First, control unit 230 of portable radio terminal 807 waits for a condition information update request message to be transmitted (step S1101). When the condition information update request message is received, control unit 230 includes the condition information update request message. Is set in advance in the SIM card of the portable wireless terminal 807 (set value).
Is determined (step S1102).

In the determination processing of step S1102,
When determining that the password included in the condition information message is equal to the set value, the control unit 230 of the portable wireless terminal 807 determines that the authentication is successful (step S).
1103), the process shown in FIG. 19 ends.

[0257] If it is determined in step S1102 that the password included in the condition information message is not equal to the set value, control unit 230 of portable radio terminal 807 determines that the authentication is unsuccessful.
The connected communication line is disconnected (step S1104), and the process shown in FIG. 19 ends. Note that the processing in step S1104 is the same as that in FIG.
Corresponds to the process of step S926 in the sequence diagram shown in FIG.

When the authentication is obtained by the authentication processing shown in FIG. 19 (when the authentication is successful), as described above with reference to the sequence diagram of FIG.
In step 7, the condition information is updated.
FIG. 20 is a flowchart showing step S9 in the sequence diagram shown in FIG.
27 is a flowchart for describing condition information update processing in the mobile wireless terminal of No. 27.

The process of FIG. 20 is a process executed by control unit 230 of portable radio terminal 807 after authentication based on the password included in the condition information update request message has been obtained, as described above. After the authentication is obtained, the control unit 230 of the portable wireless terminal 807 executes the processing shown in FIG. 20, and first analyzes the update information of the received condition information update request message (step S12).
01).

The control unit 230 of the portable radio terminal 807 checks the contents of the condition information based on the analysis result of step S1201, and determines whether there is any condition information that cannot be set (step S1202). .

In the determination processing of step S1202,
When it is determined that an error has occurred in the condition information included in the condition information update request message, the portable wireless terminal 8
As described above, the control unit 230 of the control unit 07 forms a condition information update response message (for failure notification) notifying that the condition information cannot be updated due to an error in the condition information, and transmits this to the request source. To the telephone 802 (step S1203), and disconnects the communication line connected to the telephone 802 (step S1206).
The processing shown in FIG. 20 ends.

If it is determined in step S1202 that the condition information included in the condition information update request message has no problem, the portable radio terminal 80
The control unit 230 updates the condition information set in its own EEPROM 234 based on the condition information from the telephone 807 (step S1204).

The control unit 230 of the portable wireless terminal 807 forms a condition information update response message (for success notification) notifying that the condition information has been updated, as described above, To the telephone 802 (step S1205), and disconnects the communication line connected to the telephone 802 (step S120).
6), the process shown in FIG. 20 ends.

In this case, as described with reference to FIG. 15, the setting of the condition information of the remote portable radio terminal is changed through the telephone. However, as described above, it is also possible to set or change the condition information of a remote portable wireless terminal through a personal computer that has a communication function and can be connected to a communication network or another portable wireless terminal. it can.

As described above, the portable wireless terminal of the present invention
Setting and changing of condition information can be performed remotely through a communication network. Then, when the mobile communication terminal is lost or stolen, a request is made to the administrator of the payment management apparatus so that payment cannot be performed through the lost or stolen mobile wireless terminal. Before the user himself / herself changes the condition information remotely, it is possible to reliably prevent the portable wireless terminal from being used improperly and making a large payment.

By using such a portable radio terminal, the reliability of the settlement system can be improved, and a settlement management system that can be used with confidence can be constructed.

In the above-described first to third embodiments, the portable radio terminal has a Bluetooth function to realize the short-distance communication function as described above with reference to FIG. The tooth control unit 220 is mounted. However, it is not limited to this. Blue
The tooth control unit, for example, controls the external I / O of the portable wireless terminal.
Through F243, an external device portion may be connected to the portable wireless terminal.

The short-distance communication function includes Blue
The present invention is not limited to the method using the Tooth method, but may use another method. For example, various communication systems such as an optical communication system using light such as infrared light can be used. In addition, the payment requesting apparatus 101 installed in the sales store and the portable wireless terminal 102 may be connected by a wire, for example, by connecting through the external I / F 243. As described above, the payment request apparatus 101 and the portable wireless terminal 102 can be connected using various connection methods.

