JP2021189459A - Code payment confirmation support system, code payment confirmation support method, and program - Google Patents

Abstract

To provide a code payment confirmation support system which allows a store clerk to easily determine whether a payment completion window displayed on a portable terminal like a smartphone of a customer is authentic or forged, that is, whether payment processing has been actually completed or not by confirming the payment completion window.SOLUTION: The code payment confirmation support system of the present invention is used in a code payment system which, upon the completion of price payment by electronic money, a payment completion window displayed on a terminal of a payer customer and generated by a payment service provider is observed to confirm the completion of the price payment, and the code payment confirmation support system comprises: an authenticity confirmation information generation unit which generates authenticity confirmation information proving that the payment completion window is a formal window generated by the payment service provider; and an information combination unit which gives the authenticity confirmation information to payment information including the payment completion window to generate payment confirmation support information to be transmitted to the terminal.SELECTED DRAWING: Figure 1

Description

The present invention relates to a code payment confirmation support system, a code payment confirmation support method and a program.

In recent years, cashless payments have been promoted, and electronic payments (code payments) using identification codes have been used in situations such as payment of fees at convenience stores, supermarkets, and stores such as drug stores and restaurants.
Further, there are currently two types of code payment, a CPM (Customer Presented Mode) method and an MPM (Merchant Presented Mode) method.
In the CPM method, the identification code displayed on the display screen of the customer's smartphone (or mobile terminal including a tablet terminal) is read by a reader connected to the store terminal and linked (corresponded) to the customer's electronic device. A fee (settlement fee) for settlement to an account registered in advance by the store with the settlement operator is paid from the money account (see, for example, Patent Document 1).

On the other hand, in the MPM method, the customer reads the identification code printed in advance by the store or displayed on the display screen of the store terminal with a smartphone, inputs the payment fee in a predetermined field, and sends the payment. The settlement fee is paid from the electronic money account registered with the company to the account of the store linked to the identification code.
The MPM method is used in many stores because it is possible to process electronic money payments simply by presenting the identification code at the store, for example, by placing a printed matter of the identification code, and it can be introduced more easily than the CPM method. Has been done.

Japanese Unexamined Patent Publication No. 2007-299316

However, in the case of the MPM method, only communication between the customer's smartphone and the payment business operator is performed, and communication related to payment is not performed between the store terminal and the payment business operator's account management system.
For this reason, in the MPM method, in most cases, the clerk confirms the completion of the payment process in the payment of the price of the product by visually observing the payment completion screen displayed on the customer's smartphone.
Therefore, by abusing this system, the payment application on the smartphone is forged, and the payment is disguised as if it was paid without any communication between the customer's smartphone and the payment operator. There is a possibility that a criminal act may occur in which the completion screen is displayed and the payment is avoided.

It is possible for the clerk to check the result of the payment process by making an inquiry to the payment business operator based on the payment number or by browsing the payment status on the Internet using the account given in advance to the store by the payment business operator.
However, since it takes time and effort to ask the customer for the payment number and to prepare an environment for confirming the result of the customer's payment processing, most stores do not actually perform the above confirmation work. Is.

The present invention has been made in view of such a situation, and when the clerk confirms the payment completion screen displayed on the mobile terminal such as the customer's smartphone, is the displayed payment completion screen genuine? Alternatively, the present invention provides a code payment confirmation support system, a code payment confirmation support method, and a program that can easily determine whether or not the payment process is actually completed.

In order to solve the above-mentioned problems, the code payment confirmation support system of the present invention completes the payment generated by the payment business operator displayed on the terminal of the customer who makes the payment when the payment of the payment by electronic money is completed. It is a code payment confirmation support system used in the code payment method that confirms the completion of payment by observing the screen, and proves that the payment completion screen is a legitimate screen generated by the payment business operator. An authenticity confirmation information generation unit that generates authenticity confirmation information, and an information synthesis unit that assigns the authenticity confirmation information to payment information including the payment completion screen and generates payment confirmation support information to be transmitted to the terminal. It is characterized by having and.

In the code payment confirmation support system of the present invention, the authenticity confirmation information generation unit generates the authenticity confirmation information in correspondence with the payment-related information which is the information related to the payment including the information notified on the payment completion screen. It is characterized by.

The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information includes voice output of notification information different for each payment, including at least the amount to be settled in the payment-related information related to the payment. ..

The code payment confirmation support system of the present invention further includes a material data table showing a correspondence relationship between predetermined selection information and the authenticity confirmation information, and the authenticity confirmation information generation unit refers to the material data table and said the above. It is characterized in that the authenticity confirmation information corresponding to the selection information obtained from the payment-related information related to the payment is extracted.

The code payment confirmation support system of the present invention is characterized in that the selection information is data of items of time and day of the week in the payment-related information.

The code payment confirmation support system of the present invention is characterized in that the selection information is a calculated value obtained by a predetermined logic from numerical data in each item of the payment-related information.

The code payment confirmation support system of the present invention is characterized in that the selection information is different for each of the payment business operator and the store.

The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information is information that makes the display form of the payment completion screen different for each selection information.

The code payment confirmation support system of the present invention is characterized in that the authenticity confirmation information is information that displays each of the payment-related information on the payment completion screen in a different font depending on the selection information.

