JP2020052760A - Payment processing method - Google Patents

Abstract

To settle payments without regard for the type of electronic payment.SOLUTION: A first user terminal T1 used by a first user transmits a request to a first payment server managed by a first payment company available to the first user to acquire a payment token. The payment server Q1 generates a token associated with a first company identifier for identifying the first payment company, and transmits it to a first user terminal T1. The first user terminal T1 displays a payment code generated based on the payment token. A second user terminal T2 registered on a second payment server managed by a second payment company different from the first payment company transmits payment information including the payment token obtained by reading the payment code and the amount to be paid, to a mediation server M. The mediation server M acquires the first company identifier associated with the payment token. The mediation server M transmits the payment token to the first payment server having generated the payment token.SELECTED DRAWING: Figure 2

Description

  The present invention relates to a payment processing method, and more particularly, to a technique for performing a payment process using a payment code.

  2. Description of the Related Art Electronic settlement, which performs settlement electronically without using real money such as bills and coins, has become widespread. In electronic payment, authentication of a user who pays for goods or services may be performed as a premise of payment.At the time of this user authentication, an authentication process is performed by reading an imaged code with a code reader such as a camera. A mechanism for realizing this is becoming widespread (for example, Patent Document 1).

JP-T-2017-503253

  The technology described in Patent Literature 1 executes an authentication process based on information embedded in a barcode or a QR code (registered trademark). However, standards concerning the structure and encoding of information to be embedded in codes are becoming turbulent, and there is a situation where standards of different types are not compatible. For this reason, a user who wants to use electronic payment as described above may be confused as to which standard electronic payment should be used, which may hinder the spread of electronic payment.

  The present invention has been made in view of these points, and an object of the present invention is to provide a technique that enables a user to perform payment without being aware of the type of electronic payment.

  A first aspect of the present invention is a settlement processing method. In this method, a first user terminal used by a first user transmits a payment token acquisition request to a first payment server managed by a first payment provider available to the first user, A step in which the first payment server transmits a payment token associated with a first business operator identifier for identifying the first payment business operator to the first user terminal; and Displaying a payment code generated based on the payment token; and a second user terminal registered in a second payment server managed by a second payment provider different from the first payment provider, Transmitting the payment information including the payment token obtained by reading the payment code and the payment amount to the mediation server; and the mediation server being associated with the payment token. Obtaining the first business entity identifier, the intermediary server transmitting the payment token to the first payment server that has generated the payment token, and the first payment server Performing a user authentication of the first user based on a payment token.

  A second aspect of the present invention is also a settlement processing method. In this method, a first user terminal used by a first user transmits a payment token acquisition request to a first payment server managed by a first payment provider available to the first user, A step in which the first payment server transmits a token associated with a first business operator identifier for identifying the first payment business operator to the first user terminal; Displaying a payment code generated based on the token; and a second user terminal displaying payment information including a payment token obtained by reading the payment code and a payment amount to the second user terminal. Transmitting to a second payment server managed by a second payment company available to a second user using the second payment server; and the second payment server receiving the payment information received from the second user terminal. To the mediation server, the mediation server extracts the first business operator identifier from the payment token included in the payment information received from the second payment server, and the mediation server Transmitting the payment token to the first payment server managed by the first payment provider identified by the first payment provider identifier, and wherein the first payment server performs the payment Authenticating the first user based on a use token.

  A third aspect of the present invention is also a settlement processing method. In this method, a first user terminal used by a first user transmits a payment token acquisition request to a first payment server managed by a first payment provider available to the first user, The first payment server encrypts a payment token associated with a first business operator identifier for identifying the first payment business using a first encryption key that is an encryption key used by the first payment server. Transmitting the encrypted payment token to the first user terminal using the first encryption key, and decrypting the encrypted payment token received from the first payment server using the first encryption key. Displaying the payment code generated based on the payment token by the first user terminal, and registering the payment code in a second payment server managed by a second payment company different from the first payment company The second user terminal, which reads the payment code, sets the payment information including the payment token obtained by reading the payment code and the payment amount into the second encryption key that is the encryption key used by the first payment server. Transmitting the encrypted payment information received from the second user terminal using the second encryption key, and encrypting the payment information using the second encryption key. A step in which the mediation server acquires the first business entity identifier associated with the payment token included in the decrypted payment information; and the mediation server is included in the decrypted payment information. Encrypting the payment token with the first encryption key, wherein the mediation server sends the encrypted payment token to the first payment server that has generated the payment token. Communicating, the first payment server decrypting the encrypted payment token obtained from the mediation server using the first encryption key, and the first payment server decrypts the payment. Performing a user authentication of the first user based on a use token.

  The payment processing method, wherein the first payment server generates a token associated with a first business operator identifier for identifying the first payment business and transmits the token to the mediation server; However, if the settlement token received from the first settlement server and the settlement token received from the second user terminal do not match, the method may further include stopping the settlement processing.

  A fourth aspect of the present invention is also a settlement processing method. In this method, a first user terminal used by a first user obtains a payment token for making a payment using a first payment server managed by a first payment company available to the first user. Transmitting a request to an intermediary server; the intermediary server transmitting to the first user terminal a token associated with a first operator identifier for identifying the first payment operator; A first user terminal displaying a payment code generated based on the payment token; and a second user terminal reading the payment token obtained by reading the payment code, and a payment amount. Transmitting the payment information including the payment information to the mediation server; the mediation server acquiring the first business entity identifier associated with the payment token; Transmitting the payment token to the first payment server that has generated the payment token, and authenticating the first user based on the payment token. And

  A fifth aspect of the present invention is also a settlement processing method. The method includes obtaining a payment token from a first user terminal used by a first user for performing payment using a first payment server managed by a first payment provider available to the first user. Receiving a request, transmitting a token associated with a first business operator identifier for identifying the first payment business operator to the first user terminal, and performing the first processing based on the payment token. Receiving payment information including a payment token obtained by reading the payment code and a payment amount from the second user terminal that has read the payment code generated by the user terminal; and Transmitting the payment token to a first payment server, which is a payment server of a payment company corresponding to the above, and based on the payment token from the first payment server Including the steps of: receiving the information about the already approved, the.

  According to the present invention, it is possible to provide a technology that enables a user to make a payment without being aware of the type of electronic payment.

FIG. 4 is a diagram for explaining pre-registration processing of the payment processing system according to the first embodiment. It is a figure which shows typically the functional structure of each apparatus with which the payment processing system which concerns on 1st Embodiment is provided. It is a figure for explaining the settlement processing which the settlement processing system concerning a 1st embodiment performs. FIG. 4 is a diagram schematically illustrating a data structure of a payment token database stored in a storage unit according to the first embodiment. It is a figure for explaining the settlement processing which the settlement processing system concerning a 1st modification of a 1st embodiment performs. It is a figure for explaining the settlement processing performed by the settlement processing system concerning the 2nd modification of a 1st embodiment. It is a figure for explaining the settlement processing performed by the settlement processing system concerning the 3rd modification of a 1st embodiment. It is a figure for explaining the settlement processing which the settlement processing system concerning a 4th modification of a 1st embodiment performs. It is a figure for explaining the settlement processing which the settlement processing system concerning a 5th modification of a 1st embodiment performs. It is a figure for explaining the settlement processing performed by the settlement processing system concerning the 6th modification of a 1st embodiment. It is a figure which shows typically the functional structure of each apparatus with which the payment processing system which concerns on 2nd Embodiment is provided. It is a figure for explaining the payment processing which the payment processing system concerning a 2nd embodiment performs.

