JP2018077640A - Intermediate settlement server - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an intermediate settlement server for establishing a settlement system excellent in at least transaction security.SOLUTION: An intermediate settlement server comprises: an account management unit that manages a virtual currency account saving an amount of value of a virtual currency; and a control unit that controls a movement of the amount of value of the virtual currency between the virtual currency accounts, and thereby controls intermediate settlement paying the amount of value of the virtual currency before a bank server implements settlement of a payment money. The control unit includes: a value-amount movement unit that moves the amount of value of the virtual currency corresponding to the payment money from the virtual currency account of a payer; a settlement acknowledgement unit that acknowledges the movement of the amount of value of the virtual currency moved by the value-amount movement unit and corresponding to the payment money to the virtual currency account of a recipient; and a remittance request unit that requests the bank server to remit an amount corresponding to the amount of value of the virtual currency moved to the virtual currency account of the recipient to a bank account of the recipient.SELECTED DRAWING: Figure 8

Description

  The present invention relates to an intermediate settlement server. In particular, the present invention relates to an intermediate settlement server for constructing a settlement system.

  Conventionally, various electronic commerce transactions have flourished, and payments are also made by various methods such as bank transfer, credit card payment, convenience store payment, and prepaid card payment. In particular, prepaid card payments are not limited to payment of transportation fares due to their high convenience. They are introduced into point-of-sales (POS) systems for retailers, electronic commerce via the Internet, etc. Widely used.

  For example, Patent Document 1 discloses the following transaction method as a transaction method for an electronic money system. That is, in the transaction method of Patent Document 1, the amount of money that the consumer 12 needs from the bank account 42 is withdrawn and stored in the IC card 30 issued from the retailer 10 to the consumer 12. At the same time, in the transaction method of Patent Document 1, when the same amount as the withdrawal amount of the consumer 12 is transferred to the bank account 44 of the retail business 10, and when a product is purchased from the retail business 10 or a service is provided, Pay the bill using IC card 30.

JP 09-259193 A

  The transaction method of Patent Document 1 requires that the consumer 12 withdraws cash from his bank account 42 and stores it in the IC card 30. For this reason, in the transaction method of Patent Document 1, the stored amount of money may be lost due to the theft of the IC card 30 and the like, and the promotion of cashlessness that contributes to the reduction of crimes such as theft or robbery. Is difficult. Further, in the transaction method of Patent Document 1, the same amount as the withdrawal amount of the consumer 12 is immediately transferred to the bank account 44 of the retail business 10 and the settlement is executed. For this reason, in the transaction method of Patent Document 1, even when an unauthorized person withdraws cash from the bank account 42 of the consumer 12, the payment is immediately executed, and the situation where the unauthorized payment is executed is stopped. Is difficult. Therefore, the transaction method of Patent Document 1 has room for improvement from the viewpoint of transaction security regarding settlement.

  Further, the transaction method disclosed in Patent Document 1 requires expensive cash management devices such as ATM (automatic teller machine) and POS terminals at banks and retail stores. For this reason, the transaction method of Patent Document 1 requires the cost of introducing a cash management device and the cost of collecting or supplementing cash from the cash management device. Therefore, the transaction method of Patent Document 1 has room for improvement from the viewpoint of cost.

  Further, in the transaction method of Patent Document 1, since cash is withdrawn from the bank account 42 of the consumer 12, the bank deposits corresponding to the withdrawn amount are reduced in the bank. For this reason, in the transaction method of patent document 1, the funds used for financing and operation in the bank decrease. Therefore, the transaction method of Patent Document 1 has room for improvement from the viewpoint of the development of social economic and industrial activities.

  This invention is made | formed in view of the above-mentioned situation, and makes it an example of a subject to solve the above problems. That is, an example of the subject of the present invention is to provide an intermediate settlement server for constructing a settlement system with at least excellent transaction security. Preferably, in addition to this transaction security, cost and development It is to provide an intermediate settlement server for constructing a settlement system with excellent performance.

  An intermediate settlement server according to an aspect of the present invention controls an account management unit that manages a virtual currency account that stores a value amount of a virtual currency, and controls movement of the value amount of the virtual currency between the virtual currency accounts. A control unit for controlling an intermediate settlement for paying a value amount of the virtual currency before the bank server executes the settlement of the payment, and the control unit includes the virtual currency corresponding to the payment A value amount moving unit that moves the value amount of the payer from the virtual currency account of the payer, and a value amount of the virtual currency corresponding to the payment transferred by the value amount moving unit is the receiver's virtual currency account A payment approval unit that approves the transfer to the receiver, and the bank server that transfers the amount corresponding to the value of the virtual currency transferred to the receiver's virtual currency account to the receiver's bank account. Request to send It includes a request unit, the.

  Preferably, in the intermediate settlement server, the account management unit manages an intermediary account that is the virtual currency account for mediating that the value amount of the virtual currency moves between the virtual currency accounts, The value amount transfer unit moves the value amount of the virtual currency corresponding to the payment amount from the virtual currency account of the payer to the brokerage account, and the value amount of the virtual currency corresponding to the payment amount is When the settlement approval unit approves the transfer to the receiver's virtual currency account, the value amount of the virtual currency corresponding to the payment is transferred from the brokerage account to the receiver's virtual currency account.

  Preferably, in the intermediate settlement server, the settlement approval unit is configured to hold the period until a predetermined time elapses after a request is made to pay the value of the virtual currency corresponding to the payment. Withholding approval for the value amount of the virtual currency corresponding to the payment to be transferred to the recipient's virtual currency account.

  Preferably, in the intermediate settlement server, the control unit further includes an authentication unit that authenticates a request for execution of a settlement process transmitted from the settlement medium of the payer to request execution of settlement of the payment. The settlement approval unit performs the approval after the suspension period elapses when the settlement process execution request is authenticated by the authentication unit during the suspension period, and the settlement process execution request is transmitted to the authentication unit. Otherwise, the authorization is not performed and the payer's virtual currency account is frozen.

  The settlement system according to one aspect of the present invention can provide an intermediate settlement server for constructing at least a settlement system excellent in transaction security. Preferably, in addition to this transaction security, cost and It is possible to provide an intermediate settlement server for constructing a settlement system with excellent expandability.

Several embodiments of the present invention will now be described, by way of example only, with reference to the accompanying drawings.
1 is a diagram illustrating an overall configuration of a settlement system according to an embodiment of the present invention. It is a figure for demonstrating the outline | summary of the payment process performed with the payment system which concerns on embodiment of this invention. It is a figure which shows the structure of the payment medium of the payment system which concerns on embodiment of this invention. It is a figure for demonstrating the two-dimensional code image displayed on the 2nd payment medium of the payment system which concerns on embodiment of this invention. It is a figure which shows the external appearance structure of EC terminal of the payment system which concerns on embodiment of this invention. It is a figure which shows the functional structure of EC terminal of the payment system which concerns on embodiment of this invention. It is a figure which shows the structure of the bank server of the payment system which concerns on embodiment of this invention. It is a figure which shows the structure of the intermediate payment server of the payment system which concerns on embodiment of this invention. It is a figure which shows the flow of the use registration process performed with the payment system which concerns on embodiment of this invention. It is a figure which shows the flow of the 1st payment process performed with the payment system which concerns on embodiment of this invention. It is a figure which shows the flow of the 1st payment process performed following the process shown by FIG. It is a figure which shows the flow of the authentication process in the 1st payment process shown by FIG.10 and FIG.11. It is a figure which shows the flow of the approval process in the 1st payment process shown by FIG.10 and FIG.11. It is a figure which shows the flow of the 2nd payment process performed with the payment system which concerns on embodiment of this invention. It is a figure which shows the flow of the 2nd payment process performed following the process shown by FIG. It is a figure which shows the flow of the 2nd payment process performed following the process shown by FIG. It is a figure which shows the flow of the authentication process in the 2nd payment process shown by FIGS.

  Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. Embodiment described below shows some examples of the present invention, and does not limit the contents of the present invention. In addition, all the configurations and operations described in the embodiments are not necessarily essential as the configurations and operations of the present invention. In addition, the same referential mark is attached | subjected to the same component and the overlapping description is abbreviate | omitted.

[1. Overview of payment system]
FIG. 1 is a diagram showing an overall configuration of a payment system 1 according to an embodiment of the present invention. FIG. 2 is a diagram for explaining the outline of the payment process executed in the payment system 1 according to the embodiment of the present invention.

  The payment system 1 is a payment system for electronic commerce. Preferably, the payment system 1 is a payment system for performing payment of electronic commerce on an EC (electronic commerce) site in which one or a plurality of sellers participate. A person who uses the settlement system 1 includes at least a payer who purchases goods or services and pays the payment, and a receiver who sells the goods and receives the payment. Note that a person who uses the payment system 1 including a payer and a payee is also collectively referred to as a “user”. In addition, the settlement process executed by the settlement system 1 in order to fulfill the settlement of payment in electronic commerce is also simply referred to as “settlement process”.

  In the payment system 1, as shown in FIG. 1, the information terminal 11 of the payer who owns the payment medium 10, the information terminal 11 of the recipient, the EC terminal 100, the bank server 200, the intermediate payment server 300, Are connected to each other via a network 5 such as the Internet.

  The settlement medium 10 is a medium used when a payer requests settlement in the settlement process. The settlement medium 10 is composed of, for example, a portable information terminal such as a smartphone or a non-contact type IC card. The detailed configuration of the settlement medium 10 will be described later with reference to FIGS.

  The information terminal 11 is an information terminal such as a smartphone or a personal computer. Using the information terminal 11, the user can view transaction details such as purchase details of products and payment details. The information terminal 11 can also serve as the payment medium 10.

  The EC terminal 100 is an information terminal that displays an EC site and allows a user to browse and purchase products and settle payments. The EC terminal 100 may be installed at various spots such as retail stores, hotels, stations, airports, banks, post offices, street corners, and the like. That is, the EC terminal 100 does not need to be installed in the store of a seller (recipient) of goods or the like. A detailed configuration of the EC terminal 100 will be described later with reference to FIGS. 5 and 6.

  The bank server 200 is a server device that manages a bank account of a user and provides a bank transaction service via the network 5 such as Internet banking. The bank server 200 executes settlement of the payment by transferring the payment from the payer's bank account to the payee's bank account. The process of transferring the payment from the payer's bank account to the payee's bank account is also referred to as “remittance process”.

Moreover, the bank server 200 manages the pool account used for the movement of the amount between bank accounts by a payment process. The pool account, which is a bank account managed by the bank server 200, can be preliminarily accumulated from the payer's bank account with a predetermined reserve amount up to the deposit balance of the payer's bank account. ing. The detailed configuration of the bank server 200 will be described later with reference to FIG.

