JP2011210171A - Settlement server, settlement system, settlement method, and settlement program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve safety and reliability in a settlement which is performed in a face-to-face selling method by using a settlement means in place of cash, while maintaining high convenience.SOLUTION: A settlement system 100 is configured to perform an online settlement in a store front in a settlement by reading a QR code (R) shown by the store with a user terminal 110, without using a special-purpose terminal for reading a credit card or information of the credit card.

Description

  The present invention relates to a settlement server, a settlement system, a settlement method, and a settlement program that are used for settlement in a face-to-face sales system using a settlement means that replaces cash.

  2. Description of the Related Art Conventionally, there is a settlement method in which a commodity price or a service price is paid using a settlement means that replaces cash such as a credit card, a debit card, or electronic money. Such a payment method allows the user to receive the provision of goods and services without carrying a large amount of cash, for example, and eliminates the hassle of handling small changes. You can enjoy sex.

  Such settlement using a settlement means instead of cash is often performed in the form of a so-called face-to-face sales method in which sales are made through customer service. Specifically, for example, when making a payment in the form of a face-to-face sales method using a card such as a credit card, a debit card or an electronic money card as a payment means in place of cash, the user makes a request to a store (clerk) , Hand the card used for payment. Specifically, when a software for managing electronic money is installed and payment is made in the form of a face-to-face sales method using a mobile terminal device such as a mobile phone charged with electronic money, The portable terminal device is brought into contact with the terminal of the store.

  Also, conventionally, for example, a payment relay server that has received barcode data of a payment slip transmitted from a mobile terminal records the generated multiple payment identifier in association with the barcode data, and then transmits the multiple payment identifier to the bank host system. Then, the bank host system performs a withdrawal process on the user's account for which user authentication has been completed and sends a completion notification to the settlement relay server via the mobile terminal. The settlement relay server that receives the completion notification uses the payment slip. There has been a technique for notifying a company system of a company that collects a price that the collection of the price has been completed (see, for example, Patent Document 1 below).

JP 2006-243842 A

  However, the above-described conventional technology hands over the card or the mobile terminal device to the store side when the settlement is performed using a method other than cash such as a credit card, a debit card, or electronic money by a face-to-face sales method. For this reason, there is a problem that information stored in the card or the portable terminal includes a risk that it is read by a store-side device such as a payment terminal device.

  In addition, in the conventional technology described above, for example, when performing payment using a means other than cash, such as a credit card or a debit card, using a face-to-face sales method, it is necessary to input a password to a terminal installed at the store side. Therefore, for example, there is a risk that a PIN code can be easily obtained if a store installs a video camera etc. and the user uses the video camera to steal the operation of inputting the PIN number. There was a problem of being.

  In addition, regarding the electronic money in the above-described conventional technology, the ID and balance of the electronic money are managed in the mobile terminal device, and identity verification is not performed in the face-to-face sales method settlement using the electronic money. Generally, when a portable terminal device that manages (stores) an electronic money ID or balance is lost or stolen, a reissue procedure is required.

  For this reason, in the conventional technology described above, if the portable terminal device that manages (stores) the electronic money ID or balance is lost or stolen, the period until the reissue procedure is completed is lost or There has been a problem that a person who finds a stolen portable terminal device has a risk that electronic money managed (stored) by the portable terminal device may be easily abused.

  In addition, it is not preferable to charge a large amount of electronic money to the mobile terminal device from such a situation, and the payment using electronic money tends to be judged to be inappropriate for the large amount of payment, There was a problem that the high convenience at the time of settlement could not be fully utilized.

  In addition, the conventional technique described in Patent Document 1 described above has a high need for identifying (recognizing) a payer, such as payment for a product by mail order or a public fee in a local government. It is intended for a payment with a low necessity (real-time property) of confirming that the settlement is completed on the spot where the procedure is performed, and it is difficult to confirm that the settlement is completed on the spot where the settlement procedure is performed.

  On the other hand, in payments that are made in face-to-face sales using a payment method instead of cash, there is a high need to confirm that the payment has been completed on the spot of the payment procedure (real time). Since it is unnecessary, there is a problem that it is difficult to apply the conventional technique described in Patent Document 1 described above to a settlement performed by a face-to-face sales method using a settlement means instead of cash.

  In order to eliminate the above-described problems caused by the conventional technology, the present invention can improve safety and reliability while maintaining high convenience in a settlement performed by a face-to-face sales method using a settlement means instead of cash. An object of the present invention is to provide a payment server, a payment system, a payment method, and a payment program.

  In order to solve the above-described problems and achieve the object, a settlement server according to the present invention is a settlement server in which a user terminal device of a user and a store terminal device of a store can be connected, and the user A payment amount receiving means for receiving a payment amount to be paid to the store from the store terminal device; a transaction number generating means for generating a transaction number for the payment amount received by the payment amount receiving means; and the transaction number generation means. Storage means for associating the generated transaction number with the payment amount and the store terminal device ID of the store terminal device and storing them in a predetermined storage medium, and the transaction number generated by the transaction number generating means as the store terminal Transaction number transmitting means to be transmitted to the device, transaction number transmitted by the transaction number transmitting means, and user terminal device I to which the transaction number is input Transaction number receiving means for receiving from the user terminal device, extraction means for extracting the payment amount and store terminal device ID corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium, Transaction information transmission means for transmitting transaction information including the payment amount extracted by the extraction means and store information concerning the store terminal device ID to the user terminal device, and authentication for the transaction information from the user terminal device Authentication information receiving means for receiving information, payment execution means for executing payment based on the authentication information received by the authentication information receiving means, and at least the user terminal that payment has been executed by the payment execution means And a notification means for notifying either of the apparatus and the store terminal device.

  Moreover, the payment server according to the present invention comprises authentication processing means for performing authentication processing based on the authentication information received by the authentication information receiving means in the above invention, wherein the payment execution means is executed by the authentication processing means. When the authentication process is performed, a settlement is executed.

  Moreover, in the payment server according to the present invention, in the above invention, the store terminal device includes display means for displaying a transaction number transmitted from the payment server, and the user terminal device is connected to the store terminal device. An input means for inputting the transaction number displayed on the display means is provided.

  The settlement server according to the present invention is a settlement server to which a user terminal device of a user and a store terminal device of a store can be connected, and the payment intention information relating to the willingness to pay from the user to the store Payment intention information receiving means received from a user terminal device, transaction number generating means for generating a transaction number for payment intention information received by the payment intention information receiving means, and generated by the transaction number generating means A storage means for associating a transaction number with the user terminal device ID of the user terminal device and storing it in a predetermined storage medium, and transmitting the transaction number generated by the transaction number generation means to the user terminal device Transaction number transmission means, transaction number transmitted by the transaction number transmission means, payment amount paid by the user to the store, and the transaction number are input. A transaction number receiving means for receiving the received store terminal apparatus ID from the store terminal apparatus, and an extraction for extracting the user terminal apparatus ID corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium Means, a payment execution means for executing payment based on the user information concerning the user terminal device ID extracted by the extraction means and the information received by the transaction number receiving means, and payment by the payment execution means Notification means for notifying at least one of the user terminal device and the store terminal device that at least that the process has been executed.

  Further, in the above invention, the settlement server according to the present invention is based on the user information related to the user terminal device ID extracted by the extracting means and the information received by the transaction number receiving means. Authentication processing means for performing authentication processing of a person, wherein the payment execution means executes payment when the authentication processing is performed by the authentication processing means.

  Further, in the above invention, the settlement server according to the present invention provides the transaction information including the user information related to the user terminal device ID extracted by the extracting means and the payment amount received by the transaction number receiving means. Transaction information transmitting means for transmitting to the user terminal device, and authentication information receiving means for receiving authentication information for the transaction information from the user terminal device, wherein the authentication processing means is provided by the authentication information receiving means. An authentication process is performed based on the received authentication information.

  Moreover, in the payment server according to the present invention, in the above invention, the user terminal device includes display means for displaying a transaction number transmitted from the payment server, and the store terminal device includes the user terminal device. An input means for inputting the transaction number displayed on the display means is provided.

  The payment server according to the present invention is characterized in that, in the above invention, the payment execution means transfers a payment amount from a user account provided in advance to an account of the store.

  Moreover, the payment system concerning this invention is comprised from said payment server, the said user terminal device, and the said shop terminal device.

  Further, the payment method according to the present invention is a payment method performed by a payment server that can connect a user terminal device of a user and a store terminal device of a store, and the payment amount paid by the user to the store is A payment amount receiving step received from the store terminal device, a transaction number generation step for generating a transaction number for the payment amount received by the payment amount reception step, a transaction number generated by the transaction number generation step, A registration step of associating and registering the payment amount and the store terminal device ID, a transaction number transmission step of transmitting the transaction number generated by the transaction number generation step to the store terminal device, and a transaction number transmission step Transaction number receiver that receives the transmitted transaction number and the user terminal device ID in which the transaction number is input from the user terminal device And an extraction step for extracting the payment amount and the store terminal device ID corresponding to the transaction number received by the transaction number receiving step, and the information on the store according to the payment amount and the store terminal device ID extracted by the extraction step. A transaction information transmitting step for transmitting transaction information to the user terminal device; an authentication information receiving step for receiving authentication information for the transaction information from the user terminal device; and an authentication received by the authentication information receiving step. A payment execution step of executing payment based on information, and a notification step of notifying at least one of the user terminal device and the store terminal device that the payment has been executed by the payment execution step. It is characterized by.

  The payment method according to the present invention is a payment method performed by a payment server to which a user terminal device of a user and a store terminal device of a store can be connected, and payment related to the payment intention from the user to the store Payment intention information receiving step for receiving intention information from the user terminal device, transaction number generating step for generating a transaction number for the payment intention information received by the payment intention information receiving step, and the transaction number generating step A registration number for associating and registering the transaction number generated by the user terminal device ID, a transaction number transmission step for transmitting the transaction number generated by the transaction number generation step to the user terminal device, The transaction number transmitted by the transaction number transmission step, the payment amount paid by the user to the store, and the store terminal device into which the transaction number is input The transaction number receiving step for receiving the ID from the store terminal device, the extraction step for extracting the user terminal device ID corresponding to the transaction number received by the transaction number receiving step, and the use extracted by the extraction step A payment execution step for executing payment based on the user information relating to the user terminal device ID and the information received by the transaction number reception step, and at least the user terminal that the payment is executed by the payment execution step. A notification step of notifying either the device or the store terminal device.

  A settlement program according to the present invention is characterized in that a computer executes the above settlement method.

  According to the payment server, the payment system, the payment method, and the payment program according to the present invention, in the payment performed by the face-to-face sales method using the payment means instead of cash, the safety and the reliability are improved while maintaining high convenience. There is an effect that it can be achieved.

It is explanatory drawing which shows the system configuration | structure of the payment system of Embodiment 1 concerning this invention. It is a block diagram which shows the hardware constitutions of the smart phone which implement | achieves the user terminal device and shop terminal device of Embodiment 1 concerning this invention. It is a block diagram which shows the hardware constitutions of the computer apparatus which implement | achieves the payment mediation server and external payment server of Embodiment 1 concerning this invention. It is explanatory drawing which shows an example of the account information table with which a payment mediation server is provided. It is explanatory drawing which shows an example of the transaction information table with which a payment mediation server is provided. It is explanatory drawing which shows an example of the card payment information database with which an external payment server is provided. It is explanatory drawing which shows an example of the completion card payment information database with which an external payment server is provided. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 2) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 3) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 4) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 5) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 6) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 7) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 8) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 9) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 10) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 11) which shows the process sequence of the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 3) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is explanatory drawing (the 3) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is a flowchart which shows the process sequence of the shop terminal device in the payment system of Embodiment 1 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 1 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 1 concerning this invention. It is a block diagram which shows the functional structure of each part which comprises the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 1) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 2) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 3) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 4) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 5) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 6) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 7) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 8) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 9) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 10) which shows the process sequence of the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 3) which shows the example of a display screen of the user terminal device in the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 1) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 2 concerning this invention. It is explanatory drawing (the 2) which shows the example of a display screen of the shop terminal device in the payment system of Embodiment 2 concerning this invention. It is a flowchart which shows the process sequence of the user terminal device in the payment system of Embodiment 2 concerning this invention. It is a flowchart which shows the process sequence of the payment mediation server in the payment system of Embodiment 2 concerning this invention. It is a flowchart which shows the process sequence of the shop terminal device in the payment system of Embodiment 2 concerning this invention.

  Exemplary embodiments of a payment server, a payment system, a payment method, and a payment program according to the present invention are explained in detail below with reference to the accompanying drawings.

(Embodiment 1)
(System configuration of payment system)
First, the system configuration of the settlement system according to the first embodiment of the present invention will be described. FIG. 1 is an explanatory diagram showing the system configuration of the settlement system according to the first embodiment of the present invention.

  1, the payment system 100 according to the first embodiment of the present invention includes a user terminal device 110, a store terminal device 120, a payment mediation server 131, and an external payment server 132. In the payment system 100, the user terminal device 110 and the payment mediation server 131, the store terminal device 120 and the payment mediation server 131, and the payment mediation server 131 and the external payment server 132 are via a network such as the Internet (not shown). So that they can communicate with each other.

  The user terminal device 110 and the store terminal device 120 are terminal devices that can be connected to the Internet, and can be realized by, for example, a smartphone. Smartphones have a plurality of data processing functions such as voice calls and management of personal information in addition to the function of connecting to the Internet. The configuration of the smartphone will be described later (see FIG. 2). The various functions provided in the smartphone are well-known techniques, and thus description thereof is omitted.

  The payment intermediary server 131 and the external payment server 132 are terminal devices connectable to the Internet, and can be realized by a computer device such as a personal computer. The computer apparatus that implements the payment intermediary server 131 and the external payment server 132 will be described later (see FIG. 3).

  The settlement intermediary server 131 includes an account information table. The account information table stores user information registered by a user of the payment system 100 and a store (a clerk) who joins the payment system 100. Moreover, the settlement mediation server 131 includes a transaction information table. The transaction information table stores information generated every time payment is made. The account information table and transaction information table will be described later (see FIGS. 4 and 5). The external payment server 132 includes a card information database. The card information database stores information related to card payment. The card information database will be described later (see FIG. 6).

(Hardware configuration of user terminal device 110 and store terminal device 120)
Next, a hardware configuration of a smartphone that realizes the user terminal device 110 and the store terminal device 120 according to the first embodiment of the present invention will be described. FIG. 2 is a block diagram showing a hardware configuration of a smartphone that implements the user terminal device 110 and the store terminal device 120 according to the first embodiment of the present invention.

  2, a smartphone that realizes the user terminal device 110 and the store terminal device 120 according to the first embodiment of the present invention includes a CPU 201, a ROM 202, a RAM 203, a display 204, an operation unit 205, a microphone 206, and the like. , A speaker 207, a camera 208, and a communication I / F (interface) 209. Moreover, each component 201-209 with which the smart phone which implement | achieves the user terminal device 110 and the shop terminal device 120 of Embodiment 1 concerning this invention is provided is connected by the bus | bath 210, respectively.

  The CPU 201 controls the entire smartphone. The ROM 202 stores a program such as a boot program. The RAM 203 is used as a work area for the CPU 201. The display 204 displays, for example, various types of marks, icons, tool boxes, and the like that indicate a set mode (manner mode, drive mode, etc.) and radio wave reception status when a smartphone is used as a mobile phone (or PHS). To do. The display 204 can be realized mainly by, for example, a liquid crystal display or an organic EL (Electro-Luminescence) display.

  The operation unit 205 includes keys for inputting characters, numerical values, various instructions, and the like, and performs data input. The operation unit 205 can be realized by, for example, a touch panel or a keyboard. An operation unit 205 realized by a touch panel, a keyboard, or the like outputs a signal corresponding to an input operation on the operation unit 205.

  When the operation unit 205 is realized by a touch panel, the touch panel is stacked on the display surface side of the display 204. When the touch panel detects that a writing member such as a finger or a pen is in contact, the touch panel outputs an electrical signal corresponding to the contact position of the writing member with respect to the touch panel.

  Touch panel 202 stops outputting a signal when the contact of the writing member with touch panel 202 is released. Alternatively, the touch panel 202 may output a signal indicating that the writing member does not contact the touch panel 202 when the writing member contact with the touch panel 202 is released.

  The touch panel 202 detects the contact position of the writing member with respect to the touch panel 202 by various known methods such as a resistance film method, a capacitance method, an electromagnetic induction method, and a surface acoustic wave method, and outputs an electrical signal corresponding to the detected contact position. And output to the CPU 1001. When the electromagnetic induction method is adopted, a dedicated writing member called an electronic pen or the like is used.

  The microphone 206 performs analog / digital conversion on the voice of the speaker input as analog data, and generates digital audio data. The speaker 207 performs digital / analog conversion on digital audio data transmitted from the other party, and outputs audio by energizing a coil in the speaker cone based on the analog audio data.

  The camera 208 captures an imaging target by operating the operation unit 205 and generates image data. The generated image data is stored in the RAM 203 or the like. The communication I / F 209 is connected to a network such as the Internet and manages an interface between the network and the inside of the smartphone.