[First Embodiment]
<Overview of First Embodiment>
An outline of the first embodiment will be described. The mediation server according to the first embodiment is a device that mediates electronic payment using a QR code or the like. The mediation server according to the first embodiment includes a user terminal used by a user who intends to make an electronic payment, a store terminal installed in a store used by the user, and a payment server of a payment company available to the user. And mediate the exchange of information between the four parties with a payment server of a payment provider available to the store.

  Here, the technology of electronic payment using a code is a method in which a store terminal reads a code displayed on a user terminal of a user using a store and transmits the code to a payment server (hereinafter, referred to as a “user presentation method”). ) And a method in which a user terminal reads a code displayed on a store terminal and transmits the code to a settlement server (hereinafter, referred to as a “store presentation method”). There are two types of methods.

  Hereinafter, in the first embodiment, a user of a terminal displaying a code is a “first user”, a terminal used by the first user is a “first user terminal”, and a payment provider contracted by the first user Is referred to as a “first payment operator”, and a payment server managed by the first payment operator is referred to as a “first payment server”. Also, a terminal that reads a code displayed by the first user terminal is a “second user terminal”, a user who uses the second user terminal is a “second user”, and a payment operator contracted by the second user is a “second user terminal”. The second settlement company "and the settlement server managed by the second settlement company are referred to as" second settlement server ".

  Therefore, in the payment system of the user presentation method, the user terminal of the user using the store is the first user terminal, and the store terminal installed in the store used by the user is the second user terminal. In this case, the second user is a store manager or the like. Further, in the store-presentation type settlement system, the user terminal of the user using the store is the second user terminal, and the store terminal installed in the store used by the user is the first user terminal.

  In general, information exchanged with a user terminal for settlement by an electronic settlement settlement company is encrypted with an encryption key used individually by each settlement company. Therefore, when the first settlement operator is different from the second settlement operator, the settlement information encrypted with the encryption key used by the first operator for communication with the first settlement operator is transmitted to the second settlement operator. Is received, the second settlement company cannot usually perform settlement processing.

  The mediation server according to the first embodiment is configured such that an encryption key used by each settlement company is acquired in advance from a plurality of settlement companies, and each company can read encrypted information used at the time of communication. ing. Therefore, the mediation server according to the first embodiment receives the payment information including the token for the first payment server transmitted by the first user terminal, reads the content thereof, and transmits the payment information to the second payment server. Can be transferred.

  As described above, the mediation server according to the first embodiment includes a settlement company of an electronic settlement contracted by a user who intends to make an electronic settlement and a settlement company contracted by a store used by the user. However, the settlement processing can be realized by mediating between the two. Therefore, the mediation server according to the first embodiment can allow a user to make a payment without being aware of the type of electronic payment.

<Pre-registration process>
FIG. 1 is a diagram for explaining a pre-registration process of the settlement processing system S according to the first embodiment. Note that, for convenience of description, the following description will be mainly given on the assumption that the payment processing system S is a system that processes payment in a user presentation system.

  As shown in FIG. 1, the payment processing system S according to the first embodiment is installed in a first user terminal T1 that is a terminal used by a first user U1 and a store R used by the first user U1. A second user terminal T2, which is a terminal that is present, a first payment server Q1, which is a payment server Q managed by a payment operator to which the first user U1 has contracted, and a second user U2, who is a manager of the store R, make a contract. A second settlement server Q2, which is a settlement server Q of the settlement company, and an intermediary server M.

  Hereinafter, the pre-registration processing of the settlement processing system S according to the first embodiment will be described in the order of (1) to (5) with reference to FIG. Corresponds to 5).

(1) The second user U2 performs user registration with the second payment server Q2 managed by the second payment operator in order to use the electronic payment service provided by the second payment operator. Thereby, the second user U2 opens an account for electronic payment managed by the second payment server Q2.
(2) The second user U2 performs user registration in the mediation server M.

(3) The second settlement company registers the company with the mediation server M, and the second settlement company provides the mediation server M with an encryption key for encrypting information during communication.
(4) The first settlement company registers the company with the mediation server M, and the first settlement company provides the mediation server M with an encryption key for encrypting information during communication.
(5) The first user U1 performs user registration with the first payment server Q1 managed by the first payment operator in order to use the electronic payment service provided by the first payment operator. Thereby, the first user U1 opens an account for electronic payment managed by the first payment server Q1.

  Here, the “payment token” is a random character string that the first payment server Q1 transmits to the first user terminal T1 of the first user U1 when the first user U1 attempts to make payment with the first payment server Q1. It is. The first payment server Q1 generates each payment token so that payment tokens transmitted to each first user U1 do not overlap. When receiving a request from the first user terminal T1, the first payment server Q1 generates a payment token and stores it in the storage unit in association with the user identifier of the first user U1.

  Here, the first payment server Q1 determines an expiration date for each payment token to be issued. The first payment server Q1 deletes the expired payment token from the storage unit. The expiration date may be determined in consideration of the security required for settlement and the like, but is, for example, several minutes to several tens of minutes.

  The first user terminal T1 generates a payment code (for example, an image such as a QR code or a barcode) based on the payment token, and displays the code on the display unit of the first user terminal T1. If the second user terminal T2 can read the payment code and transmit the payment code to the first payment server Q1 together with the payment amount, the first payment server Q1 obtains the first code from the user identifier associated with the received payment token. The user U1 can be specified. If the first user U1 can be specified, the first payment server Q1 can make a payment from the account of the first user U1 with the payment amount received from the second user terminal T2.

  However, when the second user U2 has not performed user registration for using the electronic payment service of the first payment operator, the second user terminal T2 displays the payment code displayed on the display by the first user terminal T1. Even if it is read, there is no way to transmit the payment information to the first payment server Q1.

  In general, encrypted information is exchanged between the user terminal T and the payment server Q, but the encryption keys used by each payment server Q for encrypting information are different from each other. Therefore, when the second user U2 has not registered as a member store for using the electronic payment service of the first payment provider, the first user terminal T1 displays the payment code displayed on the display unit on the second user terminal T2. However, since the second user terminal T2 does not have the encryption key used by the first payment server Q1, the payment code cannot be encrypted so that the first payment server Q1 can decrypt it.

  Therefore, the mediation server M mediates transmission and reception of information between the second user terminal T2 and the first payment server Q1, and converts information received from the second user terminal T2 into information that can be handled by the first payment server Q1. To the first settlement server Q1. Thereby, the mediation server M can realize electronic payment even if the type of electronic payment contracted by the first user U1 and the type of electronic payment contracted by the second user U2 are different.