  The intermediate payment server 300 is a server device for constructing the payment system 1 and manages a user's virtual currency account and executes an intermediate payment process. The intermediate settlement process is a process of paying the value of the virtual currency corresponding to the payment before the bank server 200 executes the settlement of the payment in the payment process. The virtual currency is money having a value amount corresponding to cash which is a legal currency. The virtual currency of this embodiment is also called a pseudo currency. The virtual currency of the present embodiment may be a concept including points that are issued by a retailer or the like and exchangeable for benefits such as a discount coupon provided by the retailer or the like. The virtual currency account is an account that deposits the value of the virtual currency, and corresponds to a bank account that deposits cash. Prior to the settlement of the payment by the bank server 200 in the settlement process, the settlement performed by the intermediate settlement server 300 according to the value amount in the intermediate settlement process corresponds to the settlement of the payment in the bank server 200. This is also referred to as “intermediate settlement”.

  In addition, the intermediate settlement server 300 manages a brokerage account that is a virtual currency account for mediating the transfer of the value amount between the virtual currency accounts by the intermediate settlement process.

  The intermediate payment server 300 may be managed by an intermediate payment center. That is, the intermediate settlement server 300 may be managed by a subject different from the bank that manages the bank server 200. The detailed configuration of the intermediate settlement server 300 will be described later with reference to FIG.

  FIG. 1 shows that the payer A has a bank account A in the bank server 200 and a virtual currency account A in the intermediate settlement server 300. Similarly, it is shown that the recipient X has a bank account X in the bank server 200 and a virtual currency account X in the intermediate settlement server 300. The same applies to the payer B and the payee Y.

  FIG. 2 is a diagram for explaining the outline of the payment process executed in the payment system 1 according to the embodiment of the present invention.

  In the payment system 1, a payer who has made a purchase procedure using the EC terminal 100 requests the EC terminal 100 to execute a payment process using the payment medium 10, whereby the payment related to the bank server 200 and the intermediate payment server 300. Processing is executed. In the settlement process, as a stage before the bank server 200 executes settlement of the payment, the intermediate settlement server 300 executes the intermediate settlement process to move the value amount corresponding to the payment.

  Specifically, as shown in FIG. 2, when the payer A touches the payment medium 10 on the reading unit of the EC terminal 100, a payment processing execution request is transmitted from the payment medium 10 to the EC terminal 100. . Touching the payment medium 10 means placing the payment medium 10 at a position where the EC terminal 100 can accept the execution request for the payment process from the payment medium 10. Touching the settlement medium 10 does not matter whether the settlement medium 10 and the EC terminal 100 are in a contact state or a non-contact state.

  When the payment medium 10 is touched on the reading unit of the EC terminal 100, the EC terminal 100 accepts an execution request for payment processing. Then, the EC terminal 100 creates payment information in response to the accepted payment processing execution request. The payment information is information indicating the payment contents in the current payment processing. The EC terminal 100 creates settlement information using the amount information of the payment and the identification information of the payer A and the recipient X. Then, the EC terminal 100 transmits an execution request for the intermediate payment process including the payment information to the intermediate payment server 300 so that the intermediate payment process is executed based on the payment information. Thus, the EC terminal 100 can also be expressed as “accepting terminal” in order to accept an execution request for the settlement process from the settlement medium 10.

  The intermediate payment server 300 executes the intermediate payment process in response to the execution request for the intermediate payment process.

  Specifically, the intermediate payment server 300 confirms the payment information included in the execution request for the intermediate payment processing, and converts the amount information of the payment included in the payment information into the value amount of the virtual currency. Then, the intermediate settlement server 300 pays the recipient X the value amount of the virtual currency corresponding to the payment amount information.

  Here, when the user including the payer A uses the payment system 1 for the first time, the intermediate payment server 300 issues a value amount corresponding to the above-described reserve accumulated in the pool account P, and the payer A It is possible to deposit in the virtual currency account A. Furthermore, the intermediate settlement server 300 manages a brokerage account M, which is a virtual currency account for mediating the transfer of the value amount between the virtual currency accounts by the intermediate settlement process.

  When the interim settlement server 300 pays the payee X the value of the virtual currency corresponding to the amount information of the payment, the interim settlement server 300 pays out the value of the virtual currency previously deposited in the payer A's virtual currency account A. Pay the amount of value corresponding to the money. At this time, the intermediate settlement server 300 temporarily transfers the value amount corresponding to the payment to the brokerage account M from the payer A's virtual currency account A, and transfers the value amount corresponding to the payment to the receiver X's virtual currency account X. To defer payment for a certain period. Then, after being held for a certain period, the intermediate settlement server 300 approves that the value amount corresponding to the payment is transferred to the receiver X's virtual currency account X. That is, the interim settlement server 300 makes a payment with the value amount of the virtual currency (intermediate settlement) by approving the payment of the value amount corresponding to the payment to the virtual currency account X of the recipient X for a certain period of time. Hold the performance of for a certain period. The period during which the approval for moving the value amount transferred to the brokerage account M to the recipient's virtual currency account is suspended is also referred to as a “holding period”.

  Thereafter, the intermediate settlement server 300 transfers the amount corresponding to the value of the virtual currency moved by the intermediate settlement process from the bank account A of the payer A managed by the bank server 200 to the bank account X of the recipient X. An execution request for remittance processing is transmitted to the bank server 200. The intermediate settlement server 300 once moves the value amount corresponding to the payment to the brokerage account M from the payer A's virtual currency account A, the settlement with the value amount of the virtual currency (intermediate settlement) is performed. A settlement notice to that effect may be transmitted to the information terminal 11 of the payer A.

  When the bank server 200 receives the request for executing the remittance process, the bank server 200 remits the payment in the current settlement process to the bank account X of the recipient X from the predetermined reserves accumulated in advance in the pool account P. This reserve is accumulated when the user including the payer A uses the payment system 1 for the first time. Then, when the bank server 200 executes the remittance process in the settlement process, the value amount of the virtual currency moved by the intermediate settlement process from the reserves previously accumulated in the pool account P from the bank account A of the payer A Is transferred to the bank account X of the recipient X. That is, the bank server 200 receives the payment indirectly through the pool account P instead of directly transferring the payment from the bank account A of the payer A to the bank account X of the payee X in the settlement process. Transfer money to bank account X of person X. When the remittance process is executed by the bank server 200, settlement of the payment in the current settlement process is performed.

  Thus, it can be said that the payment system 1 is a payment system incorporating a debit type payment method.

[2. Payment medium structure]
FIG. 3 is a diagram showing a configuration of the payment medium 10 of the payment system 1 according to the embodiment of the present invention. FIG. 3A shows the configuration of the first payment medium 20 included in the payment medium 10. FIG. 3B shows a configuration of the second payment medium 30 included in the payment medium 10. FIG. 4 is a diagram for explaining a two-dimensional code image displayed on the second payment medium 30 of the payment system 1 according to the embodiment of the present invention.

  In the payment system 1, payment processing can be performed using a plurality of different media as the payment medium 10. The payment medium 10 includes at least a first payment medium 20 and a second payment medium 30 that are different from each other. The payment process executed using the first payment medium 20 is also referred to as “first payment process”. The payment process executed using the second payment medium 30 is also referred to as “second payment process”.

  The first settlement medium 20 is a storage medium that performs short-range wireless communication. The 1st payment medium 20 may be comprised from non-contact-type IC cards, such as an NFC (near field radio communication) card, for example.

  As shown in FIG. 3A, the first payment medium 20 includes a communication unit 21, a storage unit 22, and a control unit 23.

  The communication unit 21 is a communication unit that performs near field communication with the EC terminal 100.

  The storage unit 22 is a storage unit that stores various types of information necessary for executing various types of control processing performed by the control unit 23. For example, in a predetermined storage area of the storage unit 22, storage medium identification information assigned to each individual first payment medium 20 is stored in advance. The storage unit 22 stores a payment record. The settlement record is information that records the amount information of the payment paid in the settlement process. In addition, the storage unit 22 stores a program related to creation of an execution request for payment processing and verification between payment records and movement records, which will be described later.

  The control unit 23 is a control unit that performs overall control of each component included in the first payment medium 20 and executes control processing for realizing various functions of the first payment medium 20. The controller 23 may be configured using a processor, for example.

  The control unit 23 includes a settlement request unit 24 and a verification unit 25 as shown in FIG.

  The settlement request unit 24 has a function of creating a settlement process execution request and transmitting it to the EC terminal 100 via the communication unit 21. The settlement request unit 24 creates a settlement process execution request including the identification information of the storage medium stored in the storage unit 22 and transmits it to the EC terminal 100.

  The collation unit 25 has a function of collating the payment record stored in the storage unit 22 with the movement record transmitted from the intermediate payment server 300 via the EC terminal 100. The transfer record is information that records the amount of value transferred from the payer's virtual currency account to the brokerage account in the intermediate settlement process. That is, the transfer record shows the transfer result of the value amount from the payer's virtual currency account to the brokerage account M. When the transfer record is transmitted from the intermediate settlement server 300 to the EC terminal 100, the transfer record is transmitted in a state converted into an amount corresponding to the transferred value amount. Details of the verification process between the settlement record and the movement record will be described later with reference to FIG.

  The second settlement medium 30 is an information terminal that performs wireless communication via the network 5. The 2nd payment medium 30 may be comprised from portable information terminals, such as a smart phone, for example. The second payment medium 30 can also serve as the information terminal 11.

  As shown in FIG. 3B, the second payment medium 30 includes a communication unit 31, a storage unit 32, a display unit 33, and a control unit 34.

  The communication unit 31 is a communication unit that performs wireless communication. In particular, the communication unit 31 can perform wireless communication with the intermediate settlement server 300 via the network 5.

  The storage unit 32 is a storage unit that stores various types of information necessary for executing various types of control processing performed by the control unit 34. For example, in a predetermined storage area of the storage unit 32, information terminal identification information assigned to each individual second payment medium 30 is stored in advance. Further, the storage unit 32 stores a payment application which is an application program related to creation of a payment processing execution request and the like.

  The display unit 33 is a display that displays information such as characters and images. The display unit 33 may be configured by a display provided in advance in the information terminal that constitutes the second settlement medium 30.

  The control unit 34 is a control unit that performs overall control of each component included in the second payment medium 30 and executes control processing for realizing various functions of the second payment medium 30. The control unit 34 may be configured using a processor, for example.

  As shown in FIG. 3B, the control unit 34 includes an information acquisition unit 35, an information conversion unit 36, and a settlement request unit 37.

  The information acquisition unit 35 has a function of acquiring information necessary for creating a settlement process execution request. The information acquisition unit 35 acquires payer's user information, identification information of the information terminal that is the second payment medium 30, time information, and random numbers as information necessary to create a payment processing execution request.

