JP2019215687A - Information processing method - Google Patents

Abstract

To provide an information processing method capable of protecting personal information without requiring the installation of a dedicated application, and eliminating a harmful effect due to a difference in a specification between domestic and overseas NFC settlement terminals.SOLUTION: An information processing method executes payment of a price by using a two-dimensional code and a portable terminal during purchasing an article or receiving an offer of a service in a store. The method includes the steps of: allowing the portable terminal to read the two-dimensional code; accessing a settlement mediation server on the basis of URL information included in the two-dimensional code; receiving information for settlement mediation; displaying the information for settlement mediation; receiving information on selected payment means; transmitting identification information for identifying a user; instructing payment via the selected payment means; requesting settlement processing with an individual or corporation identified by the identification information as a payer name; and executing settlement.SELECTED DRAWING: Figure 3

Description

  The present invention relates to an information processing method (payment method) for executing payment of a price using a two-dimensional code and a portable terminal when purchasing a product or receiving provision of a service.

  Various settlement methods using a smartphone have been proposed, but the settlement methods proposed so far have the following problems.

・ It is troublesome to install a dedicated application.
-It is necessary to input personal information to set the dedicated application, but there is a risk that the personal information is leaked and misused.
・ There is a risk that personal information will be leaked to stores and misused.
-There is an adverse effect due to differences in NFC payment terminal standards in Japan and overseas.

In view of the above-mentioned problems of the prior art, the purpose of the invention of this application is to
-No need to install dedicated apps,
・ Personal information can be protected,
-To provide a new information processing method (payment method) that can eliminate the adverse effects caused by differences in domestic and overseas NFC payment terminal standards.

  The above object is achieved by an information processing method described in the claims.

-No need to install dedicated applications.
・ You can select multiple payees.
-Protection of personal information (stores and settlement intermediaries do not hold personal information).
-Eliminate the adverse effects of differences in domestic and overseas NFC payment terminal standards.
-Opportunity loss (withdrawal) due to screen transition can be prevented.

  The details are as follows.

  When executing payment using a mobile terminal, the mobile terminal only needs to have a camera that reads a two-dimensional code, a web browser, and a communication function capable of accessing the Internet. These functions are provided when the mobile terminal is shipped from the factory. Therefore, installation of a dedicated application is unnecessary. It should be noted that a web browser newly installed on the mobile terminal can be used.

  With multiple payment methods (payee), such as Apple Pay and Google Pay, users can choose the appropriate payment method.

  In payment using a mobile terminal, there is no need to disclose personal information such as an address, a name, a telephone number, and a credit card number to a store or a settlement intermediary company (operator of a settlement intermediation server). Therefore, personal information can be protected.

  No short-range wireless communication such as NFC is used for payment using a mobile terminal. Therefore, it is possible to eliminate the adverse effects due to differences in the standards of domestic and overseas NFC payment terminals.

  Since the money input field (or payment amount) and the payment means displayed on the web browser by the mobile terminal are all displayed on the same screen, the same web page, or the web page of the same URL, In addition, opportunity loss (withdrawal) due to screen transition can be prevented.

It is a figure showing an outline of an embodiment (first embodiment) of the present invention. FIG. 4 is a diagram illustrating a screen transition of the mobile terminal according to the embodiment (first embodiment) of the present invention. 5 is a flowchart illustrating a flow of information processing according to the embodiment (first embodiment) of the present invention. It is a figure showing an outline of an embodiment (second embodiment) of the present invention. It is a figure showing screen transition of a personal digital assistant in an embodiment (second embodiment) of the present invention. It is a flowchart which shows the flow of the information processing in embodiment (2nd Embodiment) of this invention. FIG. 1 is a diagram illustrating an outline of a mechanism of Apple Pay as an example of a payment method (a mechanism in which a virtual card is issued by Apple Pay).

  The information processing method of the present invention has the following features [1] to [28].