In the code payment confirmation support method of the present invention, when the payment of the payment by electronic money is completed, the payment completion screen generated by the payment business operator displayed on the terminal of the customer who performs the payment is observed, and the payment is made. It is a code payment confirmation support method used in the code payment method for confirming the completion of payment, and the authenticity confirmation information generation unit proves that the payment completion screen is a legitimate screen generated by the payment business operator. The authenticity confirmation information generation process for generating confirmation information and the information synthesis unit add the authenticity confirmation information to the payment information including the payment completion screen and generate the payment confirmation support information to be transmitted to the terminal. It is characterized by including an information synthesis process.

When the payment of the payment by electronic money is completed, the program of the present invention observes the payment completion screen generated by the payment business operator displayed on the terminal of the customer who makes the payment, and completes the payment of the payment. It is a program that operates a computer as a code payment confirmation support system used in the code payment method to be confirmed, and confirms the authenticity of the computer to prove that the payment completion screen is a legitimate screen generated by the payment business operator. A program for generating authenticity confirmation information for generating information, a program for adding the authenticity confirmation information to payment information including the payment completion screen, and operating as an information synthesis means for generating payment confirmation support information to be transmitted to the terminal. Is.

As described above, according to the present invention, when the clerk confirms the payment completion screen displayed on the mobile terminal such as the customer's smartphone, the displayed payment completion screen is genuine or forged. It is possible to provide a code payment confirmation support system, a code payment confirmation support method, and a program that can easily determine whether or not the payment process is actually completed.

It is a block diagram which shows the structural example of the code payment system using the code payment confirmation support system by 1st Embodiment of this invention. It is a figure which shows the example of the payment completion screen generated by the account management system of the payment company displayed on the display screen of a user terminal. It is a sequence diagram which shows the operation example of the payment processing in the electronic money payment system using the code payment confirmation support system 300 according to this embodiment. A configuration example of a rule table and a material data table stored in the material information storage unit 304 of the code payment confirmation support system is shown. It is a figure which shows an example of the settlement completion screen to which the authenticity confirmation information is added by this embodiment. Another configuration example of the material data table stored in the material information storage unit 304 of the code payment confirmation support system in the present embodiment is shown.

<First Embodiment>
Hereinafter, the first embodiment of the present invention will be described with reference to the drawings.
FIG. 1 is a block diagram showing a configuration example of a barcode (including a two-dimensional bar code) payment system using a card management system according to the first embodiment of the present invention. In FIG. 1, the code payment system 1 includes user terminals 100_1 to 100_n, an account management system 200, and a code payment confirmation support system 300, respectively.
In the code payment system 1, each of the user terminal 100, the account management system 200, and the code system 300 is connected by an information communication network 500 including the Internet.

In the present embodiment, the authenticity confirmation information used for confirming that the payment completion screen in the MPM method is "a (true) image normally generated by the payment operator at the timing when the payment is completed" is used. Explain as voice. The code payment confirmation support system 300 indicates that when the payment completion screen is displayed on the display screen of the user terminal 100 in advance, the store clerk outputs (speaks) the payment amount on the payment completion screen by voice. Is notified and recognized in advance by the business entity that operates the system.

Therefore, when the clerk confirms the payment completion screen presented by the customer, if the displayed payment amount is output by voice, the confirmed payment completion screen is normal, that is, the payment is truly completed. At that time, it can be confirmed that the screen is created by the payment operator. On the other hand, when the clerk confirms the payment completion screen presented by the customer, if the displayed payment amount is not output by voice, the confirmed payment completion screen is non-regular, that is, the payment is truly completed. It can be confirmed that the image is not generated by the payment company.

The user terminal 100_1 includes a data input / output unit 101, an identification code reading unit 102, a payment control unit 103, a display unit 104, a voice output unit 105, and a storage unit 106. The other user terminal 100_n has the same configuration as the user terminal 100_1. For example, a program of an application for performing code payment is installed in the user terminal 100, and when this application is started, the operation of each part of the user terminal 100 is executed.
The data input / output unit 101 transmits / receives data via the information communication network, and writes and stores the payment completion information supplied from the code payment confirmation support system 300 in the storage unit 106.

The identification code reading unit 102 reads the identification code presented by the store in the accounting (payment place) for paying the price at the store.
Here, the identification code is read by a printed matter on which the identification code is printed, or an image of the identification code displayed on the display screen of the register, a tablet terminal, or the like, by an image pickup device (not shown) mounted on the user terminal 100. It is done by imaging.
Then, the identification code reading unit 102 determines the type of the identification code, and extracts and acquires the captured identification code information.

Here, the identification code information includes at least the contract store information, the type of business, the transaction currency, the contract store name, the contract store location, the contract store zip code, and the check digit.
The contract store information is information (character string, etc.) for uniquely identifying the business operator, the brand, the store name, the display method of the identification code, etc., which has introduced the payment service provided by the payment business operator. The type of business is a classification according to the products handled as a business, such as clothing, food and drink, accommodation, and transportation. The transaction currency is the type of currency for settlement, such as yen, dollar, euro, and the like. The contract store name is the name of the contracted store. The contract store location is the address of the contracted store. The contract store zip code is the zip code of the contracted store. A check digit is a numerical value or symbol added according to a certain algorithm for detecting an error in a sequence such as a payment amount or preventing forgery.

When the application is started, the payment control unit 103 displays a display prompting the reading of the identification code on the display unit 104.
Further, in the payment control unit 103, when the identification code reading unit 102 acquires the identification code information, the customer inputs the amount of money (settlement amount) to be settled to the display unit 104, and the customer sends the coupon or points to the store. Display an information input field to reduce the amount actually paid.
Then, the payment control unit 103 inputs the payment request information by inputting the numerical value of the payment amount in the amount input field and also inputting the information when the coupon or points are used. Output to the management system 200.