In the first and second embodiments described above, the instruction input from the user in step S316 shown in FIG. 3 and the instruction input from the user in step S522 shown in FIG. It has been described that information for outputting an output signal as to whether or not to perform is input. But,
It is not limited to this. As an instruction input from the user, an instruction to change a payment condition such as a payment method and a possible number of payments when actually performing payment may be input.

In this case, according to the condition information of the portable radio terminal, the changeable information is indicated in the changeable range, and the change within the changeable range is permitted, so that the user's request can be satisfied. Flexible settlement is possible. For example, by indicating a changeable range, such as the number of possible payments being 1 to 6 times, more flexible payment can be made possible.

Further, in the first to third embodiments described above, a mobile radio terminal normally used as a mobile phone terminal is used as a settlement terminal, but the present invention is not limited to this. For example, PD with communication function
A, the mobile communication terminal according to the present invention is applied to various mobile communication terminals capable of communication by connecting to a mobile phone terminal or an indoor modular jack connected to a telephone communication network, and the settlement system according to the present invention. Can be built.

In addition to the case where the communication network uses not only a telephone network as a communication network but also a communication network connecting a communication line through the Internet or the like, the settlement system, the settlement method, and the portable communication according to the present invention are used. Terminal can be applied.

In the settlement system according to the first embodiment, as described above with reference to FIG. 3, the portable communication terminal performs steps S313 and S31.
7 is provided. However, only one of the confirmation process of step S313 and the confirmation process of step S317 is performed, or the portable wireless terminal performs the confirmation process of step S313 or the confirmation process of step S317. Confirmation processing may not be provided.

Similarly, in the settlement system according to the second embodiment described above, the confirmation processing performed by the portable radio terminal includes the confirmation processing in step S519 and the confirmation processing in step S52.
It is also possible to perform only one of the three confirmation processes, or not to provide a confirmation process in the portable wireless terminal such as the confirmation process of step S519 or the confirmation process of step S523. it can.

However, as described above, the condition information in the portable wireless terminal can be easily settled for the user of the portable wireless terminal by performing the confirmation process based on the instruction input from the user. A payment system can be constructed, and simple and accurate payment can be performed using this system.

[0276] In the settlement system of the second embodiment described above, the charge confirmation in step S514 from the content server 405 does not necessarily have to be performed.
As described above, when the portable wireless terminal 401 transmits the payment request, the authentication processing is always performed in the payment management device 406, and the result is transmitted to the content server 405.

In the first and second embodiments described above, there is a difference between receiving a payment request through short-range communication and receiving a payment request through communication using a telephone function. It is the same that the settlement is performed by transmitting the settlement request from the portable wireless terminal to the settlement management device. Therefore, as described above, the portable wireless terminals used in the first and second embodiments are: The same configuration is used. That is, in the case of the in-store payment and the out-of-store payment, basically, the payment can be performed by one portable wireless terminal.

Further, in the above-described embodiment, in the portable radio terminal, the means for receiving various requests and information and the means for transmitting and transmitting are provided with a Blue which provides a short-distance communication function.
The generation of the request message and the confirmation processing are realized by a function of the control unit 230 as means for performing the determination processing.

[0279] For example, in a settlement management device, etc.
In the case of authenticating the user of the portable wireless terminal, the authentication may be performed using not only the personal identification number (personal identification code) but also information such as a user ID and a telephone number assigned to the portable wireless terminal. Of course it is good.

Further, in the above-described second embodiment, the case where payment is performed for the charge generated when the pay content is downloaded has been described as an example, but the present invention is not limited to this. For example, when purchasing a product or receiving a service through a communication line, payment using a portable wireless terminal is possible.

[0281] Further, between the payment requesting device and the portable radio terminal, between the content server and the portable radio terminal, and further between the portable radio terminal and the payment management device, data is transmitted with high confidentiality. It is of course possible to encrypt the data before transmission. In this case, both may be provided with a data encryption unit and an encryption decoding unit.

