JP2020061038A - Information processing method, information processing device, and program - Google Patents

Abstract

To increase safety in payment.SOLUTION: An information processing device allows a first information processing terminal of a first user, who pays a bill using a code presented in a shop, to execute processing of receiving information on the code acquired by the first information processing terminal, and processing of the payment based on the information on the code.SELECTED DRAWING: Figure 4

Description

  The present disclosure relates to an information processing method, an information processing device, and a program.

  In recent years, as a payment method that does not use cash, a payment method using a code such as a barcode or a two-dimensional code is known (for example, see Patent Document 1). As this payment method, for example, a method is known in which a printed matter such as a two-dimensional code installed in a cash register of a store is read by a terminal of a user who makes a payment to perform payment.

  In this method, as compared to payment with a credit card or the like, it is not necessary to install a credit card reader or the like on the store side, so the installation cost on the store side can be reduced.

JP 2004-030167 A

  However, in the conventional technology, for example, a two-dimensional code or the like printed on a medium installed in a store may be replaced, or the medium may be replaced by a medium on which another two-dimensional code or the like is printed. There is a problem that there is. The present disclosure aims to provide a technique capable of improving the security of payment.

  The information processing apparatus according to an embodiment of the present disclosure is information on a code acquired by the first information processing terminal from a first information processing terminal of a first user who pays a price using a code presented at a store. And a settlement process based on the code information.

FIG. 1 is a diagram showing a configuration of a communication system according to an embodiment of the present disclosure. It is a figure which shows an example of the hardware constitutions of the server and terminal which concern on embodiment. It is a figure showing an example of a block diagram showing a functional composition of a server and a terminal concerning an embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 1st Embodiment. It is a figure explaining an example of company user information concerning a 1st embodiment. It is a figure explaining an example of user information concerning an embodiment. It is a figure explaining an example of the payment information concerning an embodiment. It is a figure explaining an example of operation at the time of reading a two-dimensional code etc. with a terminal concerning an embodiment. It is a figure showing an example of a display screen of a payer's terminal concerning a 1st embodiment. It is a figure showing an example of a display screen of a payer's terminal concerning a 1st embodiment. 6 is a flowchart illustrating an example of authentication processing based on position information according to the embodiment. It is a figure which shows an example of the display screen of the terminal of the original seller which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 1st Embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 2nd Embodiment. It is a figure which shows an example of the sequence of the process of the communication system which concerns on 2nd Embodiment. It is a figure explaining an example of company user information concerning a 2nd embodiment. It is a figure which shows an example of the display screen of the terminal of the user who requests payment. It is a figure which shows an example of the display screen of the terminal of the user who requests payment. It is a figure which shows an example of the display screen of the terminal of the user who requests payment. It is a figure showing an example of a display screen of a payer's terminal concerning a 1st embodiment. It is a figure showing an example of a display screen of a payer's terminal concerning a 1st embodiment.

<Legal compliance>
The disclosures described herein, when implemented, are performed in compliance with the laws of each country in which the disclosure is implemented. In addition, the disclosure described herein is implemented with all changes, substitutions, variations, alterations, and modifications that can be made by those skilled in the art, in order to comply with the laws of each country.

A mode for carrying out the code settlement according to the present disclosure will be described with reference to the drawings.
<System configuration>
FIG. 1 is a diagram showing a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A (an example of “first information processing terminal”), and the terminal 120B (“second information processing terminal”) via the network 130. , ”And the terminal 120C is connected.

  In the present disclosure, when it is not necessary to distinguish between the server 110A and the server 110B, the server 110A and the server 110B may be expressed as the server 110, respectively.

  In the present disclosure, when it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C are respectively the terminal 120 (an example of an “information processing terminal”). May be expressed.

  In the present disclosure, when it is not necessary to distinguish between the server 110 and the terminal 120, the server 110 and the terminal 120 may be respectively expressed as the information processing device 200. Note that the number of information processing devices 200 connected to the network 130 is not limited to the example of FIG.

  The server 110 provides a predetermined service to the terminal 120 used by the user via the network 130. The predetermined service includes, but is not limited to, a payment service, a financial service, an electronic commerce service, an SNS (Social Networking Service) typified by instant messenger, a content providing service such as music / video / book, and the like. When the user uses a predetermined service via the terminal 120, the server 110 can provide the predetermined service to one or more terminals 120.

  In the present disclosure, a payment service means a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy)) , WI-FI (registered trademark), ultrasonic communication, infrared communication, etc. (hereinafter, referred to as “two-dimensional code etc.” or “code”). In addition, the fact that the terminal 120A of the user (payer) who pays for the payment makes a payment by reading a two-dimensional code or the like is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”. The terminal 120A of the user who performs the operation displays a two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the terminal 120B of the user (seller, invoicer) such as the store side who requests the payment to make a payment. This is referred to as “store-readable code payment” or “CPM (Consumer Presented Mode)”.

  A terminal used by the user X (including a user who purchases a product and the like and a user who sells a product and the like) is referred to as a terminal 120X as necessary. In the following example, the terminal 120A is a terminal of a user A (an example of “first user”) who purchases a product or the like and pays the price, and the terminal 120B and the terminal 120C respectively receive the product or the like. It is assumed that the terminals are users B and C who sell and charge the price. Note that the accounts of the user B (an example of “second user”) and the user C are businesses (member stores) that operate real stores that are not online stores (hereinafter, simply referred to as “stores”). , An operator of a store), and may be previously authenticated by the operator of the server 110 for the operator of the store.

  In addition, user information in a predetermined service associated with the user X or the terminal 120X is expressed as user information X. Note that the user information is user information associated with an account used by the user in a predetermined service. The user information is, for example and without limitation, the user's name, user's icon image, user's age, user's gender, user's address, user's hobby, which is input by the user or given by a predetermined service. Information such as tastes, user identifiers, and other information associated with the user, electronic value (electronic money) balance information associated with the user, and credit card information (credit card number, etc.) associated with the user. Any one of them or a combination thereof may be used.

  The network 130 plays a role of connecting two or more information processing devices 200. The network 130 refers to a communication network that provides a connection path so that the terminal 120 can transmit and receive data after connecting to the server 110.

  One or more portions of network 130 may be wired or wireless networks. The network 130 is, by way of example and not limitation, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), a wireless. LAN (Wireless LAN: WLAN), wide area network (Wide Area Network: WAN), wireless WAN (Wireless WAN: WWAN), metropolitan area network (Metropolitan Area Network: MAN), part of the Internet, public switched telephone network (Public) Switched Telephone Network: Part of PSTN, mobile phone network, ISDNs (Integrated Service Digital Networks), wireless LANs, LTE (Long Term Evolution), CDMA (Code Division Multiple Access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, or It may include two or more combinations of these. Networks 130 may include one or more networks 130.

  The information processing device 200 may be any information processing device as long as it can realize the functions and / or methods described in the present disclosure.

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computing devices (eg, without limitation, PDA (Personal Digital Assistant), email clients, etc.), wearable terminals (eg, without limitation, eyeglass-type devices, Including clock-type devices), other types of computers, or communication platforms.
<Hardware (HW) configuration>
The HW configuration of the information processing device 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing device 200 according to the embodiment.

