JP2020166889A - Information processing method, information processing device, and program - Google Patents

Abstract

To provide an information processing method enabling a user to easily make settlement in a state in which a plurality of settlement services by one-dimensional code or two-dimensional code are provided, an information processing device, and a program.SOLUTION: An information processing method in which a first information processing device performs prescribed settlement processing corresponding to a prescribed settlement service comprises the steps of: acquiring information on information code from a second information processing device which read information code used for settlement; identifying one settlement service from a plurality of settlement services on the basis of information on the information code; performing the prescribed settlement service on the basis of settlement information contained in the information code when the identified service is the prescribed settlement service; and transmitting the settlement information contained in the information code to another information processing device which performs settlement processing corresponding to another settlement service when the identified settlement service is another settlement service.SELECTED DRAWING: Figure 5

Description

The present disclosure relates to information processing methods, information processing devices and programs.

Currently, a payment method called QR code (registered trademark) payment is provided. In QR code (registered trademark) payment, the QR code (registered trademark) displayed on the screen of the smartphone is used.
Read with the store's POS (Point of sale system) terminal or Q displayed on the store
Payment is made by reading the R code (registered trademark) with a smartphone. Patent Document 1 discloses a technique that makes it possible to settle the cost of a product more easily by using a barcode or a QR code (registered trademark).

Special Table 2016-534453

Currently, various companies are starting to provide payment services using QR codes (registered trademarks). Therefore, when making a payment at a store, the user needs to decide the payment service to be used from multiple payment services, start the application corresponding to the payment service of the decided company, and then make the payment. Therefore, it is considered that it takes a lot of time and effort.

An object of the present disclosure is to provide an information processing method, an information processing device, and a program that enable a user to easily make a payment in a situation where a plurality of payment services using a one-dimensional code or a two-dimensional code are provided. And.

The information processing method according to the embodiment of the present disclosure is an information processing method performed by a first information processing apparatus that executes a predetermined payment process corresponding to a predetermined payment service, and reads an information code used for payment. The step of acquiring information about the information code from the second information processing device, the step of identifying one payment service from a plurality of payment services based on the information about the information code, and the specified payment service making a predetermined payment. If it is a service, the step of executing a predetermined payment process based on the payment information included in the information code, and if the specified payment service is another payment service, the payment information included in the information code is added to another. It has a step of transmitting to another information processing device that executes a payment process corresponding to the payment service.

FIG. 1 shows a configuration of a communication system according to one aspect of the present embodiment. FIG. 2 shows an example of the hardware configuration of the information processing apparatus according to the present disclosure. FIG. 3 shows an example of a block diagram showing a functional configuration of the information processing apparatus according to the present embodiment. It is a figure which shows an example of the purchase history DB. It is a figure which shows an example of the processing sequence performed by the communication system which concerns on this embodiment. It is a figure which shows the display example of a two-dimensional code. It is a figure which shows the display example of a two-dimensional code. It is a figure which shows an example of the processing sequence performed by the communication system which concerns on this embodiment. It is a figure which shows an example of the processing sequence performed by the communication system which concerns on this embodiment. It is a figure which shows an example of the statistical information about a purchase history. It is a figure which shows an example of the statistical information about a purchase history. It is a figure which shows an example of the operation process of 2nd Example. It is a figure which shows an example of the operation process of 3rd Example.

<Law compliance>
The disclosures described herein, if implemented, shall be made in compliance with the laws and regulations of each country in which this disclosure is implemented. In addition, the disclosures described herein are made with all modifications, substitutions, modifications, alterations, and amendments that can be made by those skilled in the art necessary to comply with national legislation.

A mode for implementing the communication system according to the present disclosure will be described with reference to the drawings.

<System configuration>
FIG. 1 shows the configuration of the communication system 1 according to the embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A and the server 11 are connected via the network 130.
0B, server 110C, POS (Point of sales) terminal 120A1, and POS terminal 1
The 20A2, the user terminal 120B1, and the user terminal 120B2 are connected.

In the present disclosure, when it is not necessary to distinguish between the server 110A, the server 110B, and the server 110C, the server 110A, the server 110B, and the server 110C may be expressed as the server 110, respectively.

In the present disclosure, when it is not necessary to distinguish between the POS terminal A1 and the POS terminal A2, the POS terminal A1 and the POS terminal A2 may be expressed as the POS terminal 120A, respectively. When it is not necessary to distinguish between the user terminal 120B1 and the user terminal 120B2, the user terminal 120B1 and the user terminal 120B2 may be expressed as the user terminal 120B, respectively. When it is not necessary to distinguish between the POS terminal 120A and the user terminal 120B, the POS terminal 120A and the user terminal 120B may be expressed as the terminal 120, respectively.

In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be expressed as the information processing device 200, respectively. The number of information processing devices 200 connected to the network 130 is not limited.

The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. Prescribed services are not limited, but for example, payment services, financial services, electronic commerce services, and SNS (Social Netw) represented by instant messenger.
orking Service), including content provision services such as songs, videos, and books. When the user uses a predetermined service via the terminal 120, the server 110 becomes one or more terminals 12
A predetermined service can be provided to 0.

In the present disclosure, the payment service means a service in which one or more users can give and receive money or money equivalents. Settlement using one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.), short-range wireless communication (NFC, BLE, WI-FI, ultrasonic waves, etc.) as an example, not limited Includes services to do. Also, if necessary, a one-dimensional code or
In payment using a two-dimensional code, a user who makes a payment (hereinafter referred to as a "payment user") uses the user terminal 120B to read the one-dimensional code or the two-dimensional code displayed on the POS terminal 120A. Making a payment by doing so is expressed as "user-reading QR payment". Further, a paying user displays a one-dimensional code or a two-dimensional code on the user terminal 120B, and a user who charges money or a monetary equivalent (hereinafter, referred to as "billing user (or store)") POS. Making a payment by reading using the terminal 120A is expressed as "store reading type QR payment".

