Portable terminal and POS teminal
A portable terminal and terminal technology, applied in point-of-sale network systems, payment system structures, electronic digital data processing, etc., can solve the problems of not being able to entrust friends to purchase goods, electronic checkout, etc.
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Embodiment 1
[0046] figure 1 It is a configuration diagram showing the electronic payment system of the first embodiment of the present invention. in addition, figure 2 is a configuration diagram showing a representative portable terminal of the first embodiment of the present invention, image 3 is a structural diagram of a portable terminal representing a member of the first embodiment of the present invention, Figure 4 It is a block diagram showing the POS terminal of the first embodiment of the present invention.
[0047] In the figure, 1a-1d are portable terminals such as portable telephones (hereinafter referred to as member portable terminals) used by group members who pay by sharing the cost, and 2 are portable terminals used by group representatives who pay by sharing the cost. Portable terminals such as telephones (hereinafter referred to as representative portable terminals), 3 are POS terminals installed in stores, and 4a-4d are servers of financial institutions (hereinaft...
Embodiment 2
[0072] In the above-mentioned embodiment 1, the situation of paying by sharing the cost is described, that is, the situation of the group representative and the member paying the fee together is described, but when a member makes a purchase, the representative can also entrust the electronic payment instead of the member. checkout.
[0073] Specifically, when a member who owns the member's portable terminal 1a wishes to purchase a certain product, for example, when a representative who owns the representative's portable terminal 2 goes to a distant store to do business, the member operates the input unit 25 of the member's portable terminal 1a to The settlement data recording the purchase price of the commodity is provided to the portable terminal 2 of the representative.
[0074] Then, when the representative purchases the product in the store, the checkout data provided by the member's portable terminal 1a is sent to the POS terminal 3 of the store, and the process of electr...
Embodiment 3
[0077] In the above-mentioned Embodiment 1, it has been described that POS terminal 3 sends encrypted request data to the financial institution servers 4a-4d of members' transaction accounts, but it is also possible to collect the request data of the number of payers by POS terminal 3 as shown in FIG. Send to the server of the cooperative financial institution of the store (hereinafter referred to as the cooperative financial institution server) 5, and make the cooperative financial institution server 5 act as an agent for the electronic settlement of the financial institution servers 4a-4d of the transaction account.
[0078] And, the request data transmitted by the POS terminal 3 is encrypted and transmitted by the shared key of the cooperative financial institution.
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