  The communication I / F 209 controls data input / output with a computer device or another smartphone connected to the network via a network such as the Internet. Further, the communication I / F 209 is connected to a telephone line network, and realizes a voice call with a communication terminal device such as another smartphone (portable phone or PHS) or a fixed phone.

(Hardware configuration of settlement mediation server 131 and external settlement server 132)
Next, a hardware configuration of a computer device that realizes the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention will be described. FIG. 3 is a block diagram showing a hardware configuration of a computer device that realizes the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention.

  In FIG. 3, the computer apparatus for realizing the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention includes a CPU 301, a ROM 302, a RAM 303, an HDD (hard disk drive) 304, and an HD (hard disk). 305, an FDD (flexible disk drive) 306, an FD (flexible disk) 307 as an example of a removable recording medium, and a communication I / F 308. Also, the units 301 to 308 included in the computer device that implements the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention are connected by a bus 309.

  The CPU 301 controls the entire computer device. The ROM 302 stores a program such as a boot program. The RAM 303 is used as a work area for the CPU 301. The HDD 304 controls reading / writing of data with respect to the HD 305 according to the control of the CPU 301. The HD 305 stores data written under the control of the HDD 304.

  The FDD 306 controls reading / writing of data with respect to the FD 307 according to the control of the CPU 301. The FD 307 stores data written under the control of the FDD 306. Instead of the FD 307 or in addition to the FD 307, various recording media such as a CD-ROM (CD-RW), an MO, and a DVD (Digital Versatile Disk) may be used as a detachable recording medium. In this case, the computer apparatus that implements the settlement intermediary server 131 and the external settlement server 132 according to the first embodiment of the present invention includes a drive that controls reading / writing of data with respect to various recording media.

  The communication I / F 308 is connected to a network such as the Internet, and is connected to an external device such as the user terminal device 110, the store terminal device 120, and another computer device via the network. The communication I / F 308 controls an interface between the network and the inside of the computer device, and controls data input / output from the computer device.

(Example of account information table)
Next, an example of an account information table provided in the settlement mediation server 131 will be described. FIG. 4 is an explanatory diagram illustrating an example of an account information table provided in the payment intermediary server 131. In FIG. 4, the account information table 400 provided in the payment intermediation server 131 is a member identification information such as a user name and a store name, identification information (password), account number, account balance, and communication with the external payment server 132. Necessary information is stored. Various types of information stored in the account information table 400 are applied to the operator of the payment system 100 from a user or a store (clerk) at the time of use registration of the payment system 100, for example.

  The member identification information is information that can identify a member (member) to the settlement system according to the first embodiment of the present invention, such as a user name and a store name, and is for each member (user and store). The information is different. The member identification information can be, for example, a store terminal device ID or a user terminal device ID. The store terminal device ID is information that can identify the store terminal device ID or the store in which the store terminal device ID is installed, differs for each store, and is set in advance by, for example, a card company.

  The store terminal device ID may be set so that stores that are not the same store may be identified even if the store names are the same, such as “branches of the same store”. That is, in the account information table 400, even if the store name is the same, if the location is different, each may be registered as a different store.

  The user terminal device ID is information that can identify the user terminal device 110, and can be, for example, an address assigned to the user terminal device 110. Further, the user terminal device ID may be, for example, the serial number of the user terminal device 110. The member identification information may be realized by a user name or a store name.

  The member identification information such as the user terminal device ID and the store terminal device ID is associated with the account number by, for example, a user or a store clerk performing a process such as logging in to the payment intermediary server 131 in advance. You may remember. The specific procedure for associating the member identification information with the account number by login is, for example, a state in which the corresponding information is registered in the account information table 400 based on the information applied at the time of use registration of the payment system 100 Do it.

  When associating member identification information with an account number by login, a user, a store clerk, etc., first of all, prior to using the payment system 100, a predetermined login for login to the user terminal device 110 or the store terminal device 120 is performed. A display screen (not shown) is displayed, and an account number and a password are input according to the contents of the predetermined display screen. The account number and password are information applied at the time of use registration of the payment system 100. Then, with the account number and password entered, the keys such as the “OK” key and “Send” key on the predetermined display screen for login are operated.

  When the user terminal device 110 or the store terminal device 120 is operated with a key such as an “OK” key or a “Send” key while displaying a predetermined display screen for login in which an account number and a password are input In addition to the account number and password, the member identification information (user terminal device ID and store terminal device ID) of each terminal device 110 and 120 is transmitted to the settlement intermediary server 131.

  The settlement intermediary server 131 receives the account number, password, and member identification information, refers to the account information table 400 based on the account number and password included in the received information, and associates them with the corresponding account number. It is determined whether the stored password matches the password included in the received information. If they match, the received account number is stored in association with the member identification information. The account number and the member identification information may be stored in association with each other in the terminal information table by creating a terminal information table (not shown) separately from the account information table 400.

  In addition, the settlement intermediary server 131 is a terminal that is the transmission source of the account number, password, and member identification information when the password stored in association with the corresponding account number matches the password included in the received information. The login authentication result is transmitted to the devices 110 and 120. When the terminal devices 110 and 120 that have received the login authentication result subsequently transmit various requests from the terminal devices 110 and 120 to the payment intermediary server 131, the member identification information ( User terminal device ID or store terminal device ID) is transmitted to the settlement intermediary server 131. Thereby, the payment intermediary server 131 can specify the account numbers of the terminal devices 110 and 120 that are the transmission sources of various requests.

  When logging in prior to the use of the payment system 100, instead of the member identification information (user terminal device ID or store terminal device ID) of each terminal device 110, 120, a session ID is generated for each login, The session ID may be used. When a session ID is used instead of the member identification information (user terminal device ID or store terminal device ID) of each terminal device 110, 120, the above-mentioned terminal information table stores the session ID and account number in association with each other. To do.

  In this case, when the password stored in association with the corresponding account number matches the password included in the received information, the settlement intermediary server 131 is a terminal that is the sender of the account number, password, and member identification information The login authentication result and the session ID are transmitted to the devices 110 and 120. When the terminal devices 110 and 120 that have received the login authentication result subsequently send various requests from the terminal devices 110 and 120 to the payment intermediary server 131, the terminal device 110 and 120 uses the session ID received together with the login authentication result as a payment. It transmits to the mediation server 131. Thereby, the payment intermediary server 131 can specify the account numbers of the terminal devices 110 and 120 that are the transmission sources of various requests.

  Note that the login method is not limited to the method of managing using the terminal information table or the like in the payment intermediary server 131. Instead of the login method described above, for example, the account numbers and passwords are stored in the terminal devices 110 and 120, and each time a request is sent to the settlement intermediary server 131, the stored account numbers and passwords are stored. You may make it transmit.

  The personal identification information (password) is information that can be identified as a member (member) to the settlement system according to the first embodiment of the present invention, and is different for each member (member). Can do. The identity verification information (password) may be information that can be arbitrarily set by the member, or information assigned by the administrator of the payment intermediary server.

  The account information is information that allows the member to identify the account in which the funds are deposited, and can be the account number of a deposit account opened in a financial institution such as a bank. The account information is not limited to the account number of a deposit account opened at a general financial institution. For example, the account information may be information in which an account for depositing funds that can be transferred in the payment system 100 is provided by an operator of the payment system 100 and the account can be identified. The account balance indicates the amount of funds deposited in the account identified by the account information. The account balance may be, for example, a credit available frame in a credit credit transaction.

  Information necessary for communication with the external settlement server 132 can be, for example, a card number or a password set when issuing a card with the card number. In the account information table 400, member identification information such as account number, user name and store name, identification information (password), account balance, and information necessary for the external settlement server 132 are the same user or the same store. It is stored in association with each other.

  The account information table 400 is provided in a nonvolatile storage medium. Specifically, the nonvolatile storage medium can be realized by, for example, the HD 305 provided in the settlement mediation server 131. Alternatively, the non-volatile storage medium may be specifically realized by, for example, the ROM 302 provided in the settlement mediation server 131.

  The non-volatile storage medium in which the account information table 400 is provided is not limited to the one stored in the computer device that implements the settlement mediation server 131. The non-volatile storage medium in which the account information table 400 is provided may be provided in a computer device different from the computer device that implements the settlement mediation server 131. In this case, the settlement intermediary server 131 can acquire information stored in the account information table 400 by communicating with a computer device including a non-volatile storage medium in which the account information table 400 is provided. it can.

(Example of transaction information table)
Next, an example of a transaction information table provided in the settlement mediation server 131 will be described. FIG. 5 is an explanatory diagram showing an example of a transaction information table provided in the payment intermediary server 131. In FIG. 5, the transaction information table 500 provided in the settlement mediation server 131 stores a transaction number, a remittance source account number, a remittance destination account number, a remittance amount, transaction information registration date and time, and a status flag.

  In the transaction information table 500, the transaction number is information that can identify each payment using the payment system 100, and is generated every time payment using the payment system 100 is performed. In the transaction information table 500, the remittance source account number, the remittance destination account number, the remittance amount, and the status flag are stored in association with the transaction number. The remittance source account number and the remittance destination account number are information that can identify the account opened by the store, and the transaction information registration date and time indicates the date and time when the transaction information is registered in the transaction information table 500. The remittance amount can be information that can identify the amount of money that the user has purchased at the store. The status flag indicates the progress status of each item in the transaction information table 500.

  The transaction information table 500 is provided in a non-volatile storage medium. Specifically, the nonvolatile storage medium can be realized by, for example, the HD 305 provided in the settlement mediation server 131. Alternatively, the non-volatile storage medium may be specifically realized by, for example, the ROM 302 provided in the settlement mediation server 131.

  The non-volatile storage medium in which the transaction information table 500 is provided is not limited to that stored in the computer device that implements the settlement mediation server 131. The non-volatile storage medium in which the transaction information table 500 is provided may be provided in a computer device different from the computer device that implements the settlement mediation server 131. In this case, the settlement intermediary server 131 can acquire information stored in the transaction information table 500 by communicating with a computer device including a non-volatile storage medium in which the transaction information table 500 is provided. it can.

(Example of card payment information database)
Next, an example of a card payment information database provided in the external payment server 132 will be described. FIG. 6 is an explanatory diagram showing an example of a card payment information database provided in the external payment server 132. In FIG. 6, the card payment information database 600 provided in the external payment server 132 stores information related to card payment. Information relating to card payment is registered in the card payment information database 600 every time the card payment is completed. The information related to card payment includes a card number.

  The card number is information unique to each card, and is information that can identify each card. Specifically, for example, when the card in the first embodiment is realized by a credit card, the card number can be a unique credit card number for each credit card.

  In the credit card number, the card issuer (issuer) such as a credit card company can be specified by the first six-digit bank identification number (BIN). The credit card number includes a BIN, is configured by an arbitrary number sequence assigned by a card issuer, and is unique information for each card.

  The card number only needs to be information (card identification information) that can identify each card, and is not limited to a number of numbers such as a credit card number. Specifically, the card number may be realized by, for example, information on a predetermined number of digits including only alphabets, or information on a predetermined number of digits including numbers and alphabets.

  Moreover, the information regarding card payment includes information that can specify the use date and time of the card. The information that can specify the card use date and time can be, for example, card payment date and time information (date and time information when the card is read) included in the card payment request information transmitted from the payment intermediary server 131.

  Alternatively, the information that can specify the use date and time of the card is information that can specify the date and time when the card payment request information transmitted from the payment intermediary server 131 is received. It can be specified using GPS radio waves. The information that can specify the card use date and time is information that can specify the date and time at which the card payment request information transmitted from the payment intermediary server 131 is received at the time measured by the clocking function of the external payment server 132. There may be.

  In this case, the information that can specify the card use date and time can be information that directly indicates the date and time when the card payment request information transmitted from the payment mediation server 131 is received. Specifically, it can be information directly indicating the date, such as “18:27 on May 1, 2010”. Further, the information that can specify the card use date and time can be set to “2011005011827” or the like if the use date and time is “18:27 on May 1, 2010”, for example. Moreover, the information regarding card payment includes the store terminal device ID of the store where the card was used, that is, the store where the card payment was made. In the first embodiment, the store terminal device ID is set for each store terminal device 130.

  In addition, the information related to the card payment includes, for example, the contents of each card payment such as the number of payments specified for each card payment, the usage amount for each card payment (use amount per card payment), the usage amount for a predetermined period, etc. It may include identifiable information. In the card settlement information database 600 shown in FIG. 6, the usage amount per month (current month) is stored as the usage amount for each predetermined period. Further, the information related to the card payment may include information that can specify the accumulated usage limit amount in a predetermined period such as one month.

  In the card settlement information database 600, the usage amount for a predetermined period that has already expired and the usage amount for a predetermined period that has not expired are stored as the usage amount for each predetermined period. The usage amount for a predetermined period that has not expired is unconfirmed, and is determined when the predetermined period (from the previous month 11 to the next month 10) has expired. In the card settlement information database 600, the usage amount for a predetermined period that has not expired is stored as a scheduled billing amount.

(Example of completed card payment information database)
Next, an example of the completion card payment information database 700 provided in the external payment server 132 will be described. FIG. 7 is an explanatory diagram showing an example of the completion card payment information database 700 provided in the external payment server 132.

  In FIG. 7, the completed card payment information database 700 provided in the external payment server 132 stores information related to completed card payment. Information regarding the completed card payment is registered in the completed card payment information database 700 every time the card payment is completed. The information related to card payment includes a card number.

  Further, the information related to the completed card payment includes information that can specify the completion date and time of the card payment. The information that can specify the completion date and time of the card payment can be, for example, the date and time information of the card payment (date and time information when the card is read) included in the card payment request information transmitted from the payment intermediary server 131.

  Alternatively, the information that can specify the date and time of card payment is information that can specify the date and time when the card payment request information transmitted from the payment intermediary server 131 is received at the time counted by the timekeeping function of the external payment server 132. There may be. Moreover, the information regarding the completed card payment includes information that can identify the store that uses the card, that is, the store that has made the card payment. The information that can specify the store where the card is used can be, for example, a store terminal device ID that identifies each store.

  In addition, information on the completed card payment includes, for example, the number of payments specified at the time of executing the card payment, the usage amount for each card payment (the usage amount per card payment), the usage amount for each predetermined period, etc. Information that can identify the contents of the settlement may be included. The predetermined period can be, for example, one month. In this case, the usage amount per month is stored.

  In the completion card settlement information database 700, the usage amount for a predetermined period that has already expired and the usage amount for a predetermined period that has not expired are stored as the usage amount for each predetermined period. The usage amount for a predetermined period that has not expired is unconfirmed, and is determined when the predetermined period (from the previous month 11 to the next month 10) has expired. In the completed card payment information database 700, the usage amount for a predetermined period that has not expired is stored as a billing scheduled amount.

  In the completed card payment information database 700, information related to completed card payment is stored for each card payment. Specifically, for example, when the card payment is performed three times on the same day using one card, the card payment for three cases associated with the card number of the card is completed in the completed card payment information database 700. Are stored as information related to completed card payments in one day.

  In the first embodiment, the database necessary for realizing the settlement means replacing the cash by the credit card has been described. However, the settlement means replacing the cash is not limited to that realized by the credit card. The settlement means instead of cash may be realized by a debit card, for example. Since a database necessary for realizing a settlement means instead of cash by a debit card and processing using the database are known techniques, description thereof will be omitted.

(Functional configuration of payment system 100)
Below, the functional structure of each part which comprises the payment system 100 of Embodiment 1 concerning this invention is demonstrated. FIG. 8 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the first embodiment of the present invention.

  In FIG. 8, the settlement system 100 according to the first embodiment of the present invention includes a store terminal device 120, a user terminal device 110, and a settlement mediation server 131. The payment system 100 according to the first embodiment of the present invention may further include an external payment server 132.

  In the payment system 100 according to the first embodiment of the present invention, a payment server can be realized by the payment intermediary server 131 and the external payment server 132. The store terminal device 120 includes a display unit 120a that displays the transaction number transmitted from the settlement server. The user terminal device 110 includes an input unit 110a for inputting a transaction number displayed on the display unit 120a of the store terminal device 120.

  Each function of the payment intermediary server 131 in the payment system 100 according to the first embodiment of the present invention includes a payment amount reception unit 801, a transaction number generation unit 802, a storage unit 803, a transaction number transmission unit 804, and a transaction number. It is realized by a receiving unit 805, an extracting unit 806, a transaction information transmitting unit 807, an authentication information receiving unit 808, an authentication processing unit 809, a settlement execution unit 810, and a notification unit 811.

  Payment amount receiving unit 801, transaction number generating unit 802, storage unit 803, transaction number transmitting unit 804, transaction number receiving unit 805, and extracting unit 806 that realize each function of the settlement intermediary server 131 according to the first embodiment of the present invention. The transaction information transmission unit 807, the authentication information reception unit 808, the authentication processing unit 809, the payment execution unit 810, and the notification unit 811 can be realized by each unit included in the computer device that implements the payment mediation server 131 and the external payment server 132. it can.

