Payment system using a television screen, television equipment and program

Abstract

To provide a new payment system that uses a television screen and a payment system that can be linked with online banking functions.SOLUTION: A television device, a television station server, and a financial institution server are connected via the Internet. The television device transmits instruction information for the financial institution server and ID of the television device to the television station server in response to a viewer pressing a predetermined button for a remote-control operation, and displays, by screen division, a television program screen displaying television programs provided by the television station server and a service screen provided by the financial institution server in accordance with the instruction information. The television station server detects product information related to a program being broadcast according to a timing when the predetermined button is pressed, and transmits the product information along with the instruction information to the financial institution server. The financial institution server transmits information on payment means for purchasing a product to the television device based on the product information.SELECTED DRAWING: Figure 2

Description

[Technical Field]

[0001] The present invention relates to a payment system and the like that use a television screen. [Background Art]

[0002] In recent years, various services have been replaced by Internet-based network services. Shopping, financial transactions, searching for and acquiring various types of information, as well as various administrative services such as vaccine inoculation reservations and benefit application procedures are no exception. However, many digitally vulnerable people, mainly the elderly, cannot use digital devices such as smartphones and personal computers (PCs). Furthermore, it is extremely difficult for digitally vulnerable people to learn how to use complex digital devices at this stage, so television, which is typically found in at least one unit per household, is often the main means for such people to obtain information.

[0003] Accordingly, systems have been known for utilizing television not only for viewing but also as a tool that enables purchases of goods and services. For example, Patent Document 1 discloses a shopping on-demand system capable of efficiently selling goods and services to viewers through television. This system includes: a television device installed in a viewer's home or the like; a reading device for reading an electronic money medium connected to the television device; a server group that distributes information programs related to goods and services to the television device via a network; and an electronic money payment system that performs settlement for the electronic money medium. An information program related to a good or service is distributed from the server group to the television device, and when purchasing the good or service based on the information program, the viewer's electronic money medium is read by the reading device, and settlement is performed by the electronic money payment system based on the read information. [Prior Art Documents] [Patent Documents]

[0004] [Patent Document 1] Japanese Patent Publication No. 2008-305069 [Overview of the project] [Problems that the invention aims to solve]

[0005] The system described in Patent Document 1 above connects a television device and an electronic money media reader to enable television shopping. However, even with such a system, digitally disadvantaged individuals unfamiliar with electronic money and media readers cannot easily use it. In other words, there is a lack of convenient tools for making payments such as bank transfers and credit card payments, and checking account balances. While many recent televisions have internet connectivity, it is inconvenient that payments cannot be made directly from the television screen. Therefore, currently, payments made through television, such as television shopping, require individual selection of bank transfers, credit card payments, or loan payments. In particular, digitally disadvantaged individuals who cannot use PCs or smartphones have had to go to ATMs or branches to check their balances or make transfers. Furthermore, the purchase and payment of products related to the information broadcast on television are completely separate processes, and there is no function to transfer product information to a payment screen for bank transfers or credit card payments.

[0006] Therefore, in view of the above-mentioned problems, the present invention aims to provide a new payment system that can be linked with a television screen for payment functions and with online banking functions. [Means for solving the problem]

[0007] To solve the above problems, the present invention provides the following solutions.