  The user information is information related to the user of the payment system 1 and is registered in the bank server 200 and the intermediate payment server 300 as a database. The user information includes user identification information, password, identification information of the storage medium that is the first settlement medium 20, identification information of the storage medium that is the second settlement medium 30, contact information, bank account information, virtual currency Account information and each usage limit are included. These pieces of information included in the user information are registered in association with each other.

  The contact information is information such as the user's address, name, telephone number, and mail address. The bank account information is information such as the account number of the user's bank account, the balance, and the amount that can be settled. The virtual currency account information is information such as the account number of the user's virtual currency account, the balance, and the amount that can be settled. The settlement possible amount is the amount or value amount of payment that can be settled in the current settlement process.

  Each usage limit is a one-time usage limit, a monthly usage limit, and a password non-use limit. The one-time use limit is the limit of payment in one settlement process, and the upper limit is the balance of the deposit in the user's bank account. In other words, if the deposit balance decreases after the one-time use limit is set as the deposit balance of the bank account and falls below the one-time use limit, the one-time use limit decreases in conjunction with the deposit balance. The monthly usage limit is the upper limit of payment amount for one month. The password non-use limit is an upper limit amount of payment in a settlement process that is executed without requiring a password input to the payer.

  The information acquisition unit 35, when creating a payment processing execution request, communicates with the intermediate payment server 300 to identify user identification information and virtual currency account information included in the user information registered in the intermediate payment server 300 in advance. Get the settlement amount of. Further, the information acquisition unit 35 acquires the identification information of the information terminal stored in advance in a predetermined storage area of the storage unit 32. The information acquisition unit 35 acquires current time information from an external device via the network 5. Preferably, the information acquisition unit 35 can acquire time information synchronized with the time information of the intermediate settlement server 300. The information acquisition unit 35 acquires a random number from a random number generation unit (not shown) included in the second settlement medium 30. This random number generation unit preferably generates a random number with the same or corresponding generation method and generation timing as the generation method and generation timing of the intermediate settlement server 300. The information acquisition unit 35 and the intermediate settlement server 300 can generate a one-time password based on the acquired time information and random numbers. Then, the information acquisition unit 35 outputs the acquired information to the information conversion unit 36.

  The information conversion unit 36 has a function of converting the information acquired by the information acquisition unit 35 into a two-dimensional code image together with a payment process execution request. Specifically, the information conversion unit 36 includes the user identification information and virtual currency account information that are user information acquired by the information acquisition unit 35 and the settlement amount of the virtual currency account information, and the information terminal that is the second payment medium 30. Information including identification information, time information, and a random number is converted into a two-dimensional code image together with an execution request for payment processing. At this time, the information conversion unit 36 converts the information that is the basis of these two-dimensional code images into a plurality of different two-dimensional code images over time. For example, the information conversion unit 36 converts the information that is the basis of these two-dimensional code images into a two-dimensional code image that is different from the previous two-dimensional code image every time a predetermined time (for example, 1 second) elapses. .

  The settlement request unit 37 has a function of requesting the EC terminal 100 to execute settlement processing. Specifically, the settlement request unit 37 causes the display unit 33 to display a plurality of two-dimensional code images converted by the information conversion unit 36 for each conversion. As shown in FIG. 4, the two-dimensional code image displayed on the display unit 33 is displayed as a two-dimensional code image that dynamically changes over time. Since the two-dimensional code image includes an execution request for payment processing, the second payment medium 30 is displayed on the EC terminal 100 by touching the EC terminal 100 with the display unit 33 displaying the two-dimensional code image. An execution request for settlement processing can be transmitted. As will be described later, the intermediate settlement server 300 authenticates the execution request for the settlement process from the second settlement medium 30 using a plurality of two-dimensional code images. That is, the settlement request unit 37 uses the plurality of two-dimensional code images transmitted by causing the display unit 33 to display the two-dimensional code image a plurality of times in one settlement process, and performs the settlement process on the intermediate settlement server 300. The execution request can be authenticated.

[3. Configuration of EC terminal]
FIG. 5 is a diagram showing an external configuration of the EC terminal 100 of the payment system 1 according to the embodiment of the present invention. FIG. 6 is a diagram showing a functional configuration of the EC terminal 100 of the payment system 1 according to the embodiment of the present invention.

  The EC terminal 100 has a transaction service providing function related to browsing, purchase and delivery of products and the like on the EC site, and a service providing function related to settlement. The EC terminal 100 has a function for receiving a settlement process execution request, a function for notifying the execution result of the settlement process to the user, and the like as a service providing function related to the settlement.

  The EC terminal 100 can accept whether the payer uses either the first payment medium 20 or the second payment medium 30 to request execution of the payment process. That is, the EC terminal 100 does not ask the payer to select the first payment process or the second payment process, but automatically executes the subsequent processes according to the type of the payment medium 10 used by the payer. be able to.

  As shown in FIGS. 5 and 6, the EC terminal 100 includes a transaction management unit 101, a communication unit 102, a storage unit 103, a display unit 104, a printer unit 105, a reader / writer unit 106, and a code reader. Unit 107 and control unit 108.

  The transaction management unit 101 has a function of managing a transaction service related to sales management of products and the like, browsing, purchase and delivery of products and the like. The transaction management unit 101 is communicably connected to a transaction management server (not shown) that manages these transaction services. The transaction management unit 101 can obtain the transaction information related to these transaction services from the transaction management server and display them on the display unit 104 to provide these transaction services to the user.

  Moreover, the transaction management part 101 produces payment related information based on the transaction information acquired from the transaction management server. The settlement related information includes information on the amount of payment, user information of the payer, and user information of the recipient. The transaction management unit 101 outputs the created payment-related information to the control unit 108, and can provide a service related to payment.

  The communication unit 102 is a communication unit that performs wired or wireless communication. In particular, the communication unit 102 can communicate with the intermediate settlement server 300 via the network 5.

  The storage unit 103 is a storage unit that stores various types of information necessary for executing various types of control processing performed by the control unit 108. For example, in a predetermined storage area of the storage unit 103, terminal identification information assigned to each individual EC terminal 100 is stored in advance. In addition, the storage unit 103 includes a program relating to acceptance of a settlement processing execution request, creation of settlement information, creation of an intermediate settlement processing execution request, and verification of payment amount information and transfer records, which will be described later, and the like. It is remembered.

  The display unit 104 is a display provided in the EC terminal 100 and displays information such as characters and images.

  The printer unit 105 is a printer module that prints out transaction details such as purchase contents of merchandise and payment details.

  The reader / writer unit 106 is a part to which the first settlement medium 20 of the EC terminal 100 is touched. The reader / writer unit 106 performs short-range wireless communication with the first payment medium 20 to accept a request for execution of the payment process from the first payment medium 20 and make a payment to the storage unit 22 of the first payment medium 20. Write a record.

  The code reader unit 107 is a part where the second settlement medium 30 of the EC terminal 100 is touched. The code reader unit 107 reads the two-dimensional code image displayed on the display unit 33 of the second settlement medium 30 and accepts a settlement process execution request from the second settlement medium 30. In FIG. 5, the reader / writer unit 106 and the code reader unit 107 are arranged in separate areas, but may be formed in an integrated structure and arranged in the same area.

  The control unit 108 is a control unit that performs overall control of each component included in the EC terminal 100 and executes control processing for realizing various functions of the EC terminal 100. The control unit 108 may be configured using a processor, for example.

  As illustrated in FIG. 6, the control unit 108 includes a settlement medium determination unit 109, a settlement information creation unit 110, an intermediate settlement request unit 111, and a matching unit 112.

  The payment medium determination unit 109 has a function of determining from which of the first payment medium 20 or the second payment medium 30 the execution request for the payment process received by the EC terminal 100 is received. Specifically, when the accepted payment process execution request is received by the reader / writer unit 106, the payment medium determination unit 109 is a request from the first payment medium 20. Is determined. The payment medium determination unit 109 determines that the execution request for the payment process is a request from the second payment medium 30 when the code reader unit 107 receives the received payment process execution request.

  The payment information creation unit 110 has a function of creating payment information according to the determination result in the payment medium determination unit 109. Specifically, when it is determined that the accepted payment processing execution request is a request from the first payment medium 20, the payment information creation unit 110 creates first payment information as payment information. When it is determined that the received payment processing execution request is a request from the second payment medium 30, the payment information creation unit 110 creates second payment information as payment information.

  The first settlement information is settlement information created when the settlement process execution request is a request from the first settlement medium 20. The first settlement information includes settlement related information, identification information of the EC terminal 100, and identification information of a storage medium that is the first settlement medium 20. The payment related information included in the first payment information may include information on the amount of payment and user information of the payer and recipient. In particular, the payment related information included in the first payment information may include identification information of the payer and the payee as user information of the payer and the payee.

  The second settlement information is settlement information created when the settlement process execution request is a request from the second settlement medium 30. The second payment information includes payment related information, identification information of the EC terminal 100, and a two-dimensional code image. The payment related information included in the second payment information may include information on the amount of payment and user information on the payer and recipient. The payment related information included in the second payment information may include identification information of the payer and the payee as user information of the payer and the payee. In addition, the two-dimensional code image included in the second settlement information includes a user's identification information and a settlement possible amount of the virtual currency account information, identification information of the information terminal that is the second settlement medium 30, time information, And random numbers.

  The intermediate payment request unit 111 has a function of requesting the intermediate payment server 300 for an intermediate payment process. Specifically, the intermediate settlement request unit 111 creates an execution request for the intermediate settlement process including the first settlement information or the second settlement information created by the settlement information creation unit 110, and transmits it to the intermediate settlement server 300. . The execution request for the intermediate payment process is encrypted.

  The collation unit 112 has a function of collating the amount information of the payment included in the first settlement information with the movement record transmitted from the intermediate settlement server 300. Details of the collation process between the payment amount information and the transfer record will be described later with reference to FIGS.

[4. Bank server configuration]
FIG. 7 is a diagram showing a configuration of the bank server 200 of the settlement system 1 according to the embodiment of the present invention.

  The bank server 200 has a function of registering use of a person who uses the payment system 1. Further, the bank server 200 has a function of performing payment settlement by executing the above-described remittance processing.

  As shown in FIG. 7, the bank server 200 includes a bank account management unit 201, a communication unit 202, a storage unit 203, and a control unit 204.

  The bank account management unit 201 is a database management system that manages bank accounts and pool accounts P of users including payers and payees. The bank account management unit 201 associates at least the identification information of the user, the identification information of the storage medium that is the first settlement medium 20, and the identification information of the information terminal that is the second settlement medium 30 with the bank account, I manage my bank account.

  The communication unit 202 is a communication unit that performs wired or wireless communication. In particular, the communication unit 202 can communicate with the intermediate settlement server 300 via the network 5.