In the above embodiment, the condition information has been described as being stored and held in the EEPROM 234. However, it is not limited to this. For example, when the condition information is stored and held in the SIM card 246 and an update process such as setting, changing, or deleting the condition information is performed, the control unit 230 controls the card I / F 244 and the card drive 245 through the card I / F 244. SI
The condition information of the M card can be updated.

[0283]

As described above, according to the present invention, it is possible to construct a payment system which can be easily and easily understood by a user of a portable communication terminal and can easily and accurately make payment. In addition, payment can be smoothly performed through the mobile communication terminal.

[0284] Further, as a protection measure against improper use in the event of loss or theft of a portable communication terminal used as a settlement terminal,
Since the condition information can be set or changed by communication directly or remotely in the mobile communication terminal, and the payment processing can be restricted, the convenience of the user when using the mobile communication terminal as a payment terminal can be improved. And security against unauthorized use can be enhanced.

Further, even when a portable radio terminal is shared by a plurality of persons, by using the condition information, it is possible to prevent a large amount of payment that is not scheduled by an administrator from being performed on the portable communication terminal. .

Further, since the condition information set in the portable radio terminal can flexibly set various information such as a possible settlement amount, a possible settlement number, a settlement method, and settlement conditions,
Flexible payment can be performed according to the payment request and the user's request, and an easy-to-use payment system can be constructed.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an embodiment of a settlement system according to the present invention.

FIG. 2 is a block diagram for explaining an embodiment of a portable communication terminal according to the present invention.

FIG. 3 is a sequence diagram for explaining a flow from billing to settlement performed in one embodiment of the settlement system according to the present invention.

FIG. 4 is a sequence diagram for explaining processing when it is determined that payment cannot be performed based on the condition information set in the mobile communication terminal according to the embodiment of the payment system according to the present invention; is there.

FIG. 5 is a sequence diagram for explaining processing in a case where the user of the mobile communication terminal according to the present invention rejects the payment in one embodiment of the payment system according to the present invention.

FIG. 6 is a diagram for explaining another embodiment of the settlement system according to the present invention.

FIG. 7 is a sequence diagram illustrating a flow of a settlement process performed in another embodiment of the settlement system according to the present invention.

FIG. 8 is a sequence diagram for explaining a process in a case where it is determined in the content server that the settlement is negative in another embodiment of the settlement system according to the present invention.

FIG. 9 is a sequence diagram for explaining processing when it is determined that payment cannot be performed based on condition information set in the mobile communication terminal according to the present invention in another embodiment of the payment system according to the present invention; It is.

FIG. 10 In another embodiment of the settlement system according to the present invention, the user of the portable communication terminal according to the present invention
It is a sequence diagram for explaining the process when it is made to refuse the settlement.

FIG. 11 is a diagram for explaining condition information set in the mobile communication terminal according to the present invention.

FIG. 12 is a sequence diagram for explaining a process when setting condition information directly in the portable communication terminal according to the present invention.

FIG. 13 is a flowchart for explaining processing in the portable communication terminal when setting condition information directly in the portable communication terminal according to the present invention.

FIG. 14 is a diagram for explaining a communication path when setting condition information by remote communication with the portable communication terminal according to the present invention.

FIG. 15 is a sequence diagram for explaining processing when setting condition information by remote communication with the portable communication terminal according to the present invention.

FIG. 16 is a diagram for explaining a condition information update request message.

FIG. 17 is a diagram for explaining a condition information update response message.

FIG. 18 is a diagram illustrating an example of an incoming call determination process performed in the mobile communication terminal when setting condition information by remote communication with the mobile communication terminal according to the present invention.

FIG. 19 is a diagram illustrating an example of an authentication process performed in the mobile communication terminal when setting condition information by remote communication with the mobile communication terminal according to the present invention.

FIG. 20 is a diagram for explaining an example of condition information update processing performed in the portable communication terminal when setting condition information by remote communication with the portable communication terminal according to the present invention.