<Functional Configuration of Settlement Processing System S According to First Embodiment>
FIG. 2 is a diagram schematically illustrating a functional configuration of each device included in the settlement processing system S according to the first embodiment. The payment processing system S includes a first user terminal T1, a second user terminal T2, an intermediary server M, a first payment server Q1, and a second payment server Q2, which can communicate via a communication network N. Connected. The first user terminal T1 includes a storage unit 10 and a control unit 11. The second user terminal T2 also includes a storage unit 20 and a control unit 21. Similarly, the mediation server M includes a storage unit 30 and a control unit 31, the first payment server Q1 includes a storage unit 40 and a control unit 41, and the second payment server Q2 includes a storage unit 50 and a control unit 51. Prepare.

  In FIG. 2, arrows indicate main data flows, and there may be data flows not shown in FIG. In FIG. 2, each functional block shows a configuration of a function unit, not a configuration of a hardware (device) unit. The transfer of data between the functional blocks may be performed via any means such as a data bus, a network, and a portable storage medium.

  The storage unit 10 includes a ROM (Read Only Memory) that stores a BIOS (Basic Input Output System) of a computer that implements the first user terminal T1, a RAM (Random Access Memory) that is a work area of the first user terminal T1, It is a large-capacity storage device such as a hard disk drive (HDD) or a solid state drive (SSD) that stores an OS (Operating System), an application program, and various information referred to when the application program is executed.

  The control unit 11 is a processor such as a CPU (Central Processing Unit) or a GPU (Graphics Processing Unit) of the first user terminal T1, and executes the program stored in the storage unit 10 to execute the token request unit 110 and the display control. It functions as the unit 111.

  Similarly, the storage unit 20 is referred to at the time of executing the application program, such as the ROM for storing the BIOS and the like of the computer realizing the second user terminal T2, the RAM serving as a work area of the second user terminal T2, the OS and application programs. This is a large-capacity storage device such as an HDD or SSD that stores various types of information. The control unit 21 is a processor such as a CPU or a GPU of the second user terminal T2, and functions as a code reading unit 210 and a payment information transmitting unit 211 by executing a program stored in the storage unit 20.

  The storage unit 30 stores a ROM that stores the BIOS of the computer that implements the mediation server M, a RAM that serves as a work area of the mediation server M, an OS and application programs, and various types of information that is referred to when the application programs are executed. It is a large-capacity storage device such as an HDD or SSD. The control unit 31 is a processor such as a CPU or a GPU of the mediation server M, and functions as a payment information receiving unit 310, a payment requesting unit 311, and a notification unit 312 by executing a program stored in the storage unit 30.

  The storage unit 40 stores a ROM that stores a BIOS of the computer that implements the first settlement server Q1, a RAM that serves as a work area of the mediation server M, an OS and application programs, and various types of information that is referred to when the application programs are executed. It is a large-capacity storage device such as an HDD or SSD for storing. The control unit 41 is a processor such as a CPU or a GPU of the first payment server Q1, and functions as the token transmission unit 410, the payment management unit 411, and the settlement management unit 412 by executing a program stored in the storage unit 40. I do.

  The storage unit 50 stores a ROM that stores a BIOS of the computer that implements the second settlement server Q2, a RAM that serves as a work area of the mediation server M, an OS and application programs, and various information that is referred to when the application programs are executed. It is a large-capacity storage device such as an HDD or SSD for storing. The control unit 51 is a processor such as a CPU or a GPU of the second payment server Q2, and functions as the token transmission unit 510, the payment management unit 511, and the settlement management unit 512 by executing a program stored in the storage unit 50. I do.

  FIG. 3 is a diagram illustrating a payment process performed by the payment processing system S according to the first embodiment. Hereinafter, the payment processing executed by the payment processing system S according to the first embodiment will be described in the order of (1) to (13) with reference to FIG. 2 and FIG. These correspond to (1) to (13).

(1) The token requesting unit 110 of the first user terminal T1 transmits a payment token acquisition request to the first payment server Q1 managed by a first payment provider that can be used by the first user U1.
(2) The token transmission unit 410 of the first settlement server Q1 responds to the acquisition request acquired from the first user terminal T1, and associates the token associated with the first company identifier for specifying the first settlement company. Is generated and transmitted to the first user terminal T1. The token transmission unit 410 stores the payment token transmitted to the first user terminal T1 in the storage unit 40 in association with the first user identifier for specifying the first user U1. Note that the first settlement server Q1 executes user authentication of a user using the first user terminal T1 when receiving a token request from the token request unit 110 of the first user terminal T1 or prior to the token request. . On condition that the user authentication is successful, the token transmission unit 410 of the first payment server Q1 generates a payment token.

  FIG. 4 is a diagram schematically illustrating a data structure of a payment token database stored in the storage unit 40 according to the first embodiment. The payment token database stores each user identifier, payment token, and expiration date in association with each other.

  The payment token database shown in FIG. 4 is stored in the storage unit 40 of the first payment server Q1. As shown in FIG. 4, the settlement token is basically a random character string, but the first three characters are all a common character string "001". This character string corresponds to the first business operator identifier. As described above, in the example illustrated in FIG. 4, the settlement token and the business entity identifier are associated with each other in such a manner that the business entity identifier is included in the payment token. Thereby, the device that has acquired the payment token can determine which payment server Q is the payment token handled.

Returning to the description of FIG.
(3) The display control unit 111 of the first user terminal T1 causes the display unit of the first user terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(4) The code reading unit 210 of the second user terminal T2 reads the payment code displayed on the display unit of the first user terminal T1, and acquires a payment token.

  (5) The payment information transmitting unit 211 of the second user terminal T2 reads the payment token read and acquired by the code reading unit 210 and the second user for specifying the second user U2 using the second user terminal T2. The payment information including the identifier, the second business operator identifier for specifying the second payment business available to the second user U2, and the payment amount is transmitted to the mediation server M.

(6) The payment information receiving unit 310 of the mediation server M receives the payment information from the second user terminal T2.
(7) The settlement request unit 311 of the intermediation server M performs the first settlement of the first settlement company specified by the first company identifier acquired from the settlement token included in the settlement information received by the settlement information receiving unit 310. The payment token and the payment amount are transmitted to the server Q1.

  (8) The payment management unit 411 of the first payment server Q1 determines whether the payment token transmitted to the first user terminal T1 matches the payment token received from the mediation server M, and Perform authentication. The payment management unit 411 of the first payment server Q1 determines that the payment token received from the mediation server M is on condition that the payment token transmitted to the first user terminal T1 matches the payment token received from the mediation server M. The first user identifier associated with the token is acquired from the storage unit 40, and it is determined whether or not the settlement amount can be settled with the balance of the account of the first user U1 specified by the first user identifier. It notifies the mediation server M as information on settlement approval.

  (9) If the settlement amount can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the mediation server M sends the second user identifier and the settlement to the second settlement server Q2 managed by the second settlement company. A settlement request for the settlement amount included in the information is transmitted. If the settlement amount cannot be settled with the balance of the account of the first user U1, the settlement request unit 311 stops the settlement process.