Here, the payment request information includes at least a transaction category, an issuing company code, a terminal code, a store code, a terminal processing date, a terminal processing time, an approval number, a payment amount, and a payment amount.
The transaction category indicates the transaction type of the requested message to be sent, such as activation (request for opening a new trading account at the settlement company), deposit (request for charging electronic money to the transaction account), and withdrawal (transaction account). Settlement request using electronic money from), balance inquiry (request for inquiry of the amount of electronic money in the trading account) and cancellation (request to cancel each request of activation, deposit, withdrawal, balance inquiry).

The issuing company code is information (such as a sequence) registered in the account management system 200 for uniquely identifying a business operator who has introduced an electronic payment service using an identification code. The terminal code is information (such as a sequence) for uniquely identifying a user's transaction account given by a payment operator. The store code is a store code in the contract store information included in the identification code information read by the user terminal 100.

The terminal processing date is the date when the payment control unit 103 outputs the payment request information to the account management system 200. The terminal processing time is the time when the payment control unit 103 outputs the payment request information to the account management system 200. The approval number is a management number given by the account management system 200, and does not exist at the time of being output from the user terminal 100 to the account management system 200. The settlement amount is a sequence of numbers entered in the amount input field as the price of the product. The payment amount is the amount actually paid by the customer to the store, which is deducted from the payment amount by the amount equivalent to the use of coupons and points.

The display unit 104 is an image display device such as a color liquid crystal display.
The audio output unit 105 is a device such as a speaker that outputs audio.
In the storage unit 106, a program of an application that performs payment processing, reference information for identifying the type of identification code (identification code type), and the like are written.

The account management system 200 includes a data input / output unit 201, an account number management unit 202, an account balance management unit 203, and an account information storage unit 204.
The data input / output unit 201 transmits / receives data to / from each of the user terminal 100 and the code payment confirmation support system 300 via the information communication network 500.
The account number management unit 202 extracts the terminal code of the user terminal 100 from the payment request information supplied from the user terminal 100.

Then, the account number management unit 202 refers to the terminal code (hereinafter, reference terminal code) in the account table of the account information storage unit 204, and detects the same reference terminal code as the extracted terminal code (hereinafter, extracted terminal code). Determine if it can be done.
Here, when the same reference terminal code as the extracted terminal code is detected in the account table, the account number management unit 202 authenticates as a user who has an account and can use the payment process in the user authentication. On the other hand, if the reference terminal code same as the extraction terminal code is not detected, the account number management unit 202 does not have an account in the user authentication and does not authenticate as a user who can use the payment process.

The account balance management unit 203 manages the amount (balance) of electronic money stored corresponding to the reference terminal code in the account table, for example, deposit (amount addition) processing, withdrawal (amount subtraction) processing, and confirmation of the amount. Perform processing and so on.
Further, when the withdrawal processing of the payment amount is normally completed, the account balance management unit 203 assigns an approval number assuming that the payment processing is completed, and transmits the payment completion information to the code payment confirmation support system 300. The settlement completion information includes a settlement completion screen indicating that the settlement has been completed, which is output to the user terminal 100 generated by the account balance management unit 203 for each settlement.

Here, the payment completion information includes at least the issuing company code, the terminal code, the store code, the terminal processing date, the terminal processing time, the approval number, the payment amount, and the payment amount as payment-related information, and the payment is completed. It includes image data of the payment completion screen indicating that the payment has been completed.

The issuing company code is information (such as a sequence) registered in the account management system 200 for uniquely identifying a business operator who has introduced an electronic payment service using an identification code. The terminal code is information (such as a sequence) for uniquely identifying a user's transaction account given by a payment operator. The store code is a store code in the contract store information included in the identification code information read by the user terminal 100.

The terminal processing date is the date when the payment control unit 103 outputs the payment request information to the account management system 200. The terminal processing time is the time when the payment control unit 103 outputs the payment request information to the account management system 200. The approval number is a management number given by the account management system 200 in response to a transaction. The settlement amount is a sequence of numbers entered in the amount input field as the price of the product. The payment amount is a sequence showing the amount actually paid to the store by the customer, which is deducted from the payment amount by the amount equivalent to the use of coupons and points.

FIG. 2 is a diagram showing an example of a payment completion screen generated by an account management system of a payment business operator displayed on a display screen of a user terminal.
In FIG. 2, for example, each of the character image 601, the character image 602, the character image 603, and the character image 604 is displayed on the display screen 104S of the display unit 104.
The character image 601 is an image of a character string indicating the completion of payment, such as "payment completed" indicating that the code payment process using electronic money has been completed normally.
Here, the settlement amount "1,234 yen" read out by voice is displayed on the character image 603. As shown in the character image 604, the payment amount is 100 yen (100P) of the usage points for the payment amount of "1,234 yen", and 500 yen of the coupon usage is used. It will be "634 yen".

Further, the character image 602 is an image of a character string indicating the store name in the payment completion information.
The character image 603 is an image of a character string indicating the payment amount in the payment completion information.
The character image 603 is a character string showing information associated with the payment, such as the number of points used in the payment, the amount of the coupon used, the number of points earned in the payment, and the transaction date and time (terminal processing date, terminal processing time). It is an image of.

In the account information storage unit 204, the above-mentioned account table in which the terminal code and the balance of electronic money are associated with each other is written and stored.