[0008] (1) A payment system using a television screen, wherein a television device, a television station server, and a financial institution server are connected via the Internet, and the television device is An instruction transmission means that, in response to a viewer pressing a predetermined button on their remote control, transmits instruction information and the ID of the television device to the television station server. The television system includes a display control means that, in accordance with the instruction information, displays a television program screen that displays a television program provided by the television station server and a service screen that displays a service screen provided by the financial institution server, with the television station server comprising a product information detection means that detects product information related to the program being broadcast in accordance with the timing when the predetermined button is pressed, and an instruction relay means that transmits the product information along with the instruction information to the financial institution server, and the financial institution server comprises a response transmission means that transmits information on the payment means for product purchase to the television device based on the instruction information and the product information. The service screen includes information on the payment method for purchasing the product, and enables automatic login to access the financial institution server by requesting authorization from another terminal paired with the television device. . (2) A payment system using a television screen, wherein a television device, a television station server, and a financial institution server are connected via the Internet, and the television device is An instruction transmission means that, in response to a viewer pressing a predetermined button on their remote control, transmits instruction information and the ID of the television device to the television station server. The television system includes a display control means that splits the screen to display a television program screen that displays a television program provided by the television station server and a service screen provided by the financial institution server, in accordance with the instruction information. The television station server includes a product information detection means that detects product information related to the program being broadcast in accordance with the timing when the predetermined button is pressed, and an instruction relay means that transmits the product information to the financial institution server along with the instruction information. The financial institution server includes a response transmission means that transmits information on the payment method for purchasing a product to the television device based on the instruction information and the product information. The service screen includes information on the payment method for purchasing a product. The television device includes an input means that verbally inputs a password to a smart speaker instead of entering an authentication password, and a SIM card insertion means for a smartphone. The television device directly receives a one-time password at the time of payment, and the payment is completed by having the smart speaker input the one-time password.

[0009] ( 3 ) A payment system using a television screen, wherein a television device, a television station server, and a financial institution server are connected via the internet, and the television device is An instruction transmission means that, in response to a viewer pressing a predetermined button on their remote control, transmits instruction information and the ID of the television device to the television station server. The television system includes a display control means that, in accordance with the instruction information, displays a television program screen that displays a television program provided by the television station server and a service screen that displays a service screen provided by the financial institution server, with the television station server comprising a product information detection means that detects product information related to the program being broadcast in accordance with the timing when the predetermined button is pressed, and an instruction relay means that transmits the product information along with the instruction information to the financial institution server, the financial institution server comprising a response transmission means that transmits information on the payment method for purchasing the product to the television device based on the instruction information and the product information, the service screen includes information on the payment method for purchasing the product, and the television device has means for linking the ID of the television device with the ID of the viewer, thereby reducing the effort required to log in to access the financial institution server. .

[0010] ( 4 )the above (1)、 (2) or (3) In this configuration, the television equipment includes an initial setup means for accepting registration with a financial institution group. The television device displays, The aforementioned The financial institutions that viewers contract with The transaction screen includes transaction information from the credit card company of the aforementioned financial institution group. ru.

[0013] ( 5 )the above( 4 In the configuration of the system, the initial setup means includes means for linking the ID of the television device with the ID of the viewer, thereby streamlining the login process for accessing the financial institution server. ru.

[0014] ( 6 )the above (2) or In the configuration of (3), according to an approval request to another terminal paired with the television device , for access to the aforementioned financial institution server enabling automatic login ru.

[0015] ( 7 ) A television device connected to a television station server and a financial institution server via the Internet, comprising: initial setting means for accepting an application from a customer and setting initial registration for a financial institution group with which the customer has a contract; instruction transmitting means for transmitting, to the television station server, instruction information for the financial institution server together with an ID of the television device in response to pressing of a predetermined button in a viewer's remote control operation; authentication means for performing authentication with the financial institution server; response receiving means for receiving a response from the financial institution server to the instruction information; and display control means for splitting the screen into and displaying a television program screen that displays a television program provided by the television station server and a service screen provided by the financial institution server in accordance with the instruction information The authentication means enables automatic login for access to the financial institution server by requesting authorization from another terminal paired with the television device. .