[1] A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d) the settlement intermediation information received from the settlement intermediation server includes at least one payment means selectable by a user of the mobile terminal, and the mobile terminal displays the settlement intermediation information on a web browser. Steps to
(e) the mobile terminal accepting the user's selection of the payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to make payment by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:

[2] In the store, for example,
A real store with a clerk,
The actual store where the clerk is absent,
Temporary stores temporarily set up at companies and private homes (business trip stores with confectionery and wrapping paper)
Is included.

[3] The portable terminal (portable information terminal)
For example, it consists of a smart phone, a tablet terminal, or a mobile phone.

[4] The portable terminal mainly includes:
A communication unit capable of accessing the Internet,
A camera used to read the two-dimensional code,
A storage for storing software such as the web browser,
A display unit (screen) for displaying various information such as a web page,
Is provided.

[5] The web browser is software provided in the mobile terminal in a factory default state,
The camera is a function that the mobile terminal has in a factory-shipped state,
The function of reading a two-dimensional code using the camera is a function that the portable terminal has in a factory default state.
That is, the mobile terminal is provided with the functions necessary to carry out the present invention from the beginning in a factory-shipped state (without installing a dedicated application or the like).
However, a web browser newly installed on the mobile terminal may be used.

[6] The settlement intermediation server (first server) is a server operated by the settlement intermediary,
The payment agent server (second server) is a server operated by a payment agent,
The settlement server (third server) is a server operated by a settlement company.

[7] The “payment intermediary” mediates the exchange of data between the payment agent and the member store by converting the data format, etc., so that the user can use the settlement service smoothly. For providing intermediary functions, operating procedures, and interfaces. However, since the contract contents of the settlement intermediary are not unified, the explanation is merely an example.
A “settlement agency” is an agency of a merchant that has been granted the right to represent the following merchant operations by the settlement agency. However, since the contract contents of the settlement agent are not unified, it is described as an example only. (1) Acceptance of applications for credit sales (2) Notification of franchisees (3) Application for franchisees (4) Acquisition of sales approval (5) Matters related to sales request (6) Other settlement agency and franchisee agree Business approved by the settlement company.
The “settlement trader” is a trader who performs credit processing to secure a card available slot for a user, and then performs sales confirmation processing to complete the settlement and to charge and pay the sales price. However, since the contract contents of the settlement company are not unified, it is described as an example only.

[8] When the mobile terminal completes the reading of the two-dimensional code, the mobile terminal automatically executes the series of processes of steps (b), (c), and (d).

[9] The URL information included in the two-dimensional code is:
A unique URL assigned to each company that provides goods or services, or a unique URL assigned to each store that provides goods or services, or a unique URL assigned to each product provided at stores, or provided at stores Or a unique URL assigned to each service.

[10] In the step (d),
The payment mediation information received from the payment mediation server includes a plurality of payment means selectable by the user of the mobile terminal, and the mobile terminal displays the payment mediation information on a web browser.

[11] The plurality of payment methods that can be selected include, for example,
Includes Apple Pay, Google Pay, Alipay, bank account debit, and more.

[12] In the step (d),
The mobile terminal displays a payment method on a web browser so as to be selectable.

[13] In the step (c), the payment mediation information received by the mobile terminal from the payment mediation server includes at least
・ Explanation about goods or services,
• Includes at least one user selectable payment instrument.

[14] In the step (c), the payment mediation information received by the mobile terminal from the payment mediation server includes at least
・ Explanation about goods or services,
At least one user selectable payment instrument;
・ Includes payment amount.

[15] In the step (c), the payment mediation information received by the mobile terminal from the payment mediation server includes at least
・ Explanation about goods or services,
At least one user selectable payment instrument;
・ Amount input field where the user can enter the amount (amount input box)
Is included.