  The payment amount receiving unit 801 receives the payment amount that the user pays to the store from the store terminal device 120. When the store terminal device 120 receives a predetermined input operation by a store clerk or a user, the store terminal device 120 receives an input of a payment amount paid by the user to the store. Then, the shop terminal device 120 transmits the payment amount received (or payment amount information including information that can identify the payment amount) to the settlement mediation server 131. In addition to the payment amount, the store terminal device 120 includes information that can specify a store terminal device ID that identifies the store terminal device 120 that is a transmission source of the payment amount.

  The transaction number generation unit 802 generates a transaction number for the payment amount received by the payment amount reception unit 801. Each time the payment amount information is received by the payment amount receiving unit 801, the transaction number generation unit 802 generates a transaction number for the payment amount included in the payment amount information. The transaction number is information that can identify each settlement performed using the settlement system 100, and can be realized by, for example, a serial number indicating the order in which the payment amount information is received by the payment amount reception unit 801. .

  Alternatively, the transaction number may be generated based on the date and time when the payment amount information is received by the payment amount receiving unit 801, for example. Specifically, for example, when the date and time when payment amount information is received by the payment amount reception unit 801 is “15:49:25 on April 15, 2010”, the transaction number generation unit 802 stores the transaction “201004151554925”. A number can be generated.

  The storage unit 803 stores the transaction number generated by the transaction number generation unit 802 in association with the payment amount and the store terminal device ID. The storage unit 803 associates the transaction number generated by the transaction number generation unit 802, the payment amount included in the payment amount information received by the payment amount reception unit 801, and the store terminal device ID, and stores the transaction information table 500. To remember.

  For example, every time a transaction number is generated by the transaction number generation unit 802, the storage unit 803 stores the transaction number, the payment amount, and the store terminal device ID in association with each other in the transaction information table 500. In addition, for example, every time a transaction number is generated by the transaction number generation unit 802, the storage unit 803 associates the transaction number with a status flag and stores them in the transaction information table 500. The storage unit 803 appropriately updates the status flag in the transaction information table 500 so as to indicate “processing” or “completed” based on the content of communication with the user terminal device 110 or the store terminal device 120.

  The transaction number transmission unit 804 transmits the transaction number generated by the transaction number generation unit 802 to the store terminal device 120. The transaction number transmission unit 804 stores the transaction number generated by the transaction number generation unit 802 for the payment amount included in the payment amount information received by the payment amount reception unit 801, and the store terminal device included in the payment amount information. It transmits to the store terminal device 120 identified by the ID.

  Each time the transaction number generation unit 802 generates a transaction number, the transaction number transmission unit 804 transmits the generated transaction number to the corresponding store terminal device 120. Alternatively, each time the transaction number generated by the transaction number generation unit 802 is stored in the storage unit 803, the transaction number transmission unit 804 transmits the stored transaction number to the corresponding store terminal device 120. Good.

  When the store terminal device 120 receives the transaction number transmitted by the transaction number transmission unit 804, the store terminal device 120 visualizes and outputs the received transaction number. The store terminal device 120 generates, for example, a QR code (see reference numeral 1210 in FIG. 12) indicating the transaction number transmitted by the transaction number transmission unit 804, and the smartphone that realizes the store terminal device 120 using the generated QR code The transaction number is visualized by displaying it on the display 204 included in.

  In the first embodiment, the QR code indicating the transaction number transmitted by the transaction number transmission unit 804 is generated in the store terminal device 120, but the present invention is not limited to this. For example, in the payment intermediary server 131, a QR code indicating the transaction number transmitted by the transaction number transmission unit 804 is generated, and image data representing the QR code is downloaded from the payment intermediation server 131 to the store terminal device 120 and downloaded. The QR code image may be displayed on the display 204.

  The user terminal device 110 receives an input of a transaction number visualized by the store terminal device 120. For example, the following (i), (ii), or (iii) can be used for receiving the transaction number visualized by the store terminal device 120 in the user terminal device 110 and transmitting the user terminal device ID. A pattern is assumed.

(I)
The first pattern is that when the user terminal device 110 receives an input of a transaction number in the user terminal device 110, the transaction number and the user terminal device ID that have received the input are displayed in the payment intermediary server 131 (URL of ) Is installed in advance (hereinafter referred to as “settlement support application software”). The user activates the payment support application software and reads the QR code displayed on the display 204 of the store terminal device 120. The settlement support application software transmits the transaction number included in the read QR code to the settlement mediation server 131. The address of the payment intermediary server 131 as a transmission destination may be installed in the user terminal device 110 in advance together with the payment support application software, or may be included as a URL in the QR code displayed on the display 204.

(Ii)
In the second pattern, QR code reading software is installed in the user terminal device 110 in advance. The user activates QR code reading software and reads the QR code displayed on the display 204 of the store terminal device 120. The read QR code includes the URL of the payment intermediary server 131. The QR code reading software extracts the URL included in the read QR code, starts the payment support application software (browser), and passes the extracted URL to the started payment support application software. The payment support application software accesses the URL passed from the QR code reading software, that is, the payment mediation server 131. Upon this access, the payment support application software transmits the user terminal device ID as header information of the HTTP request to the payment mediation server 131.

(Iii)
In the third pattern, QR code reading software is installed in the user terminal device 110 in advance. The user activates QR code reading software and reads the QR code displayed on the display 204 of the store terminal device 120. The read QR code includes the URL of the payment intermediary server 131. The QR code reading software extracts the URL included in the read QR code, starts the payment support application software (browser), and passes the extracted URL to the started payment support application software. The payment support application software accesses the URL passed from the QR code reading software, that is, the payment mediation server 131 and transmits the corresponding user terminal device ID to the payment mediation server 131.

  The transaction number receiving unit 805 receives from the user terminal device 110 the transaction number transmitted by the transaction number transmitting unit 804 and the user terminal device ID to which the transaction number is input. When the transaction number is received by the transaction number receiving unit 805, the extracting unit 806 refers to the transaction information table 500, and the payment amount and the store terminal device ID corresponding to the transaction number received by the transaction number receiving unit 805 Are extracted from the transaction information table 500.

  The transaction information transmission unit 807 transmits transaction information including the payment amount extracted by the extraction unit 806 and store information related to the store terminal device ID to the user terminal device 110. The store information can be a store name associated with the store terminal device ID, for example. The store information may include, for example, the location of the store associated with the store terminal device ID. The store information is associated with the store terminal device ID in advance in the HD 305 provided in the payment intermediary server 131, for example. It is remembered.

  Further, the transaction information transmitting unit 807 stores the transaction number included in the transaction information transmitted to the user terminal device 110 and the remittance source account number specified by the transaction number in the transaction information table 500. As shown, the information stored in the transaction information table 500 is updated.

  Further, for example, the transaction information transmission unit 807 refers to the status flag in the transaction information table 500, and the status flag associated with the transaction number and the user terminal device ID received by the transaction number receiving unit 805 is “completed”. When the authentication information related to the transaction information is received, it is determined as “erroneous operation at user terminal device 110”, “communication error”, etc., and the received transaction number and user terminal device ID are ignored (payment amount) And transaction information will not be sent).

  Further, the transaction information transmission unit 807 refers to the transaction information registration date and time in the transaction information table 500, for example, the transaction number received by the transaction number receiving unit 805 and the date and time when the user terminal device ID is received are the transaction number. If the transaction information received by the receiving unit 805 and the transaction information registration date and time associated with the user terminal device ID are not less than a predetermined time, it is determined as “an erroneous operation in the user terminal device 110”, “a communication error”, or the like. The received transaction number and user terminal device ID are ignored (payment amount and transaction information are not transmitted).

  For example, when the transaction number is received by the transaction number receiving unit 805, the transaction information transmitting unit 807 transmits the transaction information to the user terminal device 110 that is the transmission source of the transaction number received by the transaction number receiving unit 805. Send. The user terminal device 110 that is the transmission source of the transaction number can be identified by the address that is transmitted together with the transaction number and is assigned to the user terminal device 110 that is the transmission source of the transaction number. The transaction information transmission unit 807 may transmit transaction information including a transaction number associated with the payment amount to be transmitted to the user terminal device 110.

  Upon receiving the transaction information, the user terminal device 110 (the payment support application software) executes the payment support application software, and based on the received transaction information, stores the store information such as the store name and the payment amount. And displayed on the display 204 included in the smartphone that implements the user terminal device 110. The user confirms the store name and the payment amount displayed on the display 204 provided in the smartphone that implements the user terminal device 110, and inputs identity verification information when executing settlement.

  The identity verification information can be information that can identify the user of the payment system 100 in the payment intermediary server 131. For example, the user identification information is provided on the smartphone that realizes the user terminal device 110 according to the display screen (see FIG. 24) displayed on the display 204 provided on the smartphone that implements the user terminal device 110. An input can be performed by performing a predetermined input operation on the keyboard 205. Specifically, the personal identification information can be a password registered in the account information table 400, for example.

  The identity verification information may be, for example, the name, password, and card number of the user registered in the account information table 400. The identity verification information may be, for example, an arbitrarily set membership number. The identity verification information may be one of the above password, user name, password, card number, or membership number, or information that combines two or more passwords, passwords, membership numbers, etc. There may be.

  Or identity verification information may be signature information, for example. In this case, the user inputs sign information using, for example, a touch panel (touch pad). The touch panel (touch pad) is not limited to the one provided in the smartphone that implements the user terminal device 110, but may be implemented by an external device connected to the smartphone that implements the user terminal device 110. When the personal identification information is signature information, the account information table 400 stores the signature information in association with the member identification information of the user.

  When the user identification information is input, the user terminal device 110 (its payment support application software) transmits authentication information for the transaction information received by the user terminal device 110 to the payment mediation server 131. The authentication information is information indicating that the user has authenticated (approved) the settlement (transaction) indicated by the transaction information (payment amount, etc.) received at the user terminal device 110. Information indicating that confirmation information or identification information has been input can be used.

  The user terminal device 110 (settlement support application software) transmits the transaction number included in the transaction information received from the settlement mediation server 131 together. As a result, the payment intermediary server 131 can determine which payment (transaction) is the identity verification information based on the information transmitted from the user terminal device 110.

  Further, in the operation of the payment system 100, the user terminal device 110 (the payment support application software thereof) performs a predetermined input operation after the input of the personal identification information, so that the input of the personal verification information is performed. When the transmission instruction is accepted, the authentication information may be transmitted to the settlement intermediary server 131. Thereby, it can suppress that authentication information is transmitted to the payment mediation server 131 accidentally, and authentication information can be transmitted only when authenticated by the user.

  Alternatively, the user terminal device 110 (its payment support application software) transmits authentication information including either information indicating that the user himself / herself has been authenticated or information indicating that the user himself / herself has not been authenticated. It may be. As a result, it is possible to prevent erroneous authentication information from being transmitted to the payment intermediary server 131, and it is possible to transmit authentication information only when the user is surely authenticated.

  The authentication information receiving unit 808 receives authentication information for transaction information from the user terminal device 110. The authentication information receiving unit 808 receives authentication information for the transaction information transmitted by the transaction information transmitting unit 807 from the user terminal device 110. Based on the status flag in the transaction information table 500, whether or not the transaction information transmitted from the transaction information transmission unit 807 is the transaction information that has not received the corresponding authentication information is “processing”. Alternatively, the determination can be made based on whether or not “completion” is set. For example, when the authentication information regarding the transaction information whose status flag in the transaction information table 500 is “completed” is received, the authentication information receiving unit 808 determines that “an erroneous operation in the user terminal device 110”, “a communication error”, or the like. Then, the authentication information received repeatedly is ignored (not received).

  Further, when the authentication information is transmitted from the user terminal device 110, the authentication information receiving unit 808 refers to the transaction information table 500, and the current time is associated with the transaction information corresponding to the received authentication information. If it is within a predetermined time from the transaction information registration date and time, the authentication information is received. Alternatively, when the authentication information is transmitted from the user terminal device 110, the authentication information receiving unit 808 refers to the transaction information table 500, and the current time is associated with the transaction information corresponding to the received authentication information. If a predetermined time or more has elapsed since the transaction information registration date and time, the authentication information is not received and the authentication information transmitted from the user terminal device 110 is ignored.

  The authentication processing unit 809 performs authentication processing based on the authentication information received by the authentication information receiving unit 808. The authentication processing unit 809 refers to the account information table 400 based on the identity confirmation information included in the authentication information received by the authentication information receiving unit 808 during the authentication process, and the user who is the transmission source of the authentication information (Users permitted (approved) to execute transactions) are identified, and the account balance of the identified users is extracted.

  In the authentication process, the authentication processing unit 809 specifies the transaction information authenticated by the specified user, and specifies the payment amount included in the specified transaction information. Then, with reference to the account information table 400, the specified account balance of the user is compared with the specified payment amount to determine whether the account balance is equal to or greater than the payment amount.

  The settlement execution unit 810 executes settlement when authentication processing is performed by the authentication processing unit 809. The settlement execution unit 810 transfers the payment amount from a user account provided in advance to a store account. Specifically, the settlement execution unit 810 refers to the transaction information table 500 when authentication is performed by the authentication processing unit 809, and stores information related to the transaction specified by the authentication information received by the authentication information receiving unit 808. Extract. Further, the settlement execution unit 810 refers to the account information table 400 and identifies the user and the store involved in the transaction specified by the authentication information received by the authentication information receiving unit 808. Then, the settlement execution unit 810 executes settlement by transferring the amount of funds corresponding to the amount of payment between the identified user account and the store account using the information relating to the extracted transaction. .

  The notification unit 811 notifies at least one of the user terminal device 110 and the store terminal device 120 that the payment is executed by the payment execution unit 810. The notification unit 811 may notify both the user terminal device 110 and the store terminal device 120 that the payment has been executed by the payment execution unit 810. The notification content notified by the notification unit 811 may be any information that guides the result of execution of the payment by the payment execution unit 810, and may be different between the user terminal device 110 and the store terminal device 120.

  Specifically, for example, the notification unit 811 notifies the user terminal device 110 of the content “settlement has been completed. Thank you for your use.” You may be notified that the transaction number is 1122. In addition, the notification unit 811 notifies the user terminal device 110 of the name of the store where the payment has been made, such as “Thank you for using the payment. Also good. Moreover, the notification part 811 may notify the date and time when payment was made, for example.

  The settlement execution unit 810 described above is not limited to executing settlement by transferring funds between a user account and a store account. The settlement execution unit 810 may execute settlement in the settlement execution unit 810, for example, by mediating credit settlement with a credit card.

  When mediating credit settlement using a credit card, for example, processing can be performed using a card number and a password registered in advance in the account information table 400. When mediating credit settlement using a credit card, for example, processing may be performed using a personal identification number input to the user at the timing of inputting personal identification information.

  Specifically, when mediating credit settlement using a credit card, for example, the identity confirmation information is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 by the user terminal device 110 (its settlement support application software). In addition to, a screen prompting for the card number is displayed. When the authentication information receiving unit 808 receives the authentication information including the identification information and the card number input according to the screen displayed on the display 204, the payment execution unit 810 requests the external payment server 132 to make a card payment request. Send. This card settlement request includes the card number and payment amount of the user who requests credit settlement in the external settlement server 132.

  The external payment server 132 refers to the card information database based on the card payment request transmitted by the payment execution unit 810, and the user specified by the card number included in the card payment request It is determined whether or not the credit settlement included in the payment amount is possible. Specifically, for example, the external settlement server 132 specifies the expiration date of the corresponding card number based on the card number, and determines whether the card is within the expiration date. If credit settlement is possible, a predetermined credit settlement process is performed, and the result of the process is transmitted to the settlement mediation server 131 (settlement execution unit 810).

  When the credit settlement is impossible, the external settlement server 132 may transmit information indicating that the credit settlement is impossible to the settlement mediation server 131 (its settlement execution unit 810). The settlement execution unit 810 receives the result of the process transmitted from the external settlement server 132 to the settlement mediation server 131 as a result of transmitting the card settlement request.

  When the payment execution unit 810 transmits a card payment request to the external payment server 132, the notification unit 811 transmits the card payment request, and as a result of the process received from the external payment server 132 by the payment execution unit 810. Is notified to at least one of the user terminal device 110 and the store terminal device 120.

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the first embodiment of the present invention will be described. 9, 10, 11, 12, 13, 14, 15, 15, 16, 17, 18 and 19 show the processing procedure of the settlement system 100 according to the first embodiment of the present invention. It is explanatory drawing shown.

  9, 10, 11, 12, 13, 14, 15, 15, 16, 17, 18 and 19 using the settlement system 100 according to the first embodiment of the present invention. At that time, the store terminal device 120 requests the payment intermediary server 131 to generate a QR code for the product or service that the user (purchaser) intends to purchase (see the arrow 900 in FIGS. 9 and 19). ). The store terminal device 120 requests the payment intermediary server 131 to generate a QR code by transmitting the payment amount and the store terminal device ID. The shop terminal device 120 may request generation of a URL address instead of the QR code.

  In stores, the amount of goods and services may fluctuate from day to day, so QR codes or URL addresses are not generated in advance by batch processing, and every time payment using the payment system 100 is performed, The store terminal device 120 requests the payment intermediary server 131 to generate a QR code or a URL address.