[0016] ( 8 ) A program installed in a television device connected to a television station server and a financial institution server via the Internet ru , wherein the program causes the television device to function as each means described in the above ( 7 ) 。 [Advantageous Effects of Invention]

[0017] According to the present invention, it is possible to provide a new payment system that can be interlocked with a payment function using a television screen and an online banking function. [Brief Description of Drawings]

[0018] [Figure 1] It is a diagram showing the basic concept of television payment and television banking according to an embodiment of the present invention. [Figure 2] It is a diagram showing the functional configuration of a payment system according to an embodiment of the present invention. [Figure 3] This figure shows the processing flow of a payment system according to an embodiment of the present invention. [Figure 4] This diagram shows the screen transitions (part 1) of the payment system. [Figure 5] This is a diagram showing the screen transitions (part 2) of the payment system. [Figure 6] This figure shows an example of a service screen that utilizes broadcasts from a financial institution group channel of a payment system. [Modes for carrying out the invention]

[0019] <Overview> In this invention, a television station (TV station) and a financial institution (payment institution), primarily a bank, work together to allow users to access a dedicated payment screen provided by the bank via remote control operation (e.g., pressing the 'd' button + the green button) on the television screen. This payment screen enables shopping (bank transfer, card payment) linked to the television program (TV payment function). In addition, banking services such as balance inquiries, transfer processing, and card usage status inquiries can be performed on the television screen independently of the television program (TV banking function). Furthermore, product sales information is shared from the TV station to the bank, and a product screen is displayed based on this information. If a user wishes to purchase a product, they are redirected to the payment screen. If a user does not intend to purchase a product and simply wants to make an inquiry or transfer, the system provides functionality equivalent to existing online banking functions.

[0020] Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as "embodiments") will be described in detail with reference to the attached drawings. In the following figures, the same elements are denoted by the same numbers or reference numerals throughout the description of the embodiments. In addition, in the functional configuration diagrams, the arrows between functional blocks represent the direction of data flow or processing flow.

[0021] Figure 1 illustrates the above overview. Video and audio signals are distributed from the TV station to television equipment (TVs) with internet connectivity installed in each home (Step 1). Now, customer A, a viewer, presses the 'd' button on the TV remote control and then presses a designated button (for example, the "green button") to select the "S〇BC channel" on the displayed data broadcast (Step 2-1). The TV then transmits to the TV station that "customer A pressed the green button" (Step 2-2). The TV station transmits product information corresponding to the program being broadcast and the timing of the button press to the bank registered by customer A via the internet (Step 2-3). Upon receiving this information, the bank generates a login screen for its dedicated service and displays it on the TV (Step 2-4).

[0022] Once login is complete, the TV will display a screen (not shown) allowing the user to choose between shopping or banking. If customer A selects shopping, products related to the TV program will be displayed on the TV screen. On this screen, the user can choose to purchase the product via bank transfer or credit card payment. Credit card payments may be limited to credit cards issued by a card company that is part of the bank's group.

[0023] Furthermore, if customer A selects a bank transaction, the internet banking service screen of the bank registered by customer A will be displayed. However, this service screen allows not only balance inquiries and transfers, but also credit card usage inquiries, etc. In this way, the television can be used as a tool that links shopping and payment functions, and also allows users to view bank account balances and credit card usage statements.

[0024] <System Functional Configuration> Figure 2 shows the functional configuration of a payment system (hereinafter referred to as "this system") according to an embodiment of the present invention. This system connects a television device 10 installed in a home, a television station server 20, and a financial institution server 30 via the internet. Each functional element will be described in order below.

[0025] (Television device 10) The television device 10 (hereinafter sometimes simply referred to as television or TV) includes an initial setting means 11, a digital broadcast receiving means 12, a remote control operation receiving means 13, an instruction transmission means 14, an authentication request means 15, a response receiving means 16, a display control means 17, and a display means 18.

[0026] The initial setup method 11 has the function of setting up initial registration based on an application from the customer to the corporate group of banks with which the customer has a contract (hereinafter referred to as the financial institution group). In other words, it accepts the service application from the customer and the bank performs the initial registration work. To prevent digitally illiterate individuals from having to perform the initial setup themselves, applications can be made at bank branches or online, as well as when purchasing a television at an electronics retailer, if requested by the customer. In that case, if the customer presents their credit card, registration is possible simply by doing so, without the need to fill out a complicated application form. This registration also makes it possible to obtain transaction information from the credit card company. Furthermore, a USB containing the registration information is mailed to the customer by registered mail, and setup is possible simply by connecting the USB to the television. The initial setup information includes the customer ID at the financial institution and financial institution group to which the customer is registered, as well as the device ID of the television device 10 that will use the service.

