JP2021196726A - Settlement device, program, and information processing method - Google Patents

Abstract

To provide a settlement device, a program, and an information processing method that can confirm the identity of a customer, regardless of settlement means in a face-to-face transaction between the customer and a store, on the store side.SOLUTION: A settlement device, which is a settlement device that connects to a customer terminal of a customer or a store terminal of a store that sells products or provides services to the customer via a network, includes a settlement reception unit configured to receive a payment settlement request from the customer terminal or the store terminal, when paying for a transaction between the customer and the store, an output unit configured to output attributes and multiple coping methods for the transaction to the store terminal, with reference to a storage unit that stores attribute information indicating customer's attributes, when the settlement reception unit receives the settlement request, a selection reception unit configured to receive the selection of a coping method adopted by the store from the multiple coping methods, from the store terminal, and a settlement processing unit configured to perform processing for settlement of the payment based on the settlement request when the selected coping method meets a predetermined condition.SELECTED DRAWING: Figure 4

Description

The present invention relates to a payment device, a program, and an information processing method.

In recent years, even in stores that sell products or provide services to customers (hereinafter referred to as "product sales, etc.") face-to-face, various identity verification elements (knowledge, possessions, living organisms) are used to verify the identity. ing.

The following Patent Document 1 includes a customer's terminal (hereinafter referred to as "customer terminal") provided with a means for confirming the identity of the customer based on the customer's biological element (eye image information), and an in-store product management server. A shopping system with, is described. When the person authentication is successful in this user terminal, the payment instruction of the product to be purchased is confirmed.

Japanese Unexamined Patent Publication No. 2012-008346

In recent years, in face-to-face transactions between customers and stores, payment methods such as QR code (registered trademark) payments and mobile NFC payments using customer terminals (hereinafter referred to as "customer terminals") are often used. However, in the above-mentioned conventional technology, since the identity can be confirmed only on the customer terminal by such a payment means, it may be illegally broken through depending on the vulnerability of the customer terminal. In addition, with existing credit card payments, identity verification can be performed on the store side by signing or entering a password from the customer, but if security is taken into consideration and identity verification on the store side is mandatory, payment using the customer terminal as described above is required. Means become difficult to use.

Therefore, in view of the above problems, the present invention provides a payment device, a program, and an information processing method that can confirm the identity of a customer on the store side without using a payment method in a face-to-face transaction between a customer and a store. The purpose.

The payment device according to one aspect of the present invention is a payment device connected to a customer terminal of a customer or a store terminal of a store that sells products or provides services to the customer via a network, and is between the customer and the store. At the time of payment of a transaction, the payment reception unit accepts the payment request by referring to the payment reception unit that accepts the payment request from the customer terminal or the store terminal and the storage unit that stores the attribute information indicating the customer's attributes. At that time, an output unit that outputs multiple coping methods for attributes and transactions to the store terminal and a selection reception unit that accepts selection of the coping method adopted by the store from the multiple coping methods are selected from the store terminal. If the coping method satisfies a predetermined condition, a payment processing unit that performs processing for payment of payment based on a payment request is provided.

The program according to one aspect of the present invention is a transaction between the customer and the store to a computer connected to the customer terminal of the customer or the store terminal of the store that sells products or provides services to the customer via a network. When making a payment, the payment receiving function refers to a payment receiving function for receiving a payment request for the payment from the customer terminal or the store terminal and a storage function for storing attribute information indicating the attribute of the customer. An output function that outputs the attribute and a plurality of coping methods for the transaction to the store terminal when a payment request is received, and a coping method adopted by the store among the plurality of coping methods from the store terminal. A selection acceptance function for accepting the selection of the above and a settlement processing function for processing the payment based on the settlement request when the selected coping method satisfies a predetermined condition are realized.

In the information processing method according to one aspect of the present invention, a computer connected to a customer terminal of a customer or a store terminal of a store that sells products or provides services to the customer via a network is located between the customer and the store. When the payment request is received from the customer terminal or the store terminal at the time of payment of the transaction, and the payment request is received by referring to the storage unit that stores the attribute information indicating the attribute of the customer. , The attribute and a plurality of coping methods for the transaction are output to the store terminal, the store terminal accepts the selection of the coping method adopted by the store from the plurality of coping methods, and the selected coping method is received. If the method satisfies a predetermined condition, a process for settlement of the payment is performed based on the settlement request.

According to the present invention, it is possible to provide a payment device, a program, and an information processing method that can confirm the identity of a customer on the store side even in a payment using a customer terminal in a face-to-face transaction between a customer and a store.

It is a figure for demonstrating the system configuration example of the payment system which concerns on this Embodiment. It is a figure for demonstrating the outline of the payment system which concerns on this embodiment. It is a figure for demonstrating the outline of the payment system which concerns on this embodiment. It is a figure which shows an example of the functional structure of the payment apparatus which concerns on this embodiment. It is a figure which shows the operation example of the payment apparatus which concerns on this embodiment. It is a figure which shows an example of the hardware composition of the payment apparatus which concerns on this embodiment.

A preferred embodiment of the present invention (hereinafter referred to as “the present embodiment”) will be described with reference to the accompanying drawings. In each figure, those with the same reference numerals have the same or similar configurations.