[16] A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d1) Based on the payment mediation information received from the payment mediation server, the mobile terminal provides a web browser with an amount input box (amount input box) in which a user can input an amount to be paid for the product or the service. Displaying steps;
(d2) based on the payment mediation information received from the payment mediation server, the mobile terminal displays on the web browser at least one payment means selectable by the user of the mobile terminal,
(e1) a step in which the mobile terminal accepts the input of the amount in the amount input box by the user;
(e2) a step in which the mobile terminal accepts a user's selection of a payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the input amount by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:

[17] A method for executing payment of a price using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d1) Based on the payment mediation information received from the payment mediation server, the mobile terminal provides a web browser with an amount input box (amount input box) in which a user can input an amount to be paid for the product or the service. Displaying steps;
(d2) based on the payment mediation information received from the payment mediation server, the mobile terminal displays on the web browser at least one payment means selectable by the user of the mobile terminal,
(e1) a step in which the mobile terminal accepts the input of the amount in the amount input box by the user;
(e2) a step in which the mobile terminal accepts a user's selection of a payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the input amount by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:

[18] In the step (c), the payment intermediation information received by the mobile terminal from the payment intermediation server includes reference amount information (temporary amount) for displaying a payment means selectable by the user of the mobile terminal. include.
In the step (d2), at least one payment means (payment means corresponding to the reference amount information) selectable by the user of the portable terminal is displayed based on the reference amount information (temporary amount).

[19] The reference amount information (temporary amount) is not displayed on the mobile terminal.

[20] The reference amount information (temporary amount) is displayed on the mobile terminal,
A message prompting the user to change the displayed reference amount information (temporary amount) is displayed.

[21] In the step (e1), when the input of the payment amount in the amount input column by the user is accepted,
Instead of the payment method displayed in the step (d2),
Based on the input payment amount, a new payment means (a dedicated payment unit corresponding to the input payment amount) is newly displayed by the user of the mobile terminal.

[22] A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d) an amount input box (amount input box) in which a mobile terminal can input an amount to be paid for the product or the service on a web browser based on the information for settlement intermediation received from the settlement intermediation server; Displaying at least one payment method selectable by a user of the mobile terminal;
(e1) a step in which the mobile terminal accepts the input of the amount in the amount input box by the user;
(e2) a step in which the mobile terminal accepts a user's selection of a payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the input amount by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:

[23] In the step (d),
A money input field (money input box) displayed on the web browser by the mobile device,
At least one payment instrument is
All are displayed in the same page without changing the screen.

[24] In the step (d),
A money input field (money input box) displayed on the web browser by the mobile device,
At least one payment instrument is
All are displayed on the same screen, the same web page, or the web page of the same URL.

[25] A method for executing payment of a price using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d1) a step in which the mobile terminal displays an amount to be paid for the product or the service on a web browser, based on the payment mediation information received from the payment mediation server,
(d2) based on the payment mediation information received from the payment mediation server, the mobile terminal displays on the web browser at least one payment means selectable by the user of the mobile terminal,
(e) the mobile terminal accepting the user's selection of the payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the payment by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:

[26] A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d) based on the settlement intermediation information received from the settlement intermediation server, the mobile terminal, on the web browser, the amount to be paid for the product or the service, and at least one payment selectable by the user of the mobile terminal Displaying means;
(e) the mobile terminal accepting the user's selection of the payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the payment by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:

[27] In the step (d),
The amount of money that the mobile device displays on the web browser,
At least one payment instrument is
All are displayed in the same page without changing the screen.

[28] In the step (d),
The amount of money that the mobile device displays on the web browser,
At least one payment instrument is
All are displayed on the same screen, the same web page, or the web page of the same URL.

