JP2019114179A - Payment institution server, and method and program for the same - Google Patents

Abstract

To further improve payment security.SOLUTION: A program causes a payment institution server 10 to function as: payment application information reception means 13 for receiving, from a user terminal operated by a user, payment application information which includes shop identification information for identifying a shop and amount information indicating a settlement amount paid to the shop and which is used for payment application; and payment completion information transmission means 16 for transmitting, to a shop terminal 20 managed in the shop identified by the shop identification information, payment completion information indicating that the payment has completed upon payment of the settlement amount indicated by the amount information based on the payment application information.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a clearing house server, its method and program.

  In recent years, payment by credit card in a store has been performed on a daily basis. For example, when the user makes a payment using a credit card, the user passes the credit card to the clerk and has the clerk perform a payment procedure using a predetermined credit card. Thus, the user who has handed over the credit card is exposed to the risk of unauthorized use such as skimming and continuous use of the credit card.

For this reason, when making a payment using a credit card in a store, RFID communication is performed with the RFID reader / writer of the customer or the UIM incorporated mobile communication terminal with an RFID tag, and personal information data is input to the mobile communication terminal. There has been disclosed an ordering terminal that transmits personal information data automatically encrypted to an administrator server to make a settlement (for example, Patent Document 1).
According to such an ordering terminal, payment can be made using a credit card without passing a credit card, so payment can be made safely and safely.

JP 2012-48694 A

  However, even if the credit card itself is not handed over to the store side, the personal information data may be leaked from the terminal on the store side by transmitting the personal information data to the terminal on the store side. Therefore, it is desirable to further improve the security of payment.

  Therefore, in the present invention, in view of the above problems, it is an object of the present invention to provide a settlement organization server capable of further improving the security of settlement, a method and a program therefor.

  In order to solve the above-mentioned subject, the request device of the present invention provides the following solution means.

(1) According to a first aspect of the present invention, a settlement organization server includes store identification information for identifying a store and amount information indicating a settlement amount to the store, and settlement application information for applying for settlement; Store identification of settlement completion information indicating that the settlement is completed when the settlement amount indicated by the amount information is settled based on the settlement application information receiving means received from the user terminal operated by the user, the settlement application information It is a program that functions as a payment completion information transmission unit to be transmitted to the store terminal managed in the store identified by the information.

(2) Further, in the program according to (1), the payment application information receiving unit receives, from the user terminal, the payment application information including user terminal position information indicating the position of the user terminal. The settlement organization server compares the user terminal position information received from the user terminal with the shop position information indicating the position of the shop acquired based on the shop identification information, and the user terminal position information The position information determination means for determining whether the distance indicated by the store position information is within a predetermined range, and the position information determination means determined that the distance indicated by the user terminal position information and the store position information is within a predetermined range In this case, it functions as a settlement unit that settles the settlement amount indicated by the amount information.

(3) A second aspect of the present invention is a store for identifying a store from a store terminal managed by a store, connected to a settlement organization server via a network and operating a user terminal operated by a user From the settlement information server, identification information, settlement information acquisition means for acquiring settlement information including amount information indicating the settlement amount to the store, position information acquisition means for acquiring user terminal position information indicating the position of the user terminal, Store position information acquisition means for acquiring store position information indicating the position of the store, the acquired store position information and the user terminal position information are compared, and the distance indicated by the user terminal position information and the store position information is Position information determination means for determining whether or not the position is within a predetermined range, the distance indicated by the user terminal position information and the acquired store position information User terminal transmission means for transmitting settlement application information for applying for settlement, including the shop identification information and the amount information, when it is determined to be within a predetermined range, the settlement institution server, It is a program that causes settlement completion information indicating that the settlement has been completed to function as a user terminal reception unit that receives from the settlement organization server, when the settlement amount indicated by the amount information is settled based on the settlement application information.

(4) Further, in the program according to (1) or (2), the payment application information receiving unit may receive, from the user terminal, the payment application information including shop terminal identification information for identifying the shop terminal. The payment completion information transmission means transmits the payment completion information to the shop terminal identified by the shop terminal identification information.

(5) Further, in the program according to the invention (3), the settlement information acquisition unit acquires the settlement information including shop terminal identification information for identifying the shop terminal from the shop terminal, and the user terminal The transmitting means transmits settlement application information including the shop terminal identification information to the settlement organization server.

(6) A third aspect of the present invention is a settlement organization server, which includes shop identification information for identifying a shop and amount information indicating a settlement amount to the shop, and settlement application information for applying for settlement If the settlement amount indicated by the amount information is settled based on the settlement application information receiving means received from the user terminal operated by the user and the settlement application information, the settlement completion information indicating that the settlement is completed, And a payment completion information transmission unit that transmits payment to a store terminal managed in the store identified by the store identification information.

(7) A fourth aspect of the present invention is a method executed by a settlement organization server, which includes shop identification information for identifying a shop and monetary amount information indicating a settlement amount to the shop, and applies for settlement Settlement completion information indicating that the settlement is completed when the settlement amount indicated by the amount information is settled based on the step of receiving settlement application information to be made from the user terminal operated by the user and the settlement application information; Transmitting to a shop terminal managed in the shop identified by the shop identification information.