  (10) The settlement management unit 511 of the second settlement server Q2 sets the settlement amount received from the intermediation server M on condition that the user authentication based on the second user identifier received from the settlement request unit 311 of the intermediation server M is successful. Execute the settlement with. Specifically, the payment management unit 511 transfers an amount corresponding to the payment amount to the account opened by the second user U2. This means that the second settlement server Q2 has made a payment for the first user U1. If the user authentication has failed, that is, if the second user U2 has not registered as a user with the second payment provider, the payment management unit 511 of the second payment server Q2 stops the payment processing.

(11) The settlement management unit 511 notifies the second user terminal T2 that the settlement has been completed.
(12) When transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M notifies the first user terminal T1 that the payment has been completed.

  (13) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. As a result, the amount corresponding to the settlement amount is remitted from the account of the first user U1 managed by the first settlement server Q1 to the second settlement server Q2, and the payment of the first user U1 renewed by the second settlement server Q2 is settled. Is done. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2. For example, the settlement intermediation unit (not shown) of the intermediation server M may receive the settlement request from the settlement management unit 512 of the second settlement server Q2 and transfer the request to the settlement management unit 412 of the first settlement server Q1.

  As described above, the mediation server M according to the first embodiment mediates the settlement processing performed among the first user terminal T1, the second user terminal T2, the first settlement server Q1, and the second settlement server Q2. I do. Thereby, the mediation server M can realize electronic payment even if the type of electronic payment contracted by the first user U1 and the type of electronic payment contracted by the second user U2 are different.

<Effects of Intermediation Server M According to First Embodiment>
As described above, according to the mediation server M according to the embodiment, it is possible for the user U to make a payment without being conscious of the type of electronic payment.

<First Modification of First Embodiment>
FIG. 5 is a diagram illustrating a payment process performed by a payment processing system S according to a first modification of the first embodiment. The settlement processing system S according to the first modification of the first embodiment is different from the settlement processing system S according to the first embodiment in that the first settlement server Q1 performs settlement processing based on settlement information. Execute.

  Hereinafter, the payment processing executed by the payment processing system S according to the first modified example of the first embodiment will be described in the order of (1) to (12) with reference to FIG. This corresponds to (1) to (12) in FIG. The processing from (1) to (7) is the same as the processing from (1) to (7) in FIG.

  (8) The payment management unit 411 of the first payment server Q1 determines whether the payment token transmitted to the first user terminal T1 matches the payment token received from the mediation server M, and Perform authentication. The payment management unit 411 of the first payment server Q1 determines that the payment token received from the mediation server M is on condition that the payment token transmitted to the first user terminal T1 matches the payment token received from the mediation server M. The first user identifier associated with the token is acquired from the storage unit 40, and it is determined whether the settlement amount can be settled with the balance from the account of the first user U1 specified by the first user identifier, and the settlement is performed. If possible, the settlement is executed and the amount corresponding to the settlement amount is deducted from the account of the first user U1.

(9) The settlement management unit 411 of the first settlement server Q1 transmits the settlement result to the mediation server M.
(10) The notification unit 312 of the mediation server M transmits the result of the payment received from the first payment server Q1 to the second user terminal T2.
(11) The notification unit 312 of the mediation server M transmits the result of the payment received from the first payment server Q1 to the first user terminal T1.

  (12) The settlement management unit 412 of the first settlement server Q1 issues a settlement request to the settlement management unit 512 of the second settlement server Q2. As a result, the amount corresponding to the payment amount deducted from the account of the first user U1 managed by the first payment server Q1 is transferred to the account of the second user U2 managed by the second payment server Q2. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2.

  As described above, the payment processing system S according to the first modification of the first embodiment is different from the payment processing system S according to the first embodiment, and is a payment provider that can be used by the first user U1. First payment server Q1 executes the payment processing. For this reason, the settlement processing system S according to the first modification of the first embodiment transmits the result of the balance confirmation to the mediation server if the balance of the settlement of the settlement amount exists in the account of the first user U1. Since the settlement process can be executed immediately without the process of notifying M, the settlement process can be sped up.

  Considering the settlement processing system S according to the first embodiment and the settlement processing system S according to the first modification of the first embodiment, the settlement request unit 311 of the intermediary server M sets the first settlement It can be said that the settlement request for the settlement amount should be transmitted to either one of the server Q1 and the second settlement server Q2. The one payment server Q that has received the payment request executes the payment processing and transmits the settlement request to the other payment server Q, so that the payment processing system S performs the electronic payment of the first user U1 Even if the type differs from the type of electronic payment contracted by the second user U2, electronic payment can be realized.

<Second Modification of First Embodiment>
FIG. 6 is a diagram illustrating a payment process performed by a payment processing system S according to a second modification of the first embodiment. The settlement processing system S according to the second modification of the first embodiment is different from the settlement processing system S according to the first embodiment in that the mediation server M includes a first user terminal T1 and a first settlement Information exchanged with the server Q1 is encrypted with the encryption key used by the first payment server Q1. Further, the mediation server M encrypts information exchanged between the second user terminal T2 and the second payment server Q2 with the encryption key used by the second payment server Q2.

  Hereinafter, the payment processing executed by the payment processing system S according to the second modification of the first embodiment will be described in the order of (1) to (14) with reference to FIG. This corresponds to (1) to (14) in FIG. The process (1) is the same as the process (1) in FIG.

  (2) The token transmission unit 410 of the first settlement server Q1 responds to the acquisition request acquired from the first user terminal T1, and associates the token associated with the first company identifier for specifying the first settlement company. Is generated, the generated payment token is encrypted with the encryption key used by the first payment server Q1, and then transmitted to the first user terminal T1. The token transmission unit 410 stores the payment token transmitted to the first user terminal T1 in the storage unit 40 in association with the first user identifier for specifying the first user U1. Note that the first settlement server Q1 executes user authentication of a user using the first user terminal T1 when receiving a token request from the token request unit 110 of the first user terminal T1 or prior to the token request. . On condition that the user authentication is successful, the token transmission unit 410 of the first payment server Q1 generates a payment token.

(3) The display control unit 111 of the first user terminal T1 decrypts the encrypted payment token received from the first payment server Q1, and generates a payment code generated based on the obtained payment token. It is displayed on the display unit of the first user terminal T1.
(4) The code reading unit 210 of the second user terminal T2 reads the payment code displayed on the display unit of the first user terminal T1, and acquires a payment token.

  (5) The payment information transmitting unit 211 of the second user terminal T2 sets the payment token acquired by the code reading unit 210, the second user identifier for specifying the second user U2 using the second user terminal T2, and , The settlement information including the second business operator identifier for specifying the second payment business operator usable by the second user U2 and the payment amount is encrypted by the encryption key used by the second payment server Q2, and the mediation is performed. Send to server M.

(6) The payment information receiving unit 310 of the mediation server M receives the encrypted payment information from the second user terminal T2.
(7) The payment information receiving unit 310 decrypts the encrypted payment information received from the second user terminal T2 using the encryption key used by the second payment server Q2.

  (8) The settlement request unit 311 of the intermediation server M performs the first settlement of the first settlement company specified by the first company identifier acquired from the settlement token included in the settlement information received by the settlement information receiving unit 310. The information including the payment token and the payment amount is encrypted with the encryption key used by the first payment server Q1 and transmitted to the server Q1.