The code payment confirmation support system 300 includes a data input / output unit 301, an authenticity confirmation information generation unit 302, an information synthesis unit 303, and a material information storage unit 304, respectively.
The data input / output unit 301 transmits / receives data to / from each of the user terminal 100 and the account management system 200 via the information communication network 500.

The authenticity confirmation information generation unit 302 generates authenticity confirmation information for proving that the settlement completion screen is a screen officially created by the account management system 200 of the settlement operator.
In the present embodiment, the authenticity confirmation information is voice data of the payment amount in the payment-related information.
Therefore, the authenticity confirmation information generation unit 302 uses the voice synthesis engine (program) and the sound source stored in the material information storage unit 304 to determine the payment amount (corresponding to the character image 603 in FIG. 2) included in the payment completion information. Generates voice data that reads out numbers.
The settlement amount is information that differs for each settlement in the store used, and is not fixed information as a template like the character image 601 and the character image 602.

In addition, the payment amount is not finally decided until the product is settled, and it is difficult to prepare voice data in advance. Therefore, the store clerk reads out the payment amount by voice. If it cannot be confirmed, it can be recognized that the payment completion screen is not created properly.
Furthermore, in the case of synthesized voice, it is recognized that it is different from the voice generated by the combination of other voice synthesis engines and sound sources because the frequency and intonation of the voice generated by the voice synthesis engine and the type of sound source are characteristic. It is also possible to do.

The information synthesis unit 303 synthesizes the above voice data as authenticity confirmation information with respect to the payment completion information including the payment completion screen supplied from the account management system 200, and generates payment confirmation support information.
Then, the information synthesis unit 303 outputs the generated payment confirmation support information to the user terminal 100 via the data input / output unit 301.

FIG. 3 is a sequence diagram showing an operation example of payment processing in a code payment system using the code payment confirmation support system 300 according to the present embodiment.
Step S101:
When a customer selects a product to be purchased in a store and makes a payment for the product to be purchased by code payment at a payment place where the payment for the store is made, the customer activates an application for making the payment.

Then, the customer installs in the vicinity of a register (for example, a POS (point of sales system) register) that performs accounting processing at the payment place according to an instruction on the activation screen displayed on the display unit 104 of the user terminal 100 by the payment control unit 103. The identified identification code (printed matter or an image displayed on a register or a display screen of a tablet terminal) is imaged by an image pickup device mounted on the user terminal 100.
As a result, the identification code reading unit 102 determines the type of the identification code and acquires the information corresponding to the imaged identification code type.

Step S102:
When the identification code information is acquired, the payment control unit 103 includes an amount input field for inputting a payment amount as the price of the product, coupon usage information (information indicating the amount of payment using the coupon among the payment amounts), and An information input field for reducing the amount actually paid by the customer to the store, such as point usage information (information indicating the amount of payment using points among the payment amounts), is displayed on the display unit 104 of the user terminal 100. ..
The customer inputs the amount displayed in the cash register of the store in the amount input field displayed on the display unit 104 of the user terminal 100. In addition, when using coupons, points, etc., the customer also inputs such information in a predetermined input field.

Step S103:
The payment control unit 103 sends payment request information including the payment amount entered in the amount input field and the payment amount deducted from the payment amount by the amount equivalent to the use of coupons and points to the account management system 200 as a data input / output unit. Output via 101.

Step S104:
The account number management unit 202 extracts the terminal code from the payment request information input via the data input / output unit 201.
Then, the account number management unit 202 refers to the authentication table in the account information storage unit 204, and searches for and confirms the presence or absence of the same reference terminal code as the extracted terminal code which is the extracted terminal code.

At this time, when the reference terminal code same as the extraction terminal code is detected in the account table of the account information storage unit 204, the account number management unit 202 processes that the extraction terminal code is registered and the account exists. To step S105Y.
On the other hand, if the reference terminal code same as the extraction terminal code is not detected in the account table of the account information storage unit 204, the account number management unit 202 processes the process assuming that the extraction terminal code is not registered and the account does not exist. Proceed to step S105N.

Step S105Y:
The account number management unit 202 requests the account balance management unit 203 to update the balance according to the payment amount in the payment request information.
As a result, the account balance management unit 203 reads out the balance corresponding to the same reference terminal code as the extraction terminal code from the account table of the account information storage unit 204.
Then, the account balance management unit 203 compares the balance corresponding to the reference terminal code with the payment in the payment request information, and determines whether or not the balance of the account is equal to or greater than the payment amount.

At this time, if the balance of the account is equal to or greater than the payment amount, the account balance management unit 203 subtracts the payment amount from the balance corresponding to the detected reference terminal code and overwrites the subtraction result as a new balance in the account table. And update the amount.
Further, when the transaction category in the settlement request information is "withdrawal", the account balance management unit 203 proceeds to step 106Y, and when the transaction category is other than "withdrawal", the process proceeds to step S107.
On the other hand, when the balance of the account is less than the payment amount, the account balance management unit 203 processes without subtracting the settlement amount from the balance corresponding to the detected reference terminal code, that is, without updating the balance of the account table. To step 106N.

Step S105N:
Since the reference terminal code matching the extraction terminal code is not in the account management table, the account number management unit 202 notifies the user terminal 100 that the terminal code is not registered.

Step S106Y:
The account balance management unit 203 generates a payment completion screen, which is output to the user terminal 100 and indicates that the payment has been completed.
Then, the account balance management unit 203 assigns an approval number to the completed payment process, and transmits the payment completion information including the payment completion screen to the code payment confirmation support system 300.

