JP2020102050A - Authentication method, program, and server - Google Patents

Abstract

To provide an authentication method, a program and a server which are easy to use for the authentication of a user by a terminal in payment by electronic money.SOLUTION: Provided is an authentication method executed by a server that manages payment of electronic money by a terminal. This method includes: receiving, by a communication unit of the server, information that pertains to the payment of electronic money by the terminal; transmitting, by the communication unit, information that pertains to the authentication of the user of the terminal to the terminal; receiving, by the communication unit, information that indicates that the user of the terminal has been authenticated by the terminal; and transmitting, by the communication unit, payment information to the terminal that indicates that payment by electronic money has been made, on the basis of information that indicates that the user of the terminal has been authenticated. The payment information is transmitted to the terminal by the communication unit on the basis of acquisition of information that is different from authentication information for authenticating the user, while information pertaining to the authentication of the user of the terminal is not transmitted to the terminal by the communication unit.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to an authentication method, a program, and a server.

Recently, services for making electronic payments using terminals such as mobile phones have become widespread. For example, Patent Document 1 discloses a method of performing authentication by collating the personal identification data input to the terminal with the personal identification data stored in advance in the terminal. However, there is a case where the usability is not good for the authentication of the terminal user in the settlement by electronic money.

JP 2002-176671 A

According to the first aspect of the present invention, an authentication method performed by a server that manages settlement of electronic money by a terminal includes: receiving information about settlement of electronic money by the terminal by a communication unit of the server; Based on the fact that the communication unit transmits information regarding authentication to the terminal, the information indicating that the user of the terminal has been authenticated by the terminal is received by the communication unit, and the information indicating that the user of the terminal has been authenticated. And transmitting payment information indicating that payment by electronic money has been made to the terminal by the communication unit, wherein the payment information is based on acquisition of information different from the authentication information for authenticating the user. The information related to the user authentication is not transmitted to the terminal by the communication unit, but is transmitted to the terminal by the communication unit.
According to the second aspect of the present invention, the program executed by the computer of the server that manages the settlement of electronic money by the terminal causes the communication unit of the server to receive information about the settlement of electronic money by the terminal, and the user of the terminal. Based on the fact that the communication unit transmits information regarding the authentication of the terminal to the terminal, the information indicating that the terminal user has been authenticated by the terminal is received by the communication unit, and the information indicating that the user of the terminal has been authenticated. And transmitting payment information indicating that payment by electronic money has been performed to the terminal by the communication unit, wherein the payment information is based on acquisition of information different from the authentication information for authenticating the user, The information related to the authentication of the user of the terminal is transmitted to the terminal by the communication unit without being transmitted to the terminal by the communication unit.
According to the third aspect of the present invention, a server that manages electronic money payment by a terminal receives information about electronic money payment by the terminal, transmits information about authentication of a user of the terminal to the terminal, and the terminal sends the information by the terminal. A communication unit that receives information indicating that the user has been authenticated, and transmits payment information indicating that payment by electronic money has been performed to the terminal based on the information indicating that the user of the terminal has been authenticated. A control for transmitting information about the user authentication of the terminal to the terminal based on the acquisition of information different from the authentication information for authenticating the user, and not transmitting the payment information to the terminal by the communication unit. And a section.

The figure showing an example of the composition of the communication system in one mode of an embodiment. The figure showing an example of the system configuration of the store POS system in one mode of an embodiment. The figure which shows an example of the function implement|achieved by the control part of the server which concerns on 1st Embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the server which concerns on 1st Embodiment. The figure which shows an example of the user registration data which concerns on 1st Embodiment. The figure which shows an example of the store registration data which concerns on 1st Embodiment. The figure which shows an example of the payment management database which concerns on 1st Embodiment. The figure which shows an example of the function implement|achieved by the control part of the terminal which concerns on 1st Embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the terminal which concerns on 1st Embodiment. The figure which shows an example of the authentication skip condition data which concerns on 1st Embodiment. The figure which shows an example of the terminal user data which concerns on 1st Embodiment. The figure which shows an example of the authentication skip condition user setting data which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 1st Embodiment. The flowchart which shows an example of the flow of a process of the terminal which concerns on 1st Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of a process of the terminal which concerns on 1st Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of a process of the terminal which concerns on 1st Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of a process of the terminal which concerns on 1st Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of the 1st authentication skip determination processing which concerns on 1st Embodiment. The figure which shows an example of the authentication skip condition data which concerns on a 1st modification. The flowchart which shows an example of the flow of the process of the terminal which concerns on a 1st modification, a shop code reader device, and a server. The figure which shows an example of a data structure of the code management database for terminal reading which concerns on a 1st modification. The figure which shows an example of the function implement|achieved by the control part of the server which concerns on 2nd Embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the server which concerns on 2nd Embodiment. The figure which shows an example of the authentication skip condition data which concerns on 2nd Embodiment. The flowchart which shows an example of the flow of a process of the terminal which concerns on 2nd Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of a process of the terminal which concerns on 2nd Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of a process of the terminal which concerns on 2nd Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of the process of the terminal which concerns on a 2nd modification, a shop code reader device, and a server. The flowchart which shows an example of the flow of the process of the terminal which concerns on a 2nd modification, a shop code reader device, and a server. The flowchart which shows an example of the flow of the process of the terminal which concerns on a 2nd modification, a shop code reader device, and a server. The figure which shows an example of the function implement|achieved by the control part of the server which concerns on 3rd Embodiment. The flowchart which shows an example of the flow of a process of the terminal which concerns on 3rd Embodiment, a shop code reader apparatus, and a server. The flowchart which shows an example of the flow of the process of the terminal which concerns on a 3rd modification, a shop code reader device, and a server. The flowchart which shows an example of the flow of the process of the terminal which concerns on a 3rd modification, a shop code reader device, and a server. The figure which shows an example of the function implement|achieved by the control part of the server which concerns on 4th Embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the server which concerns on 4th Embodiment. The figure which shows an example of the data structure of the IMS user management database which concerns on 4th Embodiment. The figure which shows an example of the data structure of the IMS group management database which concerns on 4th Embodiment. The figure which shows an example of a data structure of the remittance payment management database which concerns on 4th Embodiment. The figure which shows an example of the function implement|achieved by the control part of the terminal which concerns on 4th Embodiment. The figure which shows an example of the information memorize|stored in the memory|storage part of the terminal which concerns on 4th Embodiment. The figure which shows an example of the data structure of the authentication skip condition data which concerns on 4th Embodiment. The figure which shows an example of the data structure of the data for remittance payment according to 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 4th Embodiment. The flowchart which shows an example of the flow of the process of the terminal and server which concern on 4th Embodiment. The flowchart which shows an example of the flow of the process of the terminal and server which concern on 4th Embodiment. The figure which shows an example of the data structure of the authentication skip condition data which concerns on a 4th modification. The flowchart which shows an example of the flow of the process of the terminal and server which concern on 4th Embodiment.

<Compliance with legal matters>
It should be noted that the disclosure provided herein is subject to compliance with the national jurisdictions of the implementing country necessary to practice the disclosure, including confidentiality of communication.

An embodiment for carrying out an authentication method and the like according to the present disclosure will be described with reference to the drawings.

[System configuration]
FIG. 1 is a diagram illustrating an example of 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 10, the terminal 20 (terminal 20A, terminal 20B, terminal 20C,...) And the store POS system 40 are connected via the network 30. ..

The server 10 provides the terminal 20 owned by the user via the network 30 with a service that realizes transmission and reception of content including messages and the like between the terminals 20. The server 10 also provides a service (hereinafter, referred to as “payment service”) that communicates with the terminal 20 to realize electronic payment (an example of payment without limitation). The number of terminals 20 connected to the network 30 is not limited.

The network 30 plays a role of connecting one or more terminals 20, one or more servers 10, and one or more store POS systems 40. That is, the network 30 means a communication network that provides a connection path so that data can be transmitted and received after the above various devices are connected.

One or more portions of network 30 may or may not be wired or wireless networks. The network 30 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), 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, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (Bluetooth (registered trademark)), satellite Communication, etc., or a combination of two or more of these may be included. The networks 30 may include one or more networks 30.

What kind of terminal 20 (terminal 20A, terminal 20B, terminal 20C,...) (A terminal, an example of an information processing device, without limitation) is an information processing terminal that can realize the functions described in each embodiment. It may be a terminal. The terminal 20 may be, for example and without limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a media computer platform (for example, without limitation, cable, satellite set). Top box, digital video recorder), handheld computing device (eg, without limitation, personal digital assistant (PDA), email client, etc.), wearable terminal (glasses type device, watch type device, etc.), or other type of computer , Or including a communication platform. Further, the terminal 20 may be expressed as an information processing terminal.

Since the configurations of the terminal 20A, the terminal 20B, and the terminal 20C are basically the same, the terminal 20 will be described in the following description. Further, the terminal used by the user X is expressed as the terminal 20X, and the user information in a predetermined service associated with the user X or the terminal 20X is expressed as the user information X as necessary. 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. The information includes information associated with the user such as the taste and the user's identifier, and may be any one of them or a combination thereof, or may not be so.

The server 10 (without limitation, an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service to the terminal 20. The server 10 may be any device as long as it is an information processing device that can realize the functions described in each embodiment. The server 10 includes, by way of example and not limitation, server devices, computers (eg, without limitation, desktops, laptops, tablets, etc.), media computer platforms (eg, without limitation, cables, satellite set top boxes, digital video recorders). ), handheld computing devices (for example and not by way of limitation, PDAs, email clients, etc.), or other types of computers, or communication platforms. Further, the server 10 may be expressed as an information processing device. When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be represented as information processing devices.

In the embodiment described below, the server 10 will be described as having a function of providing a messaging service (IMS (Instant Messaging Service)) and a function of providing a settlement service.

It should be noted that the server having the function of providing the IMS and the server having the function of providing the settlement service may be separately configured to form two servers, the IMS server and the settlement server. May be.

Further, as a non-limiting example, a company operating the server 10 is a company (for example, a company “X”), and a store (member store) of a member store affiliated with a company of the IMS is referred to as “store S1”, “store S1”, and “store S1”. Store S2",...

The store POS system 40 is a POS system installed and used in a store affiliated with an IMS business.
The store POS system 40 includes a store code reader device 50, a code cash register 60, and a store server 70 by way of example and not limitation.

[Hardware (HW) configuration of each device]
The HW configuration of each device included in the communication system 1 will be described.

(1) HW Configuration of Terminal FIG. 1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit (Central Processing Unit)), a storage unit 28, a communication I/F 22 (interface), an input/output unit 23, a display unit 24, a microphone 25, a speaker 26, a camera 27, A clock unit 29A and a position calculation information detection unit 29B are provided. The components of the HW of the terminal 20 are connected to each other via the bus B by way of example and not limitation. Note that it is not essential that the HW configuration of the terminal 20 includes all the constituent elements. By way of example and not limitation, the terminal 20 may or may not be configured to remove individual components, or multiple components, such as the microphone 25, camera 27, etc.

The communication I/F 22 sends and receives various data via the network 30. 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 22 has a function of performing communication with various devices such as the server 10 via the network 30. The communication I/F 22 transmits various data to various devices such as the server 10 according to an instruction from the control unit 21. Further, the communication I/F 22 receives various data transmitted from various devices such as the server 10 and transmits them to the control unit 21. In addition, the communication I/F 22 may be simply expressed as a communication unit. Further, when the communication I/F 22 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 23 includes a device that inputs various operations on the terminal 20 and a device that outputs a processing result processed by the terminal 20. In the input/output unit 23, the input unit and the output unit may be integrated, or the input unit and the output unit may be separated or may not be separated.

The input unit is realized by any one or combination of devices of all types capable of receiving an input from a user and transmitting information related to the input to the control unit 21. The input unit includes, by way of example and not 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 a moving image), and a microphone (operation input by voice).

The output unit is realized by any one or combination of devices of all types capable of outputting the processing result processed by the control unit 21. The output unit includes, by way of example and not limitation, a touch panel, a touch display, a speaker (audio output), a lens (for example, without limitation, 3D (three dimensions) output, hologram output), a printer, and the like.

The display unit 24 is realized by any of all types of devices capable of displaying or a combination thereof according to the display data written in the frame buffer. The display unit 24 includes, for example and without limitation, a touch panel, a touch display, a monitor (for example, without limitation, a liquid crystal display or OELD (organic electroluminescence display)), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying an image, text information, etc. in the air (may or may not be in a vacuum). Note that these display units 24 may or may not be able to display the display data in 3D.

When the input/output unit 23 is a touch panel, the input/output unit 23 and the display unit 24 may be arranged to face each other with substantially the same size and shape.

The clock unit 29A is a built-in clock of the terminal 20 and outputs time information (timekeeping information). The clock unit 29A is configured to include, for example and without limitation, a clock using a crystal oscillator, a clock using the NITZ (Network Identity and Time Zone) standard, and the like. The clock unit 29A can be expressed as a clock unit or a time information detection unit as an example without limitation.

The position calculation information detection unit 29B has a function of detecting (measuring) information necessary for the control unit 21 to calculate (measure) the position of its own terminal 20 (hereinafter, referred to as "position calculation information"). It is a department. The position calculation information detection unit 29B can be expressed as a position calculation sensor unit as an example without limitation.

The position calculation information detection unit 29B is, for example and without limitation, a satellite positioning sensor (satellite positioning sensor (satellite positioning) which is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System). Unit), an inertial measurement sensor (Inertial Measurement Unit (IMU)) which is a sensor or a unit for calculating the position of the terminal 20 using the inertial navigation system, and the like.

The satellite positioning unit includes, by way of example and not limitation, an RF receiving circuit for converting an RF (Radio Frequency) signal including a positioning satellite signal transmitted from a positioning satellite received by an antenna (not shown) into a digital signal, Information such as satellite orbit data and time data extracted from the positioning satellite signal is acquired as position calculation information by performing correlation calculation processing or the like on the digital signal output from the RF receiving circuit to capture the positioning satellite signal. It has a baseband processing circuit for outputting.

The inertial measurement unit has an inertial sensor that is a sensor that detects information necessary for calculating the position of the terminal 20 by inertial navigation calculation. The inertial sensor includes, for example and without limitation, a three-axis acceleration sensor or a three-axis gyro sensor, and the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor are used as position calculation information. Output.

The control unit 21 has a circuit physically structured to execute a function realized by a code or an instruction included in a program, and as an example and not a limitation, a data processing device incorporated in hardware. It is realized by. Therefore, the control unit 21 may or may not be expressed as a control circuit.

The control unit 21 includes, by way of example and not limitation, a central processing unit (CPU), a microprocessor, a processor core, a multiprocessor, an ASIC (application-specific integrated circuit), and an FPGA (field programmable). gate array) is included.

The storage unit 28 has a function of storing various programs and various data necessary for the terminal 20 to operate. The storage unit 28 includes, for example and without limitation, various storage media such as a hard disk drive (HDD), a solid state drive (SSD), a flash memory, a random access memory (RAM), and a read only memory (ROM). The storage unit 28 may or may not be expressed as a memory.

The terminal 20 stores the program P in the storage unit 28, and by executing the program P, the control unit 21 executes the processing as each unit included in the control unit 21. That is, the program P stored in the storage unit 28 causes the terminal 20 to realize each function executed by the control unit 21. The program P may or may not be expressed as a program module.

The microphone 25 is used to input voice data. The speaker 26 is used to output audio data. The camera 27 is used to acquire moving image data.

(2) HW Configuration of Server FIG. 1 shows an example of the HW configuration of the server 10.
The server 10 includes a control unit 11 (CPU), a storage unit 15, a communication I/F 14 (interface), an input/output unit 12, a display 13, and a clock unit 19. The components of the HW of the server 10 are connected to each other via the bus B by way of example and not limitation. The HW of the server 10 does not have to include all the constituent elements as the configuration of the HW of the server 10. By way of example and not limitation, the HW of server 10 may or may not be configured to remove display 13.

The control unit 11 has a circuit physically structured to execute a function realized by a code or an instruction included in a program, and as an example and not a limitation, a data processing device incorporated in hardware. It is realized by.

Control unit 11 is typically a central processing unit (CPU), and may or may not be a microprocessor, processor core, multiprocessor, ASIC, FPGA. In the present disclosure, the control unit 11 is not limited to these.

The storage unit 15 has a function of storing various programs and various data necessary for the server 10 to operate. The storage unit 15 is realized by various storage media such as HDD, SSD, and flash memory. However, in the present disclosure, the storage unit 15 is not limited to these. The storage unit 15 may or may not be expressed as a memory.

The communication I/F 14 sends and receives various data via the network 30. 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 14 has a function of performing communication with various devices such as the terminal 20 via the network 30. The communication I/F 14 transmits various data to various devices such as the terminal 20 according to an instruction from the control unit 11. Further, the communication I/F 14 receives various data transmitted from various devices such as the terminal 20 and transmits them to the control unit 11. Further, the communication I/F 14 may be simply expressed as a communication unit. Further, when the communication I/F 14 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input/output unit 12 is realized by a device that inputs various operations on the server 10. The input/output unit 12 is realized by any one or combination of all types of devices capable of receiving an input from a user and transmitting information related to the input to the control unit 11. The input/output unit 12 is typically realized by a hardware key typified by a keyboard or the like, or a pointing device such as a mouse. It should be noted that the input/output unit 12 may or may not include a touch panel, a camera (operation input via a moving image), and a microphone (operation input by voice), for example and not by way of limitation. However, in the present disclosure, the input/output unit 12 is not limited to these.

The display 13 is typically realized by a monitor (a liquid crystal display or an OELD (organic electroluminescence display) as an example without limitation). The display 13 may or may not be a head mounted display (HDM). It should be noted that these displays 13 may or may not be capable of displaying display data in 3D. In the present disclosure, the display 13 is not limited to these.

The clock unit 19 is a built-in clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 is configured to have, for example and without limitation, an RTC (Real Time Clock) as a hardware clock, a system clock, and the like. The clock unit 19 can also be expressed as a clock unit or a time information detection unit as an example without limitation.

(3) System Configuration of Store POS System FIG. 2 shows an example of the system configuration of the store POS system 40.
The store POS system 40 is a POS system that is installed and used in a store affiliated with a business operator (IMS business operator) who operates the server 10, and as an example and not a limitation, a shop code reader device 50, It includes a code cashier 60 and a store server 70.

The shop code reader device 50 is communicatively connected to the code cashier 60 and the shop server 70 by a POS communication I/F 57 (for example, without limitation, wired communication I/F or wireless communication I/F in the shop), and the code cashier 60 is used. At the time of checkout, the terminal display code displayed on the display unit 24 of the terminal 20 is read. Then, based on the reading of the terminal display code, information regarding payment at the terminal 20 (payment request information to be described later as an example, without limitation) is transmitted to the server 10 via the communication I/F 54, and the information on the server 10 is transmitted. Information regarding the settlement result (for example, without limitation, settlement result information for a store to be described later) is received from the server 10 via the communication I/F 54.

The store code reader device 50 includes, as a non-limiting example, a control unit 51, an input/output unit 52, a display unit 53, a communication I/F 54, a storage unit 55, a sound output unit 56, and a POS communication I/F. It has an F57 and a code reader 58.

The code reader 58 is a code reader for reading a two-dimensional code, and in the present specification, a two-dimensional code (for example, QR code (registered trademark) displayed on the display unit 24 of the terminal 20 and presented by the user of the terminal 20. )) as a two-dimensional code reader (for example, a QR code reader) for reading a terminal display code.

The code register 60 is, for example and not by way of limitation, communicatively connected to the store code reader device 50 and the store server 70 by the POS communication I/F 57, and based on the settlement result information for the store acquired by the store code reader device 50 from the server 10. , Issue a receipt with the total amount of products sold. The code cash register 60 is a cash register configured to be compatible with a payment application, and can also be called a stationary terminal compatible with a payment application.

The store server 70 is, for example and not by way of limitation, for store information about the own store, information about products sold at the own store, information about services provided at the own store, sales of products at the own store, and provision of services. It manages various information such as related sales information. The store server 70 is configured to be communicable with the store code reader device 50 and the code register 60 by the POS communication I/F 57, and is also configured to be communicable with an external device such as the server 10 via the network 30.

The store server 70 does not necessarily need to be directly communicable with the store code reader device 50, and may be communicable with the store code reader device 50 via the code register 60. For example, the shop settlement result information acquired by the shop code reader device 50 from the server 10 may be sent to the code cashier 60, and then sent from the code cashier 60 to the shop server 70.

(4) Others The server 10 stores the program P in the storage unit 15 and executes the program P, so that the control unit 11 performs processing as each unit included in the control unit 11. That is, the program P stored in the storage unit 15 causes the server 10 to realize each function executed by the control unit 11. This program P may or may not be expressed as a program module.
The same applies to other devices.

In each of the embodiments of the present disclosure, it will be described as being realized by the CPU of the terminal 20 and/or the server 10 executing the program P.
The same applies to other devices.

The control unit 21 of the terminal 20 and/or the control unit 11 of the server 10 is formed not only in a CPU having a control circuit but also in an integrated circuit (IC (Integrated Circuit) chip, LSI (Large Scale Integration)), or the like. Each process may or may not be implemented by a logic circuit (hardware) or a dedicated circuit that is created. Further, these circuits may be realized by one or a plurality of integrated circuits, and the plurality of processes shown in each embodiment may or may not be realized by one integrated circuit. Further, the LSI may be referred to as VLSI, super LSI, ultra LSI, or the like depending on the degree of integration. Therefore, the control unit 21 may or may not be expressed as a control circuit.
The same applies to other devices.

In addition, the program P of each embodiment of the present disclosure (as a non-limiting example, a software program, a computer program, or a program module) may be provided in a state of being stored in a computer-readable storage medium, It does not have to be done. The storage medium can store the program P on a “non-transitory tangible medium”. The program P may or may not be a program for realizing a part of the function of each embodiment of the present disclosure. Further, it may or may not be a so-called difference file (difference program) that can realize the function of each embodiment of the present disclosure in combination with the program P already recorded in the storage medium.

The storage medium may be one or more semiconductor-based or other integrated circuits (ICs) such as, by way of example and not limitation, a field programmable gate array (FPGA) or application specific IC (ASIC), hard disk. -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 tape, solid state It may include a 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. The storage medium is not limited to these examples, and may be any device or medium as long as it can store the program P. Further, the storage medium may or may not be expressed as a memory.

The server 10 and/or the terminal 20 can realize the functions of the plurality of functional units shown in each embodiment by reading the program P stored in the storage medium and executing the read program P.
The same applies to other devices.

The program P of the present disclosure may or may not be provided to the server 10 and/or the terminal 20 via any transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. .. By way of example and not limitation, the server 10 and/or the terminal 20 execute the program P downloaded via the Internet or the like to realize the functions of the plurality of functional units shown in each embodiment.
The same applies to other devices.

Each embodiment of the present disclosure can also be realized in the form of a data signal embedded in a carrier wave in which the program P is embodied by electronic transmission.
At least a part of the processing in the server 10 and/or the terminal 20 may or may not be realized by cloud computing configured by one or more computers.
At least a part of the processing in the terminal 20 may or may not be configured to be performed by the server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be configured to be performed by the server 10.
At least part of the processing in the server 10 may or may not be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10 may or may not be configured to be performed by the terminal 20.
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. It may or may not be.

Note that the program of the present disclosure includes, for example and without limitation, script languages such as ActionScript and JavaScript (registered trademark), object-oriented programming languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. It is implemented using.

<First Embodiment>
In recent years, network services such as IMS and SNS (Social Networking Service) have become popular.
"IMS" is a service that allows users of communication devices to send and receive messages to and from each other in order to have conversations between users of communication devices using the Internet. In this specification, the expression "IMS", which is an abbreviation for instant messaging service, is used, but it is meant in a broad sense to mean all messaging services, and is not limited to instant messaging services.
"SNS" is a service that forms a social network or community on the Internet mainly for the purpose of communicating between users of communication devices. It can be said that IMS is one form (one form) of SNS. Therefore, the IMS and the SNS may or may not be distinguished.

In addition, in connection with these network services, applications for electronic payment (application software) are becoming widespread, and the number of cases where the user of the terminal 20 uses the application for electronic payment to make payment at a store is increasing. Is coming.

The first to third embodiments are, as an example and not a limitation, an application provided by an IMS business operator, and as one function of the IMS application software (hereinafter simply referred to as “IMS application”). Alternatively, electronic payment is performed using IMS payment application software (hereinafter simply referred to as “payment application”) that is an application for electronic payment that can be used by the user of the terminal 20 as an application that operates in conjunction with the IMS application. It is an embodiment.

More specifically, in the first to third embodiments, when the user of the terminal 20 purchases a product at a store or receives a service provided by the store, electronic payment is performed using a payment application. .. At this time, the authentication for electronic payment requested to the user on the terminal 20 side is skipped when a specific condition is satisfied.

In the embodiments described below, “payment” means “electronic payment” using a payment application unless otherwise specified.
Further, unless otherwise specified, “authentication” means authenticating that the user of the terminal 20 is a legitimate user in order to make payment, and “authentication processing” means authentication for this payment. Means a process for realizing
Unless otherwise specified, the “authentication skip condition” means a condition for skipping the authentication process for settlement, and “skipping the authentication process” means ignoring the processing command of the authentication process. , Means processing the next command, that is, omitting the authentication process.
Unless otherwise specified, the “IMS money” means electronic money managed by the IMS business in the server 10 and usable by the user of the terminal 20 in the payment application.

