JP2020071745A - Settlement system - Google Patents

Abstract

To provide a settlement system using a shopping cart provided in a web server upon sale of articles and so on at actual shops.SOLUTION: The present invention is directed to a settlement system 1 which enables settlement of a purchase price of an article or service by using a customer terminal 10 of a customer and which has a shop terminal 20 provided at a real shop and a server 30 on the internet, in which the server 30 generates, based on information transmitted from the shop terminal 20, an HTML file for generating an interface screen used for a settlement procedure necessary for purchase of an article or service on the customer terminal 10 and connection information used for acquiring the HTML file and the customer terminal acquires the HTML file for the settlement procedure.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a payment system and various means used in the payment system.

Currently, Internet shopping is actively carried out. As a payment method in Internet shopping, there is a method performed by a program called a shopping cart (hereinafter simply referred to as “shopping cart”) using an HTML file that performs a credit card payment function for a selected product. The shopping cart has a function of determining the price based on the unit price of the selected product and the specified quantity, and communicating with the credit card company specified by the user to settle the payment.
Further, as a payment system for purchasing products or services in a store or the like, there is a method described in Patent Document 1 in which payment is performed using a mobile terminal owned by a customer (end user) who purchases products or the like. This technique has a feature that payment can be performed without transmitting personal information from the user terminal to the store terminal. Furthermore, recently, a settlement method using a QR code (registered trademark of Denso Web Co., Ltd.) has attracted attention.

JP, 2017-207918, A

  The shopping cart used in Internet shopping is installed on a web server, and the end user uses a browser to access the payment to settle the payment. This shopping cart allows you to select products and make payments from the state where the end user is already accessing the product browsing page, so it is easy, convenient and easy to use. Has become. However, there is no means for linking to a shopping cart installed on a web server, and it is not used for selling products etc. in a real shop.

  On the other hand, the payment system using the QR code described above uses an application program downloaded from the server system to the user terminal. This application program registers credit card information used for payment in advance, and recognizes a QR code displayed on a store terminal when purchasing a product or the like, thereby purchasing the product or the like using the registered credit card. It is the one that makes the necessary payment for payment. Further, the shop terminal also generates and displays a QR code for payment to be acquired by the user terminal by the function of the dedicated application program downloaded from the system side. However, the payment system using the above-mentioned QR code requires advance preparations such as the end user having to download a dedicated application program for payment in advance. Also, the application program is excellent in that it can include various functions, but it must be created for each OS installed in the mobile terminal, and if the OS version is updated, the It is necessary to verify and correct the operation each time. In addition, the application program cannot be provided unless the mobile terminal manufacturer permits it.

  The present invention has been made in view of the above problems, and an object of the present invention is to provide various means relating to a payment system that enables the use of a shopping cart installed on a web server even when selling products or the like in an actual store. It is a thing. Another object is to provide a simple and convenient payment system using the Internet, which is free from harmful effects such as application programs.

  In order to solve the above problems, the present invention has the following configurations. That is, it is a payment system that enables payment of the purchase price of a product or service by using a customer terminal possessed by the customer and that can be connected to the Internet. HTML for generating an interface screen for causing the customer terminal to perform a payment procedure necessary for the purchase of goods or services, based on the information transmitted from the store terminal. A file and connection information for acquiring the HTML file are generated, an interface screen generated by the HTML file is displayed on the customer terminal that acquires the connection information, and a payment procedure is performed through the interface screen. It is characterized in that it is configured.

It is explanatory drawing showing the operation | movement flow of the payment system which concerns on this invention. It is explanatory drawing showing the structure of the payment system which concerns on this invention. It is explanatory drawing of the vending machine using this invention. It is an example of a display of a personal digital assistant when carrying out the present invention. It is another display example of a portable terminal when implementing the present invention. It is a block diagram of the money payment apparatus which implemented this invention.