If necessary, the terminal used by the user X is expressed as the terminal 120X, and the user information in the predetermined service associated with the user X or the terminal 120X is expressed as the user information X. The user information is user information associated with an account used by the user in a predetermined service. The user information is not limited but, as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's hobby. Information associated with the user, such as hobbies and user identifiers, and electronic value (electronic money) associated with the user.
The balance information and the credit card information (credit card number, etc.) associated with the user may be included, and any one or a combination of these may be used.

The network 130 plays a role of connecting two or more information processing devices 200. The network 130 means a communication network that provides a connection route so that data can be transmitted and received after the terminal 120 connects to the server 110.

One or more parts of the network 130 may be a wired network or a wireless network. The network 130 is not limited, but by example, an ad hoc network, an intranet, an extranet, and a virtual private network.
Network (Virtual Private Network: VPN), Local Area Network (LAN), Wireless LAN (Wireless LAN: WLAN), Wide Area Network (WAN), Wireless WAN (Wireless WAN: WW)
AN), Metropolitan Area Network (MAN), part of the Internet, part of the Public Switched Telephone Network (PSTN),
Mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, L
It can include TE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth®), satellite communication, etc., or a combination of two or more of these. The network 130 can include one or more networks 130.

The information processing device 200 may be any information processing device as long as it can realize the functions and / or methods described in the present disclosure.

The information processing device 200 includes a smartphone, a mobile phone (feature phone), a computer (not limited to an example, a desktop, a laptop, a tablet, etc.), a server device, and a media computer platform (not limited to an example). ,
Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (not limited to examples, PDA (Personal Digital Assistant), email clients, etc.), wearable terminals (not limited to examples, glasses-type devices, watches, etc.) Includes type devices), other types of computers, or communication platforms.

<Hardware (HW) configuration>
The HW configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG.

The information processing device 200 includes a processor 201, a memory 202, a storage 203, and the like.
Input / output interface (input / output I / F) 204 and communication interface (communication I / F) 2
Includes 05. Each component of the HW of the information processing apparatus 200 is not limited, but as an example, the bus B
To be connected to each other via.

The information processing device 200 includes a processor 201, a memory 202, a storage 203, and the like.
The functions and / or methods described in the present disclosure are realized by the cooperation of the input / output I / F 204 and the communication I / F 205.

Processor 201 executes functions and / or methods realized by codes or instructions contained in a program stored in storage 203. Processor 201
Not limited, but as an example, central processing unit (CPU), MPU (Micro Processing Unit), G
PU (Graphics Processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor), ASIC (Applic)
Includes ation-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., Integrated Circuit (IC (Integrated Circuit) Chip, LSI (Large Scale Integrat)
Each process disclosed in each embodiment may be realized by a logic circuit (hardware) or a dedicated circuit formed in ion)) or the like. Further, these circuits may be realized by one or a plurality of integrated circuits, and a plurality of processes shown in each embodiment may be realized by one integrated circuit. Further, the LSI may be referred to as a VLSI, a super LSI, an ultra LSI, or the like depending on the degree of integration.

The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. Various data generated while the processor 201 is executing the program are also temporarily stored in the memory 202. The memory 202 is not limited, but as an example, a RAM (Random Access Memory) and a ROM (Read Only Memory).
And so on.

The storage 203 stores the program. The storage 203 includes, but is not limited to, an HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

The communication I / F 205 transmits / receives various data via the network 130. The communication may be executed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be executed. The communication I / F 205 has a function of executing communication with another information processing device via the network 130. The communication I / F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I / F 205 receives various data transmitted from other information processing devices and receives the processor 20.
Communicate to 1.

The input / output I / F 204 includes an input device for inputting various operations to the information processing device 200 and an output device for outputting the processing result processed by the information processing device 200. I / O I /
In F204, the input device and the output device may be integrated, or the input device and the output device may be separated.

The input device receives the input from the user and outputs the information related to the input to the processor 201.
It is realized by any or a combination of all kinds of devices capable of transmitting to.
The input device includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

The output device is realized by any one of all kinds of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. Video of the processing result,
And / or when outputting as a moving image, the output device is realized by any or a combination of all kinds of devices capable of displaying the display data according to the display data written in the frame buffer. Output devices include touch panels, touch displays, and monitors (as examples, not limited to liquid crystal displays, OEs).
LD (Organic Electroluminescence Display), etc.), Head-mounted display (
HDM: Head Mounted Display), projection mapping, holograms, devices capable of displaying images, text information, etc. in the air (which may be vacuum), speakers (audio output), printers, etc. are included. It should be noted that these output devices may be capable of displaying display data in 3D.

The program of each embodiment of the present disclosure may be provided stored in a computer-readable storage medium. The storage medium can store the program in a "non-temporary tangible medium". Programs include, but are not limited to, software programs and computer programs as examples.

The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs).
) (For example, without limitation, Field Programmable Gate Array (FPGA),
ICs for specific applications (ASIC), etc.), hard disk drives (HDD), hybrid hard drives (HHD), optical disks, optical disk drives (ODD), optical magnetic disks, optical magnetic drives, floppy disks, floppy disks. Disk drive (FDD), magnetic tape, solid drive (SSD), RAM drive, secure
It can include a digital card or drive, any other suitable storage medium, or a suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

Further, the program of the present disclosure may be provided to the information processing apparatus 200 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program.

Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave, in which the program is embodied by electronic transmission.

The program of the present disclosure is not limited to, for example, a script language such as Javascript (registered trademark) and Python, C language, Go language, Swift, Kotlin.
, Java®, etc.

At least a part of the processing in the information processing apparatus 200 may be realized by cloud computing composed of one or more computers.

At least a part of the processing in the information processing apparatus 200 may be performed by another information processing apparatus. In this case, at least a part of the processing of each functional unit realized by the processor 201 may be performed by another information processing device.