  (9) The settlement management unit 411 of the first settlement server Q1 determines whether the settlement token transmitted to the first user terminal T1 matches the settlement token received from the mediation server M, and Perform authentication. The payment management unit 411 of the first payment server Q1 transmits the information received from the mediation server M on condition that the payment token transmitted to the first user terminal T1 matches the payment token received from the mediation server M. The first user identifier decrypted and associated with the payment token is acquired from the storage unit 40. The settlement management unit 411 determines whether the settlement amount can be settled with the balance of the account of the first user U1 specified by the first user identifier, encrypts the result, and notifies the mediation server M.

  (10) The settlement request unit 311 of the mediation server M decrypts the notification received from the settlement management unit 411 with the encryption key used by the first settlement server Q1. The settlement requesting unit 311 of the intermediary server M can settle the settlement amount with the balance of the account of the first user U1 (that is, the user authentication of the first user UI is successful in the first settlement server Q1 and there is a balance). Then, the payment request for the payment amount and the second user identifier included in the payment information are encrypted with the encryption key used by the second payment server Q2 and transmitted to the second payment server Q2 managed by the second payment provider.

(11) The payment management unit 511 of the second payment server Q2 transmits the information received from the relay server M on condition that the user authentication based on the second user identifier received from the payment request unit 311 of the relay server M is successful. Decrypt and execute the payment with the payment amount.
(12) The settlement management unit 511 encrypts the information indicating that the settlement is completed with the encryption key used by the second settlement server Q2, and notifies the second user terminal T2.

(13) When transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M encrypts the information indicating that the payment has been completed with the encryption key used by the first payment server Q1, and transmits the first user terminal. Notify T1.
(14) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2.

  As described above, the mediation server M encrypts information exchanged between the first user terminal T1 and the first payment server Q1 with the encryption key used by the first payment server Q1. Further, the mediation server M encrypts information exchanged between the second user terminal T2 and the second payment server Q2 with the encryption key used by the second payment server Q2. Thereby, the mediation server M can further improve the security of the settlement process.

<Third Modification of First Embodiment>
FIG. 7 is a diagram for explaining a payment process performed by the payment processing system S according to the third modification of the first embodiment. The payment processing system S according to the third modification of the first embodiment is different from the payment processing system S according to the first embodiment in that the first payment server Q1 transmits the generated payment token to the mediation server. M is also transmitted.

  Hereinafter, the payment processing executed by the payment processing system S according to the third modification of the first embodiment will be described in the order of (1) to (15) with reference to FIG. This corresponds to (1) to (15) in FIG. The processes (1) and (2) are the same as the processes (1) and (2) in FIG.

(3) The token transmission unit 410 transmits the generated settlement token to the mediation server M.
(4) The display control unit 111 of the first user terminal T1 causes the display unit of the first user terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(5) The code reading unit 210 of the second user terminal T2 reads the payment code displayed on the display unit of the first user terminal T1, and acquires a payment token.

  (6) The payment information transmitting unit 211 of the second user terminal T2 transmits the payment token acquired by the code reading unit 210, a second user identifier for identifying the second user U2 using the second user terminal T2, and The settlement information including the second business operator identifier for specifying the second payment business available to the second user U2 and the payment amount is transmitted to the mediation server M.

(7) The settlement information receiving unit 310 of the mediation server M receives the settlement information from the second user terminal T2.
(8) When the settlement token received from the first settlement server Q1 and the settlement token received from the second user terminal T2 do not match, the settlement request unit 311 of the mediation server M stops the settlement processing. Specifically, the payment request unit 311 determines whether the payment token received from the second user terminal T2 is one of the payment tokens that have not expired among the payment tokens received from the first payment server Q1. If they are not included, it is determined that they do not match.

  (9) When the settlement token received from the first settlement server Q1 matches the settlement token received from the second user terminal T2, the settlement request unit 311 of the intermediation server M determines whether the settlement token and the settlement amount To the first settlement server Q1.

  (10) The settlement management unit 411 of the first settlement server Q1 acquires the first user identifier associated with the settlement token received from the intermediation server M from the storage unit 40, and is specified by the first user identifier. It is determined whether or not the settlement amount can be settled with the balance of the account of the first user U1, and the result is notified to the mediation server M.

(11) When the settlement request can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the mediation server M sends the settlement included in the settlement information to the second settlement server Q2 managed by the second settlement company. Send a settlement request for the amount.
(12) The settlement management unit 511 of the second settlement server Q2 executes settlement with the settlement amount received from the mediation server M. Specifically, the payment management unit 511 transfers an amount corresponding to the payment amount to the account opened by the second user U2.

(13) The settlement management unit 511 notifies the second user terminal T2 that the settlement has been completed.
(14) When transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M notifies the first user terminal T1 that the payment has been completed.

  (15) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. As a result, the amount corresponding to the settlement amount is remitted from the account of the first user U1 managed by the first settlement server Q1 to the second settlement server Q2. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2.

  As described above, in the mediation server M according to the third modification of the first embodiment, the payment request unit 311 receives the payment token received from the first payment server Q1 and the payment token received from the second user terminal T2. If the payment token does not match, the payment processing is stopped. Accordingly, the mediation server M can suppress the first payment server Q1 from executing a process such as a balance check, so that the load on the first payment server Q1 can be reduced.

  Note that the first payment server Q1 does not have to include the first business entity identifier in the payment token generated in response to the payment token acquisition request of the first user terminal T1. In this case, when receiving the payment token from the first payment server Q1, the intermediary server M stores the received payment token in the storage unit 30 in association with the first business operator identifier. The mediation server M reads the payment token that matches the payment token included in the payment information received from the second user terminal T2 from the storage unit 30, and obtains the first business entity identifier associated with the payment token. By doing so, it is possible to specify a payment provider that can be used by the first user U1.

<Fourth Modified Example According to First Embodiment>
FIG. 8 is a diagram illustrating a payment process performed by a payment processing system S according to a fourth modification of the first embodiment. The payment processing system S according to the fourth modification of the first embodiment is different from the payment processing system S according to the first embodiment in that the second user terminal T2 that has read the payment code reads the payment information. To the second settlement server Q2 instead of the mediation server M.

  Hereinafter, the payment processing executed by the payment processing system S according to the fourth modification of the first embodiment will be described in the order of (1) to (14) with reference to FIG. This corresponds to (1) to (14) in FIG. The processing from (1) to (4) is the same as the processing from (1) to (4) in FIG.

  (5) The payment information transmitting unit 211 of the second user terminal T2 transmits the payment information including the payment token acquired by the code reading unit 210 and the payment amount to the second payment server Q2.

(6) When the payment token included in the payment information received from the second user terminal T2 is different from the payment token used by the second payment server Q2, the payment management unit 511 of the second payment server Q2 determines that the second user The settlement information received from the terminal T2 is transferred to the mediation server M.
(7) The settlement information receiving unit 310 of the mediation server M receives the settlement information from the second settlement server Q2.
(8) The settlement request unit 311 of the intermediation server M performs the first settlement of the first settlement company specified by the first company identifier acquired from the settlement token included in the settlement information received by the settlement information receiving unit 310. The payment token and the payment amount are transmitted to the server Q1.