(Payment system in stores)
Hereinafter, modes for carrying out the present invention will be described with reference to the drawings. The present embodiment can be applied to payment of a price at an actual store that sells a product or a place where a service is provided.
FIG. 1 is an explanatory diagram showing an outline of a payment system 1 using a shopping cart. As an example, it shows a payment method at an actual store that sells a product. A real store (real store) is a term used for comparison with a virtual store on the Internet, and provides a product or service (product etc.) facing a customer (end user) to pay the price. Stores, places where payments are made, etc., and other similar items.

In the left column of FIG. 1, actions and operations performed by the customer and processing performed using the customer's terminal (customer terminal) 10, the center column performs operations performed in the actual store and processing performed using the terminal device (store terminal) 20, The right column shows the processing performed by the server 30 arranged on the Internet.
The payment system 1 includes a customer terminal 10 having a browser display and a QR code recognition function, and a store terminal (store smartphone, store tablet, POS cash register, personal computer, other device capable of connecting to the Internet, etc.) arranged in a store. Use 20. Further, it has a server 30 connectable by the customer terminal 10 and the shop terminal 20. It should be noted that the server 30 does not necessarily have to be composed of one server, and may be composed of a plurality of servers installed for each function.

  FIG. 2 is an explanatory diagram showing an outline of the means constituting the system and the processing order. In this system, the server 30 on the Internet has an HTML file to be acquired by the customer terminal 10 and an HTML file to be acquired by the shop terminal 20. The HTML file can be viewed using a browser, and generates an interface screen that has a GUI that can be operated on the screen, link information, and other necessary programs.

A conventional general shopping cart has a function of paying for the price of a product purchased at an Internet shopping site that sells the product. Mainly, a payment server for making various payments such as a credit card, a debit card, and a prepaid card is connected to a shopping site, and the payment is made by the operation of the customer. Also in this embodiment, such a payment server 40 is installed so that payment information can be transmitted to and received from the server 30.
Other functions of the shopping cart may include a function of assisting the construction of a shopping site and a function of managing accounting and inventory. The shopping cart according to the present embodiment has a function peculiar to the present invention in addition to the basic functions of such a conventional system.

In addition to the above functions, the shopping cart used in the present embodiment has a function of generating means necessary for a payment procedure based on access from a store terminal 20 arranged in a prestored real store. is doing. The means necessary for the payment procedure is an operation means having a user-operable interface screen displayed on the customer terminal 10 for performing payment processing. In addition, means for correcting or adding products, inputting or deleting the number of products, adding products, or selecting a payment method according to the specifications is added.
Further, the shopping cart has means for generating connection information (URL) for the interface screen and the customer terminal 10 to acquire the interface screen (acquire an HTML file), and provide these to the specified store terminal. is doing. The access information (URL) itself can be generated by the store terminal 20, and the server 30 may set the storage folder and the file name of the HTML file according to the access information generated by the store terminal 20. .. This access information is set so that it can be used only for a short time for performing the payment process, and the access information and the HTML file after the payment process are deleted.

The flow of payment (payment) performed using this payment system will be described below.
The payment process of the product selected by the customer for the purpose of purchase can be started by inputting information of the purchased product or the like to a store terminal (store smartphone or store tablet) 20 prepared in the store. The customer terminal may be used instead of the store terminal to complete the settlement process. In that case, the customer terminal is appropriately modified so as to exert the same function as the store terminal 20 described below. ..

The store terminal 20 identifies the product by reading a barcode for product management attached to the product, and sells the price from a database provided in the store terminal 20 or a product management server connected to the store terminal 20. Get the product information of. The selling price and the product information may be acquired from a management system that manages the POS cash register and the like.
When the bar code for product management is not used, the same process as when reading the bar code can be performed by directly entering the product management code into the store terminal. It is preferable to use the product bar code when the number of products or the number of products sold is large, but the product bar code is not always necessary in this system because the product and price can be specified. Any method such as acquiring the product information by recognizing another image code or the product itself, not limited to the barcode, may be used as long as it can input the payment price.