Here, the "electronic money" is a payment means that is provided by a business operator (a business operator of IMS in the embodiment described below) and that uses information communication technology and that is an alternative to cash.
As will be described later in a modified example, the electronic currency in the present disclosure is not limited to IMS money, and can be a concept including all payment methods available to the user as a substitute for cash.
The contents described in the first embodiment can be applied to any of the other embodiments.

<Functional configuration>
(1) Functional Configuration of Server FIG. 3-1 is a diagram showing an example of functions implemented by the control unit 11 of the server 10 in the present embodiment.
The server 10 has a server main processing unit 111, an IMS processing unit 112, and a payment management processing unit 113 as functions implemented by the control unit 11.

The server main processing unit 111 has a function of executing a server main process that is a process for centrally controlling the server 10 according to the server main processing program 151 stored in the storage unit 15.

The IMS processing unit 112 has a function of executing an IMS process which is a process for realizing transmission and reception of content including an IMS message between the terminals 20 according to the IMS processing program 1512 stored in the storage unit 15. Have

The payment management processing unit 113 has a function of executing a payment management process, which is a process for executing and managing payment by IMS money, according to a payment management processing program 1513 stored in the storage unit 15.

In the present embodiment, the user of the terminal 20 uses the payment application stored in the terminal 20 to perform payment by two types of payment types, for example and without limitation, “display terminal code” and “read terminal code”. Will be described as possible.

The payment type “terminal code display” is a method in which when the user of the terminal 20 makes a payment at the store, the terminal display code displayed on the terminal 20 is displayed using the payment application stored in the terminal 20. This is a payment type for making payment by presenting the terminal display code to the store clerk at 60 and having the store code reader device 50 read the code for terminal display.

The payment type “read terminal code” is, for example, when the user of the terminal 20 makes a payment at the store, using the payment application stored in the terminal 20, and is sold at the store, around the code cashier 60, or at the store. It is a payment type for making payment by reading a terminal reading code posted in a place such as a display area (for example, a lunch area, a beverage area, a foodstuff area) corresponding to the product type of the product.

In the present embodiment, the terminal display code and the terminal reading code are each represented by a two-dimensional code. The two-dimensional code is a display type code having information in the horizontal direction and the vertical direction, and is a matrix type code in which small squares are arranged vertically and horizontally (hereinafter, referred to as “matrix code”) and a primary code. There is a stack type code (hereinafter, referred to as “stack code”) in which a plurality of original codes (barcodes as an example without limitation) are vertically stacked.

In the present embodiment, for simplicity of description, a QR code (registered trademark), which is an example of a widely used matrix code, will be described as an example of a terminal display code and a terminal reading code.

Note that unlike the present embodiment, a code such as an SP code, a Veri code, a maxi code, a CP code, or a chameleon code may or may not be used as the matrix code other than the QR code. Further, instead of the matrix code, various stack codes may or may not be used.

The payment management processing unit 113 includes, by way of example and not limitation, the terminal display code generation processing unit 1131, the terminal display code transmission processing unit 1133, the store payment result information transmission processing unit 1136, and the terminal payment result information transmission. The processing unit 1137 is included as a functional unit.

The terminal display code generation processing unit 1131 has a function of generating a terminal display code. The terminal display code generation processing unit 1131 accesses at least the settlement page, which is one of the web pages provided by the server 10, based on the reception of the terminal display code generation request information transmitted from the terminal 20. A QR code including access information for authentication and authentication information is generated as a terminal display code.

The access information includes, for example and without limitation, a URL (Uniform Resource Locator) for the store code reader device 50 that has read the terminal display code to access the settlement page. This access information can also be expressed as “link” or “link information”. Hereinafter, the URL of the payment page will be referred to as the “payment page URL”.

The authentication information is, for example, without limitation, as the authentication information necessary for the server 10 to authenticate that the terminal 20 or the user of the terminal 20 is the authorized terminal 20 or the authorized terminal 20. A token randomly issued by the server 10 is included.

The authentication information is information issued by the certification authority, and the token is authentication information issued by the server 10 acting as the certification authority to authenticate the terminal 20 or the user of the terminal 20.

The token in this embodiment can also be expressed as, for example, a “random token”, an “access token”, or a “payment token”. In this embodiment, since the tokens are randomly issued, the tokens are different each time the terminal display code is generated. Therefore, the token or the terminal display code including the token functions as a one-time password.

Further, in the present embodiment, the terminal display code generation processing unit 1131 uses, as the terminal display code, a one-dimensional code (a bar code as an example, not a limitation) in addition to a two-dimensional code (a QR code as an example, not a limitation). Also generate. This is because some stores may not be able to read the two-dimensional code but may be able to read the one-dimensional code.

Further, in the present embodiment, when the terminal display code generation processing unit 1131 generates the terminal display code, the terminal display code is associated with the valid period (for example, a period of “5 minutes” from the code generation time). And transmits it to the terminal 20. When the terminal display code displayed on the terminal 20 is read by the store code reader device 50 within this valid period, payment is possible, but after the valid period has elapsed, the terminal display code is displayed on the store code reader device 50. If it is read by, it is necessary to reacquire the terminal display code. That is, the terminal display code in this embodiment functions as a time code.

On the other hand, the terminal reading code used in the payment type “read terminal code” includes at least the payment page URL for the terminal 20 that has read the terminal reading code to access the payment page as access information. Be done.

In the present embodiment, the terminal reading code will be described as including two types of terminal reading codes.

The first type of terminal reading code (hereinafter referred to as “first type terminal reading code”) is used in stores in various industries in Japan (typically, convenience stores in Japan) and the like. Is the code. The code for reading the first-class terminal is, as an example of a usage mode, a code used to settle a product of a product type sold at a uniform price (fixed price), for example, a product such as a lunch box or a beverage. Can be

The type 1 terminal reading code is, for example and without limitation, a payment page URL corresponding to a product or a product type sold in the store, which is associated with a store operating the type 1 terminal reading code. included.

The server 10 associates a store operating the first-class terminal reading code with a store ID (an example of store identification information without limitation) of the store as an example, without limitation, and a product or a product type, The sales amount and the settlement page URL are stored and managed.

The second type of terminal reading code (hereinafter referred to as the "second type terminal reading code") is a special code and is used in a specific foreign store (typically, a Chinese food stall) or the Internet. It is a code that is used in electronic commerce, etc. Unlike the code for reading the type 1 terminal, the code for reading the type 2 terminal does not manage the product type or the sales amount on the server 10 side as an example of a usage mode, and the user of the terminal 20 purchases the code. It can be a code used to enter the amount of money of the product to be paid by itself and make a payment.

The type 2 terminal reading code includes, as an example and without limitation, a payment page URL corresponding to the store that is associated with the store operating the type 2 terminal reading code.

The server 10 stores and manages the payment page URL in association with, for example and without limitation, the store that operates the second-class terminal reading code, with the store ID of the store.

Note that, unlike the present embodiment, only one type of code of the first type terminal reading code and the second type terminal reading code may be used as the terminal reading code. That is, it is possible to use only the first type terminal reading code as the terminal reading code without dividing the terminal reading code into two types, or to use only the second type terminal reading code as the terminal reading code. Can also
In this case, in the functions, data, processing, etc. described in the present embodiment, the configuration related to the terminal reading code of a type not applicable can be deleted.

FIG. 3-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 according to this embodiment.
For example, without limitation, the storage unit 15 stores a server main processing program 151, which is read by the control unit 11 and executed as server main processing, as a program.
Further, the server main processing program 151 includes an IMS processing program 1512 read by the control unit 11 and executed as an IMS processing, and a payment management processing program 1513 executed as a payment management processing as subroutine programs.
The payment management process will be described later in detail using a flowchart.

The storage unit 15 also stores, as an example and without limitation, user registration data 153, store registration data 155, a payment management database 157, and a code management database 159 as data.

The user registration data 153 is registration data of the terminal 20 that uses the payment service and the user of the terminal 20, and an example of the data structure is shown in FIG. 3-3.
In the user registration data 153, for example, without limitation, a user name, a terminal telephone number, a terminal mail address, a user ID, an authentication password, and other registration information are stored in association with each other.

The user name is the name of the user of the terminal 20 who uses the payment service, and the name registered when the user of the terminal 20 uses the payment service is stored.

The terminal telephone number is the telephone number of the terminal 20 of the user having this user name, and the telephone number of the terminal 20 registered when the user of the terminal 20 uses the payment service is stored.
The terminal mail address is the mail address of the terminal 20 of the user having this user name, and the mail address of the terminal 20 registered when the user of the terminal 20 uses the payment service is stored.
The terminal telephone number and the terminal mail address are examples of identification information for identifying the terminal 20 (hereinafter referred to as “terminal identification information”).

The user ID is an ID that functions as identification information for identifying the user of the terminal 20, and is an ID that is set uniquely to the user who uses the payment application. For example, the user ID is not limited but is set and stored by the server 10 as a unique ID for each user.
The user ID is an example of identification information (hereinafter referred to as “user identification information”) for identifying the user of the terminal 20.

The authentication password is a password for authentication that the user is required to enter when performing authentication processing for payment (hereinafter, simply referred to as “authentication processing”) on the terminal 20 of the user having this user name. The password set by is stored.

The other registration information is other registration information of the user of this user name, and includes, for example and without limitation, a user icon image which is image data of an icon used by the user in the IMS application, a user profile, and the like. ..

The various user information described above can be stored and managed on the server 10 side as common user information for the IMS application and the payment application.

The store registration data 155 is registration data of a store affiliated with an IMS business operator (payment service business operator), and an example of the data structure is shown in FIG. 3-4.
In the store registration data 155, a business type, a store name, store position information, store POS system information, a store ID, a first specific business type flag, and a second specific business type flag are stored in association with each other as store information. It

The type of business stores the type of business of the store. This industry includes, by way of example and not limitation, various industries such as "convenience store", "supermarket", "pharmacy", "pub", "department store", "restaurant", "bookstore", "watch store". Be done.

The store name stores, for each industry, the store name of a store included (belonging to) that industry.

The location information of the location of the store with this store name (hereinafter referred to as "store location information") is stored in the store location information. This store position information may be a two-dimensional or three-dimensional position coordinate of the store location or a latitude and longitude (latitude, longitude, and in some cases altitude) of the store location. ..

The store POS system information stores information about the store POS system 40 used in this store. This store POS system information includes, for example and without limitation, information necessary for the server 10 to communicate with the store code reader device 50 and the store server 70.

Since the store POS system 40 performs processing in cooperation with the server 10, for example and without limitation, the store POS system 40 acquires a software package for a payment service provided (distributed) from the server 10 in advance and stores it in the store code reader device 50 or the store. The software package may be stored in the server 70 and used by being called from a payment processing program at a store. An application programming interface (API) is a typical example, and the shop code reader device 50 can activate the API, for example, to transmit information to the server 10 and receive information from the server 10.

Also, the server 10 receives, by way of example and not limitation, information such as the business type of the store, store name, store location information, store POS system information, etc. from the store server 70 of that store and stores it in the store registration data 155. Can be kept.

The store ID is an ID that functions as identification information for identifying the store with this store name. For example, the store ID is set as a unique ID for each store and is stored by the server 10 by way of example and not limitation.
The store ID is an example of identification information for identifying the store (hereinafter referred to as “store identification information”).

The first specific industry flag is a flag indicating whether or not this industry is a preset first type of specific industry (hereinafter, referred to as “first specific industry”). “ON” is stored in the business category corresponding to “1”, and “OFF” is stored in the business category not corresponding to the first specific business category. The first specific industry can be set in advance on the server 10 side by way of example and not limitation. In this example, “convenience store” and “supermarket”, which are industries that many users use on a daily basis, are set as the first specific industries.

The second specific industry flag is a flag indicating whether or not this industry is a preset second type of specific industry (hereinafter, referred to as “second specific industry”). “ON” is stored in the business category corresponding to the above, and “OFF” is stored in the business category not corresponding to the second specific business category. The second specific industry can also be set in advance on the server 10 side by way of example and not limitation. In this example, “Tavern”, which is a high-risk business type in which the user forgets to leave the terminal 20, is set as the second specific business type.

The payment management database 157 is a database that cumulatively stores data for managing information related to the payment of the user of each terminal 20, and an example of the data structure is shown in FIG. 3-5.
The payment management database 157 stores payment management data generated for each terminal 20 or each user of the terminal 20.

For example, without limitation, each payment management data stores the user ID of the user of the terminal 20, the balance, the IMS points, the daily upper limit set amount, the auto charge setting, and the payment history data. ..

The user ID stored in the user registration data 153 is stored as the user ID.
In the balance, the latest value of the balance (remaining amount) of the IMS money owned by the user of this user ID is stored.

The IMS points store various IMS services and points that can be accumulated at member stores affiliated with an IMS business. For example, the IMS point has a value equivalent to 1 yen per point, and can be exchanged for a gift certificate, a product, or the like, and can also be used for settlement by being cashed in a settlement application.

The daily maximum set amount stores the maximum daily amount of money that the user with this user ID can use for payment.
The auto charge setting is a setting for whether or not the IMS money is automatically replenished (auto charge) when the remaining amount is small (for example, "500 yen") or "0 yen", and the setting of the terminal 20 is performed. If the user sets the auto charge, "ON" is stored, and in other cases, "OFF" is stored. By way of example and not limitation, auto-charging can be performed from a bank account or the like registered by the user of the terminal 20.

The settlement history data is data relating to the settlement history of the user with this user ID, and as an example and without limitation, the settlement date and time that is the date and time on which the server 10 performed the settlement for the user with this user ID, and the store where the settlement was made. The store ID that is the ID of the store, the name of the settlement store that is the name of the store of the store ID, and the settlement amount that is the settlement amount are associated and stored in time series.

The code management database 159 is a database for managing the terminal display code and the terminal reading code, and includes the terminal display code management database 1591 and the terminal reading code management database 1593.

The terminal display code management database 1591 is a database for managing the terminal display code, and as a non-limiting example, the user ID stored in the user registration data 153 and the user identified by this user ID are stored. Data associated with the token included in the terminal display code generated for the terminal 20 is stored.

Note that instead of or in addition to the user ID that is the user identification information, the terminal identification information such as the terminal telephone number stored in the user registration data 153 is stored in the terminal display code management database 1591. It may or may not be.

The terminal reading code management database 1593 is a database for managing the terminal reading code, and by way of example and not limitation, data for managing the first type terminal reading code and the second type terminal reading code. And data for managing the.

Specifically, as for the code for reading the type 1 terminal, for example, without limitation, the product or product type to be sold at the store, the sales amount, and the payment page URL are associated with each store ID. The data is stored.
In addition, in the present embodiment, since products are sold for a uniform amount of money (fixed amount of money) in a store that operates the type 1 terminal reading code, the sales amount and the payment page are not associated with the product or product type. You may make it memorize|store the data linked|related with URL.

The second-class terminal reading code stores, for example, without limitation, data in which a payment page URL is associated with each shop ID.

Instead of or in addition to the store ID that is the store identification information, store POS system information stored in the store registration data 155 and contact information such as a store phone number and a store mail address are stored. It may or may not be stored in the terminal reading code management database 1593.

(2) Functional Configuration of Terminal FIG. 3-6 is a diagram showing an example of functions implemented by the control unit 21 of the terminal 20 in the present embodiment.
The terminal 20 has a terminal main processing unit 211, an IMS application processing unit 212, a payment application processing unit 213, and a position calculation processing unit 217 as the functions realized by the control unit 21.

The terminal main processing unit 211 has a function of executing a terminal main process that is a process for comprehensively controlling the terminal 20 according to the terminal main processing program 281 stored in the storage unit 28. As an example and not by way of limitation, when the terminal 20 is a mobile phone, control for performing a call with another mobile phone, a fixed telephone, or the like is performed via the communication I/F 22, or via the communication I/F 22. Control to access various websites, control to display various information on the display unit 24, analysis of various sound data input from the microphone 25, or the camera 27. A process of analyzing a still image or a moving image captured by is executed.

The IMS application processing unit 212 is a process for transmitting and receiving content to and from another user's terminal 20 via the server 10 based on the IMS application 282 stored in the storage unit 28. Has the function of executing.

The payment application processing unit 213 has a function of executing a payment application process that is a process for performing payment by communicating with the server 10 based on the payment application 283 stored in the storage unit 28.

The payment application processing unit 213 has a terminal display code acquisition processing unit 2131, a code reading processing unit 2133, an authentication skip determination processing unit 2135, and an authentication processing unit 2137 as functional units.

The terminal display code acquisition processing unit 2131 has a function of executing processing for acquiring the terminal display code from the server 10 in the payment type “terminal code display”.

The code reading processing unit 2133 has a function of executing processing for reading a terminal reading code posted in a store in the payment type “terminal code reading”.

The authentication skip determination processing unit 2135 is a process for determining whether or not to skip the authentication processing executed by the authentication processing unit 2137 according to the authentication skip determination processing program 2845 stored in the storage unit 28. It has a function of executing a judgment process.

In the present embodiment, the authentication skip determination processing unit 2135 receives the terminal display code from the server 10 based on the processing of the terminal display code acquisition processing unit 2131 in the payment type “terminal code display”, for example and not limitation. The authentication skip determination process is executed at a later timing.
Further, the authentication skip determination processing unit 2135 is, for example and not by way of limitation, in the payment type “terminal code reading”, the server 10 based on the information included in the terminal reading code read based on the processing of the code reading processing unit 2133. The authentication skip determination process is executed at a timing after receiving information about a payment schedule (hereinafter, referred to as “settlement schedule information”) from the.
However, the execution timing of these authentication skip determination processes can be changed as appropriate.

The authentication processing unit 2137 has a function of performing authentication processing according to the authentication processing program 2847 stored in the storage unit 28.
In the authentication process, for example and without limitation, a process of displaying an authentication screen for allowing the user of the terminal 20 to enter the authentication password on the display unit 24 is performed as a display process related to the execution of the authentication of the user of the terminal 20. It is determined whether the authentication password entered on the screen matches the registered authentication password.

The position calculation processing unit 217 has a function of executing a position calculation process that is a process of calculating the position of the terminal 20 of itself based on the position calculation information output from the position calculation information detection unit 29B. .. The position calculation processing unit 217 performs satellite positioning calculation based on satellite orbit data, time data, and the like output from a satellite positioning sensor (satellite positioning unit) included in the position calculation information detection unit 29B, for example, The position of the terminal 20 is calculated. In addition, the position calculation processing unit 217 performs inertial navigation calculation based on the information on the acceleration and the angular velocity output from the inertial measurement sensor (inertial measurement unit) included in the position calculation information detection unit 29B, and its own terminal. Calculate 20 positions.

Note that, unlike the present embodiment, by way of example and not limitation, a processing device or a calculation device (for example, a CPU or DSP) is provided in the position calculation information detection unit 29B, and the position calculation is performed not by the control unit 21 of the terminal 20. The usage information detection unit 29B may or may not calculate and output the position of the terminal 20.

Also, as a non-limiting example, a wireless device for enabling the terminal 20 to acquire position information, for example, a beacon that transmits a beacon signal (typically, a Bluetooth signal) is installed in a member store, and the terminal 20 The position information may or may not be acquired based on the beacon signal transmitted from the beacon installed in the store.

FIG. 3-7 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 according to the present embodiment.
By way of example and not limitation, the storage unit 28 includes a terminal main processing program 281 read by the control unit 21 and executed as terminal main processing, and a position read by the control unit 21 and executed as position calculation processing. The calculation processing program 287 is stored.

In addition, for example, without limitation, the storage unit 28 stores an IMS application 282 and a payment application 283 as application software acquired by being downloaded from the server 10 in advance.
The IMS application 282 and the payment application 283 may be one application or different applications.

In addition, the storage unit 28 stores, as an example and without limitation, terminal data 286 and calculated position history data 288.

The terminal data 286 is data relating to this terminal 20, and for example and without limitation, terminal identification information such as a terminal telephone number and a terminal mail address, lock setting “ON/OFF” on the OS side of the terminal 20, and terminal 20 This includes information such as a terminal unlock password for unlocking the OS side and terminal side authentication setting “ON/OFF”.

For example, without limitation, the position calculation processing unit 217 performs position calculation processing on the calculated position history data 288 at predetermined time intervals (for example, "every 1 minute", "every 5 minutes", "every 10 minutes"). The history of the calculated position of the terminal 20 (hereinafter, referred to as “calculated position”) is stored.

The payment application 283 includes a payment application program 284 read by the control unit 21 and executed as a payment application process, and payment application data 285 in which various data regarding the payment application are stored.

By way of example and not limitation, the payment application program 284 is read by the control unit 21 and the authentication skip determination processing program 2845 executed as the authentication skip determination process, and the payment application program 284 is read by the control unit 21 and executed as the authentication process. The authentication processing program 2847 is included as a subroutine program.

The payment application data 285 includes, for example, without limitation, authentication skip condition data 2851, payment data 2853, and store data 2855.

For example, without limitation, the store data 2855 stores store information in which the business type stored in the store registration data 155 of the server 10, the first specific business type flag, and the second specific business type flag are associated with each other.

The store data 2855 can be updated by distributing the latest store information from the server 10 to the terminal 20 at the timing of updating the IMS application 282 and the payment application 283, for example.

The authentication skip condition data 2851 is data in which an authentication skip condition that is a condition for skipping the authentication process is defined, and an example of the data structure is shown in FIG. 3-8.
The authentication skip condition data 2851 includes a condition category No that is the number of the category of the authentication skip condition, a condition No that is the number of the authentication skip condition included in the category of this condition category No, and an authentication skip condition of this condition No. The presence/absence of application indicating whether or not to apply the authentication skip condition to make a determination and the importance (priority) of the authentication skip condition are stored in association with each other. Hereinafter, each authentication skip condition and its determination method will be described in detail.

<Condition category No. “SP1”>
The condition category No. “SP1” is a category of “time”, and the authentication skip conditions of the condition Nos. “SP1-1” and “SP1-2” are included in this as an example without limitation.

As the authentication skip condition of condition No. "SP1-1", "the current date and time is within the set time from the final settlement date and time" is defined.
The “final settlement date and time” is the date and time when the payment was made last (the latest date and time when the payment was made), regardless of whether the authentication process was skipped by the terminal 20. This means that the fact that the current date and time is within the set time (for example, “within 1 hour”) from the final settlement date and time means that the settlement will be performed again within a short period of time. , Means omitting authentication.

In this determination of the authentication skip condition, for example and without limitation, the current date and time based on the time measured by the terminal unit 20 and the final settlement date and time stored in the settlement history data of the settlement data 2853. It is possible to determine whether or not the current date and time is within the set time from the final settlement date and time by acquiring and.

As the authentication skip condition of condition No. "SP1-2", "the current time is included in the set time zone" is defined. For example, the set time zone is not limited and can be set in advance by the user of the terminal 20. Specifically, for example, the user of the terminal 20 can set the time zone in which he/she frequently makes payments as the set time zone, so that the authentication can be omitted when performing the payment in the set time zone. ..

In the determination of the authentication skip condition, as an example and not by way of limitation, the terminal 20 acquires the current time based on the clocked time measured by the clock unit 29A, and determines whether the current time is included in the set time zone. It may be determined.

<Condition category No. “SP2”>
The condition category No. “SP2” is a category of “store/place”, and the authentication skip conditions of the condition Nos. “SP2-1” to “SP2-4” are included in this as an example without limitation.

As the authentication skip condition of the condition No. “SP2-1”, “previously performed payment or authentication for payment at a store scheduled for payment” is defined.
The “store to be settled” means a store to be settled (store in an unconfirmed state before settlement). That is, if payment has been made or authentication has been performed in the past at a store where payment is to be made, it means that authentication is omitted for the convenience of the user.

In this determination of the authentication skip condition, the terminal 20 includes, by way of example and not limitation, the history of the calculated position and the latest calculated position stored in the calculated position history data 288, and the payment date and time stored in the payment history data. Can be obtained, and it can be determined whether or not the calculated position that matches the latest calculated position exists in the calculated positions corresponding to the same date and time as the past settlement date and time.

As the authentication skip condition of condition No. “SP2-2”, “store set as planned settlement store” is defined. The setting store can be basically set on the server 10 side. As an example and not by way of limitation, the server 10 side may statistically aggregate stores that are frequently used by users and set the stores as set stores. This means that authentication is omitted in stores that are frequently used by users to improve user convenience.

It should be noted that it may be possible to set the setting store not on the server 10 side but on the terminal 20 side. For example, the user of the terminal 20 can cause the terminal 20 to set a store that the user frequently uses as a set store. Further, for example, the user of the terminal 20 sets a store near a home as a set store as a store set as a store in a specific type of industry (for example, a convenience store), but stores other stores as a risk store. It is also possible not to set as.

In this determination of the authentication skip condition, the terminal 20 is, for example and not by way of limitation, the history of the calculated position stored in the calculated position history data 288, the payment store name stored in the payment history data, and the store data 2855. The store information stored in the store is acquired, and it is determined whether or not the calculated position corresponding to the latest calculated position exists in the calculated positions corresponding to the same date and time as the settlement date and time at the past set store. You can

As the authentication skip condition of the condition No. "SP2-3", "a store to be settled is a store of the first specific industry" is defined. As described above, as described above, the first specific business category is defined as a business category that many users routinely use, such as “convenience store” and “supermarket”. When making payments at these stores, it means omitting authentication for the convenience of the user.