[Explanation of symbols]

101: payment request device, 102: portable wireless terminal, 103
... Base station, 104 ... Wireless switchboard, 105 ... Communication network, 10
6: settlement management device, 220: Blue Tooth control unit (short-range wireless communication function), 230: control unit,
234: EEPROM, 401: portable wireless terminal, 402
... Base station, 403 ... Wireless switchboard, 404 ... Communication network, 40
5. Content server, 406: Payment management device, 801
… Personal computer (PC), 802 telephone, 803 exchange, 804 communication network, 805 wireless exchange, 806 base station, 807 portable radio terminal (operation target terminal)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) H04M 15/00 H04B 7/26 109H 9A001 // G09C 1/00 660 109S H04L 9/00 673A 675D F term ( (Reference) 5B049 AA01 AA05 BB11 CC05 CC36 DD01 DD05 EE28 GG02 GG06 GG07 GG10 5B089 GA01 GA25 GA34 GB02 HA11 JA08 JA33 JB22 KA03 KA17 KB13 KC58 LB14 5J104 AA07 KA01 NA05 NA35 PA02 5K0 EE01A13A03 DD03 EE16 HH22 HH23 KK15 9A001 BB04 CC05 DZ15 JJ12 JJ27 JJ67 JZ25 KZ62

Claims (52)