  (9) The settlement management unit 411 of the first settlement server Q1 determines whether the settlement token transmitted to the first user terminal T1 matches the settlement token received from the mediation server M, and Perform authentication. The payment management unit 411 of the first payment server Q1 determines that the payment token received from the mediation server M is on condition that the payment token transmitted to the first user terminal T1 matches the payment token received from the mediation server M. The first user identifier associated with the token is acquired from the storage unit 40, and it is determined whether or not the settlement amount can be settled with the balance of the account of the first user U1 specified by the first user identifier. Notify the mediation server M.

(10) If the settlement amount can be settled with the balance of the account of the first user U1, the settlement request unit 311 of the mediation server M sends the settlement included in the settlement information to the second settlement server Q2 managed by the second settlement company. Send a settlement request for the amount.
(11) The settlement management unit 511 of the second settlement server Q2 sets the settlement amount received from the intermediation server M on condition that the user authentication based on the second user identifier received from the settlement request unit 311 of the intermediation server M is successful. Execute the settlement with.
(12) The settlement management unit 511 notifies the second user terminal T2 that the settlement has been completed.

(13) When transmitting the payment request to the second payment server Q2, the notification unit 312 of the mediation server M notifies the first user terminal T1 that the payment has been completed.
(14) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2.

  As described above, in the payment processing system S according to the fourth modified example of the first embodiment, the second user terminal T2 transmits the payment information to the second payment server Q2 instead of the mediation server M. The second payment server Q2 transfers the payment information to the intermediary server M, since the payment token included in the received payment information cannot be executed because the payment token is generated by the first payment server Q1. Since there is no need to exchange information between the second user terminal T2 and the mediation server M, even if the second user U2 does not specify a member store registration in the mediation server M, the second settlement server Q2 can use the mediation server M The brokerage server M can mediate the settlement process if the company is registered as a company.

<Fifth Modification of First Embodiment>
FIG. 9 is a diagram illustrating a payment process performed by a payment processing system S according to a fifth modification of the first embodiment. The payment processing system S according to the fifth modified example of the first embodiment is different from the payment processing system S according to the first embodiment in that the first user terminal T1 transmits a payment token Send an acquisition request.

  Hereinafter, the payment processing executed by the payment processing system S according to the fifth modification of the first embodiment will be described in the order of (1) to (13) with reference to FIG. This corresponds to (1) to (13) in FIG.

(1) The token request unit 110 of the first user terminal T1 transmits to the intermediary server M a payment token acquisition request for performing payment using the first payment server Q1.
(2) In response to the acquisition request acquired from the first user terminal T1, the token transmission unit (not shown) of the mediation server M has associated the first business operator identifier for specifying the first payment business operator. A token is generated and transmitted to the first user terminal T1. The storage unit 30 stores the payment token transmitted to the first user terminal T1 in association with the first user identifier for specifying the first user U1.

  Note that the relay server M performs user authentication of the user using the first user terminal T1 when receiving a token request from the token request unit 110 of the first user terminal T1 or prior to the token request. Specifically, when the first user terminal T1 signs in to the mediation server M with an identifier associated with the first user identifier, the mediation server M can realize user authentication. Alternatively, the mediation server M has succeeded in user authentication on condition that the token request unit 110 of the first user terminal T1 obtains a first business entity identifier from the token request unit 110 when receiving a token request. May be considered. On condition that the user authentication is successful, the token transmission unit 410 of the first payment server Q1 generates a payment token.

  The processes from (3) to (13) in FIG. 9 are the same as the processes from (3) to (13) in FIG. In the settlement processing system S according to the fifth modified example of the first embodiment, when there is an acquisition request for a settlement token from the user terminal T that has registered the user in the intermediation server M, the intermediation server M performs the settlement. Generate token for use. As described above, since the mediation server M can handle a part of the processing for generating the payment token, the payment processing system S according to the fifth modification of the first embodiment reduces the processing load of the first payment server Q1. Can be dispersed.

<Sixth Modification of First Embodiment>
FIG. 10 is a diagram illustrating a payment process performed by a payment processing system S according to a sixth modification of the first embodiment. Specifically, the settlement processing system S according to the sixth modified example is a settlement system using a store presentation method. Therefore, the first user terminal T1 is a store terminal, and the first user U1 is a manager of the store R where the store terminal is installed. Further, the customer of the store R is the second user U2, and the user terminal of the second user U2 is the second user terminal T2.

  Hereinafter, the payment processing executed by the payment processing system S according to the sixth modification of the first embodiment will be described in the order of (1) to (13) with reference to FIG. This corresponds to (1) to (13) in FIG.

(1) The token requesting unit 110 of the first user terminal T1 transmits a payment token acquisition request to the first payment server Q1 managed by a first payment provider that can be used by the first user U1.
(2) The token transmission unit 410 of the first settlement server Q1 responds to the acquisition request acquired from the first user terminal T1, and associates the token associated with the first company identifier for specifying the first settlement company. Is generated and transmitted to the first user terminal T1.

(3) The display control unit 111 of the first user terminal T1 causes the display unit of the first user terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(4) The code reading unit 210 of the second user terminal T2 reads the payment code displayed on the display unit of the first user terminal T1, and acquires a payment token.

  (5) The payment information transmitting unit 211 of the second user terminal T2 sets the payment token acquired by the code reading unit 210, the second user identifier for specifying the second user U2 using the second user terminal T2, and The settlement information including the second business operator identifier for specifying the second payment business available to the second user U2 and the payment amount is transmitted to the mediation server M.

(6) The payment information receiving unit 310 of the mediation server M receives the payment information from the second user terminal T2.
(7) The settlement requesting unit 311 of the mediation server M sends the settlement amount and the second settlement amount to the second settlement server Q2 of the second settlement company to which the second user U2 having the second user terminal T2 makes a contract. A second user identifier for identifying the user U2 is transmitted.

  (8) The settlement management unit 511 of the second settlement server Q2 performs user authentication using the second user identifier received from the mediation server M. When the authentication is successful, the settlement management unit 511 of the second settlement server Q2 determines whether the settlement amount can be settled with the balance of the account of the second user U2 specified by the second user identifier, and mediates the result. Notify the server M.

(9) If the settlement request can be settled with the balance of the account of the second user U2, the settlement request unit 311 of the mediation server M sends the settlement included in the settlement information to the first settlement server Q1 managed by the first settlement operator. Send a settlement request for the amount.
(10) The settlement management unit 411 of the first settlement server Q1 executes settlement with the settlement amount received from the mediation server M. Specifically, the settlement management unit 411 transfers an amount corresponding to the settlement amount to an account opened by the first user U1.

(11) The settlement management unit 411 notifies the first user terminal T1 that the settlement has been completed.
(12) When transmitting the payment request to the first payment server Q1, the notification unit 312 of the mediation server M notifies the second user terminal T2 that the payment has been completed.