[0027] The digital broadcasting receiving means 12 has the function of receiving digital broadcasts (video signals, audio signals for TV programs, and data broadcasts) via television radio waves from a television station or via cable connection.

[0028] The remote control operation receiving means 13 has the function of receiving operations from a remote control device 13A (remote control) connected to the television by wireless communication such as infrared. The remote control is equipped with a d button used for data broadcasting that distributes information linked to the currently airing program, as well as weather forecasts and traffic information, and four color buttons in blue, red, green, and yellow. The color buttons are intended for use when participating in interactive programs on BS and terrestrial digital broadcasting, and depending on the manufacturer, these buttons are assigned functions such as program reservation, viewing the program guide (EPG), viewing and deleting recorded programs, and other functions.

[0029] The instruction transmission means 14 has the function of transmitting instruction information to the financial institution server 30 via the television station server, along with the television ID, in response to the viewer pressing a predetermined button on the remote control. The instruction information includes the television equipment ID, the channel being viewed ID, the financial institution server 30 ID, the customer ID, and the request ID (instruction number) to the financial institution server 30.

[0030] The authentication request means 15 makes an authentication request to access the financial institution server. If the authentication means is a login ID and password, it also has a function to streamline the login request. For example, if a smart speaker is connected to the TV, instead of entering the password on the login screen, it is provided with an input means to verbally enter the password into the smart speaker. This is because the TV remote control is inconvenient for text input. The voice input function (microphone) of the smart speaker may be realized by a microphone attached to the remote control that enables voice input to the TV. Further uses of smart speakers will be described later.

[0031] Furthermore, by linking the TV's device ID (MAC address, etc.) with the user's login ID during initial setup, login can be streamlined. Additionally, if the user has access to a smartphone, automatic login is possible via an authorization request (using biometric authentication such as facial recognition or fingerprint recognition) to another device (smartphone, tablet, etc.) pre-paired with the TV. As a further security measure, to protect against theft of the TV's B-CAS card, the initial setup could include a mechanism to link the TV's device ID with the B-CAS card number, preventing the use of the "S〇BC Channel" (a channel name when the financial institution group is, for example, "S〇BC," and generally referred to as the "Financial Institution Group Channel") with different combinations.

[0032] The response receiving means 16 receives a response from the TV side to the financial institution server 30 regarding instruction information (instruction content). For example, if the instruction information is an inquiry about the balance of an account held by the user, it is possible to display the balances of not only the bank account but also all accounts held by the financial institution group. If the instruction information is for a product purchase, it displays information on the payment method for the product purchase. Furthermore, if the instruction information is for obtaining the usage details of a credit card held by the user, it is possible to display the usage details of all credit cards held by the user within the financial institution group.

[0033] The display control means 17 has the function of splitting the screen to display a television program screen that displays television programs provided by the television station server 20 and a service screen provided by the financial institution. The television programs may be not only general television broadcast programs, but also programs on dedicated channels (for example, related to financial products) provided by the financial institution group. The display destination may be a display means 18 (LCD screen, etc.) within the TV, or, if necessary, an external display device 18A such as a smartphone or tablet terminal.

[0034] (TV station server 20) The television station server 20 includes a digital broadcast distribution means 21, a product information detection means 22, and an instruction relay means 23.

[0035] The digital broadcasting distribution means 21 has the function of compressing and digitizing video and audio signals for distribution.