  When the payment intermediary server 131 receives the payment amount from the store terminal device 120, it generates a transaction number. Then, the generated transaction number and the received payment amount are associated and stored in the transaction information table 500 (see arrow 1000 in FIG. 10). Further, the settlement intermediary server 131 identifies the store account number based on the store terminal device ID received together with the payment amount, and uses the identified account number as the remittance destination account number in association with the transaction number in the transaction information table 500. To remember. Then, the settlement intermediary server 131 transmits the generated transaction number to the store terminal device 120 that is the source of the payment amount (see arrow 1100 in FIGS. 11 and 19).

  Upon receiving the transaction number transmitted from the settlement intermediary server 131, the store terminal device 120 generates a QR code indicating the received transaction number and displays the generated QR code (see arrow 1200 in FIG. 12). . The user inputs the transaction number to the user terminal device 110 by reading the QR code 1210 displayed on the store terminal device 120 (see the arrow 1300 in FIGS. 13 and 19).

  The user terminal device 110 transmits the transaction number input by reading the QR code 1210 to the settlement mediation server 131 (see the arrow 1400 in FIGS. 14 and 19). The user terminal device 110 transmits the user terminal device ID of the user terminal device 110 to the payment mediation server 131 in addition to the transaction number.

  When receiving the transaction number transmitted from the user terminal device 110, the payment intermediary server 131 extracts the payment amount and the store terminal device ID corresponding to the received transaction number from the transaction information table 500 (arrow in FIG. 15). 1510). Then, the settlement intermediary server 131 transmits transaction information including the extracted payment amount and store information relating to the store terminal device ID to the user terminal device 110 (see an arrow 1520 in FIGS. 15 and 19).

  Whether the payment intermediary server 131 receives the transaction number transmitted from the user terminal device 110, extracts the payment amount and the store terminal device ID based on the transaction information registration date / time and the status flag in the transaction information table 500 The payment amount corresponding to the transaction number transmitted from the user terminal device 110 and the store terminal device ID are extracted according to the determination result.

  The settlement intermediary server 131, for example, if the date and time when the transaction number is received is within a predetermined time from the transaction information registration date and time corresponding to the corresponding transaction number, and the payment amount and store terminal device corresponding to the received transaction number The ID is extracted from the transaction information table 500. Alternatively, the payment intermediary server 131 may, for example, set the payment amount and store terminal corresponding to the received transaction number when the status flag associated with the received transaction number indicates “processing”. The device ID is extracted from the transaction information table 500.

  Further, for example, when the date and time when the transaction number is received is the date and time when a predetermined time or more has passed since the transaction information registration date and time corresponding to the transaction number, the settlement intermediary server 131 extracts the payment amount and the store terminal device ID. Don't do it. Further, for example, when the status flag associated with the received transaction number indicates “completed”, the settlement intermediary server 131 does not extract the payment amount and the store terminal device ID.

  In addition, when the transaction intermediary server 131 receives the transaction number transmitted from the user terminal device 110, the transaction intermediary server 131 stores the transaction information in a state where the received transaction number is associated with the remittance source account number specified by the transaction number. The information stored in the transaction information table 500 is updated so as to be stored in the table 500.

  Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information (see FIG. 24). The user confirms the store name and the payment amount, and inputs the person confirmation information when executing settlement. When the user identification information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the payment intermediary server 131 (see the arrow 1600 in FIGS. 16 and 19). ).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400 (see an arrow 1710 in FIG. 17). Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132 (arrows in FIGS. 17 and 19). 1720).

  When receiving the authentication information, the settlement intermediary server 131 determines whether or not to perform authentication processing based on the transaction information registration date and status flag in the transaction information table 500 and the status flag, and performs authentication processing based on the determination result. For example, the settlement intermediary server 131 performs an authentication process based on the received authentication information when the date and time when the authentication information is received is within a predetermined time from the transaction information registration date and time corresponding to the corresponding authentication information. Alternatively, for example, when the status flag associated with the received authentication information indicates “processing”, the settlement intermediary server 131 performs an authentication process based on the received authentication information.

  For example, the settlement intermediary server 131 does not perform the authentication process when the date and time when the authentication information is received is the date and time when a predetermined time or more has elapsed from the transaction information registration date and time corresponding to the corresponding authentication information. Further, for example, the settlement intermediary server 131 does not perform the authentication process when the status flag associated with the received authentication information indicates “complete”.

  Thereafter, the settlement intermediary server 131 transmits a settlement result notification indicating the result of the settlement to at least one of the user terminal device 110 and the store terminal device 120 (see arrows 1810 and 1820 in FIGS. 18 and 19). ). Thereby, it is possible to inform the user or the store that the settlement has been completed.

  When the settlement result notification is transmitted only to the user terminal device 110 or only to the store terminal device 120, the received one (for example, the user) shows the received settlement result notification to the other (for example, the store clerk). The payment system 100 may be operated. The payment intermediary server 131 may transmit a payment result notification to both the user terminal device 110 and the store terminal device 120.

(Example of display screen of store terminal device 120)
Below, the example of a display screen of the shop terminal device 120 in the payment system 100 of Embodiment 1 concerning this invention is demonstrated. 20, FIG. 21 and FIG. 22 are explanatory diagrams showing examples of display screens of the shop terminal device 120 in the settlement system 100 according to the first embodiment of the present invention.

  In FIG. 20, a display screen 2000 displays a store name and a payment amount. The display screen 2000 is displayed on the display 204 provided in the smartphone that realizes the store terminal device 120 when the payment amount is input. On the display screen 2000, the store name is displayed in advance, and the payment amount is input by the store (the clerk). Further, the display screen 2000 displays a numeric key and an “OK” key for inputting a payment amount. The store (the clerk) can input the payment amount by operating these keys displayed on the display screen 2000.

  In FIG. 21, the display screen 2100 displays the payment amount and transaction number input by the store (the clerk) in addition to the store name and the payment amount. The display screen 2100 is a smartphone that implements the store terminal device 120 when it receives the transaction number generated in the payment intermediary server 131 as a result of the payment amount input on the display screen 2000 being transmitted to the payment intermediation server 131. It is displayed on the display 204 provided. The QR code 1210 indicating the transaction number is generated, for example, in a smartphone that implements the store terminal device 120. Alternatively, the QR code 1210 indicating the transaction number may be generated in the payment intermediary server 131, for example.

  In FIG. 22, the display screen 2200 displays a message indicating that the transaction indicated by the store name, the payment amount, and the transaction number is completed in addition to the store name, the payment amount, and the transaction number. The display screen 2200 is displayed on the display 204 provided in the smartphone that implements the store terminal device 120 when payment is executed in the payment mediation server 131 and a payment result notification is received from the payment mediation server 131.

(Example of display screen of user terminal device 110)
Below, the example of a display screen of the user terminal device 110 in the payment system 100 of Embodiment 1 concerning this invention is demonstrated. 23, 24, and 25 are explanatory diagrams showing examples of display screens of the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention.

  In FIG. 23, a display screen 2300 displays a user name and a message for instructing the user to input a transaction number. The display screen 2300 is, for example, a message for instructing reading of the QR code 1210 indicating the transaction number, such as “Please hold the QR code in the frame below”, or the position and size of the QR code 1210 to be read (use The user inputs a transaction number by displaying a frame image that guides the distance between the person terminal device 110 and the QR code 1210). The display screen 2300 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the payment support application software is activated in the user terminal device 110.

  In FIG. 24, a display screen 2400 displays a user name, a use store name, and a payment amount. On the display screen 2400, for example, "I will make a payment. Enter your password and press OK." Numeric keys and “OK” key are displayed. The user can input identification information (for example, a personal identification number) by operating these keys displayed on the display screen 2400. The display screen 2400 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the transaction information transmitted from the payment intermediary server 131 is received.

  In FIG. 25, the display screen 2500 displays a message indicating that the transaction indicated by the user name, the use store name, and the payment amount is completed in addition to the user name, the use store name, and the payment amount. The display screen 2500 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when payment is executed in the payment mediation server 131 and a payment result notification is received from the payment mediation server 131.

  In the settlement system 100, the display screens 2000, 2100, 2200, 2300, 2400, and 2500 are displayed in the order of display screen 2000 → display screen 2100 → display screen 2300 → display screen 2400 → display screen 2200 and display screen 2500. . Display screen 2200 and display screen 2500 are displayed at the same timing in store terminal device 120 and user terminal device 110, respectively. The display timings of the display screen 2200 and the display screen 2500 may be shifted depending on the communication state between the store terminal device 120 and the payment intermediary server 131 and the communication state between the user terminal device 110 and the payment intermediation server 131.

(Processing procedure of store terminal device 120)
Next, a processing procedure of the store terminal device 120 in the settlement system 100 according to the first embodiment of the present invention will be described. FIG. 26 is a flowchart showing a processing procedure of the store terminal device 120 in the settlement system 100 according to the first embodiment of the present invention.

  In the flowchart of FIG. 26, first, the shop terminal device 120 in the settlement system 100 according to the first embodiment of the present invention determines whether or not an input of a payment amount has been accepted (step S2601). When the payment amount input is not received (step S2601: No), the process waits until the payment amount input is received.

  In step S2601, when the input of the payment amount is accepted (step S2601: Yes), the process waits until there is an instruction to send the input payment amount to the settlement mediation server 131 (step S2602: No). If there is the transmission instruction (step S2602: YES), the payment amount received in step S2601: YES is transmitted to the settlement intermediary server 131 (step S2603).

  Next, it is determined whether or not the transaction number transmitted from the settlement mediation server 131 has been received as a result of transmitting the payment amount in step S2603 (step S2604). When the transaction number transmitted from the settlement intermediary server 131 is received (step S2604: Yes), the received transaction number is output (step S2605). In step S2605, a QR code 1210 indicating the received transaction number is generated, and the generated QR code 1210 is displayed on the display 204 included in the smartphone that implements the store terminal device 120, thereby outputting the transaction number.

  Thereafter, it is determined whether or not a settlement result notification transmitted from the settlement intermediary server 131 is received (step S2606). When a settlement result notification is received (step S2606: Yes), the settlement result is notified (step S2607). ), A series of processing ends. If the settlement result notification is not received in step S2606 (step S2606: No), it is determined whether or not a predetermined time has elapsed since the transaction number was output in step S2605 (step S2608). If the predetermined time has not elapsed since the transaction number was output in step S2605 (step S2608: No), the process returns to step S2606.

  In step S2608, when a predetermined time has elapsed since the transaction number was output in step S2605 (step S2608: Yes), the series of processing ends. In the payment system 100, in a situation where a payment result notification is transmitted from the payment intermediary server 131 to the store terminal device 120, when a predetermined time has elapsed since the transaction number was output in step S2605 It may be determined that a communication error or the like has occurred, and predetermined error processing such as error notification may be performed.

  In step S2604, if the transaction number transmitted from the settlement intermediary server 131 is not received as a result of transmitting the payment amount in step S2603 (step S2604: No), a predetermined time after transmitting the payment amount in step S2603 It is determined whether or not elapses (step S2609). In step S2609, when the predetermined time has not elapsed since the payment amount was transmitted in step S2603 (step S2609: No), the process returns to step S2604.

  In step S2609, when a predetermined time has elapsed since the payment amount was transmitted in step S2603 (step S2609: Yes), the series of processing ends. In step S2609, if a predetermined time has elapsed since the payment amount was transmitted in step S2603 (step S2609: Yes), it is determined that a communication error has occurred, and predetermined error processing such as error notification is performed. May be.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the first embodiment of the present invention will be described. FIG. 27 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the first embodiment of the present invention.

  In the flowchart of FIG. 27, first, the payment intermediary server 131 in the payment system 100 according to the first embodiment of the present invention determines whether or not the payment amount transmitted from the store terminal device 120 has been received (step S2701). . If the payment amount transmitted from the store terminal device 120 has not been received (step S2701: No), the process waits until it is received.

  In step S2701, when the payment amount transmitted from the shop terminal device 120 is received (step S2701: Yes), a transaction number is generated (step S2702), and the generated transaction number is stored (step S2703). In step S2703, the transaction number generated in step S2702 is associated with the payment amount and the store terminal device ID, and stored in transaction information table 500. And the transaction number produced | generated in step S2702 is transmitted with respect to the shop terminal device 120 used as the transmission origin of the payment amount received in step S2701: Yes (step S2704).

  Next, it is determined whether the transaction number and the user terminal device ID are received from the user terminal device 110 (step S2705). When the transaction number and the user terminal device ID are received (step S2705: Yes), the transaction information table 500 is referred to based on the received transaction number and the user terminal device ID, and the payment amount and the store terminal device ID. Is extracted (step S2706).

  Then, the transaction information table 500 is updated based on the payment amount extracted in step S2706 and the store terminal device ID (step S2707). In step S2707, transaction information is generated based on the payment amount and the store terminal device ID extracted in step S2706, and the transaction number transmitted from the user terminal device 110 and the remittance specified by the transaction number are included. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state in which the original account number is associated.

  Further, in step S2707, based on the received transaction number and user terminal device ID, it is determined whether or not to update the transaction information table 500 by referring to the transaction information registration date and time and the status flag in the transaction information table 500. To do. Specifically, in step S2707, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time included within a predetermined time from the transaction information registration date and time in the transaction information table 500, The transaction information table 500 is updated. Alternatively, specifically, in step S2707, for example, the status flag in the transaction information table 500 is referred to, and the transaction information table 500 is updated when the status flag in the transaction information table 500 indicates “processing”.

  Specifically, in step S2707, for example, when the transaction information registration date and time in the transaction information table 500 is referred to and the current date and time is a date and time that has passed a predetermined time or more from the transaction information registration date and time in the transaction information table 500, A series of processes may be terminated without updating the transaction information table 500. Alternatively, specifically, in step S2707, for example, the status flag in the transaction information table 500 is referred to. If the status flag in the transaction information table 500 indicates “complete”, the transaction information table 500 is not updated, Processing may be terminated.

  Next, in step S2705: Yes, the generated transaction information is transmitted to the user terminal device 110, which is the transmission source of the transaction number and user terminal device ID received (step S2708). And it is judged whether the authentication information transmitted from the user terminal device 110 was received as a result of transmitting transaction information in step S2708 (step S2709). When the authentication information transmitted from the user terminal device 110 is received (step S2709: YES), the authentication process is executed based on the received authentication information (step S2710).

  Next, it is determined whether or not the authentication performed in step S2710 is OK, that is, whether or not the result of the authentication process executed based on the authentication information received in step S2709: Yes is permitted. (Step S2711). If the authentication is not OK (step S2711: NO), the process proceeds to step S2719.

  If the authentication is OK in step S2711 (step S2711: YES), it is determined whether or not the card number is included in the authentication information received in step S2709: YES (step S2712). If the card number is not included in the authentication information received in step S2709: Yes (step S2712: No), it is associated with the corresponding account number based on the authentication information received in step S2709: Yes. It is determined whether the account balance is equal to or greater than the payment amount (step S2713).

  In step S2713, when the account balance associated with the corresponding account number is equal to or greater than the payment amount (step S2713: Yes), the process proceeds to step S2716. On the other hand, in step S2713, when the account balance associated with the corresponding account number is not equal to or more than the payment amount (step S2713: No), the process proceeds to step S2719.

  In step S2712, if the authentication information received in step S2709: Yes contains a card number (step S2712: YES), a card payment request is transmitted to the external payment server 132 (step S2714). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S2715).

  If the external payment server 132 returns OK in response to the card payment request transmitted to the external payment server 132 in step S2715 (step S2715: Yes), the process proceeds to step S2716. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S2715: No), the process proceeds to step S2719.

  In step S2716, settlement is executed based on the result of the authentication process (step S2716). In step S2716, for example, in the case of passing through step S2713: Yes, settlement is executed by transferring funds between the user's account and the store's account. Further, in step S2716, for example, in the case of passing through step S2715: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Thereafter, a payment result notification indicating the result of the payment executed in step S2716 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in step S2709: Yes (step S2717). Terminate the process.

  In step S2717, the status flag of the corresponding transaction information in the transaction information table 500 is updated to “completed”. The status flag updated in step S2717 does not indicate only “processing” and “completed”. For example, when a series of processing ends with an error as in step S2719 described later, “error” is set. It may be shown.

  On the other hand, when the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S2708 in step S2709 (step S2709: No), the transaction information is transmitted in step S2708. It is determined whether or not a predetermined time has elapsed (step S2718). If the predetermined time has not elapsed (step S2718: NO), the process returns to step S2709.

  In step S2718, if a predetermined time has elapsed since the transaction information was transmitted in step S2708 (step S2718: YES), it is determined that the user has not been authenticated or a communication error has occurred, and the process Predetermined error processing such as notification of completion or error notification is performed (step S2719), and the series of processing ends.

  In step S2719, for example, if step S2713: No is passed, an error message indicating that settlement cannot be performed because the account balance associated with the corresponding account number is not equal to or greater than the payment amount is displayed in step S2709: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information received in step S1 is performed.

  In step S2719, for example, if step S2715: No is passed, the external payment server 132 receives an error message indicating that card payment in the external payment server 132 is impossible in step S2709: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information is performed.

  If the transaction number and the user terminal device ID are not received from the user terminal device 110 in step S2705 (step S2705: No), whether or not a predetermined time has elapsed since the transaction number was transmitted in step S2704. Is determined (step S2720). If the predetermined time has not elapsed since the transaction number was transmitted in step S2704 (step S2720: No), the process returns to step S2705. When a predetermined time has elapsed since the transaction number was transmitted in step S2704 (step S2720: Yes), the process proceeds to step S2719.