In the present embodiment, the "part", "means", "device", and "system" do not simply mean physical means, but the "part", "means", "device", and "system". Including the case where the function of is realized by software. Further, even if the functions of one "part", "means", "device", or "system" are realized by two or more physical means or devices, two or more "parts" or "means", The functions of "device" and "system" may be realized by one physical means or device.

<1. System configuration>
A system configuration example of the payment system 1 will be described with reference to FIG.

The payment system 1 is a system for providing a payment service to a store and a customer of the store (hereinafter, simply referred to as "customer"). As shown in FIG. 1, the payment system 1 includes a payment device 100, a customer terminal 200 used by a customer, and a store terminal 300 used by a store.

The payment device 100, the customer terminal 200, and the store terminal 300 are connected to each other via the network N.

The network N is composed of a wireless network and a wired network. Examples of networks include mobile phone networks, PHS (Personal Handy-phone System) networks, wireless LAN (Local Area Network), 3G (3rd Generation), LTE (Long Term Evolution), 4G (4th Generation), and 5G (4th Generation). There are networks compliant with 5th Generation), WiMax (registered trademark), infrared communication, Bluetooth (registered trademark), wired LAN, telephone line, power line network, IEEE1394, and the like.

The payment device 100 is an information processing device capable of communicating with the customer terminal 200 and the store terminal 300. The payment device 100 is generated by selling products or providing services from a store to a user (hereinafter, also referred to as "product sales, etc.") in cooperation with a customer terminal 200 and a store terminal 300 by executing a predetermined program. It realizes a server function that controls the process for making payment payments (hereinafter, also simply referred to as "payment payments" or "payments").

The payment device 100 may provide, for example, a Web site (hereinafter, also referred to as “payment site”) for providing a payment service to a customer or a store as a Web server. The payment device 100 is accessible from the customer terminal 200 or the store terminal 300 by designating the URL of the payment site.

The customer terminal 200 is a terminal device such as a smartphone or a laptop that can input input such as acceptance of a payment request from a customer or communicate with a payment device 100 or a store terminal 300. By executing a predetermined program, the customer terminal 200 cooperates with the payment device 100 and the store terminal 300 to send and receive information regarding payment settlement, display a payment settlement screen, and accept customer requests. do.

The customer terminal 200 may, for example, install an application program (hereinafter, referred to as “customer application”) dedicated to the payment system 1 for customers.

The store terminal 300 is a terminal device for payment settlement installed in a store owned by a business operator. The store terminal 300 is, for example, a POS cash register terminal, a tablet terminal, a handy terminal, or the like, which has a barcode reader function.

The store terminal 300 may be provided with a POS cash register function such as accepting input of a product or service (hereinafter, also referred to as "product or the like") and calculating the total price (payment amount) of the received product or the like. .. Further, the store terminal 300 may realize the above-mentioned POS cash register function by installing an application program (hereinafter, referred to as “store application”) dedicated to the payment system 1 for stores. The above-mentioned POS cash register function may be realized, for example, by the processor 801 of the store terminal 300 described later executing the store application. Further, the store terminal 300 may be connected to a POS system (not shown) that manages information related to sales of products and the like in order to realize the above-mentioned POS cash register function.

<2. Overview>
The outline of the payment system 1 will be described with reference to FIGS. 2 and 3. In this example, as a transaction between a customer and a store, the store provides the customer with a product sale, and the customer pays the price to the store, but the purpose is not limited to this. In this example, the term "store" includes a store clerk.

In this example, for the sake of simplicity, the customer uses a user-presented (CPM (Consumer-Presented-Mode)) QR code as the payment method (hereinafter, also simply referred to as "code payment"). ) Shall be used, but the present invention is not limited to this. The payment system 1 can be used for various payment means such as mobile payment using NFC, card payment such as credit card payment, and electronic money payment.

(1) First, with reference to FIG. 2, the flow of the settlement service at the time of transaction between the customer and the store will be described. As shown in FIG. 2, the store provides the customer with product sales and the like. (2) The customer activates an application program (hereinafter, also referred to as "payment application") for making a code payment using the customer terminal 200 in order to pay for the product, etc., and displays the QR code on the screen. Let me. This payment application may be, for example, a customer application.

(3) The store terminal 300 reads the QR code displayed on the customer terminal 200, and transmits a payment request for payment of the above (2) to the payment device 100 based on the information contained in the QR code. do. Here, the "information included in the QR code" is, for example, payment identification information that identifies each payment, store identification information that identifies a store, customer identification information that identifies a customer, or information that indirectly identifies a customer. Etc. may be included. (4) When the payment device 100 receives the payment request for this payment, the payment device 100 acquires the attribute of the corresponding customer by referring to the attribute information stored in the storage unit 130 described later.

"Attribute information" is information indicating the attributes of the customer. Here, the "customer attribute" is information representing the nature and characteristics of the customer. The customer attribute may be, for example, customer information described later or information based on customer information. The customer attribute may be, for example, customer information that has been anonymously processed to make it difficult to identify the individual customer.