  (13) The settlement management unit 412 of the first settlement server Q1 issues a settlement request to the settlement management unit 512 of the second settlement server Q2. As a result, the amount corresponding to the settlement amount is remitted to the first settlement server Q1 from the account of the second user U2 managed by the second settlement server Q2. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2.

  Thereby, the settlement processing system S can realize electronic settlement even if the type of electronic settlement contracted by the first user U1 and the type of electronic settlement contracted by the second user U2 are different. .

[Second embodiment]
<Overview of Second Embodiment>
An outline of the second embodiment will be described. The settlement processing system S according to the second embodiment is a settlement system using a store presentation method. Therefore, in the settlement processing system S according to the second embodiment, the first user terminal T1 is a store terminal installed in the store R, and the second user terminal is a customer terminal owned by a customer who uses the store R. It is. Hereinafter, in the settlement processing system S according to the second embodiment, the store terminal as the first user terminal T1 is described as “store terminal T1”, and the customer terminal as the second user terminal T2 is described as “customer terminal T2”. I do.

  In the customer terminal T2 according to the second embodiment, application software (hereinafter, referred to as “payment application”) including a code generation algorithm and an encryption key used in a plurality of different payment servers Q is installed in advance. Have been. Specifically, when the owner of the customer terminal T2 performs user registration with the mediation server M, the customer terminal T2 can download the payment application from the mediation server M.

  Since the customer terminal T2 according to the second embodiment includes the payment application, the payment token read from the store terminal T1 is encoded by the algorithm used by the payment server Q that uses the payment token, or the payment server It can be encrypted with the encryption key used by Q. In the payment processing system S according to the second embodiment, the customer terminal T2 converts the information received from the store terminal T1 into information that can be handled by the first payment server Q1, and the first payment server Q1 converts the converted information. It performs encryption with the encryption key to be used. This is different from the settlement processing system S according to the first embodiment, particularly the second modification.

  Hereinafter, the functional configuration of each device included in the payment processing system S according to the second embodiment and the payment processing executed by the payment processing system S according to the second embodiment will be described. The description overlapping with the settlement processing system S according to the embodiment or various modifications thereof will be omitted or simplified as appropriate.

  FIG. 11 is a diagram schematically illustrating a functional configuration of each device included in the payment processing system S according to the second embodiment. 11, the mediation server M, the first payment server Q1, and the second payment server Q2 are the mediation server M, the first payment server Q1, and the second payment server Q2 according to the first embodiment shown in FIG. Since it has the same functional configuration as that of, detailed illustration is omitted. As shown in FIG. 11, the control unit 21 of the customer terminal T2 according to the second embodiment includes an encryption unit 212, which is different from the second user terminal T2 according to the first embodiment. .

  FIG. 12 is a diagram for explaining a payment process performed by the payment processing system S according to the second embodiment. Hereinafter, the payment processing executed by the payment processing system S according to the second embodiment will be described in the order of (1) to (15) with reference to FIG. 11 and FIG. Corresponds to (1) to (15).

  (1) The token requesting unit 110 of the store terminal T1 obtains a payment token from the first payment server Q1, which is managed by a first payment company that can be used by the manager of the store R where the store terminal T1 is installed. Submit the request.

  (2) In response to the acquisition request acquired from the store terminal T1, the token transmission unit 410 of the first payment server Q1 generates a token associated with a first business operator identifier for identifying the first payment business. To the store terminal T1.

(3) The display control unit 111 of the store terminal T1 causes the display unit of the store terminal T1 to display the payment code generated based on the payment token received from the first payment server Q1.
(4) The code reading unit 210 of the customer terminal T2 reads the payment code displayed on the display unit of the first user terminal T1, and acquires a payment token.

  (5) The encryption unit 212 of the customer terminal T2 includes a second business operator identifier for specifying a second payment business operator available to the customer having the customer terminal T2, a payment token, a payment amount, Is encrypted with the encryption key used by the first payment server Q1, which is the payment server of the first payment provider.

(6) The payment information transmission unit 211 of the customer terminal T2 transmits the payment information encrypted by the encryption unit 212 to the mediation server M.
(7) The payment information receiving unit 310 of the mediation server M receives the encrypted payment information from the customer terminal T2.

(8) The encryption unit 212 of the mediation server M decrypts the payment information received from the customer terminal T2, and obtains the first business entity identifier included in the payment token.
(9) The settlement request unit 311 of the mediation server M transfers the encrypted settlement information obtained from the customer terminal T2 to the first settlement server Q1.
(10) The settlement management unit 411 of the first settlement server performs user authentication of the customer who is the user of the shop terminal T1 based on the settlement information transferred from the intermediation server M, and transmits the authentication result to the intermediation server M. . Specifically, the payment management unit 411 of the first payment server matches the payment token transmitted from the token transmission unit 410 to the store terminal T1 with the payment token included in the payment information received from the mediation server M. In this case, it is determined that the authentication of the customer is successful.

(11) If the authentication is successful, the settlement request unit 311 of the mediation server M transmits a settlement request for the settlement amount to the second settlement server Q2.
(12) The settlement management unit 511 of the second settlement server Q2 executes the settlement when the settlement can be made with the balance of the customer's account.
(13) The settlement management unit 511 of the second settlement server Q2 transmits a notice of settlement completion to the mediation server M.

(14) The notification unit 312 of the mediation server M notifies the store terminal T1 and the customer terminal T2 of the completion of the settlement.
(15) The settlement management unit 512 of the second settlement server Q2 issues a settlement request to the settlement management unit 412 of the first settlement server Q1. As a result, the amount corresponding to the settlement amount is remitted from the customer's account managed by the second settlement server Q2 to the first settlement server Q1. The mediation server M may mediate a settlement process performed between the first payment server Q1 and the second payment server Q2.

<Effects of settlement processing system S according to second embodiment>
As described above, according to the payment processing system S according to the second embodiment, it is possible for the user U to perform payment without being aware of the type of electronic payment.

  In particular, in the payment processing system S according to the second embodiment, the customer terminal T2 converts the information received from the store terminal T1 into information that can be handled by the first payment server Q1, or converts the converted information into the first payment server It performs encryption with the encryption key used by Q1. In the settlement processing system S according to the second embodiment, since the client terminal T2 takes over part of the processing to be executed by the mediation server M or the settlement server Q, the load of the entire system can be distributed.

<First Modification of Second Embodiment>
In the above, the case where the second payment server Q2 makes a payment based on the payment information and makes a post-payment request to the first payment server Q1 has been described. Alternatively, the first payment server Q1 may make a payment based on the payment information, and may subsequently make a settlement request to the second payment server. That is, it can be said that the settlement request unit 311 of the intermediary server M only needs to transmit a settlement request for the settlement amount to one of the first settlement server Q1 and the second settlement server Q2. The settlement processing system S executes the settlement processing by receiving one of the settlement requests and transmits the settlement request to the other settlement server Q, so that the settlement processing system S can execute the electronic settlement with which the manager of the store R is contracted. Electronic payment can be realized even if the type of the payment is different from the type of electronic payment contracted by the customer.