[Claims] A payment request transmitting step of transmitting a payment request from a claimant side to a portable communication terminal; and a payment management apparatus for performing a subscriber registration in advance and managing payment related to the subscriber. A payment request transmitting step of transmitting a payment request from the mobile communication terminal that has received the payment request, and a user of the mobile communication terminal that has transmitted the payment request in the payment management device that has received the payment request. A subscriber authentication step of performing authentication as to whether or not the user is a subscriber; a payment execution step of performing payment in the payment management apparatus when authentication is obtained in the subscriber authentication step; A process result transmitting step of transmitting an authentication result in the subscriber authentication step or a settlement result in the settlement execution step to the portable communication terminal. A settlement method using a portable communication terminal. 2. The settlement method using the portable communication terminal according to claim 1, wherein the authentication result or the settlement from the subscriber management device is sent from the portable communication terminal to the claimant side. A settlement method using a mobile communication terminal, comprising a result transmission step to a requester for transmitting a result. 3. A settlement method using a portable communication terminal according to claim 1, wherein condition information indicating a condition for a payment request is set in said portable communication terminal in advance. In the communication terminal, based on the condition information,
The payment request transmitting step includes a reception permission determination step of determining whether the payment request can be received.In the settlement request transmission step, when it is determined that the payment request can be received, A settlement method using a mobile communication terminal, wherein the settlement request is transmitted. 4. A settlement method using the portable communication terminal according to claim 3, wherein, in the acceptability determining step, if the received payment request is determined to be unacceptable,
A settlement method using a portable communication terminal, comprising a settlement impossible information transmitting step of transmitting information indicating that settlement is impossible from the portable communication terminal to the claimant side. 5. A payment method using the mobile communication terminal according to claim 1, wherein the mobile communication terminal notifies a user of the content of the received payment request, and the payment request. And an instruction input receiving step of receiving an instruction input for a payment according to the above. In the payment request transmitting step, the instruction input received in the instruction input receiving step instructs to perform a payment. A settlement method using the mobile communication terminal, wherein the settlement request is transmitted in such a case. 6. A settlement method using the portable communication terminal according to claim 5, wherein the instruction input received in the instruction input receiving step is an instruction not to execute a payment.
A settlement method using a portable communication terminal, comprising a settlement non-execution information transmitting step of transmitting information indicating that settlement is not to be performed from the portable communication terminal to the claimant side. 7. A provision request transmission step of transmitting a content provision request from a portable communication terminal to a server device of a content provider, wherein the server device transmits the content provision request to the portable communication terminal as a content provision request source A payment request transmitting step of transmitting a payment request for a charge generated in providing the content; a payment request receiving step of receiving the payment request from a server device in the mobile communication terminal; Based on condition information indicating a condition for a payment request that is set in advance, a reception acceptability determination step of determining whether the payment request received in the payment request reception step is acceptable, and If it is determined that the payment request can be accepted, the subscriber registration is performed in advance and the A payment request transmitting step of transmitting a payment request from the mobile communication terminal to a payment management device that manages payment related to the payment of the person; and transmitting the payment request to the payment management device that has received the payment request. A subscriber authentication step for performing authentication as to whether or not the user of the portable communication terminal is the subscriber, and performing payment in the payment management apparatus when authentication is obtained in the subscriber authentication step. An execution step, and a processing result transmitting step of transmitting an authentication result in the subscriber authentication step or a payment result in the payment execution step from the payment management apparatus to the server apparatus; Upon receiving a payment result indicating that payment has been performed from the payment management device, the mobile communication of the content providing request source is transmitted from the server device. A content providing step of transmitting content according to a request to the terminal, the payment method using the mobile communication terminal. 8. A provision request transmitting step of transmitting a content provision request from a portable communication terminal to a server device of a content provider, wherein the server device transmits a content provision request to the portable communication terminal as a content provision request source A payment request transmitting step of transmitting a payment request for charging that occurs in providing the content; a payment content notification step of notifying a user of the content of the received payment request at the mobile communication terminal; An instruction input receiving step of receiving an instruction input for payment according to the payment request; and wherein the instruction input received in the instruction input receiving step instructs to perform payment, the mobile communication terminal. A payment request transmitting step of transmitting a payment request to the payment management apparatus; and receiving the payment request. In the settlement management device, when a user of the mobile communication terminal that has transmitted the settlement request authenticates whether or not the user is the subscriber, and authentication is obtained in the subscriber authentication step A settlement execution step of executing settlement in the settlement management apparatus; and transmitting the authentication result in the subscriber authentication step or the settlement result in the settlement execution step to the server apparatus from the settlement management apparatus. A processing result transmitting step, in the server device, when receiving a payment result indicating that payment has been performed from the payment management device, from the server device, to the portable communication terminal of a content providing request source, A content providing step of transmitting content according to a providing request. 9. A settlement method using the portable communication terminal according to claim 7, wherein in the acceptability determining step, if the received payment request is determined to be unacceptable, the settlement is performed. A settlement method using a portable communication terminal, comprising a settlement impossible information transmitting step of transmitting information indicating that the settlement is impossible from the portable communication terminal to the server device. 10. A settlement method using the portable communication terminal according to claim 8, wherein the instruction input received in the instruction input receiving step is an instruction not to perform a payment.