<Others>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

In the present disclosure, "or" has an inclusive meaning rather than an exclusive meaning unless otherwise stated or indicated by context. Accordingly, in the present disclosure, "A or B" means "A, B, or both," unless otherwise stated or indicated by context. Further, "at least one of A and B" means "A, B, or both". In addition, unless otherwise stated or indicated by context, "a", "an"
, Or "the" shall mean "one or more". Thus, herein, "an A" or "the A" means "one or more A" unless otherwise stated or otherwise indicated by context.

The present disclosure includes all modifications, substitutions, modifications, modifications, and modifications that can be made by one of ordinary skill in the art to the embodiments and / or examples of the present disclosure. Similarly, where appropriate, the appended claims make all modifications, substitutions, modifications, modifications, and modifications made by those skilled in the art to the embodiments and / or embodiments of the present disclosure. Include. In addition, the present disclosure comprises one or more features of embodiments and / or embodiments of the present disclosure that can be made by one of ordinary skill in the art.
Includes any combination with other embodiments in the present disclosure and / or one or more features of the Examples.

In addition, a device or system or device or system component that is adapted, arranged, capable, configured, usable, operational, or operational to perform a particular function. The appended claims reference to is made the device, system, or component so adapted, arranged, capable, configured, enabled, and operational. As long as it can or can operate, it includes the device, system, component, whether or not the device, system, component or its particular function is activated, turned on, or unlocked.

Unless explicitly stated, the present disclosure may obtain the consent of the user in advance or immediately before the implementation of any embodiment or embodiment. In addition, the consent to be obtained may be comprehensive or may be obtained on a case-by-case basis.

<Embodiment>
In the present embodiment, the server 110 shall provide a payment service using at least an information code including a multidimensional code such as a one-dimensional code, a two-dimensional code, and a three-dimensional code. Further, the payment service provided by the server 110 is different for each server 110. Different payment services are not limited, but as an example, the payment service provider (
It includes at least one of different companies), different service names of payment services, different processing contents in payment processing, and different processing procedures in payment processing.

In the following description, for convenience of explanation, a payment service using a two-dimensional code will be described, but the present disclosure is not limited to the two-dimensional code. This embodiment can also be applied to a one-dimensional code or a payment service using a three-dimensional code.

In the present embodiment, when the store reading type QR payment is performed, the server 110 or the user terminal 12
0B is used for payment based on the information embedded in the two-dimensional code or based on the characteristics of figures and characters drawn around the two-dimensional code displayed (posted) on the screen of the user terminal 120B. The payment service to be specified is specified, and the server 110 that provides the specified payment service executes the payment process.

Also, when user-readable QR payment is performed, the server 110 or POS terminal 120A is drawn based on the information embedded in the two-dimensional code or around the two-dimensional code displayed (posted) in the store. The payment service used for payment is specified based on the characteristics of the figure and characters, and the server 110 that provides the specified payment service executes the payment process. The information embedded in the two-dimensional code and the features such as figures and characters drawn around the two-dimensional code are collectively referred to as "information about the information code" below.

According to this embodiment, in a situation where each company provides a plurality of payment services using a two-dimensional code, the payment service is automatically specified, so that the payment user can use the payment user.
The effect is that payment can be easily made without starting an application corresponding to the payment service used for payment.

Further, according to the present embodiment, it is possible to prevent a user from accidentally starting an application corresponding to a payment service that cannot be used for payment at a store, which is a wasteful operation. As a result, it is possible to prevent an error from occurring in the payment process and the trouble of starting the application corresponding to the correct payment service again. Further, this makes it possible to prevent the CPU and memory resources of the server 110 and the terminal 120 from being wasted.

Further, according to the present embodiment, the payment service corresponding to the two-dimensional code read by the payment user is automatically selected, so that the troublesome operation required when making a payment using the two-dimensional code is released. This makes it possible to provide a smooth payment service.

<Functional configuration of this embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described with reference to FIG. Figure 3
The functional units disclosed in the above are the processor 201 included in the information processing device 200, the memory 202, and
It is realized by the cooperation of the storage 203, the input / output I / F 204, and the communication I / F 205.

(1) Functional configuration of server The server 110 has an input / output I / F 311, a communication I / F 312, a control unit 313, and a storage unit 314. The input / output I / F 311 and the communication I / F 312 correspond to the input / output I / F 204 and the communication I / F 205 of FIG. 2, respectively. The control unit 313 is the acquisition unit 315.
A specific unit 316, a settlement processing unit 317, and a notification unit 318 are included. The storage unit 314 stores the program and the purchase history DB (DataBase).

The acquisition unit 315 has a function of acquiring information regarding an information code used for payment from the terminal 120.

The specific unit 316 has a function of specifying one payment service to be used for payment from a plurality of payment services based on the information regarding the information code acquired by the acquisition unit 315. For example, when the information regarding the information code is a character string obtained by reading the two-dimensional code on the terminal 120 side, the specific unit 316 is based on the character string that can specify the payment service included in the character string. , One payment service used for payment may be specified. Also,
When the information about the information code is an image including the two-dimensional code and the two-dimensional code contains a character string that can identify the payment service, the identification unit 316 reads (decodes) the two-dimensional code. One payment service to be used for payment may be specified based on the content of the character string obtained by the above. When the information related to the information code is an image including a two-dimensional code, the specific unit 316 is a feature (for example, an icon indicating the name of the payment service) included in the image acquired by the acquisition unit 315 and corresponding to each payment service. Etc.) may be analyzed to identify one payment service used for payment.

The payment processing unit 317 decodes the two-dimensional code when the payment service specified by the specific unit 316 is a payment service (predetermined payment service) for which the server 110 itself (first information processing device) should perform payment processing. The payment process is performed using the character string (payment information) obtained by the above. On the other hand, the payment service specified by the specific unit 316 is another server 110.
When is another payment service for which payment processing should be performed, the payment processing unit 317 obtains a character string (payment information) by decoding the two-dimensional code for the other server 110.
Is processed to be transmitted. The function of transmitting may be called a transmitting unit.