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention will be described. FIG. 28 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention.

  In the flowchart of FIG. 28, first, the user terminal device 110 in the settlement system 100 according to the first embodiment of the present invention determines whether or not a transaction number has been input (step S2801). The transaction number can be input, for example, by reading the QR code 1210 displayed by the store terminal device 120 using the camera 208 provided in the smartphone that implements the user terminal device 110. As the transaction number, a numerical value indicating the transaction number may be directly input by operating the keyboard 205 provided in the smartphone that implements the user terminal device 110.

  In step S2801, when the transaction number is not input (step S2801: No), it waits until it is input. When the transaction number is input (step S2801: Yes), the input transaction number and the user terminal device ID into which the transaction number is input are transmitted to the settlement intermediary server 131 (step S2802).

  Next, as a result of transmitting the transaction number in step S2802, it is determined whether or not the transaction information transmitted from the settlement mediation server 131 has been received (step S2803). If the transaction information transmitted from the payment intermediary server 131 has not been received (step S2803: No), it waits until it is received.

  In step S2803, it is determined whether or not a predetermined time has elapsed since the transaction number was transmitted in step S2802, and transmitted from the settlement intermediary server 131 even if the predetermined time has elapsed since the transaction number was transmitted in step S2802. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please read the QR code 1210 again” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S2803, when the transaction information transmitted from the settlement mediation server 131 is received as a result of transmitting the transaction number in step S2802 (step S2803: Yes), the display 204 provided in the smartphone that implements the user terminal device 110 is displayed. Step S2803: The transaction information received in Yes is displayed (Step S2804).

  Next, it waits until the input of identity verification information is accepted (step S2805: No), and when the identity verification information is input (step S2805: Yes), it is determined whether or not there is an instruction to send the transaction number and the identity verification information. Determination is made (step S2806). If there is no transmission instruction for the transaction number and the identity verification information (step S2806: No), the process waits until the transmission instruction is received. If there is an instruction to send the transaction number and the identity verification information (step S2806: Yes), the authentication information is generated (step S2807), and the generated authentication information is transmitted to the payment intermediary server 131 (step S2808). ).

  Then, it is determined whether or not the settlement result notification transmitted from the settlement mediation server 131 has been received (step S2809). When the settlement result notification transmitted from the settlement intermediary server 131 is received (step S2809: Yes), the settlement result is notified based on the received settlement result notification (step S2810), and the series of processes is terminated.

  In step S2809, when the payment result notification transmitted from the payment intermediary server 131 is not received (step S2809: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S2808. (Step S2811). If the predetermined time has not elapsed since the authentication information was transmitted in step S2808 (step S2811: No), the process returns to step S2809.

  In step S2811, when a predetermined time has elapsed since the authentication information was transmitted in step S2808 (step S2811: YES), a message prompting confirmation that payment has been completed is notified (step S2812), Terminate the process. In step S2812, for example, a message such as “Please confirm that payment has been completed correctly” or “Please check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

  As described above, in the settlement system 100 according to the first embodiment of the present invention, the problems caused by the conventional settlement method can be solved by the following functions. That is, at the time of settlement by the settlement system 100 according to the first embodiment of the present invention, a credit card or the credit card is obtained by performing settlement by reading the QR code 1210 displayed by the store using the user terminal device 110. This makes it possible to make online payment at a store without using a dedicated terminal for reading the information.

  In a store, it is assumed that the amount of goods and services varies from day to day, so it is not possible to generate a URL address or QR code 1210 in advance by batch processing. For this reason, in the conventional settlement method, it is difficult to simplify the settlement by applying a settlement method using the QR code 1210 for goods and services that fluctuate daily. In contrast, in the settlement system 100 according to the first embodiment of the present invention, the store or the store stores the URL address or the address of the product or service to be purchased by the user on the spot (in real time). The generation of the QR code 1210 can be requested.

  Further, there is a demand for a store that provides a product or service to hand over the product after confirming the payment status on the spot where the product or service is provided (settlement is performed). In recent years, since unauthorized use of personal information has prevailed, users have a desire not to inform stores of their personal information. And in the settlement at the storefront, it is enough for the store to confirm the payment on the spot providing the product or service (performing settlement), and it is necessary to know who the user (the purchaser) is. There was no current situation.

  In the payment system 100 according to the first embodiment of the present invention, the payment intermediary server 131 notifies the store of the payment status in real time (immediately), and the store side uses the information notified from the payment intermediation server 131 to identify the user's personal information You can check the payment status and product information without confirming your payment. Thereby, the payment status can be confirmed with respect to the store on the spot where the product or service is provided (settlement is performed) without notifying the store of the user's personal information.

  When the payment system 100 according to the first embodiment of the present invention is actually operated, a plurality of payment result notifications (payment confirmation e-mails, etc.) are transmitted from the payment intermediary server 131, and the order of the procedures and the payment confirmation e-mail are stored in the store. It is assumed that the order received by the terminal device 120 is different (congestion / arrives before and after). In the settlement system 100 according to the first embodiment of the present invention, the store side can easily match the actual product with the payment confirmation mail based on the information notified from the settlement mediation server 131. Can be prevented.

  When using the settlement system 100 according to the first embodiment of the present invention to make a settlement by a method in which a user sends money to a store for merchandise sales, the following (1-1) to (1-13) Settlement is performed according to the procedure.

(1-1) The user notifies the store of the payment method. Specifically, for example, the payment method can be notified by specifying the payment method verbally, such as “debit payment”, “credit payment by the external payment server 132”, and the like.
(1-2) The store inputs a payment amount (remittance amount) for settlement from the store terminal device 120 that has logged in beforehand, and notifies the settlement intermediary server 131 of it.
(1-3) The settlement intermediary server 131 assigns a transaction number, and stores the transaction number, the remittance account number, and the payment amount (remittance amount) in the transaction information table 500.
(1-4) The settlement intermediary server 131 notifies the store terminal device 120 of the transaction number.
(1-5) The store terminal device 120 visualizes the transaction number. Specifically, for example, it is visualized by displaying or printing a QR code 1210 indicating a transaction number. Specifically, for example, the transaction number itself is displayed or printed for visualization.
(1-6) The user inputs a transaction number using the user terminal device 110. Specifically, for example, the transaction number is input by reading the QR code 1210 displayed by the store terminal device 120 using the user terminal device 110. Alternatively, specifically, for example, the transaction number displayed by the shop terminal device 120 is directly input to the user terminal device 110 directly, thereby inputting the transaction number.
(1-7) The user terminal device 110 accesses the payment mediation server 131 and notifies the transaction number.
(1-8) The settlement intermediary server 131 notifies the user terminal device 110 of information related to the remittance destination store and the payment amount (remittance amount).
(1-9) The user terminal device 110 displays information (store name or the like) regarding the remittance destination store and a payment amount (remittance amount).
(1-10) The user confirms that there is no problem in the information notified via the user terminal device 110, and inputs identification information such as a password and a signature.
(1-11) The user terminal device 110 notifies the payment intermediary server 131 of the personal identification information, and the payment intermediary server 131 confirms that there is no problem with the notified personal identification information.
(1-12) The settlement intermediary server 131 transfers funds (transfers money) between account information (or requests settlement to the external settlement server 132 using information such as a card member number).
(1-13) The settlement intermediary server 131 notifies at least one of the user terminal device 110 and the store terminal device 120 that the transaction has been completed.

  As described above, in the settlement in the settlement system 100 according to the first embodiment, the process of inputting the personal identification information is provided, but the process of inputting the personal identification information is not necessarily performed. For example, in the case where “the store can be trusted in advance” and “the settlement is a small amount (less than a predetermined amount)”, the input of the identification information is omitted, and after confirming the store name and the amount, the “OK” key is pressed. It is good also as a procedure only to operate. Further, in addition to the input of the personal identification information, a procedure for receiving authentication information from the user terminal device 110, an authentication process based on the received authentication information, and the like may be omitted.

  In the settlement system 100 of the first embodiment described above, for example, the QR code 1210 indicating the transaction number transmitted by the transaction number transmission unit 804 is displayed on the store terminal device 120, and settlement is performed using the QR code 1210. However, it is not limited to this. In the payment system 100 according to the first embodiment of the present invention, it is only necessary that the transaction number can be passed from the store terminal device 120 to the user terminal device 110.

  Specifically, for example, HCCB (High Capacity Color Barcode) called a Microsoft tag may be used instead of or in addition to the QR code 1210. Specifically, for example, the transaction number may be transmitted verbally, or may be transmitted using wireless communication such as infrared communication.

  As described above, the payment system 100 according to the first embodiment of the present invention includes the payment intermediary server 131 to which the user terminal device 110 of the user and the store terminal device 120 of the store can be connected. The payment amount paid to the store terminal device 120 is received from the store terminal device 120, a transaction number is generated for the received payment amount, and the generated transaction number is associated with the payment amount and the store terminal device ID in a predetermined storage medium. The transaction number generated while being stored is transmitted to the store terminal device 120. Then, the settlement intermediary server 131 receives the transmitted transaction number and the user terminal device ID into which the transaction number is input from the user terminal device 110, and the payment amount and store corresponding to the received transaction number The terminal device ID is extracted from a predetermined storage medium, and transaction information including the extracted payment amount and store information relating to the store terminal device ID is transmitted to the user terminal device 110. Further, the payment intermediary server 131 receives the authentication information for the transaction information from the user terminal device 110, executes the payment based on the received authentication information, and at least the user terminal device 110 and the payment are executed. It is characterized by notifying one of the shop terminal devices 120.

  According to the payment system 100 of the first embodiment of the present invention, online payment is performed at a store without using dedicated cards such as a credit card or a debit card and a dedicated terminal for reading information on these cards. be able to. Small stores, such as credit cards and debit cards, that do not have a dedicated terminal for payment using alternative payment means such as credit cards and debit cards may miss sales opportunities because they cannot make payments instead of cash. However, according to the settlement system 100 according to the first embodiment of the present invention, it is possible to realize settlement in place of cash without making a large-scale capital investment, and therefore, it is possible to increase sales opportunities in stores. In addition, since the user can make a payment instead of cash, the user can obtain the desired product or service without carrying a large amount of cash.

  In addition, according to the settlement system 100 of the first embodiment of the present invention, for example, by using settlement means in place of cash such as a credit card or a debit card, it is highly convenient to perform settlement using these settlement means. The personal information of the user can be settled by the face-to-face sales method without being known to a third party such as the store (the store clerk). As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  Further, the payment intermediary server 131 in the payment system 100 according to the first embodiment of the present invention receives authentication information for transaction information from the user terminal device 110, performs authentication processing based on the received authentication information, and performs authentication. It is characterized in that settlement is executed when processing is performed.

  According to the settlement system 100 of the first embodiment of the present invention, by performing settlement based on the authentication information for the transaction information received from the user terminal device 110, the users who can perform settlement are limited. Thus, it is possible to improve the safety and reliability in the settlement using the settlement means instead of cash.

  Further, the store terminal device 120 in the settlement system 100 according to the first embodiment of the present invention includes display means for displaying the transaction number transmitted from the settlement intermediary server 131, and the user terminal device 110 includes the store terminal device 120. The input means for inputting the transaction number displayed on the display means is provided.

  According to the settlement system 100 of the first embodiment of the present invention, for example, the store terminal device 120 and the user terminal device 110 can be realized using a general-purpose device such as a smartphone. Online payments can be made at the store without putting an excessive burden on the store or user to use the equipment.

  In addition, according to the settlement system 100 of the first embodiment of the present invention, the user terminal device 110 that is used daily by a user as a mobile phone or the like is used to verify the user terminal device 110 with a password. Since the number input operation is performed, there is less possibility that a third party such as a store clerk may steal (read) the password. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  Further, according to the settlement system 100 of the first embodiment of the present invention, even if the user terminal device is lost, a reissuing procedure is not necessary, so that a burden is placed on the user. There is nothing. In addition, according to the settlement system 100 of the first embodiment of the present invention, since identity verification can be performed at the time of payment, a lost (or stolen) user terminal device should be used (abused). Can be prevented.

  In addition, according to the settlement system 100 of the first embodiment of the present invention, an operation method according to the purpose, such as an operation focusing on security or an operation focusing on convenience, is appropriately selected. be able to. Specifically, for example, depending on the payment amount and the nature of the product (for example, whether it is a highly convertible product, etc.), emphasis is placed on convenience rather than security, and identity verification is omitted. In addition, the operation method can be flexibly changed.

  In addition, the settlement system 100 according to the first embodiment of the present invention is characterized in that settlement is performed by transferring a payment amount of money from a user account provided in advance to a store account. According to the settlement system 100 of the first embodiment according to the present invention, immediate settlement can be executed.

((Embodiment 2))
(Functional configuration of payment system 100)
Next, a settlement system 100 according to the second embodiment of the present invention will be described. In the second embodiment, the same parts as those in the first embodiment are denoted by the same reference numerals, and the description thereof is omitted. FIG. 29 is a block diagram showing a functional configuration of each part constituting the settlement system 100 according to the second embodiment of the present invention.

  The user terminal device 110 includes a display unit 110b that displays the transaction number transmitted from the settlement server. The store terminal device 120 includes an input unit 120b for inputting a transaction number displayed on the display unit 110b of the user terminal device 110.

  In FIG. 29, each function of the payment mediation server 131 in the payment system 100 according to the second embodiment of the present invention includes a payment intention information reception unit 2901, a transaction number generation unit 802, a storage unit 803, and a transaction number transmission unit. 804, transaction number reception unit 805, extraction unit 806, transaction information transmission unit 807, authentication information reception unit 808, authentication processing unit 809, settlement execution unit 810, and notification unit 811 are realized. .

  Payment intention information receiving unit 2901, transaction number generating unit 802, storage unit 803, transaction number transmitting unit 804, transaction number receiving unit 805, and extracting unit that implement each function of settlement intermediary server 131 according to the second embodiment of the present invention. 806, transaction information transmission unit 807, authentication information reception unit 808, authentication processing unit 809, payment execution unit 810 and notification unit 811 are realized by each unit included in the computer device that implements the payment intermediary server 131 and the external payment server 132. Can do.

  The payment intention information receiving unit 2901 receives payment intention information related to the payment intention from the user to the store from the user terminal device 110. The payment intention information indicates that there is an intention to pay from the user to the store, and includes information (for example, a user terminal device ID) that can identify the user terminal device 110 of the user who is willing to pay.

  Prior to the payment intention information reception unit 2901 receiving payment intention information, the user performs a predetermined input operation on the user terminal device 110 to indicate that the user has an intention to pay to the store. Input information and send the input information. Specifically, for example, the user executes a settlement support application in the user terminal device 110, displays a predetermined display screen (see FIG. 40), and performs an operation according to the predetermined display screen. Send payment intention information.

  The transaction number generation unit 802 generates a transaction number for the payment intention information received by the payment intention information reception unit 2901. The transaction number generation unit 802 generates a transaction number each time payment intention information is received by the payment intention information reception unit 2901. The transaction number is information that can identify each settlement performed using the settlement system 100, and can be realized by, for example, a serial number indicating the order in which the payment amount information is received by the payment amount reception unit 801. . Alternatively, the transaction number may be generated based on the date and time when the payment amount information is received by the payment amount receiving unit 801, for example.

  The storage unit 803 stores the transaction number generated by the transaction number generation unit 802 and the user terminal device ID in association with each other as in the first embodiment. The storage unit 803 associates the transaction number generated by the transaction number generation unit 802 with the user terminal device ID included in the payment intention information received by the payment intention information reception unit 2901, and stores it in the transaction information table 500. To do. In addition, every time a transaction number is generated by the transaction number generation unit 802, the storage unit 803 associates the transaction number with a status flag and stores them in the transaction information table 500.

  The transaction number transmission unit 804 transmits the transaction number generated by the transaction number generation unit 802 to the user terminal device 110. The transaction number transmission unit 804 transmits the transaction number generated by the transaction number generation unit 802 to the user terminal device 110 every time a transaction number is generated by the transaction number generation unit 802.

  When receiving the transaction number transmitted by the transaction number transmission unit 804, the user terminal device 110 visualizes and outputs the received transaction number. The user terminal device 110 generates, for example, a QR code 1210 indicating the transaction number transmitted by the transaction number transmission unit 804, and the generated QR code 1210 is displayed on the display 204 included in the smartphone that implements the user terminal device 110. Visualize the transaction number by displaying it.

  When the user terminal device 110 outputs the QR code 1210 indicating the transaction number, in addition to the transaction number transmitted by the transaction number transmission unit 804, the read transaction is read by the store terminal device 120 that has read the transaction number. A QR code 1210 including application software (hereinafter referred to as “settlement support application software” as in the first embodiment) for transmitting the number and the store terminal device ID to the settlement mediation server 131 (the URL thereof) is output. Also good. This payment support application software may be installed in advance in the store terminal device 120 that uses the payment system 100.