A payment method using a mobile communication terminal, comprising a payment non-execution information transmitting step of transmitting information indicating that payment is not to be performed from the mobile communication terminal to the claimant side. 11. A settlement method using the portable communication terminal according to claim 3 or 7, wherein the condition information set in the portable communication terminal is a settlement possible amount indicating a settlement possible amount. A settlement method using a mobile communication terminal. 12. The settlement method using the portable communication terminal according to claim 3 or 7, wherein the condition information set in the portable communication terminal indicates the number of times that settlement can be performed. A payment method using a mobile communication terminal, wherein the number of payments is possible. 13. A settlement method using the portable communication terminal according to claim 3 or 7, wherein the condition information set in the portable communication terminal is a settlement enabling method indicating a settlement method. A settlement method using a mobile communication terminal. 14. The settlement method using the mobile communication terminal according to claim 3 or 7, wherein the updating of the condition information is performed by a request for updating the condition information input through an operation unit of the mobile communication terminal. A payment method using a mobile communication terminal, wherein the payment method is performed based on: 15. A settlement method using the portable communication terminal according to claim 3 or 7, wherein the condition information is updated by receiving a condition information update request transmitted through a communication line, A settlement method using a portable communication terminal, wherein the settlement method is performed based on the received condition information update request. 16. A settlement method using the mobile communication terminal according to claim 14 or 15, wherein the update request includes at least updated condition information and a password. Payment method using a mobile communication terminal. 17. The settlement method using the portable communication terminal according to claim 16, wherein the personal identification code is exclusively used when the condition information is updated. In the settlement method, the condition information is updated when the personal identification code included in the update request matches the setting information set for itself. 18. A settlement method using the portable communication terminal according to claim 15, wherein when the condition information is updated in response to the update request, a response including information indicating a result of the update. Is transmitted to the transmission source of the update setting request via a communication line. 19. A payment requesting device for issuing a payment request in accordance with billing information from a claimant, a mobile communication terminal for performing payment in response to the payment request from the payment requesting device, and A payment management system for performing payment for the subscriber by performing subscriber registration, the payment requesting device receiving input of billing information from a claimant; Means, and a payment request transmitting means for forming a payment request based on the billing information received through the billing information receiving means and transmitting the payment request to the mobile communication terminal, wherein the mobile communication terminal comprises: Payment request receiving means for receiving the payment request from the client; forming a payment request in response to the payment request received by the payment request receiving means; A payment request transmitting unit that transmits the payment request to the management device; and a result receiving unit that receives an authentication result or a payment result from the payment management device. The payment management device receives the payment request from the mobile communication terminal. Whether the user of the mobile communication terminal that has transmitted the payment request is the subscriber, based on information included in the payment request received by the payment request receiving means; Subscriber authentication means for performing the authentication; payment authentication means for executing, when the authentication is obtained in the subscriber authentication means, payment for the authenticated subscriber; A settlement result transmitting means for transmitting, to the portable communication terminal, an authentication result by the person authenticating means or a settlement result by the settlement executing means. 20. The payment system according to claim 19, wherein said portable communication terminal transmits processing result information for transmitting said authentication result or said payment result from said subscriber management device to said payment requesting device. A settlement system comprising means. 21. The settlement system according to claim 19, wherein the portable communication terminal accepts the payment request based on condition information indicating a condition for the payment request set in a memory of the portable communication terminal. An acceptability determining unit for determining whether or not the payment request can be accepted; and the settlement request transmitting unit transmits the settlement request when the acceptability determining unit determines that the payment request can be accepted. Settlement system characterized by performing. 22. The settlement system according to claim 21, wherein said portable communication terminal determines that said payment request received by said payment request receiving means cannot be accepted by said acceptance possibility determination means. A settlement impossible information transmitting means for transmitting, to the claimant side, information indicating that settlement is not possible when the settlement is made. 23. The payment system according to claim 19, wherein said portable communication terminal is a payment content notifying means for notifying a user of the content of said payment request received by said payment request receiving means, Instruction input receiving means for receiving an instruction input for payment according to a payment request, wherein the payment request transmitting means instructs that the instruction input received by the instruction input receiving means make a payment. A payment system, wherein a payment request is transmitted in some cases. 