Specifically, the customer attributes are (A) age (for example, calculated from the customer's date of birth such as "30s"), (B) gender, (C) place of residence (for example, "resident in Osaka", etc.). Country / prefecture / mayor village level. Calculated from customer's address) may be included.

"Customer information" is information about a customer. Customer information may include, for example, customer identification information or so-called customer personal information such as customer name, phone number, address, email address, SNS account information, personal number (my number), gender or date of birth. good.

The customer information may include, for example, a customer's license number, a card number, and account information of an account held by the customer (for example, account type, account number, name, etc.).

The customer information may include, for example, biological information regarding the biological characteristics of the user (for example, user's facial image data, fingerprint information, eyeball iris information, voice print information, etc.).

(4) The payment device 100 compares the store evaluation and the customer evaluation, that is, performs a cross check, and adjusts the store evaluation based on the result of the cross check. Here, the "store evaluation" is an evaluation by the store for the customer. Further, here, "customer evaluation" is an evaluation by a customer for a store.

(5) The payment device 100 transmits (a) the customer's attributes and (b) the adjusted customer's store evaluation to the store terminal 300. (6) The store terminal 300 outputs the received attributes of the customer, the store evaluation, and a plurality of coping methods for the transaction on the screen.

"(Multiple) coping methods for transactions" refers to coping methods that can be taken for a customer when the store confirms the customer's attributes, store evaluation, etc. in a transaction between the customer and the store. The method of dealing with transactions (hereinafter, also simply referred to as “how to deal with”) may be appropriately set according to the form and size of the store. The coping method is, for example, at least one of (a) approving the transaction, (b) suspending the transaction for a certain period of time, (c) rejecting the transaction, or (d) evaluating the customer. May include. The "fixed period" may be, for example, a period until the identity of the customer can be confirmed.

(7) The store terminal 300 accepts from the store the selection of the coping method adopted by the store from among the plurality of coping methods.

Specifically, the store checks whether there is a gap between the customer attributes output on the screen and the actual customer. Based on the result of this check, the store selects the coping method to be adopted from the plurality of coping methods output on the screen. For example, if the store determines that there is no gap, select the countermeasure in (a) above, or if the store determines that there is a slight gap but does not immediately refuse the transaction, the above ( B) Select the coping method of (c), or if the store determines that the transaction cannot be continued due to a gap, select the coping method of (c) above. The store terminal 300 accepts these selections from the store via the screen.

(8) The store terminal 300 transmits the result of the selection in (7) above to the payment device 100. The payment device 100 accepts the result of this selection.

(9) When (a) is selected in (7) above, the payment device 100 requests the customer terminal 200 or the store terminal 300 to confirm the identity of the customer in order to confirm the identity of the customer. The payment device 100 may request the customer terminal 200 to confirm the identity via, for example, the store terminal 300. The payment device 100 receives a response to these identity verification requests.

(10) The payment device 100 processes for payment settlement when (a) of (7) above is selected, or when (b) of (7) above is selected and the identity of the customer can be confirmed. I do.

(1) Next, with reference to FIG. 3, the flow of the settlement service after the transaction between the customer and the store will be described. As shown in FIG. 3, after the transaction, the store and the customer mutually input their respective evaluations into the customer terminal 200 and the store terminal 300. The customer terminal 200 and the store terminal 300 each receive the input evaluation. (2) The customer terminal 200 and the store terminal 300 transmit their respective evaluations to the payment device 100. The payment device 100 receives each transmitted evaluation.

(3) The payment device 100 registers a new record or updates an existing record in each of the store evaluation information and the customer evaluation information for the evaluation received in (2) above.

The "store evaluation information" is information indicating the evaluation of the customer by the store (hereinafter, also referred to as "store evaluation"). The store evaluation may be, for example, an evaluation by each clerk of the store. The store evaluation information may include, for example, the actual results of store evaluation in a predetermined period (for example, a period of the past 3 months or the past 1 year).

The "customer evaluation information" is information indicating the evaluation of the store by the customer (hereinafter, also referred to as "customer evaluation"). Customer evaluation information, for example, the actual customer evaluation in a predetermined period may be included.

(4) The payment device 100 gives incentives to each of the customer and the store based on the received evaluation. Specifically, the payment device 100 transmits incentive information to each of the customer and the store. Here, "incentive information" is information indicating incentives given to each customer and store. Details of the incentive information will be described later. Further, the payment device 100 provides feedback to the store based on the received evaluation. Specifically, the payment device 100 transmits customer information of the store to the store terminal 300 and outputs the customer information to the screen of the store terminal 300.

According to the above configuration, in the face-to-face transaction between the customer and the store, the payment device 100 can confirm the identity of the customer by comparing the output attribute of the customer with the actual customer regardless of the payment method. .. Therefore, according to the above configuration, the payment device 100 can reduce the risk of spoofing in face-to-face transactions at the store. Further, according to the above configuration, the store can select the coping method adopted by the store from the plurality of output coping methods based on the result of the identity verification.

<3. Functional configuration>
The functional configuration of the payment apparatus 100 according to the present embodiment will be described with reference to FIG. As shown in FIG. 4, the payment device 100 includes a control unit 110, a storage unit 130, and a communication unit 140.