  Or the user terminal device 110 displays the numerical value (number) information which shows the transaction number transmitted by the transaction number transmission part 804 on the display 204 with which the smart phone which implement | achieves the user terminal device 110 is equipped, for example. Transaction numbers may be visualized. Alternatively, the user terminal device 110 may, for example, print a QR code 1210 indicating a transaction number transmitted by the transaction number transmission unit 804 or numerical value (numeric) information wirelessly or by wire connection to the user terminal device 110. The transaction number may be visualized by printing it out via.

  In the second embodiment, the store terminal device 120 receives the input of the transaction number visualized by the user terminal device 110, and the store terminal of the store terminal device 120 that has received the input of the transaction number and the input of the transaction number. The device ID is transmitted to the payment intermediary server 131. Regarding the method of receiving the transaction number visualized by the user terminal device 110 in the store terminal device 120 and transmitting the store terminal device ID, for example, the following three patterns (iv), (v) or (vi) Is assumed.

(Iv)
The first pattern is that when the store terminal device 120 receives an input of a transaction number at the store terminal device 120, the transaction number and the store terminal device ID received are input to the payment intermediary server 131 (URL). Installed application software (hereinafter referred to as “settlement support application software”). The store (the store clerk) activates the payment support application software and reads the QR code displayed on the display 204 of the user terminal device 110. Further, the payment support application software displays a display screen for inputting the payment amount (sales amount), and accepts the input of the payment amount according to the display screen. Then, the payment support application software transmits the transaction number and the payment amount included in the read QR code to the payment mediation server 131. The address of the payment intermediary server 131 as a transmission destination may be installed in the store terminal device 120 in advance together with the payment support application software, or may be included as a URL in the QR code displayed on the display 204.

(V)
In the second pattern, QR code reading software is installed in the store terminal device 120 in advance. The user activates QR code reading software and reads the QR code displayed on the display 204 of the user terminal device 110. The read QR code includes the URL of the payment intermediary server 131. The QR code reading software extracts the URL included in the read QR code, starts the payment support application software (browser), and passes the extracted URL to the started payment support application software. Further, the payment support application software displays a display screen for inputting the payment amount (sales amount), and accepts the input of the payment amount according to the display screen. Then, the payment support application software accesses the URL passed from the QR code reading software, that is, the payment mediation server 131, and transmits the transaction number and the payment amount. Upon this access, the payment support application software transmits the store terminal device ID as header information of the HTTP request to the payment mediation server 131.

(Vi)
In the third pattern, QR code reading software is installed in the store terminal device 120 in advance. The user activates QR code reading software and reads the QR code displayed on the display 204 of the user terminal device 110. The read QR code includes the URL of the payment intermediary server 131. The QR code reading software extracts the URL included in the read QR code, starts the payment support application software (browser), and passes the extracted URL to the started payment support application software. Further, the payment support application software displays a display screen for inputting the payment amount (sales amount), and accepts the input of the payment amount according to the display screen. The payment support application software accesses the URL passed from the QR code reading software, that is, the payment mediation server 131, and transmits the transaction number, the payment amount, and the corresponding store terminal device ID to the payment mediation server 131.

  In addition, the store terminal device 120 accepts an input of a transaction number and accepts an input of a payment amount. The payment amount can be input by the store (the store clerk) performing an input operation on the store terminal device 120 that has received the input of the transaction number (see, for example, FIG. 40-5).

  The transaction number receiving unit 805 receives the transaction number transmitted by the transaction number transmitting unit 804, the payment amount paid by the user to the store, and the store terminal device ID in which the transaction number is input. The extraction unit 806 extracts the user terminal device ID corresponding to the transaction number received by the transaction number receiving unit 805 from the storage unit 803. When the transaction number is received by the transaction number receiving unit 805, the extracting unit 806 refers to the transaction information table 500, and obtains the user terminal device ID corresponding to the transaction number received by the transaction number receiving unit 805. Extracted from the transaction information table 500.

  When the transaction number receiving unit 805 receives the transaction number, the payment amount, and the store terminal device ID, the extraction unit 806 extracts the user terminal device ID based on the transaction information registration date / time and the status flag in the transaction information table 500. The transaction number receiving unit 805 transmitted from the user terminal device 110 extracts the user terminal device ID corresponding to the transaction number, the payment amount, and the store terminal device ID according to the determination result.

  For example, the extraction unit 806 is applicable when the transaction number receiving unit 805 receives the transaction number, the payment amount, and the store terminal device ID within a predetermined time from the transaction information registration date corresponding to the corresponding transaction number. The user terminal device ID to be extracted is extracted from the transaction information table 500. Alternatively, for example, the extraction unit 806 uses the corresponding usage when the payment amount corresponding to the transaction number received by the transaction number receiving unit 805 and the status flag associated with the store terminal device ID indicate “processing”. The person terminal device ID is extracted from the transaction information table 500.

  Further, for example, the extraction unit 806 is the date and time when the transaction number receiving unit 805 receives the transaction number, the payment amount, and the store terminal device ID when a predetermined time or more has elapsed from the transaction information registration date and time corresponding to the corresponding transaction number. In some cases, the user terminal device ID is not extracted. Alternatively, the extraction unit 806, for example, when the payment amount corresponding to the transaction number received by the transaction number receiving unit 805 and the status flag associated with the store terminal device ID indicate “completed”, the user terminal device ID Do not perform extraction.

  The transaction information transmitting unit 807 transmits to the user terminal device 110 transaction information including the user information related to the user terminal device ID extracted by the extracting unit 806 and the payment amount received by the transaction number receiving unit 805. . Further, the transaction information transmission unit 807 stores the transaction number included in the transaction information transmitted to the user terminal device 110 and the remittance account number specified by the transaction number in the transaction information table 500. As shown, the information stored in the transaction information table 500 is updated.

  Upon receiving the transaction information, the user terminal device 110 (the payment support application software) executes the payment support application software, and based on the received transaction information, stores the store information such as the store name and the payment amount. And displayed on the display 204 included in the smartphone that implements the user terminal device 110.

  The user confirms the store name and the payment amount displayed on the display 204 provided in the smartphone that implements the user terminal device 110, and inputs identity verification information when executing settlement. Specifically, the personal identification information can be a password registered in the account information table 400, for example. Specifically, the identity verification information may be, for example, the name, password, and card number of the user registered in the account information table 400. Specifically, the identity verification information may be, for example, an arbitrarily set membership number. Further, the identity verification information may be any of the above password, user name, password, card number, or membership number, or a combination of two or more passwords, passwords, membership numbers, etc. It may be information.

  When the user identification information is input, the user terminal device 110 (its payment support application software) transmits authentication information for the transaction information received by the user terminal device 110 to the payment mediation server 131. Moreover, the user terminal device 110 transmits a transaction number in addition to the authentication information.

  The authentication information receiving unit 808 receives authentication information for transaction information from the user terminal device 110. The extraction unit 806 extracts transaction information based on the transaction number transmitted from the user terminal device 110 together with the authentication information received by the authentication information receiving unit 808. The authentication processing unit 809 performs authentication processing for the user based on the payment amount extracted by the extraction unit 806 and the user information regarding the user terminal device ID. Also, the authentication processing unit 809 performs authentication processing based on the authentication information received by the authentication information receiving unit 808.

  When the authentication processing unit 809 receives the authentication information received by the authentication information receiving unit 808, the authentication processing unit 809 determines whether or not to perform the authentication process based on the transaction information registration date and time and the status flag in the transaction information table 500. Authentication processing is performed based on the result. For example, the settlement intermediary server 131 performs an authentication process based on the received authentication information when the date and time when the authentication information is received is within a predetermined time from the transaction information registration date and time corresponding to the corresponding authentication information. Alternatively, for example, when the status flag associated with the received authentication information indicates “processing”, the settlement intermediary server 131 performs an authentication process based on the received authentication information.

  For example, the settlement intermediary server 131 does not perform the authentication process when the date and time when the authentication information is received is the date and time when a predetermined time or more has elapsed from the transaction information registration date and time corresponding to the corresponding authentication information. Further, for example, the settlement intermediary server 131 does not perform the authentication process when the status flag associated with the received authentication information indicates “complete”.

(Processing procedure of payment system 100)
Next, a processing procedure of the settlement system 100 according to the second embodiment of the present invention will be described. 30, 31, 32, 33, 34, 35, 36, 37, 38 and 39 are explanatory diagrams showing the processing procedure of the settlement system 100 according to the second embodiment of the present invention. It is.

  30, 31, 32, 33, 34, 35, 36, 37, 38, and 39, in the settlement using the settlement system 100 according to the second embodiment of the present invention, Payment intention information is transmitted from the user terminal device 110 to the settlement intermediary server 131 (see the arrow 3000 in FIGS. 30 and 39).

  When the payment intermediary server 131 receives payment intention information from the user terminal device 110, it generates a transaction number. Then, the generated transaction number and the received user terminal device ID are associated with each other and stored in the transaction information table 500 (see arrow 3100 in FIG. 31). Then, the settlement intermediary server 131 transmits the generated transaction number to the user terminal device 110 that is the transmission source of the payment intention information (see the arrow 3200 in FIGS. 32 and 39).

  Upon receiving the transaction number transmitted from the settlement intermediary server 131, the user terminal device 110 generates a QR code 1210 indicating the received transaction number and displays the generated QR code 1210 (arrow 3300 in FIG. 33). See). The store (the store clerk) inputs the transaction number to the store terminal device 120 by reading the QR code 1210 displayed on the user terminal device 110 (see the arrow 3400 in FIG. 34).

  The shop terminal device 120 transmits the transaction number input by reading the QR code 1210 to the settlement mediation server 131 (see the arrow 3500 in FIGS. 35 and 39). The store terminal device 120 transmits the payment amount and the store terminal device ID of the store terminal device 120 to the settlement intermediary server 131 in addition to the transaction number. The payment amount is input by, for example, the store (the clerk) prior to transmission of the transaction number, payment amount, and store terminal device ID by the store terminal device 120. Either the transaction number or the payment amount may be input first.

  When receiving the transaction number, the payment amount, and the store terminal device ID transmitted from the store terminal device 120, the settlement intermediary server 131 extracts the user terminal device ID corresponding to the received transaction number from the transaction information table 500. (See arrow 3610 in FIG. 36). Then, the settlement intermediary server 131 transmits transaction information including the received payment amount and store information relating to the store terminal device ID to the user terminal device 110 (see an arrow 3620 in FIGS. 36 and 39).

  In addition, when the settlement intermediary server 131 receives the transaction number, payment amount, and store terminal device ID transmitted from the store terminal device 120, the received transaction number is associated with the remittance destination account number specified by the transaction number. In this state, the information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500.

  When the transaction intermediary server 131 receives the transaction number, the payment amount, and the store terminal device ID transmitted from the store terminal device 120, the settlement intermediary server 131, based on the transaction information registration date / time and status flag in the transaction information table 500, It is determined whether or not the device ID is extracted, and the user terminal device ID corresponding to the transaction number transmitted from the store terminal device 120 is extracted according to the determination result.

  The settlement intermediary server 131, for example, when the transaction number, payment amount, and store terminal device ID transmitted from the store terminal device 120 are received within a predetermined time from the transaction information registration date and time corresponding to the corresponding transaction number. The corresponding user terminal device ID is extracted from the transaction information table 500. Alternatively, the settlement intermediary server 131 is, for example, the settlement intermediary server 131 when the status flag associated with the received transaction number, payment amount, and store terminal device ID indicates “processing”. The device ID is extracted from the transaction information table 500.

  Further, for example, the settlement intermediary server 131 has received a transaction number, payment amount, and store terminal device ID transmitted from the store terminal device 120 for a predetermined time or more from the transaction information registration date and time corresponding to the corresponding transaction number. If the date / time has been set, the user terminal device ID is not extracted. Further, for example, when the status flag associated with the received transaction number indicates “completed”, the settlement intermediary server 131 does not extract the user terminal device ID.

  Upon receiving the transaction information, the user terminal device 110 displays store information such as the store name and the payment amount based on the received transaction information. The user confirms the store name and the payment amount, and inputs the person confirmation information when executing settlement. When the user identification information is input, the user terminal device 110 transmits authentication information for the transaction information received by the user terminal device 110 to the payment intermediary server 131 (see the arrow 3700 in FIGS. 37 and 39). ).

  When receiving the authentication information, the settlement intermediary server 131 performs an authentication process based on the received authentication information, and executes a settlement based on the result of the authentication process. When executing the settlement, the settlement intermediary server 131 performs the settlement by transferring funds between the accounts based on the information stored in the account information table 400. Further, when executing the payment, a part of the payment in the payment system 100 may be executed in the external payment server 132 by appropriately communicating with the external payment server 132.

  When mediating credit settlement using a credit card, for example, processing can be performed using a card number and a password registered in advance in the account information table 400. When mediating credit settlement using a credit card, for example, processing may be performed using a personal identification number input to the user at the timing of inputting personal identification information.

  Specifically, for example, the user terminal device 110 (its payment support application software) displays a screen for requesting input of a card number in addition to the identification information on the display 204 provided in the smartphone that realizes the user terminal device 110. indicate. When the authentication information receiving unit 808 receives the authentication information including the identification information and the card number input according to the screen displayed on the display 204, the payment execution unit 810 requests the external payment server 132 to make a card payment request. Send. This card settlement request includes the card number and payment amount of the user who requests credit settlement in the external settlement server 132.

  Further, when receiving the authentication information, the settlement intermediary server 131 determines whether or not to perform the authentication process based on the transaction information registration date and status flag in the transaction information table 500 and the status flag, and performs the authentication process based on the determination result. Do it. For example, the settlement intermediary server 131 performs an authentication process based on the received authentication information when the date and time when the authentication information is received is within a predetermined time from the transaction information registration date and time corresponding to the corresponding authentication information. Alternatively, for example, when the status flag associated with the received authentication information indicates “processing”, the settlement intermediary server 131 performs an authentication process based on the received authentication information.

  For example, the settlement intermediary server 131 does not perform the authentication process when the date and time when the authentication information is received is the date and time when a predetermined time or more has elapsed from the transaction information registration date and time corresponding to the corresponding authentication information. Further, for example, the settlement intermediary server 131 does not perform the authentication process when the status flag associated with the received authentication information indicates “complete”.

  Thereafter, the settlement intermediary server 131 transmits a settlement result notification indicating the result of the settlement to at least one of the user terminal device 110 and the store terminal device 120 (see arrows 3810 and 3820 in FIGS. 38 and 39). ). Thereby, it is possible to inform the user or the store that the settlement has been completed. When the settlement result notification is transmitted only to the user terminal device 110 or only to the store terminal device 120, the received one (for example, the user) shows the received settlement result notification to the other (for example, the store clerk). The payment system 100 may be operated. The payment intermediary server 131 may transmit a payment result notification to both the user terminal device 110 and the store terminal device 120.

(Example of display screen of user terminal device 110)
Next, a display screen example of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention will be described. 40-1, FIG. 40-2, and FIG. 40-3 are explanatory diagrams illustrating examples of display screens of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention.

  In FIG. 40A, the display screen 4100 displays a user name and an “OK” key that displays a willingness to pay to the user. When the “OK” key is operated on the display screen 4100, the user terminal device 110 indicates payment intention information indicating that the user specified by the user name displayed on the display screen 4100 has a willingness to pay. Is transmitted to the settlement intermediary server 131.

  In FIG. 40-2, the display screen 4200 displays a QR code 1210 indicating the user name, transaction number, and transaction number. The QR code 1210 indicating the transaction number is generated, for example, in a smartphone that implements the user terminal device 110. Alternatively, the QR code 1210 indicating the transaction number may be generated in the payment intermediary server 131, for example. The display screen 4200 is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 when the “OK” key is operated on the display screen 4100 and the transaction number generated in the payment intermediary server 131 is received. .

  40-3, a display screen 4300 displays a user name, a use store name, and a payment amount. The display screen 4300 displays a numeric key for inputting a personal identification number and an “OK” key. The user can input a personal identification number by operating these keys displayed on the display screen 2000.

(Example of display screen of store terminal device 120)
Below, the example of a display screen of the shop terminal device 120 in the payment system 100 of Embodiment 2 concerning this invention is demonstrated. FIGS. 40-4 and 40-5 are explanatory diagrams illustrating display screen examples of the store terminal device 120 in the settlement system 100 according to the second embodiment of the present invention.

  In FIG. 40-4, the display screen 4400 displays a store name and a frame image. The frame image guides the position and size of the QR code 1210 to be read (distance between the store terminal device 120 and the QR code 1210) and the like. The display screen 4400 guides the position and size of the QR code 1210 to be read (distance between the store terminal device 120 and the QR code 1210), such as “Hold the QR code in the frame below”, for example. A message may be displayed. The display screen 4400 is displayed on the display 204 provided in the smartphone that implements the store terminal device 120 when the payment support application software is activated in the store terminal device 120.

  In FIG. 40-5, the display screen 4500 displays the store name and the payment amount. The display screen 4500 is displayed on the display 204 provided in the smartphone that implements the store terminal device 120 when the payment amount is input. In the display screen 4500, the store name is displayed in advance, and the payment amount is input by the store (the clerk). The display screen 4500 displays a numeric key and an “OK” key for inputting a payment amount. The store (the clerk) can input the payment amount by operating these keys displayed on the display screen 4500.