24. The settlement system according to claim 23, wherein the portable communication terminal is configured to execute the operation when the instruction input received by the instruction input receiving unit indicates that payment is not performed. A payment non-executing information transmitting unit that transmits information indicating that payment is not performed to the claimant side. 25. The payment system according to claim 19, wherein the payment request device and the mobile communication terminal are connected via a short-distance communication line, and the mobile communication terminal and the payment management device are connected by a telephone. A settlement system characterized by being connected through a communication line. 26. A server device for providing a content, and a portable communication terminal capable of receiving the provision of the content from the server device, wherein payment for a charge generated in receiving the provision of the content is performed. A payment system comprising: a mobile communication terminal; and a payment management device that pre-registers a subscriber and manages payment relating to payment for the subscriber. Provision request transmission means for transmitting a provision request of the above, payment request reception means for receiving the payment request for charging generated in providing the content transmitted from the server device, The payment received by the payment request receiving means based on condition information indicating conditions for the payment request A reception permission / non-permission determining unit that determines whether the request can be received; and, if the reception permission / non-permission determination unit determines that the payment request can be received, the payment request is transmitted to the payment management apparatus. A settlement request transmission unit for transmitting, the server device being provided in response to a content request received by the provision request reception unit for receiving a content provision request from the mobile communication terminal; Payment request transmitting means for transmitting a payment request for charging generated in providing the content to the mobile communication terminal of the requesting provider, and receiving a processing result notification for receiving a notification of an authentication result or a payment result from the payment management device. Means, and the information received by the processing result notification receiving means indicates that the payment according to the payment request has been executed. And a content transmitting unit that transmits the requested content to the requesting mobile communication terminal, wherein the payment management device receives a payment supply transmitted from the mobile communication terminal. Subscriber authentication means for authenticating whether or not the user of the mobile communication terminal that has transmitted the payment request is the subscriber, based on the information included in the payment request; Payment means for executing a payment in response to the payment request when authentication is obtained by the means, and transmission of a processing result for transmitting an authentication result by the subscriber authentication means or a payment result by the payment execution means to the server device A settlement system comprising: 27. A server device for providing content, and a portable communication terminal capable of receiving content from the server device, wherein payment is made for a charge generated when receiving the content. A payment system comprising: a mobile communication terminal; and a payment management device that pre-registers a subscriber and manages payment relating to payment for the subscriber. Request transmitting means for transmitting a request for providing the information, payment request receiving means for receiving the payment request for charging generated in providing the content transmitted from the server device, and receiving the payment request Payment content notification means for notifying a user of the content of the payment request, and the payment request receiving means Instruction input receiving means for receiving an instruction input as to whether or not to make a payment in response to the received payment request, and the instruction input received by the instruction input receiving means instructs to make a payment. A settlement request transmitting unit that transmits a settlement request to the settlement management device, wherein the server device includes: a provision request receiving unit that receives a content provision request from the mobile communication terminal; and the provision request receiving unit. In response to the received content providing request, a payment request transmitting unit that transmits a payment request for charging that occurs in providing the requested content to the mobile communication terminal of the providing request source, and an authentication result from the payment management device or Processing result notification receiving means for receiving a notification of the settlement result; and information received by the processing result notification receiving means, And a content transmitting unit that transmits the requested content to the requesting mobile communication terminal when the payment has been executed in response to the payment request. Payment request receiving means for receiving a payment supply transmitted from the terminal; and, based on information included in the payment request, whether or not the user of the mobile communication terminal that has transmitted the payment request is the subscriber. Subscriber authentication means for performing authentication of the user, settlement execution means for executing settlement in response to the settlement request when authentication is performed by the subscriber authentication means, authentication result by the subscriber authentication means or execution of the settlement A settlement result transmitting means for transmitting a settlement result by the means to the server device. 28. The settlement system according to claim 26, wherein the portable communication terminal, when the reception acceptability determination unit determines that the received payment request is not acceptable,
A settlement system comprising a settlement impossible information transmitting unit for transmitting information indicating that settlement is impossible to the server device. 29. The settlement system according to claim 27, wherein the portable communication terminal is configured to execute the instruction input received by the instruction input receiving unit, when the instruction input indicates not to perform a payment. A settlement non-executing information transmitting unit that transmits information indicating that settlement is not performed to the claimant side. 30. The settlement system according to claim 21 or 26, wherein the condition information set in the memory of the portable communication terminal is a settable amount indicating a settable amount. Payment system characterized by the following. 31. The settlement system according to claim 21, wherein the condition information set in the memory of the mobile communication terminal is a settable number of times indicating a settable number of possible settlements. Settlement system characterized by the following. 32. The payment system according to claim 21 or 26, wherein the condition information set in the memory of the mobile communication terminal is a payment enabling method indicating a payment method. Payment system. 