  According to the present invention, it is possible to provide a payment agency server capable of further improving payment security, a method and a program therefor.

It is a figure explaining the concept of the settlement service in the settlement system to which the settlement system server concerning a 1st embodiment of the present invention is applied. It is a figure which shows the function structure of the payment system which concerns on 1st Embodiment of this invention. It is a figure which shows typically the data stored in shop information DB in a tabular form. It is an example of a display of the image displayed on a shop terminal input-output means. It is an example of a display of the image displayed on a shop terminal input-output means. It is a figure which shows the settlement processing flow which the settlement system server which concerns on 1st Embodiment of this invention performs. It is a figure explaining the concept of the settlement service in the settlement system to which the settlement system server concerning a 2nd embodiment of the present invention is applied. It is a figure which shows the function structure of the payment system which concerns on 2nd Embodiment of this invention. It is a figure which shows the payment processing flow which the user terminal which concerns on 2nd Embodiment of this invention performs.

  Hereinafter, with reference to the accompanying drawings, modes (hereinafter, embodiments) for carrying out the present invention will be described in detail. In the following drawings, the same elements are denoted by the same reference numerals or symbols throughout the description of the embodiments. Also, in the functional configuration diagram, arrows between functional blocks indicate the flow direction of data or the flow direction of processing.

First Embodiment
(Basic concept / Basic configuration)
FIG. 1 is a view for explaining the concept of a settlement service in a settlement system to which a settlement organization server according to a first embodiment of the present invention is applied. The payment system 1 is a system that enables payment by a credit card when the user of the credit card applies for payment, not from a credit card member store.

  The settlement system 1 is a settlement system managed by a settlement organization (a settlement organization includes a virtual currency settlement organization operating virtual money and electronic money in addition to a conventional financial institution (credit card company, bank etc.)). It is a member store of a store (a credit card (a card that enables payment with a conventional currency or a payment with virtual currency or electronic money) connected with the institution server 10 and the payment institution server 10 via a network, A store terminal 20 managed by a store, a retail store, a department store, a flea market, a vehicle or a gate providing transportation services such as taxis, and a user terminal 30 operated by a user (a credit card user); Prepare.

  According to the settlement system 1, for example, when paying a price in a store, clearing information is displayed on the store terminal 20 in a two-dimensional barcode. The settlement information includes information identifying a shop, shop identification information registered in advance in the settlement organization server 10, and amount information indicating the settlement amount of the shop to the shop. Such settlement information is read by the user terminal 30.

  The user terminal 30 reads the settlement information displayed on the shop terminal 20, and acquires user terminal position information indicating the position of the user terminal 30, for example, by a GPS (Global Positioning System, Global Positioning Satellite) function.

  Then, the user terminal 30 transmits payment application information for applying payment by the credit card to the payment agency server 10 to the payment agency server 10. The settlement application information includes user identification information for identifying the user (for example, any information that can identify the user in the settlement organization server 10 besides the credit card number), store identification information and amount included in the settlement information In addition to the information, the acquired user terminal position information and the like are included.

  The settlement organization server 10 receives the settlement application information, and acquires the shop position information indicating the position of the shop stored in advance in association with the shop identification information included in the settlement application information. Then, the settlement organization server 10 compares the user terminal position information and the shop position information contained in the received settlement application information, and determines whether the distance indicated by the user terminal position information and the shop position information is within a predetermined range. judge. When it is determined that the distance indicated by the user terminal position information and the store position information is within a predetermined range, the settlement engine server 10 settles the settlement amount indicated by the amount information. The store location information may be information indicating the location of the store (information represented by latitude and longitude, information indicating an address, etc.), and when there are a plurality of store terminals in the store, each store terminal It is desirable that the information indicates the position.

  Then, when the settlement organization server 10 settles the settlement amount indicated by the amount information based on the settlement application information, the settlement completion information indicating that the settlement is completed is managed in the shop identified by the shop identification information. It transmits to the shop terminal 20 and the user terminal 30 identified by the user identification information. On the other hand, when the settlement engine server 10 determines that the distance between the position of the shop terminal 20 and the position of the user terminal 30 is not within the predetermined range, for example, the shop terminal displays error message information indicating that settlement can not be performed. 20 and to the user terminal 30.

  The shop terminal 20 and the user terminal 30, which have received the payment completion information, display a payment completion image or the like indicating that the payment is completed on the display means (for example, a display or the like). Thereby, the store clerk or the user of the store can confirm that the price in the store has been paid.

According to the settlement system 1 provided with such a settlement organization server 10, the user can proceed with the settlement process without passing his / her information to the shop side when making a settlement in the shop. In addition, the position of the store is compared with the position of its own terminal, and it is possible to proceed with the payment processing only when these are within a predetermined range, so, for example, payment triggered by fraud or wrong It is possible to prevent payment to the store in advance.
Therefore, it is possible to further improve the security of payment.