  The storage unit 203 is a storage unit that stores various types of information necessary for executing various types of control processing performed by the control unit 204. For example, the storage unit 203 stores a program related to execution of a usage registration process and a remittance process, which will be described later.

  The control unit 204 is a control unit that performs overall control of each component included in the bank server 200 and executes control processing for realizing various functions of the bank server 200. The control unit 204 may be configured using, for example, a processor.

  As shown in FIG. 7, the control unit 204 includes a use registration unit 205 and a remittance processing unit 206.

  The usage registration unit 205 has a function of performing usage registration of a person who uses the payment system 1. Specifically, the usage registration unit 205 creates user information when a person using the payment system 1 requests use of the payment system 1 using the information terminal 11 or the second payment medium 30 that is an information terminal. And register with the bank account management unit 201. Then, the use registration unit 205 uses the bank account management unit 201 to pool the reserve money from the user's bank account to the pool account P. Then, the usage registration unit 205 transmits a request for opening a virtual currency account to the intermediate settlement server 300 via the communication unit 202. At this time, the usage registration unit 205 transmits the virtual currency account opening request including the user information. Then, the usage registration unit 205 transmits a request for issuing a value corresponding to the reserve to the intermediate settlement server 300 via the communication unit 202. The process of registering a person who uses the payment system 1 in the payment system 1 is also referred to as “use registration process”. Details of the usage registration process will be described later with reference to FIG.

  The remittance processing unit 206 has a function of executing a remittance process when a remittance process execution request is received. Specifically, when the remittance processing unit 206 receives a request for executing remittance processing from the intermediate settlement server 300 via the communication unit 202, the remittance processing unit 206 identifies the amount information included in the request as the payment in the current settlement process. At the same time, each bank account is specified from each identification information of the payer and the payee. Then, using the bank account management unit 201, the remittance processing unit 206 uses the bank account management unit 201 to store the amount specified as the payment in the current settlement process from the reserves previously stored in the pool account P. Send money to. Then, the remittance processing unit 206 transmits a remittance completion notification indicating that the remittance process has been completed to the intermediate settlement server 300.

[5. Intermediate payment server configuration]
FIG. 8 is a diagram showing a configuration of the intermediate payment server 300 of the payment system 1 according to the embodiment of the present invention.

  The intermediate settlement server 300 has a function of performing usage registration regarding a virtual currency account of a person who uses the settlement system 1. Further, the intermediate payment server 300 has a function of executing the intermediate payment with the value amount of the virtual currency by executing the above-described intermediate payment processing.

  As shown in FIG. 8, the intermediate settlement server 300 includes an account management unit 301, a transmission unit 302, a reception unit 303, a storage unit 304, and a control unit 305.

  The account management unit 301 is a database management system that manages a virtual currency account of a user including a payer and a payee, and an intermediary account M. The account management unit 301 associates at least the identification information of the user, the identification information of the storage medium that is the first settlement medium 20, and the identification information of the information terminal that is the second settlement medium 30 with the virtual currency account, I manage a virtual currency account.

  The transmission unit 302 is a transmission unit that transmits various types of information by wired or wireless communication. In particular, the transmission unit 302 can transmit various types of information to the EC terminal 100 and the bank server 200 via the network 5.

  The receiving unit 303 is a receiving unit that receives various types of information through wired or wireless communication. In particular, the receiving unit 303 can receive various types of information from the EC terminal 100 and the bank server 200 via the network 5.

  The storage unit 304 is a storage unit that stores various types of information necessary for executing various types of control processing performed by the control unit 305. For example, movement recording is stored in the storage unit 304. In addition, the storage unit 304 stores a program related to execution of an intermediate settlement process including a use registration process and an authentication process and an approval process described later.

  The control unit 305 is a control unit that performs overall control of each component included in the intermediate payment server 300 and executes control processing for realizing various functions of the intermediate payment server 300. The control unit 305 controls the intermediate settlement for paying the value of the virtual currency before the bank server 200 executes the payment settlement by controlling the movement of the value of the virtual currency between the virtual currency accounts. can do. The control unit 305 may be configured using a processor, for example.

  As shown in FIG. 8, the control unit 305 includes a use registration unit 306, a value amount conversion unit 307, a value amount transfer unit 308, a movement record creation unit 309, an authentication unit 310, and a payment approval unit 311. And a remittance request unit 312.

  The usage registration unit 306 has a function of performing usage registration regarding a virtual currency account of a person who uses the settlement system 1. Specifically, when the reception unit 303 receives a virtual currency account opening request from the bank server 200, the usage registration unit 306 opens a virtual currency account based on the user information included in the request, and manages the account. Registered in the unit 301. In addition, when the receiving unit 303 receives the value amount issuance request corresponding to the reserve from the bank server 200, the usage registration unit 306 converts the amount information of the reserve included in the request into the value amount of the virtual currency. Issue to a virtual currency account. At this time, the use registration unit 306 uses the value amount conversion unit 307 to convert the virtual currency into the value amount.

  The value amount conversion unit 307 has a function of converting a cash amount, which is a legal currency, into a virtual currency value amount, and converting a virtual currency value amount into a cash amount. The exchange rate between cash and virtual currency may be a fixed rate set in advance, or may be a variable rate that fluctuates according to demand and supply.

  The value amount transfer unit 308 has a function of transferring a value amount between virtual currency accounts. Specifically, when the receiving unit 303 receives the execution request for the intermediate settlement process from the EC terminal 100, the value amount moving unit 308 receives the amount of payment from the first settlement information or the second settlement information included in the request. Identify information. Then, the value amount transfer unit 308 uses the account management unit 301 to move the value amount of the virtual currency corresponding to the amount information of the payment from the payer's virtual currency account to the brokerage account M. Further, when approved by the settlement approval unit 311, the value amount transfer unit 308 uses the account management unit 301 to transfer the value amount of the virtual currency corresponding to the payment amount information from the brokerage account M to the recipient's virtual Move to currency account.

  The movement record creation unit 309 has a function of creating and storing movement records. Specifically, the transfer record creation unit 309 creates a transfer record from the value amount transferred from the payer's virtual currency account to the brokerage account M, and stores it in the storage unit 304. The movement record is used for a verification process executed by the verification unit 25 of the first settlement medium 20 and a verification process executed by the verification unit 112 of the EC terminal 100.

  The authentication unit 310 has a function of authenticating a settlement process execution request received by the EC terminal 100. The process of authenticating the settlement process execution request accepted by the EC terminal 100 is also referred to as “authentication process”. The authentication unit 310 executes the authentication process at different timings and processing contents in the first settlement process and the second settlement process. Details of the authentication process will be described later with reference to FIGS.

  The payment approval unit 311 has a function of approving the performance of the intermediate payment. Specifically, the payment approval unit 311 approves the performance of the intermediate payment by approving the transfer of the value amount transferred to the brokerage account M to the recipient's virtual currency account. The process of approving the performance of the intermediate settlement is also referred to as “approval process”.

  The settlement approval unit 311 performs the approval for transferring the value amount transferred to the brokerage account M to the recipient's virtual currency account during the approval process after the suspension period has elapsed. The holding period may be, for example, a period from when the receiving unit 303 receives a request for executing the intermediate settlement process until one week elapses. That is, the settlement approval unit 311 does not approve the transfer of the value amount transferred to the brokerage account M to the recipient's virtual currency account during the hold period, but does approve it after the hold period. Details of the approval process will be described later with reference to FIG.

  The remittance request unit 312 has a function of creating a remittance execution request and transmitting the request to the bank server 200 via the transmission unit 302. Specifically, the remittance request unit 312 corresponds to the value amount of the moved virtual currency after the value amount of the virtual currency corresponding to the amount information of the payment has moved from the brokerage account M to the receiver's virtual currency account. Amount information (that is, amount information of payment) is created. The remittance request unit 312 then updates the first settlement information or the second settlement information included in the intermediate process execution request with the created amount information. Then, the remittance request unit 312 creates a remittance processing execution request including the first settlement information or the second settlement information, and transmits the request to the bank server 200 via the transmission unit 302.

[6. Detailed flow of various processes]
FIG. 9 is a diagram showing a flow of use registration processing executed in the settlement system 1 according to the embodiment of the present invention.

  In the payment system 1, when a person using the payment system 1 accesses the registration site of the bank server 200 using the information terminal 11 or the like and requests the use of the payment system 1, execution of the usage registration process is started. The

  In step S <b> 901, the information terminal 11 transmits a use request for the payment system 1 to the bank server 200.

  In step S902, the bank server 200 identifies the bank account of the user. When the user's bank account is not opened, the bank server 200 newly opens the user's bank account.

  In step S <b> 903, the bank server 200 transmits a user information input request to the information terminal 11. The user information related to the input request includes user identification information, a password, contact information, and each usage limit. The bank server 200 may already have user identification information registered in order to manage the user's bank account. In this case, the bank server 200 confirms with the user that the existing registration information will continue to be used in the payment processing of the payment system 1, and then requests only the input of each usage limit as a user information input request. May be.

  In step S <b> 904, the information terminal 11 transmits a user information registration request to the bank server 200. Specifically, the user operates the information terminal 11 to input the user identification information, password, contact information, each usage limit amount, and the like. The information terminal 11 transmits a user information registration request including the input information to the bank server 200.

  In step S905, the bank server 200 creates user information to be registered by including bank account information and the like in the received information. The bank server 200 registers the created user information in the bank account management unit 201.

  In step S906, the bank server 200 transmits a confirmation request to the information terminal 11. The confirmation request is a request for confirming whether or not to permit the registered one-time use limit amount to be transferred to the pool account P as a reserve.

  In step S907, the information terminal 11 responds to the bank server 200 with permission to transfer the reserve money to the pool account P.

  In step S908, the bank server 200 moves the reserve from the registered user's bank account to the pool account P. And the bank server 200 updates the balance of a user's bank account information according to the amount information of the moved reserve money. Note that the payment system 1 may end this processing if the bank server 200 does not respond to permission to move the reserve money to the pool account P.

  In step S909, the bank server 200 transmits a request for opening a virtual currency account including the registered user information to the intermediate settlement server 300.

  In step S910, the intermediate settlement server 300 opens a user's virtual currency account based on the received user information. Then, the intermediate settlement server 300 registers the virtual currency account information for the established virtual currency account in the account management unit 301 by including the received user information in the received user information.

  In step S911, the intermediate settlement server 300 transmits to the bank server 200 an opening completion notification indicating that the opening of the virtual currency account is completed.

  In step S <b> 912, the bank server 200 creates a value amount issuance request including the amount information of the reserve, and transmits a value amount issuance request corresponding to the reserve to the intermediate settlement server 300.