The payment processing unit 317 processes the character string (payment information) included in the two-dimensional code according to the specifications of the other payment service, and transmits the processed payment information to the other server 110. You may try to do it. As an example, not a limitation, it is assumed that only a part of the character strings included in the two-dimensional code is used for payment processing according to the specifications of the other payment service. In this case, the payment processing unit 317 may extract a part of the character string from the character string included in the two-dimensional code and transmit it to another server 110. In addition, the payment processing unit 317 holds the specification data associated with each payment service, specifies the specification data corresponding to the payment service specified by the specific unit 316, and processes the payment information based on the specification data. You may.

Further, in the payment processing unit 317, the payment service specified by the specific unit 316 is the server 1.
When the 10 itself (first information processing device) is a payment service (predetermined payment service) for which payment processing should be performed, it has a function of storing information related to payment in a purchase history DB. Further, when the payment service specified by the specific unit 316 is another payment service that the other server 110 should perform payment processing, the payment processing unit 317 provides information on the payment performed using the payment service. It has a function of acquiring information included in the two-dimensional code or the other server 110 and storing it in the purchase history DB.

The notification unit 318 informs the terminal 120 (second information processing device) that the payment processing unit 317 cannot specify the payment service used for payment when the payment service used for payment cannot be specified. It has a function to notify. The predetermined process is not limited, but may be, for example, a process in which the user terminal 120B activates the Web browser.

Further, the notification unit 318 responds to the user's operation performed on the terminal 120, and the purchase history D
A process of acquiring information on payment from B and notifying the terminal 120 may be performed.
The information regarding the payment notified to the terminal 120 is displayed on the screen of the terminal 120. Notification unit 31
Since the eighth unit has a function of transmitting information to be displayed on the screen of the terminal 120 to the terminal 120, the notification unit 318 may be expressed as a display control unit.

Further, when the notification unit 318 receives a request regarding the same payment processing from the same terminal 120 a predetermined number of times within a predetermined time, the terminal 120 indicates that the same payment processing has been performed a predetermined number of times within the predetermined time. May be notified to. For example, if the user repeatedly reads the same two-dimensional code for some reason, the server 110 will receive the same payment processing request many times. In such a case, the notification will be given.
The user can take measures such as updating the two-dimensional code and re-doing the payment process.

FIG. 4 is a diagram showing an example of the purchase history DB. The date and time (time stamp) at which the payment was made is stored in the "date and time". "Payment user" is a user who used the payment service (
Information that identifies the paying user) is stored. The information that identifies the paying user is not limited, but may be, for example, the user's name or user ID. The "payee (billing user)" stores information that identifies the billing user who has been paid by the payment service. The payee is not limited, but may be a store name or a store ID as an example. The "payment service" stores information that identifies the payment service used for payment. The information is not limited, but may be, for example, the name of the payment service, the name of the company that provides the payment service, the ID that identifies the payment service, or the like. The amount paid by the payment service is stored in the "payment amount". In the "product name / service name", the product name of the purchased product and the product name of the service are stored. The purchase history DB shown in FIG. 4 is merely an example, and the purchase history DB may include items not shown in FIG. 4 or may have a configuration in which a part of the information shown in FIG. 4 does not exist. ..

(2) Functional configuration of the terminal The terminal 120 has an input / output I / F 321, a communication I / F 322, a control unit 323, and a storage unit 324. The input / output I / F 321 and the communication I / F 322 correspond to the input / output I / F 204 and the communication I / F 205 of FIG. 2, respectively. The control unit 323 includes an acquisition unit 325, a specific unit 326, a payment processing unit 327, an activation processing unit 328, and a UI (User Interface).
Includes parts 329 and. The storage unit 324 stores the program.

The acquisition unit 325 has a function of acquiring an image including a two-dimensional code used for payment by using the photographing device included in the terminal 120. The acquisition unit 325 may be referred to as a photographing unit.

The specific unit 326 has a function of specifying one payment service to be used for payment from a plurality of payment services based on the image acquired by the acquisition unit 325. The two-dimensional code included in the image acquired by the acquisition unit 325 includes a character string that can identify the payment service, and the identification unit 326 reads (decodes) the two-dimensional code. The payment service used for payment may be specified based on the contents of. In addition, the specific unit 32
In 6, the payment service used for payment may be specified by analyzing the presence or absence of features corresponding to each payment service included in the image acquired by the acquisition unit 325.

The payment processing unit 327 has a function of transmitting a character string (payment information) obtained by decoding a two-dimensional code to the server 110 that performs payment processing of the payment service specified by the specific unit 326.

The payment processing unit 327 is a character string obtained by decoding the two-dimensional code (
The payment information) is processed according to the specifications of the specified payment service, and the processed character string (payment information) is processed.
(Payment information) may be transmitted to the server 110. For example, according to the specifications of the payment service, it is assumed that only a part of the character strings included in the two-dimensional code is used for the payment process. In this case, the settlement processing unit 317 may transmit a character string obtained by extracting a part of the character string from the character string included in the two-dimensional code to the server 110. In addition, the payment processing unit 317 holds the specification data associated with each payment service, specifies the specification data corresponding to the payment service specified by the specific unit 316, and processes the payment information based on the specification data. You may.

The activation processing unit 328 uses the payment service when the payment service used for payment cannot be specified by the specific unit 326 or when the server 110 notifies that the payment service used for payment cannot be specified. It has a function to start a Web browser to enable it. At this time, the activation processing unit 328 may pass the character string obtained by reading (decoding) the two-dimensional code to the Web browser.