[0036] The product information detection means 22 has the function of detecting products related to a television program being broadcast (hereinafter, "products" include services unless otherwise specified). Television programs are sent to the transmission station according to the broadcast schedule, and it is possible to detect information on related products from the scheduled program information. Product information can be detected by searching a program broadcast database that records program summary data, cast data, products introduced in the program, and related product data, along with the broadcast date and time. For example, in the case of a television shopping program, it can detect sales information of products introduced in the program; in the case of a drama program, it can detect product information of the costumes worn by the actors and related works they have appeared in; in the case of a baseball program, it can detect product information of related goods; and in the case of a travel program, it can detect product information of travel plans, etc.

[0037] The instruction relay means 23 has the function of relaying instruction information transmitted from the television device 10 and transmitting it to the financial institution server 30. The instruction information includes the device ID of the television device 10, the customer ID, the ID of the recipient financial institution server 30, which are stored in the initial setup means 11, as well as instructions to the financial institution server 30 (instruction ID), and product information related to the program detected by the television station server 20.

[0038] (Financial institution server 30) The financial institution server 30 includes an instruction receiving means 31, an authentication means 32, and a response transmission means 33.

[0039] The instruction receiving means 31 has the function of receiving instruction information from the television device 10 via the television station server 20.

[0040] The authentication means 32 has an authentication function (login function) that allows the television device 10 to access the financial institution server 30. This login requires a login ID and password, as well as a one-time password in some cases, such as during payment.

[0041] The response transmission means 33 has the function of transmitting a response to instruction information from the television device 10. The response to instruction information may not only relate to the television program being watched, but may also display the transaction screen of the financial institution group to which the viewer has a contract, regardless of the television program being watched.

[0042] The functional configuration of this system described above is merely an example, and a single functional block (database and functional processing unit) may be divided, or multiple functional blocks may be combined into a single functional block. The processing means for each function is realized by a computer program executed by the CPU (Central Processing Unit) built into the device, which reads a computer program stored in a storage device such as ROM (Read Only Memory), flash memory, SSD (Solid State Drive), or hard disk. In other words, this computer program reads and writes necessary data such as tables from the database (DB) stored in the storage device or from memory storage areas, and, if necessary, controls related hardware (e.g., input / output devices, display devices, communication interface devices) to make the computer function as each functional means. Furthermore, the database (DB) in the embodiments of the present invention may be a commercial database, but it also means a mere collection of tables and files, and the internal structure of the database itself is not specified.

[0043] <Processing Flow> Figure 3 is a diagram showing the processing flow of a payment system according to an embodiment of the present invention. In this processing flow diagram (flowchart), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired. Note that the reference numerals used in Figure 2 will be omitted hereafter.

[0044] First, in step S21, the TV station server distributes the TV broadcast, and in step S11, the television receives the distributed TV broadcast and allows viewers to view the video and audio.

[0045] Next, in step S12, when the television receives a predetermined button press from the television remote control during a TV broadcast, it transmits instruction information (including the television's device ID and instruction ID) corresponding to that button to the TV station server. In step S22, the TV station server relays this instruction information and transmits it to the financial institution server. At this time, if there is any product information related to the program being broadcast, that product information is also transmitted. Even when watching a recorded program rather than a live broadcast, product information related to that program can be transmitted from past program information. Furthermore, even if there is no product information available, if the program is on a financial institution group channel, it is possible to access the financial institution server from a recording of that program.

[0046] Next, when the financial institution server receives instruction information in step S31, it moves to step S32, where if the instruction is for login, it generates a login screen; otherwise, it processes the corresponding service, then moves to step S33, and sends a response to the television. At this time, the response is sent to the television equipment ID. When the television receives the response in step S13, it displays its contents. In some cases, it may also play audio.

[0047] <Screen transition diagram> Figures 4 and 5 illustrate the screen transitions displayed on the television in this system. First, in Figure 4, during the application and setup stage (1), the bank receives a service application from the customer and performs the initial registration work. However, applications can be accepted not only at bank branches or online, but also when purchasing a television at an electronics retailer, if the customer wishes. In that case, if the customer presents their credit card, they only need to submit a cumbersome application form, and registration for services provided by the group company is possible. Alternatively, a USB containing the registration information can be mailed to the customer by registered mail, and setup can be completed simply by connecting the USB to the television.