  The information processing device 200 includes a processor 201, a memory 202, a storage 203, an input / output interface (input / output I / F) 204, and a communication interface (communication I / F) 205. The components of the HW of the information processing device 200 are connected to each other via the bus B by way of example and not limitation.

  The information processing apparatus 200 realizes the functions and / or methods described in the present disclosure by the cooperation of the processor 201, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205. To do.

  The processor 201 executes a function and / or a method realized by a code or an instruction included in a program stored in the storage 203. The processor 201 is, by way of example and not limitation, a central processing unit (CPU), MPU (Micro Processing Unit), GPU (Graphics processing Unit), microprocessor (microprocessor), processor core (processor core), multiprocessor (multiprocessor). , ASIC (Application-Specific Integrated Circuit), FPGA (Field Programmable Gate Array), etc., and a logic circuit (hardware) formed in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)) or the like, Each processing disclosed in each embodiment may be realized by a dedicated circuit. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may be realized by a single integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration.

  The memory 202 temporarily stores the program loaded from the storage 203 and provides a work area to the processor 201. The memory 202 also temporarily stores various data generated while the processor 201 executes the program. The memory 202 includes, for example and without limitation, a RAM (Random Access Memory), a ROM (Read Only Memory), and the like.

  The storage 203 stores the program. The storage 203 includes, for example and without limitation, a HDD (Hard Disk Drive), an SSD (Solid State Drive), a flash memory, and the like.

  The communication I / F 205 transmits and receives various data via the network 130. The communication may be performed by wire or wireless, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 205 has a function of performing communication with other information processing devices via the network 130. The communication I / F 205 transmits various data to another information processing device according to an instruction from the processor 201. Further, the communication I / F 205 receives various data transmitted from another information processing device and transfers the data to the processor 201.

  The input / output I / F 204 includes an input device that inputs various operations on the information processing device 200, and an output device that outputs a processing result processed by the information processing device 200. In the input / output I / F 204, an input device and an output device may be integrated, or an input device and an output device may be separated.

  The input device is realized by any of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, for example and without limitation, a touch panel, a touch display, a hardware key such as a keyboard, a pointing device such as a mouse, a camera (operation input via an image), and a microphone (operation input by voice).

  The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. In the case of outputting the processing result as a video and / or a moving image, the output device may be any one or all of the devices capable of displaying the display data according to the display data written in the frame buffer. It is realized by combination. Examples of the output device include, but are not limited to, a touch panel, a touch display, a monitor (for example, without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, and a hologram. , A device capable of displaying images, text information, etc. in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying display data in 3D.

  The program of each embodiment of the present disclosure may be provided in a state of being stored in a computer-readable storage medium. The storage medium can store the program on a “non-transitory tangible medium”. Programs include, by way of example and not limitation, software programs and computer programs.

  The storage medium is, where appropriate, one or more semiconductor-based or other integrated circuits (ICs) such as, but not limited to, field programmable gate arrays (FPGAs), application specific ICs (ASICs), etc. ), Hard disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic It may include tape, solid state drive (SSD), RAM drive, secure digital card or drive, any other suitable storage medium, or any suitable combination of two or more thereof. Storage media may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate.

  Further, the program of the present disclosure may be provided to the information processing device 200 via any transmission medium (communication network, broadcast wave, or the like) capable of transmitting the program.

  Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave in which a program is embodied by electronic transmission.

  It should be noted that the program of the present disclosure is implemented using a script language such as JavaScript (registered trademark), Python, C language, Go language, Swift, Koltin, Java (registered trademark), etc., as an example and not by way of limitation.

  At least a part of the processing in the information processing device 200 may be realized by cloud computing including one or more computers.

  At least a part of the processing in the information processing device 200 may be performed by another information processing device. In this case, at least part of the processing of each functional unit realized by the processor 201 may be configured to be performed by another information processing device.

<Other>
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. You may.

  In this disclosure, the use of "or" is inclusive rather than exclusive, unless explicitly stated otherwise or indicated by context. Thus, in this disclosure, "A or B" means "A, B, or both," unless stated otherwise or indicated by context. Further, "at least one of A and B" means "A, B, or both". Further, unless stated otherwise, or indicated by context, "a", "an", or "the" shall mean "one or more." Thus, herein, "an A" or "the A" means "one or more A," unless otherwise specified or indicated by context.

  This disclosure includes all changes, substitutions, variations, alterations, and modifications to the embodiments and / or examples of the present disclosure that can be made by those skilled in the art. Similarly, where appropriate, the appended claims cover all changes, substitutions, variations, alterations, and modifications to the embodiments and / or examples of the present disclosure that can be made by those skilled in the art. Include. Further, the disclosure is one or more features of the embodiments and / or examples in the present disclosure and other embodiments and / or examples of the present disclosure that can be made by those skilled in the art. Includes any combination of one or more features.

  In addition, a device or system or a component of a device or system adapted, arranged, capable, configured, usable, operable, or operable to perform a particular function. References in the appended claims to that device, system, or component are so adapted, arranged, capable, configured, enabled, enabled Device, system, component, whether the device, system, component or its particular features are activated, turned on, or unlocked, as long as the device, system, component is activated or unlocked.

  Unless otherwise specified, the present disclosure may obtain consent from a user before or immediately before implementing any of the embodiments or examples. Further, the consent to be obtained may be comprehensive or may be obtained each time.

<First Embodiment>
In the conventional technology, for example, the two-dimensional code or the like printed on the medium installed in the store may be replaced, or the medium may be replaced by another medium on which another two-dimensional code or the like is printed. . In this case, for example, there is a possibility that a well-meaning business operator may be made into a bad-faith business operator by playing a trick such as replacing a two-dimensional code installed in a store or the like.

  In the first embodiment, when payment is made using a two-dimensional code or the like installed in a cash register of a store, the positional information of the user A who pays the price is associated with the two-dimensional code or the like. It is an embodiment in which authentication is performed based on position information. According to the first embodiment, the security of payment can be improved. For example, it is possible to prevent illegal payment due to mischief or the like for replacing a two-dimensional code installed in a store or the like. In addition, since the settlement security can be improved, the load of the terminal 120A and the server 110 and the load of the network between the terminal 120A and the server 110 can be reduced.

<Functional configuration of the first embodiment>
The functional configuration of the server 110 and / or the terminal 120 will be described with reference to FIG. FIG. 3 is a diagram showing an example of a block diagram showing a functional configuration of the server 110 and the terminal 120 according to the embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of the processor 201 included in the information processing apparatus 200, the memory 202, the storage 203, the input / output I / F 204, and the communication I / F 205.

(1) Functional configuration of server
The server 110 includes a reception unit 311, a transmission / reception unit 312, a control unit 313, and a storage unit 314. The reception unit 311 receives various setting operations and the like from a business operator (administrator) who operates the server 110.