Step S106N:
Since the balance in the account management table is less than the payment amount, the account balance management unit 203 tells the user terminal 100 that the account corresponding to the user terminal of the user terminal 100 has insufficient balance for the payment amount. Make a notification to indicate.

Step S107:
The account balance management unit 203 generates a payment completion screen indicating that the payment has been completed, and transmits the payment to the user terminal 100.

Step S108:
The authenticity confirmation information generation unit 302 generates voice data that reads out the number of the payment amount included in the payment completion information by the voice synthesis engine and the sound source stored in the material information storage unit 304, and uses it as the authenticity confirmation information.

Step S109:
The authenticity confirmation information synthesis unit 302 synthesizes the settlement completion information including the settlement completion screen supplied from the account management system 200 and the authenticity confirmation information of the generated voice data to generate the settlement confirmation support information.

Step S110:
The information synthesis unit 303 outputs the generated payment confirmation support information to the user terminal 100 via the data input / output unit 301.

Step S111:
The payment control unit 103 acquires the payment confirmation support information supplied from the code payment confirmation support system 300 via the data input / output unit 101.
Then, the payment control unit 103 displays the payment completion screen in the payment confirmation support information on the display screen of the display unit 104, and outputs the voice data of the payment amount as voice from the voice output unit 105.

The store clerk confirms the notification indicating that the payment has been completed by the payment completion screen displayed on the display screen of the user terminal 100 and the payment amount output as voice.
At this time, the store clerk receives a voice notification of the payment amount together with the payment completion screen, so that the confirmed payment completion screen is displayed as normal, that is, when the payment is truly completed. be able to.
On the other hand, the store clerk displays the payment completion screen, but if there is no voice notification of the payment amount, the confirmation payment completion screen is a non-genuine, that is, a forged screen is displayed. You can check.

According to the present embodiment, according to the above-described configuration, voice is added to the payment completion screen as authenticity confirmation information for confirming that the payment completion screen is legitimate, and the clerk displays the regular payment completion screen. Since it is recognized in advance that the voice of the payment amount will be output at that time, if the displayed payment amount is output by voice when the payment completion screen is displayed, the payment completed presented by the customer. It is possible to confirm that the screen is properly generated by the account management system, that is, it is the payment completion screen displayed when the payment is truly completed, and it is fraudulent due to forgery of the payment completion screen in the MPM method. It is possible to easily confirm the payment processing.

Further, according to the present embodiment, when voice data is added to the payment completion screen and the payment completion screen is displayed on the user terminal 100, only the voice is output from the user terminal 100, and the payment completion screen is displayed. Since the authenticity can be confirmed, it is not necessary to install new equipment in the store, and it can be used inexpensively and easily.

Further, in the present embodiment, the code payment confirmation support system 300 and the account management system 200 have been described as different configurations, but the account management system 200 may be configured to include the functions of the code payment confirmation support system 300.

<Second embodiment>
Hereinafter, the second embodiment of the present invention will be described with reference to the drawings. The code payment confirmation support system of the second embodiment has the same configuration as the code payment confirmation support system 300 according to the first embodiment shown in FIG. Hereinafter, the operation of the code payment confirmation support system according to the second embodiment, which is different from the first embodiment, will be described.
The code payment confirmation support system according to the second embodiment responds to the difference in the payment-related information included in the payment completion information at the time of payment with respect to the operation of outputting the payment amount by voice in the first embodiment. Generate different authenticity confirmation information.

FIG. 4 shows a configuration example of a rule table and a material data table stored in the material information storage unit 304 of the code payment confirmation support system.
FIG. 4A shows a configuration example of the rule table, and FIG. 4B shows a configuration example of the material table.
In the rule table of FIG. 4A, if each of the payment-related information included in the payment completion information at the time of payment is defined as condition information, the selection information is the condition information registered in advance in the code payment confirmation support system 300. Information (sequence) determined from a combination (hereinafter referred to as a condition combination). Further, in the material table of FIG. 4B, the authenticity confirmation information registered in the code payment confirmation support system 300 (or an index indicating a storage area in which the type of authenticity confirmation information and the data file of the authenticity confirmation information are stored). The relationship between the information and the information corresponding to the authenticity confirmation information (hereinafter referred to as selection information) is described.

The condition information includes, for example, the issuing company code, store code, terminal code, date when payment is made (including terminal processing date and day of the week), time zone (terminal processing time), payment approval number, and predetermined information. It is a numerical value obtained by a calculation formula. When the condition combination in the rule table is only the day of the week, the number of records in the material table is 7 because the selection information is set for each of Sunday to Saturday.

Further, when the condition combination is only in the time zone, for example, the selection information is switched every 1 hour in a 24-hour cycle, or the selection information is switched every 3 hours. When the selection information is switched every hour in a 24-hour cycle, the number of records in the material data table is one.
Further, the selection information is any, a combination, or all of the issuing company code, the store code, the terminal code, the terminal processing date, the terminal processing time, the approval number, and the like, and can be arbitrarily set.

As the authenticity confirmation information, the display form of the payment completion screen including the image (still image, moving image (live image, animation, etc.)), a predetermined character string, and the font of the character image on the payment completion screen is different as the data type. Any material may be used as long as it has a characteristic that the store clerk can easily detect the authenticity confirmation information such as information and the voice in the first embodiment.
As still images, there are multiple types of images such as dogs, cats, horses, and castles. Further, as the moving image, there are a plurality of types of images such as a car running and a windmill turning. As a character string, there are multiple types of character images such as "We are waiting for your next visit" and "Thank you for your purchase".
In the case of voice, there are a plurality of types of voice data having different frequencies and intonations such as adult men, women, children's boys, and girls.