Claims (28)

A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d) the settlement intermediation information received from the settlement intermediation server includes at least one payment means selectable by a user of the mobile terminal, and the mobile terminal displays the settlement intermediation information on a web browser. Steps to
(e) the mobile terminal accepting the user's selection of the payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to make payment by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:
In the store, for example,
A real store with a clerk,
The actual store where the clerk is absent,
Temporary stores temporarily set up at companies and private homes (business trip stores with confectionery and wrapping paper)
Is included.
The portable terminal (portable information terminal)
For example, it consists of a smart phone, a tablet terminal, or a mobile phone.
The mobile terminal is mainly
A communication unit capable of accessing the Internet,
A camera used to read the two-dimensional code,
A storage for storing software such as the web browser,
A display unit (screen) for displaying various information such as a web page,
Is provided.
The web browser is software that the mobile terminal has in a factory-shipped state,
The camera is a function that the mobile terminal has in a factory-shipped state,
The function of reading a two-dimensional code using the camera is a function that the portable terminal has in a factory default state.
That is, the mobile terminal is provided with the functions necessary to carry out the present invention from the beginning in a factory-shipped state (without installing a dedicated application or the like).
However, a web browser newly installed on the mobile terminal may be used.
The settlement intermediation server (first server) is a server operated by a settlement intermediary,
The payment agent server (second server) is a server operated by a payment agent,
The settlement server (third server) is a server operated by a settlement company.
"Payment intermediary" is an intermediary that mediates the exchange of data between the payment agent and the member store by converting the data format, etc., so that users can use the payment service smoothly. It is a company that provides functions, operation procedures, and interfaces. However, since the contract contents of the settlement intermediary are not unified, the explanation is merely an example.
A “settlement agency” is an agency of a merchant that has been granted the right to represent the following merchant operations by the settlement agency. However, since the contract contents of the settlement agent are not unified, it is described as an example only. (1) Acceptance of applications for credit sales (2) Notification of franchisees (3) Application for franchisees (4) Acquisition of sales approval (5) Matters related to sales request (6) Other settlement agency and franchisee agree Business approved by the settlement company.
The “settlement trader” is a trader who performs credit processing to secure a card available slot for a user, and then performs sales confirmation processing to complete the settlement and to charge and pay the sales price. However, since the contract contents of the settlement company are not unified, it is described as an example only.
When the mobile terminal completes the reading of the two-dimensional code, the mobile terminal automatically executes the series of processes of steps (b), (c), and (d).
The URL information included in the two-dimensional code is:
A unique URL assigned to each company that provides goods or services, or a unique URL assigned to each store that provides goods or services, or a unique URL assigned to each product provided at stores, or provided at stores Or a unique URL assigned to each service.
In the step (d),
The payment mediation information received from the payment mediation server includes a plurality of payment means selectable by the user of the mobile terminal, and the mobile terminal displays the payment mediation information on a web browser.
The multiple payment options available include, for example,
Includes Apple Pay, Google Pay, Alipay, bank account debit, and more.
In the step (d),
The mobile terminal displays a payment method on a web browser so as to be selectable.
In the step (c), the payment mediation information received by the mobile terminal from the payment mediation server includes at least
・ Explanation about goods or services,
• Includes at least one user selectable payment instrument.
In the step (c), the payment mediation information received by the mobile terminal from the payment mediation server includes at least
・ Explanation about goods or services,
At least one user selectable payment instrument;
・ Includes payment amount.
In the step (c), the payment mediation information received by the mobile terminal from the payment mediation server includes at least
・ Explanation about goods or services,
At least one user selectable payment instrument;
・ Amount input field where the user can enter the amount (amount input box)
Is included.
A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d1) Based on the payment mediation information received from the payment mediation server, the mobile terminal provides a web browser with an amount input box (amount input box) in which a user can input an amount to be paid for the product or the service. Displaying steps;
(d2) based on the payment mediation information received from the payment mediation server, the mobile terminal displays on the web browser at least one payment means selectable by the user of the mobile terminal,
(e1) a step in which the mobile terminal accepts the input of the amount in the amount input box by the user;
(e2) a step in which the mobile terminal accepts a user's selection of a payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the input amount by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:
A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d1) Based on the payment mediation information received from the payment mediation server, the mobile terminal provides a web browser with an amount input box (amount input box) in which a user can input an amount to be paid for the product or the service. Displaying steps;
(d2) based on the payment mediation information received from the payment mediation server, the mobile terminal displays on the web browser at least one payment means selectable by the user of the mobile terminal,
(e1) a step in which the mobile terminal accepts the input of the amount in the amount input box by the user;
(e2) a step in which the mobile terminal accepts a user's selection of a payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the input amount by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:
In the step (c), the settlement intermediation information received by the mobile terminal from the settlement intermediation server includes reference amount information (temporary amount) for displaying payment means selectable by the user of the mobile terminal. I have.
In the step (d2), at least one payment means (payment means corresponding to the reference amount information) selectable by the user of the portable terminal is displayed based on the reference amount information (temporary amount).
The reference amount information (temporary amount) is not displayed on the mobile terminal.
While displaying the reference amount information (temporary amount) on the mobile terminal,
A message prompting the user to change the displayed reference amount information (temporary amount) is displayed.
In the step (e1), when receiving the input of the payment amount in the amount input box by the user,
Instead of the payment method displayed in the step (d2),
Based on the input payment amount, a new payment means (a dedicated payment unit corresponding to the input payment amount) is newly displayed by the user of the mobile terminal.
A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d) an amount input box (amount input box) in which a mobile terminal can input an amount to be paid for the product or the service on a web browser based on the information for settlement intermediation received from the settlement intermediation server; Displaying at least one payment method selectable by a user of the mobile terminal;
(e1) a step in which the mobile terminal accepts the input of the amount in the amount input box by the user;
(e2) a step in which the mobile terminal accepts a user's selection of a payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the input amount by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:
In the step (d),
A money input field (money input box) displayed on the web browser by the mobile device,
At least one payment instrument is
All are displayed in the same page without changing the screen.
In the step (d),
A money input field (money input box) displayed on the web browser by the mobile device,
At least one payment instrument is
All are displayed on the same screen, the same web page, or the web page of the same URL.
A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d1) a step in which the mobile terminal displays an amount to be paid for the product or the service on a web browser, based on the payment mediation information received from the payment mediation server,
(d2) based on the payment mediation information received from the payment mediation server, the mobile terminal displays on the web browser at least one payment means selectable by the user of the mobile terminal,
(e) the mobile terminal accepting the user's selection of the payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the payment by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:
A method for executing a payment using a mobile terminal when purchasing goods or receiving services at a store,
(a) a two-dimensional code for settlement including URL information (address information of a website) is displayed on a product or in a store, and the mobile terminal reads the two-dimensional code;
(b) a step in which the mobile terminal that has read the two-dimensional code activates a web browser and accesses a settlement mediation server (first server) based on the URL information included in the two-dimensional code;
(c) a web page corresponding to the URL information includes settlement intermediation information, and the mobile terminal receives, from the settlement intermediation server, settlement intermediation information included in the web page;
(d) based on the settlement intermediation information received from the settlement intermediation server, the mobile terminal, on the web browser, the amount to be paid for the product or the service, and at least one payment selectable by the user of the mobile terminal Displaying means;
(e) the mobile terminal accepting the user's selection of the payment method;
(f) a step in which the portable terminal transmits identification information for identifying the user of the portable terminal to a payment acting server (second server) corresponding to the payment means selected by the user;
(g) the mobile terminal instructing the payment agent server to pay the payment by the selected payment means;
(h) a step in which the payment agent server requests the payment server (third server) to perform a payment process using the individual or corporation identified by the identification information as a payment name, based on a payment instruction from the mobile terminal. When,
(i) executing a payment by the payment server based on a request from the payment agent server;
An information processing method comprising:
In the step (d),
The amount of money that the mobile device displays on the web browser,
At least one payment instrument is
All are displayed in the same page without changing the screen.
In the step (d),
The amount of money that the mobile device displays on the web browser,
At least one payment instrument is
All are displayed on the same screen, the same web page, or the web page of the same URL.