[0048] (2) In the initial stage of use, while watching a TV program, press the d button on the remote control to split the TV screen and display the data broadcasting screen 101. From the data broadcasting screen 101, press the green button and select "S〇BC Channel" to display the login screen 102 to the financial institution server (referred to here as TV banking). On the login screen 102, enter the authentication password (PW) to complete the login. At this time, the login ID may be displayed automatically by default. The password may also be entered by voice. It is even better if the smart speaker has a voiceprint authentication function.

[0049] Next, moving to Figure 5, a selection screen 103 is displayed on the S〇BC Group channel, allowing the user to choose between shopping or banking. Pressing the TV shopping button displays products corresponding to the TV program being watched. In the example of the shopping screen 104 shown in the figure, TV shopping products, such as the costumes worn by actors in a drama, are displayed, but other options, such as travel plans from travel programs, are also available. The shopping screen 104 also allows the user to select a payment method (bank transfer or credit card payment) for purchasing the product. Selecting a payment method transitions to the payment screen 105. This example shows the payment screen for bank transfer, where product images, product names, and detailed product information can also be displayed. The PIN is the same as the PIN used for online banking transactions.

[0050] When the purchase button is pressed on the transfer screen (105), it is desirable to further enhance authentication by prompting the user to enter a one-time password. Ideally, the one-time password should be notified via voice message to a pre-registered home phone or mobile phone. Of course, if the mobile phone is a smartphone, the one-time password could be sent via text message.

[0051] If the customer selects "banking transaction" on selection screen 103, the service screen 106 provided by S〇BC Channel will be displayed. Here, "banking transaction" includes not only services provided solely by the bank, but also services provided by financial institution group companies (credit card companies, securities companies, insurance companies, etc.) that are primarily banks. In the example of service screen 106, balance inquiry, transfer, and card usage inquiry are selectable, and in the example of transfer screen 107, only the transfer screen is displayed, but it is not limited to these. Here, depending on the content of the transaction, the internet banking of the bank itself or the online transaction of the relevant service provider will be executed. Using such a television screen to link online shopping functions and their payment functions, and furthermore, the online transaction functions of the entire financial institution group that go beyond the scope of normal online banking functions will be specifically called "television banking."

[0052] This TV banking service allows users to shop and make payments while watching television programs. In other words, it displays products related to the program being watched in real time, enabling viewers to shop and potentially boost sales. Furthermore, users can view product information on one half of the screen while watching the TV program on the other, allowing for instant purchases. In addition, various online transactions offered by the financial institution group are also available, regardless of television viewing.

[0053] Additionally, as an optional feature, it supports smart speakers, allowing payments to be completed simply by talking to the smart speaker, and enabling visually impaired users to complete payments via voice guidance and conversation. Furthermore, as mentioned earlier, one-time passwords can be used to enhance authentication during payment. During payment, a 4-digit or 6-digit number received on a home or mobile phone is entered to activate the one-time password.

[0054] Furthermore, if the TV is equipped with a means for inserting a SIM (Subscriber Identity Module) card and can accept a smartphone SIM card, it will be possible for the TV to directly receive a one-time password and complete the transaction. In addition, a TV with a SIM card installed will have its own phone number, allowing users to make and receive calls using a smart speaker via the TV.

[0055] Furthermore, as shown in screen 106 of Figure 5, TV banking goes beyond the scope of typical online banking functions, including balance inquiries, transfers, and card usage status inquiries. It allows users to access not only bank account information but also credit card usage information and services from other financial institutions without having to use multiple apps. Transfers to pre-registered recipients and those with whom transfers have been made in the past are also possible. Moreover, users can view television programs on one half of the screen while operating on the other. Therefore, there is no need to use multiple apps; shopping and payment operations can be easily performed using only the TV screen.