  In step S913, the intermediate settlement server 300 extracts the amount information of the reserve included in the received value amount issuance request and converts it into the value amount of the virtual currency. Then, the intermediate settlement server 300 issues the converted virtual currency value amount to the virtual currency account of the user. Then, the intermediate settlement server 300 updates the balance of the virtual currency account information according to the issued value amount.

  In step S <b> 914, the intermediate settlement server 300 transmits to the bank server 200 an issuance completion notification that the issuance of the value amount of the virtual currency has been completed. At this time, the intermediate settlement server 300 includes the virtual currency account information in the issuance completion notification and transmits it to the bank server 200.

  In step S915, the bank server 200 updates the registered user information so that the received virtual currency account information is included in the user information. Then, the bank server 200 transmits a registration completion notification indicating that the registration of the user is completed to the information terminal 11. At this time, the bank server 200 transmits the registered user information to the information terminal 11 in a registration completion notification. This user information includes virtual currency account information and bank account information.

  In step S916, the information terminal 11 displays user information including each account information of the virtual currency account and the bank account. The user can check the user information registered in the use registration process, such as the account information of the virtual currency account and the bank account. Thereafter, the payment system 1 ends this process.

  FIG. 10 is a diagram showing a flow of the first settlement process executed in the settlement system 1 according to the embodiment of the present invention. FIG. 11 is a diagram showing a flow of the first settlement process executed following the process shown in FIG.

  In step S1001, the EC terminal 100 creates payment-related information based on the transaction information when a purchase procedure for a product or the like is performed. The created payment-related information includes payment amount information, payer user information, and payee user information.

  In step S <b> 1002, the EC terminal 100 displays the created payment related information and a screen that prompts the user to touch the payment medium 10 on the display unit 104. At this time, the EC terminal 100 displays a screen that prompts a touch by either touching the reader / writer unit 106 of the first settlement medium 20 or touching the code reader unit 107 of the second settlement medium 30. .

  Note that the EC terminal 100 displays a screen for prompting the input of a password on the display unit 104 when the amount information of the payment exceeds the password registration limit amount registered in advance. Then, after confirming that the input password matches the password registered in advance, an execution request for the first settlement process is accepted.

  In step S <b> 1003, the payer touches the first payment medium 20 on the reader / writer unit 106 of the EC terminal 100. It is assumed that the state in which the first settlement medium 20 is touched continues to step S1028.

  In step S <b> 1004, the payer's first payment medium 20 creates a payment process execution request including the identification information of the storage medium that is the first payment medium 20, and transmits it to the EC terminal 100.

  In step S1005, the EC terminal 100 accepts an execution request for payment processing. Then, the EC terminal 100 determines whether the accepted settlement process execution request is from the first settlement medium 20 or the second settlement medium 30. Here, the EC terminal 100 determines that the execution request for the payment process is a request from the first payment medium 20.

  In step S1006, the EC terminal 100 creates first payment information. The created first payment information includes identification information of the storage medium that is the first payment medium 20, payment-related information, and identification information of the EC terminal 100. In particular, the payment related information included in the first payment information may include information on the amount of the payment, and may include identification information of the payer and the recipient as user information of the payer and the payee. .

  In step S <b> 1007, the EC terminal 100 creates an execution request for intermediate payment processing including the first payment information, and transmits the request to the intermediate payment server 300. At this time, the EC terminal 100 encrypts and transmits the execution request for the intermediate settlement process.

  In step S <b> 1008, the EC terminal 100 transmits the payment amount information included in the first settlement information to the first settlement medium 20 as a settlement record in the current settlement process, and stores it in the first settlement medium 20.

  In step S1009, the first settlement medium 20 stores the received settlement record in the storage unit 22 as a settlement record in the current settlement process.

  In step S1010, when the intermediate settlement server 300 receives the execution request for the intermediate settlement process, the intermediate settlement server 300 starts measuring the holding period.

  In step S1011, the interim settlement server 300 extracts the payer and payee identification information from the first settlement information included in the received interim settlement processing execution request, and identifies the payer and payee virtual currency accounts. . Further, the intermediate payment server 300 extracts the identification information of the storage medium that is the first payment medium 20 from the first payment information included in the received execution request for the intermediate payment process. Then, the intermediate settlement server 300 updates the registered payer user information so that the identification information of the storage medium that is the first settlement medium 20 is included in the payer user information.

  In step S1012, the interim settlement server 300 extracts payment amount information from the first settlement information included in the received interim settlement process execution request, and converts it into a virtual currency value. Here, when the balance of the payer's virtual currency account is less than the value amount corresponding to the payment amount, the intermediate settlement server 300 calculates the shortage value amount and amount, and includes the EC in the balance shortage notification. It transmits to the terminal 100. The EC terminal 100 displays a screen representing an error notification on the display unit 104 together with the shortage value amount and amount. Then, the EC terminal 100 displays on the display unit 104 a screen that prompts a virtual currency value amount issuance procedure (charge). If the procedure for issuing the value amount of the virtual currency is not performed, the payment system 1 may end this process.

  In step S <b> 1013, the intermediate settlement server 300 moves the value amount of the virtual currency corresponding to the money amount information from the payer's virtual currency account to the brokerage account M. Then, the intermediate settlement server 300 updates the balance of the payer's virtual currency account information according to the moved value amount.

  In step S1014, the intermediate settlement server 300 stores the transfer result of the value amount from the payer's virtual currency account to the brokerage account M in the storage unit 304 as a transfer record.

  In step S1015, the intermediate settlement server 300 converts the transfer record into an amount and transmits it to the EC terminal 100.

  In step S1016, the EC terminal 100 transmits the received movement record to the first settlement medium 20.

  In step S1017, the EC terminal 100 executes a verification process for verifying the amount information of the payment included in the first settlement information and the received transfer record, and creates a verification result. This collation result may be information indicating whether or not the payment amount information and the transfer record match. When the collation result indicates that the payment amount information matches the transfer record, the EC terminal 100 executes the subsequent processing. On the other hand, the EC terminal 100 returns the value amount of the virtual currency transferred to the brokerage account M to the payer's virtual currency account when the verification result indicates that the amount information of the payment is inconsistent with the transfer record. Thereafter, the processes in steps S1007, S1011 to S1015, and S1017 may be retried a predetermined number of times. Then, the EC terminal 100 may display a screen representing an error notification on the display unit 104 if it is still inconsistent.

  In step S1018, the first settlement medium 20 executes a matching process for matching the payment record in the current payment process with the received movement record, and creates a matching result. This collation result may be information indicating whether or not the settlement record and the movement record match.

  In step S <b> 1019, the first payment medium 20 reads the payment history from the storage unit 22. The first settlement medium 20 stores a settlement record stored in a settlement process executed in the past in the storage unit 22 as a settlement history. That is, the settlement history is one or a plurality of settlement records stored in the past. In the present embodiment, the first settlement medium 20 will be described as a plurality of settlement records in which settlement histories are stored in the past. For example, the first payment medium 20 may store the past 10 payment records in the storage unit 22 as a payment history.

  In step S <b> 1020, the first settlement medium 20 transmits the created verification result and the read settlement history to the EC terminal 100.

  In step S <b> 1021, the EC terminal 100 confirms the collation result received from the first settlement medium 20. When the verification result received from the first payment medium 20 indicates that the payment record and the movement record match, the EC terminal 100 executes subsequent processing. On the other hand, when the verification result received from the first payment medium 20 indicates that the payment record and the movement record are inconsistent, the EC terminal 100 retries the processes in steps S1016 and S1018 to S1021 a predetermined number of times, If there is a mismatch, a screen indicating an error notification may be displayed on the display unit 104.

  In step S1022, the EC terminal 100 transmits the received payment history and each matching result to the intermediate payment server 300. Each verification result is a verification result between the payment amount information and the transfer record, and a verification result between the settlement record and the transfer record.

  In step S1023, the intermediate settlement server 300 stores the received settlement history and each verification result in the storage unit 304. Then, the intermediate settlement server 300 confirms each verification result, and confirms that the amount information of the payment, the settlement record, and the movement record are consistent.

  In step S1024, the intermediate settlement server 300 executes an authentication process for authenticating a settlement process execution request received by the EC terminal 100. Details of the authentication process in the first settlement process will be described later with reference to FIG.

  In step S1025, the intermediate settlement server 300 transmits a settlement notification to the effect that settlement with the value amount of the virtual currency (intermediate settlement) has been performed to the EC terminal 100 and the contact information of the payer. That is, the intermediate settlement server 300 moves the value amount corresponding to the payment amount from the payer's virtual currency account to the brokerage account M, so that the settlement with the value amount of the virtual currency (intermediate settlement) has been performed. Is sent to the EC terminal 100 and the contact information of the payer.

  In step S <b> 1026, the EC terminal 100 represents a settlement notification indicating that settlement (intermediate settlement) with the value amount of the virtual currency has been performed, and ends the touch on the reader / writer unit 106 of the first settlement medium 20. Is displayed on the display unit 104. Then, the EC terminal 100 prints out from the printer unit 105 a payment notification that the payment (intermediate payment) with the value amount of the virtual currency has been performed.

  In step S1027, the payer receives a settlement notification to the effect that settlement (intermediate settlement) with the value amount of the virtual currency has been performed.

  In step S1028, the payer ends the touch on the first settlement medium 20.

  In step S1029, the intermediate settlement server 300 executes an approval process for approving the performance of the intermediate settlement. Details of the approval process in the first settlement process will be described later with reference to FIG.

  In step S1030, the intermediate settlement server 300 moves the value amount corresponding to the payment amount information from the brokerage account M to the recipient's virtual currency account. Then, the intermediate settlement server 300 updates the balance of the recipient's virtual currency account information according to the moved value amount. In addition, the intermediate settlement server 300 registers in the account management unit 301 that the intermediate settlement in the current settlement process has been executed when the transfer of the value amount to the receiver's virtual currency account is completed.

  In step S1031, the intermediate settlement server 300 creates money amount information corresponding to the value amount of the virtual currency transferred from the brokerage account M to the recipient's virtual currency account, and updates the first settlement information. Then, the intermediate settlement server 300 creates a remittance processing execution request including the first settlement information and transmits it to the bank server 200.

  In step S1032, the bank server 200 identifies the amount information included in the request for executing the remittance process as a payment, and identifies each bank account from the identification information of the payer and the recipient included in the request. Then, the bank server 200 transfers the payment from the pool account P to the recipient's bank account. Then, the bank server 200 updates the balance of the recipient's bank account information in accordance with the amount information sent. In addition, the bank server 200 registers in the bank account management unit 201 that the payment has been settled in the current settlement process by completing the remittance process.

  In step S1033, the bank server 200 transmits a remittance completion notification to the effect that the remittance process has been completed to the intermediate settlement server 300.

  In step S1034, the intermediate settlement server 300 transmits a settlement execution completion notification to the effect that the settlement of the payment in the current settlement process has been performed to the contact information of the payer and the recipient.