The store terminal 20 is provided with a dedicated HTML file suitable for selling products, and accesses the server 30 to obtain the HTML file. This dedicated HTML file may include data and programs for displaying product information and performing the POS cash register function. The purpose of this dedicated HTML file is to have a means for specifying a product to be purchased, and to perform processing necessary to purchase the product or to perform processing necessary to purchase the product to the server 30. Is to do it.
When the product information including the price of the product (or service) to be sold at the shop terminal 20 is set, the product information including the price is transmitted to the server using the function of the HTML file (S1).

The server 30 that has acquired the product information generates an HTML file that constitutes an interface screen for payment and also generates access information dedicated to this HTML file. The generated access information is transmitted to the shop terminal 20 and displayed (S2). When the customer terminal acquires the access information displayed on the shop terminal 20 (S3), the customer terminal acquires the HTML file for payment (S4, S5).
In the present embodiment, the access information is converted into a QR code and displayed on the shop terminal 20, and the customer terminal 10 recognizes and decodes the QR code to acquire the access information. ing. The QR code forming the access information may be generated by the server, or may be performed by the shop terminal 20 that has acquired the link information for connecting to the server.

The customer terminal 10 that has acquired the QR code including the access information can acquire the address for connecting to the server 30 by decoding the QR code. By obtaining this address (URL), it becomes possible to connect to the server 30 using a browser, and when the connection is made, an HTML file for payment of the price can be obtained.
An interface screen for payment is displayed on the screen of the customer terminal 10 by the HTML file read by the browser. On this interface screen, the product name of the product purchased by the customer, product information such as the price, and the payment method are displayed.

  The HTML files that make up the above interface screens include a shopping cart function that allows the selection of payment methods and the progress of payment processing. As an example of the shopping cart function, there is a means for selecting a credit card to be used for payment, selection of a prepaid card, and a method for selecting a payment method such as a bank account for payment. Has a settlement processing means for performing settlement processing after establishing secure communication. The basic functions of payment processing using a shopping cart are the same as those generally performed in Internet shopping at present, and payments made between a customer and a credit card company, etc. It is designed to process payments to customers.

Briefly explaining the flow of the above settlement, when the customer terminal 10 reads and decodes the QR code displayed on the store terminal 20, the URL is displayed as link information, and the product is purchased by connecting to the server designated by the URL. Screen for payment is displayed, and the payment is completed using the screen for payment (S6) (S7).
When this system is viewed from the point of view of a store, if the product information is transmitted to a dedicated server using an application or a browser, the URL of the HTML file used by the customer for payment can be acquired. Then, the customer terminal 10 is made to acquire this URL, and the customer himself / herself is settled, and one of the means for acquiring this URL is a QR code read by the customer terminal 10. Note that an image code other than the QR code may be used.

Among the functions of the shopping cart, the payment information is sent and received to and from the credit card company 50 and the bank 60 by the payment server 40 which has a stricter security than the server 30 which generates the interface screen (HTML file) for payment. It is supposed to be done. The server 30 transmits information necessary for payment to the payment server 40, receives the payment result, and provides the payment result to the customer terminal 10 and the store terminal 20.
The program that makes up the shopping cart is assigned specific setting information that is set for each store, and when payment is made, the payment is made from the credit card company to the bank account that the store has according to the setting information. Processing is performed.

  Note that the payment process is performed by the customer terminal 10 owned by the customer, and the store terminal 20 is not used (can be used) in the normal payment process, so that information about the credit card or the bank account is not available. It is not acquired by the shop terminal 20 or a third party. When the payment with the credit company or the like is completed, the customer terminal displays a payment completion confirmation screen, and the store terminal also displays the payment completion notification or confirmation screen. This completes the payment procedure, and the customer receives the product and the product purchase transaction ends.

  A major feature of the above embodiment is that the customer terminal 10 does not necessarily have to download the application program. In order to use the application, at present, it is necessary to create an application for each OS provided by Google, Apple, Microsoft, etc. Further, if the OS version changes, it becomes necessary to modify it and it cannot be used. In some cases. Further, there are cases where the application cannot be provided without the permission of the terminal providing manufacturer, which is extremely inconvenient. On the other hand, the function of displaying and operating HTML using a browser can be used regardless of the type of terminal or the manufacturer of the terminal, unless an extremely old terminal or an old OS is used. Therefore, the above inconvenience rarely occurs and practically no inconvenience occurs. The payment system according to this embodiment has such characteristics.