  The transmission / reception unit 312 transmits / receives data to / from the terminal 120 or the like according to an instruction from the control unit 313. The transmission / reception unit 312 connects a session for communication using HTTPS or the like with the terminal 120 when the user of the terminal 120 is authenticated by the user ID and password included in the login request from the terminal 120, for example. . Then, the communication address of the terminal 120, the user ID, and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the terminal 120 using the connected communication session.

  The control unit 313 performs a process of providing services such as a payment service, a financial service, and an electronic commerce service to the user of the terminal 120. The control unit 313 performs authentication, for example, based on the position information of the user A who pays the price and the position information associated with the two-dimensional code. Then, if the authentication is successful, the control unit 313 enables payment by the payment service.

  The storage unit 314 stores business user information 3141 including information on a user who is a business operator of the store, user information 3142 including information about a payer user, and payment information 3143 including information about payment of the price.

(2) Functional configuration of the terminal
The terminal 120 includes a reception unit 321, a transmission / reception unit 322, a position information measurement unit 323, a control unit 324, and a storage unit 325. The reception unit 321 receives various operations and the like from the user of the terminal 120.

  The transmission / reception unit 322 transmits / receives data to / from the server 110 or the like according to an instruction from the control unit 324. The transmission / reception unit 322 connects a session for communication with the server 110 using HTTPS or the like when logging in to the server 110, for example. Then, the communication address of the server 110 and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the server 110 using the connected communication session.

  The position information measuring unit 323 has a function of measuring the position information of the current position of the terminal 120. The position information measuring unit 323 measures the latitude and longitude of the terminal 120 as position information of the current position of the terminal 120 by using, for example and without limitation, a GPS (Global Positioning System). The position information measuring unit 323 may measure the position information of the terminal 120 by any method as long as the position information of the terminal 120 can be measured. As an example and not by way of limitation, the position information measuring unit 323 may be an IMES (Indoor Messaging System), a Wi-Fi (wireless LAN), an RFID (Radio Frequency Identification), an NFC (Near Field Communication), a BLE (Blue) or a blue (Blue) blue. The location information of the terminal 120 may be measured using short-range wireless communication such as sound waves, mobile communication systems such as LTE and CDMA, and the like.

  The control unit 324 performs a process of using services such as a payment service, a financial service, and an electronic commerce service provided by the server 110.

  The storage unit 325 stores information for using the payment service provided by the server 110.

<Processing of First Embodiment>
An example of processing of the communication system 1 according to the first embodiment will be described with reference to FIGS. 4 to 6A. FIG. 4 is a diagram showing an example of a processing sequence of the communication system 1 according to the first embodiment. FIG. 5A is a diagram illustrating an example of company user information 3141 according to the first embodiment. FIG. 5B is a diagram illustrating an example of the user information 3142 according to the embodiment. FIG. 5C is a diagram illustrating an example of the payment information 3143 according to the embodiment. FIG. 6 is a diagram illustrating an example of an operation when reading a two-dimensional code or the like on the terminal 120A according to the embodiment. 7A and 7B are diagrams showing an example of a display screen of the payer's terminal 120A according to the first embodiment.

  In the example of FIG. 4, an example in which the payment amount (payment amount) is received after the authentication based on the position information will be described. It is assumed that the terminal 120A and the terminal 120B are authenticated by the server 110 using the accounts of the user A and the user B, respectively, when communicating with the server 110.

≪Process when issuing 2D code, etc.≫
In step S1, the terminal 120B receives, from the user B, an operation for causing the server 110 to issue a two-dimensional code or the like for presenting to the customer in a store such as a retail store.

  Subsequently, the terminal 120B transmits a code issuance request including the position information of the user B (position information of the actual store of the user B) and the like to the server 110 (step S2). Here, the control unit 324 of the terminal 120B may use the current position information of the terminal 120B measured by the position information measuring unit 323 of the terminal 120B as the position information of the user B, or the user B specified by the user B. The location information such as the address of the store may be the location information of the user B.

  Subsequently, the server 110 generates information such as a two-dimensional code (step S3). Here, the server 110 may generate an image such as a two-dimensional code including information such as identification information (QRID, hereinafter also referred to as “code ID”) such as a two-dimensional code, or a two-dimensional code. Information such as a code ID to be included in the above may be generated. The server 110 may generate a code ID including a value generated based on the current time and the business user ID of the user B, for example.

  Subsequently, the server 110 stores the received position information and the generated information such as the two-dimensional code in the business user information 3141 in association with each other (step S4).

(Business user information 3141)
In the example of FIG. 5A, the business user information 3141 stores the business user name and the like in association with the business user ID. Further, the store name, the settlement account, the address, the position information, the code ID, and the like are stored in association with the business user ID and the store ID. The business operator user ID is identification information of a user who is a business operator who sells a product or service at an actual store. The business operator user name is the name of the user who is the business operator. The store ID is identification information of each store owned by the business operator. The store name is the name of the store associated with the store ID. The settlement account is the settlement account of the store. The settlement account may be, for example, a bank account for depositing money when the price paid by the purchaser of the product etc. is remitted by the business operator who operates the server 110. The address is the address of the store.

  The position information is the position information received by the process of step S2. The code ID is identification information such as the two-dimensional code generated in the process of step S3.

  It should be noted that the server 110, for example, when opening an account of a business operator of a store in the server 110, the information of the business operator user name, the shop name, the settlement account, and the address input from the business operator is used by the business operator. It may be stored in the user information 3141. Note that the business operator who operates the server 110 may confirm whether or not the store with the store name actually exists at the address based on, for example, map information, real estate registry information, website information, or the like.

  Then, in the processing of step S4, the position information and the code ID are stored in the business operator user information 3141. At this time, the server 110 may confirm whether or not the position information of the address registered in the business user information 3141 and the position information received by the process of step S2 substantially match.

  Then, the server 110 transmits information such as the generated two-dimensional code to the terminal 120B (step S5). Here, the two-dimensional code or the like may include information such as the code ID described above.

  Subsequently, the terminal 120B outputs a two-dimensional code or the like based on the received information (step S6). Here, the terminal 120B may cause the printer to print the two-dimensional code and the like in response to the operation of the user B, for example. Alternatively, the terminal 120B may display the two-dimensional code or the like on the screen.

≪Processing at the time of payment≫
Next, the user A who is the payer, for example, takes the merchandise he / she wants to purchase at the store to the cashier, and as shown in FIG. 6, prints the printed matter 602 of the two-dimensional code 601 and the like placed at the cashier on the terminal 120A. Take a picture with the camera. Subsequently, the terminal 120A reads the output information such as the two-dimensional code in response to the operation of the user A (step S7). Here, the terminal 120A reads the image information such as the code ID or the two-dimensional code as the information such as the two-dimensional code.

  Subsequently, the terminal 120A acquires the position information of the user A (step S8). Here, the control unit 324 of the terminal 120A acquires the current position information of the terminal 120A measured by the position information measuring unit 323 of the terminal 120A.