The control unit 110 includes a payment reception unit 111, an output unit 112, a selection reception unit 113, and a payment processing unit 114. The control unit 110 may include, for example, an evaluation reception unit 115, a calculation unit 116, a verification request unit 117, a verification reception unit 118, a verification unit 119, an adjustment unit 120, or a granting unit 121.

The payment receiving unit 111 receives a payment payment request from the customer terminal 200 or the store terminal 300 when paying for a transaction between a customer and a store.

The payment reception unit 111 may generate a QR code, for example, when a store-presented (MPM (Merchant-Presented-Mode)) QR code payment is used in the payment payment of the price of a product or the like. The payment reception unit 111 transmits the generated QR code to the store terminal 300. The store terminal 300 displays the received QR code on the screen and causes the customer terminal 200 to read it. The customer terminal 200 transmits a payment request for payment to the payment device 100 based on the information included in the read QR code. The payment device 100 accepts a payment request for this payment.

The output unit 112 refers to the storage unit that stores the attribute information, and when the payment reception unit 111 receives the payment request, outputs the customer's attributes and a plurality of coping methods for the transaction to the store terminal 300. The "storage unit" referred to here may be a storage unit 130 described later or a storage unit of an external device (hereinafter, the same shall apply). Further, the mode in which the output unit 112 outputs various information to the store terminal 300 may be any mode. For example, the output unit 112 transmits attribute information and coping method information to the store terminal 300, and displays a plurality of coping methods for customer attributes and transactions on the screen of the store terminal 300 via a store application or a payment site. It may be output. Here, the "countermeasure information" is information indicating a plurality of countermeasures.

According to the above configuration, in a face-to-face transaction between a customer and the store, the store can confirm the identity of the customer by comparing the output attribute of the customer with the actual customer regardless of the payment method. Therefore, according to the above configuration, it is possible to reduce the risk of spoofing in face-to-face transactions at the store. Further, according to the above configuration, the store can select the coping method adopted by the store from the plurality of output coping methods based on the result of the identity verification.

The coping strategies may include, for example, at least either rejecting the transaction or valuing the transaction.

For example, the output unit 112 may refer to a storage unit that stores store evaluation information and output the store evaluation of the customer of the transaction partner to the store terminal 300 when the payment reception unit 111 receives the payment request. good. For example, when the store evaluation of the customer of the trading partner is lower than a predetermined threshold value, the output unit 112 may output a warning to call attention to the store terminal 300 when the payment receiving unit 111 receives the payment request. good. Since the store evaluation information indicates the evaluation of the customer by the store, according to such a configuration, the store clerk can be alerted to the customer by the evaluation of the customer of the transaction partner.

The output unit 112 may output the customer evaluation of the store itself to the store terminal 300, for example, with reference to a storage unit that stores customer evaluation information. Since the customer evaluation information indicates the evaluation of the store by the customer, it is possible to feed back the evaluation from the customer to the store according to such a configuration.

For example, the output unit 112 may output the risk level of each transaction calculated by the calculation unit 116, which will be described later, to the store terminal 300.

The output unit 112 may, for example, cause each of the customer terminal 200 and the store terminal 300 to output a screen for the evaluation receiving unit 115, which will be described later, to receive an evaluation from each.

The selection reception unit 113 receives from the store terminal 300 the selection of the coping method adopted by the store from among the plurality of coping methods.

When the coping method selected from the store satisfies a predetermined condition, the payment processing unit 114 performs processing for payment settlement based on the payment request received by the payment reception unit 111.

The payment processing unit 114 is used for payment according to the payment method selected by the customer, for example, card payment such as credit card payment or debit card payment, cardless payment payment, electronic money payment, bank transfer payment, or the like. Processing may be performed.

The "predetermined condition" may include, for example, that the transaction has not been rejected. Also, certain conditions may include that the transaction is not pending. Further, the predetermined condition may include that the reliability of the trading partner (customer) exceeds a predetermined threshold value. Here, "reliability" indicates the degree of trust in a customer in a transaction. The details of the reliability will be described later.

According to the above configuration, the payment processing unit 114 can perform processing for payment settlement only when the coping method adopted by the store based on the result of the identity verification satisfies a predetermined condition. Therefore, according to the above configuration, the payment processing unit 114 does not perform processing for payment settlement when, for example, the store adopts a coping method of "rejecting a transaction" based on the result of identity verification. Therefore, the risk of face-to-face transactions can be reduced.

The payment processing unit 114 may perform processing for payment settlement, for example, based on the result of identity verification by the verification unit 119, which will be further described later.

According to the above configuration, the payment processing unit 114 can perform processing for payment settlement based on the result of performing additional identity verification according to the reliability of the customer.

The evaluation reception unit 115 receives the store evaluation from the store terminal 300. The store evaluation is, for example, a numerical evaluation of 5 stages from 1 to 5 (evaluations are set in ascending order from 1 to 5, 1 is the lowest evaluation (bad), and 5 is the highest evaluation (good). , Same.).