In this determination of the authentication skip condition, the terminal 20 is, for example and not by way of limitation, the history of the calculated position stored in the calculated position history data 288, the payment store name stored in the payment history data, and the store data 2855. Of the first specific industry flag stored in, and matches the latest calculated position among the calculated positions corresponding to the same date and time as the past settlement date and time at the store with the first specific industry flag “ON”. It is possible to determine whether or not there is a calculated position to be processed.

As the authentication skip condition of condition No. "SP2-4", "more than a set time from the settlement date and time at the store of the second specific industry" is defined. As described above, as the second specific business type, it is possible to set a business type having a high risk that the user forgets to leave the terminal 20, such as “Tavern”. Further, as the set time, for example, "3 hours", "6 hours", "12 hours" can be set in advance. When payment is made at a store where there is a high risk of leaving the terminal 20 behind, authentication is required from the payment date and time until the set time is exceeded, but when the set time is exceeded from the payment date and time, the authentication is omitted. Means

In this determination of the authentication skip condition, the terminal 20 stores the current date and time based on the clock time measured by the clock unit 29A and the payment history data of the payment data 2853 in the storage unit 28 as an example, without limitation. Whether the settlement date and time and the second specific industry flag stored in the store data 2855 are acquired, and whether the current date and time exceeds the set time from the settlement date and time at the store with the second specific industry flag “ON” Can be determined.

<Condition category No. “SP3”>
The condition category No. “SP3” is a category of “amount of money”, and the authentication skip condition of the condition Nos. “SP3-1” to “SP3-3” is included in this as an example without limitation.

As the authentication skip condition of condition No. “SP3-1”, “one day upper limit set amount of money is not exceeded” is defined.
The “one day upper limit set amount” is an upper limit set amount which is a threshold for the total amount of the settlement amount (settled amount) already settled in the day. That is, if the total amount of payments already settled in the day does not exceed the daily maximum set amount, it means that authentication is omitted for the convenience of the user.

On the other hand, if the total amount of payments already settled in one day exceeds the set daily limit, it is possible to confirm that you are spending too much money by making authentication. You can call attention. In addition, when a minor or the like makes a payment, a guardian can limit the use.

In the determination of the authentication skip condition, the terminal 20 is, for example and not by way of limitation, the total amount of the daily upper limit set amount stored in the settlement data 2853 and the daily settlement amount specified from the settlement history data. It is possible to obtain and to determine whether the total amount exceeds the daily maximum limit amount.

As the authentication skip condition of condition No. "SP3-2", "the balance is less than or equal to the set amount (or less than the set amount) and the auto charge setting is OFF" is defined. For example, the set amount of money can be set in advance by the user of the terminal 20 without limitation. This is because if the balance is less than or equal to the set amount (or less than the set amount), the user cannot purchase a high-priced product by payment, and the risk is low, so for the convenience of the user, Omit authentication.

However, if the auto charge setting is “ON”, the IMS money is automatically replenished, so that the user can purchase a large amount of merchandise by payment, which causes a risk. Therefore, in addition to the balance being less than or equal to the set amount (or less than the set amount), the auto-skip setting is “OFF” as a condition for the authentication skip.

In this case, if the auto charge setting is "ON", the authentication process is not skipped in principle even if the balance is less than (or less than) the set amount. However, considering the convenience of the user as described above, the authentication process can be skipped even when the auto charge setting is “ON”. In this case, by way of example and not limitation, the auto-charge setting OFF may be excluded from the authentication skip condition of the condition No. “SP3-2”, and the balance may be set to the set amount or less (or less than the set amount). In other words, even if the auto charge setting is "ON", the authentication process does not necessarily have to be required. If the auto charge is "ON", the balance is less than (or less than) the set amount. For example, the authentication process may be performed or the authentication process may not be performed.

In the determination of the authentication skip condition, the terminal 20 acquires the balance and the auto-charge setting stored in the payment data 2853 as an example and not a limitation, and the balance is equal to or less than the set amount (or less than the set amount). Moreover, it is possible to determine whether or not the auto charge setting is “OFF”.

As the authentication skip condition of condition No. "SP3-3", "within a proper range of payment frequency or payment amount per month" is defined. For example, the average value, the maximum value, and the mode value of the settlement frequency per month in the past predetermined period (past 6 months or the past year) are used as the threshold frequency, and the average settlement amount per month in the same past past period is also set. The value, the maximum value, and the mode value are calculated as the threshold amount of money. Then, by performing the payment, if the payment frequency exceeds the threshold frequency or the payment amount exceeds the threshold amount, the authentication is performed, and in other cases, the authentication is omitted.

In the determination of the authentication skip condition, the terminal 20 is, for example, without limitation, the settlement frequency and the settlement amount calculated from the settlement history data stored in the settlement data 2853, and the threshold stored in the storage unit 28. It is possible to acquire the frequency and the threshold amount and determine whether the settlement frequency exceeds the threshold frequency and whether the settlement amount exceeds the threshold amount.

The above authentication skip condition may or may not be based on the number of payments made by IMS money (the number of payments) instead of the condition based on the frequency of payments made by IMS money (settlement frequency). Good. In addition, the payment frequency may be set within a proper range, the number of payments may be within a proper range, and the payment amount may be within a proper range. May be.

As the authentication skip condition of the condition No. "SP3-4", "the planned payment amount is less than or equal to the set amount (or less than the set amount)" is defined. The set amount of money is set in a range such as "10,000 yen" or "20,000 yen" which is not so high as the amount to be settled at one time, based on common sense and common sense. be able to.
“Scheduled payment amount” means the amount of money to be settled from now on (amount in an unconfirmed state before payment). That is, when the amount of money to be settled is not so high, it means that the authentication is omitted for the convenience of the user.

In this determination of the authentication skip condition, the terminal 20 acquires the planned settlement amount from the server 10 and determines whether the planned settlement amount is equal to or less than the set amount (or less than the set amount), as an example and not a limitation. You can

However, in the present embodiment, in the payment type “display terminal code”, the terminal 20 executes the authentication skip determination process at a timing after receiving the terminal display code from the server 10. However, at this timing, the terminal 20 has not yet acquired the settlement schedule information from the server 10, and the planned settlement amount is unknown. Therefore, in the present embodiment, the authentication skip condition of the condition number “SP3-4” is not applicable to the payment type “display terminal code”, and is applicable only to the payment type “read terminal code” “◯”. And

<Condition category No. “SP4”>
The condition category No. “SP4” is a “product” category, and includes, for example and without limitation, authentication skip conditions of condition Nos. “SP4-1” and “SP4-2”.

As the authentication skip condition of the condition No. “SP4-1”, “purchased planned product is daily consumer goods” is defined.
The “purchased product” means a product (a product in an unconfirmed state before payment) that is scheduled to be purchased after payment. In other words, if the product that is scheduled to be settled and purchased is a daily consumer product, it means that authentication is omitted for the convenience of the user.

As the authentication skip condition of condition No. “SP4-2”, “there is a purchase history of a planned purchase product” is defined. This means that if the product to be purchased matches the product purchased by the user of the terminal 20 more than once, authentication is omitted for the convenience of the user.

In order to determine these authentication skip conditions, it is necessary for the terminal 20 to acquire information regarding the product to be purchased. However, in the present embodiment, the information regarding the planned purchase product is not transmitted from the server 10 to the terminal 20 for both the payment types “display terminal code” and “read terminal code”. Therefore, the terminal 20 cannot determine the authentication skip condition included in the condition category No. “SP4 (product)”.

In the present embodiment, with respect to the payment type “read terminal code”, the success or failure of the authentication skip conditions of condition Nos “SP4-1” and “SP4-2” is determined by using a method described below as an alternative method.

First, regarding the authentication skip condition of condition No. “SP4-1”, the terminal 20 reads the terminal reading code, and then accesses the payment page based on the payment page URL included in the terminal reading code, The store ID and the sales amount associated with this payment page URL are acquired from the server 10. Then, when the store identified by the store ID acquired from the server 10 is a store of the first specific industry and the sales amount is less than or equal to the threshold amount (or less than the threshold amount), the terminal 20 purchases the planned product. Is a consumer product.

Next, regarding the authentication skip condition of condition No. “SP4-2”, the terminal 20 reads the terminal reading code, then accesses the payment page in the same manner as above, and stores the shop associated with the payment page URL. The ID and the sales amount are acquired from the server 10. Then, the terminal 20 determines whether or not the payment store ID and the payment amount stored in the payment history data include the payment store ID and the payment amount that respectively match the store ID and the sales amount acquired from the server 10. It is determined that if there is a match, it is determined that there is a purchase history of the item to be purchased.

<Condition category No. “SP5”>
The condition category No. “SP5” is a “security” category, and includes, for example and without limitation, the authentication skip condition of the condition No. “SP5-1”.

“Terminal locked or payment application locked” is defined as the authentication skip condition for condition No. “SP5-1”. This is because when the OS (Operating System) side of the terminal 20 is locked or the payment application side is locked, in order to unlock these locked states, the terminal unlock password and the payment are set, respectively. Authentication by entering the application lock release password etc. is required. Therefore, for the convenience of the user, it means that authentication for payment is not required.

In this determination of the authentication skip condition, the terminal 20 includes, for example and without limitation, information on whether the OS of the terminal 20 is locked on the OS side stored in the terminal data 286 and the payment application side stored in the payment application data 285. It is possible to determine whether or not the terminal is locked or the payment application is locked by acquiring the information regarding the presence or absence of the lock.

<Condition category No. “SP6”>
The condition category No. “SP6” is a category of “authentication setting”, and the authentication skip condition of the condition No. “SP6-1” is included as an example without limitation.

As the authentication skip condition of condition No. "SP6-1", "terminal side authentication setting OFF or payment application side authentication setting OFF" is defined.
Authentication on the terminal side is various kinds of authentication required by the user on the terminal 20 side, including user authentication of the user. The authentication on the payment application side is authentication required by the user when performing payment using the payment application.
This means that the authentication is omitted if the user of the terminal 20 has set the terminal 20 to omit the authentication, or if the payment application side has made the setting to omit the authentication. ..

In this determination of the authentication skip condition, the terminal 20 stores, for example, without limitation, the terminal-side authentication setting stored in the terminal data 286 and the condition stored in the authentication skip condition user setting data of the payment data 2853. The condition-specific setting flag of No "SP6-1" is acquired, and it is determined whether or not at least one of the terminal-side authentication setting and the payment application-side authentication setting is "OFF". can do.

For each of the above authentication skip conditions, whether or not to apply the authentication skip condition to perform the authentication skip determination is determined for each payment type.

Specifically, for the payment type “display terminal code”, as an example without limitation, the condition skip conditions “SP3-3”, “SP3-4”, “SP4-1”, and “SP4-2” are skipped. Is set to not applicable "x", and is applied to other authentication skip conditions is set to "○".

The authentication skip condition of the condition No. "SP3-3" is set to "not applicable" because the terminal 20 cannot acquire the information about the expected payment amount and the expected payment amount is the payment type "terminal code display". This is because it cannot be determined whether or not it is within the appropriate range. However, since it is possible to determine whether or not the settlement frequency is within the proper range, the determination as to whether or not the planned settlement amount is within the proper range may or may not be omitted. ..

Similarly, the authentication skip condition of condition No. "SP3-4" is set to "not applicable" because the terminal 20 cannot acquire information about the planned payment amount and the planned payment amount is equal to or less than the set amount (or is set). This is because it cannot be determined whether or not the amount is less than the amount.

In addition, the authentication skip conditions of condition Nos. “SP4-1” and “SP4-2” are set to “not applicable” in the payment type “terminal code display”, as described above, the terminal 20 purchases. Because it is not possible to obtain information about the planned product, it is not possible to determine whether the planned product is a daily consumer product or whether there is a purchase history of the planned product. is there.

On the other hand, the payment type “read terminal code” is not applicable to the authentication skip conditions of condition Nos. “SP4-1” and “SP4-2” in principle, but is not applicable, but is described above. Since it can be applied by an alternative method, "x (○)" is defined.

Also, as an example and not limitation, for each of the above authentication skip conditions, “importance” that is an index value indicating the degree of importance of the authentication skip condition (“priority indicating the degree to which the authentication skip condition is preferentially applied” It can be said that the “degree”) is set for each payment type. For example, the importance is represented by three levels of “A” to “C”, and the importance is determined so that “A” has the highest importance and “C” has the lowest importance. Has been.

Specifically, as for the payment type “display terminal code”, for example, without limitation, condition numbers “SP1-1”, “SP2-1”, “SP2-4”, “SP3-1”, “SP3-”. 2", "SP5-1", "SP6-1" authentication skip conditions are set to importance "A", and condition Nos "SP2-2" and "SP2-3" authentication skip conditions are important. “B” is defined, and the importance level “C” is defined as the authentication skip condition of condition number “SP1-2”. In addition, since the authentication skip conditions of the condition numbers “SP3-3”, “SP3-4”, “SP4-1”, and “SP4-2” are not applicable, “- (none)” is set as the importance. Has been.

Regarding the payment type “read terminal code”, as an example without limitation, condition numbers “SP2-1”, “SP2-4”, “SP3-4”, “SP4-1”, “SP4-2”, The degree of importance "A" is set as the authentication skip condition of "SP6-1", and the condition numbers "SP1-1", "SP2-2", "SP2-3", "SP3-1", and "SP3-2" are set. , "SP5-1" authentication skip condition is assigned importance "B", and condition Nos "SP1-2" and "SP3-3" authentication skip conditions are assigned importance "C". There is.

It should be noted that the above-mentioned setting of importance is merely an example, and it goes without saying that the setting can be changed appropriately. Further, in the above, the application/non-application or importance is defined for each authentication skip condition (for each condition No), but instead of this, the application/non-application or importance for each authentication skip condition category (condition category No) is set. May or may not be set in advance.

Further, in the present embodiment, the importance is set in association with the authentication skip condition, but the setting of the importance is not an indispensable requirement, and it is possible not to set the importance. That is, in the above authentication skip condition data 2851, the column of importance may not be provided.
In this case, in the authentication skip determination process, by way of example and not limitation, the success or failure of the authentication skip condition is determined in an arbitrary order, and it is determined that the authentication process is skipped when any of the authentication skip conditions is satisfied. You can do it.

The information indicated by the category of the authentication skip condition in the above authentication skip condition data 2851 and the information used for the determination of each authentication skip condition included in each category are information related to IMS money (an example of electronic money, not limitation). include.

Specifically, for example, the category of "SP1 (time)" includes information about time when payment is made by IMS money, but this information can be said to be information about IMS money in a broad sense.
In addition, for example, the category of “SP2 (store/place)” includes information about a place where payment is made by IMS money and information about a store where payment is made by IMS money. It can be said that the information is about IMS money.
Further, for example, the “SP3 (amount of money)” category includes information about the amount of IMS money, but this information can be said to be information about IMS money in a broad sense.
Further, for example, the category of “SP4 (product)” includes information about a product purchased by IMS money, but this information can be said to be information about IMS money in a broad sense.

Note that the meaning of the term "information about" is the same for other examples, and thus the description thereof is omitted.

FIG. 3-9 is a diagram showing an example of the data configuration of the payment data 2853.
The payment data 2853 includes a user ID, an authentication password, a payment application unlock password that is a password for unlocking the locked state of the payment application, an IMS point, a balance, a daily maximum limit amount, and an auto. The charge setting, the payment history data, the authentication skip condition setting, and the authentication skip condition user setting data are stored.

The payment history data stores the same data as the payment history data stored in the payment management data of this user ID, which is managed by the payment management database 157 of the server 10. For example, without limitation, this payment history data includes the payment date and time, the payment store ID, the payment store name, and the payment amount after the payment is made by the server 10 from the server 10 to the terminal 20. The history is stored as payment history data.

The authentication skip condition setting is a setting relating to the authentication skip condition used by the own terminal 20 for the authentication skip determination. The authentication skip condition setting includes, for example and without limitation, “user setting” and “automatic setting”.

The “user setting” is a setting for performing the authentication skip determination by applying the authentication skip condition determined based on the selection/determination operation of the user of the terminal 20 from the authentication skip conditions defined in the authentication skip condition data 2851. is there.
The “automatic setting” is a setting for performing the authentication skip determination by using the authentication skip condition automatically determined by the terminal 20 from the authentication skip conditions defined in the authentication skip condition data 2851.

The authentication skip condition user setting data is setting data relating to the above authentication skip condition setting “user setting”, and an example of the data structure is shown in FIG. 3-10.
In the authentication skip condition user setting data, a condition category No, a condition No, a setting type, a condition category-specific setting flag, and a condition-specific setting flag are stored in association with each other.

The condition category No and the condition No store the condition category No and the condition No defined in the authentication skip condition data 2851, respectively.

As the setting type, one of “by condition category” and “by condition” is stored.
The setting type “by condition category” is a type for the user of the terminal 20 to set an authentication skip condition to be applied for each condition category. In other words, this setting type “by condition category” is used when making a setting to apply the authentication skip condition collectively for each category.
The setting type “by condition” is a type for the user of the terminal 20 to set an authentication skip condition to be applied for each condition. That is, when setting the authentication skip condition individually for each condition, this setting type “by condition” is used.

The setting flag by condition category is a flag indicating whether or not the authentication skip condition included in the condition category No is applied when the setting type is “by condition category”. “ON” is set in association with the condition category No, and “OFF” is set in association with the condition category No for condition categories that are not applicable.

The condition-specific setting flag is a flag that indicates whether or not to apply the authentication skip condition of the condition No. when the setting type is “conditional”, and the condition to be applied is associated with the condition No. “ON” is set, and for a condition that does not apply, “OFF” is set in association with the condition number. By way of example and not limitation, as for the category in which the condition category-specific setting flag is set to “ON”, all the condition-specific setting flags are also set to “ON”.

(3) Functional Configuration of Store Code Reader Device FIG. 2 shows an example of functions implemented by the control unit 51 of the store code reader device 50 in this embodiment.
The store code reader device 50 has a store code reader device main processing unit 511 and a store settlement processing unit 513 as functions realized by the control unit 51.

The store code reader device main processing unit 511 is a process for centrally controlling the store code reader device 50 according to the store code reader device main processing program 551 stored in the storage unit 55. Has the function of executing.

The store settlement processing unit 513 has a function of executing a store settlement process, which is a process related to settlement at the own store, according to the store settlement processing program 5511 stored in the storage unit 55.

FIG. 2 shows an example of information stored in the storage unit 55 of the store code reader device 50 according to this embodiment.
For example, without limitation, the storage unit 55 stores a store code reader device main processing program 551 that is read by the control unit 51 and executed as the store code reader device main processing. Further, the store code reader device main processing program 551 includes, as a subroutine program, a store settlement processing program 5511 read by the control unit 51 and executed as store settlement processing.
The store settlement process will be described later in detail using a flowchart.

<Payment method>
A payment method using the payment application according to the present embodiment will be described with reference to a display screen example displayed on the display unit 24 of the terminal 20.

(1) Payment type “Terminal code display”
FIG. 3-11 to FIG. 3-14 are screen diagrams for explaining the flow of payment in the case of no authentication skip in the payment type “display terminal code”.

FIG. 3-11 is a diagram showing an example of the payment application screen displayed on the display unit 24 of the terminal 20.
This payment application screen is a display screen that is displayed when the payment application is activated, and the name of the payment application, "IMS Pay," is displayed at the top of the screen. The balance (here, "3000 yen") is displayed in the frame below it, and a charge button for charging the amount is displayed next to the balance. Further, below that, a plurality of function icons corresponding to various functions of the payment application are displayed.

Among these function icons, the icon shown as “code” is a “code icon” for acquiring the terminal display code from the server 10 when making a payment with the payment type “terminal code display”. Further, the icon shown as “code reader” is a code reader (which is provided as a function of the payment application so that the terminal 20 can read the code for reading the terminal when making a payment with the payment type “read terminal code”. Hereinafter, this is a code reader icon for activating "application code reader".

FIG. 3-12 is a diagram showing an example of an authentication screen displayed when the “code icon” is touched by the user of the terminal 20 on the payment application screen.
This authentication screen is displayed when it is not determined in the authentication skip determination process described later that the authentication process is skipped.
In this authentication screen, the message "Please enter the password you are currently using." is displayed along with the words "Password" (authentication password), and the entered password is displayed below it. Password display The fields and the keyboard for entering the password are displayed.

FIG. 3-13 is a diagram showing an example of the terminal display code screen displayed when the authentication result is “OK” in the authentication process based on the password input on the authentication screen.
On this terminal display code screen, the character "code" is displayed at the top of the screen, and below that, there is an IMS point tab for setting the payment method and whether or not to make payment using IMS points. It is displayed. Further, below that, a terminal display code represented by a bar code and a terminal display code represented by a QR code are displayed as the terminal display code transmitted from the server 10 and received by the terminal 20. ing. Further, the valid period is set to these terminal display codes as described above, and the remaining valid period is displayed in a countdown format in association with the terminal display code.

The user of the terminal 20 presents the above-described terminal display code screen to the store clerk at the code cashier 60 and causes the shop code reader device 50 to read the terminal display code to perform payment. In this case, the shop code reader device 50 accesses the payment page based on the payment page URL included in the read terminal display code and transmits the information necessary for payment.

FIG. 3-14 is a diagram showing an example of a payment completion screen displayed on the terminal 20 when the payment by the server 10 is completed.
On this payment completion screen, you can check the details from the "Payment history" along with the words "Payment completed" in the center of the screen of the terminal display code screen in Fig. 3-13. ", and a "confirmation icon" for confirming the payment history are displayed in a pop-up format.

FIGS. 3-15 and 3-16 are screen diagrams for explaining the flow of payment in the case where authentication skip is performed in the payment type “terminal code display”.
FIG. 3-15 shows the same payment application screen as in FIG. 3-11, and FIG. 3-16 shows the same terminal display code screen as in FIG. 3-13.

When the “code icon” is touched by the user of the terminal 20 on the payment application screen of FIG. 3-15, and when it is determined to skip the authentication process in the authentication skip determination process described later, the terminal display of FIG. 3-16 is displayed. The display switches to the code screen. That is, the display is switched from the payment application screen to the terminal display code screen without displaying the authentication screen of FIG. 3-12.

(2) Payment type “read terminal code”
As described above, the payment type “read terminal code” includes two types: a case of reading a code for reading a type 1 terminal and a case of reading a code for reading a type 2 terminal. Each of these will be described.

(2-1) Code for reading type 1 terminal FIG. 3-17 shows the same payment application screen as in FIG. 3-11, showing a state where the “code reader icon” of the function icons is tapped. ing.
When the code reader icon is tapped by the user, the application code reader is activated and a reading standby screen as shown in FIG. 3-18 is displayed on the display unit 24. In this state, when the terminal 20 is moved so that the two-dimensional code is included in the frame at the center of the screen, the two-dimensional code is read by the application code reader.

FIG. 3-19 is a diagram illustrating an example of a display screen displayed on the display unit 24 when the two-dimensional code is read by the application code reader, and the first-class terminal reading code is read by the application code reader. The state is shown.
When the first-class terminal reading code is read by the terminal 20, the terminal 20 accesses the payment page based on the URL included in the read first-class terminal reading code, and transmits information necessary for payment. To do.

FIG. 3-20 is a diagram illustrating an example of a payment page screen displayed on the display unit 24 of the terminal 20.
On the top of the screen, the settlement page (here, “XXX SHOP”), the date of settlement (here, “2018/10/24”), and the planned settlement amount (here, “480” Yen)) is displayed underneath, and a payment method and an IMS point tab for setting whether or not to make a payment using IMS points are displayed below it. A payment execution icon for executing the payment indicated as "payment" is displayed on the screen.

FIG. 3-21 is a diagram showing an example of a settlement completion screen displayed when the settlement execution icon is tapped by the user of the terminal 20 on the settlement page screen.
On this payment completion screen, you can check the details from the "Payment history" along with the text "Payment completed" in the center of the payment page screen. ", and a "confirmation icon" for confirming the payment history are displayed in a pop-up format.

(2-2) Second-Type Terminal Reading Code FIGS. 3-22 to 3-24 show display screens similar to those in FIGS. 3-17 to 3-19.
FIG. 3-25 is a diagram showing an example of a scheduled payment amount input setting screen displayed when the terminal 20 accesses the server 10 after reading the type 2 terminal reading code.
On this scheduled payment amount input setting screen, a scheduled payment store (here, "XXX SHOP") is displayed together with the icon image of the user of the terminal 20, and the input scheduled payment amount is displayed below it. An amount display field, a current balance, and a keyboard for inputting a planned settlement amount are displayed.

In this scheduled payment amount input setting screen, as shown in, for example, FIG. 3-26, the scheduled payment amount is input by the user of the terminal 20 (here, “480 yen”), and the “completion icon” displayed below it. When is tapped, the keyboard is hidden and, for example, as shown in FIG. 3-27, a payment execution icon for executing the payment, which is “payment”, is displayed. Then, when the settlement execution icon is tapped by the user of the terminal 20, a settlement completion screen is displayed as shown in 3-28, for example.

<Process>
FIG. 3-29 to FIG. 3-32 are flowcharts showing an example of the flow of processing executed by each device in the present embodiment.
In these figures, in order from the left side, the first payment application process, which is an example of the payment application process executed by the payment application processing unit 213 of the terminal 20, and the store payment process executed by the store payment processing unit 513 of the store code reader device 50. 3 illustrates a first store payment process, which is an example, and a first payment management process, which is an example of a payment management process executed by the payment management processing unit 113 of the server 10.