(Payment system for vending machines)
Next, another embodiment of the present invention will be described. The payment system according to the present embodiment is such that when a product or the like is purchased by the vending machine 100, the purchase price of the product or the like is made using a customer terminal such as a smartphone owned by the purchaser. In the system for purchasing products using the vending machine 100, the schematic specifications of the payment method portion are the same as those in the above-described embodiment, and therefore, the same configurations will be described with the same reference numerals. Is omitted.
As a method of making a payment using the customer terminal 10, there is a carrier payment method of making a payment by communicating with an automatic vending machine using a short-range wireless communication means installed in the terminal. This embodiment provides another payment method different from the conventional method that does not use short-range wireless communication. It should be noted that the combined use with short-range wireless communication is not particularly denied, and it is possible to have such communication means.

  FIG. 3 shows an external perspective view of the vending machine 100. This vending machine 100 has, as an example, a large liquid crystal display 110 that doubles as a display for displaying product images and an operation panel on the front surface of a housing. It is provided. A touch panel function is provided on the entire surface or a part of the liquid crystal display 110, and constitutes an interface screen for selecting products displayed on the liquid crystal display 110 and performing various operations.

It should be noted that in the case of a conventional vending machine displaying a product object, it is not always necessary to provide a large liquid crystal display on the front surface of the housing, and a small display capable of displaying image information such as a QR code described later. You may use things like 113.
In addition, as will be described later, a communication means for connecting to the Internet or the like and a display means capable of displaying a QR code are provided in a cash dispenser equipped with a mechanical unit that identifies and dispenses inserted bills and coins. The cash dispenser may be mounted on various automatic vending machines, gaming machines, multi-function peripherals, ATMs, etc. to make payment relating to the sale of various products and services.

There are various types of vending machines 110, such as those that store and sell beverages and other items, and those that sell service tickets (ticket sales). The vending machine 100 used in the present invention may be used for selling anything as long as it is based on the gist of the present invention. It may also be used as an additional function to an existing vending machine.
The vending machine 100 used in the present embodiment has, as a basic function, a selection means (110) for a product or the like to be sold, and a payout means 114 for the selected product. Further, it has cash input means (111, 112) for making payment by cash. The vending machine 100 according to the present embodiment includes, in addition to cash payment means, a payment means that performs short-distance wireless communication with a mobile terminal for carrying out carrier payment or a prepaid card equipped with NFC.

Further, the vending machine 100 can provide the customer with a payment method using a browser installed in the customer terminal 10 (including a tablet terminal and a PC) owned by the customer in addition to the payment means. .. In this payment system using the automatic vending machine 100, the same function may be executed by an application.
The vending machine 100 used in the present embodiment enables payment in cash by inserting cash after selecting a product, and by selecting another payment method (payment method according to the present invention), the customer terminal 10 such as a smartphone. It becomes possible to make payments using.
When making a payment using the customer terminal after selecting a product, a QR code is displayed on a part of the display 110 installed in the vending machine 100. This QR code is for acquiring connection information for connecting to a server having a shopping cart function as in the above-described embodiment. When the customer terminal 10 image-recognizes and decodes this QR code, a URL link is acquired as connection information and connection becomes possible.

  When connecting to the server using the displayed URL link, a screen as shown in FIG. 4 is displayed on the mobile terminal 10. This screen is obtained by connecting the HTML file generated on the server using a URL link, and constitutes an interface screen for the purchaser of the product to proceed with the payment process. As a general rule, the URL link for acquiring this HTML file is used only once, and when the next user uses it, a different URL link is generated and displayed.

That is, the shopping cart program installed on the server generates an HTML file for each transaction, generates a URL link dedicated to the transaction, and enables the HTML file to be acquired by the connection using the URL link.
It should be noted that the HTML file for each transaction constitutes one HTML file by combining screen display information common to each transaction and information unique to each transaction. That is, what is displayed on the display of the customer terminal is composed of a display that is common to each transaction and a display that is different for each transaction such as the product name and price.