The evaluation reception unit 115 may accept store evaluation by, for example, any one of the following (1) to (4), or a combination of any two or more.
(1) Matching status with the output customer attributes (person, unknown, suspicious, likely to be different, etc.)
(2) Suspicious situation of purchases and transactions by customers (normal, unnatural mass purchases, dangerous goods purchases, etc.)
(3) Situations related to customer behavior (normal, suspicious behavior, violence, trouble occurrence, etc.)
(4) Recognition of the customer itself (acquaintances such as regular customers, acquaintances, unfamiliar users, etc.)

The evaluation receiving unit 115 may further receive customer evaluation from the customer terminal 200, for example. The customer evaluation may be, for example, a numerical evaluation on a five-point scale of 1 to 5.

The evaluation reception unit 115 may accept store evaluation by, for example, any one of the following (1) to (3), or a combination of any two or more.
(1) Comprehensive evaluation of transactions (for example, 5-step numerical evaluation, simple comments, etc.)
(2) By acquiring store industry information, evaluation according to the industry (for example, taste, service, cleanliness at restaurants, product lineup, cleanliness, customer service, etc. at general stores)
(3) Evaluation of clerk (for example, 5-step numerical evaluation, simple comment, etc.)

The calculation unit 116 calculates the reliability of each customer based on the store evaluation. The calculation unit 116 may calculate the reliability based on, for example, the statistical value (for example, the average value, the median value, the mode value, etc.) of the store evaluation accumulated for a predetermined period. In this embodiment, in order to simplify the explanation, an example in which the reliability is set to 5 levels from A to E is used, but the purpose is not limited to this. In these five stages, evaluations are set in descending order from A to E, with A having the highest evaluation (good) and E having the lowest evaluation (bad). For example, the calculation unit 116 refers to a storage unit that stores the store evaluations 1 to 5 in association with the reliability E to A, and corresponds to the case where the median value of the store evaluation in the predetermined period of the customer is "4". The reliability "B" to be performed may be calculated as the reliability of the customer.

The calculation unit 116 may calculate the reliability based on, for example, the store evaluation adjusted by the adjustment unit 120 described later.

According to the above configuration, the calculation unit 116 calculates the customer reliability based on the store evaluation adjusted by the result of the cross check between the store evaluation and the customer evaluation, instead of the store evaluation for the customer unilaterally by the store. be able to. Therefore, according to the above configuration, the calculation unit 116 can calculate the customer's reliability more accurately.

The calculation unit 116 may calculate the risk level of each transaction based on, for example, the reliability of the customer and the transaction history. The calculation unit 116 may classify each transaction according to the risk level, for example, by a classification model constructed by inputting transaction history information for each customer. Here, the "transaction history information" is information indicating the transaction history of each transaction in a predetermined period. Here, the "transaction history" is the content of each transaction between the customer and the store in a predetermined period (for example, the transaction date and time, the product to be traded, etc., the customer identification information of the customer of the business partner, and the transaction amount (settlement amount). ), Payment method, etc.).

The calculation unit 116 may build a classification model by inputting, for example, the reliability and the feature amount of the transaction history information. Specifically, first, the calculation unit 116 uses reliability and transaction history as explanatory variables, and risk levels 1 to N (N is a specific numerical value, and N or less and a predetermined numerical value or more are regarded as risks as out of the allowable range). Each feature quantity is extracted using the classification class of.

Next, the calculation unit 116 combines these extracted features into learning data. Next, the calculation unit 116 builds a classification model that defines a classification class by learning by machine learning (for example, learning techniques such as SVM, Bayesian filter, and ID3 for building a decision tree) using the learning data. ..

Next, the calculation unit 116 stores the constructed classification model in the storage unit.

Next, the calculation unit 116 classifies each transaction into classification classes of risk levels 1 to N using the classification model stored in the storage unit based on the reliability and the feature amount of the transaction information indicating the content of each transaction. .. In this way, the calculation unit 116 may calculate the risk level of each transaction.

In the above, the example of supervised learning has been described, but as another example, as unsupervised learning, each transaction is based on a classification model constructed by inputting transaction information and using principal component analysis and clustering. It is also conceivable to use a method of classifying by risk level.

When the payment reception unit 111 receives the payment request, the verification request unit 117 sets the customer terminal 200 or the store terminal 300 to the customer terminal 200 or the store terminal 300 when the customer's reliability is lower than a predetermined threshold value (for example, the reliability "D"). , Request identity verification from the customer. That is, the verification request unit 117 can confirm the identity of the customer in addition to the identity verification by comparing the attributes of the customer with the customer facing the customer.

For example, the verification request unit 117 may display a message requesting identity verification on the payment site where the customer or store logs in, or push-notifies a message requesting identity verification by the customer application or the store application. Alternatively, a message requesting identity verification may be sent to the customer's email address or SNS account.

The verification reception unit 118 receives a response to a request including confirmation information from the store terminal 300 or the customer terminal 200 for which identity verification is further requested from the store terminal 300.

"Confirmation information" is information for confirming that the customer is the customer himself / herself. The confirmation information may indicate, for example, an element of identity verification (knowledge, possession, living body).

The confirmation information may be, for example, information that only the person can know as a knowledge element of the person (for example, a personal identification number (including a PIN code) registered in advance, a secret password, or a part of a telephone number. (Knowledge certification).