The UI unit 329 has a function of displaying various screens for performing payment processing using the payment service on the display, and a function of accepting user operations on the various screens. The functional unit related to the function of displaying the various screens on the display may be expressed as a display control unit. Further, the functional unit related to the function of accepting the user's operation on the various screens may be expressed as the operation receiving unit. Further, when the UI unit 329 receives a notification from the server 110 that the same payment process has been performed a predetermined number of times within a predetermined time, the UI unit 329 displays a screen indicating that the notification has been received. May be good.

<Operation processing of this embodiment>
Hereinafter, the processing performed by the communication system 1 according to the present embodiment will be described. In the following description, the server 110A, the server 110B, and the server 110C are the payment service A, respectively.
It is assumed that the payment service B and the payment service C are provided. In addition, at least information (character strings and features) that can identify the payment service is included in the character string obtained by decoding the two-dimensional code or around the two-dimensional code, and the specifications of the information are described. It is assumed that the server 110 or the terminal 120 that specifies the payment service knows in advance.

The information that can identify the payment service is not limited, but may be, for example, the domain name (or IP address) of the server 110 that provides the payment service. Further, it may be the name of a company that provides a payment service or a payment service, or may be a logo mark, a color, or a pattern indicating a company that provides a payment service or a payment service. In the latter case, the server 110 or the terminal 120 that identifies the payment service stores in advance a database that associates the information that can identify the payment service with the domain name (or IP address) of the server 110 that provides the payment service. By searching the database using the information that can identify the payment service as a key, it is possible to specify the domain name (or IP address) of the server 110 that provides the payment service.

FIG. 5 is a diagram showing an example of a processing sequence performed by the communication system 1 according to the present embodiment. In the sequence shown in FIG. 5, the server 110A identifies the payment service used for payment.
Do. Further, in the case of user-reading QR payment, the terminal 120 corresponds to the user terminal 120B. In the case of store-reading QR payment, the terminal 120 corresponds to the POS terminal 120A.

First, the acquisition unit 325 of the terminal 120 responds to the operation of the paying user or the billing user.
Take an image containing the two-dimensional code using a camera or a two-dimensional code reader (S10).
0). More specifically, in the case of store-reading QR payment, the billing user operates the POS terminal 120A to take a picture of the two-dimensional code displayed on the user terminal 120B of the paying user.
In the case of user-reading QR payment, the payment user operates the user terminal 120B to perform PO.
An image including a two-dimensional code displayed on the S terminal 120A or an image including a printed two-dimensional code placed in a store is taken.

Subsequently, the acquisition unit 325 of the terminal 120 transmits a payment request message including a character string obtained by decoding the captured image data or the two-dimensional code to the server 110A.
The acquisition unit 315 of the server 110A acquires the image data or the character string transmitted from the terminal 120 (S101).

Subsequently, the identification unit 316 of the server 110A is a process of specifying the payment service used for payment based on the image data or the character string acquired in the processing procedure of step S101 (may be called identification of the sorting destination). ) (S102). If the specified payment service is the payment service A, the process proceeds to step S110. If the specified payment service is payment service B or C, the process proceeds to step S120. In addition, when the payment service cannot be specified because there is no information that can identify the payment service, or because there is information that can identify the payment service but the information cannot be recognized by the specific unit 316. , Proceed to the processing procedure of step S130.

Here, a specific example will be described of a method in which the specific unit 316 specifies a payment service used for payment. The specific method 1 and the specific method 2 shown below can be applied to both the user-reading QR payment and the store-reading QR payment.

(Specification method 1)
The identification method 1 is a identification method that can be used when a character string that can identify the payment service is included in the character string obtained by decoding the two-dimensional code.

In the case of the specific method 1, the specific unit 316 searches for the presence or absence of a character string that can specify the payment service from the character strings obtained by decoding the two-dimensional code, and thereby obtains the payment service used for the payment. Identify. For example, the two-dimensional code used for the payment service provided by company A contains the character string "A-company", and the two-dimensional code used for the payment service provided by company B includes "B.com". The two-dimensional code used for the payment service provided by Company C includes the character string "Cpay". In this case, the specific unit 316 has "A-company" in the character string obtained by decoding the two-dimensional code.
Search for the characters "B.com" or "Cpay". If "A-company" is included, the specific unit 316 specifies that the payment service used for payment is the payment service of company A. Similarly, if "B.com" is included, it is specified as the payment service of company B, and if "Cpay" is included, it is specified as the payment service of company C.

(Specification method 2)
In the identification method 2, as shown in FIGS. 6A and 6B, for example, it is assumed that features that can identify each payment service are illustrated around the two-dimensional code. FIG. 6A shows an example in which the name of the payment service is illustrated above the two-dimensional code, and FIG. 6B shows an example in which a pattern indicating a specific payment service is drawn around the two-dimensional code. There is.

In the case of the specific method 2, the specific unit 316 identifies the payment service used for payment by searching for the presence or absence of features corresponding to each payment service from the image including the two-dimensional code.
For example, an icon of "A pay" is displayed around the two-dimensional code used for the payment service provided by company A as shown in FIG. 6A, and is used for the payment service provided by company B. It is assumed that a checkered pattern is drawn around the dimension code as shown in FIG. 6B.

In this case, the specific unit 316 analyzes the presence / absence of the icon with "A pay" and the presence / absence of the check pattern in the image including the two-dimensional code. When the icon of "A pay" is detected as a result of the analysis, the specific unit 316 identifies that the payment service used for the payment is the payment service of the company A. Similarly, when the check pattern is detected, the identification unit 316 specifies that the payment service used for payment is the payment service of company B.

When payment is made by the payment service A, the payment processing unit 317 of the server 110A performs the payment processing using the character string obtained by decoding the two-dimensional code included in the image data (S110). In the payment process, various data necessary for the payment process are transmitted and received between the server 110A and the terminal 120. When the payment process is completed, the payment processing unit 317 stores information about the payment performed using the payment service A in the purchase history DB (S1).
11), the terminal 120 is notified that the payment has been completed (S112).