FIG. 5 is a diagram showing an example of a payment completion screen to which authenticity confirmation information according to the present embodiment is added. In FIG. 5, the authenticity confirmation information display area 605 is added to the payment completion screen of FIG. The authenticity confirmation information display area 605 is used when the authenticity confirmation information is a still image, a moving image, or a predetermined character string. Not used if the authenticity information is voice.
When the authenticity confirmation information is a font, a font of any one of the character image 601 to the character image 604 or a combination thereof is set.

The authenticity confirmation information generation unit 302 acquires condition information corresponding to the settlement from the settlement completion information. When the condition information is set by the day of the week, the authenticity confirmation information generation unit 302 uses the day of the week on which the settlement is performed as the condition information.
Then, the authenticity confirmation information generation unit 302 refers to the material data table of the material information storage unit 304, and when the condition combination is Tuesday, the selection information corresponding to Tuesday, for example, reading image data or reading audio data. Performs processing such as generation.
When the authenticity confirmation information is an image, the information synthesis unit 303 displays the authenticity confirmation information display area 605 of FIG. 5 on the settlement completion screen of FIG. 2 supplied from the account management system 200. Combine application confirmation information and generate payment confirmation support information.

FIG. 6 shows another configuration example of the material data table stored in the material information storage unit 304 of the code payment confirmation support system in the present embodiment.
In FIG. 6, as a combination of conditions, each condition information of the issuing company code, the store code, the terminal code, and the display time zone is set. As the selection information, 24 types from the authenticity confirmation information "1" to the authenticity confirmation information "24" are set in the lower column of the "selection information in each time zone" corresponding to each time zone. ..
The issuing company code is the same as the issuing company code in the payment completion information, and is information for uniquely identifying the business operator that has introduced the payment service provided by the payment business operator. The store code is the same as the store code in the payment completion information, and is information for uniquely identifying the store. The time zone is set to every hour.
Further, the terminal code may be used as a condition in the above-mentioned combination of conditions. This terminal code is set as a sequence of the first three digits of the terminal code in the payment completion information.

In FIG. 6, the condition combination is set as a configuration of a combination of condition information different for each issuing company.
For example, in the issuing company code "12345667", selection information is set corresponding to each combination of the store code, the terminal code, and the time zone. Furthermore, the correspondence between the time zone and the selection information is set in a 24-hour cycle so that the selection information corresponding to the time zone is not the same for each combination of the parameters of the store code and the terminal code for each terminal code. ing.
The setting of the selection information in the issuing company code "12345667" is an example set as the highest security level because the authenticity confirmation information corresponding to the selection information differs depending on the user terminal at the same store and at the same time.

Further, in the issuing company code "23456878", selection information is set corresponding to each combination of the store code and the time zone condition. Further, different selection information is set for each store code in a 24-hour cycle in the same time zone divided every hour.
Further, every hour, selection information is set for each of the issuing company codes "3456789" and "4567890" corresponding to the combination of conditions for each time zone. Therefore, the same selection information is set in a 24-hour cycle regardless of the difference in the store code or the terminal code in the same time zone divided every hour.

As shown in FIG. 6 described above, when the rules of the condition combination are different for each issuing company (the company that has introduced the payment service provided by the payment company), the conditions as parameters constituting the condition combination. Since the information is recognized only by the issuing company, the payment operator, and the management company of the code payment confirmation support system 300 (or the system operator in the management company), it is possible to improve the security level.
In addition, by changing the rules on a regular basis (for example, every month) and changing the correspondence between the condition combination and the selection information, code payment confirmation support is maintained while maintaining high security on a regular basis. It is possible to operate the system 300.

The authenticity confirmation information generation unit 302 extracts the issuing company code in the settlement completion information and refers to the rule table stored in the material information storage unit 304.
Then, the authenticity confirmation information generation unit 302 reads out the type of condition information as a parameter constituting the condition combination in the issuing company code, and extracts the corresponding parameter from the settlement completion information.
The authenticity confirmation information generation unit 302 generates a condition combination for reading selection information corresponding to the user terminal 100 for making a payment by combining the extracted parameters.

The authenticity confirmation information generation unit 302 refers to the rule table, reads out and acquires the selection information corresponding to the generated condition combination, then reads out the authenticity confirmation information corresponding to the selection information from the material table, and sends it to the information synthesis unit 303. offer.
Then, the information synthesis unit 303 adds the authenticity confirmation information provided by the authenticity confirmation information generation unit 302 to the settlement completion information or reflects it on the settlement completion screen in the settlement completion information to generate the settlement completion support information.
The information synthesis unit 303 outputs the generated payment completion support information to the user terminal 100.

In the present embodiment, the authenticity confirmation information added to the above-mentioned payment completion information or reflected on the payment completion screen in the payment completion information is provided to each store in advance.
In FIGS. 4 and 6, for example, when the condition information as a parameter constituting the condition combination is a day of the week or a time zone, the information indicating what kind of authenticity confirmation information is set for the day of the week or the time zone is Each of the stores operating the code payment system is notified in advance.
As an example, it is described in a state where each store that receives the service of the code payment confirmation support system can confirm the information of each of the image, the character string, and the voice, which is the authenticity confirmation information corresponding to each day of the week of the condition information. Files etc.