(Functional configuration)
FIG. 2 is a diagram showing a functional configuration of the settlement system according to the first embodiment of the present invention. The settlement system 1 is a system that enables settlement with a credit card, and is a shop terminal managed in a store connected to a settlement organization server 10 capable of settlement with a credit card and the settlement organization server 10 via a network 20 and a user terminal 30 operated by the user.

(Configuration of payment agency server 10)
The settlement organization server 10 includes a store information transmission / reception unit 11, a registration unit 12, a settlement application information reception unit 13, a position information determination unit 14, a settlement unit 15, a settlement completion information transmission unit 16, and a store information storage unit And a user information database (hereinafter referred to as user information DB) 120.

  The store information transmission / reception means 11 receives store information (store name, store position information, transfer destination (bank account), etc.) from the store terminal 20. Further, the store information transmission / reception unit 11 transmits, by the registration unit 12, the store identification information and the store terminal identification information stored in association with the store information to the store terminal 20.

The registration unit 12 identifies the store in the store information (store name, store location information, transfer destination (bank account), etc.) transmitted from the store terminal 20 of the store desiring registration as a member store of a credit card. The shop identification information of the above is associated and stored in the shop information DB 110. In addition, when there is a plurality of shop terminals 20 in a certain shop, the registration means 12 stores the shop identification information for identifying each shop terminal 20 in the shop information DB 110 in association with the shop identification information of a certain shop.
In addition, the registration means 12 includes the user information (user name, mail address of the user terminal 30, withdrawal address (bank account), etc.) transmitted from the user terminal 30 of the user who wishes to register as a credit card user. User identification information (for example, a credit card number, a telephone number of the user terminal 30, etc.) for identifying the user is stored in the user information DB 120 in association with one another.

  In addition, when the registration means 12 receives shop information (shop position information etc.) from the shop terminal 20 of the shop already registered in the shop information DB 110, the received contents are the contents registered in the shop information DB 110. Update As a result, for example, even when the store moves (when the store is opened at an arbitrary place such as a normal transfer or a flea market), it becomes possible to register store position information of the move destination in advance.

FIG. 3 is a diagram schematically showing, in tabular form, data stored in the store information DB.
The store information DB 110 stores store identification information for identifying the store terminal 20, store information (for example, store name, store location information, transfer destination (bank account), etc.), and store terminal identification information in association with each other. ing. The store position information includes information indicating the address of the store, and store terminal position information indicating the position of the store terminal 20 installed in the store. As described above, the shop position information may be information indicating an address or information indicated by latitude and longitude as long as the position of the shop (shop terminal) can be specified.

  A plurality of shop terminal identification information can be associated with one shop identification information. In this case, the shop terminal position information of the shop position information can be associated with a plurality of shop terminal identification information. That is, in the case where a plurality of shop terminals 20 are provided in one shop, each shop terminal 20 is registered. Therefore, for example, in one restaurant, the shop terminal 20 can be installed for each of a plurality of tables, and the shop terminals 20 for each table can be registered in the shop information DB 110, respectively. In such a restaurant, the registered shop terminal location information is checked for each table, and payment with a highly secure credit card becomes possible, and the shop side can reduce the processing load on the shop terminal 20, and the user side Then, as in the past, at the time of accounting, it is possible to make an account by credit card settlement without waiting for other customers to finish accounting.

  Returning to FIG. 2, in the user information DB 120, user information, a ceiling amount of the user, an available amount, and the like are associated with the user identification information.

The payment application information receiving unit 13 includes, from the user terminal 30, payment application information for applying for payment by a credit card, which includes store identification information for identifying a store and amount information indicating a settlement amount to the store. .
Further, the payment application information receiving means 13 receives payment application information including user terminal position information indicating the position of the user terminal 30 from the user terminal 30. The user terminal position information receives not only position information acquired by GPS but also payment application information including user terminal identification information (telephone number etc.), and the user terminal 30 receives the payment request information from the user terminal identification information. It may be information acquired by inquiring position information.
Further, the payment application information receiving means 13 receives payment application information including shop terminal identification information for identifying the shop terminal 20 from the user terminal 30.

The position information determination means 14 is store position information indicating the position of the store stored in the store information DB 110 in advance in association with the store identification information included in the payment application information received by the payment application information receiving means 13 To get
The position information determining means 14 compares the user terminal position information received by the payment application information receiving means 13 from the user terminal 30 with the shop position information indicating the position of the shop terminal 20 acquired based on the shop identification information. It is determined whether the distance indicated by the user terminal position information and the store position information is within a predetermined range (for example, within 1 m or the like). The shop position information and the user terminal position information may be, for example, a MAC (Media Access Control) address or the like, as long as the information can specify the position other than the information indicated by the latitude and the longitude.
The following method can be illustrated as an example of a method of using a MAC address for position information determination.
Among the information sent from the user terminal 30 to the settlement organization server 10 by the user terminal transmission means 31, in addition to the shop identification information and the MAC address of the shop terminal 20, communication between the user terminal 30 and the shop terminal 20 Information (type of near-field communication or communication performed via near-field communication) that the information was performed by Bluetooth (registered trademark), ANT (registered trademark), WLAN (Wireless LAN), ZigBee (registered trademark), etc. It may be information that can only understand things.) The settlement organization server 10 stores the MAC address of the shop terminal 20 in advance in association with the shop identification information, and the received MAC address corresponds to the shop identification information (or shop terminal identification information) stored in advance. It is checked whether it is a MAC address or not and whether there is information indicating that the acquisition of the store identification information by the user terminal 30 was made by the communication using the short distance communication of the user terminal 30 and the store terminal 20 exists. It is determined whether the shop terminal 20 is within a predetermined distance range.