33. The settlement system according to claim 21, wherein said portable communication terminal receives an input of a request for updating condition information in order to update said condition information. And a condition information updating unit configured to update the condition information set in the memory based on the update request received through the update request receiving unit. 34. The settlement method according to claim 21, wherein the portable communication terminal receives a request for updating condition information transmitted through a communication line connected to the portable communication terminal. And a condition information updating unit configured to update the condition information in the memory based on the update request received by the update request receiving unit. . 35. The payment system according to claim 33, wherein the update request includes at least updated condition information and a personal identification code. 36. The settlement system according to claim 35, wherein the personal identification code is used exclusively for updating the condition information, and the portable communication terminal uses the personal identification code. A payment system comprising an update authentication unit for performing authentication. 37. The settlement system according to claim 34, wherein when the portable communication terminal updates the condition information in response to the update request, a response including information indicating a result of the update. Settlement response means for sending back to the source of the condition information update request via a communication line. 38. A payment request corresponding to a payment request transmitted from a claimant side is transmitted to a payment management device which manages payment related to payment for the subscriber after the subscriber registration is performed. A payment request receiving means for receiving the payment request transmitted from the claimant side, and a payment request set in a memory of the portable communication terminal. Based on condition information indicating a condition, an acceptability determining unit that determines whether the payment request received by the payment request receiving unit is acceptable, and the acceptability determining unit can accept the payment request. A portable communication terminal comprising: a settlement request transmitting unit that transmits a settlement request to the settlement management device when it is determined that there is a settlement request. 39. The portable communication terminal according to claim 38, wherein when the payment request received by the payment request receiving means is determined to be unacceptable by the reception possibility determination means, A portable communication terminal comprising: a settlement impossible information transmitting unit that transmits information indicating that settlement is impossible to the claimant side. 40. A payment request corresponding to the payment request transmitted from the claimant side is transmitted to a payment management device which has been previously registered as a subscriber and manages payment relating to payment for the subscriber. A payment request receiving means for receiving the payment request transmitted from the claimant side; and a payment request receiving means for receiving the payment request received by the payment request receiving means. Payment content notifying means for notifying a user of the contents, instruction input receiving means for receiving an instruction input as to whether or not to make a payment in response to the payment request received by the payment request receiving means, and the instruction input receiving means Payment request transmitting means for transmitting a payment request to the payment management device when the instruction input received by the instruction is to instruct to perform payment. A mobile communication terminal characterized by the following. 41. The portable communication terminal according to claim 40, wherein the payment is not performed when the instruction input received by the instruction input receiving means indicates that payment is not performed. A portable non-executable information transmitting means for transmitting information indicating the fact to the claimant side. 42. The portable communication terminal according to claim 38, 39, 40 or 41, further comprising: a result receiving means for receiving an authentication result or a payment result from said payment management device. A mobile communication terminal characterized by the above-mentioned. 43. The portable communication terminal according to claim 42, further comprising a result transmitting means for transmitting the authentication result or the settlement result received by the result receiving means to the claimant side. Mobile communication terminal. 44. The portable communication terminal according to claim 38 or 40, comprising: short-distance communication means for performing short-distance communication; and long-distance communication means such as a telephone function capable of long-distance communication. A settlement system connected to the claimant via the short-distance communication line by the short-distance communication means, and connected to the settlement management device through a long-distance communication line by the long-distance communication means. 45. The portable communication terminal according to claim 38, wherein the condition information set in the memory is a settable amount indicating a settable amount. 46. The portable communication terminal according to claim 38, wherein said condition information set in said memory is a settable number of times indicating a settable number of times of settlement. Communication terminal. 47. The portable communication terminal according to claim 38, wherein said condition information set in said memory is a settlement possible method indicating a settlement method. 48. The portable communication terminal according to claim 38, wherein said update request receiving unit receives an input of said condition information update request to update said condition information, and A settlement information updating unit configured to update the condition information in the memory based on the received update request. 49. The portable communication terminal according to claim 38, wherein the update request receiving means receives a request for updating condition information transmitted through a communication line connected to the terminal. A portable communication terminal comprising: condition information setting updating means for updating the condition information in the memory based on the update request received by the request receiving means. 50. The portable communication terminal according to claim 48, wherein the update request includes at least updated condition information and a personal identification code. . 51. The mobile communication terminal according to claim 50, wherein said personal identification code is exclusively used when said condition information is updated, and said personal identification code is updated using said personal identification code. A mobile communication terminal comprising an authentication unit. 52. The mobile communication terminal according to claim 49, wherein when the condition information is updated in response to the update request, a response including information indicating a result of the update is sent to the constant update request. A mobile communication terminal, comprising: an update response transmission unit that returns a response to the transmission source via a communication line.