When payment is made by payment service B (or payment service C), payment processing unit 317
Transmits all or part of the character string obtained by decoding the two-dimensional code included in the image data to the server 110B (or the server 110C) (S120). Payment processing unit 31
7 is, for example, the server 110B for all the character strings obtained by decoding the two-dimensional code.
It may be transmitted to (or the server 110C), or the character string obtained by decoding the two-dimensional code excluding the information that can identify the payment service is excluded from the server 11
It may be transmitted to 0B (or server 110C).

Subsequently, the server 110B (or the server 110C) performs a payment process using the received character string (S121). In the payment process, various data necessary for the payment process are transmitted and received between the server 110B (or the server 110C) and the terminal 120. When the payment process is completed, the server 110B (or the server 110C) notifies the server 110A that the payment has been completed (S122). The notification may include information (date and time, payment user, billing user, payment amount, product name / service name, etc.) regarding payment made using payment service B (or payment service C). The payment processing unit 317 of the server 110A is the server 1.
The information regarding the payment notified from the 10B (or the server 110C) is stored in the purchase history DB (S123), and the terminal 120 is notified that the payment is completed (S124). The payment processing unit 317 of the server 110A is in step S1 in the processing procedure of step S123.
If the payment request message received in 01 or the character string obtained by decoding the two-dimensional code contains information related to payment performed using payment service B or payment service C, the information related to the payment is included. , It may be stored in the purchase history DB.

When the payment service cannot be specified, the payment processing unit 317 notifies the terminal 120 of a message indicating that the payment service cannot be specified (S130). Terminal 12 that received the notification
The payment processing unit 327 of 0 acquires a character string by decoding the two-dimensional code (S13).
1). Subsequently, the activation processing unit 328 activates the Web browser included in the terminal 120, and instructs the Web browser to access the URL included in the acquired character string (S1).
32). The Web browser displays various payment screens on the screen of the terminal 120 by accessing the payment processing device indicated by the URL. Subsequently, the payment user completes the payment process by operating various payment screens displayed on the Web browser (S133).

In the processing procedure of steps S130 to S133, the server 110 is different from the server 110B and the server 110C in the character string obtained by decoding the two-dimensional code, and the payment processing is performed using a Web browser. U of server 110 that can be done
It operates when RL is stored. Therefore, if such a URL is not stored in the character string obtained by decoding the two-dimensional code, the payment processing unit 3 of the terminal 120
In No. 27, since the URL cannot be passed to the Web browser, the payment process is canceled.

FIG. 7 is a diagram showing an example of a processing sequence performed by the communication system 1 according to the present embodiment. In the sequence shown in FIG. 7, the terminal 120 identifies the payment service used for payment. Further, the server 110A operates as a proxy that receives a request for payment processing from the terminal 120 and passes it to the server 110B or the server 110C. Also, server 1
10A, server 110B and server 110C shall provide payment service A, payment service B and payment service C, respectively.

Since the processing procedure of step S200 is the same as the processing procedure of step S100 of FIG. 5, the description thereof will be omitted. Subsequently, the identification unit 326 of the terminal 120 performs a process of identifying the payment service used for the payment based on the image data acquired in the processing procedure of step S200 (S201). The method of specifying the payment service used for payment is the same as the specific method 1 and the specific method 2 described with reference to FIG. 7, and thus the description thereof will be omitted.

Subsequently, the payment processing unit 327 transmits a payment request message to the server 110A, which includes all or a part of the character string obtained by decoding the two-dimensional code included in the image data (S202). For example, the payment processing unit 327 may transmit all the character strings obtained by decoding the two-dimensional code to the server 110A, or settle the payment from the character strings obtained by decoding the two-dimensional code. A character string excluding information that can identify the service may be transmitted to the server 110A.

Hereinafter, if the payment service specified in the processing procedure of step S201 is the payment service A, the process proceeds to the processing procedure of step S210, and if the specified payment service is the payment service B or C, the processing procedure of step S220 is performed. move on. If the payment service cannot be specified, the process proceeds to step S230.

Steps S210 to S2 when payment is made by payment service A
Since the processing procedures up to 12 are the same as the processing procedures of steps S110 to S112 of FIG. 7, the description thereof will be omitted.

When the payment is made by the payment service B (or the payment service C), the payment processing unit 317 of the server 110A transmits the character string received from the terminal 120 to the server 110B (or the server 11).
It is transmitted to 0C) (S220). Since the processing procedures of steps S221 to S224 are the same as the processing procedures of steps S121 to S124 of FIG. 7, the description thereof will be omitted.

When the payment service cannot be specified, the payment processing unit 327 acquires the character string by decoding the two-dimensional code (S230). Subsequently, the activation processing unit 328 activates the Web browser included in the terminal 120, and instructs the Web browser to access the URL included in the character string acquired in step S230 (S231). Web browser is the URL
By accessing the payment processing device shown by, various payment screens are displayed on the screen of the terminal 120. Subsequently, the payment user completes the payment process by operating various payment screens displayed on the Web browser (S232).

As described above, in the processing procedure described with reference to FIG. 7, the terminal 120 may directly request the payment processing from the server 110B or the server 110C that provides the payment service used for the payment. That is, the server 110A does not act as a proxy, but rather
The terminal 120 may directly request the server 110B or the server 110C for payment processing. An example of the processing procedure in this case is shown in FIG.

When the payment is made by the payment service B (or the payment service C), the payment processing unit 327 of the terminal 120 transmits the character string to the server 110B (or the server 110C) (S240).
). At this time, the payment processing unit 327 activates the payment application corresponding to the payment service B (or the payment service C) in the terminal 120 so that the payment application executes various processes related to the payment. May be good.

Subsequently, the server 110B (or the server 110C) performs a payment process using the received character string (S241). In the payment process, various data necessary for the payment process are transmitted and received between the server 110B (or the server 110C) and the terminal 120. When the payment process is completed, the server 110B (or the server 110C) notifies the terminal 120 that the payment has been completed (S242).