As an example of the above file, when the authenticity confirmation information is an image, it is a printed matter on which a condition combination and an image displayed corresponding to the condition combination are printed. When the authenticity confirmation information is a character string, it is a printed matter on which a condition combination and a character image displayed in the condition combination are printed. When the authenticity confirmation information is voice, it is a printed matter on which the condition combination and the characteristics of the voice generated in the condition combination (characteristics of female, male, female, male, etc.) are printed.
In addition, data indicating the correspondence between the condition information and the authenticity confirmation information in the above booklet is written on a recording medium such as a CD-ROM (compact disc read only memory), a DVD (digital versatile disc) memory, or a USB (universal serial bus) memory. Then, it may be distributed in advance to each of the stores receiving the service of the code payment confirmation support system 300 of the present embodiment.

Further, for the display screen of each terminal of the store, the information synthesis unit 303 is added to the image data of the payment completion screen according to the current timing corresponding to the material data tables of FIGS. 4 and 6. It may be configured to display the authenticity confirmation information.

Further, the store clerk reads the image of the payment completion screen displayed on the display screen of the user terminal 100 by a predetermined terminal, and outputs the read image (captured image) to the code payment confirmation support system 300. Then, the information synthesis unit 303 performs image recognition of the captured image supplied from the terminal of the store, detects whether or not the image (or character image) is based on the authenticity confirmation information at the current timing, and determines the result. It may be configured to reply to the terminal of the store.

An example of the case where the selection information is calculated from the mathematical formula using the condition information as the parameter constituting the condition combination will be described below.
The condition information includes a card issuing company code, a store code, a terminal code, a terminal processing date, and a terminal processing time.
The authenticity confirmation information generation unit 302 extracts each of the first three digits of the card issuing company code, the store code and the terminal code, and the first four digits of the terminal processing date and the terminal processing time from the settlement completion information.

Then, the authenticity confirmation information generation unit 302 adds the respective numerical values of the first three digits of the card issuing company code, the store code and the terminal code, and the first four digits of the terminal processing date and the terminal processing time.
The authenticity confirmation information generation unit 302 divides the addition value obtained as a result of the addition by the total number of selection information registered in the material data table of the material information storage unit 304.
The authenticity confirmation information generation unit 302 adds "1" to the remainder (z) obtained as a result of division (z + 1), and calculates a calculated value (x = z + 1) to be used as selection information.

For example, the issuing company code is "12345667", the store code is "050", the terminal code is "121", and the terminal processing date is "20201077 (January 7, 2020)". When the terminal processing time is "214235 (21:42:35)", the added value is "21436987". Here, assuming that the total number of selection information in the material data table registered in the material information storage unit 304 is "24", "21436987/24" is calculated, the quotient is "893207", and the remainder (z) is. Since it is "19", the selection information is obtained as "20" by "19 + 1".

As a result, the authenticity confirmation information generation unit 302 refers to the material data table of the material information storage unit 304 in FIG. 4, and searches for and reads out the authenticity confirmation information corresponding to the selection information "20".
Only a person who is aware of the above-mentioned calculation logic can generate a correspondence between the selection information and the authenticity confirmation information.
Therefore, by changing the logic periodically, the correspondence between the selection information and the authenticity confirmation information is updated, and it is difficult to forge the authenticity confirmation information for determining the authenticity of the settlement completion screen, and the settlement is completed. Security can be improved by determining the authenticity of the screen.

According to the present embodiment, according to the above-described configuration, an image (still image, moving image, character image) or voice is displayed on the payment completion screen as authenticity confirmation information for confirming that the payment completion screen is legitimate. In addition, when the clerk displays the regular payment completion screen, the clerk knows in advance which authenticity confirmation information is given at that timing, so when the payment completion screen is displayed, By confirming the authenticity confirmation information on the displayed payment completion screen, it is possible to confirm whether or not the payment completion screen presented by the customer is properly generated in the account management system.

That is, according to the present embodiment, the payment completion currently confirmed is completed by confirming the payment completion screen on the display screen of the user terminal or by listening to the voice output when the payment completion screen is displayed. It is possible to confirm that the screen is displayed as a result of the true (actual) payment being completed, and the authenticity of the payment completion screen displayed in the payment processing in the MPM method, that is, the payment processing is performed. It is possible to easily confirm whether or not it has been performed normally.

For example, in a state where the authenticity confirmation information corresponding to the selection information set by the payment completion information is set in the moving image of the dog, the authenticity confirmation information display area on the payment completion screen displayed on the display screen 104S of the user terminal 100. When the moving image of the dog is confirmed in 605, the clerk can easily detect that the payment completion screen is true (it is a legitimate image generated by the payment operator).
On the other hand, in a state where the authenticity confirmation information corresponding to the selection information set by the payment completion information is set in the moving image of the dog, the authenticity confirmation information display area on the payment completion screen displayed on the display screen 104S of the user terminal 100. When a still image of a cat is observed in 605, the clerk can easily detect that the payment completion screen is false (not a legitimate image generated by the payment operator).

Further, in the present embodiment, the selection information is obtained according to a predetermined rule according to the parameters such as the issuing company code, the store code, the terminal code, the terminal processing date, and the terminal processing time included in the payment completion information. By adding the authenticity confirmation information set for each selection information to the payment completion screen, the authenticity confirmation information can be made different in response to changes in the condition information.
Therefore, according to the present embodiment, since different authenticity confirmation information is set for each payment timing, it becomes difficult for the customer to predict the authenticity confirmation information at the present time, and the payment completion screen is forged. Since it becomes difficult, it is possible to suppress the occurrence of people who try to avoid paying for the product by forging the payment completion screen.