The confirmation information may be a card for various payments such as a credit card, a customer terminal 200 with a built-in NFC tag, a card, or the like as an element of the person's property (property authentication).

The confirmation information may be, for example, a fingerprint, a vein pattern, or an appearance registered in advance as a biological element of the person (biometric authentication).

The confirmation information may be, for example, a combination of the above-mentioned plurality of types of identity verification elements for multi-factor authentication (for example, a combination of a credit card and a PIN code).

The confirmation information may be, for example, image data such as an individual number card (my number card) on which personal information can be confirmed, a driver's license, a passport, and a basic resident register card (with a photograph of the user's face).

The verification unit 119 confirms the identity of the customer based on the confirmation information.

The coordinating unit 120 compares the store evaluation with the customer evaluation and adjusts the store evaluation based on the result of the comparison. The coordinating unit 120 may, for example, compare the statistical value of the store evaluation for each customer in a predetermined period with the customer evaluation of this customer. The coordinating unit 120 may, for example, compare the statistical value of the customer evaluation for each store in a predetermined period with the store evaluation of this store.

For example, the adjustment unit 120 may adjust by changing the weighting for the store evaluation in each store based on the statistical value of the customer evaluation. For example, the statistical value "1" has a weight of "0.8", the statistical value "2" has a weight of "0.85", the statistical value "3" has a weight of "0.9", and the statistical value "4" has a weight of "0". .95 ”and the statistical value“ 5 ”may be a weight“ 1 ”. For example, in the case of a store whose customer evaluation statistical value is "1", the coordinating unit 120 has a weight of "0.8" for the store evaluation of that store, and when the customer evaluation statistical value is "5", the weight is "0.8". The weight may be "1" for the store evaluation of the store. The coordinating unit 120 may calculate the weighted average of the store evaluation in a predetermined period by weighting each store in this way. The adjusting unit 120 may use the calculated weighted average value as the adjusted store evaluation.

The adjusting unit 120 may adjust the customer evaluation based on the result of the above comparison, for example. For example, the adjustment unit 120 may make adjustments by changing the weighting of the customer evaluation for each customer based on the statistical value of the store evaluation, as in the case of the store evaluation.

The coordinating unit 120 may make adjustments by changing the weighting of the store evaluation and the customer evaluation based on, for example, the location of the store or the place of residence (address) of the customer. The coordinating unit 120 may make adjustments by changing the weighting on the store evaluation, for example, based on the type of business of the store.

According to the above configuration, the coordinating unit 120 can adjust the store evaluation and the customer evaluation based on the regional characteristics (for example, the difference between the urban area and the rural area) and the type of the store. For example, in a trading environment where people can see each other in rural areas compared to urban areas, it is highly likely that mutual evaluations will be reflected appropriately (because they know the other party). On the other hand, in a faceless environment in the city compared to rural areas, there is a high possibility that noise to the evaluation will be mixed (because the other party is not known). According to the above configuration, the adjusting unit 120 can make adjustments based on such regional differences and industry differences.

The granting unit 121 grants an incentive to the customer based on the store evaluation adjusted by the coordinating unit 120. Here, the "incentive" may be, for example, a coupon for discounting points or products that can be used in the payment service. Specifically, the granting unit 121 may store the customer information of the customer to be granted stored in the storage unit 130 in association with the incentive information indicating the points or coupons to be granted.

According to the above configuration, the granting unit 121 can give an incentive by a store evaluation that is cross-checked with a customer evaluation instead of a one-sided store evaluation. Therefore, according to the above configuration, the granting unit 121 can give an incentive to the customer by the store evaluation that corrects the arbitrary and malicious evaluation of the store.

The incentive may be, for example, a transfer of a predetermined amount to the customer's account. The granting unit 121 may store incentive information indicating the transfer amount in association with the customer information of the customer to be granted. For example, the granting unit 121 may grant the customer the right to reduce the usage fee of the payment service (hereinafter, also simply referred to as “usage fee”). For example, the granting unit 121 may grant the customer a privilege such as a discount on the usage fee or points that can be used for payment of the usage fee as the right. As another example, the granting unit 121 may reduce or exempt the usage fee from the customer.

The granting unit 121 may grant an incentive to the store, for example, based on the customer evaluation adjusted by the coordinating unit 120. Here, the "incentive" may be the right to reduce the usage fee of the payment service, or may be the transfer of a predetermined amount to the account designated by the store, as in the case of the incentive to the customer.

According to the above configuration, the granting unit 121 can give an incentive by a customer evaluation that is cross-checked with a store evaluation instead of a one-sided customer evaluation. Therefore, according to the above configuration, the granting unit 121 can give an incentive to the store by the customer evaluation that corrects the arbitrary and malicious evaluation of the customer.

The granting unit 121 grants an incentive based on, for example, a store evaluation and a coping method selected in the same and / or other store after the evaluation of the store evaluation (after acceptance by the evaluation receiving unit 115). You may.

For example, the granting unit 121 evaluates the store evaluation of the customer A as "1", and after the evaluation, selects a coping method of "rejecting the transaction" in the transaction with the customer A at a plurality of stores. If so, an incentive may be given (or the incentive may be upgraded) as having led to fraud deterrence by appropriate evaluation.