Further, regarding the processing procedure of step S201 in FIG. 7, the terminal 120 may request the server 110A to specify the payment service instead of specifying the payment service by itself. In this case, the terminal 120 may receive information about one specified payment service from the server 110A and specify (recognize) the payment service according to the received information. Further, at this time, the UI unit 329 of the terminal 120 may display information related to one payment service specified by the server 110A on the screen.

<< First Example >>
The first embodiment is an embodiment when the billing user or the payment user refers to the information regarding the settlement stored in the purchase history DB. According to the first embodiment, it is possible for the billing user or the paying user to comprehensively refer to the statistical information regarding the payment made through various payment services.

<< Operation processing of the first embodiment >>
The notification unit 318 of the server 110 performs a process of acquiring information on payment from the purchase history DB and notifying the POS terminal 120A in response to a user operation performed on the POS terminal 120A. At this time, which item to be extracted (filtered) from each item in the purchase history DB may be arbitrarily specified from the POS terminal 120A. Then, POS
The UI unit 329 of the terminal 120A displays the statistical information regarding the payment received from the server 110 on the screen as a report.

For example, the notification unit 318 may extract information on a predetermined period (for example, for the latest one month) from the payment information stored in the purchase history DB and transmit it to the POS terminal 120A. When the payment user to be extracted is arbitrary, the billing user can refer to the statistical information regarding all the purchase histories paid to the billing user.

FIG. 9A is a diagram showing an example of statistical information regarding the purchase history. FIG. 9A shows a purchase history DB.
An example is shown in the case where the billing user generates statistical information by extracting a record of "nn-1".

In addition to the purchase history by the two-dimensional code payment, the server 110 may record, for example, transaction history in financial services and electronic commerce services. In addition to the information recorded in the purchase history DB, the notification unit 318 of the server 110 includes information on financial services (asset balance, liability balance, investment status, etc.) used by each payment user, and usage status of electronic commerce services. Also, the POS terminal 120A may be notified.

By making it possible to refer to statistical information regarding purchase history, the billing user can take measures such as sending an advertisement to a specific payment user as a sales promotion activity.
The advertisement may be transmitted by the server 110, or may be performed by an external advertisement distribution server different from the server 110. When the server 110 transmits the advertisement, the advertisement may be transmitted only when the billing user pays the company operating the server 110 for the advertisement transmission.

Further, the notification unit 318 of the server 110 performs a process of acquiring information on payment from the purchase history DB and notifying the user terminal 120B in response to the user's operation performed on the user terminal 120B. At this time, it may be possible to arbitrarily specify which item and how to extract each item of the purchase history DB from the user terminal 120B. Then, user DB105a
The UI unit 329 of the above displays statistical information regarding payment received from the server 110 on the screen as a report.

For example, the notification unit 318 may extract information on a predetermined period (for example, for the latest one month) from the payment information stored in the purchase history DB and transmit it to the user terminal 120B. If the billing user to be extracted is arbitrary, the paying user can refer to a report on all purchase histories for which he / she has paid, as shown in FIG. 9B.

Although the setting of the extraction method is arbitrary, statistical information may be generated by extracting only the records of billing users having the same attributes from the purchase history DB. The same attribute may be any attribute, but it may be a billing user including, for example, the character string "nn" (for example, assuming a chain store named nn).

In addition, the notification unit 318 may transmit the statistical information regarding the settlement accumulated in the purchase history DB to the POS terminal 120A as a periodic report (for example, every month).

The paying user may also be able to choose whether or not to receive advertisements based on his or her purchasing activity. The advertisement may be a coupon, or a coupon may be given if the advertisement is selected to be received.

The administrator of the server 110 may be able to arbitrarily refer to the purchase history DB. Further, the server 110 may calculate the creditworthiness of the paying user based on the purchase history DB.

<< Second Example >>
In the second embodiment, when the payment processing unit 317 of the server 110 detects that the same payment processing has been requested a predetermined number of times within a predetermined time, the POS terminal 120A and / or the user terminal 120B is notified to that effect. It is an example to do. For example, if some error occurs in the payment process, the paying user or the billing user may read the same two-dimensional code many times without noticing that the two-dimensional code is invalid. .. In this case, server 11
0 is useless because the invalid two-dimensional code is processed many times. According to the second embodiment, it is possible to notify the payment user or the billing user that the payment has failed due to some error in the payment process. Further, since the paying user or the billing user can suppress the act of reading the invalid two-dimensional code many times, it is possible to reduce the processing load of the server 110 when an abnormality occurs.

<< Operation processing of the second embodiment >>
FIG. 10 is a diagram showing an example of the operation process of the second embodiment. Payment processing unit 3 of server 110
In 17, the payment request by the same two-dimensional code is made by the POS terminal 120A or the user terminal 12.
It is detected that the request has been made a predetermined number of times within a predetermined time from 0B (S300). Subsequently, the payment processing unit 317 transmits an alert to the POS terminal 120A and / or the user terminal 120B indicating that the same payment processing has been performed a predetermined number of times within a predetermined time (S301, S303).
). The POS terminal 120A and / or the user terminal 120B that received the alert displays the alert on the screen (S302, S304).

The server 110 of FIG. 10 may include a payment processing device accessed by a Web browser when the payment service cannot be specified in FIGS. 5 and 7.

<< Third Example >>
The third embodiment is an embodiment that enables the update of the two-dimensional code displayed on the screen of the POS terminal 120A or the user terminal 120B in response to the operation of the paying user or the billing user. As a result, for example, when an alert is received in the second embodiment, the paying user or the billing user can continue the payment process by updating the two-dimensional code.