The interface screen shown in FIG. 4 displays a display 151 of a product to be purchased and a payment amount 152, and a link switch 153 for payment such as “add to cart” and payment such as “cancel transaction”. A link switch 154 for discontinuing is provided. When the link switch displayed as "Add to cart" is selected, the screen for selecting the payment method shown in FIG. 5 is displayed.
There are various payment methods, provided by partner companies, such as those that use payment applications provided by mobile terminal manufacturers, payments using financial cards such as credit cards and debit cards, and carrier payments provided by telephone communication companies. Various payment methods can be used.

When the settlement process is completed using the interface screen, the information indicating the completion is transmitted to the vending machine, the product is paid out from the payout port 114, the paid product is received, and the transaction is completed.
Although the above example has been described by taking a drink vending machine as an example, it is not limited to the sale of drinks, and it is not limited to the sale of low-priced products. For example, precious metals, cosmetics, toys, home appliances, gift certificates, etc. may be sold, and expensive products of 10,000 yen or more may be handled.

If the product to be purchased is large, some vending machines cannot store the product and pay it out. In the case of such a product, it is possible to provide a product delivery counter in the store and receive the product purchased at this delivery counter. When the product is received at the delivery counter, the information of the already-settled product is transmitted to the terminal installed at the delivery counter, and the information is compared with the information indicating the completion of the payment transmitted to the customer terminal 10 at which the payment is made. Thus, it is possible to determine whether or not the product can be delivered.
Further, when dealing with deliverable products, the above-mentioned shopping cart function may be provided with a sales function accompanied by delivery options including setting of shipping fee and delivery destination.

The above-mentioned vending machine does not install an object (sample) of the product but displays the product with an image. An automatic vending machine that does not have an object does not need to be replaced when the product is replaced, and therefore has an advantage that the product can be replaced frequently according to trends, regions, and seasons.
The guide display of the product image and the like can be configured by an HTML file according to the specification of HTML5 or the like, and in this case, various product display methods such as displaying an advertisement moving image can be adopted.

Further, if all the purchased products are handed over to a dedicated counter or the like in the store, the vending machine does not need a product payout mechanism. That is, it can be used as a product browsing device that can select purchased products instead of the vending machine, and if a touch panel type display is provided, product browsing and selection and payment processing can be performed using this display. Will be possible.
The payment information can be configured to be transmitted to the store terminal from a browser having a shopping cart function. By preparing the product based on the payment information sent to the store terminal, the product will be checked against the information sent to the buyer's mobile terminal when the buyer comes to the dedicated counter and the product will be checked. Can be handed over.

In this example as well, it is possible to perform delivery. In that case, the product to be delivered to the delivery center and the destination information when the settlement is completed are sent to the delivery center, and the product is delivered from the delivery center. ..
The shopping cart has a function of accumulating the products to be purchased and making a settlement in a lump, and also has a function of deleting the accumulated products from the items to be purchased. Because it has such a function, you can place an item of interest in a shopping cart at a store or a place where a vending machine is installed, review the ordered item after a certain period of time after returning home, and place an order. It is possible. In this way, it is possible to purchase goods and services similar to Internet shopping at a store or a place where a vending machine is installed.

In the product sales system as described above, the touch panel type display can be used as a kind of electronic catalog capable of performing product selection and purchase procedures.
After selecting the product to purchase using the electronic catalog, the purchaser only has to perform the payment process using the terminal owned by the purchaser, and therefore does not need to input personal information to the device installed in the store. .. Therefore, the risk of leakage of personal information is low, and the burden on the system administrator who operates it is also low.
In recent years, products are often sold to foreigners, but by configuring the shopping cart in multiple languages, an interface screen in the selected language can be configured.