  Subsequently, the terminal 120A transmits an authentication request including information such as a two-dimensional code and the position information of the user A to the server 110 (step S9). Here, the terminal 120A transmits an authentication request including information such as the code ID extracted from the image such as the two-dimensional code captured in the process of step S7 and the position information acquired in the process of step S8 to the server 110. Good.

  Alternatively, the terminal 120A may include the information of the image captured in the process of step S7 in the authentication request and transmit the authentication request. In this case, the terminal 120A, in the processing of step S7 and step S8, when the two-dimensional code or the like is photographed by the camera, the position information of the terminal 120A at the time of photographing is meta-imaged according to a format such as Exif (Exchangeable image file format). Image data (image file) included as data may be generated and stored. Thereby, in the processing of steps S7 and S8, for example, the camera photographing function provided by the OS (Operating System) of the terminal 120A can be used.

  Subsequently, the server 110 performs authentication based on the position information (step S10). This authentication processing will be described later. The following describes the processing when the authentication is successful. Then, the server 110 returns a response indicating that the authentication is successful to the terminal 120A (step S11).

  Subsequently, the terminal 120A displays the payment screen when the payment amount is input (step S12). In the example of FIG. 7A, the terminal 120A displays a payment amount input field 702, a numerical input software keyboard 703, and a “pay” button 704 on the display screen 701 for inputting the payment amount.

  Subsequently, the terminal 120A receives a payment operation from the user A (step S13). Here, the terminal 120A receives an operation of inputting a payment amount, which is the price of a product or the like. In the example of FIG. 7A, the terminal 120A accepts the input of “780” yen as the payment amount by pressing the software keyboard 703 and the pressing operation of the “pay” button 704.

  Subsequently, the terminal 120A transmits a settlement request to the server 110 (step S14). Here, the terminal 120A transmits a payment request including the payment amount information and the information such as the two-dimensional code.

  Then, the server 110 executes a payment process (step S15). Here, the server 110 subtracts the settlement amount from the balance of the user stored in the user information 3142 of FIG. 5B. In the example of FIG. 5B, the user information 3142 stores a user name, a balance, and the like in association with the user ID. The user ID is identification information of the user. The user name is the name of the user.

  The balance is a balance of the amount of money that the user can use for payment. The balance may include the amount of money that the user has deposited in the server 110 (held balance). The holding balance may include, for example, the price of the product or the like when the user sells the product or the like using the electronic commerce service provided by the server 110. In addition, for example, the amount charged using a bank, a credit card, a cash register at a store, or the like may be included.

  Further, the balance may include the amount of money (borrowable balance) that the user can borrow from the business operator who operates the server 110. The borrowable balance is, for example, from the upper limit amount (borrowing limit amount) of the amount of money that can be borrowed in a predetermined period (for example, one month), the total amount of money borrowed by the user for each settlement in the predetermined period ( It may be the amount obtained by subtracting the borrowing amount).

  Then, the server 110 stores various kinds of information related to the current payment in the payment information 3143 of FIG. 5C. In the example of FIG. 5C, the payment information 3143 stores the payment date and time, the purchaser user ID, the seller user ID, and the payment amount in association with the payment ID. The payment ID is identification information of the payment related to the payment request received by the process of step S14. The payment date and time is the date and time when the payment was made. The server 110 may use, for example, the date and time when the settlement request is received or the date and time when the terminal 120A transmits the settlement request as the settlement date and time.

  The user ID of the purchaser is the user ID of the user who purchases the product or the like and pays the price. The user ID of the seller is the operator user ID of the operator who sells the product or the like and bills the price. The settlement amount is the amount to be paid in this settlement, which is designated by the settlement request.

  Note that the server 110, for example, when the predetermined number of days (for example, 3 days) have passed from the payment or at a predetermined timing such as the end of the month, sets the payment amount specified in the payment request to the business user information in FIG. 5A. Withdrawal to the settlement account of user B stored in 3141. The server 110 may store the total amount (sales) of the paid price for each predetermined period. The sales may be stored in association with any one of the business operator user ID, the business operator user name, the shop ID, and the code ID.

  Subsequently, the server 110 transmits a notification indicating that the payment process is completed to the terminal 120A (step S16). Subsequently, the terminal 120A displays on the screen that the payment process is completed (step S17). In the example of FIG. 7B, the terminal 120A displays a business operator user name 712, a store name 713, a payment amount 714, and a message 715 indicating the payment completion on the display screen 711 that displays the payment completion.

<Authentication Processing Based on Position Information of First Embodiment>
Next, with reference to FIG. 8, an example of the authentication process based on the position information by the server 110 in step S10 of FIG. 4 will be described. FIG. 8 is a flowchart showing an example of the authentication process based on the position information according to the embodiment. FIG. 9: is a figure which shows an example of the display screen of terminal 120C of the original seller which concerns on 1st Embodiment.

  In step S101, the server 110 acquires the position information of the user A. Here, the server 110 acquires the position information included in the authentication request received from the terminal 120A. The server 110 may receive the image data in which the two-dimensional code or the like is captured from the terminal 120A and extract the position information included in the metadata of the received image data.

  Subsequently, the server 110 refers to the business user information 3141 and acquires the position information of the user B associated with the code ID received from the terminal 120A (step S102).

  Subsequently, the server 110 performs authentication based on the position information of the user A received from the terminal 120A and the position information of the user B stored in the business user information 3141, and determines whether the authentication is successful. The determination is made (step S103). Here, for example, the server 110 determines whether or not the position of the user A and the position of the user B match (generally match). If they match, the authentication is successful, and if they do not match, the authentication is unsuccessful. When the position information includes latitude and longitude information, the server 110 determines that they match if the distance between the position of the user A and the position of the user B is within a predetermined threshold (for example, 100 m), and If the distance is not within the predetermined threshold, it may be determined that they do not match.

  When the authentication is successful (YES in step S103), the server 110 returns a notification of the authentication success to the terminal 120A (step S104), and ends the authentication process.

  When the authentication has failed (NO in step S103), the server 110 returns a notification of the authentication failure to the terminal 120A (step S105). In this case, the terminal 120A displays or outputs a message indicating that the authentication has failed by voice. Further, the server 110 may send a notification of authentication failure to the terminal 120B, and may cause the terminal 120B to display or output a message indicating that authentication has failed.

  Subsequently, the server 110 refers to the business user information 3141 and extracts the user C whose position matches that of the user A (step S106). Here, the server 110 may each determine whether or not the position of the user A and the position of each of the other users match by the same determination method as in the process of step S103.

  Subsequently, the server 110 transmits a notification that the authentication has failed to the terminal 120C of the user C (step S107), and ends the authentication process. Thereby, when the printed matter such as the two-dimensional code installed in the store of the user C is illegally replaced by the printed matter such as the two-dimensional code associated with the user B, the business operator of the store concerned It is possible to notify the user C of that fact.

  Then, the terminal 120C displays a display screen 901 shown in FIG. 9 or the like to display or output a message indicating that the authentication has failed by voice. It is assumed that the user C has logged in to the server 110 using the terminal 120C.