Each step in each process is indicated by a combination of uppercase letters and numbers in the alphabet, and the term of step is omitted in this specification.
Further, the flowcharts described below merely exemplify the processing in the present embodiment, and some steps may not be executed or additional steps may be inserted in the flowcharts described below.

First, the payment application processing unit 213 of the terminal 20 receives a user's operation for terminal payment on the input/output unit 23 (A1). Then, the payment application processing unit 213 determines the payment type based on the received terminal payment operation (A3).

If the payment type is “display terminal code” (A3: display terminal code), the terminal display code acquisition processing unit 2131 uses the communication I/F 22 to send the terminal display code generation request information including the user ID to the server. 10 (A5).

The server 10 determines whether or not the terminal display code generation request information is received from the terminal 20 by the communication I/F 14 (C1), and if it is determined that the terminal display code generation request information is received (C1; Yes), the terminal display code generation is performed. The processing unit 1131 performs a terminal display code generation process (C3).

Specifically, as a non-limiting example, a random token is issued by using a method (algorithm) for generating a random token. Then, a terminal display code including the access information and the issued token is generated. More specifically, for example, data composed of a URL character string of a website provided by the server 10 and a token character string (eg, a parameter portion starting with a “?” symbol) is encoded. , Generate a terminal display code represented by a two-dimensional code image. Further, the user ID included in the received terminal display code generation request information and the issued token are associated and stored in the terminal display code management database 1591.

Next, the terminal display code transmission processing unit 1133 transmits the generated terminal display code to the terminal 20 via the communication I/F 14 (C5).

When the settlement application processing unit 213 receives the terminal display code from the server 10 via the communication I/F 22 (A7), the settlement application processing unit 213 executes the first authentication skip determination processing according to the authentication skip determination processing program 2845 stored in the storage unit 28. Execute (A9).

FIG. 3-33 is a flowchart illustrating an example of the flow of the first authentication skip determination process. Note that, in order to distinguish it from the authentication skip determination process in the other embodiment, it is referred to as “first authentication skip determination process” for convenience.

First, the authentication skip determination processing unit 2135 determines the payment type (D1). When it is determined that the payment type is “display terminal code” (D1; display terminal code), the authentication skip determination processing unit 2135 determines the authentication skip condition setting stored in the payment data 2853 ( D3).

When it is determined that the authentication skip condition setting is “user setting” (D3; user setting), the authentication skip determination processing unit 2135 causes the authentication skip condition user setting data stored in the payment data 2853 to be the authentication skip condition. The authentication skip condition to be applied is determined based on the user setting and the application presence/absence defined in “payment type: terminal code display” of the authentication skip condition data 2851 (D5).

Specifically, by way of example and not limitation, among the authentication skip conditions in which “◯” is stored in association with the application/non-application of “payment type: terminal code display” of the authentication skip condition data 2851, the authentication skip condition user setting In the data, the “by condition category” is stored as the setting type, and the authentication skip condition included in the condition category in which “ON” is stored as the setting flag by condition category and the “by condition” as the setting type And the authentication skip condition in which “ON” is stored in the condition-based setting flag is determined as the authentication skip condition to be applied.

If it is determined that the authentication skip condition setting is “automatic setting” (D3; automatic setting), the authentication skip determination processing unit 2135 is set to “settlement type: terminal code display” of the authentication skip condition data 2851. The authentication skip condition to be applied is determined based on whether or not the application is applied and the degree of importance (priority) (D7).

Specifically, as an example and not limitation, of the authentication skip conditions in which “◯” is stored in association with the application/non-application of “payment type: terminal code display” of the authentication skip condition data 2851, for example, the importance is “ The authentication skip condition associated with “A” or “B” is determined as the authentication skip condition to be applied.

On the other hand, if it is determined that the payment type is “read terminal code” (D1; read terminal code), the authentication skip determination processing unit 2135 sets the authentication skip condition setting stored in the payment data 2853 of the storage unit 28. Is determined (D9).

If it is determined that the authentication skip condition setting is “user setting” (D9; user setting), the authentication skip determination processing unit 2135 causes the authentication skip condition user setting data authentication skip condition stored in the payment data 2853. The authentication skip condition to be applied is determined based on the user setting and the payment type of the authentication skip condition data 2851: application/non-application defined for reading the terminal code (D11).

Specifically, by way of example and not limitation, among the authentication skip conditions in which “◯” is stored in association with whether or not “payment type: read terminal code” of the authentication skip condition data 2851 is stored, the authentication skip condition user setting In the data, the “by condition category” is stored as the setting type, and the authentication skip condition included in the condition category in which “ON” is stored as the setting flag by condition category and the “by condition” as the setting type And the authentication skip condition in which “ON” is stored in the condition-based setting flag is determined as the authentication skip condition to be applied.

If it is determined that the authentication skip condition setting is “automatic setting” (D9; automatic setting), the authentication skip determination processing unit 2135 is set to “settlement type: read terminal code” of the authentication skip condition data 2851. The authentication skip condition to be applied is determined based on whether or not the application is applied and the degree of importance (priority) (D13).

Specifically, by way of example and not limitation, of the authentication skip conditions in which the payment type of the authentication skip condition data: 2851: “○” is associated with the application/non-application of the terminal code reading and stored, for example, “A” is assigned to the importance level. Alternatively, the authentication skip condition associated with “B” is determined as the authentication skip condition to be applied.

After D5, D7, D11, or D13, the authentication skip determination processing unit 2135 acquires information necessary for determining each of the determined authentication skip conditions (D15). The information necessary for the determination of each authentication skip condition and the determination method thereof are as described above.

After that, the authentication skip determination processing unit 2135 determines whether or not the authentication skip condition is satisfied (D17). Specifically, the success or failure of each authentication skip condition determined in D5, D7, D11, or D13 is determined based on the information acquired in D15. Then, for example, when at least one authentication skip condition is satisfied, it is determined that the authentication process is skipped, and in other cases, it is determined that the authentication process is not skipped. Then, the authentication skip determination processing unit 2135 ends the first authentication skip determination processing.

It should be noted that the method of determining the authentication skip condition and the method of determining the success or failure of the authentication skip condition described above are merely examples, and are not limited thereto.

Specifically, as an example and not limitation, only the authentication skip condition in which “A” is associated with the degree of importance may or may not be determined as the authentication skip condition to be applied. Also, the authentication skip condition of importance “C” may or may not be included in the applied authentication skip condition.

Further, as a non-limiting example, for the authentication skip condition associated with “A” in importance, it is determined that the authentication process is skipped when at least one authentication skip condition is satisfied, but the importance is “B”. With respect to the authentication skip condition associated with “,” it may or may not be determined to skip the authentication process when all the authentication skip conditions are satisfied.

Returning to the main processing, the payment application processing unit 213 determines whether or not it is determined to skip the authentication processing in the first authentication skip determination processing (A11). When it is determined to skip the authentication process (A11; Yes), the payment application processing unit 213 moves the process to A19.

On the other hand, when it is determined that the authentication process is not skipped (A11: No), the authentication processing unit 2137 performs the authentication process (A13). Specifically, the authentication screen is displayed on the display unit 24, and the user is prompted to input the authentication password. Then, if the input authentication password matches the authentication password stored in the payment data 2853 of the storage unit 28, the authentication result is set to “OK”. On the other hand, if the authentication passwords do not match, the authentication result is set to "NG".

If the authentication result is determined to be "NG" in the authentication processing (A15; No), the payment application processing unit 213 executes error processing (A17). Specifically, for example, a notification prompting the user to input the authentication password again is performed. Then, the payment application processing unit 213 returns the processing to A13.

After that, the settlement application processing unit 213 displays the terminal display code on the display unit 24 (A19). At this time, the payment application processing unit 213, together with the terminal display code, a message (code reading instruction display) or the like instructing the user of the terminal 20 to have the store code reader device 50 read the terminal display code. It may or may not be displayed on the display unit 24.

The store settlement processing unit 513 of the store code reader device 50 receives a store settlement operation performed by the store clerk on the input/output unit 52 (B1). Then, the store payment processing unit 513 determines whether or not the payment type is “display terminal code” based on the received store payment operation (B3).

If the payment type is “display terminal code” (B3; Yes), the store payment processing unit 513 performs a planned payment amount setting process (B5). Specifically, the amount of the product to be sold is set as the “planned settlement amount” based on the amount input operation by the store clerk on the input/output unit 52.

After that, the store payment processing unit 513 issues a terminal display code reading instruction notification (B7). Specifically, for example, a message for instructing to read the terminal display code is displayed on the display unit 53, or a sound for instructing to read the terminal display code is output from the sound output unit 56. , Inform the store clerk. In response to the terminal display code reading instruction notification, the store clerk prompts the user of the terminal 20 to present the terminal display code.

When the terminal display code displayed on the display unit 24 of the terminal 20 in A19 is read by the code reader 58 of the store code reader device 50 (B9), the store payment processing unit 513 performs a code information acquisition process (B11). .. Specifically, the data is decoded (decoded) from the read terminal display code to obtain various information included in the read terminal display code.

After that, the store payment processing unit 513 accesses the payment page by the communication I/F 54 based on the payment page URL acquired from the read terminal display code, and as an example and without limitation, the store ID and the terminal display. The second settlement request information including the token acquired from the code for payment and the planned settlement amount set in B5 is transmitted to the server 10 (B13).

When the settlement management processing unit 113 receives the second settlement request information from the store code reader device 50 by the communication I/F 14 (C9), it performs settlement processing (C11). Specifically, by way of example and not limitation, a user stored in the terminal display code management database 1591 of the storage unit 15 in association with the token included in the second payment request information received from the shop code reader device 50. Identify the ID. Then, based on the balance stored in the payment management data of the specified user ID in the payment management database 157 of the storage unit 15, it is determined whether or not the payment of the planned payment amount is possible. Then, if the settlement is possible, the planned settlement amount is subtracted from the balance and updated, and the settlement history data is updated to set the settlement result to “success”. On the other hand, if payment is not possible, the payment result is set to “failure”.
The settled amount is paid to the store directly from the IMS business operator (settlement service business operator) or through an agent.

Next, the payment management processing unit 113 determines the payment result (C13). If the settlement result is “success” (C13; success), the store settlement result information transmission processing unit 1136 uses the store I/F 14 as the store settlement success information as the store settlement result information, and the store code reader device. 50 (C15). Similarly, the terminal settlement result information transmission processing unit 1137 transmits the terminal settlement success information as the terminal settlement result information to the terminal 20 through the communication I/F 14 (C17). Then, the payment management processing unit 113 ends the first payment management processing.

On the other hand, if the settlement result is “failure” (C13; failure), the store settlement result information transmission processing unit 1136 uses the store settlement failure information as the store settlement result information by the communication I/F 14 and stores the store code. It is transmitted to the reader device 50 (C19). Similarly, the terminal settlement result information transmission processing unit 1137 transmits the terminal settlement failure information to the terminal 20 as the terminal settlement result information by the communication I/F 14 (C21). Then, the payment management processing unit 113 ends the first payment management processing.

When the store settlement processing unit 513 receives the store settlement result information from the server 10 via the communication I/F 54 (B15), it determines the settlement result (B17), and if the settlement result is "success" (B17). ; Success), and settlement success notification processing is performed (B19). Then, the store settlement processing unit 513 ends the first store settlement process.

On the other hand, if the payment result is "failure" (B17; failure), the store payment processing unit 513 performs payment failure notification processing (B21). Then, the store settlement processing unit 513 ends the first store settlement process.

When the payment application processing unit 213 receives the payment result information for the terminal from the server 10 through the communication I/F 22 (A21), the payment application processing unit 213 determines the payment result (A23), and if the payment result is “success” (A23). ; Success), and settlement success notification processing is performed (A25).

After that, the payment application processing unit 213 determines whether or not to display the payment history (A27). Specifically, by way of example and not limitation, when the user's payment history confirmation operation on the input/output unit 23 is detected, it is determined to display the payment history.

If it is determined to display the payment history (A27; Yes), the payment application processing unit 213 performs the payment history display processing (A29). Then, the payment application processing unit 213 ends the first payment application processing.

On the other hand, if the payment result is "failure" (A23; failure), the payment application processing unit 213 performs a payment failure notification process (A26). Then, the payment application processing unit 213 ends the first payment application processing.

Next, when it is determined that the payment type is “read terminal code” in A3 (A3; read terminal code), the code reading processing unit 2133 activates the application code reader according to the user operation, and the code for reading the terminal is read. A process for reading the (type 1 terminal reading code or the type 2 terminal reading code) is performed (A31).

After that, the payment application processing unit 213 performs a code information acquisition process (A33). Specifically, data is decoded (decoded) from the terminal reading code read by the application code reader, and various information included in the read terminal reading code is acquired.

After that, the payment application processing unit 213 accesses the payment page by the communication I/F 22 based on the payment page URL acquired from the read terminal reading code (A35).

The payment management processing unit 113 determines the payment schedule information according to the access to the payment page from the terminal 20 (C33). Specifically, the terminal reading code management database 1593 is referred to, and the information stored in association with this payment page is acquired. Then, the payment management processing unit 113 transmits the payment schedule information according to the determination result to the terminal 20 via the communication I/F 14 (C35).

In this case, when the information associated with the payment page is information on a store that operates the type 1 terminal reading code, the payment management processing unit 113 includes the payment scheduled store and the payment scheduled amount. The first-class settlement schedule information is transmitted to the terminal 20 via the communication I/14. On the other hand, when the information associated with the payment page is the information on the store that operates the second-class terminal reading code, the payment management processing unit 113 causes the second-class payment schedule information (including the planned payment store). The planned settlement amount is not included.) is transmitted to the terminal 20 by the communication I/14.

When the payment application processing unit 213 receives the payment schedule information from the server 10 via the communication I/F 22 (A37), it determines the type of the received payment schedule information (A39). Then, if the type of settlement schedule information is “second type settlement schedule information” (A39; second type), the scheduled settlement amount setting process is performed (A41). Specifically, the total amount of products to be purchased is set as the “scheduled payment amount” based on the amount input operation by the user of his/her terminal 20 to the input/output unit 23.

After A41, or if the type of payment schedule information is “second type payment schedule information” (A39; first type), the payment application processing unit 213 skips the authentication stored in the storage unit 28. According to the determination processing program 2845, the first authentication skip determination processing is executed (A9). Then, the payment application processing unit 213 executes the processing of A11 to A17.

Then, the payment application processing unit 213 transmits the first payment request information including the user ID and the payment confirmation information to the server 10 on the payment page by way of example and not limitation (A43). However, when the process of A41 is executed, the set estimated payment amount is also included in the first payment request information and transmitted to the server 10. Then, the payment application processing unit 213 performs the processing after A21.

When the settlement management processing unit 113 receives the first settlement request information from the terminal 20 via the communication I/F 14 (C37), it performs settlement processing (C11). Then, the payment management processing unit 113 shifts the processing to C13 and thereafter.

When it is determined in B5 that the payment type is not “display terminal code” (B3; No), the store payment processing unit 513 shifts the processing to B15.
The case where the payment type is not “display terminal code” is when the payment type is “read terminal code”. In this case, as a non-limiting example, a store clerk instructs the user of the terminal 20 to read the terminal reading code, and the user of the terminal 20 activates the application code reader of the terminal 20 to read the terminal. Read the code for use.

As described above, only one type of code for reading the first type terminal and code for reading the second type terminal may be used as the terminal reading code.
In this case, the settlement schedule information transmitted from the server 10 to the terminal 20 in step C35 of FIG. 3-31 is one type, and the determination of the type of settlement schedule information in the terminal 20 is unnecessary. The step A39 can be deleted.
Further, if only the first-class terminal reading code is applied, it is not necessary to set the expected payment amount in the terminal 20, and therefore the step A41 in FIG. 3-31 can be deleted.

<Effects of First Embodiment>
The first embodiment performs an authentication process (an example of a display process without limitation) for electronic payment (an example of payment without limitation) to a user of the terminal 20, and based on the result of the authentication process, the IMS money The terminal 20 that receives the information regarding the payment by (without limitation, an example of electronic currency) through the communication I/F 22 (without limitation, an example of a communication unit of the terminal) authenticates the authentication password (not limitation but the user of the terminal). Information different from the example of the authentication information for performing). Then, the terminal 20 performs the authentication skip determination based on the acquired information, and when the authentication skip condition is satisfied, the authentication processing is not performed, and information on the settlement result by the server 10 (not limited to, settlement related to electronic currency) It shows a configuration in which (an example of information) is received by the communication I/F 22.
As an example of the effect obtained by such a configuration, the terminal can easily receive the information about the payment by electronic money without performing the display process regarding the execution of the authentication for the user of the terminal during the payment by electronic money. .. Further, the terminal obtains information different from the authentication information for authenticating the user of the terminal at the time of payment by electronic money, so that the display processing is not necessary, and thus the processing load of the terminal can be reduced. .. In addition, since it is not necessary to perform the display process once for the payment by electronic money, the payment can be performed quickly and smoothly, and the convenience for the user can be improved.

In addition, in the first embodiment, the information different from the above authentication password (an example different from the authentication information without limitation) includes information about IMS money (not an example information relating to electronic money). The structure is shown.
As an example of the effect obtained by such a configuration, the terminal obtains information about electronic money at the time of payment by electronic money, and thus does not need to perform display processing related to execution of authentication for the user of the terminal. The processing load can be reduced.

In addition, in the first embodiment, the above-mentioned information about the IMS money is information about the amount of the IMS money associated with the terminal 20 or the user of the terminal 20 (not limited to, but is associated with the terminal or the user of the terminal. It shows a configuration including an example of information about the amount of electronic money that is present).
As an example of the effect obtained by such a configuration, the terminal, when making a payment by electronic money, by acquiring information about the amount of electronic money, it is not necessary to perform a display process related to the execution of authentication to the user of the terminal, The processing load on the terminal can be reduced. In addition, since the information regarding the amount of electronic money is associated with the terminal or the user of the terminal, the terminal can appropriately perform the processing regarding settlement based on the information regarding the appropriate amount of electronic money.

Further, in the first embodiment, the above-mentioned information about the amount of IMS money includes the information about the one-day upper limit set amount (an example of information about the set amount of electronic money set, not limited). ..
As an example of the effect obtained by such a configuration, the terminal does not perform the display process related to the execution of the authentication for the user of the terminal by acquiring the information about the set amount of the set electronic money at the time of payment by electronic money. Therefore, the processing load on the terminal can be reduced.

Further, the first embodiment shows a configuration in which the terminal 20 does not perform the authentication process until the daily upper limit setting amount (an example of a setting amount, not a limitation) is exceeded.
As an example of the effect obtained by such a configuration, the terminal does not display the execution of authentication until the set amount of the set electronic money is exceeded when making a payment by electronic money, and thus the processing load of the terminal is reduced. It is possible to improve the convenience of the user. On the other hand, at the time of payment by electronic money, if the set amount of money is exceeded, a display regarding execution of authentication may be displayed, so that the user can be alerted that the set amount of money has been exceeded.

Further, in the first embodiment, the above-mentioned information about the amount of IMS money is information about the balance of IMS money associated with the terminal 20 or the user of the terminal 20 (not limited to, but is associated with the terminal or the user of the terminal. 1) showing an example of information about the balance of electronic money.
As an example of the effect obtained by such a configuration, the terminal, when making a payment by electronic money, by acquiring information about the balance of electronic money, it is not necessary to perform a display process related to the execution of authentication to the user of the terminal, The processing load on the terminal can be reduced. Further, since the information regarding the balance of electronic money is associated with the terminal or the user of the terminal, the terminal can appropriately perform the processing regarding settlement based on the information regarding the proper balance of electronic money.

Further, the first embodiment shows a configuration in which the terminal 20 does not perform the authentication process when the balance of the IMS money is less than or equal to the set amount of money or less than the set amount of money.
As an example of the effect obtained by such a configuration, the terminal does not display the execution of authentication if the balance of the electronic money is less than or equal to the set amount or less than the set amount when the electronic money is settled. Therefore, the processing load on the terminal can be reduced. In addition, for example, when the balance of electronic money is small, it is considered that the settlement of a large amount of money is not possible and the risk is low. Therefore, by not displaying the execution of the authentication, the security is ensured and the convenience of the user is improved. It is possible to improve the sex.

Further, in the first embodiment, when the terminal 20 is set to auto-charge (not limited to, setting for automatically depositing electronic money to the terminal 20), the balance of IMS money is less than or equal to the set amount. Alternatively, it shows a configuration in which the authentication process is performed when the amount is less than the set amount.
As an example of the effect obtained by such a configuration, when the electronic money of the terminal is less than or equal to the set amount of money or less than the set amount of money, the electronic money is automatically deposited in the terminal. In this case, if the amount of money is small, electronic money is automatically deposited in the terminal, so that a large amount of payment can be made and risk arises. Therefore, it is possible to alert the user that a large amount of payment can be made by displaying the information related to the authentication execution.

In addition, in the first embodiment, the above-mentioned information about the IMS money includes a configuration related to the frequency or the number of payments made by the IMS money (not limited, information about the frequency or the number of payments made by electronic money). Showing.
As an example of the effect obtained by such a configuration, the terminal, when making a payment by electronic money, obtains information on the frequency or the number of payments made by electronic money, thereby performing a display process regarding execution of authentication for the user of the terminal. Since this is not necessary, the processing load on the terminal can be reduced. Further, for example, when the frequency of payment by electronic money is high or the number of times of payment is high, there is a high possibility that the same user is making payment by electronic money, and it is considered that the risk is low. By not performing this, it is possible to improve the convenience for the user while ensuring the safety.

Further, in the first embodiment, the above-mentioned information about IMS money includes a configuration related to the date and time of the final settlement by IMS money (not limited to an example of information about the time when settlement is performed by electronic money).
As an example of the effect obtained by such a configuration, the terminal does not perform a display process related to the execution of authentication for the user of the terminal by acquiring the information about the time when the electronic money is settled when the electronic money is settled. Therefore, the processing load on the terminal can be reduced.

Further, the first embodiment shows a configuration in which the terminal 20 does not perform the authentication process when it is within the set time from the final settlement date and time by the IMS money.
As an example of the effect obtained by such a configuration, when the terminal is settled by electronic money, if it is within the set time from the time when the settlement by electronic money is performed, it is not necessary to display the authentication execution. The processing load on the terminal can be reduced. In addition, for example, if the time has not passed so much after making a payment by electronic money, the same user is likely to make a payment again, and it is considered that the risk is low, and therefore the display regarding the execution of authentication is not performed. As a result, it is possible to improve convenience for the user while ensuring safety.

In addition, in the first embodiment, the above-mentioned information about the IMS money includes the information about the place where the settlement is made by the IMS money (not limited, the information about the place where the settlement is made by electronic money).
As an example of the effect obtained by such a configuration, the terminal does not perform the display processing related to the execution of the authentication for the user of the terminal by acquiring the information about the place where the electronic money is settled when the electronic money is settled. Therefore, the processing load on the terminal can be reduced.

Further, in the first embodiment, the information about the place where the settlement is made by the IMS money includes information about the store where the settlement is made by the IMS money (not limited, information about the store where the settlement is made by electronic money). The structure is shown.
As an example of the effect obtained by such a configuration, the terminal does not perform the display process related to the execution of the authentication for the user of the terminal by acquiring the information about the store that made the payment by the electronic money when the electronic money is settled. Therefore, the processing load on the terminal can be reduced.

In addition, in the first embodiment, the terminal 20 calculates the position information of the store where the payment is made by the IMS money (an example of information about the place where the payment is made by electronic money, not limitation), and the position calculation processing unit 217. The configuration is shown in which the authentication process is not performed based on the positional information of the terminal 20 (an example of information on the position of the terminal, which is not a limitation).
As an example of the effect obtained by such a configuration, when making a payment by electronic money, the terminal performs a display related to the execution of authentication based on the information about the store that made the payment by electronic money and the information about the position of the terminal. Therefore, the processing load on the terminal can be reduced. Also, for example, if the location of the terminal is not far from the store that settled using electronic money in the past, it is highly possible that the user is trying to settle at the same store, and the risk is considered low, so authentication By not displaying the execution related to, it is possible to improve the convenience for the user while ensuring safety.

In addition, in the first embodiment, the above-mentioned information about the IMS money is information about the place where the authentication for performing the settlement of the IMS money is performed (not limited to, the execution of the authentication for performing the electronic currency settlement is performed. It shows a configuration including an example of the information about the place).
As an example of the effect obtained by such a configuration, when the terminal makes a payment by electronic money, the terminal obtains information about the place where the authentication for making the electronic money payment is performed, and thereby the authentication of the user of the terminal is performed. Since it is not necessary to perform display processing regarding execution, the processing load on the terminal can be reduced. In addition, for example, if it is the place where the authentication for electronic money settlement was performed in the past, it is likely that the authentication is performed again for the same user, and the risk is considered to be low. By not performing the display process, it is possible to improve the convenience for the user while ensuring the safety.

In addition, the first embodiment shows a configuration in which the information different from the authentication password includes information about a place.
As an example of the effect obtained by such a configuration, the terminal obtains the information about the place when making a payment by electronic money, so that it is not necessary to perform the display processing related to the execution of the authentication for the user of the terminal. The load can be reduced.