[0056] Figure 6 shows an example of a service screen utilizing broadcasts from a financial institution group channel. Financial institutions can also provide dedicated TV programs on their group channels as part of their financial services. Of course, the production and broadcasting of the programs themselves are outsourced to TV stations. TV programs provided by financial institutions can be viewed at any time by customers selecting the channel, and mainly provide information on financial products handled by the financial institution group and information for asset management. Various types of information can also be provided using data broadcasting in conjunction with these TV programs.

[0057] Figure 6 shows the display of a customer's assets and liabilities by pressing the blue button on a dedicated TV program while watching a channel for a financial institution group. In this way, customers can check not only their bank account balance but also their liabilities, such as their mortgage balance and credit card payment due dates, all from their television. They can also switch to the group's credit card company screen to view their card usage statements, or switch to the main bank's online banking to view deposit and withdrawal statements, or perform regular transfers.

[0058] Furthermore, users can access the trading screens of group securities companies to obtain information on investment products such as stocks, bonds, investment trusts, and FX, and even place orders for investment products on the spot. In particular, when real-time information is needed for stocks or FX (Foreign Exchange), even if the program being watched is not related to investment, users can access the financial institution's server via the d button + color button and quickly transition to the necessary trading screen. It is also possible to have real-time conversations and individual consultations with financial institution representatives.

[0059] (Effects of the embodiment) As explained above, this system provides a new payment system that utilizes a television screen, as well as a new payment system that can be linked with online banking functions. Because the shopping and payment functions are linked, transactions can be completed solely through the TV. Furthermore, it goes beyond traditional online banking functions, allowing users to view credit card statements and other details directly on the TV.

[0060] Furthermore, to ensure that even users who are not digitally savvy can easily use the system, troublesome initial setup will be handled by the bank or the electronics retailer where the TV was purchased. The system will also be usable as much as possible using only the TV remote control, and various security measures will be provided while minimizing the loss of convenience. Examples include linking the TV's device ID to the B-CAS card during authentication, and voice input of passwords and one-time passwords using smart speakers or SIM cards.

[0061] Although the above embodiments mainly described payment systems and television equipment, the methods can also be applied to PCs with television functionality and other devices.

[0062] Although the present invention has been described above using embodiments, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiments. It will be obvious to those skilled in the art that various modifications or improvements can be made to the above embodiments. Furthermore, it is clear from the claims that such modified or improved forms may also be included in the technical scope of the present invention.

[0063] In the above embodiments, the present invention was described as a product invention and a payment system consisting of a group of servers was explained. However, the present invention can also be considered as an invention of a television device, or an invention of an application program installed on a television device. [Explanation of symbols]

[0064] 10 Television equipment 11 Initialization method 12. Digital broadcasting receiving means 13 Remote control operation receiving means 13A Remote control device 14 Instruction transmission means 14A Smart Speaker 15 Authentication Request Means 16. Response receiving means 17 Display control means 18 Display means 18A external display device 20 TV station servers 21 Digital broadcasting distribution methods 22 Product Information Detection Means 23 Instruction relay means 30 Financial Institution Servers 31 Instruction receiving means 32 Authentication methods 33 Response transmission means 101-107 TV banking service screen

Claims

1. A payment system that uses a television screen, Television equipment, television station servers, and financial institution servers are connected via the internet. The aforementioned television device is An instruction transmission means that, in response to a viewer pressing a predetermined button on their remote control, transmits instruction information and the ID of the television device to the television station server to the financial institution server, The system includes a display control means that, in accordance with the instruction information, causes the system to split the screen and display a television program screen that displays television programs provided by the television station server and a service screen that displays services provided by the financial institution server. The aforementioned television station server, The system includes a product information detection means that detects product information related to the program being broadcast in accordance with the timing at which the predetermined button is pressed, and an instruction relay means that transmits the product information along with the instruction information to the financial institution server. The aforementioned financial institution server, The television device is equipped with a response transmission means that transmits information on the payment method for purchasing the product based on the instruction information and the product information. The aforementioned service screen includes information on the payment method for purchasing the aforementioned product. A payment system that enables automatic login to access the financial institution server by requesting authorization from another terminal paired with the television device.