(Cash dispenser)
Currently, there are various vending machines that sell products and services such as drinking water and tickets. Each of these vending machines is equipped with a cash dispenser that deposits banknotes and coins and dispenses change. There are various forms and mechanisms of vending machines depending on the products and services to be sold, but the cash dispensers installed in these machines have a slot for inserting banknotes and coins and a spout for dispensing change. It was done. In addition, some vending machines also come with the function of making payments by communicating with NFC-equipped cards and terminal devices. The present invention can add a new settlement function to such a cash dispenser.

FIG. 6 is an explanatory diagram showing an outline of the payment system 200 using the cash dispenser 201. The payment system 200 has a cash dispenser 201 and a vending machine 202. The cash dispenser 201 has a cash dispense mechanism 203 for hardening and inputting bills with a mechanical mechanism, and includes a control unit 204 including a computing device, a storage device, and the like that operates according to a program. It is designed to deposit and withdraw money with control.
The cash depositing / dispensing mechanism 203 is a mechanical unit including a mechanical mechanism that takes in coins or bills for payment of the price, determines whether the coins or bills are false coins, and then counts and takes in the coins or bills. Is. It also has a mechanical mechanism to be used when returning coins or bills or when returning change.

The cash dispenser 201 further includes various units such as a communication unit 205, a display unit 206, an operating unit 207, an interface 208, and a wireless communication unit 209, which are connected to and controlled by the control unit 204.
The communication unit 205 is for connecting to the Internet or another network, and is for communicating with a server for settlement similar to the one described above as an example.
The display means 206 is capable of displaying an image or video on a liquid crystal display or the like, and is used as a QR code display means for displaying a QR code in the present embodiment. When the vending machine 202 equipped with the cash dispenser 201 is equipped with a display device, the QR code display means may be configured by using the display device of the vending machine 202 as an alternative means of the display means 206. ..

  The operation unit 207 is a switch or the like operated by the user, and may be configured by a touch screen panel mounted on the display unit 206 in addition to a mechanical switch. The wireless communication unit 209 is provided to receive information recorded in an IC mounted on an NFC or IC tag by transmitting / receiving a wireless signal or generating a driving electric field. Communication is performed with a card installed in an NFC or IC tag or a mobile terminal equipped with the same function.

  The interface 208 is composed of a communication port or the like for communicating with the control means of the vending machine installed in the vending machine 202. The vending machine 202 includes various types of devices such as vending machines for drinking water, cigarettes, etc., and multifunction machines for selling various products and services described in Japanese Unexamined Patent Publication No. 2016-76962. .. 2. Description of the Related Art Multi-function devices (devices for copying, document printing, photo printing, ticket issuing, content sales, etc. connected to a communication network) are located in convenience stores and the like as devices for selling services, and have spread nationwide.

In the case of using the multi-function peripheral, by printing the QR code for payment or identification on the printed matter printed out by the multi-function peripheral, it is possible to provide the same payment system as that described above.
Further, when the multi-function peripheral is used, the information holding body described in the specification and the drawing of Japanese Patent Application No. 2018-112376 can be printed out by the multi-function peripheral. The information holder is a printed matter or the like that holds information that can be acquired by an electronic device terminal such as a smartphone, and an example of the information that can be acquired is formed by a QR code. This QR code describes connection information for specifying and connecting another electronic device (server or the like) connected to the communication network, and variable information transmitted together with the connection information. When the multi-function peripheral is used, it is possible to print and output the QR code including the common connection information and the variable information that is different for each print output. With such a configuration, the invention described in the specification of Japanese Patent Application No. 2018-112376 can be implemented.

The operation when a product or the like is purchased by the vending machine 202 equipped with the cash dispenser 201 will be described. In order to purchase the product etc., after selecting the product etc. using the product etc. selecting means provided in the vending machine 202, cash is put into the cash dispenser 201, or another payment means is used when the payment other than cash is carried out. Select. When the payment method according to the present embodiment is selected, the QR code or the image code of another method that carries information for making payment is displayed on the display unit 206. This QR code or image code (hereinafter simply referred to as “QR code”) includes information for connecting to a shopping cart installed in a server connected via the communication means 205.
The generation and issuance of the QR code may be performed by the cash dispenser 201, or may be performed by the shopping cart and displayed on the display unit 206.