In addition, in the first embodiment, the above-mentioned information regarding the location includes a configuration including information regarding the location of the shop where the product is purchased.
As an example of the effect obtained by such a configuration, the terminal obtains the information about the place to purchase the product at the time of payment by electronic money, so that the display process regarding the execution of the authentication for the user of the terminal can be omitted. The processing load on the terminal can be reduced. In addition, the information about the place where the product is purchased can be used as information for determining whether the place is a store that sells low-priced products such as daily necessities, and performs authentication for the user of the terminal. It can be used as a guide for whether or not to do.

Further, in the first embodiment, the information about the place where the product is purchased includes the information about the store that sells the product.
As an example of the effect obtained by such a configuration, the terminal obtains the information about the store that sells the product at the time of payment by electronic money, so that it is not necessary to perform the display process related to the authentication of the user of the terminal. The processing load on the terminal can be reduced. In addition, the information about the store that sells the product can be used as information for determining whether the store sells a low-priced product such as daily necessities, and whether to authenticate the terminal user. It can be used as a guide.

In addition, in the first embodiment, when the terminal 20 is the set store or the store of the first specific type of industry (an example of the first place without limitation), the terminal 20 does not perform the authentication process. The configuration is shown in which the authentication process is performed until the set time elapses from the settlement date and time in a store of a second specific industry (an example of a second place, not limited to the store) different from the store.
As an example of the effect obtained by such a configuration, when the terminal obtains the information on the first place at the time of payment by electronic money, the terminal does not display the execution of the authentication, but the first place different from the first place is displayed. When the information about the second place is acquired, the display regarding the execution of the authentication is displayed until the set time elapses after the electronic money is settled at the second place. It is possible to prevent illegal settlement of payment by a third party who acquired the terminal when the terminal is left behind or when the user loses the terminal at the second place.

In addition, the first embodiment shows a configuration in which the information different from the authentication password includes information about the product.
As an example of the effect obtained by such a configuration, the terminal obtains the information about the product at the time of payment by electronic money, and thus the display processing related to the execution of the authentication for the user of the terminal is not necessary. The load can be reduced. In addition, since it is possible to determine whether a high-priced product or a low-priced product has been purchased based on the product information, it can be used as a standard of whether or not to authenticate the user of the terminal.

Further, in the first embodiment, information different from the authentication password is information relating to the setting of the terminal 20 or the payment application stored in the terminal 20 (not limited to the setting of the terminal or the application stored in the terminal. It shows a configuration including an example of information).
As an example of the effect obtained by such a configuration, the terminal acquires the information about the setting of the terminal or the application stored in the terminal at the time of payment by electronic money, thereby performing the display processing regarding the execution of the authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced. Further, for example, when the information about the setting of the terminal or the application stored in the terminal is the information set by the user, the intention of the user can be respected and the convenience of the user can be improved.

Further, in the first embodiment, information different from the authentication password is information set in the terminal 20 and indicating whether the terminal 20 is locked (not limited to, the terminal set in the terminal, 2 shows an example of a configuration including information regarding security of 1).
As an example of the effect obtained by such a configuration, the terminal, when making a payment by electronic money, obtains the information about the security of the terminal set in the terminal, thereby performing the display processing regarding the execution of the authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced. Further, for example, when the information about the security of the terminal is the information related to the authentication of the user of the terminal, the convenience of the user can be improved by omitting the display process regarding the execution of the authentication of the user of the terminal.

In the first embodiment, the information different from the authentication password is information on the terminal-side authentication setting set in the terminal 20 or the payment authentication setting set in the payment application stored in the terminal 20. It shows a configuration including information (not limited to, an example of information set to the terminal or an application stored in the terminal, regarding skipping execution of authentication).
As an example of the effect obtained by such a configuration, the terminal at the time of payment by electronic money, the terminal, or by being set in the application stored in the terminal, by acquiring the information about skipping the execution of authentication, Since it is not necessary to perform display processing related to the execution of authentication for the user of the terminal, the processing load on the terminal can be reduced.

Further, in the first embodiment, the information different from the above authentication password includes information sent from the server 10 relating to settlement by IMS money (an example of a server managing settlement by electronic money, without limitation). Is shown.
As an example of the effect obtained by such a configuration, the terminal, when making a payment by electronic money, obtains the information sent from the server related to the payment by electronic money, thereby performing a display process related to the execution of authentication for the user of the terminal. Since this is not necessary, the processing load on the terminal can be reduced.

Further, in the first embodiment, the terminal 20 may not execute the payment process based on the information different from the authentication password, and the terminal display code (not limited to, for performing the payment by the IMS money is not limited to the above. Based on the reading of the terminal display code by the code reader 58 of the store code reader device 50 (an example without limitation, a code reader) by displaying code information for making a payment by electronic money) on the display unit 24. , A configuration in which the communication I/F 22 receives information on the settlement result by the IMS money.
As an example of the effect obtained by such a configuration, when the terminal makes a payment by electronic money, the code information for making a payment by electronic money displayed in the display area of the terminal is read by a code reader, You can easily receive information about payment.

In addition, in the first embodiment, the terminal 20 instructs the user of the terminal 20 to read the terminal display code by the code reader 58 of the store code reader device 50 (including but not limited to reading code information). A display example) is displayed on the display unit 24, and information different from the authentication password is acquired based on the reading of the terminal reading code by the code reader 58 of the store code reader device 50.
As an example of the effect obtained by such a configuration, the terminal can notify the user of the terminal of information regarding the reading of the code information. Further, the terminal can easily acquire information different from the authentication information by the terminal only by causing the code reader to read the code information displayed in the display area of the terminal when making a payment by electronic money.

Further, the first embodiment shows a configuration in which the information different from the authentication password includes a planned settlement amount (an example of information regarding the amount and total amount of a product to be purchased, without limitation).
As an example of the effect obtained by such a configuration, the terminal, when making a payment by electronic money, simply reads the code information displayed in the display area of the terminal with a code reader to obtain information about the amount and total amount of the purchased product. You can get it easily.

Further, the first embodiment shows a configuration in which the terminal 20 does not perform the authentication process when the planned payment amount is less than or equal to the set amount or less than the set amount.
As an example of the effect obtained by such a configuration, when the total amount of products to be purchased is less than or equal to the set amount set by the terminal or less than the set set amount when the electronic money is settled, the terminal is related to execution of authentication. Since no display is performed, the convenience of the user can be improved. Also, if the total amount of purchased products is low, the risk is considered to be low. Therefore, by not displaying the execution of authentication, it is possible to improve safety and to improve user convenience. ..

In addition, in the first embodiment, when the terminal 20 has a purchase history of a product to be purchased (for example, without limitation, when the product matches a product that the user of the terminal has purchased once or more), the authentication process is performed. Shows no configuration.
As an example of the effect obtained by such a configuration, when the terminal matches the product purchased by the user of the terminal more than once during the payment by electronic money, the terminal does not display the execution of the authentication, which is convenient for the user. It is possible to improve the sex. Further, since it is considered that the risk is low if the same product is purchased, it is possible to improve the convenience of the user while ensuring the safety by not displaying the authentication execution.

Further, the first embodiment is different from the authentication password transmitted from the server 10 that manages the payment by the IMS money by the terminal 20 based on the reading of the terminal display code (an example of code information without limitation). The structure which receives and acquires information by communication I/F22 is shown.
As an example of the effect obtained by such a configuration, the terminal simply reads the code information at the time of payment by electronic money, and easily transmits information different from the authentication information transmitted from the server managing the payment by electronic money. Can be obtained.

In addition, in the first embodiment, the information regarding the settlement by the IMS money includes information transmitted from the server 10 (an example of an external server without limitation) indicating that the settlement is performed by the IMS money. The structure is shown.
As an example of the effect obtained by such a configuration, it is possible for the terminal to obtain the effect that the information indicating that the settlement has been made by electronic money can be obtained from the external server.

In addition, in the first embodiment, when the terminal 20 that authenticates the payment of the user of the terminal 20 acquires the information necessary for performing the authentication skip determination, and the acquired information does not satisfy the authentication skip condition, the terminal 20 Authentication processing is performed on the user and the information regarding the IMS money is received by the communication I/F 22 based on the result of the authentication processing. On the other hand, when the acquired information satisfies the authentication skip condition, the communication I/F 22 receives the information about the IMS money without performing the authentication process for the user of the terminal 20.
As an example of the effect obtained by such a configuration, when the information acquired by the terminal satisfies the condition, unlike the case where the condition is not satisfied, the processing related to the authentication of the user of the terminal is not executed, so that the processing load of the terminal is reduced. Can be reduced. In addition, the user of the terminal does not have to perform the operation or the like required for the authentication, so that the convenience of the user can be improved.

<First Modification (1)>
In the first embodiment, the type of authentication for the user of the terminal 20 is password authentication, and the display process relating to the execution of this authentication is the process of displaying the authentication screen for inputting the authentication password, but the present invention is not limited to this. In addition to this, for example, the type of authentication for the user of the terminal 20 is biometric authentication such as face authentication, fingerprint authentication, and voice authentication, and a process of displaying an authentication screen necessary for performing these biometric authentication is performed by the terminal This may or may not be display processing related to the execution of authentication for the user.

Further, as an example and not by way of limitation, the process of displaying the authentication screen in the authentication process for acquiring the account such as the user ID for using the payment service may be the display process related to the execution of the authentication for the user of the terminal. It may or may not be. Then, when the result of this authentication processing is “OK”, the terminal 20 may receive the information of the account for using the payment service from the server 10 as the information regarding the payment by electronic money. Good or not.

<Effect of First Modification (1)>
As an example of the effect of this modification, the terminal can easily display information about payment by electronic currency without performing display processing related to the execution of authentication for the user of the terminal in the same way as for authentication different from the authentication using the authentication password. Can be received.

In addition, the terminal can easily obtain the information necessary for using the payment service as the information related to the payment by electronic money, without performing the display process related to the authentication of the user of the terminal.

<First Modification (2)>
In the first embodiment, electronic money is described as IMS money, but the present invention is not limited to this. The electronic money is not limited to IMS money, but is not limited to, for example, so-called virtual currency, in-game currency, a gift code sent (presented) from a user of another terminal 20 as a gift, and various types including the IMS points described above. Can be a concept including all payment methods available to the user as an alternative to cash, such as points sent (gifted) to the user by the point service.

<Effect of First Modification (2)>
As an example of the effect obtained by this modification, when the terminal makes a payment using electronic money different from the electronic money associated with the IMS, the terminal relates to payment using electronic money without performing display processing related to execution of authentication for the user of the terminal. Information can be easily received.

<First Modification (3)>
In the first embodiment, the terminal display code and the terminal reading code are each described as a two-dimensional code, but the present invention is not limited to this. At least one of the terminal display code and the terminal reading code may or may not be the above-described one-dimensional code (barcode as an example, not limitation) as an example without limitation.

In addition, at least one of the terminal display code and the terminal reading code is a character code represented by a character string of information stored in the code, and the terminal display code is read by a camera in a store to perform character recognition. However, the terminal reading code may or may not be obtained by performing character recognition by reading with the camera 27 of the terminal 20 and acquiring the information included in each code.

<Effect of First Modification (3)>
As an example of the effect of this modified example, the settlement of the terminal can be realized based on a terminal display code or a terminal reading code different from the two-dimensional code. Further, even when the terminal or the shop code reader device does not support the two-dimensional code, it is possible to realize the payment by electronic money.

<First Modification (4)>
In the first embodiment, the payment information transmitted from the server 10 is stored in the storage unit 28 of the terminal 20 as payment history data, and the terminal 20 determines whether to perform the authentication skip based on the payment information included in the payment history data. However, the present invention is not limited to this.

Specifically, the settlement history data may not be stored in the storage unit 28 of the terminal 20. In this case, the terminal 20 may or may not request the information necessary for the authentication skip determination from the server 10 and perform the authentication skip determination based on the information acquired from the server 10.

<Effect of First Modification (4)>
As an example of the effect obtained by this modification, it is not necessary to store information regarding the history of payment by electronic money in the terminal, so that the storage capacity of the terminal can be saved.

<First Modification (5)>
In the first embodiment, store location information is included in the store data 2855 distributed from the server 10 to the terminal 20, and the terminal 20 is calculated by the store location information included in the store data 2855 and the location calculation processing unit 217. The authentication skip determination may or may not be performed based on the position information of the terminal 20 (hereinafter, referred to as “terminal position information”).

Specifically, for example, when determining the authentication skip condition of “store to be settled store set” of condition No “SP2-2” included in condition category No “SP2”, the latest calculated position of the terminal 20 is It is possible to determine whether or not the position of the set store stored in the store data 2855 matches.
The same applies to other authentication skip conditions regarding the store/place.

<Effect of First Modification (5)>
As an example of the effect obtained by this modification, the terminal can easily determine the success or failure of the authentication skip condition based on the terminal position information calculated by the terminal 20 of itself and the store position information acquired from the outside. it can.

<First Modification (6)>
In the first embodiment, the one-day upper limit set amount is set as the upper limit set amount as a threshold value with respect to the total amount of the settled amount (settlement amount) in the day, but the present invention is not limited to this.

Specifically, as an example and not by way of limitation, the daily upper limit set amount is the sum of the total amount of the already settled amount (settlement amount) and the amount to be settled (settlement amount). It may or may not be the upper limit set amount of money as the threshold amount of money.

Further, the upper limit setting amount does not necessarily have to be the upper limit setting amount for one day, and may be the upper limit setting amount for a predetermined period in the past (past 1 week, past 2 weeks, past 1 month, etc.). You don't have to.

In addition, the upper limit set amount is set to the amount to be settled (scheduled amount to be settled), that is, the amount to be settled at one time, and the authentication skip is performed when "the settled amount is less than (or less than) the set amount". The authentication skip determination may be performed based on the condition. By doing so, the authentication process can be skipped when the user of the terminal 20 purchases a low-priced product.

<Effect of First Modification (6)>
As an example of the effect obtained by this modification, whether to display the authentication execution considering not only the amount of money settled in the past (payment amount) but also the amount of money to be settled (planned amount of payment). Can be determined.

In addition, the convenience of the user can be improved by not displaying the execution of authentication until the amount of payment for one time exceeds the set amount.

<First Modification (7)>
The various authentication skip conditions described in the first embodiment are merely examples, and can be appropriately added, deleted, or changed.

Specifically, as an example and not by way of limitation, an authentication skip condition of condition No. "SP1-1" "current date and time is within set time from final settlement date and time" is "current date and time is within set time from final authentication date and time". Can also be This is because, for example, when a user of the terminal 20 purchases a certain product (for example, a box lunch), authentication is performed at the terminal 20, and immediately after that, another product (for example, coffee) is purchased again to purchase another product (for example, coffee). This is because there may be cases where authentication is required.

In addition, the above-mentioned "final authentication date and time" is not necessarily limited to the date and time when the authentication for settlement was last performed, and is not limited to, for example, the inter-personal remittance of IMS money described later in the fourth embodiment. The date and time when the authentication for remittance was last performed, the date and time when the authentication for unlocking the OS of the terminal 20 was last performed, and the authentication for unlocking the payment application side was last. The date and time when a different type of authentication from the payment authentication, such as the date and time when the authentication was performed, is performed last may be set as the “final authentication date and time” in the above authentication skip condition.

Also, as an example and not limitation, the “final settlement date and time” in the authentication skip condition of the condition number “SP1-1” is the latest date and time when the IMS money was charged by the user, or the settlement The date and time of the latest settlement-related operation, which is the latest date and time when a user operation relating to settlement is performed in the application, can also be used. If the time has not passed so much since the IMS money was last charged, it is highly likely that the user has charged the IMS money for settlement, so it is reasonable to skip the authentication process. In addition, if not much time has passed since the last user operation related to payment in the payment application, it is highly likely that the user planned the payment and performed the operation. It is reasonable to skip.

Further, the “setting time zone” in the authentication skip condition of condition No. “SP1-2” can be a concept including a specific day of the week and a specific date. For example, without limitation, Saturday or Sunday may be set as the specific day of the week. This is because on Saturdays and Sundays, there are many users who go out for shopping and eating, and there is a tendency that there are more opportunities for settlement. Further, as a specific date, three days of Christmas (including Christmas Eve) and New Year may be set. This is because there are many users who go out for the purchase of gifts or dinner at Christmas, and many users who go out for the first sale on the third day of Christmas, and there is a tendency that there are many opportunities for settlement.

In addition, there is a risk that the user of the terminal 20 may use the terminal 20 by a third party to purchase a high-priced product for payment and redeem it. Therefore, as an example and not a limitation, it is possible to add an authentication skip condition that "the store to be settled is not a store that sells highly cash-converted products". Highly cash-convertible products are, for example, products such as jewelry and watches, and if payment is to be made at a store selling such products (jewelry store, watch store, etc.), the terminal 20 is used. Authentication processing can be prevented from being skipped.

Further, it is also possible to add weather and conditions related to authentication skip. For example, on a rainy day or a snowy day, since the number of users who use public transportation increases, the risk of misplacement of the terminal 20 increases. Therefore, as a non-limiting example, it is possible to add an authentication skip condition that "the weather of the day is not rain or snow" so that the authentication process is not skipped on a rainy day or a snowy day.

<Effect of First Modification (7)>
As an example of the effect obtained by this modification, the terminal is not limited to the case where the payment authentication is performed within the set time from the date and time when the payment authentication was last performed, Even when the different types of authentication are performed within the set time from the date and time when the authentication was last performed, by not displaying the authentication execution, the convenience of the user can be further improved.

Also, when making a payment using electronic money, if the payment of electronic money is within the set time from the date and time when the payment was made last time, or within the time set from the date and time when the payment related operation in the application was performed last time. In such a case, it is possible to further improve the convenience of the user by not displaying the display related to the execution of the authentication.

Further, by not displaying the authentication execution on a specific day of the week or a specific date, it is possible to further improve the convenience of the user.

In addition, by not performing display processing related to execution of authentication for the user of the terminal based on the information that considers the risk of the user, it is possible to realize an appropriate payment considering the balance between the convenience of the user and the risk. be able to.

<First Modification (8)>
In the process of FIG. 3-29 described in the first embodiment, the timing after the terminal 20 receives the terminal display code from the server 10 (after A7) when the payment type is “display terminal code”. Then, the first authentication skip determination process is performed, but the present invention is not limited to this.

As an example and not by way of limitation, the terminal 20 performs the first authentication skip determination process at a timing before transmitting the terminal display code generation request information to the server 10 (before A5 in FIG. 3-29). It may or may not be.

Also, as a non-limiting example, after the terminal 20 transmits the terminal display code generation request information to the server 10 (A7 in FIG. 3-29), the server 10 immediately transmits the terminal display code to the terminal 20. Instead, the authentication skip determination process may or may not be performed before the terminal display code is transmitted from the server 10 to the terminal 20.

Specifically, the server 10 receives the terminal display code generation request information transmitted from the terminal 20 (C1 in FIG. 3-29; Yes), and then sends the terminal 20 the authentication request information for requesting the authentication. Send. Then, the terminal 20 performs the first authentication skip determination process at the timing after receiving the authentication request information from the server 10.

When it is determined that the authentication process is skipped, the terminal 20 skips the authentication process and transmits authentication skip execution information indicating that the authentication process has been skipped to the server 10. On the other hand, if it is determined that the authentication process is not skipped, the terminal 20 performs the authentication process, and if the authentication result is “OK”, the authentication success information indicating that the authentication is successful is transmitted to the server 10. To do. Then, the server 10 receives the authentication skip execution information or the authentication success information from the terminal 20, and then performs the terminal display code generation process to generate the terminal display code (C3 in FIG. 3-29). ), and transmits the generated terminal display code to the terminal 20 (C5 in FIG. 3-29).

In this case, after the server 10 receives the terminal display code generation request information transmitted from the terminal 20 (C1 in FIG. 3-29; Yes), the server display code generation processing is performed to execute the terminal display code. May be generated (C3 in FIG. 3-29), and then the authentication request information may be transmitted to the terminal 20.

As described above, the timing for performing the authentication skip determination process on the terminal 20 side can be roughly divided into any of the three timings as described above.

<Effect of First Modification (8)>
As an example of the effect obtained by this modification, the terminal, at the time of any one of a plurality of timings, based on information different from the authentication information for authenticating the user of the terminal at the time of payment by electronic money. It is possible to determine whether or not to execute the display process related to the authentication of the user.

<First Modification (9)>
In the above-described embodiment, for both the payment type “display terminal code” and “read terminal code”, the information regarding the planned purchase product is not transmitted from the server 10 to the terminal 20, and the terminal 20 acquires the information regarding the planned purchase product. Although it is not possible to do so, the terminal 20 may acquire the information on the planned purchase product by the following method, for example.

Specifically, by way of example and not limitation, a camera provided as a function of a payment application (hereinafter referred to as “application camera”), or an imaging device (or an imaging unit) such as the camera 27 provided in the terminal 20. ) The software for making it possible to identify the type of the product is stored in the storage unit 28 of the terminal 20 based on the photographed image photographed by the above.

In the payment type “display terminal code”, for example, before A1 of the first payment application process in FIG. 3-29, the terminal 20 activates the application camera or the camera 27 according to the user operation, and purchases the product to be purchased. Take an image of. That is, the user of the terminal 20 shoots the image of the product to be purchased with the application camera or the camera 27 at the code register 60 of the store. Then, the terminal 20 performs product type identification processing for identifying the type of product from the captured image (hereinafter, referred to as “captured image”). Then, the terminal 20 performs the process of “A3; display terminal code to A7” and then performs the first authentication skip determination process (A9).

Similarly for the payment type “read terminal code”, for example, before A1 of the first payment application process in FIG. 3-29, the terminal 20 activates the application camera or the camera 27 according to the user operation, and purchases. Take an image of the planned product. Then, the terminal 20 performs a product type identification process for identifying the product type from the captured image. Then, the terminal 20 performs the processing of “A3; terminal code reading to A41” and then performs the first authentication skip determination processing (A9).

FIG. 3-34 is a diagram showing an example of the authentication skip condition data 2851 in this case. This data structure is the same as the authentication skip condition data 2851 in FIG. 3-8, but the part surrounded by a thick black frame is different.

Specifically, as to whether or not the payment skip type “display terminal code” or “read terminal code” is applied or not, the authentication skip condition “Condition No. SP4-1” “Purchasing planned product is daily consumer goods” is set. 〇” is defined. This is because it is possible to identify the type of product at the terminal 20 by using the above-described method. Therefore, it is possible to determine whether the planned purchase product is a daily consumer product based on the identified product type. This is because it can be determined. Further, the importance level “B” is set for the payment type “display terminal code”, and the importance level “A” is set for the payment type “read terminal code”.

Further, with respect to the authentication skip condition of “There is a purchase history of a planned purchase product” of condition No. “SP4-2”, “◯” is set as the application/non-application of the payment type “display terminal code”. This is because it is possible to identify the product type at the terminal 20 by using the above-described method. Therefore, by storing the history of the identified product type in the storage unit 28, This is because it is possible to determine whether or not there is a purchase history. Further, the importance level “B” is set for the payment type “display terminal code”, and the importance level “A” is set for the payment type “read terminal code”.

Further, in the first embodiment, for the payment type “read terminal code”, the success or failure of the authentication skip condition of condition Nos “SP4-1” and “SP4-2” is determined by an alternative method. In the method using, the terminal 20 can identify the type of the product to be purchased, and thus the success or failure of these authentication skip conditions can be determined based on the identification result.

In addition to capturing an image of a product to be purchased with the camera of the terminal 20 as described above, for example, the store code reader device 50 is provided with a camera, and the camera of the store code reader device 50 allows the user of the terminal 20 It is also possible to take an image of the product to be purchased.

In this case, as one method, the shop code reader device 50 identifies the type of the planned purchase product based on the captured image captured by the camera, and transmits the identified type of the planned purchase product to the terminal 20. be able to.

As another method, the store code reader device 50 transmits a captured image captured by a camera to the terminal 20, and the terminal 20 determines the type of the product to be purchased based on the captured image received from the store code reader device 50. It is also possible to identify.

<Effect of First Modification (9)>
This modification shows a configuration in which the information different from the authentication password described above includes information on merchandise sold in the store (an example of information on merchandise without limitation).
As an example of the effect obtained by such a configuration, the terminal does not have to perform the display processing related to the execution of the authentication for the user of the terminal based on the information about the product, so that the processing load of the terminal can be reduced.

In this modification, the terminal 20 acquires a captured image of a product to be purchased, which is captured by the application camera or the camera 27 of the terminal 20 (an example of an imaging device without limitation), and based on the acquired captured image. , Shows a configuration in which authentication processing is not performed.
As an example of the effect obtained by such a configuration, the terminal does not perform the display related to the execution of the authentication based on the image of the product taken by the imaging device, so that the processing load of the terminal can be reduced. For example, when the product identified by the image captured by the image capturing device is a product that has a purchase history in the past or a product of a specific type, by not displaying the execution of authentication, It is possible to improve convenience.

In addition, the present modification shows a configuration in which the information different from the above-described authentication password includes information on products to be purchased (not limited to, but an example of information on products to be purchased by the user of the terminal).
As an example of the effect obtained by such a configuration, the terminal does not have to perform a display process related to the execution of authentication for the user of the terminal based on the information about the product that the user of the terminal purchases, so that the processing load of the terminal is reduced. Can be reduced.

Further, the present modification example shows a configuration in which the authentication process is not performed when the information of the planned purchase product of the user of the terminal 20 is acquired and it is determined that there is the purchase history of the planned purchase product.
As an example of the effects obtained by such a configuration, when the product matches the product purchased by the user of the terminal more than once, the terminal does not display the execution of authentication, and thus the processing load of the terminal can be reduced. it can. Further, since it is considered that the risk is low if the same product is purchased, it is possible to improve the convenience of the user while ensuring the safety by not displaying the authentication execution.