  Either the display screen 4400 or the display screen 4500 may be displayed first. That is, when the payment support application software is activated in the store terminal device 120, the display screen 4500 may be displayed, and the display screen 4400 may be displayed after the payment amount is input.

  In the payment system 100, the display screens 2200, 2400, 4100, 4200, 4300, 4400, and 4500 are displayed on the display screen 4100 → display screen 4200 → display screen 4300 → display screen 2400 → display screen 4400 → display screen 4500 → display screen. Displayed in the order of 2200.

(Processing procedure of user terminal device 110)
Next, a processing procedure of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention will be described. FIG. 41 is a flowchart showing a processing procedure of the user terminal device 110 in the settlement system 100 according to the second embodiment of the present invention. The process shown in the flowchart of FIG. 41 is executed in a state where the payment support application is activated in the user terminal device 110.

  In the flowchart of FIG. 41, first, the user terminal device 110 in the payment system 100 according to the second embodiment of the present invention determines whether or not input of payment intention information has been accepted (step S4101). When the input of payment intention information is not received (step S4101: No), it waits until the input of payment intention information is received.

  In step S4101, when the input of payment intention information is accepted (step S4101: Yes), it is determined whether or not there is an instruction to transmit the payment intention information accepted (step S4102). If there is no instruction to send payment intention information (step S4102: No), the process waits until there is an instruction to send payment intention information.

  On the other hand, if there is an instruction to send payment intention information in step S 4102 (step S 4102: Yes), the payment intention information accepted in step S 4101: Yes is sent to the settlement intermediary server 131 (step S 4103). ). And it is judged whether the transaction number transmitted from the payment mediation server 131 was received as a result of transmitting payment intention information (step S4104).

  In step S4104, when the transaction number transmitted from the settlement intermediary server 131 is received (step S4104: Yes), the received transaction number is displayed on the display 204 provided in the smartphone that implements the user terminal device 110 ( Step S4105). Thereafter, it is determined whether or not the transaction information transmitted from the settlement intermediary server 131 has been received (step S4106). When the transaction information transmitted from the settlement intermediary server 131 has not been received (step S4106: No), it waits until it is received.

  In step S4106, it is determined whether or not a predetermined time has elapsed since the transaction number was transmitted in step S4105, and transmitted from the settlement intermediary server 131 even if the predetermined time has elapsed since the transaction number was transmitted in step S4105. If the received transaction information is not received, it may be determined that an error has occurred, and a predetermined error process may be performed. In this case, for example, a message such as “Please start again from the beginning” is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

  In step S4106, when transaction information transmitted from the settlement intermediary server 131 is received as a result of displaying the transaction number in step S4105 (step S4106: Yes), the display 204 provided in the smartphone that implements the user terminal device 110 is displayed. Step S4106: The transaction information received in Yes is displayed (Step S4107).

  Next, it waits until the input of identity verification information is accepted (step S4108: No), and when the input of identity verification information is accepted (step S4108: Yes), whether or not there has been an instruction to transmit the transaction number and the identity verification information. Is determined (step S4109). When there is no transmission instruction for the transaction number and the identity verification information (step S4109: No), the process waits until the transmission instruction is received. If there is an instruction to send the transaction number and the identity verification information (step S4109: Yes), authentication information is generated (step S4110), and the generated authentication information is transmitted to the payment intermediary server 131 (step S4111). ).

  Then, it is determined whether or not the settlement result notification transmitted from the settlement mediation server 131 has been received (step S4112). When the payment result notification transmitted from the payment intermediary server 131 is received (step S4112: Yes), the payment result is notified based on the received payment result notification (step S4113), and the series of processing ends.

  In step S4112, when the payment result notification transmitted from the payment intermediary server 131 is not received (step S4112: No), it is determined whether or not a predetermined time has elapsed since the authentication information was transmitted in step S4111. (Step S4114). If the predetermined time has not elapsed since the authentication information was transmitted in step S4111 (step S4112: No), the process returns to step S4112.

  In step S4114, when a predetermined time has passed since the authentication information was transmitted in step S4111 (step S4114: Yes), a message prompting confirmation that the settlement has been completed is notified (step S4115), Terminate the process. In step S4115, for example, a message such as “Please confirm that the payment has been completed correctly” or “Check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

  If the transaction number transmitted from the settlement intermediary server 131 is not received in step S4104 (step S4104: No), it is determined whether or not a predetermined time has elapsed since the payment intention information was transmitted in step S4103. (Step S4116). When the predetermined time has not elapsed since the payment intention information was transmitted in step S4103 (step S4116: No), the process returns to step S4104.

  On the other hand, in step S4116, if a predetermined time has elapsed since the payment intention information was transmitted in step S4103 (step S4116: Yes), it is determined that an error has occurred and predetermined error processing is performed (step S4117). In step S4117, for example, a message such as “Please start again from the beginning.” Is displayed on the display 204 provided in the smartphone that implements the user terminal device 110.

(Processing procedure of settlement mediation server 131)
Next, a processing procedure of the payment mediation server 131 in the payment system 100 according to the second embodiment of the present invention will be described. FIG. 42 is a flowchart showing a processing procedure of the payment intermediary server 131 in the payment system 100 according to the second embodiment of the present invention.

  42, first, the payment intermediary server 131 in the payment system 100 according to the second embodiment of the present invention determines whether or not the payment intention information transmitted from the user terminal device 110 has been received (step). S4201). If the payment intention information transmitted from the user terminal device 110 has not been received (step S4201: No), the process waits until it is received.

  In step S4201, if the payment intention information transmitted from the user terminal device 110 is received (step S4201: Yes), a transaction number is generated (step S4202), and the generated transaction number is stored (step S4203). . In step S4203, the transaction number generated in step S4202 is associated with the user terminal device ID that is the transmission source of payment intention information, and stored in transaction information table 500. And the transaction number produced | generated in step S4202 is transmitted with respect to the user terminal device 110 used as the transmission origin of the payment intention information received in step S4201: Yes (step S4204).

  Next, it is determined whether the transaction number and the store terminal device ID are received from the store terminal device 120 (step S4205). When the transaction number and the store terminal device ID are received (step S4205: Yes), the transaction information table 500 is referred to based on the received transaction number and the store terminal device ID, and the corresponding user terminal device ID is extracted. (Step S4206).

  Then, the transaction information table 500 is updated based on the user terminal device ID extracted in step S4206 (step S4207). In step S4207, transaction information is generated based on the payment amount and store terminal device ID extracted in step S4206, and the transaction number transmitted from the user terminal device 110 and the remittance specified by the transaction number are generated. The information stored in the transaction information table 500 is updated so as to be stored in the transaction information table 500 in a state in which the account number is associated.

  Further, in step S4207, based on the received transaction number and user terminal device ID, it is determined whether or not to update transaction information table 500 by referring to the transaction information registration date / time and status flag in transaction information table 500. To do. Specifically, in step S4207, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time included within a predetermined time from the transaction information registration date and time in the transaction information table 500, The transaction information table 500 is updated. Or, specifically, in step S4207, for example, the status flag in the transaction information table 500 is referred to, and when the status flag in the transaction information table 500 indicates “processing”, the transaction information table 500 is updated.

  Specifically, in step S4207, for example, referring to the transaction information registration date and time in the transaction information table 500, and the current date and time is a date and time when a predetermined time or more has elapsed from the transaction information registration date and time in the transaction information table 500, A series of processes may be terminated without updating the transaction information table 500. Or, specifically, in step S4207, for example, the status flag in the transaction information table 500 is referred to. If the status flag in the transaction information table 500 indicates “complete”, the transaction information table 500 is not updated, Processing may be terminated.

  Next, the generated transaction information is transmitted to the user terminal device 110 corresponding to the user terminal device ID extracted in step S4206 (step S4208). Then, as a result of transmitting the transaction information in step S4208, it is determined whether or not the authentication information transmitted from the user terminal device 110 has been received (step S4209). When the authentication information transmitted from the user terminal device 110 is received (step S4209: Yes), the authentication process is executed based on the received authentication information (step S4210).

  In step S4210, based on the authentication information received in step S4209: Yes, the corresponding transaction information is extracted from the transaction information table 500, and the authentication process regarding the extracted transaction information is executed. In step S4210, based on the authentication information received in step S4209: Yes, the transaction information registration date / time and the status flag in transaction information table 500 are referred to and it is determined whether or not to execute the authentication process.

  Specifically, in step S4210, for example, referring to the transaction information registration date and time in the transaction information table 500, when the current date and time is a date and time included within a predetermined time from the transaction information registration date and time in the transaction information table 500, Execute authentication process. Alternatively, specifically, in step S4210, for example, a status flag in transaction information table 500 is referred to, and if the status flag in transaction information table 500 indicates “processing”, authentication processing is executed.

  Specifically, in step S4210, for example, when the transaction information registration date and time in the transaction information table 500 is referred to and the current date and time is a date and time when a predetermined time or more has elapsed from the transaction information registration date and time in the transaction information table 500, A series of processes may be terminated without executing the authentication process. Alternatively, specifically, in step S4210, for example, the status flag in transaction information table 500 is referred to. You may end.

  Next, it is determined whether or not the authentication performed in step S4210 is OK, that is, whether or not the result of the authentication process executed based on the authentication information received in step S4209: Yes is permitted. (Step S4211). When authentication is not OK (step S4211: No), it transfers to step S4219.

  If the authentication is OK in step S4211 (step S4211: YES), it is determined whether or not the card number is included in the authentication information received in step S4209: YES (step S4212). If the card number is not included in the authentication information received in step S4209: Yes (step S4212: No), it is associated with the corresponding account number based on the authentication information received in step S4209: Yes. It is determined whether the account balance is equal to or greater than the payment amount (step S4213).

  In step S4213, if the account balance associated with the corresponding account number is greater than or equal to the payment amount (step S4213: Yes), the process proceeds to step S4216. On the other hand, if the account balance associated with the corresponding account number is not equal to or greater than the payment amount in step S4213 (step S4213: No), the process proceeds to step S4219.

  In step S4212, if the card number is included in the authentication information received in step S4209: Yes (step S4212: Yes), a card payment request is transmitted to the external payment server 132 (step S4214). In response to the card payment request transmitted to the external payment server 132, whether or not there is a response indicating that the card payment in the external payment server 132 is OK (the external payment server 132 uses the card payment in the external payment server 132). It is determined whether or not a response indicating OK is returned (step S4215).

  If the external payment server 132 returns OK in response to the card payment request transmitted to the external payment server 132 in step S4215 (step S4215: Yes), the process proceeds to step S4216. On the other hand, in response to the card payment request transmitted to the external payment server 132, the external payment server 132 does not return OK (a response indicating that the external payment server 132 cannot perform card payment in the external payment server 132). (Step S4215: No), the process proceeds to Step S4219.

  In step S4216, settlement is executed based on the result of the authentication process (step S4216). In step S4216, for example, in the case of going through step S4213: Yes, settlement is executed by transferring funds between the user's account and the store's account. In step S4216, for example, in the case of passing through step S4215: Yes, communication is performed with the external payment server 132, and the payment is executed by acquiring the result of the payment processing in the external payment server 132.

  Then, settlement is performed based on the result of the authentication process (step S4216). Thereafter, a payment result notification indicating the result of the payment executed in step S4216 is transmitted to the user terminal device 110 that is the transmission source of the authentication information received in step S4209: Yes (step S4217). Terminate the process.

  In step S4217, the status flag of the corresponding transaction information in the transaction information table 500 is updated to “completed”. The status flag updated in step S4217 does not indicate only “processing” and “completed”. For example, when a series of processing ends with an error as in step S4219 described later, “error” is displayed. It may be shown.

  On the other hand, if the authentication information transmitted from the user terminal device 110 is not received as a result of transmitting the transaction information in step S4208 in step S4209 (step S4209: No), the transaction information is transmitted in step S4208. It is determined whether or not a predetermined time has elapsed since step S4218 (step S4218). If the predetermined time has not elapsed (step S4218: NO), the process returns to step S4209.

  In step S4218, when a predetermined time has elapsed since the transaction information was transmitted in step S4208 (step S4218: Yes), it is determined that the user has not been authenticated or a communication error has occurred, and the process Predetermined error processing such as notification of completion or error notification is performed (step S4219), and the series of processing ends.

  In step S4219, for example, if step S4213: No is passed, an error message indicating that settlement cannot be performed because the account balance associated with the corresponding account number is not equal to or greater than the payment amount is displayed, step S4209: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information received in step S1 is performed.

  In step S4219, for example, if step S4215: No is passed, an error message indicating that the external payment server 132 cannot perform card payment in the external payment server 132 is received in step S4209: Yes. Error processing such as transmission to the user terminal device 110 that is the transmission source of the authentication information is performed.

  If the transaction number and the store terminal device ID have not been received from the store terminal device 120 in step S4205 (step S4205: No), it is determined whether or not a predetermined time has elapsed since the transaction number was transmitted in step S4204. (Step S4220). If the predetermined time has not elapsed since the transaction number was transmitted in step S4204 (step S4220: No), the process returns to step S4205. If a predetermined time has elapsed since the transaction number was transmitted in step S4204 (step S4220: Yes), the process proceeds to step S4219.

(Processing procedure of store terminal device 120)
Next, a processing procedure of the store terminal device 120 in the settlement system 100 according to the second embodiment of the present invention will be described. FIG. 43 is a flowchart showing a processing procedure of the store terminal device 120 in the settlement system 100 according to the second embodiment of the present invention.

  In the flowchart of FIG. 43, first, the shop terminal device 120 in the settlement system 100 according to the second embodiment of the present invention determines whether or not a transaction number has been input (step S4301). In step S4301, for example, the transaction number can be input by reading the QR code 1210 displayed by the user terminal device 110 using the camera 208 provided in the smartphone that implements the store terminal device 120. Or in step S4301, the numerical value which shows a transaction number may be directly input by operating the keyboard 205 with which the smart phone which implement | achieves the shop terminal device 120 is equipped, for example.

  In step S4301, when a transaction number is not input (step S4301: No), it waits until a transaction number is input. On the other hand, when the transaction number is input (step S4301: YES), it is determined whether the payment amount is input (step S4302). If the payment amount has not been input (step S4302: NO), the process returns to step S4302.

  In the settlement system 100 according to the second embodiment of the present invention, the payment amount may be input before receiving the transaction number or after receiving the transaction number. When accepting the payment amount after accepting the transaction number, it may be determined in step S4302 whether or not the “OK” key on the display screen 4500 has been operated.

  If the payment amount is input in step S4302 (step S4302: Yes), the store of the store terminal device 120 in which the input transaction number, the payment amount, and the transaction number are input to the settlement intermediary server 131. The terminal device ID is transmitted (step S4303).

  Then, it is determined whether or not the payment result notification transmitted from the payment mediation server 131 in step S4217 in FIG. 42 has been received (step S4304). When the payment result notification transmitted from the payment intermediary server 131 is received (step S4304: YES), the payment result is notified based on the received payment result notification (step S4305), and the series of processes is terminated.

  If the payment result notification transmitted from the payment intermediary server 131 is not received in step S4304 (step S4304: NO), whether a predetermined time has elapsed since the transaction number and the store terminal device ID were transmitted in step S4303 It is determined whether or not (step S4306). If the predetermined time has not elapsed since the transaction number and the store terminal device ID were transmitted in step S4303 (step S4306: No), the process returns to step S4303.

  In step S4306, when a predetermined time has elapsed since the transaction number and the store terminal device ID were transmitted in step S4303 (step S4306: Yes), a message prompting to confirm that the settlement has been completed is notified ( In step S4307), a series of processing ends. In step S4307, for example, a message such as “Please confirm that payment has been correctly completed” or “Please check the payment result screen displayed on the store terminal device 120” is displayed on the user terminal device. 110 is displayed on the display 204 included in the smartphone that implements the network 110.

(Comparison with existing technology)
Next, a settlement method using the settlement system 100 according to the embodiment of the present invention will be described in comparison with a settlement method using an existing technology. When using the settlement system 100 according to the second embodiment of the present invention to make a settlement by a method in which a user sends money to a store for merchandise sales, the following (2-1) to (2-12) Settlement is performed according to the procedure.

(2-1) The user notifies the store of the settlement method. Specifically, for example, the payment method can be notified by verbally specifying the payment method, such as “debit payment” or “credit payment by the external payment server 132”.
(2-2) The store inputs the payment amount (remittance amount) in advance from the store terminal device 120 that has logged in to the payment system 100.
(2-3) The user logs in to the payment intermediary server 131 using the user terminal device 110 and notifies the payment intention. Specifically, for example, the payment intention information is transmitted from the user terminal device 110 triggered by the user's intentional operation, such as operating the “OK” key on the display screen 4100. To.
(2-4) The settlement intermediary server 131 assigns a transaction number, stores it in the transaction information table 500, and notifies the user terminal device 110 of the transaction number.
(2-5) The user terminal device 110 visualizes the transaction number received from the payment intermediary server 131. Specifically, for example, it is visualized by displaying or printing a QR code 1210 indicating a transaction number. Specifically, for example, it is visualized by displaying or printing the transaction number itself.
(2-6) The store inputs the transaction number using the store terminal device 120. Specifically, for example, the transaction number is input by reading the QR code 1210 displayed by the user terminal device 110 using the store terminal device 120. Or, specifically, for example, the transaction number displayed by the user terminal device 110 is manually input directly to the store terminal device 120 to input the transaction number.
(2-7) The settlement intermediary server 131 notifies the user terminal device 110 of information related to the remittance destination store and the payment amount (remittance amount). (2-8) The user terminal device 110 receives the remittance destination. Displays information about the store and the payment amount (remittance).
(2-9) The user confirms that there is no problem with the information notified via the user terminal device 110, and inputs identification information such as a password and a signature.
(2-10) The user terminal device 110 notifies the settlement intermediary server 131 of the identity verification information, and the settlement intermediary server 131 confirms that there is no problem with the notified identity verification information (at this time, it is necessary Accordingly, the external settlement server 132 is appropriately inquired to confirm that there is no problem in the personal identification information).
(2-11) The settlement intermediary server 131 transfers funds (transfers money) between account information (or requests settlement to the external settlement server 132 using information such as a card member number).
(2-12) The settlement intermediary server 131 notifies at least one of the user terminal device 110 and the store terminal device 120 that the transaction has been completed.