When the QR code displayed on the display unit 206 is acquired using the customer's mobile terminal or the like, the browser is used to connect to the server that executes the shopping cart program, and the HTML file is acquired to acquire the product name or service name and the price. Is displayed. In the shopping cart, the payment method can be further selected, and the payment method by credit card, virtual currency, prepaid card, debit card or other various means is selectably displayed on the mobile terminal. Since the method of payment by the shopping cart is the same as the one generally used at present, detailed description will be omitted.
When the payment is completed, the payment completion information is transmitted to the vending machine 202 via the cash depositing / dispensing machine 201, and the merchandise is paid out. When the product to be sold is a product using a multifunction peripheral, the right to use the service such as issuing a concert ticket is sold.

  Conventionally, there is a system that sells products by using the NFC function of a mobile terminal, but in the present embodiment, the NFC function is not essential if a browser capable of displaying HTML is included, and a server on the Internet. Similar payments can be made just by installing a shopping cart program in. Alternatively, the connection information may be set so that the service of the provider providing the shopping cart can be used to connect to the provided server. This system has a feature that it is not necessary to construct a large-scale system and, as a minimum scale, the settlement system of the present invention can be used for each vending machine.

(Shopping cart program)
The configuration of the shopping cart program (hereinafter referred to as “shopping cart”) used for the above-mentioned settlement processing will be described. In the form of a shopping cart, the user himself / herself owns (or rents) a server to create an Internet shopping site, and places link information to connect to another server that executes the shopping cart function, and settles the payment for the product. There is a thing that makes other server do. In addition, since there is a service that provides a server including an Internet shopping site setting and a shopping cart function, an Internet shopping site can be constructed using such a service.

In any of the above cases, the program that executes the shopping cart function selects payment items and quantity, calculates the payment amount, and establishes secure communication with a payment institution such as a credit card company for payment. It has the basic function to perform. In addition to the basic functions described above, the program for providing a shopping cart used in each of the above-described embodiments uses the form of an image code, such as a QR code, as connection information for obtaining an HTML file for performing payment processing using the shopping cart. It has a function to output with.
This makes it possible to make the device operated to select a product different from the device to make payment. That is, as described above, the user selects a product using a device that is not owned by the user, such as a terminal installed in a store or a vending machine, and performs highly confidential procedures such as payment and delivery destination setting. It can be done at the terminal.

  In addition, it does not require a dedicated program such as a so-called application, and it can be used if there is browser software that can be connected to a server via the Internet that is installed as a general function in current mobile terminals. It is characterized by high versatility. This eliminates the need to create an application for each type of OS. Furthermore, there is no need to modify the program each time the OS version is upgraded, or the service cannot be provided without obtaining permission from the terminal sales company.

(Application example of image code)
Although an image code such as a QR code has been described in the image display device in the above-mentioned example, when the display device is used, the image code need not be limited to one. That is, it is possible to display a plurality of image codes and to handle a plurality of these image codes as a set as authentication information. For example, it can be configured that three QR codes are generated, the QR codes are continuously displayed like a moving image, and the three QR codes are acquired by a mobile terminal or a device having a recognition function. ..
In a simple example, a QR code can be acquired by generating and displaying a moving picture file that continuously switches and displays the QR code, and then extracting the QR code after shooting this as a moving picture. Become.

In order to acquire the plural end QR code from the moving image, the process of cutting out the QR code image included in the moving image as a single image is performed, and then the cut out QR code images are decoded respectively to obtain the respective information. To get.
The fact that one piece of information is composed of a plurality of QR codes means that the amount of information that can be included in one piece of information can be increased in proportion to the number of pieces of information, and a large amount of information is converted into image information. It becomes possible to transmit.
The information mounted on one QR code may be independent information, or one information may be configured by integrating information included in a plurality of QR codes. In the latter case, information included in a plurality of QR codes may be serially combined to form one piece of information, or one piece of data may be obtained by integrating divided pieces of information by a predetermined algorithm. It may be configured.