<Second Modification of Second Embodiment>
The settlement processing system S according to the second modification of the second embodiment is different from the settlement processing system S according to the second embodiment in that the first settlement server Q1 transmits the generated settlement token to the mediation server. M is also transmitted.

  In the mediation server M according to the second modification of the second embodiment, the settlement request unit 311 determines that the settlement token received from the first settlement server Q1 does not match the settlement token received from the customer terminal T2. In the case of, the settlement processing is stopped. More specifically, the intermediary server M receives the payment token encrypted with the encryption key used by the first payment server Q1 from the first payment server Q1, and decrypts the token using the same encryption key to settle the payment token. Get a token. Further, the mediation server M receives payment information encrypted with the encryption key used by the first payment server Q1 from the customer terminal T2, decrypts the same using the same encryption key, and extracts a payment token. The mediation server M compares the payment token derived from the first payment server Q1 with the payment token derived from the customer terminal T2, and determines whether the two match. Thereby, the intermediary server M executes a process corresponding to the authentication process of the store terminal T1 by the first settlement server Q1, so that the load on the first settlement server Q1 can be reduced.

<Third Modification of Second Embodiment>
The settlement processing system S according to the third modification of the second embodiment is different from the settlement processing system S according to the second embodiment in that the store terminal T1 requests the intermediary server M to acquire a settlement token. Send As a result, the transfer server M can handle a part of the process of generating the payment token, and the payment processing system S according to the third modification of the second embodiment distributes the processing load of the first payment server Q1. Can be done.

  As described above, the present invention has been described using the embodiment, but the technical scope of the present invention is not limited to the scope described in the above embodiment, and various modifications and changes are possible within the scope of the gist. is there. For example, the specific embodiment of the dispersion / integration of the apparatus is not limited to the above embodiment, and all or a part of the apparatus may be functionally or physically dispersed / integrated in an arbitrary unit. Can be. Further, new embodiments that are generated by arbitrary combinations of the plurality of embodiments are also included in the embodiments of the present invention. The effect of the new embodiment caused by the combination has the effect of the original embodiment.

T1 first user terminal 10 storage unit 11 control unit 110 token request unit 111 display control unit T2 second user terminal 20 storage unit 21 ··· Control unit 210 ··· Code reading unit 211 ··· Payment information transmitting unit 212 ··· Encryption unit M ··· Mediation server 30 ··· Storage unit 31 ··· Control unit 310 ··· Payment information Receiving unit 311 Payment request unit 312 Notification unit Q1 First payment server 40 Storage unit 41 Control unit 410 Token transmission unit 411 Payment management unit 412 ··· Settlement management unit Q2 ··· Second settlement server 50 ··· Storage unit 51 ··· Control unit 510 ··· Token transmission unit 511 ··· Settlement management unit 512 ··· Settlement management unit N・ Communication network S ・ ・ ・ Payment processing system

Claims (6)

A step in which a first user terminal used by a first user transmits a payment token acquisition request to a first payment server managed by a first payment provider available to the first user;
A step in which the first payment server transmits a payment token associated with a first business operator identifier for identifying the first payment business operator to the first user terminal;
The first user terminal displaying a payment code generated based on the payment token;
A second user terminal registered in a second settlement server managed by a second settlement operator different from the first settlement operator reads the settlement code, a settlement token, and a settlement amount. Transmitting payment information to the mediation server, including:
The intermediary server acquiring the first business entity identifier associated with the payment token;
The intermediary server transmitting the payment token to the first payment server that has generated the payment token;
The first payment server performing user authentication of the first user based on the payment token;
Payment processing method including. A step in which a first user terminal used by a first user transmits a payment token acquisition request to a first payment server managed by a first payment provider available to the first user;
A step in which the first payment server sends a token associated with a first business operator identifier for identifying the first payment business operator to the first user terminal;
The first user terminal displaying a payment code generated based on the payment token;
A second payment provider in which a second user terminal can use payment information including a payment token obtained by reading the payment code and a payment amount for a second user using the second user terminal. Sending to a second payment server managed by
A step in which the second payment server transfers the payment information received from the second user terminal to a mediation server;
A step in which the mediation server extracts the first business entity identifier from the payment token included in the payment information received from the second payment server;
The intermediary server transmitting the payment token to the first payment server managed by the first payment provider specified by the first provider identifier, the payment information;
A step in which the first payment server authenticates the first user based on the payment token;
Payment processing method including. A step in which a first user terminal used by a first user transmits a payment token acquisition request to a first payment server managed by a first payment provider available to the first user;
The first payment server encrypts a payment token associated with a first business operator identifier for identifying the first payment business using a first encryption key that is an encryption key used by the first payment server. And transmitting to the first user terminal;
The first user terminal decrypting the encrypted payment token received from the first payment server using the first encryption key;
The first user terminal displaying a payment code generated based on the payment token;
A second user terminal registered in a second settlement server managed by a second settlement operator different from the first settlement operator reads the settlement code, a settlement token, and a settlement amount. Encrypting the payment information including the second encryption key that is the encryption key used by the first payment server, and transmitting the encrypted information to the mediation server;
A step in which the mediation server decrypts the encrypted payment information received from the second user terminal using the second encryption key;
A step in which the intermediary server acquires the first business entity identifier associated with the payment token included in the decryption-obtained payment information;
A step in which the mediation server encrypts the payment token included in the decrypted payment information with the first encryption key;
Transmitting the encrypted payment token to the first payment server that has generated the payment token,
A step in which the first payment server decrypts the encrypted payment token obtained from the mediation server using the first encryption key;
A step in which the first payment server performs user authentication of the first user based on the decrypted payment token;
Payment processing method including. A step in which the first payment server generates a token associated with a first business identifier for identifying the first payment business and transmits the token to the mediation server;
4. The method according to claim 1, further comprising: stopping the payment processing when the payment token received from the first payment server and the payment token received from the second user terminal do not match with each other. 5. The settlement processing method according to any one of the above. The first user terminal used by the first user mediates a request for obtaining a payment token for performing payment using a first payment server managed by a first payment provider available to the first user. Sending to the server;
A step in which the intermediary server transmits a token associated with a first business operator identifier for identifying the first payment business operator to the first user terminal;
The first user terminal displaying a payment code generated based on the payment token;
A second user terminal transmitting payment information including a payment token obtained by reading the payment code and a payment amount to the mediation server;
The intermediary server acquiring the first business entity identifier associated with the payment token;
The intermediary server transmitting the payment token to the first payment server that has generated the payment token;
A step in which the first payment server authenticates the first user based on the payment token;
Payment processing method including. A request for acquiring a payment token for performing payment using a first payment server managed by a first payment provider available to the first user is received from a first user terminal used by the first user. Steps and
Transmitting, to the first user terminal, a token associated with a first business operator identifier for identifying the first payment business operator;
Payment information including a payment token obtained by reading the payment code from a second user terminal that has read the payment code generated by the first user terminal based on the payment token, and a payment amount. Receiving the
Transmitting the payment token to a first payment server that is a payment server of a payment company corresponding to the payment token;
Receiving information on payment approval based on the payment token from the first payment server;
Payment processing method including.

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