  The settlement means 15 is a settlement amount indicated by the money amount information received by the settlement application information reception means 13 when the position information judgment means 14 judges that the distance indicated by the user terminal position information and the store position information is within a predetermined range. To settle. Further, the settlement means 15 refers to the user information DB 120 based on the settlement application information received by the settlement application information reception means 13 and determines whether or not the user can make a settlement with a credit card (for example, the amount information indicates Determine whether the amount of money exceeds the available amount, etc.), and if it is determined that it is possible, make a payment.

The settlement completion information transmission means 16 performs, on the basis of the settlement application information received by the settlement application information reception means 13, the settlement completion information indicating that the settlement has been completed, when the settlement means 15 settles the settlement amount indicated by the amount information. It transmits to the shop terminal 20 and the user terminal 30 identified by the shop identification information.
Further, when the payment application information receiving unit 13 receives the payment application information including the store terminal identification information, the payment completion information transmission unit 16 stores the payment completion information in the store terminal identified by the store terminal identification information. Send to 20.

  In addition, the settlement completion information transmission unit 16 determines that the position information determination unit 14 determines that the distance indicated by the user terminal position information and the store position information is not within the predetermined range, or when the settlement unit 15 determines that the settlement is not possible. Sends error information indicating the reason why payment is not possible to the shop terminal 20 or the user terminal 30.

(Configuration of store terminal 20)
The store terminal 20 is a device suitable for each store (for example, a general cash register, a portable terminal, a smartphone, a tablet terminal, a car navigation system loaded on a vehicle providing transportation services such as a taxi, a personal computer, a game device , TVs connectable to networks, information appliances such as refrigerators, etc.). The store terminal 20 may be the device itself as described above, or may be a control device capable of communicating information via the plurality of devices described above and the local network.

  The shop terminal 20 includes a shop information transmission / reception means 21, an accounting means 22, a display control means 23, and a shop terminal input / output means 24 which is an example of a display means.

The store information transmission / reception means 21 transmits store information (store name, store position information, transfer destination (bank account), etc.) to the settlement agency server 10.
Further, the store information transmission / reception means 21 receives store identification information and store terminal identification information from the settlement organization server 10.

  The shop position information may be the address of the shop, or may be position information acquired by the GPS function of the shop terminal 20. For example, the shop terminal 20 may acquire shop terminal position information as shop position information at an arbitrary timing, and may transmit the acquired information to the settlement agency server 10. For example, if a person who manages the shop terminal 20 changes the position where the shop terminal 20 is installed (normal relocation or opening at an arbitrary place such as a flea market), the shop terminal serving as shop position information The position information may be acquired and transmitted to the settlement agency server 10.

  The accounting means 22 calculates the settlement amount which is the amount to be charged to the user (the value to be paid to the store by the user) based on the operation of the person managing the store terminal 20 or the operation of the user.

The display control means 23 is a two-dimensional bar indicating clearing information including the amount information indicating the clearing amount, the store identification information received by the store information transmitting / receiving means 21 and the store terminal identification information when the accounting means 22 calculates the clearing amount. The code is controlled to be displayed on the shop terminal input / output means 24. The settlement information can be shown in any form such as a one-dimensional bar code, as long as it is a display form readable by the user terminal 30.
The display control means 23 controls the shop terminal input / output means 24 to display the payment completion information when the payment completion information is received from the payment organization server 10.

  The store terminal input / output unit 24 is configured of, for example, a display or a touch panel, and displays a two-dimensional barcode indicating settlement information, settlement completion information, and the like under the control of the display control unit 23.

FIGS. 4 and 5 are display examples of images displayed on the shop terminal input / output means.
As shown in FIG. 4, when the accounting unit 22 calculates the settlement amount, the display control unit 23 performs control to display a two-dimensional barcode indicating the settlement amount and the settlement information on the shop terminal input / output unit 24. . The user who pays the displayed settlement amount reads the two-dimensional bar code by the user terminal 30, and transmits settlement application information to the settlement agency server 10 based on the settlement information indicated by the read two-dimensional bar code.

  The settlement organization server 10 performs settlement based on the received settlement application information, and transmits, to the shop terminal 20, settlement completion information indicating that the settlement has been completed. When the shop terminal 20 receives the settlement completion information, as shown in FIG. 5, the display control means 23 settles the shop terminal input / output means 24 instead of the clearing information indicated by the two-dimensional bar code shown in FIG. Control is performed to display completion information (in the example shown in FIG. 5, a character image of "OO credit card payment completed").