A token that issues a one-time password can be given as an example of a device that displays an image code such as a QR code on an image display device. There is a token that issues an 8-digit number as a one-time password when making a withdrawal or transfer to a bank account using the Internet. The security of the one-time password increases as the number of digits increases, but on the other hand, the input operation becomes troublesome and the possibility of erroneous input increases.
The token can be equipped with a function for issuing and displaying the QR code as the one-time password. By using an application program executed on a smartphone or the like, it is possible to perform authentication by including a sequence that causes the image displayed by the token to be captured and recognized during remittance and transfer operations.

  When a token that issues a QR code is used as the one-time password, the QR code can include a URL for connecting to a server and variable information (numerals and symbols) generated by a predetermined algorithm. This one-time password is taken by another mobile terminal when the QR code of the token is taken using a terminal such as a personal computer without a photographing means by internet banking, and the link information included in the QR code is sent to the server. By connecting, the server recognizes the variable information included in the QR code. Whether or not this variable information is generated by a token is determined, and if it is true, transactions such as transfer are permitted.

The information (numerical value designated by operating the numeric keys) to be input to the token on the operation screen of the Internet banking during the transaction may be designated and input. By inputting information such as numbers and characters designated at the time of issuing the QR code, variable information including this information or information encrypted by this information may be included in the variable information so that the server recognizes it.
The server side can also calculate the variable information generated by the information entered in the token, so compare the information calculated by this calculation with the variable information sent from the user to see if the transaction is true or false. Can be determined.

The above example is for the case where internet banking is performed by a general computer connected to the internet, and even if the computer itself cannot recognize the image code such as QR code, security is required by using a smartphone or the like. It is possible to perform highly effective authentication processing.
An HTML file refers to a document file installed on the Internet that can be browsed using a browser. It is substantially the same as the HTML file described in the specification and belongs to the technical scope of the present invention.

  The respective embodiments according to the present invention described above are merely examples and can be used in combination without departing from the spirit of the present invention. The elements described in each of the above embodiments can be applied to other embodiments without departing from the gist of the present invention, and are regarded as the embodiments described in the present specification. Is.

  INDUSTRIAL APPLICABILITY The present invention is applicable to a shopping cart system used for purchasing goods and services, and various devices and systems that can use the shopping cart system.

1 settlement tem 10 terminal (customer terminal)
20 terminal equipment (store terminal)
30 server 100 vending machine 110 liquid crystal display 111 hardening insertion hole 112 bill insertion hole 113 small display 114 product payout means 201 cash dispenser 200 payment system 201 cash dispenser 202 vending machine 205 communication means 206 display means 207 operation Means 208 Interface 209 Wireless Communication Means

Claims (6)

A payment system in which a customer or a customer terminal that can be connected to the Internet can be used to settle the purchase price of a product or service.
It has a store terminal that can be connected to the Internet and a server that is located on the Internet
The server, based on the information transmitted from the store terminal, an HTML file for generating an interface screen for causing the customer terminal to perform a payment procedure necessary for purchasing a product or service, and connection information for acquiring the HTML file. Produces
A payment system characterized in that an interface screen generated by the HTML file is displayed on a customer terminal that has acquired the connection information, and a payment procedure is performed through the interface screen.   2. The payment system according to claim 1, wherein the connection information is provided in the form of decodable image information composed of a QR code or a still image or a moving image.   The settlement system according to claim 1 or 2, wherein the store terminal is an automatic vending machine used for selling goods or services.   4. The payment according to claim 3, wherein the cash dispenser mountable on the vending machine is provided with an image display means, and the image information carrying the connection information is displayed on the image display means. system.   5. The payment system according to claim 1, wherein the store terminal has a display device having a touch panel type display capable of selecting products and performing purchase procedures. The store terminal is configured by a multifunction machine having a printing unit for paper, the image information is printed using the printing unit, and the interface screen is provided based on the printed image information. The payment system according to claim 1 or 2, characterized in that.