Further, the present modification example shows a configuration in which the authentication process is not performed when the information on the planned purchase product of the user of the terminal 20 is acquired and it is determined that the planned purchase product is a daily consumer product.
As an example of the effect obtained by such a configuration, when the product purchased by the user is a daily consumer product, the display regarding execution of authentication is not displayed, so that the processing load of the terminal can be reduced. Further, if the consumer goods are purchased, the risk is considered to be low. Therefore, by not displaying the authentication execution, it is possible to improve the convenience of the user while ensuring the safety. ..

In addition to the above, as a method of identifying the product purchased by the user of the terminal 20 and the product type thereof with the terminal 20, as an example without limitation, a method using short-range wireless communication or contactless communication is applied. You can also do it.

Specifically, by way of example and not limitation, an RF tag (for example, an IC tag) storing product identification information or product type identification information is embedded for each product or product type sold in a store. In addition, the terminal 20 is provided with a reader/writer compatible with an RF tag. Then, the terminal 20 scans the RF tag embedded in the product purchased by the user by radio waves, and acquires the product identification information and the product type identification information stored in the RF tag, thereby purchasing the product purchased by the user and the product purchased by the user. Identify the product type.

<First Modification (10)>
In the first embodiment, the store side requests the server 10 to skip the authentication process of the terminal 20, and the server 10 causes the server 10 to skip the authentication process (hereinafter, referred to as “authentication skip information”). May or may not be transmitted to the terminal 20.

In this modification, it is possible to cause the terminal 20 to skip the authentication process based on the authentication skip information sent from the server 10. Therefore, for example, even when a person who purchases a product by using another person's terminal 20 or makes a payment by a person who wants to be provided with the service, the authentication process is skipped by the terminal 20 to perform the payment. The problem of being broken can also occur. In the present modification, it is known that such a problem may occur, the risk is placed on the shop side, and the authentication process of the terminal 20 is skipped.

First, a case where authentication skip is performed in store units will be described. This is a case where the store decides whether or not to skip the authentication process of the terminal 20 and decides on the store that has accepted the risk and skips the authentication process of the terminal 20.

FIG. 3-35 is a flowchart showing an example of the flow of processing of each device in this case, and is a diagram showing a processing portion in the case where the payment type is “read terminal code” in the processing described in the first embodiment. The processing portion of 3-31 is extracted. It should be noted that the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

If the store payment processing unit 513 determines that the payment type is not “display terminal code” in B5, that is, the payment type is “read terminal code” (B3; No), authentication is skipped by the communication I/F 54. The request information is transmitted to the server 10 (B51).

Specifically, if the store is a store that operates the type 1 terminal reading code, the store payment processing unit 513 associates the store ID with the type 1 terminal reading code by way of example and not limitation. Authentication skip request information including the sales amount information of the product to be sold as a product is transmitted to the server 10.
Further, when the own store is a store that operates the second-class terminal reading code, the store payment processing unit 513 transmits the authentication skip request information including the store ID to the server 10 as an example and not limitation.

Here, the authentication skip request information is information for requesting the server 10 to generate the authentication skip information for causing the terminal 20 to skip the authentication process. This authentication skip request information can be transmitted to the server 10 by the shop code reader device 50 based on the approval of the shop server 70, for example and without limitation.

Further, although the shop code reader device 50 is described here as transmitting authentication skip request information to the server 10, instead, the shop server 70 may also transmit authentication skip request information to the server 10. Good or not.

When the settlement management processing unit 113 receives the authentication skip request information from the store code reader device 50 by the communication I/F 14 (C51), it performs the terminal reading code generation determination processing (C53).

Specifically, by way of example and not limitation, it is determined whether or not the store that is the sender of the authentication skip request information is a member store. Further, when the received authentication skip request information includes the sales amount information of the product to be sold in association with the first-class terminal reading code, the sales amount indicated by the sales amount information is within an appropriate range (limited As an example, whether or not it is below a threshold amount of money (depending on the type of business of the store, the product to be sold, product type, etc., for example, "1000 yen or less", "2000 yen or less", "3000 yen or less", etc.) Then, if these conditions are satisfied, it is determined that the terminal reading code is generated, while if these conditions are not satisfied, it is determined that the terminal reading code is not generated.

When it is determined that the terminal reading code is generated (N55; Yes), the settlement management processing unit 113 performs the terminal reading code generation processing (C57).

In this terminal reading code generation processing, the payment management processing unit 113 generates a terminal reading code including access information. More specifically, for example, the character string of the payment page URL is encoded (encoded) and converted into a graphic to generate a terminal reading code represented by a two-dimensional code image. In addition, the payment management processing unit 113, in association with the store ID of this store, the sales amount (only the store that operates the code for reading the first type terminal), the payment page URL, and the presence or absence of authentication skip (authentication here). It is stored in the terminal reading code management database 1593 of the code management database 159 in association with the skip “present”).

After that, the payment management processing unit 113 transmits the generated terminal reading code to the store code reader device 50 which is the transmission source of the authentication skip request information by the communication I/F 14 (C59).

On the other hand, when it is determined that the terminal reading code is not generated (C55; No), the payment management processing unit 113 informs the store code reader device 50 by the communication I/F 14 that the terminal reading code cannot be generated. (C61). Then, the payment management processing unit 113 shifts the processing to C63.

The store payment processing unit 513 determines whether or not the terminal reading code is received from the server 10 by the communication I/F 54 (B53), and if it is determined that the terminal reading code is received (B53; Yes), the received terminal reading code is read. The code is displayed on the display unit 53 (B55).

The payment application processing unit 213 of the terminal 20 reads the terminal reading code with the application code reader (A51). Specifically, one of the terminal reading code displayed on the shop and the terminal reading code displayed on the shop code reader device 50 at B55 is read. Then, the payment application processing unit 213 performs the processing of A33 and A35.

After C59 or C61, the payment management processing unit 113 determines the payment schedule information according to the access to the payment page from the terminal 20 (C63). Specifically, the terminal reading code management database 1593 is referred to, and the information stored in association with the payment page URL of this payment page is acquired. Then, the payment management processing unit 113 transmits the payment schedule information (authentication skip “present” or “absent”) according to the determination result to the terminal 20 via the communication I/F 14 (C65).

When the information stored in association with the payment page URL is the information of authentication skip “absent” (in the case of the processing flow of C61→C63), it is the same as C35 in FIG. That is, the payment management processing unit 113 transmits the payment schedule information that does not include the authentication skip information to the terminal 20.

On the other hand, when the information stored in association with the payment page URL is the information of the authentication skip “present” (in the case of the processing flow of C59→C63), the payment management processing unit 113 outputs the authentication skip information. The payment schedule information including the information is transmitted to the terminal 20.
In this case, when the information associated with the payment page URL is the information on the store that operates the first-class terminal reading code, the payment management processing unit 113 causes the planned payment store, the planned payment amount, and the authentication skip. The first-class settlement schedule information including the information is transmitted to the terminal 20.
On the other hand, when the information associated with the payment page URL is the information on the store that operates the type 2 terminal reading code, the payment management processing unit 113 includes the second payment store and the authentication skip information. The seed settlement schedule information (not including the planned settlement amount) is transmitted to the terminal 20 via the communication I/14.

When the payment application processing unit 213 receives the payment schedule information (authentication skip “Yes” or “No”) from the server 10 via the communication I/F 22 (A53), the payment application processing unit 213 performs the processes of A39 and A41, and then performs the second authentication. Skip determination processing is performed (A55). Note that, in order to distinguish it from the authentication skip determination process in the other embodiment, it is referred to as a "second authentication skip determination process" for convenience.

In the second authentication skip determination process, the authentication skip determination processing unit 2135 determines whether the payment schedule information received from the server 10 includes the authentication skip information. In A51, if the terminal reading code displayed on the store code reader device 50 is read, it is determined that the received payment schedule information includes the authentication skip information, while the terminal reading code displayed in the store is read. If the application code has been read, it is determined that the received payment schedule information does not include the authentication skip information. Then, when it is determined that the received payment schedule information includes the authentication skip information, it is determined that the authentication process is skipped. Then, the payment application processing unit 213 shifts the processing to A11.

In the second authentication skip determination process described above, for example and without limitation, when the authentication setting for payment on the payment application side of the terminal 20 is “ON” or when the terminal 20 does not skip the authentication process. When the mode is set or the like, it is possible not to skip the authentication process even if the payment schedule information includes the authentication skip information.

Next, the above process is a process in the case of performing the authentication skip for each store, but as an example without limitation, it is possible to perform the authentication skip for each product or product type sold in the store. Is also possible.

FIG. 3-36 is a diagram showing an example of the terminal reading code management database 1593 stored in the storage unit 15 of the server 10 in this case.
The terminal-reading code management database 1593 includes terminal-reading code management data that is generated for a store that has agreed to skip the authentication process of the terminal 20.

For example, without limitation, the terminal reading code management data of each store is stored in association with the store ID of the store, the product type, the sales amount, the payment page URL, and the presence or absence of authentication skip. It

In this example, the product type includes product types such as “bento”, “beverage”, and “gift product”, and the sales amount, the payment page URL, and the presence or absence of authentication skip are associated with each product type. There is. The product types “bento” and “beverage” have “Yes” as authentication skip presence/absence, while the product type “Gift product” has “absence” authentication skip presence/absence. Therefore, when the user purchases a lunch or a drink at this store, the authentication process is skipped at the terminal 20, but when the user purchases a gift item at this store, the authentication process is not skipped at the terminal 20. Become.

Further, it is also possible to classify and associate the sales amount, the payment page URL, and the presence/absence of authentication skip in one product type.
Specifically, as an example and not by way of limitation, the product type “bento” is classified into a lunch box with a sales price of “200 yen”, a lunch box with a sales price of “300 yen”, and a lunch box with a sales price of “500 yen”. For each classification, the payment page URL and the presence/absence of authentication skip can be associated with each other.

The above-mentioned plurality of patterns can be appropriately changed on the server 10 side depending on how the store side operates.

<Effect of First Modification (10)>
In this modification, the information different from the authentication password includes the authentication skip information.
As an example of the effect obtained by such a configuration, the terminal can skip the authentication of the user of the terminal based on the skip information for the terminal to skip the authentication of the user of the terminal. In addition, it is possible to determine whether or not to skip the authentication of the user of the terminal based on the skip information, and it is not necessary to determine whether or not other conditions are satisfied, so that the processing load on the terminal can be reduced.

In addition, the present modification shows a configuration in which the authentication skip information is generated by the server 10 based on the authentication skip request information transmitted from the shop code reader device 50.
As an example of the effect obtained by such a configuration, the terminal can easily skip the authentication of the user of the terminal based on the skip information generated by the server based on the request from the store that manages the product. In addition, it is possible to determine whether to skip the authentication of the user of the terminal based on the skip information generated by the server, and it is not necessary to determine the success or failure of other conditions, so the processing load on the terminal can be reduced. You can

<Second Embodiment>
The second embodiment, like the first embodiment, is an embodiment that improves the convenience of payment. More specifically, as an example and not by way of limitation, when performing payment using a payment application in the terminal 20, the server 10 performs the authentication skip determination, and when the authentication skip condition is satisfied, the user of the terminal 20 is conventionally provided with the authentication skip determination. The requested authentication process is skipped.
The contents described in the second embodiment can be applied to any of the other embodiments.
Further, the same components as those already described are designated by the same reference numerals, and the repeated description will be omitted.

<Functional configuration>
FIG. 4-1 is a diagram illustrating an example of functions implemented by the control unit 11 of the server 10 according to this embodiment.
The payment management processing unit 113 includes, by way of example and not limitation, the terminal display code generation processing unit 1131, the terminal display code transmission processing unit 1133, the store payment result information transmission processing unit 1136, and the terminal payment result information transmission. In addition to the processing unit 1137, an authentication skip determination processing unit 1139 is included as a functional unit.

The authentication skip determination processing unit 1139 is a process for determining whether or not to skip the authentication processing executed by the terminal 20 according to the authentication skip determination processing program 1515 stored in the storage unit 15 Has the function of executing. The authentication skip determination process can also be referred to as an authentication necessity determination process for determining whether or not the terminal 20 needs to perform the authentication process.

In the present embodiment, the authentication skip determination processing unit 1139 performs the authentication skip determination processing at a timing after receiving the terminal display code generation request information from the terminal 20 in the payment type “terminal code display”, for example and not by way of limitation. Execute.
Further, as an example and without limitation, the authentication skip determination processing unit 1139 executes the authentication skip determination process at the timing after receiving the first payment request information from the terminal 20 in the payment type “read terminal code”.
However, the execution timing of these authentication skip determination processes can be changed as appropriate.

FIG. 4-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 according to the present embodiment.
The payment management processing program 1513 includes, as a non-limiting example, an authentication skip determination processing program 1515 that is read by the control unit 11 and is executed as the authentication skip determination processing as a subroutine program.

In addition to the user registration data 153, the store registration data 155, the payment management database 157, the code management database 159, and the authentication skip condition data 156 as data, for example, without limitation, in the storage unit 15. , Credit score data 158 are stored.

The authentication skip condition data 156 is data that defines an authentication skip condition that is a condition for causing the terminal 20 to skip the authentication process for payment.

The credit score data 158 is data in which a credit score, which represents the social trust of the user of the terminal 20 by a numerical value or a rank, is stored for each terminal 20 or each user of the terminal 20.
The credit score is calculated or determined based on, for example and without limitation, the payment record, age, work style, and annual income of the user of the terminal 20.

In the present embodiment, as an example and not by way of limitation, the credit score is digitized by a score system of “0 point” to “100 point”, and the credit score “100 point” has the highest social trust of the user and the credit score “ "0 point" means that the user has the lowest social trust.

FIG. 4-3 is a diagram showing an example of the data structure of the authentication skip condition data 156 in the present embodiment. This data structure is the same as the authentication skip condition data 2851 of the terminal 20, but the contents are partially different. Hereinafter, description will be made focusing on different conditions.

<Condition category No. “SP2-5”>
For the condition category No. “SP2 (store/place)”, “the position of the planned settlement store and the position of the terminal are not separated” is defined as the authentication skip condition of the condition No. “SP2-5”. This means that the authentication process of the terminal 20 is skipped when the position of the store to be settled and the position of the terminal 20 to be settled are not apart from each other by a set distance or more.

In this determination, as an example and not by way of limitation, the server 10 acquires the store position information of the store to be settled from the store information registered in the store registration data 155 in the authentication skip determination process. Also, the server 10 requests the terminal position information from the terminal 20, and receives the latest calculated position calculated by the position calculation processing unit 217 as the terminal position information from the terminal 20 and acquires it. Then, the server 10 determines whether or not the store position and the terminal position are separated by a set distance or more.

Note that, in the above authentication skip condition, as an example and not by way of limitation, the information of the area (area) in which each store exists is stored in the storage unit 15 of the server 10 so that the server 10 has a store to be settled. After determining the area to be performed, whether or not the terminal position is included in the specified area may or may not be determined.

<Condition category No. “SP5-2”>
As the authentication skip condition of the condition No. “SP5-2” included in the condition category No. “SP5 (security)”, “the credit score of the user of the terminal is 80 points or more” is defined. This is to skip the authentication processing of the terminal 20 when the credit score of the user of the terminal 20 stored in the credit score data 158 is 80 points or more, that is, when the credit of the user of the terminal 20 reaches a certain level. Means that.

In this determination, the terminal 20 acquires the credit score of the user of the terminal 20 who is scheduled to make a payment from the credit scores stored in the credit score data 158. Then, it is determined whether the acquired credit score is 80 points or more.

Other conditions are the same as the authentication skip condition data 2851 of the terminal 20, but in the present embodiment, unlike the first embodiment, the server 10 performs the authentication skip determination process. Therefore, the server 10 is a server for user information stored in the user registration data 153 of the storage unit 15, store information stored in the store registration data 155, payment management information stored in the payment management database 157, and the like. Information required for authentication skip determination is acquired from the information stored and managed in 10 (hereinafter referred to as “server management information”). Further, the server 10 requests the terminal 20 for information such as position information of the terminal 20 (terminal position information) which is not managed by the server 10 and acquires the information. Then, the server 10 performs the authentication skip determination based on the acquired information.

Next, regarding the payment type “terminal code display”, as an example without limitation, condition numbers “SP2-1” to “SP2-5” (conditions included in the condition category No “SP2”) and condition number “SP3-”. "3", "SP3-4", condition No. "SP4-1", and "SP4-2" (conditions included in condition category No. "SP4") are set to "not applicable".

The reason why the authentication skip condition included in the condition category No. “SP2” is not applied is “×”. In the payment type “terminal code display”, the server 10 selects the payment scheduled store at the timing of performing the authentication skip determination process. This is because it is impossible to grasp.

The authentication skip conditions of condition Nos "SP3-3" and "SP3-4" are set to "not applicable" when the server 10 performs the authentication skip determination process in the payment type "display terminal code". This is because it is not possible to know the planned payment amount at.

The authentication skip condition included in the condition category No. “SP4” is set to “not applicable” when the payment type is “display terminal code”, the server 10 purchases a planned purchase product at the timing of performing the authentication skip determination process. This is because it is impossible to grasp.

On the other hand, with respect to the payment type “read terminal code”, as an example without limitation, “×(◯)” is set as not applicable to the authentication skip condition of the condition No. “SP5-1”, and other authentication skip conditions are set. Is applicable "○" is defined.

Further, for both the payment type “display terminal code” and “read terminal code”, “×(◯)” is set as the authentication skip condition of the condition No “SP5-1”, but this is basically This is because the lock status on the OS side of the terminal 20 and the lock status on the payment application side cannot be grasped on the server 10 side due to the physical specifications.
However, if the specification of the terminal 20 side is changed so as to notify the server 10 of the information on the lock status, the lock status of the terminal 20 can be grasped on the server 10 side, and thus the authentication skip determination can be performed. It will be possible.

<Process>
4-4 to P4-6 are flowcharts showing an example of the flow of processing executed by each device in the present embodiment.
In these figures, in order from the left side, the second payment application process, which is an example of the payment application process executed by the payment application processing unit 213 of the terminal 20, and the store payment executed by the store payment processing unit 513 of the store code reader device 50. The second store payment processing, which is an example of the processing, and the second payment management processing, which is an example of the payment management processing executed by the payment management processing unit 113 of the server 10, are shown.

Note that the flowcharts described below merely exemplify the processing in the present embodiment, and some steps may not be executed or additional steps may be inserted in the flowcharts described below.
Also, the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

First, the payment application processing unit 213 of the terminal 20 executes the processes of A1 to A3. If the payment type is “display terminal code” (A3: display terminal code), the terminal display code acquisition processing unit 2131 executes processing of A5.

When the server 10 determines that the terminal display code generation request information is received from the terminal 20 by the communication I/F 14 (C1; Yes), the authentication skip determination processing unit 1139 causes the authentication skip determination processing unit 1139 to store the authentication stored in the storage unit 15. According to the skip determination processing program 1515, the third authentication skip determination processing is executed (G1). Note that, in order to distinguish it from the authentication skip determination process in the other embodiment, it is referred to as “third authentication skip determination process” for convenience.

Specifically, the authentication skip determination processing unit 1139 uses various methods acquired from the storage unit 15 to determine whether the authentication skip condition included in the authentication skip condition data 156 of the storage unit 15 is satisfied, by the same method as in the first embodiment. The determination is made based on the server management information and the information obtained by requesting the terminal 20.

After performing the third authentication skip determination process, the payment management processing unit 113 determines whether the determination to skip the authentication process has been made (G3). If it is determined to skip the authentication process (G3; Yes), the payment management processing unit 113 shifts the process to C3.

On the other hand, when it is determined that the authentication process is not skipped (G1: No), the payment management processing unit 113 transmits the additional authentication request information to the terminal 20 through the communication I/F 14 (G5).

The payment application processing unit 213 determines whether or not the additional authentication request information is received from the server 10 by the communication I/F 22 (E1), and if it is determined not to be received (E1; No), the process proceeds to A7. Transfer. In this case, the authentication process is skipped at the terminal 20.

On the other hand, when it is determined that the additional authentication request information is received from the server 10 by the communication I/F 22 (E1; Yes), the payment application processing unit 213 executes the processing of A13 to A17. In this case, the authentication process is executed in the terminal 20.

When the authentication result is “OK” in the authentication processing (A15; Yes), the payment application processing unit 213 transmits the authentication success information to the server 10 via the communication I/F 22 (E3).

When the payment management processing unit 113 receives the authentication success information from the terminal 20 through the communication I/F 14 (G7), the payment management processing unit 113 executes the processing of C3 and C5. That is, after receiving the information indicating that the authentication is successful from the terminal 20, the terminal display code is generated (C3), and the generated terminal display code is transmitted to the terminal 20 (C5).

On the other hand, if it is determined in A3 that the payment type is “read terminal code” (A3; read terminal code), the payment application processing unit 213 executes the processing of A31 to A43.

When the server 10 receives the first payment request information from the terminal 20 through the communication I/F 14 (C37), the authentication skip determination processing unit 1139 makes the first operation according to the authentication skip determination processing program 1515 stored in the storage unit 15. The authentication skip determination process of No. 3 is executed (G1).

After performing the third authentication skip determination process, the payment management processing unit 113 determines whether the determination to skip the authentication process has been made (G3). When it is determined to skip the authentication processing (G3; Yes), the payment management processing unit 113 shifts the processing to C11.

On the other hand, when it is determined that the authentication process is not skipped (G1: No), the payment management processing unit 113 transmits the additional authentication request information to the terminal 20 through the communication I/F 14 (G5).

The payment application processing unit 213 determines whether or not the additional authentication request information is received from the server 10 by the communication I/F 22 (E1), and if it is determined not to be received (E1; No), the process proceeds to A21. Transfer. In this case, the authentication process is skipped at the terminal 20.

On the other hand, if the settlement application processing unit 213 determines that the additional authentication request information has been received from the server 10 by the communication I/F 22 (E1; Yes), it executes the processes of A13 to A17. In this case, the authentication process is executed in the terminal 20.

In the above process, when the payment type is “display terminal code”, the server 10 receives the terminal display code generation request information from the terminal 20 (C1; after Yes) at the timing of the third. However, the present invention is not limited to this.
By way of example and not limitation, the server 10 may perform the third authentication skip determination process at a timing after receiving the second payment request information from the store code reader device 50 (after C9). You don't have to.

<Effects of Second Embodiment>
In the second embodiment, the server 10 receives payment request information (an example of information on electronic money payment by the terminal, without limitation) from the terminal 20 through the communication I/F 14, and additional authentication request information (without limitation, The information regarding the authentication of the user of the terminal) is transmitted to the terminal 20 by the communication I/F 14. Further, the server 10 receives authentication success information (an example of information indicating that the user of the terminal has been authenticated) from the terminal 20 through the communication I/F 14, and makes a payment based on the received authentication success information. Result information (an example of payment information indicating that payment by electronic money has been made) is transmitted to the terminal 20 via the communication I/F 14. Then, the server 10 acquires additional authentication request information to the terminal 20 by the communication I/F 14 by acquiring information different from an authentication password (an example of authentication information without limitation,) for authenticating the user of the terminal 20. The structure which does not transmit but the payment result information is transmitted to the terminal 20 by communication I/F14 is shown.
As an example of the effect obtained by such a configuration, the server obtains information different from the authentication information for authenticating the user of the terminal at the time of payment by electronic money, and thereby the information regarding the authentication of the user of the terminal is obtained. Since it is not transmitted to the server, the processing load on the server can be reduced. In addition, since the payment information can be transmitted to the terminal without transmitting the information regarding the authentication of the user of the terminal to the terminal, the convenience of the user can be improved.

In the second embodiment, the information different from the authentication password is the terminal identification information of the terminal 20 or the information associated with the user identification information of the terminal 20 (including, without limitation, identifying the terminal or the user of the terminal). 2 shows a configuration including an example of information associated with identification information for performing the operation.
As an example of the effect obtained by such a configuration, the server transmits information related to the authentication of the user of the terminal to the terminal by acquiring the information associated with the terminal or the identification information for identifying the user of the terminal. The payment information can be transmitted to the terminal without performing the payment.

In addition, in the second embodiment, the terminal identification information of the terminal 20 or the information associated with the user identification information of the terminal 20 is the information regarding the IMS money associated with the terminal 20 or the user of the terminal 20 (limited). However, an example of information relating to a terminal or electronic money associated with a user of the terminal is included.
As an example of the effect obtained by such a configuration, the server acquires the information about the electronic currency associated with the terminal or the user of the terminal, and thereby makes a payment without transmitting the information about the authentication of the user of the terminal to the terminal. Information can be sent to the terminal.

In the second embodiment, the information about the IMS money associated with the terminal 20 or the user of the terminal 20 is the information about the money amount of the IMS money associated with the terminal 20 or the user of the terminal 20 (limited). Instead, it shows a configuration including an example of information regarding the amount of electronic money associated with a terminal or a user of the terminal.
As an example of the effect obtained by such a configuration, the server transmits the information regarding the authentication of the user of the terminal to the terminal by acquiring the information regarding the amount of electronic money associated with the terminal or the user of the terminal. The payment information can be transmitted to the terminal without the need. For example, when the amount of electronic money is low, it is possible to omit the authentication at the terminal by not transmitting the information related to the authentication of the user of the terminal to the terminal, which improves the convenience of the user. be able to.