<< Operation processing of the third embodiment >>
FIG. 11 is a diagram showing an example of the operation process of the third embodiment. Terminal 120 (POS terminal 12)
The UI unit 329 of 0A or the user terminal 120B) accepts the update of the two-dimensional code (S).
400). Subsequently, the payment processing unit 327 requests the server 110 to update the two-dimensional code (S401). The server 110 generates a new two-dimensional code (S402) and transmits the generated two-dimensional code to the terminal 120 (S403). The UI unit 329 of the terminal 120 updates the two-dimensional code displayed on the screen with the received two-dimensional code (S404).

1 Communication system, 110 servers, 120 terminals, 130 networks, 200
Information processing device, 201 processor, 202 memory, 203 storage, 204 input / output interface, 205 communication interface, 313 control unit, 314 storage unit,
315 acquisition unit, 316 specific unit, 317 payment processing unit, 318 notification unit, 323 control unit, 324 storage unit, 325 acquisition unit, 326 specific unit, 327 payment processing unit, 328
Startup processing unit, 329 UI unit

Claims (16)

It is an information processing method performed by a first information processing device that executes a predetermined payment process corresponding to a predetermined payment service.
A step of acquiring information related to the information code from the second information processing device that has read the information code used for payment, and
A step of identifying one payment service from a plurality of payment services based on the information related to the information code, and
If the specified payment service is the predetermined payment service, the step of executing the predetermined payment process based on the payment information included in the information code, and
If the specified payment service is another payment service, it has a step of transmitting the payment information included in the information code to another information processing device that executes a payment process corresponding to the other payment service. Information processing method. The step of transmitting the payment information included in the information code to the other information processing device is
A step of processing the payment information included in the information code according to the specifications of the other payment service, and
Claim 1 including a step of transmitting the processed payment information to the other information processing device.
Information processing method described in. The information processing method according to claim 1 or 2, further comprising a step of notifying the second information processing apparatus that the payment service used for payment cannot be specified when the payment service used for payment cannot be specified. The information regarding the information code includes a character string and includes a character string.
The step of identifying one payment service from the plurality of payment services is a step of specifying one payment service to be used for payment based on a character string that can identify the payment service included in the information related to the information code. The information processing method according to any one of claims 1 to 3, further comprising. The information regarding the information code includes an image including the information code, and includes an image.
The information code contains a character string that can identify the payment service.
The step of identifying one payment service from the plurality of payment services is one payment service used for payment based on the character string obtained by reading the image of the information code included in the information related to the information code. The information processing method according to any one of claims 1 to 4, further comprising a step of specifying the above. The information regarding the information code includes an image including the information code, and includes an image.
The step of identifying one payment service from the plurality of payment services is a step of identifying one payment service used for payment by analyzing the characteristics that can identify the payment service included in the information related to the information code. Including,
The information processing method according to any one of claims 1 to 5. A step of storing information on payments made using the predetermined payment service or the other payment service in history information, and
A step of acquiring and displaying information on a payment made by using the predetermined payment service or the other payment service from the history information in response to a user operation.
The information processing method according to any one of claims 1 to 6. An information processing device that operates as a first information processing device that executes a predetermined payment process corresponding to a predetermined payment service.
An acquisition unit that acquires information related to the information code from the second information processing device that has read the information code used for payment.
A specific unit that identifies one payment service from a plurality of payment services based on the information related to the information code, and
If the specified payment service is the predetermined payment service, a payment processing unit that executes the predetermined payment process based on the payment information included in the information code, and a payment processing unit.
If the specified payment service is another payment service, a transmission unit that transmits the payment information included in the information code to another information processing device that executes payment processing corresponding to the other payment service. Information processing device to have. To the first information processing device that executes a predetermined payment process corresponding to a predetermined payment service,
A step of acquiring information related to the information code from the second information processing device that has read the information code used for payment, and
A step of identifying one payment service from a plurality of payment services based on the information related to the information code, and
If the specified payment service is the predetermined payment service, the step of executing the predetermined payment process based on the payment information included in the information code, and
If the specified payment service is another payment service, the step of transmitting the payment information included in the information code to another information processing device that executes the payment process corresponding to the other payment service is executed. Program to let you. For information processing equipment
Steps to take an image containing the information code used for payment,
A step of displaying information related to one payment service identified from a plurality of payment services based on the image, and
If the specified payment service is the first payment service, a step of transmitting the payment information included in the information code to the first information processing device corresponding to the first payment service, and
If the specified payment service is a second payment service, a program for causing a second information processing device corresponding to the second payment service to execute a step of transmitting payment information included in the information code. 10. The claim 10 includes a step of invoking a Web browser to use a payment service different from the first payment service and the second payment service when the payment service used for payment is not specified. Described program. The program according to claim 10 or 11, further comprising a step of displaying that the notification has been received when the notification that the same payment processing has been performed a predetermined number of times within a predetermined time is received. The information code contains a character string that can identify the payment service.
One payment service specified from the plurality of payment services is a claim in which the payment service used for payment is uniquely specified based on the character string obtained by reading the information code included in the image. The program according to any one of Items 10 to 12. 10. The payment service specified from the plurality of payment services can be specified as a payment service used for payment by analyzing a feature included in the image that can identify the payment service. The program according to any one of 13 to 13. It is an information processing method executed by an information processing device.
Steps to take an image containing the information code used for payment,
A step of displaying information related to one payment service identified from a plurality of payment services based on the image, and
If the specified payment service is the first payment service, a step of transmitting the payment information included in the information code to the first information processing device corresponding to the first payment service, and
If the specified payment service is a second payment service, an information processing method including a step of transmitting payment information included in the information code to a second information processing device corresponding to the second payment service. It is an information processing device
An image acquisition unit that captures an image containing an information code used for payment,
A display unit that displays information related to one payment service identified from a plurality of payment services based on the image, and a display unit.
If the specified payment service is the first payment service, the payment information included in the information code is transmitted to the first information processing device corresponding to the first payment service, and the specified payment service is the second payment. In the case of a service, an information processing device having a payment processing unit for transmitting payment information included in the information code to a second information processing device corresponding to the second payment service.

Images