On the other hand, according to the present embodiment, the store clerk is notified in advance which of the plurality of authenticity confirmation information is used, and the payment is made on the display screen 104S of the customer's user terminal 100. When the completion screen is displayed, whether or not the image corresponding to the authenticity confirmation information notified in advance is displayed in the authenticity confirmation information display area 605, or the voice corresponding to the authenticity confirmation information notified in advance is uttered. By confirming whether or not the payment has been made, it is possible to easily determine the authenticity of the payment completion screen displayed on the display screen 104S of the user terminal 100.

A program for realizing the function of the code payment confirmation support system 300 of FIG. 1 in the present invention is recorded on a computer-readable recording medium, and the program recorded on the recording medium is read into the computer system and executed. By doing so, the store clerk may perform a process of assisting the authenticity determination of the payment completion screen displayed on the display screen of the user terminal. The term "computer system" as used herein includes hardware such as an OS and peripheral devices.

Further, the "computer system" shall also include a WWW system provided with a homepage providing environment (or display environment). Further, the "computer-readable recording medium" refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, or a CD-ROM, and a storage device such as a hard disk built in a computer system. Furthermore, a "computer-readable recording medium" is a volatile memory (RAM) inside a computer system that serves as a server or client when a program is transmitted via a network such as the Internet or a communication line such as a telephone line. In addition, it shall include those that hold the program for a certain period of time.

Further, the program may be transmitted from a computer system in which this program is stored in a storage device or the like to another computer system via a transmission medium or by a transmission wave in the transmission medium. Here, the "transmission medium" for transmitting a program refers to a medium having a function of transmitting information, such as a network (communication network) such as the Internet or a communication line (communication line) such as a telephone line. Further, the above program may be for realizing a part of the above-mentioned functions. Further, a so-called difference file (difference program) may be used, which can realize the above-mentioned function in combination with a program already recorded in the computer system.

100_1,100_n ... User terminal 101,201,301 ... Data input / output unit 102 ... Identification code reading unit 103 ... Payment control unit 104 ... Display unit 105 ... Voice output unit 106 ... Storage unit 200 ... Account management system 202 ... Account number management Department 203 ... Account balance management department 204 ... Account information storage unit 300 ... Code payment confirmation support system 302 ... Authenticity confirmation information generation unit 303 ... Information synthesis department 304 ... Material information storage unit 500 ... Information and communication network

Claims (12)

A code payment method that confirms the completion of payment by observing the payment completion screen generated by the payment business operator displayed on the terminal of the customer who makes the payment when the payment by electronic money is completed. It is a code payment confirmation support system used,
An authenticity confirmation information generation unit that generates authenticity confirmation information proving that the settlement completion screen is a legitimate screen generated by the settlement operator, and
A code payment confirmation support system including an information synthesis unit that adds the authenticity confirmation information to payment information including the payment completion screen and generates payment confirmation support information to be transmitted to the terminal. The code payment according to claim 1, wherein the authenticity confirmation information generation unit generates the authenticity confirmation information in correspondence with the payment-related information which is the information related to the payment including the information notified on the payment completion screen. Confirmation support system. The first or second aspect of claim 1, wherein the authenticity confirmation information includes voice output of different notification information for each payment, including at least the amount to be settled in the payment-related information related to the payment. Code payment confirmation support system. Further provided with a material data table showing the correspondence between the predetermined selection information and the authenticity confirmation information.
Claim 1 or claim 1, wherein the authenticity confirmation information generation unit refers to the material data table and extracts authenticity confirmation information corresponding to the selection information obtained from the payment-related information related to the payment. Code payment confirmation support system described in 2. The code payment confirmation support system according to claim 4, wherein the selection information is data of items of time and day of the week in the payment-related information. The code payment confirmation support system according to claim 4, wherein the selection information is a calculated value obtained by a predetermined logic from the numerical data in each item of the payment-related information. The code payment confirmation support system according to any one of claims 4 to 6, wherein the selection information is different for each of the payment business operator and the store. The code payment confirmation support system according to any one of claims 4 to 7, wherein the authenticity confirmation information is information that makes the display form of the payment completion screen different for each selection information. .. The code payment confirmation according to any one of claims 4 to 8, wherein the authenticity confirmation information is information for displaying a different image for each selection information on the payment completion screen. Support system. The item according to any one of claims 4 to 8, wherein the authenticity confirmation information is information in which each of the payment-related information on the payment completion screen is displayed in a different font depending on the selection information. The code payment confirmation support system described. A code payment method that confirms the completion of payment by observing the payment completion screen generated by the payment business operator displayed on the terminal of the customer who makes the payment when the payment by electronic money is completed. It is a code payment confirmation support method used,
The authenticity confirmation information generation process in which the authenticity confirmation information generation unit generates authenticity confirmation information proving that the settlement completion screen is a legitimate screen generated by the settlement operator.
A code characterized by the information synthesis unit including an information synthesis process of adding the authenticity confirmation information to the payment information including the payment completion screen and generating payment confirmation support information to be transmitted to the terminal. Payment confirmation support method. A code payment method that confirms the completion of payment by observing the payment completion screen generated by the payment business operator displayed on the terminal of the customer who makes the payment when the payment by electronic money is completed. It is a program that operates a computer as a code payment confirmation support system used.
The computer
Authenticity confirmation information generation means, which generates authenticity confirmation information certifying that the settlement completion screen is a legitimate screen generated by the settlement operator.
A program that adds the authenticity confirmation information to the payment information including the payment completion screen and operates as an information synthesis means for generating payment confirmation support information to be transmitted to the terminal.

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