2. A payment system using a television screen, Television equipment, television station servers, and financial institution servers are connected via the internet. The aforementioned television device is An instruction transmission means that, in response to a viewer pressing a predetermined button on their remote control, transmits instruction information and the ID of the television device to the television station server to the financial institution server, The system includes a display control means that, in accordance with the instruction information, causes the system to split the screen and display a television program screen that displays television programs provided by the television station server and a service screen that displays services provided by the financial institution server. The aforementioned television station server, The system includes a product information detection means that detects product information related to the program being broadcast in accordance with the timing at which the predetermined button is pressed, and an instruction relay means that transmits the product information along with the instruction information to the financial institution server. The aforementioned financial institution server, The television device is equipped with a response transmission means that transmits information on the payment method for purchasing the product based on the instruction information and the product information. The aforementioned service screen includes information on the payment method for purchasing the aforementioned product. The television device comprises an input means for verbally entering a password into a smart speaker instead of entering an authentication password, and a means for inserting a SIM card for a smartphone. The television device directly receives a one-time password at the time of payment, and the payment is completed by having the smart speaker enter the one-time password.

3. A payment system using a television screen, Television equipment, television station servers, and financial institution servers are connected via the internet. The aforementioned television device is An instruction transmission means that, in response to a viewer pressing a predetermined button on their remote control, transmits instruction information and the ID of the television device to the television station server to the financial institution server, The system includes a display control means that, in accordance with the instruction information, causes the system to split the screen and display a television program screen that displays television programs provided by the television station server and a service screen that displays services provided by the financial institution server. The aforementioned television station server, The system includes a product information detection means that detects product information related to the program being broadcast in accordance with the timing at which the predetermined button is pressed, and an instruction relay means that transmits the product information along with the instruction information to the financial institution server. The aforementioned financial institution server, The television device is equipped with a response transmission means that transmits information on the payment method for purchasing the product based on the instruction information and the product information. The aforementioned service screen includes information on the payment method for purchasing the aforementioned product. The television device has means for linking the ID of the television device with the ID of the viewer, and is a payment system that reduces the effort required to log in to access the financial institution server.

4. The payment system according to claim 1, 2, or 3, wherein the television device includes an initial setup means for accepting registration with a financial institution group, and the transaction screen of the financial institution to which the viewer has a contract, displayed on the television device, includes transaction information of the credit card company of the financial institution group.

5. The payment system according to claim 4, wherein the initial setup means includes means for linking the ID of the television device with the ID of the viewer, thereby reducing the effort required to log in to access the financial institution server.

6. The payment system according to claim 2 or 3, which enables automatic login for access to the financial institution server by requesting authorization from another terminal paired with the television device.

7. A television system that connects to television station servers and financial institution servers via the Internet, An initial setup means for receiving applications from customers and setting up initial registration with the financial institution group with which the customer has a contract, An instruction transmission means that, in response to a viewer pressing a predetermined button on the remote control, transmits instruction information to the financial institution server along with the ID of the television device to the television station server, Authentication means with the aforementioned financial institution server, A response receiving means for receiving a response from the financial institution server to the instruction information, A display control means that, in accordance with the instruction information, displays a television program screen showing a television program provided by the television station server and a service screen provided by the financial institution server, by dividing the screen and displaying them. Equipped with, The authentication means is a television device that enables automatic login for access to the financial institution server by requesting authorization from another terminal paired with the television device.

8. A program installed in a television device that connects to a television station server and a financial institution server via the Internet, the program causing the television device to function as each of the means described in claim 7.

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