  Among the procedures (2-1) to (2-12) above, the procedures (2-7) to (2-11) are determined that the user trusts the store and does not need to be confirmed, for example. This can be omitted in some cases. Also, among the procedures (2-1) to (2-12) above, the procedure for inputting the identity verification information in (2-9) is omitted, and the store name and the payment amount displayed in (2-8) The procedure may be simply for operating the “OK” key.

(Existing technology "Server type electronic money")
Next, an existing technique related to a payment method using the payment system 100 according to the embodiment of the present invention will be described. For example, “server-type electronic money” exists as an existing technique related to a payment method using the payment system 100 according to the embodiment of the present invention. “Server-type electronic money” is a system for making an anonymous settlement at a virtual store on the Internet. Specifically, there are services such as BitCash and WebMoney. When performing payment using the “server type electronic money” payment method, payment is performed according to the following procedures (3-1) to (3-10).

(3-1) The user purchases electronic money at the electronic money management server. (Notify credit card number, purchase amount, etc.)
(3-2) The electronic money management server requests the external settlement server 132 for payment. (Notify credit card number, purchase amount, etc.)
(3-3) The external settlement server 132 notifies the electronic money management server of the payment result.
(3-4) The electronic money management server assigns an ID, and registers the ID and balance in the electronic money management table.
(3-5) The electronic money management server notifies the user of the ID.
(3-6) The user notifies the ID when paying at a virtual store on the Internet.
(3-7) The virtual store on the Internet notifies the electronic money management server of the ID and the payment amount.
(3-8) The electronic money management server subtracts the electronic money balance based on the ID.
(3-9) The electronic money management server notifies the virtual store on the Internet that payment has been completed.
(3-10) The virtual store on the Internet notifies the user that payment has been completed.
It is also possible to purchase at a convenience store instead of credit card payment.

  The settlement method using the settlement system 100 according to the second embodiment of the present invention has the following differences (A) and (B) with respect to the settlement method using the existing technology “server type electronic money”. ing.

  (A) Although “ID” used for the existing technology “server-type electronic money” is a permanent number, the “transaction number” in the settlement method using the settlement system 100 according to the embodiment of the present invention is one It is considered transient. In the settlement method using the existing technology “server type electronic money”, if the “ID” is known to a third party, the remaining balance may be misused.

  On the other hand, since the “transaction number” in the settlement method using the settlement system 100 according to the second embodiment of the present invention is temporary, it is known to others if the transaction has already been established. It has the advantage of not being misused.

  In addition, the transaction information table 500 may store the “transaction number” numbering time in the settlement method using the settlement system 100 according to the second embodiment of the present invention. As a result, the “transaction number” can be invalidated after a certain period of time, and the security can be further enhanced.

  (B) In the settlement method using the existing technology “server-type electronic money”, the user approves from the notification of the ID from the virtual store to the electronic money management server until the electronic money management server subtracts the balance. There are no procedures to perform. For this reason, when the virtual store sends an amount different from the original payment amount to the electronic money management server, there is a problem that the user cannot refuse a payment different from the original payment amount. It was.

  On the other hand, in the payment method using the payment system 100 according to the second embodiment of the present invention, the user can confirm the payment amount on the user terminal device 110. If there is an incorrect registration, it can be refused at the time of confirming the payment amount.

  The settlement system 100 according to the second embodiment of the present invention is assumed to be used in settlement performed by the face-to-face sales method. In the payment method (virtual store) using the existing technology “server-type electronic money” described above, all processing is automated, so it is unlikely that an error in the amount of payment will occur. However, in the payment using the face-to-face sales method, the actual store ( It is conceivable that an error in the payment amount occurs at a certain frequency due to a mistake in the clerk performing the settlement process in order to accompany the input operation of the payment amount in the actual store.

  In the payment method using the payment system 100 according to the second embodiment of the present invention, a function capable of confirming the payment amount at the user terminal device 110 is indispensable. It is possible to effectively prevent the settlement with the paid amount.

(Existing technology "One Time Debit")
Next, an existing technique related to a payment method using the payment system 100 according to the second embodiment of the present invention will be described. As an existing technique related to a payment method using the payment system 100 according to the second embodiment of the present invention, for example, “One Time Debit” exists. “One-time debit” is a payment service using the Internet, and is specifically provided by, for example, Japan Net Bank. When the settlement is performed by the “one-time debit” settlement method, the settlement is performed by the following procedures (4-1) to (4-9).

(4-1) The user logs in to the electronic money management server using the user terminal device 110 and requests the numbering of the member number.
(4-2) The electronic money management server assigns a member number, and registers the user's account number and member number in the member number management table.
(4-3) The electronic money management server notifies the numbering member number to the user terminal device 110. (4-4) The user uses the user terminal device 110 at a virtual store on the Internet. Enter your membership number when making a payment.
(4-5) The virtual store notifies the input membership number to the credit settlement network in the same manner as a normal credit transaction.
(4-6) The credit settlement network confirms whether or not payment for the amount of payment is possible to the electronic money management server in the same manner as in a normal credit transaction.
(4-7) The electronic money management server determines the account number based on the membership number received from the credit settlement network, determines whether or not the payment amount can be paid from the corresponding account number, and the payment The amount of money is subtracted from the electronic money balance.
(4-8) A settlement result (a result of funds transfer between accounts) is notified to a virtual store on the Internet via a credit settlement network.
(4-9) The virtual store on the Internet notifies the user terminal device 110 that the payment has been completed.

  The settlement method using the settlement system 100 according to the second embodiment of the present invention has the following differences from the settlement method based on the above-described existing technique “One Time Debit”.

  In the settlement method using the existing technology “One Time Debit”, there is a problem that a member store to the settlement system 100 needs to undergo credit card examination, and the procedure at the time of membership is troublesome. In addition, in the settlement method using the existing technology “One Time Debit”, there is a problem that the member store needs to install a dedicated store terminal device 120 connected to the credit card network, which requires a prior capital investment. .

  Further, in the settlement method using the existing technology “One Time Debit”, every time there is a sale, an intermediate fee using the credit card network, that is, a fee that the member store pays to the credit company is generated.

  In addition, with the payment method using the existing technology “One Time Debit”, “If the processing takes time in the credit payment network, it cannot be dealt with on the one time debit side.” Because it is limited to the payment network operation rules, it cannot be resolved within the scope of the existing technology. ”“ Payment intention confirmation and identity verification processes are limited to the credit payment network operation rules, so they are effectively used as authentication means. You can only select “3D Secure”. ”Etc. occurred for users.

  On the other hand, in the payment method using the payment system 100 according to the second embodiment of the present invention, the authentication processing is within the service range of the payment mediation server 131 that manages electronic money. By selecting an appropriate authentication means 131, the above problem can be solved. In the payment method using the payment system 100 according to the second embodiment of the present invention, for example, the user side selects an appropriate authentication means such as “visually impaired person uses voiceprint authentication”. Is possible.

  As described above, in the payment system 100 according to the second embodiment of the present invention, the payment server that can connect the user terminal device 110 of the user and the store terminal device 120 of the store is connected to the user terminal device 110. The transaction number generated by receiving payment intention information, generating a transaction number for the received payment intention information, associating the generated transaction number with the user terminal device ID and storing them in a predetermined storage medium Is transmitted to the user terminal device 110. Then, the settlement intermediary server 131 receives the transaction number, payment amount, and store terminal device ID transmitted to the user terminal device 110 from the store terminal device 120, and the user terminal device ID corresponding to the received transaction number. And the payment is executed based on the user information related to the extracted user terminal device ID, and at least one of the user terminal device 110 and the store terminal device 120 is notified that the payment has been executed. It is characterized by doing.

  According to the payment system 100 of the second embodiment of the present invention, online payment is performed at a store without using dedicated cards such as a credit card or a debit card and a dedicated terminal for reading information on these cards. be able to.

  In addition, according to the settlement system 100 of the second embodiment of the present invention, for example, by using a settlement means instead of cash such as a credit card or a debit card, it is highly convenient to make a settlement using these settlement means. The personal information of the user can be settled by the face-to-face sales method without being known to a third party such as the store (the store clerk). As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash while maintaining high convenience.

  Further, the settlement system 100 according to the second embodiment of the present invention performs the authentication process of the user based on the information related to the settlement such as the transaction number, the payment amount, and the store terminal device ID, and the authentication process is performed. In some cases, the settlement is performed. According to the settlement system 100 according to the second embodiment of the present invention, by performing settlement based on authentication information, the users who can perform settlement are limited, and the safety in settlement using settlement means instead of cash. And reliability can be improved.

  Further, the settlement system 100 according to the second embodiment of the present invention transmits the transaction information including the user information related to the extracted user terminal device ID and the received payment amount to the user terminal device 110, The authentication information for the transmitted transaction information is received from the user terminal device 110, and authentication processing is performed based on the received authentication information.

  According to the settlement system 100 of the second embodiment of the present invention, the authentication process is performed after the user confirms the user information, the payment amount, and the like. As a result, it is possible to improve safety and reliability in settlement using settlement means instead of cash.

  The settlement methods described in the first and second embodiments can be realized by executing a program prepared in advance on a computer such as a personal computer or a workstation. This program is recorded on a computer-readable recording medium such as a hard disk, a flexible disk, a CD-ROM, an MO, and a DVD, and is executed by being read from the recording medium by the computer. The program may be a transmission medium that can be distributed via a network such as the Internet.

  As described above, the settlement server, the settlement system, the settlement method, and the settlement program according to the present invention are useful for the settlement server, the settlement system, the settlement method, and the settlement program that are used for the settlement using the settlement means that replaces cash. In particular, the present invention is suitable for a settlement server, a settlement system, a settlement method, and a settlement program that are used for settlement in a face-to-face sales method using a settlement means that replaces cash.

DESCRIPTION OF SYMBOLS 100 Payment system 110 User terminal device 110a Input unit 110b Display unit 120 Store terminal device 120a Display unit 120b Input unit 131 Payment mediation server 132 External settlement server 801 Payment amount reception unit 802 Transaction number generation unit 803 Storage unit 804 Transaction number transmission unit 805 Transaction number reception unit 806 Extraction unit 807 Transaction information transmission unit 808 Authentication information reception unit 809 Authentication processing unit 810 Settlement execution unit 811 Notification unit 2901 Payment intention information reception unit

Claims (12)

A payment server to which a user terminal device of a user and a store terminal device of a store are connectable,
A payment amount receiving means for receiving from the store terminal device a payment amount to be paid by the user to the store;
Transaction number generating means for generating a transaction number for the payment amount received by the payment amount receiving means;
Storage means for associating the transaction number generated by the transaction number generation means with the payment amount and the store terminal device ID of the store terminal device in a predetermined storage medium;
Transaction number transmitting means for transmitting the transaction number generated by the transaction number generating means to the store terminal device;
A transaction number receiving means for receiving the transaction number transmitted by the transaction number transmitting means and the user terminal device ID into which the transaction number is input from the user terminal device;
Extraction means for extracting the payment amount and store terminal device ID corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium;
Transaction information transmission means for transmitting transaction information including the payment amount extracted by the extraction means and store information concerning the store terminal device ID to the user terminal device;
Authentication information receiving means for receiving authentication information for the transaction information from the user terminal device;
Payment execution means for executing payment based on the authentication information received by the authentication information receiving means;
Notification means for notifying at least one of the user terminal device and the store terminal device that payment has been executed by the payment execution means;
A settlement server characterized by comprising: An authentication processing means for performing an authentication process based on the authentication information received by the authentication information receiving means;
The settlement server according to claim 1, wherein the settlement execution unit executes settlement when the authentication processing is performed by the authentication processing unit. The store terminal device includes display means for displaying a transaction number transmitted from the settlement server,
The settlement server according to claim 1, wherein the user terminal device includes an input unit that inputs a transaction number displayed on a display unit of the store terminal device. A payment server to which a user terminal device of a user and a store terminal device of a store are connectable,
Payment intention information receiving means for receiving payment intention information related to payment intention from the user to the store from the user terminal device;
Transaction number generating means for generating a transaction number for the payment intention information received by the payment intention information receiving means;
Storage means for associating the transaction number generated by the transaction number generation means with the user terminal device ID of the user terminal device in a predetermined storage medium;
Transaction number transmitting means for transmitting the transaction number generated by the transaction number generating means to the user terminal device;
A transaction number receiving means for receiving the transaction number transmitted by the transaction number transmitting means, the payment amount paid by the user to the store, and the store terminal device ID into which the transaction number is input from the store terminal device;
Extracting means for extracting the user terminal device ID corresponding to the transaction number received by the transaction number receiving means from the predetermined storage medium;
Payment execution means for executing payment based on the user information concerning the user terminal device ID extracted by the extraction means and the information received by the transaction number receiving means;
Notification means for notifying at least one of the user terminal device and the store terminal device that payment has been executed by the payment execution means;
A settlement server characterized by comprising: Based on the user information concerning the user terminal device ID extracted by the extraction means and the information received by the transaction number receiving means, the authentication processing means for performing the authentication process of the user,
The settlement server according to claim 4, wherein the settlement execution unit executes settlement when the authentication processing is performed by the authentication processing unit. Transaction information transmitting means for transmitting transaction information including the user information concerning the user terminal device ID extracted by the extracting means and the payment amount received by the transaction number receiving means to the user terminal device;
Authentication information receiving means for receiving authentication information for the transaction information from the user terminal device;
With
6. The settlement server according to claim 5, wherein the authentication processing means performs an authentication process based on the authentication information received by the authentication information receiving means. The user terminal device includes display means for displaying a transaction number transmitted from the payment server,
The settlement server according to any one of claims 4 to 6, wherein the store terminal device includes an input unit that inputs a transaction number displayed on a display unit of the user terminal device.   The settlement server according to any one of claims 1 to 7, wherein the settlement execution unit transfers a payment amount of money from a user account provided in advance to an account of the store.   A payment system comprising the payment server according to any one of claims 1 to 8, the user terminal device, and the store terminal device. A payment method performed by a payment server capable of connecting a user terminal device of a user and a store terminal device of a store,
A payment amount receiving step of receiving a payment amount to be paid by the user to the store from the store terminal device;
A transaction number generation step for generating a transaction number for the payment amount received by the payment amount reception step;
A registration step of registering the transaction number generated by the transaction number generation step in association with the payment amount and the store terminal device ID;
A transaction number transmission step of transmitting the transaction number generated by the transaction number generation step to the store terminal device;
A transaction number receiving step of receiving the transaction number transmitted by the transaction number transmitting step and the user terminal device ID in which the transaction number is input from the user terminal device;
An extraction step of extracting a payment amount and a store terminal device ID corresponding to the transaction number received by the transaction number receiving step;
A transaction information transmission step of transmitting transaction information including the payment amount extracted by the extraction step and store information related to the store terminal device ID to the user terminal device;
An authentication information receiving step for receiving authentication information for the transaction information from the user terminal device;
A payment execution step of executing payment based on the authentication information received by the authentication information reception step;
A notification step of notifying at least one of the user terminal device and the store terminal device that payment has been executed by the payment execution step;
A payment method characterized by including A payment method performed by a payment server capable of connecting a user terminal device of a user and a store terminal device of a store,
Payment intention information receiving step for receiving payment intention information from the user terminal device regarding payment intention from the user to the store;
A transaction number generating step for generating a transaction number for the payment intention information received by the payment intention information receiving step;
A registration step of registering the transaction number generated by the transaction number generation step in association with the user terminal device ID;
A transaction number transmission step of transmitting the transaction number generated by the transaction number generation step to the user terminal device;
A transaction number receiving step of receiving from the store terminal device the transaction number transmitted by the transaction number transmitting step, the payment amount paid by the user to the store, and the store terminal device ID in which the transaction number is input;
An extraction step of extracting a user terminal device ID corresponding to the transaction number received by the transaction number receiving step;
A payment execution step for executing payment based on the user information concerning the user terminal device ID extracted by the extraction step and the information received by the transaction number reception step;
A notification step of notifying at least one of the user terminal device and the store terminal device that payment has been executed by the payment execution step;
A payment method characterized by including   A settlement program according to claim 10 or 11, wherein the computer executes the settlement method.

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