  In the example of FIG. 9, the server 110 performs the process of step S107, and a message 902 indicating that the terminal 120C has failed in authenticating the two-dimensional code or the like presented in the store, including the user name of the user C and the store name. Is displayed. Further, the server 110, the date and time 903 when the authentication request is made, the name 904 of the user A of the terminal 120A that has transmitted the authentication request, the settlement amount 905, the name 906 of the user B, the illegal replacement or replacement of the two-dimensional code, etc. A message 907 prompting confirmation of whether or not is displayed. The date and time 903 when the authentication request is made may be, for example, the date and time when the server 110 receives the authentication request and the date and time when the terminal 120A transmits the authentication request. By notifying the user 903 of the date and time 903 when the authentication request is made, the user C can confirm, for example, the image captured before the date and time 903 among the images captured by the security cameras installed in the store. This makes it possible to confirm a person who has made an illegal substitution.

<Process of First Embodiment (another example)>
Next, another example of the processing of the communication system 1 according to the first embodiment will be described with reference to FIG. FIG. 10 is a diagram showing an example of a processing sequence of the communication system 1 according to the first embodiment. In FIG. 4, the example in which the terminal 120A accepts the input of the payment amount from the user A after the successful authentication has been described. In FIG. 10, an example in which the terminal 120A requests the authentication after receiving the input of the payment amount from the user A will be described. Thereby, as in the example of FIG. 4, for example, security of payment can be improved.

≪Process when issuing 2D code, etc.≫
In step S201, the terminal 120B receives from the user B an operation for causing the server 110 to issue a two-dimensional code or the like for presenting to the customer in a store such as a retail store. Then, the terminal 120B transmits a code issuance request including the position information and the like of the user B to the server 110 (step S202). Then, the server 110 produces | generates information, such as a two-dimensional code (step S203). Subsequently, the server 110 stores the received position information and the generated information such as the two-dimensional code in the business operator user information 3141 in association with each other (step S204). Subsequently, the server 110 transmits information such as the generated two-dimensional code to the terminal 120B (step S205). Subsequently, the terminal 120B outputs a two-dimensional code or the like based on the received information (step S206).

≪Processing at the time of payment≫
Then, the terminal 120A reads the output information such as the two-dimensional code (step S207). Subsequently, the terminal 120A acquires the position information of the user A (step S208). The processing of steps S201 to S208 may be the same as the processing of steps S1 to S8 of FIG. 4, respectively.

  Subsequently, the terminal 120A displays the payment screen when the payment amount is input (step S209). Subsequently, the terminal 120A receives a payment operation from the user A (step S210). Here, the terminal 120A receives an operation of inputting a payment amount, which is the price of a product or the like. The processes of steps S209 to S210 may be the same as the processes of steps S12 to S13 of FIG. 4, respectively.

  Subsequently, the terminal 120A transmits an authentication and settlement request including the settlement amount information, the information such as the two-dimensional code, and the position information of the user A to the server 110 (step S211). Note that this process may be the same as steps S9 and S14 in FIG.

  Subsequently, the server 110 performs authentication based on the position information (step S212). Note that this process may be similar to the process of step S10 of FIG. The following describes the processing when the authentication is successful.

  Then, the server 110 executes a payment process (step S213). Subsequently, the server 110 transmits a notification indicating that the payment process is completed to the terminal 120A (step S214). Subsequently, the terminal 120A displays on the screen that the payment process is completed (step S215). The processing of steps S213 to S215 may be the same as the processing of steps S15 to S17 of FIG. 4, respectively.

  Hereinafter, an example of the process in the first embodiment will be described. The processing of each of the following embodiments can be executed in combination with the processing of other embodiments.

<< First Example >>
The first example is an example in which the position information of the user B is updated at a predetermined timing. According to the first embodiment, it is possible to improve the security of settlement even in the case of mobile sales in which sales are carried out at a plurality of places using a mobile sales vehicle, a stall, or the like.

<< Processing of First Example >>
In the first embodiment, after performing the processing from step S1 to step S6 in FIG. 4, the terminal 120B responds to the operation of the user B, or at the timing such as periodically, at the current timing of the terminal 120B. The position information is acquired and the position information is transmitted to the server 110.

  Then, the server 110 updates the position information associated with the user B in the business user information 3141 of FIG. 5A to the received position information. It should be noted that the terminal 120B may be configured to allow the operation of the user B to set whether or not to update the position information of the user B at regular timings.

<< Second Example >>
In the second embodiment, as position information, instead of or in addition to latitude and longitude, for example, identification information (beacon ID, SSID, etc.) of an external device such as a beacon installed near a cash register of a store. This is an example using Cell ID) or the like. According to the second embodiment, for example, the security of payment can be improved.

<< Process of Second Embodiment >>
In the second embodiment, the operation of inputting the ID of the external device (external device ID) is also received from the user B in the process of step S1 of FIG. The external device may be, for example, a beacon installed near a cash register of a store, an access point of a wireless LAN, a base station of a small cell of a mobile phone network, or the like. That is, as the external device ID, a beacon ID of a beacon, an ID of an access point of a wireless LAN (SSID, Service Set IDentifier), or an ID (Cell ID) of a base station of a mobile phone network such as 3G, LTE, or 5G is used. May be included.

  Then, in the process of step S2, a code issuance request including the external device ID designated by the user B as the position information of the user B is transmitted to the server 110.

  Then, after performing the processing of steps S3 to S6, the following processing is performed in the processing of reading information such as the two-dimensional code in step S7. First, when the user A carrying the terminal 120A moves to the vicinity of the cash register, the terminal 120A transmits a radio signal including information such as the external device ID from the external device installed near the cash register in the near field communication. Etc. to receive. When the terminal 120A receives the external device IDs from a plurality of external devices within a predetermined time (for example, 5 seconds), the terminal 120A receives the external device having the highest received signal strength indication (RSSI). The following processing may be performed on the external device ID. Thereby, for example, even if there are a plurality of cash registers in the vicinity of the user A and a plurality of external devices are installed in the vicinity of each cash register, the cash registers are installed in the vicinity of the cash register of the nearest store to the user A. The detected ID of the external device can be detected.

  Then, the terminal 120A displays a notification indicating that the signal from the external device has been received. Here, the terminal 120A may display a message indicating that a signal from the external device has been received by a banner or the like by using, for example, the notification function provided by the OS. Then, when the notification display area is pressed by the user A, the terminal 120A may activate a payment application and display a screen for capturing a two-dimensional code or the like. This makes it easier for the user A to photograph the two-dimensional code or the like.

  Then, in the process of step S8, the terminal 120A sets the received external device ID as the position information of the user A. Then, the processing from step S9 to step S17 is performed. In this case, when the authentication of the process of step S103 of FIG. 8 is performed in the process of step S10, the server 110 determines that the external device ID associated with the user A matches the external device ID associated with the user B. It is determined whether or not to perform. If they match, the authentication is successful, and if they do not match, the authentication fails.