  In step S <b> 1035, the payer and the recipient receive a settlement execution completion notification that the settlement of the payment in the current settlement process has been performed. Thereafter, the payment system 1 ends this process.

  FIG. 12 is a diagram showing a flow of authentication processing in the first settlement processing shown in FIGS. 10 and 11.

  In step S <b> 1201, the intermediate payment server 300 reads the payment history of the first payment medium 20 received from the EC terminal 100 from the storage unit 304.

  In step S1202, the intermediate settlement server 300 converts each of a plurality of amount information indicated by a plurality of settlement records included in the settlement history into a value amount of virtual currency.

  In step S1203, the intermediate settlement server 300 reads the movement history from the storage unit 304. The intermediate settlement server 300 stores the movement record stored in the settlement process executed in the past in the storage unit 304 as a movement history. That is, the movement history is one or a plurality of movement records stored in the past. In the present embodiment, the intermediate settlement server 300 will be described on the assumption that the movement history is a plurality of movement records stored in the past. For example, the intermediate settlement server 300 may store the past 10 movement records in the storage unit 304 as a movement history.

  In step S1204, the intermediate payment server 300 verifies the validity of the received payment history of the first payment medium 20. Specifically, the intermediate payment server 300 compares the plurality of value amounts indicated by the plurality of converted payment records with the plurality of value amounts indicated by the plurality of read movement records, respectively. The validity of the settlement history of the medium 20 is verified. That is, the payment history of the first payment medium 20 is the authentication target information.

  In step S1205, the intermediate settlement server 300 determines whether or not the settlement history of the first settlement medium 20 is valid. Specifically, the intermediate settlement server 300 determines whether or not the plurality of value amounts indicated by the plurality of settlement records are the same as the plurality of value amounts indicated by the plurality of movement records. The intermediate payment server 300 determines that the payment history of the first payment medium 20 is valid when the plurality of value amounts indicated by the plurality of payment records are the same as the plurality of value amounts indicated by the plurality of movement records. Then, the process proceeds to step S1206. On the other hand, the intermediate payment server 300 determines that the payment history of the first payment medium 20 is not valid when the plurality of value amounts indicated by the plurality of payment records are not the same as the plurality of value amounts indicated by the plurality of movement records. The process proceeds to step S1207.

  In step S1206, the intermediate payment server 300 authenticates the execution request for the payment process from the first payment medium 20. Then, the intermediate payment server 300 registers in the account management unit 301 that the payment processing execution request has been authenticated. Thereafter, the intermediate settlement server 300 ends the process, and proceeds to step S1025 in FIG.

  In step S1207, the intermediate settlement server 300 sets the execution request for the settlement process from the first settlement medium 20 to be unauthenticated. Then, the intermediate settlement server 300 registers in the account management unit 301 that the execution request for the settlement process cannot be authenticated.

  In step S1208, the intermediate settlement server 300 determines whether or not the number of executions of the retry process stored in the storage unit 304 has reached a predetermined number. The retry process is a process for re-executing the processes in steps S1015 to S1024 in FIGS. The predetermined number of times may be 5 times, for example. When the number of executions of the retry process reaches the predetermined number, the intermediate settlement server 300 proceeds to step S1210. On the other hand, if the number of executions of the retry process has not reached the predetermined number, the intermediate settlement server 300 proceeds to step S1209.

  In step S1209, the intermediate settlement server 300 updates the number of executions of the retry process. Specifically, the intermediate settlement server 300 may be updated by incrementing the number of executions of the retry process stored in the storage unit 304. Thereafter, the settlement system 1 ends this process, and proceeds to step S1015 in FIG. 10 to execute a retry process.

  In step S <b> 1210, the intermediate settlement server 300 determines that the settlement process execution request from the first settlement medium 20 is an unauthorized request and registers it in the account management unit 301. This unauthorized request may be generated, for example, when the first payment medium 20 is forged or the EC terminal 100 is illegally modified.

  In step S <b> 1211, the intermediate settlement server 300 transmits a fraud detection notification indicating that there is a possibility of fraud to the payer's contact information and the EC terminal 100. The EC terminal 100 that has received the fraud detection notification may display a screen representing the fraud detection notification on the display unit 104.

  In step S1212, the intermediate settlement server 300 freezes the payer's virtual currency account. Then, the intermediate settlement server 300 sets the first settlement medium 20 and the EC terminal 100 as monitoring targets. Thereafter, the payment system 1 ends this process and ends the first payment process. In the payment system 1, the cause of fraud is investigated in detail, and appropriate countermeasures are taken. The intermediate settlement server 300 may return the value amount of the virtual currency moved to the brokerage account M to the payer's virtual currency account before freezing the payer's virtual currency account.

  In the payment system 1, if there is a mismatch between the processing of the payment medium 10 and the processing of the intermediate payment server 300, the processing of the intermediate payment server 300 is corrected in accordance with the processing of the payment medium 10. May be.

  FIG. 13 is a diagram illustrating a flow of an approval process in the first settlement process illustrated in FIGS. 10 and 11.

  In step S1301, the intermediate settlement server 300 determines whether or not a settlement processing stop request has been received. A payer who has received a payment notification that a payment (intermediate payment) has been made with the value amount of the virtual currency finds out that the payment has not been remembered but the intermediate payment has been made. be able to. In this case, the payer accesses the dedicated site of the intermediate payment server 300 through the information terminal 11, stops execution of the current payment processing related to the received payment notification, and stops using the first payment medium 20. You can ask to do it. At this time, a payment processing stop request is transmitted from the payer's information terminal 11 to the intermediate payment server 300. If the settlement server 300 has not received a settlement processing stop request, the intermediate settlement server 300 proceeds to step S1302. On the other hand, when the intermediate settlement server 300 receives the settlement processing stop request, the interim settlement server 300 proceeds to step S1304.

  In step S1302, the intermediate settlement server 300 determines whether or not the holding period has elapsed. If the suspension period has not elapsed, the intermediate settlement server 300 proceeds to step S1301. That is, the intermediate settlement server 300 monitors whether a payment process stop request is transmitted from the payer during the suspension period. On the other hand, when the suspension period has elapsed, the intermediate settlement server 300 proceeds to step S1303.

  In step S1303, the intermediate settlement server 300 moves the value amount transferred from the payer's virtual currency account to the brokerage account M (that is, the value amount corresponding to the payment) to the payee's virtual currency account. approve. Thereby, the intermediate settlement server 300 approves the performance of the intermediate settlement. Further, the interim settlement server 300 indicates that the value transferred to the brokerage account M (that is, the value corresponding to the payment) has been approved for transfer to the recipient's virtual currency account. Register with. Thereafter, the intermediate settlement server 300 ends this process and proceeds to step S1030 in FIG.

  In step S1304, the intermediate settlement server 300 determines that the settlement process execution request is an unauthorized request. Then, the intermediate settlement server 300 changes the settlement process execution request authenticated in the authentication process of FIG. 12 to “unauthenticated” and registers it in the account management unit 301. This unauthorized request may have occurred, for example, when the first settlement medium 20 is used by an unauthorized person who is not a true payer.

  In step S 1305, the intermediate settlement server 300 transmits a fraud detection notification indicating that there is a possibility of fraud to the payer's contact information and the EC terminal 100.

  In step S1306, the intermediate settlement server 300 freezes the payer's virtual currency account. Then, the intermediate settlement server 300 sets the first settlement medium 20 and the EC terminal 100 as monitoring targets. Thereafter, the payment system 1 ends this process and ends the first payment process. In the payment system 1, the cause of fraud is investigated in detail, and appropriate countermeasures are taken. The intermediate settlement server 300 may return the value amount of the virtual currency moved to the brokerage account M to the payer's virtual currency account before freezing the payer's virtual currency account.

  Note that the above-described step S1301 is performed when the settlement process execution request is authenticated by the authentication process of FIG. 12, and before the suspension period elapses. And it is after progress of a holding | maintenance period that above-mentioned step S1303 is performed. That is, when the payment processing execution request is authenticated during the holding period, the intermediate payment server 300 performs the approval in step S1303 after the holding period has elapsed.

  Further, step S1212 of FIG. 12 is performed when the execution request for the settlement process is not authenticated, and before the suspension period elapses. The above-described step S1306 is performed when the payment process execution request is not authenticated. In other words, if the settlement processing execution request is not authenticated, the intermediate settlement server 300 freezes the payer's virtual currency account without performing the approval in step S1303. Then, the intermediate settlement server 300 sets the first settlement medium 20 and the EC terminal 100 as monitoring targets, and ends the first settlement process.

  Further, the intermediate settlement server 300 may change the length of the holding period based on the movement history. Specifically, the intermediate settlement server 300 reads the movement history stored in the storage unit 304 and analyzes one or more movement records stored in the past included in the movement history before step S1301. For example, the intermediate settlement server 300 calculates the number of movement records included in the movement history. Then, the intermediate settlement server 300 changes the length of the holding period according to the number of movement records stored in the past. For example, the intermediate settlement server 300 sets a normal holding period if the number of movement records is equal to or less than a predetermined number, and sets a short holding period if the number of movement records is larger than the predetermined number. A large number of movement records stored in the past is estimated to be highly reliable because the usage frequency of the payment system 1 is high or the usage history is long. On the other hand, if the number of movement records stored in the past is small, it is estimated that the reliability is low because the use frequency of the payment system 1 is low or the use history is short. For this reason, the intermediate settlement server 300 sets a normal holding period for a payer who does not have high reliability, and sets a short holding period for a payer with high reliability. As a result, the interim settlement server 300 can execute the interim settlement promptly when a payer with high reliability is requested to execute the settlement process, and improves the convenience of the payer with high reliability. Can be made.

  FIG. 14 is a diagram showing a flow of the second settlement process executed in the settlement system 1 according to the embodiment of the present invention. FIG. 15 is a diagram showing a flow of the second settlement process executed subsequent to the process shown in FIG. FIG. 16 is a diagram showing a flow of the second settlement process executed subsequent to the process shown in FIG.

  In the second settlement process shown in FIGS. 14 to 16, the description of the same process as the first settlement process shown in FIGS. 10 to 13 is omitted.

  In steps S1401 and S1402, the EC terminal 100 executes processes similar to those in steps S1001 and S1002 shown in FIG.

  In step S1403, the payer starts up the payment application of the second payment medium 30.

  In step S <b> 1404, the payer's second payment medium 30 transmits an acquisition request for user information related to the payer to the intermediate payment server 300. At this time, the second settlement medium 30 transmits the identification information of the information terminal stored in the predetermined storage area of the storage unit 32 to the intermediate settlement server 300 in the user information acquisition request.