(Configuration of user terminal 30)
Returning to FIG. 2, the user terminal 30 is configured of devices (for example, a portable terminal, a smartphone, a tablet terminal, a personal computer, a game device, etc.) suitable for each user. The user terminal 30 may be the device itself as described above, or may be a control device capable of communicating information via the plurality of devices described above and the local network. Further, the user terminal 30 may be a terminal installed in a store and operable by the user.

  The user terminal 30 includes a user terminal control unit 31, a user terminal transmission unit 32 which is an example of a user terminal reception unit and a user terminal transmission unit, a settlement information acquisition unit 33, and a user terminal position which is an example of a position information acquisition unit An information acquisition unit 34 and a user terminal input / output unit 35 are provided.

  The user terminal control means 31 controls the entire user terminal 30 including various other means, and executes the following processes.

The user terminal transmission / reception means 32 transmits user information to the settlement agency server 10 under the control of the user terminal control means 31 based on the user's operation. In addition, when the user terminal transmission / reception unit 32 acquires settlement information by the settlement information acquisition unit 33 described later, the user terminal transmission / reception unit 32 transmits settlement application information to the settlement organization server 10 under the control of the user terminal control unit 31.
Further, when the settlement organization server 10 settles the settlement amount indicated by the money amount information based on the settlement application information, the user terminal transmission / reception means 32 controls the user terminal control means 31 to indicate that the settlement is completed. Information is received from the clearing house server 10.
The user terminal transmission / reception means 32 transmits settlement application information including the shop terminal identification information to the settlement organization server 10 when the shop terminal identification information is included in the settlement information acquired by the settlement information acquisition means 33 described later. Do.

The settlement information acquisition unit 33 acquires, from the shop terminal 20, settlement information including shop identification information and amount information indicating the settlement amount to the shop.
Further, the settlement information acquisition means 33 acquires, from the shop terminal 20, settlement information including shop terminal identification information for identifying the shop terminal 20.
Specifically, the clearing information acquisition unit 33 is configured of a module for reading a two-dimensional barcode including a camera, and reads the two-dimensional barcode indicating the clearing information displayed on the shop terminal input / output unit 24. Get information.

  The user terminal position information acquisition unit 34 acquires user terminal position information indicating the position of the user terminal 30 by the GPS function that the user terminal 30 has. The user terminal position information acquisition means 34 acquires user terminal position information, for example, triggered by the fact that the settlement information acquisition means 33 has acquired the settlement information. The user terminal position information acquisition unit 34 may acquire not only GPS but also a position calculated from the radio wave strength of the antenna of the telephone company as user terminal position information, such as wireless LAN (Local Area Network), etc. The position calculated by the short distance wireless communication may be acquired as user terminal position information.

  Also, when receiving settlement completion information from the settlement organization server 10, the user terminal control unit 31 controls the user terminal input / output unit 35 to display the settlement completion information.

  The user terminal input / output unit 35 is formed of, for example, a touch panel, and under control of the user terminal control unit 31, displays a two-dimensional barcode indicating settlement information, settlement completion information, etc. An operation that triggers a process of acquiring a two-dimensional barcode indicating information, a process of transmitting settlement application information to the settlement organization server 10, and the like is received.

  The above-described functional configuration of the present system is merely an example, and one functional block (database and functional processing unit) may be divided, or a plurality of functional blocks may be collectively configured as one functional block. Each function processing unit is a computer program (for example, a computer program) stored in a storage device such as a ROM (Read Only Memory), a flash memory, an SSD (Solid State Drive), or a hard disk. , And a computer program executed by the CPU by reading the core software and an application that causes the CPU to execute the various processes described above. That is, each function processing unit reads and writes necessary data such as a table from a database (DB) stored in a storage device or a storage area on a memory, and in some cases, the computer program It is realized by controlling hardware (for example, an input / output device, a display device, a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but also means a mere collection of tables and files, and the internal structure of the database itself is not limited.

(Processing flow)
In the subsequent processing flow diagram (flow chart), the processing order of each step may be interchanged as long as the relationship between the input and the output of each step is not impaired. FIG. 6 is a diagram showing a payment processing flow executed by the settlement organization server according to the first embodiment of the present invention.

In step S1, the payment application information receiving means 13 includes store identification information for identifying a store, amount information indicating the settlement amount to the store, and user terminal position information indicating the position of the user terminal 30, and a credit card Settlement application information for applying for settlement by the user terminal 30 is received from the user terminal 30.
Further, the payment application information receiving means 13 may receive payment application information including store terminal identification information for identifying the store terminal 20 from the user terminal 30.

  In step S2, the position information determination means 14 determines the position of the store acquired from the store information DB 110 based on the user terminal position information received by the payment application information receiving means 13 from the user terminal 30 in step S1 and store identification information. It compares with the store position information which shows, and it is determined whether the distance which user terminal position information and store position information show is in a predetermined range. If the position information determination means 14 determines that the distance indicated by the user terminal position information and the store position information is within the predetermined range, the process proceeds to step S3. If it is not determined that the distance is within the predetermined range, step S6. Transfer the process to

  In step S3, the settlement means 15 refers to the user information DB 120 based on the settlement application information received by the settlement application information reception means 13 in step S1 and determines whether or not the user can make a settlement using a credit card. The settlement means 15 moves the process to step S4 when it is determined that the settlement is possible, and moves the process to step S6 when it is not determined that the settlement is possible.