In addition, in the second embodiment, the information regarding the amount of IMS money associated with the terminal 20 or the user of the terminal 20 is set to the one-day upper limit amount (not limited to, the set amount of the electronic money set. 2 shows a configuration including an example of information regarding).
As an example of the effect obtained by such a configuration, the server obtains the information about the set amount of the set electronic money, so that the payment information is sent to the terminal without transmitting the information about the authentication of the user of the terminal to the terminal. Can be sent.

In addition, in the second embodiment, the server 10 uses the communication I/F 14 to send additional authentication request information (an example of information about authentication of a user of a terminal, without limitation) until the above-mentioned one-day upper limit set amount is exceeded. It shows a configuration in which the payment result information is transmitted to the terminal 20 by the communication I/F 14 without being transmitted to the terminal 20.
As an example of the effect obtained by such a configuration, the server does not transmit the information related to the authentication of the user of the terminal to the terminal until the set amount of electronic money set is exceeded, so that it is possible to reduce the communication amount of the server. It is possible to reduce the load on the server. In addition, when the set amount of electronic money has been exceeded, the server sends information regarding the authentication of the user of the terminal to the terminal, so that the user of the terminal can be alerted that the set amount of money has been exceeded. ..

Further, in the second embodiment, the information on the amount of the IMS money is the information on the balance of the IMS money associated with the terminal 20 or the user of the terminal 20 (not limited to the terminal or the user of the terminal. 1) showing an example of information about the balance of electronic money.
As an example of the effect obtained by such a configuration, the server transmits information regarding the authentication of the user of the terminal to the terminal by acquiring information regarding the terminal or the balance of electronic money associated with the user of the terminal. It is possible to send the payment information to the terminal without using it. In addition, the server can appropriately perform the process related to the payment based on the information related to the balance of electronic money associated with the terminal or the user of the terminal.

In addition, in the second embodiment, when the balance of the IMS money is less than or equal to the set amount of money or less than the set amount of money, the server 10 adds additional authentication request information (an example of information about authentication of a user of a terminal, without limitation). Is not transmitted to the terminal 20 via the communication I/F 14, but the settlement result information is transmitted to the terminal 20 via the communication I/F 14.
As an example of the effect obtained by such a configuration, the server does not send information regarding the authentication of the user of the terminal to the terminal when the balance of electronic money is less than or equal to the set amount or less than the set amount, The communication volume of the server can be reduced, and the load on the server can be reduced. In addition, for example, when the balance of electronic money is small, it is considered that high-value payment cannot be made and the risk is low. Therefore, by not transmitting the information related to the authentication of the user of the terminal to the terminal, It is possible to omit authentication, and it is possible to improve convenience for the user while ensuring safety.

In the second embodiment, the server 10 communicates the additional authentication request information when the balance of the IMS money is less than or equal to the set amount or less than the set amount when the auto charge setting of the terminal 20 is “ON”. It shows a configuration in which the I/F 14 transmits the payment result information to the terminal 20 and the communication I/F 14 transmits the payment result information to the terminal 20.
As an example of the effect obtained by such a configuration, the server is set to automatically deposit electronic money into the terminal when the electronic money of the terminal is less than or equal to the set amount or less than the set amount. If so, electronic money will be automatically deposited into the terminal if the amount of money becomes small, so that a large amount of payment can be made, which poses a risk. Therefore, the server can alert the user that a high-value payment can be made by transmitting the information related to the authentication of the user of the terminal to the terminal by the communication unit.

Further, in the second embodiment, the above-mentioned information about the IMS money includes the information about the frequency or the number of payments made by the IMS money.
As an example of the effect obtained by such a configuration, the server obtains the information on the frequency or the number of payments made by electronic money, so that the payment information can be obtained without transmitting the information on the authentication of the user of the terminal to the terminal. Can be sent to the terminal. For example, when the frequency of payment by electronic money is high or the number of times of payment is high, there is a high possibility that the same user is making payment by electronic money, and it is considered that the risk is low. By not transmitting the information related to the authentication to the terminal, it is possible to omit the authentication at the terminal, and it is possible to improve the convenience of the user while ensuring the safety.

In addition, in the second embodiment, the above-mentioned information about the IMS money includes the information about the time when the settlement is performed by the IMS money.
As an example of the effect obtained by such a configuration, the server obtains the information about the time when the payment is made by electronic currency, so that the payment information is sent to the terminal without transmitting the information about the authentication of the user of the terminal to the terminal. Can be sent.

In addition, in the second embodiment, the server 10 uses the communication I/F 14 to send additional authentication request information (an example of information about authentication of a user of a terminal, without limitation) to the terminal when the time is within a set time from the time of payment. 20 shows a configuration in which the payment result information is transmitted to the terminal 20 by the communication I/F 14 without being transmitted to the terminal 20.
As an example of the effect obtained by such a configuration, the server does not transmit the information related to the authentication of the user of the terminal to the terminal within the set time from the time when the settlement is performed, so that the communication volume of the server is reduced. Therefore, the load on the server can be reduced. Also, for example, if the same amount of time has not passed since the payment was made, it is likely that the same user will make the payment again, and it is considered that the risk is low. By not doing so, it is possible to improve convenience for the user while ensuring safety.

In addition, in the second embodiment, the above-mentioned information about the IMS money includes the information about the place where the settlement is made by the IMS money.
As an example of the effect obtained by such a configuration, the server obtains the information about the place where the payment is made by electronic currency, so that the payment information is sent to the terminal without transmitting the information about the authentication of the user of the terminal to the terminal. Can be sent.

In addition, in the second embodiment, the information regarding the place where the settlement is performed by the IMS money includes the information regarding the store where the settlement is performed by the IMS money.
As an example of the effect obtained by such a configuration, the server acquires the information about the store that has made a payment by electronic money, so that the payment information can be sent to the terminal without transmitting the information related to the authentication of the user of the terminal to the terminal. Can be sent.

In addition, in the second embodiment, the server 10 adds additional authentication request information (not limited to information on authentication of a user of the terminal, based on the position of the store that has made payment by IMS money and the position of the terminal 20). 1) is not transmitted to the terminal 20 via the communication I/F 14, but the settlement result information is transmitted to the terminal 20 via the communication I/F 14.
As an example of the effect obtained by such a configuration, since the server does not transmit the information regarding the authentication of the user of the terminal to the terminal based on the information regarding the store that has made payment by electronic money and the information regarding the position of the terminal. It is possible to reduce the communication volume of the server and reduce the load on the server. Also, for example, if the location of the terminal is not far from the store where payment was made by electronic money in the past, it is highly possible that the user is trying to make payment at the same store, and it is considered that the risk is low, so the terminal By not transmitting the information regarding the user authentication of (1) to the terminal, it is possible to improve the convenience of the user while ensuring the safety.

In addition, in the second embodiment, the above-mentioned information about the IMS money includes a configuration including information about the location of the store that has performed the authentication to settle the IMS money.
As an example of the effect obtained by such a configuration, the server transmits the information related to the authentication of the user of the terminal to the terminal by acquiring the information related to the place where the authentication for electronic money settlement is performed. The payment information can be transmitted to the terminal without the need. In addition, for example, if the authentication is performed for electronic money in the past, the authentication may be performed again for the same user, and the risk is considered to be low. By not transmitting the information related to the authentication to the terminal, it is possible to improve the convenience of the user while ensuring the safety.

In addition, the second embodiment relates to the terminal identification information of the terminal 20 or information associated with the user identification information of the terminal 20 (not limited to, associated with identification information for identifying the terminal or the user of the terminal. The example of the information described above) indicates a configuration including the information of the product purchased by the user of the terminal 20.
As an example of the effect obtained by such a configuration, the server obtains the information about the product purchased by the user of the terminal, and thus the payment information is sent to the terminal without transmitting the information about the authentication of the user of the terminal to the terminal. Can be sent.

Further, in the second embodiment, the server 10 communicates the additional authentication request information with the communication I/F 14 based on the information on the product purchased by the user of the terminal 20 and the information on the product purchased by the user of the terminal 20. The payment result information is transmitted to the terminal 20 by the communication I/F 14 instead of being transmitted to the terminal 20 by the.
As an example of the effect obtained by such a configuration, the server provides the information about the authentication of the user of the terminal based on the information about the product purchased by the user of the terminal and the information about the product purchased by the user of the terminal. Since the data is not transmitted to the terminal, the communication volume of the server can be reduced and the load on the server can be reduced. In addition, for example, if the same product has been purchased in the past, it is highly likely that the same user is trying to purchase the same product, and it is considered that the risk is low. Therefore, information regarding the authentication of the user of the terminal is transmitted to the terminal. By not doing so, it is possible to improve convenience for the user while ensuring safety.

In addition, the second embodiment shows a configuration in which the information different from the authentication password includes information about the store.
As an example of the effect obtained by such a configuration, the server can transmit the payment information to the terminal without transmitting the information regarding the authentication of the user of the terminal to the terminal by acquiring the information regarding the location.

Further, the second embodiment shows a configuration in which the above-mentioned information about the store includes information about the store where the product is purchased, is transmitted from the store server 70, and is received by the server 10 by the communication I/F 14.
As an example of the effect obtained by such a configuration, the server can be acquired by receiving the information about the store that purchases the product transmitted from the server of the store that manages the product.

Further, in the second embodiment, the server 10 receives the position information of the terminal 20 from the terminal 20 by the communication I/F 14, and the position information of the store where the user of the terminal 20 purchases the product and the position information of the terminal 20. Based on the above, a configuration is shown in which the additional authentication request information is not transmitted to the terminal 20 by the communication I/F 14 and the settlement result information is transmitted to the terminal 20 by the communication I/F 14.
As an example of the effect obtained by such a configuration, the server does not transmit the information regarding the authentication of the user of the terminal to the terminal based on the information regarding the position of the store where the product is purchased and the received information regarding the position of the terminal. Therefore, the communication volume of the server can be reduced and the load on the server can be reduced. Further, for example, if the position of the store where the product is purchased and the position of the terminal are not far apart, it is highly possible that the user is trying to make payment at that store, and the risk is considered to be low. By not transmitting the information related to the authentication to the terminal, the convenience of the user can be improved.

In addition, the second embodiment shows a configuration in which the information different from the authentication password includes information about the product.
As an example of the effect obtained by such a configuration, the server can transmit the payment information to the terminal without transmitting the information regarding the authentication of the user of the terminal to the terminal by acquiring the information regarding the product.

In addition, in the second embodiment, when the planned purchase product is a daily consumer good, the server 10 uses the communication I/F 14 to provide additional authentication request information (an example of information regarding user authentication of the terminal, without limitation). 20 shows a configuration in which the payment result information is transmitted to the terminal 20 by the communication I/F 14 without being transmitted to the terminal 20.
As an example of the effect obtained by such a configuration, the server does not send the information regarding the authentication of the user of the terminal to the terminal when the information regarding the product matches the information regarding the preset product. The amount can be reduced and the load on the server can be reduced.

In addition, the second embodiment shows a configuration in which the above-mentioned information regarding products includes information regarding the total amount of products to be purchased.
As an example of the effect obtained by such a configuration, the server can transmit the payment information to the terminal without transmitting the information regarding the authentication of the user of the terminal to the terminal by acquiring the information regarding the total amount of the product. .. In addition, for example, when the total price of the products is low, the risk is considered to be low. Therefore, by not transmitting the information related to the authentication of the user of the terminal to the terminal, the safety and the convenience of the user are ensured. Can be improved.

<Second Modification (1)>
The authentication skip determination on the terminal 20 side described in the first embodiment and the authentication skip determination on the server 10 side described in the second embodiment may be combined to perform a composite process. You don't have to.

FIG. 4-7 and FIG. 4-8 are flowcharts showing an example of the flow of processing executed by each device in this case.
In these figures, in order from the left side, the third payment application process, which is an example of the payment application process executed by the payment application processing unit 213 of the terminal 20, and the store payment executed by the store payment processing unit 513 of the store code reader device 50. The third store settlement process, which is an example of the process, and the third settlement management process, which is an example of the settlement management process executed by the settlement management processing unit 113 of the server 10, are shown.

When the payment application processing unit 213 determines that the payment type is “display terminal code” in A3 (A3; display terminal code), the payment application processing unit 213 performs first authentication skip determination processing (H3). Then, the payment application processing unit 213 performs the processing of A11 to A17.

When it is determined that the authentication result is “OK” in A15 (A15; Yes), or when it is determined that the authentication process is skipped in A11 (A11; Yes), the payment application processing unit 213 uses the communication I/F 22. , The terminal display code generation request information including the user ID and the authentication skip status information, which is information indicating whether or not the authentication process is skipped, is transmitted to the server 10 (H15).

The settlement management processing unit 113 determines whether or not the terminal display code generation request information is received from the terminal 20 by the communication I/F 14 (J1). Then, if it is determined that it has been received (C1; Yes), after performing the processes of C3 to C9, the authentication skip determination processing unit 1139 executes the fourth authentication skip determination process (J3). Note that, in order to distinguish it from the authentication skip determination process in the other embodiment, it is referred to as a “fourth authentication skip determination process” for convenience.

In the fourth authentication skip determination process, whether the authentication skip determination processing unit 1139 skips the authentication process in the terminal 20 based on the authentication skip status information included in the terminal display code generation request information received from the terminal 20. Determine whether or not.

If the authentication process is not skipped by the terminal 20, the authentication skip determination processing unit 1139 determines that additional authentication is not required. This is because the terminal 20 has already been authenticated.
On the other hand, when the authentication process is skipped by the terminal 20, the authentication skip determination processing unit 1139 determines whether or not the authentication skip condition is satisfied based on the authentication skip condition included in the authentication skip condition data 156 of the storage unit 15. Then, if the authentication skip condition is satisfied, it is determined that additional authentication is not necessary, and if the authentication skip condition is not satisfied, it is determined that additional authentication is required. This is because the terminal 20 skips the authentication process, but it may be better to let the terminal 20 perform additional authentication depending on the result of the authentication skip determination by the server 10.

As a specific example, for example, due to the difference between the setting related to the authentication skip on the terminal 20 side and the setting related to the authentication skip on the server 10 side, it is determined that the terminal 20 skips the authentication process because the planned payment amount is not high. However, the server 10 determines that there is a problem (with risk) in skipping the authentication process of the terminal 20 because the planned payment amount is high, and cancels the authentication skip of the terminal 20 to perform additional authentication. There are cases.

Unlike the above, when the authentication process is skipped at the terminal 20, the server 10 may rely on the determination of the terminal 20 and determine that additional authentication is not required. In this case, it is not necessary to perform the authentication skip determination on the server 10 side.

When it is determined in the fourth authentication skip determination process that additional authentication is necessary (G3; No), the payment management processing unit 113 transmits additional authentication request information to the terminal 20 via the communication I/F 14 (G5). Then, the payment management processing unit 113 receives the authentication success information from the terminal 20 via the communication I/F 14 (G7), and then performs the payment process (C11). Then, the payment management processing unit 113 shifts the processing to C13.

The payment application processing unit 213 performs processing of E1, A13 to A17, and E3 after A19, and then moves the processing to A21.

<Effect of Second Modification (1)>
As an example of the effect obtained by this modification, the terminal and the server can cooperate with each other to determine whether or not to execute the display process related to the authentication of the user of the terminal. In addition, by transmitting the information regarding whether or not the display process is performed from the terminal to the server, the server can easily determine whether or not the terminal additionally performs the display process.

<Second Modification (2)>
Similar to <First Modification (10)>, the store side may request the server 10 to cause the terminal 20 to skip the authentication process.

FIG. 4-9 is a flowchart showing an example of the flow of processing of each device in this case, and is a diagram showing a processing portion when the settlement type is “read terminal code” in the processing described in the second embodiment. 4-5 is the extracted processing portion. It should be noted that the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

When the settlement management processing unit 113 receives the authentication skip request information from the store code reader device 50 by the communication I/F 14 (C51), it performs the processes of C53 to C65. After that, when the settlement management processing unit 113 receives the first settlement request information from the terminal 20 via the communication I/F 14 (C37), the authentication skip determination processing unit 1139 executes the fifth authentication skip determination process (G51). ). In addition, in order to distinguish it from the authentication skip determination process in the other embodiment, it is referred to as a “fifth authentication skip determination process” for convenience.

In the fifth authentication skip determination processing, the authentication skip determination processing unit 1139 refers to the terminal reading code management database 1593, and associates the authentication skip “present” with the payment page URL accessed by the terminal 20. It is determined whether or not there is any, and if they are associated, it is determined to skip the authentication process. Then, the payment management processing unit 113 shifts the processing to G3 or later.

<Effect of Second Modification (2)>
In this modification, the information different from the authentication password includes the authentication skip information.
As an example of the effect obtained by such a configuration, the server can easily cause the terminal to skip the authentication of the user of the terminal based on the skip information for skipping the authentication of the user of the terminal.

Further, the present modification shows a configuration in which the authentication skip information is generated by the server 10 based on the authentication skip request information transmitted from the shop code reader device 50.
As an example of the effect obtained by such a configuration, the server can generate skip information for causing the terminal to skip the authentication of the user of the terminal based on the request from the store that manages the product.

<Second Modification (3)>
The server 10 may or may not change the authentication skip condition based on the credit score of the user of the terminal 20.

Specifically, as an example and not by way of limitation, the server 10 lengthens the “setting time” in the authentication skip condition of the condition No. “SP1-1” of the authentication skip condition data 156 as the trust score of the user of the terminal 20 increases. It may or may not be done.

More specifically, by way of example and not limitation, the set time when the credit score is 0 is set as “2 hours”. In addition, a threshold value that is an integral multiple of 10 points (10 points, 20 points,..., 100 points) is set as the threshold value of the credit score. Then, each time the credit score of the user of the terminal 20 reaches the threshold value, the set time can be set longer by one hour, for example.

Also, as an example and not by way of limitation, the server 10 increases the “one day upper limit set amount” in the authentication skip condition of the condition No “SP3-1” of the authentication skip condition data 156 as the credit score of the user of the terminal 20 increases. It may or may not be done. More specifically, by way of example and not limitation, the daily upper limit setting amount when the credit score is 0 is set to “0 yen”. In addition, a threshold value that is an integral multiple of 10 points (10 points, 20 points,..., 100 points) is set as the threshold value of the credit score. Then, each time the user's credit score of the terminal 20 reaches a threshold value, the daily maximum set amount can be set to be increased by 5000 yen.

Also, as an example and not by way of limitation, the higher the credit score of the user of the terminal 20, the easier it may be determined to skip the authentication process, or it may not be necessary. For example, for a user whose credit score is “90 points or more”, the authentication process is skipped regardless of whether or not the authentication skip conditions of other types are satisfied. Further, for a user with a credit score of “80 points or more and less than 90 points”, the authentication process is skipped when any one of the other types of authentication skip conditions is satisfied, and the credit score is “ For the user having “70 points or more and less than 80 points”, the authentication process is skipped when any two authentication skip conditions of the other types of authentication skip conditions are satisfied.
The same applies hereinafter.

Further, as a non-limiting example, for a user whose credit score is equal to or higher than a threshold score (for example, “60 points or higher”), the authentication skip determination is performed only by the server 10 by the method described in the second embodiment. For users with a score lower than the threshold score (for example, “less than 60 points”), the authentication skip determination may be performed by both the terminal 20 and the server 10 by the method described in the second modified example (1). You don't have to.

<Effect of Second Modification (3)>
As an example of the effect obtained by this modification, the skip condition can be changed based on the trust of the user of the terminal. For example, the higher the credibility of the user of the terminal, the easier it is for authentication to be skipped, so that the convenience of the user can be improved.

<Second Modification (4)>
As a place where the terminal 20 makes a payment, for example, a case where a product is purchased using in-vehicle sales of the Shinkansen or a case where a meal is eaten at a moving stall is assumed. In this case, the position of the terminal 20 and the position of the store change.

Therefore, for mobile stores, the server 10 acquires the store position information from the mobile stores. Further, the server 10 acquires the terminal position information from the terminal 20. Then, when the server 10 determines the authentication skip condition “the position of the planned payment store and the position of the terminal are not separated” of the condition No “SP2-5”, for example, the store position information acquired from the mobile store. And the terminal position information acquired from the terminal 20 may be used for the determination.

<Effect of Second Modification (4)>
As an example of the effect obtained by this modification, even when the store moves, the server appropriately authenticates the user of the terminal based on the position information acquired from the terminal and the position information acquired from the store. Can be skipped to.

<Third Embodiment>
The third embodiment is an embodiment in which the authentication skip information described above is included in a payment code. In the third embodiment, based on the same idea as the <first modified example (10)>, a risk is placed on the shop side and the authentication process of the terminal 20 is skipped. The difference from <First Modification (10)> is that the authentication skip information is included in the terminal reading code.
The contents described in the third embodiment can be applied to any of the other embodiments.
Further, the same components as those already described are designated by the same reference numerals, and the repeated description will be omitted.

<Functional configuration>
FIG. 5A is a diagram illustrating an example of functions implemented by the control unit 11 of the server 10 according to this embodiment.
The payment management processing unit 113 includes a terminal display code generation processing unit 1131, a terminal display code transmission processing unit 1133, a store payment result information transmission processing unit 1136, a terminal payment result information transmission processing unit 1137, and an authentication. In addition to the skip determination processing unit 1139, it has a special terminal reading code generation processing unit 1134 and a special terminal reading code transmission processing unit 1135.

The special terminal reading code generation processing unit 1134 has a function of generating a special terminal reading code which is a special terminal reading code including authentication skip information.

The special terminal reading code transmission processing unit 1135 has a function of transmitting the special terminal reading code generated by the special terminal reading code generation processing unit 1134 to the terminal 20.

<Process>
FIG. 5-2 is a flowchart showing an example of the flow of processing of each device in the present embodiment, which is a processing part in the case where the payment type is “read terminal code” in the processing described in the first embodiment. The processing portion of FIG. 3-29 is extracted. It should be noted that the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

When the store payment processing unit 513 determines that the payment type is not “display terminal code” in B5, that is, the payment type is “read terminal code” (B3; No), the special terminal is set by the communication I/F 54. The read code generation request information is transmitted to the server 10 (M51).

Specifically, if the store is a store that operates the type 1 terminal reading code, the store payment processing unit 513 associates the store ID with the type 1 terminal reading code by way of example and not limitation. The special terminal reading code generation request information including the sales amount information of the commodity to be sold and the authentication skip request information is transmitted to the server 10.
When the own store is a store that operates the type 2 terminal reading code, the store settlement processing unit 513, as an example and not limitation, the special terminal reading code including the store ID and the authentication skip request information. The generation request information is transmitted to the server 10.

Here, the authentication skip request information is the same as the authentication skip request information described in <First modification (10)>, and is information (request information) for requesting the server 10 to generate the authentication skip information. This authentication skip request information can be transmitted from the store code reader device 50 to the server 10 based on the approval of the store server 70, for example and without limitation. That is, it can be said that the authentication skip request information is information requested by the server (store server 70) of the store that performs the settlement of the IMS money by the terminal 20.

Specifically, in the case where the own store is a store that operates the code for reading the first-class terminal, for example, without limitation, the sales amount information of products such as bento and beverages that the store sells at a uniform amount of money, It can be included in the special terminal reading code generation request information.

However, the information that can be included in the special terminal reading code generation request information is not limited to the above information. In addition to the above information, as an example and without limitation, information (a product name, a product type, etc.) regarding a product to be sold in association with the special terminal reading code may or may not be included.

In addition, the information on the above-mentioned product is, for example, without limitation, a product that is less than or equal to the set amount of money or less than the set amount of money (depending on the type of business of the store, the product to be sold, product type, etc. It may or may not be information regarding products of "less than 500 yen", products of "1,000 yen or less" or products of "less than 1000 yen".

In addition, in a store that operates a type 1 terminal reading code, by way of example and not limitation, the salesclerk of the store inputs and sets the total amount of products that the user of the terminal 20 purchases with the IMS money into the store code reader device 50. By doing so, the information about the total amount of products purchased by the user of the terminal 20 with the IMS money may or may not be included in the special terminal reading code generation request information.

In addition, the store code reader device 50 replaces the store ID (store identification information) with or in addition to the store area information (an example of information about a place, without limitation) of the location of the store, as a special terminal reading code. It may or may not be included in the generation request information and transmitted to the server 10.

Although the shop code reader device 50 will be described here as transmitting special terminal reading code generation request information to the server 10, instead, the shop server 70 sends the special terminal reading code generation request information. It may or may not be transmitted to the server 10.

When the settlement management processing unit 113 receives the special terminal reading code generation request information from the store code reader device 50 through the communication I/F 14 (N51), it performs special terminal reading code generation determination processing (N53).

Specifically, by way of example and not limitation, it is determined whether or not the store from which the special terminal reading code generation request information is transmitted is a member store. Further, when the received special terminal reading code generation request information includes sales amount information of a product to be sold in association with the first type terminal reading code, the sales amount indicated by the sales amount information is within an appropriate range. Amount of money (as an example and not limitation, below a threshold amount of money (depending on the type of business in the store, the product/product type sold, etc., for example, "1,000 yen or less", "2000 yen or less", "3000 yen or less", etc.) If these conditions are satisfied, it is determined that the special terminal reading code is to be generated.On the other hand, if these conditions are not satisfied, it is determined that the special terminal reading code is not to be generated. To do.