<< Third Example >>
In the third embodiment, the server 110 deposits at least a part of the payment made using the two-dimensional code or the like, and the user B who is the seller updates the two-dimensional code or the like to be presented at the store. Then, it is an embodiment in which the deposited money can be withdrawn to the user B. According to the third embodiment, for example, the user B can be prompted to update the two-dimensional code or the like presented at the store. Therefore, even if the two-dimensional code or the like is replaced, the regular two-dimensional code or the like can be installed in the store when the withdrawal is made.

<< Processing of Third Embodiment >>
It is assumed that the settlement by the user A or the like is completed by the processing of steps S1 to S17 of FIG. In this case, the payment information is managed by the payment information 3143 of FIG. 5C, and the business operator who operates the server 110 is in a state of temporarily depositing the payment for the payment.

  In the third embodiment, for example, the server 110 withdraws the payment for the payment temporarily held when a predetermined number of days (for example, 3 days) have passed from the payment or at a predetermined timing such as the end of the month. It is in a waiting state.

  Then, when the processing of steps S1 and S2 of FIG. 4 is performed again by the terminal 120B, the server 110 performs the processing of step S3 of FIG. 4 again to generate information such as a new two-dimensional code. .

  Then, the server 110 performs the process of step S4 of FIG. 4 again, and associates the received position information and the information such as the newly issued two-dimensional code with the business user ID of the user B, and the business user Information 3141 is stored. As a result, the server 110 invalidates the previously issued information such as the two-dimensional code, and thereafter disables the settlement using the two-dimensional code. The information such as the two-dimensional code issued previously may be invalidated immediately or after a predetermined period (for example, one month) has elapsed. As a result, even if there are many previously issued two-dimensional codes, it is possible to flexibly deal with them. Then, the server 110 withdraws the payment value of the temporarily deposited payment, which is in the payment waiting state, to the payment account of the user B stored in the business user information 3141 of FIG. 5A. .

<Second Embodiment>
The second embodiment is an embodiment in which the display mode of the display screen displayed on the terminal 120A at the time of payment is determined based on a two-dimensional code or the like.

  According to the second embodiment, the user A who is a payer and the user B who is a clerk of a store can recognize that the two-dimensional code or the like has been replaced, based on the display mode of the payment screen of the terminal 120A. Therefore, the security of payment can be improved. In addition, since the number of times the terminal 120 communicates with the server 110 can be reduced by preventing illegal payment, the load on the terminal 120 or the server 110 and the network load between the terminal 120 and the server 110 can be reduced as a result. The effect of being able to be obtained is obtained.

  The functions of the server 110 and the terminal 120 according to the first embodiment and the functions of the server 110 and the terminal 120 according to the second embodiment can be appropriately combined and used. That is, the server 110 and the terminal 120 of the present disclosure may have both the function described in the first embodiment and the function described in the second embodiment.

<Functional configuration of the second embodiment>
The functional configurations of the server 110 and the terminal 120 according to the second embodiment may be the same as the functional configurations of the server 110 and the terminal 120 according to the first embodiment illustrated in FIG. The business operator user information 3141A stored in the storage unit 314 of the server 110 according to the second embodiment stores the information of the display mode described later, as compared with the business operator user information 3141 according to the first embodiment.

<Processing of Second Embodiment>
Processing of the communication system 1 according to the second embodiment will be described with reference to FIGS. 11A to 14B. FIG. 11 is a diagram showing an example of a processing sequence of the communication system 1 according to the second embodiment. FIG. 12 is a diagram illustrating an example of company user information 3141A according to the second embodiment. 13A to 13C are diagrams showing an example of a display screen of the terminal B of the user B who requests the payment. 14A and 14B are diagrams showing an example of a display screen of the payer's terminal 120A according to the second embodiment.

≪Process when issuing 2D code, etc.≫
In step S301, the terminal 120B receives a setting operation regarding the position information of the user B from the user B. Here, the terminal 120B displays, for example, the display screen 1301 of FIG. 13A and accepts the setting regarding the position information of the user B. In the example of FIG. 13A, the terminal 120B displays a “set position information manually” button 1302, a “set current position information” button 1303, and a “always update with current position information” button 1304. When the “manually set position information” button 1302 is pressed, the terminal 120B displays, for example, a screen such as a map for specifying position information such as a store address, and allows the user B to input position information. Accept. When the “set current position information” button 1303 is pressed, the terminal 120B sets the current position information of the terminal 120B as the position information of the user B. When the “Always update with current position information” button 1304 is pressed, the terminal 120B determines the current position of the terminal 120B at regular timings as in the first example of the first embodiment described above. Information is acquired and the position information is set to be transmitted to the server 110.

  Then, the terminal 120B transmits the information set regarding the positional information of the user B to the server 110 (step S302). Subsequently, the server 110 determines a display mode that can be used by the user B at the present time with respect to the position information and the like of the user B (step S303). Here, the server 110 refers to the business operator user information 3141A in FIG. 12 and determines a unique display mode within a predetermined range including the position of the user B (for example, within a radius of 100 m centered on the position). .

(Business user information 3141A)
In the example of FIG. 12, the business user information 3141A is further compared with the business user information 3141 of FIG. 5A, and further associated with the business user ID, the display mode when the payment amount is input, and the payment completion time. The display mode information is stored. The display mode at the time of inputting the payment amount is a display mode of a display screen displayed on the terminal 120 of the user of the payer when receiving the input of the payment amount. The display mode when the payment is completed is a display mode of a display screen displayed on the terminal 120 of the user of the payer when the payment is completed.

  In the process of step S303, the server 110 performs the following process, for example. First, the server 110 extracts each of the other business operator user IDs located within a predetermined range including the location of the user B. Then, the server 110 excludes the display mode at the time of inputting the payment amount associated with each of the extracted business operator users from the display mode at the time of inputting the payment amount usable by the user B. In addition, the server 110 excludes the display mode at the time of payment completion associated with each of the extracted business operator users from the display mode at the time of payment completion that can be used by the user B. Here, if the display mode at the time of completion of payment associated with the user C who is the extracted business user is the display mode in which the background is displayed in red, the server 110 sets the display mode to the user B, for example. Is excluded from the usable display modes when the settlement is completed.

  Thereby, for example, even when a malicious user requests the server 110 to issue a two-dimensional code or the like, the location of the store of the user B is input, or the issuing operation is performed in the store of the user B. The display mode of the display screen displayed on the terminal 120A at the time of payment can be made unique. Therefore, if the display mode of the terminal 120A that is displayed to the clerk or the like from the user A at the time of payment is different from usual, the clerk can be aware of the replacement of the two-dimensional code or the like, and thus the illicit payment can be prevented. Further, a business operator such as a store can select a desired display mode from a relatively large number of display modes by registering in the server 110 before registering with other business operators having the same theme color and the like.