  In step S4, the settlement means 15 settles the settlement amount indicated by the amount information received by the settlement application information reception means 13 in step S1.

In step S5, the payment completion information transmission unit 16 identifies the payment completion information indicating that the payment is completed based on the payment application information received by the payment application information receiving unit 13 in step S1 by the store identification information. Transmit to terminal 20 and user terminal 30.
Further, when the payment application information receiving unit 13 receives the payment application information including the store terminal identification information in step S1, the payment completion information transmission unit 16 identifies the payment completion information by the store terminal identification information. To the store terminal 20.

  In step S6, the payment completion information transmission unit 16 transmits error information indicating the reason why payment is not possible to the shop terminal 20 or the user terminal 30.

Second Embodiment
(Basic concept / Basic configuration)
Next, a second embodiment of the present invention will be described.
FIG. 7 is a view for explaining the concept of the settlement service in the settlement system to which the settlement organization server according to the second embodiment of the present invention is applied.
The settlement system 1A compares the user terminal position information and the store position information, and determines whether the distance indicated by the user terminal position information and the store position information is within a predetermined range, not the settlement engine server 10 but the user terminal 30. Is different from the settlement system 1 (see FIG. 1) of the first embodiment. In the following description, the same reference numerals are given to the same components as those in the first embodiment, and the description will be omitted or simplified.

  The payment system 1A is managed by a payment institution (a payment institution includes an institution operating virtual currency and electronic money in addition to a conventional financial institution), and a payment institution server 10 capable of payment using a credit card, A member store of a store (a credit card (a card capable of performing settlement using a conventional currency or a virtual currency or electronic money) connected with the settlement organization server 10 via a network, a restaurant, a retail store, A store terminal 20 managed in a department store, a flea market, a vehicle providing transportation services such as taxis, a gate, etc.) and a user terminal 30 operated by a user (a credit card user).

  According to the settlement system 1, for example, when paying a price in a store, clearing information is displayed on the store terminal 20 in a two-dimensional barcode. The settlement information includes information identifying a shop, shop identification information registered in advance in the settlement organization server 10, and amount information indicating the settlement amount of the shop to the shop. Such settlement information is read by the user terminal 30.

  The user terminal 30 reads the settlement information displayed on the shop terminal 20 and receives (acquires) the shop position information of the shop identified by the shop identification information included in the settlement information from the settlement engine server 10. Also, the user terminal 30 acquires user terminal position information indicating the position of the user terminal 30, for example, by the GPS function.

  The user terminal 30 compares the acquired shop position information with the acquired user terminal position information, and determines whether the distance indicated by the user terminal position information and the shop position information is within a predetermined range.

  When the user terminal 30 determines that the distance indicated by the user terminal position information and the store position information is within the predetermined range, the user terminal 30 includes the user identification information, the store identification information, and the amount information, and applies for payment by the credit card. Settlement application information is transmitted to the settlement agency server 10. On the other hand, when it is not determined that the distance indicated by the user terminal position information and the store position information is within the predetermined range, the user terminal 30 displays, for example, error information, etc. Do not send

The settlement organization server 10 receives the settlement application information, and settles the settlement amount indicated by the amount information included in the received settlement application information.
Then, when the settlement organization server 10 settles the settlement amount indicated by the amount information based on the settlement application information, the settlement completion information indicating that the settlement is completed is managed in the shop identified by the shop identification information. It transmits to the shop terminal 20 and the user terminal 30 identified by the user identification information.

  The shop terminal 20 and the user terminal 30, which have received the payment completion information, display a payment completion image or the like indicating that the payment is completed on the display means (for example, a display or the like). Thereby, the store clerk or the user of the store can confirm that the price in the store has been paid.

  According to such a settlement system 1A, the same operation and effect as the settlement system 1 of the first embodiment can be obtained.

(Functional configuration)
FIG. 8 is a diagram showing a functional configuration of the settlement system according to the second embodiment of the present invention. The settlement system 1A is a system that enables settlement with a credit card, and is a shop terminal managed in a store, connected to a settlement organization server 10 capable of settlement with a credit card and the settlement organization server 10 via a network 20 and a user terminal 30 operated by the user.
In the settlement system 1A, the user terminal transmission / reception means 32 functions as shop position information acquisition means for acquiring shop position information indicating the position of the shop from the settlement organization server 10, and compares the user terminal position information with the shop position information. The payment system according to the first embodiment is that the user terminal 30 rather than the payment institution server 10 has position information determination means for determining whether the distance indicated by the user terminal position information and the store position information is within a predetermined range. It differs from 1 (see Figure 2).