According to the above configuration, it is possible to suppress arbitrary evaluations by stores and evaluations that hinder transactions.

The storage unit 130 may store customer information, attribute information, store evaluation information, customer evaluation information, coping method information, incentive information, transaction information or transaction history information, classification model, and the like. The storage unit 130 may store these information in association with each other, for example. The storage unit 130 may store each information by using a database management system (DBMS) or may store each information by using a file system. When using the DBMS, a table may be provided for each of the above information, and each information may be managed by associating the tables with each other.

The communication unit 140 transmits and receives various information to the customer terminal 200 and / or the store terminal 300 via the network N.

<4. Operation example>
An operation example of the payment device 100 will be described with reference to FIG. The order of the processes shown below is an example and may be changed as appropriate.

As shown in FIG. 5, the payment receiving unit 111 of the payment device 100 receives a payment payment request from the customer terminal 200 or the store terminal 300 when paying for a transaction between a customer and a store (step S10). The output unit 112 refers to the storage unit 130 that stores the attribute information, and when the payment reception unit 111 receives the payment request, outputs the customer's attributes and a plurality of coping methods for the transaction to the store terminal 300. (Step S11).

The selection reception unit 113 receives from the store terminal 300 the selection of the coping method adopted by the store from among the plurality of coping methods (step S12).

When the selected coping method is "evaluating the customer" (in the case of "evaluating the customer" in step S13), the evaluation receiving unit 115 receives the store evaluation from the store terminal 300 (step S14).

If the selected countermeasure is "to put the transaction on hold until the identity can be confirmed" (in the case of "identity verification" in step S13), the verification requesting unit 117 is sent to the customer terminal 200 or the store terminal 300. , Request for identity verification (step S15). The verification reception unit 118 receives a response to the above-mentioned identity verification request including confirmation information for confirming that the customer is the customer from the store terminal 300 or the customer terminal 200 (step S16).

If the identity of the customer can be confirmed in the verification unit 119 (in the case of "OK" in step 17), or if the evaluation reception unit 115 accepts the store evaluation, the payment processing unit 114 processes the payment. I do.

When the selected coping method is "rejecting the transaction" (when "rejecting the transaction" in step S13), or when the identity verification unit 119 cannot confirm the identity of the customer ("rejecting the transaction" in step S17). In the case of "NG"), the payment processing unit 114 cancels the payment settlement (step S19).

The output unit 112 outputs the result of payment processing (for example, payment completion, etc.) and the result of identity verification (OK or NG) to the store terminal 300.

<5. Hardware configuration>
With reference to FIG. 6, an example of the hardware configuration in the case where the payment device 100 described above is realized by the computer 800 will be described. The function of each device can be realized by dividing it into a plurality of devices.

As shown in FIG. 6, the computer 800 includes a processor 801, a memory 803, a storage device 805, an input I / F unit 807, a data I / F unit 809, a communication I / F unit 811, and a display device. Includes 813.

The processor 801 controls various processes in the computer 800 by executing a program stored in the memory 803. For example, each functional unit included in the control unit 110 of the payment device 100 can be realized by the processor 801 executing a program temporarily stored in the memory 803.

The memory 803 is a storage medium such as, for example, a RAM (Random Access Memory). The memory 803 temporarily stores the program code of the program executed by the processor 801 and the data required when the program is executed.

The storage device 805 is a non-volatile storage medium such as a hard disk drive (HDD) or a flash memory. The storage device 805 stores an operating system and various programs for realizing each of the above configurations. In addition, the storage device 805 can also store a table for registering various information such as customer information and confirmation information, and a DB for managing the table. Such programs and data are referenced from the processor 801 by being loaded into the memory 803 as needed.

The input I / F unit 807 is a device for receiving input from the user. Specific examples of the input I / F unit 807 include a keyboard, a mouse, a touch panel, various sensors, a wearable device, and the like. The input I / F unit 807 may be connected to the computer 800 via an interface such as USB (Universal Serial Bus).

The data I / F unit 809 is a device for inputting data from the outside of the computer 800. Specific examples of the data I / F unit 809 include a drive device for reading data stored in various storage media. It is also conceivable that the data I / F unit 809 is provided outside the computer 800. In that case, the data I / F unit 809 is connected to the computer 800 via an interface such as USB.

The communication I / F unit 811 is a device for performing data communication via the Internet N by wire or wirelessly with an external device of the computer 800. It is also conceivable that the communication I / F unit 811 is provided outside the computer 800. In that case, the communication I / F unit 811 is connected to the computer 800 via an interface such as USB.

The display device 813 is a device for displaying various information. Specific examples of the display device 813 include a liquid crystal display, an organic EL (Electro-Luminescence) display, a display of a wearable device, and the like. The display device 813 may be provided outside the computer 800. In that case, the display device 813 is connected to the computer 800 via, for example, a display cable. Further, when the touch panel is adopted as the input I / F unit 807, the display device 813 can be integrally configured with the input I / F unit 807.

It should be noted that the present embodiment is an example for explaining the present invention, and is not intended to limit the present invention to only the embodiment thereof. Further, the present invention can be modified in various ways as long as it does not deviate from the gist thereof. Further, those skilled in the art can adopt an embodiment in which each element described below is replaced with a uniform one, and such an embodiment is also included in the scope of the present invention.