  Subsequently, the server 110 transmits, to the terminal 120B, a notification of a display mode that the user B can use when the payment amount is input and a display mode that the user B can use when the payment is completed (step S304). Subsequently, the terminal 120B accepts an operation of designating the display mode when the payment amount is input (step S305). Here, the terminal 120B first displays, for example, the display screen 1311 of FIG. 13B and accepts an operation of designating the type of display mode. In the example of FIG. 13B, the terminal 120B displays a “background color” button 1312, a “background image” button 1313, an “animation” button 1313, and a “notification sound” button 1314. When the “background color” button 1312 is pressed by the user B while the display screen 1311 of FIG. 13B is displayed, the terminal 120B displays the display screen 1311 of FIG. 13C, and the background color available to the user B. Accept the operation to specify. In the example of FIG. 13C, the terminal 120B displays the terms 1322B to 1327B indicating the availability of the colors 1322A to 1327A, respectively, so that the unavailable colors 1324A and 1326A cannot be selected.

  Similarly, when the terminal 120B presses the “background image” button 1313, the “animation” button 1313, and the “notification sound” button 1314 while the display screen 1311 of FIG. 13B is being displayed, The terminal 120B receives an operation of designating a background image, animation, and notification sound that the user B can use. Thereby, the terminal 120B accepts the setting of the name of the user B who is the business operator of the store, the trademark of the user B, the image showing the user B, and the like, for example, as a background image, animation, notification sound, or the like. The trademark of the user B is, for example, an identification mark used by the user B to distinguish the product / service handled by the user B from those of others (other companies), and for example, characters, figures, symbols, colors, and sounds. And the like may be included. Further, the image showing the user B may include, for example, an image of the mascot character of the user B or the like.

  Subsequently, the terminal 120B accepts an operation of designating a display mode when the payment is completed (step S306). Here, the terminal 120B may accept an operation of designating a display mode at the time of completion of payment, for example, on the display screen similar to the process of step S305.

  Subsequently, the terminal 120B receives from the user B an operation for causing the server 110 to issue a two-dimensional code or the like for presenting to the customer in a store such as a retail store (step S307). Subsequently, the terminal 120B transmits a code issuance request including the display mode at the time of inputting the payment amount designated by the user B, the display mode at the time of completion of the payment, and the position information of the user B to the server 110 (step S308). .

  Subsequently, the server 110 determines whether or not each display mode designated by the user B is usable (step S309). Here, if the display mode designated by the user B includes a trademark of another person, the server 110 determines that the display mode is unusable, for example, using AI (Artificial Intelligence). Good.

  When it is determined that it is not available, the server 110 transmits a notification of unavailable to the terminal 120B. Then, the terminal 120A outputs a message to that effect in a display or voice, and displays a display screen for resetting the display mode determined to be unusable.

  The case where the server 110 determines that the server 110 is available will be described below. Subsequently, the server 110 generates information such as a two-dimensional code (step S310). Note that this process may be similar to the process of step S3 in FIG.

  Subsequently, the server 110 stores the received position information, the generated information such as the two-dimensional code, and the received information of each display mode in the operator user information 3141A in association with each other (step S311).

  The processes of steps S312 to S317 described below may be the same as the processes of steps S5 to S10 of FIG. 4, respectively. Subsequently, the server 110 transmits information such as the generated two-dimensional code to the terminal 120B (step S312). Then, the terminal 120B outputs a two-dimensional code or the like based on the received information (step S313).

≪Processing at the time of payment≫
Subsequently, the terminal 120A reads the output information such as the two-dimensional code in response to the operation of the user A (step S314). Subsequently, the terminal 120A acquires the position information of the user A (step S315).

  Subsequently, the terminal 120A transmits an authentication request including information such as a two-dimensional code and the position information of the user A to the server 110 (step S316). Then, the server 110 performs authentication based on the position information (step S317). The authentication based on the position information is not essential. The following describes the processing when the authentication is successful.

  Subsequently, the server 110 returns a response indicating that the authentication is successful to the terminal 120A (step S318). Here, the server 110 refers to the enterpriser user information 3141A of FIG. 12, and includes the information of the display mode at the time of the payment amount input, which is associated with the user B, in the response and transmits it to the terminal 120A. The information on the display mode when the payment amount is input may include the name of the user B who is the business operator of the store, the trademark of the user B, an image showing the user B, and the like, which are designated by the user B. .

  Subsequently, the terminal 120A displays the payment screen (payment input screen) when the payment amount is input based on the received display mode information when the payment amount is input (step S319). Here, the terminal 120A displays the display screen 1401 of FIG. 14A. The example of FIG. 14A is different from the example of FIG. 7A in that the background image 1402 is displayed.

  Note that the processes of steps S320 to S322 described below may be the same as the processes of steps S13 to S15 of FIG. 4, respectively. Subsequently, the terminal 120A receives the payment operation from the user A (step S320). Subsequently, the terminal 120A transmits a settlement request to the server 110 (step S321).

  Subsequently, the server 110 executes a payment process (step S322). Subsequently, the server 110 transmits a notification indicating that the payment process is completed to the terminal 120A (step S323). Here, the server 110 refers to the enterpriser user information 3141A in FIG. 12, and includes the display mode information at the time of completion of payment, which is associated with the user B, in the notification and transmits it to the terminal 120A. The information on the display mode at the time of completion of payment may include the name of the user B who is the business operator of the store, the trademark of the user B, the image indicating the user B, and the like, which are designated by the user B.

  Subsequently, the terminal 120A displays a display screen (payment completion screen) indicating that the payment process is completed based on the received information on the display mode at the time of payment completion (step S324). Here, the terminal 120A displays the display screen 1411 of FIG. 14B. The example of FIG. 14B is different from the example of FIG. 7B in that an animation 1412 in which a character, which is a trademark of user B, bows, and a background image 1413 are displayed.

  Hereinafter, an example of the process according to the second embodiment will be described. The processing of each example in the following second embodiment can also be executed in combination with the processing of other examples in the first embodiment and the second embodiment.

<< First Example >>
The first example is an example in which, in the second embodiment, the user B can specify the display mode of the display screen displayed on the terminal 120A at the time of payment in accordance with the payment amount. According to the first embodiment, for example, when the payment amount is high, a special display mode can be used to improve the security of payment.

<< Processing of First Example >>
In the first example, in step S305 of FIG. 11A, the terminal 120B accepts an operation for designating a display mode at the time of inputting the payment amount according to the payment amount. Further, in step S306 of FIG. 11A, the terminal 120B accepts an operation for designating a display mode at the time of completion of payment according to the payment amount.

  Then, in step S311 of FIG. 11A, the server 110 stores the received position information, the generated information such as the two-dimensional code, and the information of each display mode corresponding to the payment amount in the business user information 3141A in association with each other. .

  Then, in step S318 of FIG. 11A, the server 110 transmits, to the terminal 120A, information on the display mode at the time of inputting the payment amount, which is associated with the user B and corresponds to the payment amount. Then, in step S319 of FIG. 11A, the terminal 120A displays a payment screen at the time of payment amount input corresponding to the payment amount input to the user A based on the received display mode information at the time of payment amount input. .

  Then, in step S323 of FIG. 11A, the server 110 transmits, to the terminal 120A, information on the display mode at the time of completion of payment, which is associated with the user B and corresponds to the payment amount. Then, in step S324 of FIG. 11A, terminal 120A displays on the screen that the payment process has been completed, based on the information on the display mode at the time of payment completion corresponding to the payment amount.