  The settlement organization server 10 transmits store position information indicating the position of the store to the user terminal 30 by the store information transmitting / receiving unit 11 at an arbitrary timing. For example, the shop information transmission / reception means 11 may transmit shop position information to the user terminal 30 in response to a request from the user terminal 30, or the shop position information at the timing when the registration means 12 registers or updates the shop information. May be transmitted to the user terminal 30.

  The user terminal transmission / reception means 32 receives store position information from the settlement agency server 10 at an arbitrary timing under the control of the user terminal control means 31. For example, the user terminal transmission / reception means 32 may receive the shop position information of the shop identified by the shop identification information included in the settlement information at the timing when the settlement information acquisition means 33 acquires the settlement information, or communication Store position information may be received at a timing when the load is relatively low.

  The position information determination means 36 compares the shop position information acquired by the user terminal transmission / reception means 32 with the user terminal position information acquired by the user terminal position information acquisition means 34, and the user terminal position information and the acquired shop position information It is determined whether the distance indicated by is within a predetermined range (for example, within 1 m or the like).

The user terminal transmission / reception means 32 includes shop identification information and amount information when the position information determination means 36 determines that the distance indicated by the user terminal position information and the acquired shop position information is within a predetermined range, Payment application information for applying for payment by credit card is sent to the payment institution server.
On the other hand, when the user terminal control means 31 does not determine that the distance indicated by the user terminal position information and the acquired shop position information is within the predetermined range, the user terminal control means 31 does not , And displays error information indicating that the reliability of the shop terminal 20 is low.

  The settlement organization server 10 settles the settlement amount indicated by the money amount information based on the received settlement application information. That is, in the settlement system 1A of the second embodiment, the user terminal 30 determines whether the distance indicated by the user terminal position information and the store position information is within a predetermined range, and the settlement engine server 10 does not perform this determination. Settlement based on the settlement application information. As described above, each user terminal 30 performs processing of determining whether the distance indicated by the user terminal position information and the store position information is within a predetermined range, thereby receiving settlement application information from the plurality of user terminals 30, It is possible to reduce the processing load on the settlement organization server that performs settlement processing.

  It should be noted that determination as to whether the distance indicated by the user terminal position information and the store position information is within a predetermined range may be made by both the settlement engine server 10 and the user terminal 30. In this case, double check becomes possible, and safety improves.

(Processing flow)
In the subsequent processing flow diagram (flow chart), the processing order of each step may be interchanged as long as the relationship between the input and the output of each step is not impaired. FIG. 9 is a diagram showing a payment processing flow executed by the user terminal according to the second embodiment of the present invention.

In step S11, the settlement information acquisition unit 33 acquires, from the shop terminal 20 managed in the shop, the shop identification information for identifying the shop and the settlement information including the amount information indicating the settlement amount to the shop.
Further, the settlement information acquisition means 33 acquires, from the shop terminal 20, settlement information including shop terminal identification information for identifying the shop terminal 20.

  In step S12, the user terminal transmission / reception means 32 receives (acquires) the shop position information of the shop identified by the shop identification information included in the settlement information acquired by the settlement information acquisition means 33 in step S11 from the settlement organization server 10. Do.

  In step S <b> 13, the user terminal position information acquisition unit 34 acquires user terminal position information indicating the position of the user terminal 30.

  In step S14, the position information determination means 36 compares the shop position information acquired by the user terminal transmission / reception means 32 in step S12 with the user terminal position information acquired by the user terminal position information acquisition means 34 in step S13. It is determined whether the distance indicated by the terminal position information and the store position information is within a predetermined range. If the position information determination means 36 determines that the distance indicated by the user terminal position information and the store position information is within the predetermined range, the process proceeds to step S15, and if it is not determined within the predetermined range, step S18. Transfer the process to

In step S15, the user terminal transmission / reception means 32 transmits, to the settlement organization server 10, settlement application information for applying for settlement with a credit card, which includes shop identification information and amount information.
Further, when the shop terminal identification information is included in the settlement information acquired by the settlement information acquisition means 33 in step S11, the user terminal transmission / reception means 32 sends the settlement application information including the shop terminal identification information to the settlement organization server 10. Send.

  In step S16, when the settlement organization server 10 settles the settlement amount indicated by the money amount information based on the settlement application information, the user terminal transmission / reception means 32 indicates that the settlement is completed by control by the user terminal control means 31. Settlement completion information is received from the settlement organization server 10.

  In step S17, the user terminal control means 31 controls the user terminal input / output means 35 to display the payment completion information.

  In step S18, the user terminal control unit 31 causes the user terminal input / output unit 35 to display an error message indicating that the reliability of the shop terminal 20 is low. In this step, the user terminal control means 31 confirms, for example, the information obtained from the “use caution! <Detailed information> settlement terminal”, this store has the name of the contract member store “OO restaurant”, the store position (address) It is "Tokyo OO Ward XX". The address derived from the location information of the customer's mobile terminal is "00 OO North Kita Ward, Osaka ...". Credit card transactions are dangerous. Display an error message that simplifies information such as "."

(Effect of the embodiment)
According to the first and second embodiments, the user can proceed with the settlement process without passing his / her information to the shop side when making a settlement in the shop.
Therefore, it is possible to further improve the security of payment.