  In step S1405, the intermediate settlement server 300 extracts the identification information of the information terminal that is the second settlement medium 30 from the user information acquisition request. Then, the intermediate settlement server 300 updates the registered payer user information so that the identification information of the information terminal as the second settlement medium 30 is included in the payer user information.

  In step S1406, the intermediate settlement server 300 identifies the payer identification information, the identification information of the information terminal that is the second settlement medium 30 and the settlement limit included in the registered payer user information. .

  In step S <b> 1407, the intermediate settlement server 300 transmits the payer identification information and the settlement limit amount to the second settlement medium 30 as user information to be transmitted to the second settlement medium 30.

  In step S1408, the second settlement medium 30 acquires the received user information. The acquired user information includes payer identification information and a settlement limit.

  In step S <b> 1409, the second payment medium 30 acquires the identification information of the information terminal that is the second payment medium 30 from the predetermined storage area of the storage unit 32.

  In step S <b> 1410, the second settlement medium 30 transmits time information and random number acquisition notification to the intermediate settlement server 300. The time information and random number acquisition notification is information for notifying the intermediate settlement server 300 that it is time to acquire time information and random numbers, which are information that is converted into a two-dimensional code image.

  In step S1411, the intermediate settlement server 300 receives the time information and random number acquisition notification from the second settlement medium 30, and acquires the time information and random number. Then, the intermediate settlement server 300 transmits the acquisition result to the second settlement medium 30.

  In step S1412, the intermediate settlement server 300 creates authentication information by including the acquired time information and random number in the specified user information. The specified user information is the identification information of the payer, the identification information of the information terminal that is the second payment medium 30, and the payment limit. The authentication information is information for the intermediate settlement server 300 to verify the validity of the two-dimensional code image transmitted from the second settlement medium 30 in the authentication process.

  In step S1413, when the second payment medium 30 receives the time information and the random number acquisition result from the intermediate payment server 300, the second payment medium 30 acquires the time information and the random number based on the received acquisition result. The time information acquired by the second payment medium 30 is time information synchronized with the time information of the intermediate payment server 300. The random number acquired by the second payment medium 30 is a random number generated with the same generation method or generation timing as or corresponding to the intermediate payment server 300.

  In step S <b> 1414, the second settlement medium 30 combines the information including the payer identification information and the settlement possible amount, the time information, and the random number, which are the acquired user information, together with the settlement process execution request. Convert to a two-dimensional code image. Then, the second settlement medium 30 displays the two-dimensional code image on the display unit 33.

  In step S1415, the payer touches the code settlement unit 107 of the EC terminal 100 with the second settlement medium 30. It is assumed that the state where the second settlement medium 30 is touched continues to step S1437.

  In step S1416, the second settlement medium 30 transmits a settlement process execution request to the EC terminal 100. Specifically, the second settlement medium 30 transmits a settlement process execution request to the EC terminal 100 by causing the code reader unit 107 to read the two-dimensional code image displayed on the touched display unit 33.

  In step S1417, the EC terminal 100 accepts an execution request for payment processing. Then, the EC terminal 100 determines whether the accepted settlement process execution request is from the first settlement medium 20 or the second settlement medium 30. Here, the EC terminal 100 determines that the payment processing execution request is a request from the second payment medium 30.

  In step S <b> 1418, the second settlement medium 30 converts it into a two-dimensional code image different from the previous two-dimensional code image every time a predetermined time elapses and displays it on the display unit 33. As a result, the second settlement medium 30 can display a plurality of different two-dimensional code images on the display unit 33 with the passage of time and cause the code reader unit 107 to read them.

  In step S1419, the intermediate settlement server 300 confirms that the two-dimensional code image has been read a plurality of times.

  In step S1420, the EC terminal 100 creates second payment information. The created second payment information includes a plurality of two-dimensional code images, payment-related information, and identification information of the EC terminal 100. In particular, the payment related information included in the second payment information may include information on the amount of payment, and may include identification information of the payer and the receiver as user information of the payer and the payee. .

  In step S1421, the EC terminal 100 executes the same process as in step S1007 of FIG.

  In step S1422, the intermediate settlement server 300 executes the same processing as in step S1010 shown in FIG.

  In step S <b> 1423, the intermediate payment server 300 executes an authentication process for authenticating the execution request for the payment process accepted by the EC terminal 100. Details of the authentication process in the second settlement process will be described later with reference to FIG.

  In step S1424, the intermediate settlement server 300 executes the same processing as in step S1011 shown in FIG. However, the intermediate settlement server 300 does not execute a process of updating the identification information of the storage medium that is the first settlement medium 20 so as to be included in the payer's user information.

  In steps S1425 to S1428, the intermediate settlement server 300 executes the same processing as steps S1012 to S1015 shown in FIG.

  In step S1429, the EC terminal 100 performs the same process as step S1017 shown in FIG. However, the EC terminal 100 returns the value amount of the virtual currency transferred to the brokerage account M to the payer's virtual currency account if the verification result indicates that the amount information of the payment is inconsistent with the transfer record. Thereafter, the processing of step S1421 and steps S1424 to S1429 may be retried a predetermined number of times. Then, the EC terminal 100 may display a screen representing an error notification on the display unit 104 if it is still inconsistent.

  In step S1430, the EC terminal 100 transmits the verification result to the intermediate settlement server 300.

  In step S1431, the intermediate settlement server 300 confirms the verification result received from the EC terminal 100. If the verification result received from the EC terminal 100 indicates that the payment amount information matches the transfer record, the intermediate settlement server 300 executes the subsequent processing. On the other hand, when the verification result received from the EC terminal 100 indicates that the payment amount information and the transfer record are inconsistent, the intermediate settlement server 300 retries the processing of steps S1428 to S1431 a predetermined number of times, If there is a mismatch, a screen indicating an error notification may be displayed on the display unit 104.

  In step S1432, the intermediate settlement server 300 transmits to the EC terminal 100 a settlement notification that the settlement with the value amount of the virtual currency (intermediate settlement) has been performed.

  In step S1433, the EC terminal 100 confirms the settlement notification that the settlement (intermediate settlement) with the value amount of the virtual currency has been performed, and confirms that the amount information of the payment and the transfer record are consistent. . Then, the EC terminal 100 transmits a confirmation completion notification indicating that the confirmation has been completed to the intermediate settlement server 300. When the EC terminal 100 can confirm that the payment amount information and the transfer record are consistent, the EC terminal 100 executes subsequent processing. On the other hand, if it is not possible to confirm that the amount information of payment and the transfer record are consistent, the intermediate settlement server 300 retries the processing of steps S1430 to S1433 a predetermined number of times. May be displayed on the display unit 104.

  In step S1434, the EC terminal 100 executes the same process as in step S1026 shown in FIG.

  In step S1435, when receiving the confirmation completion notification from the EC terminal 100, the intermediate settlement server 300 transmits a settlement notification indicating that the settlement with the value of virtual currency (intermediate settlement) has been performed to the payer's contact information. To do.

  In steps S1436 and S1437, the payer performs the same processing as in steps S1027 and S1028 shown in FIG.

  In step S1438, the intermediate settlement server 300 executes an approval process for approving the performance of the intermediate settlement. The approval process in the second settlement process is the same as the approval process in the first settlement process. The intermediate settlement server 300 executes a process similar to the approval process shown in FIG.

  That is, when the settlement processing execution request is authenticated during the suspension period, the intermediate settlement server 300 moves the value amount transferred to the brokerage account M to the recipient's virtual currency account after the suspension period elapses. Approve. Further, when the settlement processing execution request is not authenticated, the intermediate settlement server 300 freezes the payer's virtual currency account without performing the approval. Then, the second settlement medium 30 and the EC terminal 100 are set as monitoring targets, and the second settlement process is terminated. In the second settlement process, the intermediate settlement server 300 may store a plurality of past movement records in the storage unit 304 as a movement history, similarly to the first settlement process. Then, in the second settlement process, the intermediate settlement server 300 may change the length of the holding period based on the movement history, similarly to the first settlement process.

  In steps S1439 and S1440, the intermediate settlement server 300 performs the same processing as steps S1030 and S1031 shown in FIG.

  In steps S1441 and S1442, the bank server 200 executes the same processing as in steps S1032 and S1033 shown in FIG.

  In step S1443, the intermediate settlement server 300 executes a process similar to that in step S1034 shown in FIG.

  In step S1444, the payer and the recipient receive the same notification as in step S1035 shown in FIG. Thereafter, the payment system 1 ends this process.

  FIG. 17 is a diagram showing a flow of authentication processing in the second settlement processing shown in FIGS.

  In step S <b> 1701, the intermediate settlement server 300 reads a plurality of two-dimensional code images included in the second settlement information received from the EC terminal 100 from the storage unit 304.

  In step S1702, the intermediate settlement server 300 sets authentication information. Specifically, the intermediate settlement server 300, from each of the read two-dimensional code images, the identification information of the payer, the identification information of the information terminal that is the second settlement medium 30, the settlement possible amount, the time information And a random number. Then, the intermediate settlement server 300 sets the extracted information as authentication information. The to-be-authenticated information is information that represents the authentication target in the authentication process, and is information corresponding to the above-described authentication information.

  In step S1703, the intermediate settlement server 300 reads authentication information created in advance. The authentication information includes the identification information of the payer, the identification information of the information terminal that is the second settlement medium 30, the amount that can be settled, time information, and a random number.

  In step S1704, the intermediate settlement server 300 verifies the validity of the received two-dimensional code images. Specifically, the intermediate settlement server 300 verifies the validity of the plurality of two-dimensional code images from the second settlement medium 30 by comparing each of the plurality of pieces of set authentication information with the authentication information. .

  In step S1705, the intermediate settlement server 300 determines whether the two-dimensional code image from the second settlement medium 30 is valid. Specifically, the intermediate settlement server 300 determines whether each of the plurality of pieces of information to be authenticated is the same as or corresponds to the authentication information. If each of the plurality of pieces of information to be authenticated is the same as or corresponds to the authentication information, the intermediate payment server 300 determines that the two-dimensional code image from the second payment medium 30 is valid, and proceeds to step S1706. . On the other hand, if each of the plurality of pieces of information to be authenticated is not the same as or does not correspond to the authentication information, the intermediate payment server 300 determines that the two-dimensional code image from the second payment medium 30 is not valid, and proceeds to step S1707. To do.

  In step S1706, the intermediate settlement server 300 authenticates the execution request for the settlement process from the second settlement medium 30. Then, the intermediate payment server 300 registers in the account management unit 301 that the payment processing execution request has been authenticated. Thereafter, the intermediate settlement server 300 ends this process and proceeds to step S1424 in FIG.

  In step S1707, the intermediate settlement server 300 sets the execution request for the settlement process from the second settlement medium 30 to be unauthenticated. Then, the intermediate settlement server 300 registers in the account management unit 301 that the execution request for the settlement process cannot be authenticated.