Further, the component included in the payment device described in the above embodiment is that the program stored in the storage device 805 is executed by the processor 801 to perform the defined processing in cooperation with other hardware. It shall be realized. In other words, these components are assumed to be software or firmware and corresponding hardware, and in both concepts, "function", "means", "part", "processing circuit", It is also described as "unit" or "module", and can be read as "unit" or "module".

[Modification example]
Although the present invention has been described based on the above embodiment, the following cases are also included in the present invention.

(1) In the above embodiment, an example of a transaction with a customer in a store has been described, but the present invention is not limited to this. The payment system 1 may be used, for example, for payment when using transportation (payment of a fare when boarding a bus) or when using other facilities.

(2) At least a part of each configuration included in the payment device 100 according to the above embodiment may be provided in the customer terminal 200 or the store terminal 300. The customer terminal 200 or the store terminal 300 may realize these configurations by executing, for example, a customer application or a store application installed by each of the customer terminal 200 or the store terminal 300.

1 ... Payment system, 100 ... Payment device, 110 ... Control unit, 111 ... Payment reception unit, 112 ... Output unit, 113 ... Selection reception unit, 114 ... Payment processing unit, 115 ... Evaluation reception unit, 116 ... Calculation unit 117 ... Confirmation request unit, 118 ... Confirmation reception unit, 119 ... Confirmation department, 120 ... Adjustment department, 121 ... Granting unit, 130 ... Storage unit, 140 ... Communication unit, 200 ... Customer terminal, 300 ... Store terminal, 800 ... Computer, 801 ... Processor, 803 ... Memory, 805 ... Storage device, 807 ... Input I / F section, 809 ... Data I / F section, 811 ... Communication I / F section, 813 ... Display device.

Claims (8)

A payment device that connects to a customer terminal of a customer or a store terminal of a store that sells products or provides services to the customer via a network.
A payment receiving unit that receives a payment request for payment from the customer terminal or the store terminal when paying for a transaction between the customer and the store.
With reference to the storage unit that stores the attribute information indicating the customer's attribute, when the payment receiving unit receives the payment request, the attribute and a plurality of coping methods for the transaction are output to the store terminal. Output section and
A selection reception unit that accepts selection of a coping method adopted by the store from the plurality of coping methods from the store terminal.
When the selected coping method satisfies a predetermined condition, the payment processing unit is provided with a payment processing unit that performs processing for payment of the payment based on the payment request.
Payment device. The plurality of coping measures include at least one of rejecting the transaction or evaluating the customer.
The predetermined conditions include that the transaction has not been rejected.
The payment device according to claim 1. An evaluation reception unit that accepts store evaluations by the store for the customer from the store terminal,
A calculation unit that calculates the reliability of each customer based on the store evaluation,
When the payment receiving unit receives the payment request, if the reliability is lower than a predetermined threshold value, the store terminal or the customer terminal is requested to confirm the identity of the customer.
A verification reception unit that receives a response to the request from the store terminal or the customer terminal, including confirmation information for confirming that the customer is the customer himself / herself.
Based on the confirmation information, we will prepare for the verification department that confirms the identity of the customer.
The payment processing unit further performs processing for payment of the payment based on the result of the identity verification.
The payment device according to claim 1 or 2. The evaluation reception unit further receives customer evaluations by the customer for the store from the customer terminal.
The payment device further includes an adjustment unit that compares the store evaluation and the customer evaluation and adjusts the store evaluation based on the result of the comparison.
The calculation unit calculates the reliability based on the adjusted store evaluation.
The payment device according to claim 3. Further provided with a granting unit that gives incentives to the customer based on the adjusted store evaluation.
The payment device according to claim 4. The adjusting unit adjusts the customer evaluation based on the result of the comparison.
The granting unit grants an incentive to the store based on the adjusted customer evaluation.
The payment device according to claim 5. To a customer terminal of a customer or a computer connected to the store terminal of a store that sells products or provides services to the customer via a network.
A payment acceptance function that accepts a payment request for payment from the customer terminal or the store terminal when paying for a transaction between the customer and the store.
With reference to the storage function for storing the attribute information indicating the customer's attribute, when the payment receiving function receives the payment request, the attribute and a plurality of coping methods for the transaction are output to the store terminal. Output function and
A selection reception function that accepts selection of a coping method adopted by the store from the plurality of coping methods from the store terminal.
When the selected coping method satisfies a predetermined condition, a payment processing function for processing the payment is realized based on the payment request.
program. A computer that connects to a customer terminal of a customer or a store terminal of a store that sells products or provides services to the customer via a network
Upon payment of a transaction between the customer and the store, a payment request for the payment is received from the customer terminal or the store terminal.
With reference to the storage unit that stores the attribute information indicating the attribute of the customer, when the payment request is received, the attribute and a plurality of coping methods for the transaction are output to the store terminal.
From the store terminal, the selection of the coping method adopted by the store from the plurality of coping methods is accepted.
If the selected coping method satisfies a predetermined condition, a process for settlement of the payment is performed based on the payment request.
Information processing method.

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