  In addition, the position of the store is compared with the position of its own terminal, and it is possible to proceed with the payment processing only when these are within a predetermined range, so, for example, payment triggered by fraud or wrong It is possible to prevent payment to the store in advance.

  Further, it is possible to transmit settlement completion information for each of the shop terminals 20 by including, in the settlement application information, shop terminal identification information for identifying each shop terminal 20 in the shop instead of the whole shop in the settlement application information. Therefore, for example, in one restaurant, the shop terminal 20 is installed for each of a plurality of tables, and the shop terminal 20 for each table can make payment. As a result, the processing load on the shop terminal 20 can be reduced on the shop side, and on the user side, as in the conventional case, it is possible to make a settlement accounting without waiting for other customers to finish accounting.

  Although the present invention has been described above using the embodiment, it goes without saying that the technical scope of the present invention is not limited to the scope described in the above embodiment. It is apparent to those skilled in the art that various changes or modifications can be added to the above embodiment. It is also apparent from the scope of the claims that the embodiments added with such alterations or improvements can be included in the technical scope of the present invention. In the above embodiment, the request apparatus is described as the invention of the present invention as the invention of a product, but it can be understood as an invention of a request method in the present invention.

1, 1A settlement system 10 settlement organization server 11 store information transmission / reception unit 12 registration unit 13 settlement application information reception unit 14 position information determination unit 15 settlement unit 16 settlement completion information transmission unit 20 store terminal 21 store information transmission / reception unit 22 accounting unit 23 display Control means 24 store terminal input / output means 30 user terminal 31 user terminal control means 32 user terminal transmission / reception means 33 settlement information acquisition means 34 user terminal position information acquisition means 35 user terminal input / output means 36 position information determination means 110 store information DB (store Information database)
120 User Information DB (User Information Database)

Claims (7)

Payment agency server,
Settlement application information receiving means for receiving from the user terminal operated by the user payment application information for applying for payment, including store identification information for identifying a store and amount information indicating the settlement amount to the store;
When the settlement amount indicated by the amount information is settled based on the settlement application information, settlement completion information indicating that the settlement is completed is transmitted to the shop terminal managed in the shop identified by the shop identification information. Program to function as payment completion information transmission means. The payment application information receiving means receives, from the user terminal, the payment application information including user terminal position information indicating the position of the user terminal,
Said payment agency server,
The user terminal position information received from the user terminal is compared with the shop position information indicating the position of the shop acquired based on the shop identification information, and the distance indicated by the user terminal position information and the shop position information Position information determination means for determining whether the value is within a predetermined range,
When the position information determination means determines that the distance indicated by the user terminal position information and the store position information is within a predetermined range, the position information determination means causes the device to function as a payment means for settling the settlement amount indicated by the amount information. The program described in. A user terminal connected to the settlement agency server via a network and operated by the user,
Clearing information acquisition means for acquiring clearing information including store identification information for identifying a store and price information indicating a clearing amount to the store from a store terminal managed in the store;
Position information acquisition means for acquiring user terminal position information indicating the position of the user terminal;
Store position information acquisition means for acquiring store position information indicating the position of the store from the settlement engine server;
A position information determination unit that compares the acquired shop position information with the user terminal position information, and determines whether the distance indicated by the user terminal position information and the shop position information is within a predetermined range.
The store identification information and the amount information are included when the position information determination means determines that the distance indicated by the user terminal position information and the acquired store position information is within a predetermined range, and an application for settlement is made. User terminal transmission means for transmitting settlement application information to be transmitted to the settlement organization server;
When the settlement organization server settles the settlement amount indicated by the amount information based on the settlement application information, it functions as a user terminal reception unit that receives settlement completion information indicating that the settlement is completed from the settlement organization server A program that The settlement application information receiving means receives, from the user terminal, the settlement application information including shop terminal identification information for identifying the shop terminal;
The program according to claim 1 or 2, wherein the payment completion information transmission means transmits the payment completion information to the shop terminal identified by the shop terminal identification information. The settlement information acquisition means acquires, from the shop terminal, the settlement information including shop terminal identification information for identifying the shop terminal,
The program according to claim 3, wherein the user terminal transmission unit transmits settlement application information including the shop terminal identification information to the settlement organization server. A clearing house server,
Settlement application information receiving means for receiving settlement application information for applying for settlement from a user terminal operated by a user, which includes shop identification information for identifying a shop and amount information indicating a settlement amount to the shop;
When the settlement amount indicated by the amount information is settled based on the settlement application information, settlement completion information indicating that the settlement is completed is transmitted to the shop terminal managed in the shop identified by the shop identification information. And a payment completion information transmission means. A method that the clearing house server executes,
Receiving, from a user terminal operated by a user, settlement application information including shop identification information for identifying a shop and amount information indicating a settlement amount to the shop, and applying for settlement;
When the settlement amount indicated by the amount information is settled based on the settlement application information, settlement completion information indicating that the settlement is completed is transmitted to the shop terminal managed in the shop identified by the shop identification information. And steps.