  In step S1708, the intermediate settlement server 300 determines whether or not the number of executions of the retry process stored in the storage unit 304 has reached a predetermined number. The retry process is a process for re-executing the processes of steps S1411 to S1421 and S1423 of FIGS. When the number of executions of the retry process reaches a predetermined number, the intermediate settlement server 300 proceeds to step S1710. On the other hand, when the number of executions of the retry process has not reached the predetermined number, the intermediate settlement server 300 proceeds to step S1709.

  In step S1709, the intermediate settlement server 300 updates the number of executions of the retry process. Thereafter, the settlement system 1 ends this process, and proceeds to step S1411 in FIG. 14 to execute the retry process.

  In step S <b> 1710, the intermediate settlement server 300 determines that the settlement process execution request from the second settlement medium 30 is an unauthorized request and registers it in the account management unit 301.

  In step S <b> 1711, the intermediate settlement server 300 transmits a fraud detection notification indicating that there is a possibility of fraud to the payer's contact information and the EC terminal 100.

  In step S1712, the intermediate settlement server 300 freezes the payer's virtual currency account. Then, the intermediate settlement server 300 sets the second settlement medium 30 and the EC terminal 100 as monitoring targets. Thereafter, the payment system 1 ends this processing and ends the second payment processing.

[7. Effect]
As described above, the settlement system 1 according to the present embodiment executes the intermediate settlement process for paying the value of the virtual currency corresponding to the payment before executing the settlement of the payment. For this reason, the settlement system 1 according to the present embodiment can verify the validity of the settlement before the bank server 200 performs the settlement of the payment, and stops the situation where the unauthorized settlement is performed. be able to. Therefore, the payment system 1 according to the present embodiment can improve transaction security related to payment.

  Moreover, the payment system 1 according to the present embodiment executes the intermediate payment process using the value amount of the virtual currency. For this reason, the payment system 1 according to the present embodiment does not need to charge the payment medium 10 with cash withdrawn from a bank account, unlike a prepaid IC card, and can therefore promote cashlessness. . Therefore, the payment system 1 according to the present embodiment can further improve the transaction safety and eliminate the need for a cash management device, thereby reducing the cost. In addition, since the payment system 1 according to the present embodiment has no cash withdrawn from the bank account, the total amount of the bank deposit does not change even if the payment is executed. Therefore, the settlement system 1 according to the present embodiment can contribute to the development of social economic and industrial activities without reducing funds used for loans and operations in the bank. In addition, in the payment system 1 according to the present embodiment, the virtual currency used for the intermediate payment process is not limited to the usage of exchanging with the privilege provided by the issuer, such as points, but the value scale means, value Functions as storage means and exchange means. Therefore, since the payment system 1 according to the present embodiment can be a basis for creating a new business model using a highly versatile virtual currency, it can further contribute to the development of social economic and industrial activities.

  In addition, the settlement system 1 according to the present embodiment uses the one-time usage limit amount linked to the deposit balance of the bank account as a reserve for the pool account P, and the value amount of the corresponding virtual currency is preliminarily determined by the user's virtual amount. Issue to currency account. Then, the value amount corresponding to the payment is paid out of the issued value amount. For this reason, in the payment system 1 according to the present embodiment, it is possible to reduce the risk of excessive use by the user, such as a credit card or a post-pay IC card. In addition, the payment system 1 according to the present embodiment does not require frequent charging of the payment medium 10 unlike a prepaid IC card, so that convenience is not impaired. Therefore, since the payment system 1 according to the present embodiment can provide the user with a sense of security while ensuring convenience, a practical payment system that can be easily accepted by the user can be provided.

  Moreover, the payment system 1 according to the present embodiment executes the first payment process when the first payment medium 20 is used, and executes the second payment process when the second payment medium 30 is used. To do. That is, the payment system 1 according to the present embodiment can automatically select and execute the first payment process or the second payment process with different processing contents according to the type of the payment medium 10 used. Therefore, the payment system 1 according to the present embodiment can further improve the convenience for the user.

  Furthermore, the settlement system 1 according to the present embodiment is provided with a holding period in the intermediate payment process, and by holding the value amount corresponding to the payment in the brokerage account M for a certain period, the execution of the intermediate settlement is performed for a certain period. Deferred. For this reason, the payment system 1 according to the present embodiment discovers the use of the payment medium 10 by an unauthorized person before the payment is settled, and before the intermediate payment is executed. be able to. Therefore, the payment system 1 according to the present embodiment can improve the fraud detection capability of the entire payment system, and can further improve transaction security.

  Furthermore, in the payment system 1 according to the present embodiment, the intermediate payment server 300 executes an authentication process for authenticating the execution request for the payment process, and approves the execution of the intermediate payment only after the execution request for the payment process is authenticated. For this reason, in the payment system 1 according to the present embodiment, even if the payment medium 10 and the EC terminal 100 that are the transmission side of the execution request for the payment process are impersonating an improper product, the intermediate payment server 300 that is the reception side Can be detected. Therefore, the payment system 1 according to the present embodiment can improve the fraud detection capability of the entire payment system, and can further improve transaction security.

  In particular, in the payment system 1 according to the present embodiment, in this authentication process, each of a plurality of payment records stored in the past is used as authenticated information in the first payment process, and a plurality of two-dimensional patterns are used in the second payment process. Each code image is used as authentication information. That is, in the payment system 1 of the present embodiment, there is a plurality of pieces of information to be authenticated in one authentication process, and if they are not all the same as or correspond to the authentication information, the execution request for the payment process is not authenticated. Therefore, in the payment system 1 according to the present embodiment, the authentication strength in the authentication process can be improved, and the transaction safety can be further improved.

  At this time, in the payment system 1 according to the present embodiment, a plurality of two-dimensional code images that are authentication information in the second payment process dynamically change with the passage of time. It becomes authentication information. For this reason, the payment system 1 according to the present embodiment can detect fraud in the authentication process even if the two-dimensional code image is voyeurized. Therefore, in the payment system 1 according to the present embodiment, the authentication strength in the authentication process can be further improved, and the transaction safety can be further improved.

  Moreover, in the payment system 1 according to the present embodiment, the time information and the random number included in each of the plurality of two-dimensional code images that are the authentication target information in the second payment processing are part of the authentication information of the intermediate payment server 300. The time information and the random number are the same or corresponding to each other and generated by the method and timing. For this reason, the payment system 1 according to the present embodiment can include a one-time password in the two-dimensional code image. Therefore, the payment system 1 according to the present embodiment can further improve the authentication strength in the authentication process, and can further improve the transaction safety.

[8. Others]
In the above-described embodiment, the intermediate settlement server 300 corresponds to an example of an “intermediate settlement server” described in the claims. The account management unit 301 corresponds to an example of an “account management unit” described in the claims. The bank server 200 corresponds to an example of a “bank server” recited in the claims. The control unit 305 corresponds to an example of a “control unit” recited in the claims. The value amount moving unit 308 corresponds to an example of a “value amount moving unit” recited in the claims. The settlement approval unit 311 corresponds to an example of a “settlement approval unit” described in the claims. The remittance request unit 312 corresponds to an example of a “remittance request unit” described in the claims. The authentication unit 310 corresponds to an example of an “authentication unit” recited in the claims.

  It will be apparent to those skilled in the art that the above-described embodiments can be applied to each other, including modifications.

  The above description is intended to be illustrative rather than limiting. Thus, it will be apparent to one skilled in the art that modifications may be made to the embodiments of the present invention without departing from the scope of the claims.

  Terms used throughout the specification and claims are to be interpreted as “non-limiting” terms. For example, the terms “include” and “included” should be interpreted as “not limited to those described as included”. The term “comprising” should be interpreted as “not limited to what is described as having”.

DESCRIPTION OF SYMBOLS 1 Payment system 5 Network 10 Payment medium 11 Information terminal 20 1st payment medium 21 Communication part 22 Storage part 23 Control part 24 Settlement request part 25 Verification part 30 2nd payment medium 31 Communication part 32 Storage part 33 Display part 34 Control part 35 Information acquisition unit 36 Information conversion unit 37 Payment request unit 100 EC terminal 101 Transaction management unit 102 Communication unit 103 Storage unit 104 Display unit 105 Printer unit 106 Reader / writer unit 107 Code reader unit 108 Control unit 109 Payment medium determination unit 110 Settlement of payment information Unit 111 intermediate settlement request unit 112 collation unit 200 bank server 201 bank account management unit 202 communication unit 203 storage unit 204 control unit 205 use registration unit 206 remittance processing unit 300 intermediate settlement server 301 account management unit 302 transmission unit 303 reception unit 304 storage Part 305 Control unit 306 use registration unit 307 the value converted into the amount unit 308 value movement amount unit 309 moves the creating unit 310 The authentication unit 311 payment authorization unit 312 remittance requesting unit

Claims (4)

An account management unit for managing a virtual currency account for depositing the value of the virtual currency;
A control unit for controlling intermediate settlement for paying the value amount of the virtual currency before the bank server performs payment settlement by controlling movement of the value amount of the virtual currency between the virtual currency accounts When,
With
The controller is
A value amount transfer unit for transferring the value amount of the virtual currency corresponding to the payment from the payer's virtual currency account;
A settlement approval unit that approves that the value amount of the virtual currency corresponding to the payment transferred by the value amount transfer unit is transferred to the receiver's virtual currency account;
A remittance requesting unit that requests the bank server to remit an amount corresponding to the value of the virtual currency transferred to the recipient's virtual currency account to the recipient's bank account;
Intermediate payment server including The account management unit manages an intermediary account that is the virtual currency account for mediating that the value of the virtual currency moves between the virtual currency accounts;
The value amount moving unit includes:
Transferring the value amount of the virtual currency corresponding to the payment from the payer's virtual currency account to the brokerage account;
When the settlement approval unit approves that the value amount of the virtual currency corresponding to the payment amount is transferred to the receiver's virtual currency account, the value amount of the virtual currency corresponding to the payment amount is converted into the mediation amount. Move from an account to the recipient's virtual currency account;
The intermediate settlement server according to claim 1. The settlement approving unit has a value of the virtual currency corresponding to the payment over a holding period from when it is requested to pay a value of the virtual currency corresponding to the payment until a predetermined time elapses. Withholding approval for the amount to be transferred to the recipient's cryptocurrency account;
The intermediate settlement server according to claim 2. The control unit further includes an authentication unit that authenticates the execution request of the payment process transmitted from the payment medium of the payer in order to request execution of the payment settlement.
The settlement approval unit
During the holding period, when the execution request for the settlement process is authenticated by the authentication unit, the approval is performed after the holding period has elapsed,
If the execution request for the payment process is not authenticated by the authentication unit, the approval is not performed and the virtual currency account of the payer is frozen.
The intermediate settlement server according to claim 3.