<< Second Example >>
The second example is an example in which, in the second embodiment, the display screen at the time of completion of payment is displayed on the terminal 120A of the user A after notifying the user B that payment will be made. According to the second embodiment, settlement security can be improved.

<< Process of Second Embodiment >>
In the second embodiment, in step S322 of FIG. 11A, the server 110 first transfers the settlement request transmitted from the terminal 120A to the terminal 120B. Here, the server 110 identifies the user B who is the seller, for example, based on the information such as the two-dimensional code included in the payment request.

  Then, the terminal 120B acquires information about the payment amount included in the payment request, and when the payment amount is less than a predetermined amount (for example, 10,000 yen), transmits a payment approval response to the server 110. On the other hand, when the payment amount is equal to or more than the predetermined amount, a display screen for accepting the approval operation of the user B is displayed, and when the approval operation is accepted from the user B, a payment approval response is transmitted to the server 110. Then, the server 110 executes the payment process.

  The predetermined amount may be set by the user B. If the payment amount is less than the predetermined amount, the server 110 may execute the payment process without transferring the payment request to the terminal 120B. Further, when the payment amount is equal to or more than a predetermined amount, the server 110 makes a call to the telephone number associated with the user B (calling), makes a ringing tone once or twice, and then disconnects (calling). After canceling), the settlement process may be executed. As a result, it is possible to notify the user B of the settlement by the ring tone and record the information of the telephone number of the server 110 and the arrival time in the reception history of the terminal B of the user B.

With respect to the above description, the following items will be further disclosed.
(Appendix 1)
The information processing device
Receiving the position information of the first user and the information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who pays the price using the code presented at the store A first receiving process for
A process of authenticating the code based on position information of the first user and position information stored in association with the code information;
Information processing method for executing.
(Appendix 2)
A second reception process of receiving the position information of the store from the second information processing terminal of the second user who is the business operator of the store;
The information according to Appendix 1, which executes information processing of generating the code information to be issued to the second user and storing the generated code information and the received location information of the store in association with each other. Processing method.
(Appendix 3)
A process of storing the price paid using the first code presented at the store,
A process of issuing a second code to the second user at the request of the second user who is the business operator of the store, and paying out the price paid using the first code to the second user. And the information processing method according to supplementary note 1 or 2.
(Appendix 4)
A process of storing the price paid using the first code presented at the store,
Any one of appendices 1 to 3, further executing a process of invalidating the first code when the second code is issued to the second user at the request of the second user who is the business operator of the store. The information processing method described in one item.
(Appendix 5)
A process of storing the price paid using the first code presented at the store,
Note 1 further executing a process of invalidating the first code after a predetermined period has elapsed when the second code is issued to the second user at the request of the second user who is the business operator of the store. 4. The information processing method according to any one of 4 to 4.
(Appendix 6)
The first receiving process receives the image data of the code captured by the first information processing terminal, and extracts the position information of the first user from the metadata of the received image data. 5. The information processing method according to any one of 5.
(Appendix 7)
7. The information processing method according to any one of appendices 1 to 6, wherein the position information of the first user is identification information of an external device installed near the first information processing terminal.
(Appendix 8)
If the code authentication fails due to the process of authenticating the code, the fact that the code presented to the information processing terminal associated with the received position information of the first user has failed in the authentication is displayed. The information processing method according to any one of appendices 1 to 7, which transmits the notification.
(Appendix 9)
9. The information processing method according to any one of appendices 1 to 8, wherein the first reception process receives the position information of the first user before a settlement request from the first user.
(Appendix 10)
9. The information processing method according to any one of appendices 1 to 8, wherein the first reception process receives both the settlement request from the first user and the position information of the first user.
(Appendix 11)
Receiving the position information of the first user and the information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who pays the price using the code presented at the store A receiver that
An information processing device comprising: a control unit that authenticates the code based on position information of the first user and position information stored in association with the code information.
(Appendix 12)
In the information processing device,
Receiving the position information of the first user and the information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who pays the price using the code presented at the store A first receiving process for
A process of authenticating the code based on position information of the first user and position information stored in association with the code information;
A program to execute.
(Appendix 13)
The information processing device
A process of receiving information of the code acquired by the first information processing terminal from the first information processing terminal of the first user who pays the price using the code presented at the store,
A process of transmitting to the first information processing terminal the information associated with the information of the code, which causes the display screen according to the business operator of the store and at least one of the sounds to be output,
Information processing method for executing.
(Appendix 14)
The process of transmitting is
The information according to appendix 13, wherein information for outputting at least one of the name of the business operator of the store, the trademark of the business operator of the store, and the image of the business operator of the store is transmitted to the first information processing terminal. Processing method.
(Appendix 15)
The process of transmitting is
15. The information processing method according to appendix 13 or 14, wherein information for displaying a display screen in a display mode designated by the business operator of the store is transmitted to the first information processing terminal.
(Appendix 16)
16. The information processing method according to attachment 15, wherein the display screen of the display mode designated by the business operator of the store is a payment input screen.
(Appendix 17)
17. The information processing method according to appendix 15 or 16, wherein the display screen in the display mode designated by the business operator of the store is a payment completion screen.
(Appendix 18)
A process that enables a business operator of the store to specify a unique display mode in a predetermined range including the position of the store,
Item 17. The process according to any one of appendices 13 to 17, which executes a process of authenticating the code based on the position information of the first user and the position information stored in association with the code information. Information processing method described.
(Appendix 19)
19. The information processing method according to appendix 18, wherein the position information of the first user is received before a settlement request from the first user.
(Appendix 20)
19. The information processing method according to appendix 18, wherein the position information of the first user is received together with a settlement request from the first user.
(Appendix 21)
The process of transmitting is
Any of the supplementary notes 13 to 20, which transmits to the first information processing terminal information for outputting at least one of a display amount according to the business operator of the store and a sound, which is associated with the payment amount and the code information. The information processing method described in (1).
(Appendix 22)
22. The information processing according to any one of appendices 13 to 21, wherein the processing of transmitting further transmits a predetermined notification to the second information processing terminal of the business operator of the store, which is associated with the information of the code. Method.
(Appendix 23)
A receiving unit that receives information on the code acquired by the first information processing terminal from the first information processing terminal of the first user who pays the price using the code presented at the store;
A display unit associated with the information of the code, a display screen according to the business operator of the store, and a transmission unit that transmits information for outputting at least one of the sounds to the first information processing terminal;
Information processing device having a.
(Appendix 24)
In the information processing device,
A process of receiving code information acquired by the first information processing terminal from the first information processing terminal of the first user who pays the price using the code presented at the store,
A process of transmitting to the first information processing terminal, information associated with the information of the code, the display screen corresponding to the business operator of the store, and the information for outputting at least one of the sounds;
A program to execute.

100 communication system 110 server 311 reception unit 312 transmission / reception unit 313 control unit 314 storage unit 3141 business user information 3142 user information 3143 payment information 120 terminal 321 reception unit 322 transmission / reception unit 323 position information measurement unit 324 control unit 325 storage unit

Claims (1)

  The invention described in the specification.

Images