If it is determined to generate the special terminal reading code (N55; Yes), the special terminal reading code generation processing unit 1134 performs the special terminal reading code generation processing (N57).

In this special terminal reading code generation processing, the special terminal reading code generation processing unit 1134 generates a special terminal reading code including access information and authentication skip information, for example and without limitation. More specifically, for example, data composed of a character string of a payment page URL and a character string of a command instructing or requesting to skip the authentication process is encoded (encoded), converted into a graphic form, A special terminal reading code represented by a two-dimensional code image is generated.

In addition, the payment management processing unit 113, in association with the store ID of this store, the sales amount (only for stores that operate the code for reading the first-class special terminal), the payment page URL, and the presence or absence of authentication skip (here: It is stored in the terminal reading code management database 1593 of the code management database 159 in association with the authentication skip “present”).

As the authentication skip information, do not include the command for instructing or requesting to skip the authentication process in the special terminal reading code, but include the token including the authentication skip information in the special terminal reading code. It may or may not be.

After that, the special terminal reading code transmission processing unit 1135 transmits the special terminal reading code to the store code reader device 50 which is the transmission source of the special terminal reading code generation request information through the communication I/F 14 (N59).

On the other hand, if it is determined that the special terminal reading code is not generated (N55; No), the payment management processing unit 113 notifies the store code reader by the communication I/F 14 that the special terminal reading code cannot be generated. The device 50 is notified (N61). Then, the payment management processing unit 113 shifts the processing to N63.

The store payment processing unit 513 determines whether the special terminal reading code is received from the server 10 by the communication I/F 54 (M53), and if it is determined that the code has been received (M53; Yes), the received special terminal is received. The reading code is displayed on the display unit 53 (M55).

On the other hand, if the store payment processing unit 513 determines that the authentication skip prohibition information is received without receiving the special terminal reading code from the server 10 by the communication I/F 54 (M53; No), FIG. The processing moves to B15.

The payment application processing unit 213 of the terminal 20 uses either the terminal reading code posted in the store or the special terminal reading code displayed on the display unit 53 of the store code reader device 50 at M55 as an application code reader. Read with (L51). Then, the payment application processing unit 213 performs the processing of A33 and A35.

The payment management processing unit 113 determines the payment schedule information according to the access to the payment page from the terminal 20 (N63). Specifically, the terminal reading code management database 1593 is referred to, and the information stored in association with this payment page is acquired. Then, the payment management processing unit 113 transmits the payment schedule information according to the determination result to the terminal 20 via the communication I/F 14 (N65).

In this case, when the information associated with the payment page is the information on the store that operates the code for reading the first-class special terminal, the payment management processing unit 113 sets the planned payment store and the planned payment amount. The first type settlement schedule information including the information is transmitted to the terminal 20 by the communication I/14. On the other hand, when the information associated with the payment page is the information about the store that operates the code for reading the second-class special terminal, the payment management processing unit 113 causes the second-class payment schedule information including the planned store. (The planned payment amount is not included.) is transmitted to the terminal 20 by the communication I/14.

When the payment application processing unit 213 receives the payment schedule information from the server 10 via the communication I/F 22 (L53), the payment application processing unit 213 performs the processes of A39 and A41, and then performs the sixth authentication skip determination process (L55).

In the sixth authentication skip determination process, the authentication skip determination processing unit 2135 determines whether the code information acquired in the A33 code information acquisition process includes the authentication skip information. When the special terminal reading code displayed on the store code reader device 50 is read at L51, it is determined that the acquired code information includes the authentication skip information, while the terminal read on the store is read. If the business code has been read, it is determined that the acquired code information does not include the authentication skip information. Then, when it is determined that the acquired code information includes the authentication skip information, it is determined that the authentication process is skipped. Then, the payment application processing unit 213 shifts the processing to A11.

<Effects of Third Embodiment>
In the third embodiment, the server 10 (an example of an information processing apparatus without limitation) uses a terminal 20 to read a special terminal code related to settlement of IMS money (an example of electronic money without limitation). (An example of information) is generated. The server 10 obtains information (an example of information, not limitation) such as store information and sales amount information based on the special terminal reading code request information. Then, the server 10 generates a special terminal reading code based on the acquired information, including information related to the authentication process executed by the terminal 20 (an example of information related to authentication of a user of the terminal, but not limited to this). The structure is shown.
As an example of the effect obtained by such a configuration, the information processing apparatus can easily generate the code information based on the acquired information, including the information regarding the authentication of the user of the terminal. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

Further, in the third embodiment, the above-described special terminal reading code (an example of code information without limitation) includes information read by an application code reader (an example of code reader without limitation) of the terminal 20. Is shown.
As an example of the effect obtained by such a configuration, the information processing device can generate code information including information read by the code reader of the terminal.

The third embodiment shows a configuration in which the information acquired by the server 10 includes information different from an authentication password (an example of authentication information for authenticating a user of a terminal without limitation).
As an example of the effect obtained by such a configuration, the information processing apparatus obtains information different from the authentication information for authenticating the user of the terminal, thereby including the code information including the information on the authentication of the user of the terminal. Can be generated. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

In addition, the third embodiment shows a configuration in which the information different from the authentication password includes information about a place.
As an example of the effect obtained by such a configuration, the information processing apparatus can generate the code information including the information on the authentication of the user of the terminal by acquiring the information on the place. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

Further, the third embodiment shows a configuration in which the information about the location includes store identification information (an example is not limited to information about a store where payment is made by electronic money by a terminal).
As an example of the effect obtained by such a configuration, the information processing apparatus generates code information including information related to the authentication of the user of the terminal by acquiring information related to the store in which payment by electronic money is performed by the terminal. can do. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

Further, in the third embodiment, in the case where the store is a store of the first specific business type stored in the server 10 (an example of a specific store without limitation), the special terminal reading code includes authentication skip information. The configuration generated by including is shown.
As an example of the effect obtained by such a configuration, when the store is a specific store stored in the information processing device, the information processing device generates code information including information related to authentication of the user of the terminal. You can In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

The third embodiment shows a configuration in which the information different from the authentication password includes information about a product name and a product type (an example of information about a product without limitation) sold in a store.
As an example of the effect obtained by such a configuration, the information processing apparatus can generate the code information including the information regarding the authentication of the user of the terminal by acquiring the information regarding the product. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

In addition, the third embodiment shows a configuration in which the above-mentioned information about products includes information about products that are less than or equal to the set price or less than the set price.
As an example of the effect obtained by such a configuration, the information processing device obtains information about a product that is less than or equal to the set amount of money or less than the set amount of money, and thus includes the information about the authentication of the user of the terminal, Information can be generated. In this case, for example, if the price of the product purchased by the user is low, the risk is considered to be low. Therefore, by generating code information including information related to authentication of the user of the terminal, it is possible to obtain information related to authentication of the user of the terminal via the generated code information while ensuring safety. Therefore, the convenience of the user can be improved.

In addition, in the third embodiment, the above-mentioned information regarding products includes a configuration including information regarding the total amount of products purchased by the user of the terminal 20 with IMS money.
As an example of the effect obtained by such a configuration, the information processing apparatus obtains information about the total amount of products purchased by the user of the electronic money by the electronic currency, and thus includes the information about the authentication of the user of the terminal and the code information. Can be generated. In this case, for example, if the total amount of products purchased by the user of the terminal with electronic money is low, the risk is considered to be low. Therefore, by generating code information including information related to authentication of the user of the terminal, it is possible to obtain information related to authentication of the user of the terminal via the generated code information while ensuring safety. Therefore, the convenience of the user can be improved.

In addition, the third embodiment shows a configuration in which the information acquired by the server 10 includes authentication skip request information (an example of request information for requesting generation of information related to authentication of a user of a terminal, without limitation). There is.
As an example of the effect obtained by such a configuration, the information processing apparatus acquires the request information for requesting the generation of the information related to the authentication of the user of the terminal, thereby including the code information including the information related to the authentication of the user of the terminal. Can be generated. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

Further, in the third embodiment, the information acquired by the server 10 includes authentication skip request information (an example of request information requested by a server of a store that performs electronic money settlement by a terminal, without limitation). Is shown.
As an example of the effect obtained by such a configuration, the information processing apparatus acquires the request information requested by the server of the store that performs electronic money settlement by the terminal, and thus the user of the terminal depending on the intention of the store. It is possible to generate code information including information related to authentication of. In addition, since it is possible for the terminal to acquire information regarding the authentication of the user of the terminal via the generated code information, it is possible to improve the convenience of the user.

In addition, the third embodiment shows a configuration in which the information including the special terminal reading code includes authentication skip information (an example of skip information for allowing the terminal to skip authentication of a user of the terminal). ing.
As an example of the effect obtained by such a configuration, the information processing apparatus can generate code information including skip information for the terminal to skip the authentication of the user of the terminal. In addition, the terminal can be made to skip the authentication of the user of the terminal via the generated code information.

Further, the third embodiment shows a configuration in which the authentication skip information includes information in which the terminal 20 obtains the authentication skip information and thus the authentication processing by the terminal 20 is skipped.
As an example of the effect obtained by such a configuration, it is possible to cause the terminal to easily and surely skip the authentication of the user of the terminal based on the skip information included in the code information.

Further, in the third embodiment, the server 10 transmits a special terminal reading code (an example of code information without limitation) to the store code reader device 50 by the communication I/F 14, and the special code is read by the application code reader of the terminal 20. The configuration in which the settlement request information is received from the terminal 20 by the communication I/F 14 based on the reading of the terminal reading code is shown.
As an example of the effect obtained by such a configuration, the server can receive and acquire the information regarding the settlement of electronic money by the terminal based on the transmitted code information being read by the code reader of the terminal.

Further, the third embodiment shows a configuration in which the information different from the authentication password includes authentication skip information associated with the special terminal reading code.
As an example of the effect obtained by such a configuration, the server can associate the code information read by the code reader of the terminal with information different from the authentication information.

Further, the third embodiment shows a configuration in which the authentication skip information includes information generated by the shop code reader device 50.
As an example of the effect obtained by such a configuration, the server can associate the code information read by the code reader of the terminal with the information generated based on the store that manages the product.

Further, the third embodiment shows a configuration in which the authentication skip information is generated based on request information transmitted from the shop code reader device 50.
As an example of the effect obtained by such a configuration, the server can generate the information associated with the code information based on the request from the store that manages the product.

<Third Modification (1)>
In the third embodiment, the server 10 generates the special terminal reading code including the authentication skip information, but the present invention is not limited to this. As a non-limiting example, the server 10 includes information used by the terminal 20 to skip the authentication of the user of the terminal 20, that is, information necessary for the terminal 20 to perform the authentication skip determination, and read the special terminal. It is also possible to generate a code for use.

Specifically, as an example and not by way of limitation, the server 10 uses the information about the amount of the product that the user of the terminal 20 will purchase with the IMS money in the special terminal reading code generation process based on the request from the store, the terminal 20. Various information such as information about products that the user of the terminal will purchase with the IMS money, information about an area (area) in which the user of the terminal 20 makes payment with the IMS money, and information about stores where the user of the terminal 20 purchases the product with the IMS money. It is also possible to generate a code for reading the special terminal by including the information.

For example, the store code reader device 50 includes the amount of goods planned to be purchased by the user of the terminal 20 and the total amount thereof in the special terminal reading code generation request information as the planned settlement amount based on the operation of the store clerk. And sends it to the server 10. Then, the server 10 generates the special terminal reading code including the planned settlement amount included in the special terminal reading code generation request information received from the shop code reader device 50.

Further, for example, the store code reader device 50 provides product identification information for identifying the product purchased by the user of the terminal 20 and product type identification information for identifying the product type based on the operation of the store clerk. , Is included in the special terminal reading code generation request information and transmitted to the server 10. Then, the server 10 generates the special terminal reading code by including the product identification information or the product type identification information included in the special terminal reading code generation request information received from the shop code reader device 50.

Further, for example, the store code reader device 50 requests the special terminal reading code to store information such as area information of the location of the store itself and store identification information (store ID) of the store, which is stored in advance in the device itself. The information is included and transmitted to the server 10. Then, the server 10 generates the special terminal reading code including the area information and the shop identification information included in the special terminal reading code generation request information received from the shop code reader device 50.

The special terminal reading code thus generated by the server 10 is transmitted to the shop code reader device 50 to be displayed and read by the terminal 20, as described above. The terminal 20 can perform the authentication skip determination based on various information obtained by decoding the data from the read special terminal reading code.
The authentication skip determination method for the terminal 20 may or may not be performed based on the description of the above-described embodiment and modification.

<Effect of Third Modification Example (1)>
In this modification, the information included in the code for reading the special terminal includes the information used by the terminal 20 to skip the authentication of the user of the terminal 20.
As an example of the effect obtained by such a configuration, the server can generate the code information including the information used by the terminal to skip the authentication of the user of the terminal. In addition, it is possible to enable the terminal to obtain information used by the terminal to skip the authentication of the user of the terminal via the generated code information, and whether to skip the authentication of the user based on this information. Can be easily determined by the terminal.

In addition, in this modification, the information included in the above-mentioned special terminal reading code includes a configuration in which the user of the terminal 20 includes information regarding a product purchased by the IMS money.
As an example of the effect obtained by such a configuration, the server can generate the code information including the information about the product that the user of the terminal purchases with electronic money. In addition, it is possible to enable the terminal to obtain information about the product that the user of the terminal purchases with electronic money through the generated code information. For example, whether to skip the user authentication based on the product that the user purchases. Whether or not it can be easily determined by the terminal.

Further, in this modification, the above-mentioned information on the product purchased by the user of the terminal 20 with the IMS money includes the information about the amount of the product purchased by the user of the terminal 20 with the IMS money.
As an example of the effect obtained by such a configuration, the server can generate the code information including the information about the price of the product. Further, it is possible to obtain information about the price of the product at the terminal via the generated code information. For example, based on the price of the product purchased by the user, the terminal determines whether to skip the authentication of the user. It can be easily determined.

In addition, in this modification, the information included in the above-described special terminal reading code includes a configuration including information about an area (area) in which the user of the terminal 20 makes a payment.
As an example of the effect obtained by such a configuration, the server can generate code information including information about a place. In addition, it is possible to obtain information about the location on the terminal via the generated code information. For example, based on the area where the user pays or the location of the store, whether or not to skip the authentication of the user is determined by the terminal. Therefore, it can be easily determined.

In addition, in the present modification, the information included in the special terminal reading code includes a configuration in which the user of the terminal 20 includes information about the store where the user purchases the product.
As an example of the effect obtained by such a configuration, the server can generate the code information including the information on the store where the product is purchased. In addition, it is possible to obtain information on a store that purchases a product through the generated code information on a terminal, and for example, whether to skip user authentication based on the store where the user purchases the product. It can be easily determined by the terminal.

<Third Modification (2)>
In the third embodiment, the server 10 generates the special terminal reading code including the authentication skip information, but the present invention is not limited to this. Specifically, by way of example and not limitation, the terminal 20 is a terminal display code used in the payment type “terminal display code” and includes terminal skip code (hereinafter, “special terminal display code”). It is also possible to generate a code for ".

FIG. 5-3 and FIG. 5-4 are flowcharts showing an example of the processing flow of each device in this case. It should be noted that the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

When the payment application processing unit 213 determines that the payment type is “display terminal code” in A3 (A3; display terminal code), the payment application processing unit 213 performs first authentication skip determination processing (H3). Then, the payment application processing unit 213 performs the processing of A11 to A17.

When it is determined that the authentication result is “OK” in A15 (A15; Yes), or when it is determined that the authentication process is skipped in A11 (A11; Yes), the payment application processing unit 213 uses the special terminal display code. Generation processing is performed (P15). Specifically, as a non-limiting example, a special terminal display code including the authentication skip status information, which is information as to whether the terminal 20 skips the authentication process, is generated. Then, the payment application processing unit 213 displays the generated special terminal display code on the display unit 24 (P19).

The store payment processing unit 513 causes the code reader 58 to read the special terminal display code displayed on the display unit 24 of the terminal 20 (Q9). Then, after performing the code information acquisition process for acquiring the information included in the read special terminal display code (Q11), the store payment processing unit 513 transmits the second payment request information including the acquired information to the communication I/I. It is transmitted to the server 10 by F54 (Q13).

When the payment management processing unit 113 receives the second payment request information from the store code reader device 50 via the communication I/F 14 (R9), the authentication skip determination processing unit 1139 performs the seventh authentication skip determination process (R11). ). Note that, in order to distinguish it from the authentication skip determination process in the other embodiment, it is referred to as “seventh authentication skip determination process” for convenience.

In the seventh authentication skip determination process, the authentication skip determination processing unit 1139 skips the authentication process in the terminal 20 based on the authentication skip status information included in the second payment request information received from the store code reader device 50. It is determined whether it has been done.

If the authentication process is not skipped by the terminal 20, the authentication skip determination processing unit 1139 determines that additional authentication is not required. This is because the terminal 20 has already been authenticated.
On the other hand, when the authentication process is skipped by the terminal 20, the authentication skip determination processing unit 1139 determines whether or not the authentication skip condition is satisfied based on the authentication skip condition included in the authentication skip condition data 156 of the storage unit 15. Then, if the authentication skip condition is satisfied, it is determined that additional authentication is not necessary, and if the authentication skip condition is not satisfied, it is determined that additional authentication is required. This is because the terminal 20 skips the authentication process, but it may be better to let the terminal 20 perform additional authentication depending on the result of the authentication skip determination by the server 10.

As a specific example, for example, due to the difference between the setting related to the authentication skip on the terminal 20 side and the setting related to the authentication skip on the server 10 side, it is determined that the terminal 20 skips the authentication process because the planned payment amount is not high. However, the server 10 determines that there is a problem (with risk) in skipping the authentication process of the terminal 20 because the planned payment amount is high, and cancels the authentication skip of the terminal 20 to perform additional authentication. There are cases.

Unlike the above, when the authentication process is skipped at the terminal 20, the server 10 may rely on the determination of the terminal 20 and determine that additional authentication is not required. In this case, it is not necessary to perform the authentication skip determination on the server 10 side.

When it is determined in the seventh authentication skip determination process that additional authentication is required (G3; No), the payment management processing unit 113 transmits the additional authentication request information to the terminal 20 through the communication I/F 14 (G5). Then, the payment management processing unit 113 receives the authentication success information from the terminal 20 via the communication I/F 14 (G7), and then performs the payment process (C11). Then, the payment management processing unit 113 shifts the processing to C13.

In the above process, the terminal 20 generates the special terminal display code including the authentication skip status information, but the present invention is not limited to this.
For example, the terminal 20 includes information used by the server 10 to determine whether or not to skip the authentication of the user of the terminal 20, that is, information necessary for the server 10 to perform the authentication skip determination, It is also possible to generate a terminal display code.

Specifically, as an example and not by way of limitation, the terminal 20 relates to information on the price of the product planned to be purchased by the user of the terminal 20 and the product planned to be purchased by the user of the terminal 20 in the special terminal display code generation process. Information, information about an area (area) where the user of the terminal 20 makes payment, information about a store where the user of the terminal 20 purchases a product, information about setting of the terminal 20 or a payment application, lock status of the OS side of the terminal 20 (lock For displaying the special terminal, including various information such as information regarding presence/absence) and lock setting (ON/OFF), information regarding the lock status (presence/absence of lock) and lock setting (ON/OFF) of the payment application side of the terminal 20. It is also possible to generate code.

For example, the terminal 20 generates the special terminal display code by including the amount of goods planned to be purchased by the user of the terminal 20 and the total amount thereof as the planned payment amount based on the user operation.

Further, for example, the terminal 20 includes a special terminal display including product identification information for identifying a product purchased by the user of the terminal 20 and product type identification information for identifying the product type based on a user operation. Code for use.

In addition, for example, the terminal 20 generates a special terminal display code including area information related to the area where the terminal 20 of its own is based on the latest calculated position stored in the calculated position history data 288. Alternatively, the special terminal display code is generated based on the user operation, including the store identification information (store ID) of the store where the user of the terminal 20 purchases the product.

In addition, for example, the terminal 20 displays the special terminal including the information of the authentication setting (ON/OFF) of the terminal 20 of itself and the information of the authentication setting (ON/OFF) of the payment application of the terminal 20 of itself. Code for use.

In addition, for example, the terminal 20 has a lock status (whether locked or not) on the OS side of its own terminal 20, a lock status (whether locked or not) on the payment application side, or, for example, a lock setting on the OS side of its own terminal 20. The special terminal display code is generated including (ON/OFF) and the lock setting (ON/OFF) on the payment application side.

The special terminal display code generated by the terminal 20 in this manner is displayed on the display unit 24 of the terminal 20 and read by the store code reader device 50 as described above. Then, the second settlement request information including various information acquired by decoding the data from the read special terminal display code is transmitted from the shop code reader device 50 to the server 10. Then, the server 10 can perform the authentication skip determination based on the above-mentioned various kinds of information included in the second payment request information received from the shop code reader device 50.
The authentication skip determination method of the server 10 may or may not be executed based on the above-described embodiment and modification.

<Effect of Third Modification Example (2)>
In this modified example, the terminal 20 (an example of an information processing device, not a limitation) uses a code for displaying a special terminal (not a limitation, code information) for settlement of IMS money (an example of electronic money, not limitation) by the terminal 20. Is generated). The terminal 20 includes information about the amount of the product that the user of the terminal 20 plans to purchase, information about products that the user of the terminal 20 plans to purchase, information about an area (area) in which the user of the terminal 20 makes payment, and the terminal 20 of the terminal 20. The user acquires information (an example of information, not limitation) such as information about a store where the user purchases a product, information about whether the terminal 20 is locked, and information about whether the payment application of the terminal 20 is locked. Then, the terminal 20 generates a special terminal display code based on the acquired information, including information related to the authentication processing executed by the terminal 20 (an example of information related to authentication of the user of the terminal without limitation). The structure is shown.
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing apparatus, can easily generate code information based on the acquired information, including information related to authentication of the user of the terminal. .. In addition, it is possible to provide other devices with information related to the authentication of the user of the terminal via the generated code information.

Further, the present modified example shows a configuration in which the terminal 20 generates a special terminal display code including the information regarding the authentication processing executed by the terminal 20.
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing apparatus, can easily generate code information including information related to authentication of a user of the terminal.

Further, the present modification shows a configuration in which the information included in the above-mentioned special terminal display code includes authentication skip status information (an example of information indicating that the user of the terminal has been authenticated by the terminal, without limitation). ing.
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing apparatus, can generate code information including information indicating that the user of the terminal has been authenticated by the terminal.

Further, the present modification shows a configuration in which the information acquired by the terminal 20 includes information different from the authentication password (an example of authentication information for authenticating a user of the terminal without limitation).
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing apparatus, can generate code information including information different from authentication information for authenticating a user of the terminal.

Further, the present modification shows a configuration in which the information different from the authentication password includes information about IMS money (an example of information about electronic money, not limitation).
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing device, can generate code information including information about electronic money.

Further, the present modification shows a configuration in which the information different from the authentication password includes information on an area (area) in which the user of the terminal 20 makes a payment (an example of information on a place, not limitation).
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing device, can generate code information including information about a place. For example, by including the information of the place where the user of the terminal makes the payment as the information about the place, the information of the place of the payment of the user of the terminal can be provided to other devices via the generated code information.

In addition, the present modification shows a configuration in which the information different from the above authentication password includes information about an item to be purchased by the user of the terminal 20 (an example of information about an item without limitation).
As an example of the effect obtained by such a configuration, a terminal, which is a kind of information processing device, can generate code information including information about a product.

In this modification, the information different from the authentication password is information on the authentication setting (ON/OFF) on the terminal 20 side and the authentication setting (ON/OFF) on the payment application side (not limited to the terminal or It shows a configuration including an example of information about the setting of the application stored in the terminal).
As an example of the effect obtained by such a configuration, a terminal, which is a kind of information processing apparatus, can generate code information including information on the setting of the terminal or an application stored in the terminal.

In this modification, the information different from the authentication password is information on the lock status and lock setting of the terminal 20, lock status of the payment application on the terminal 20, and lock setting information (not limited to the terminal, It shows a configuration including an example of information regarding the security of the application stored in the terminal).
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing apparatus, can generate code information including information regarding the security of the terminal or an application stored in the terminal.

Further, the present modification shows a configuration in which the information included in the above-mentioned special terminal display code is acquired by the server 10 (an example of a server that manages payment of electronic money, without limitation).
As an example of the effect obtained by such a configuration, a terminal, which is a type of information processing apparatus, can provide information regarding authentication of a user of the terminal to a server that manages electronic money settlement.

In addition, in the present modification, the server 10 executes additional authentication request information (not limited to the authentication of the user of the terminal by the terminal when the authentication skip condition is satisfied based on the information included in the special terminal display code). The communication I/F 14 of the server 10 does not transmit to the terminal 20, but the settlement result information (not limited to, an example of information indicating that settlement by electronic money has been performed) is transmitted through the communication I. It shows a configuration for transmitting to the terminal 20 by /F14.
As an example of the effect obtained by such a configuration, the server that manages the settlement of electronic money, based on the information about the authentication of the user of the terminal, the information about performing the authentication of the user of the terminal by the terminal, Since the communication unit transmits the payment information indicating that the payment is made in electronic money to the terminal without transmitting it to the terminal, the processing load of the server can be reduced.

<Third Modification (3)>
The special terminal reading code described in the third embodiment can be generated for each store, and similarly to <First Modification (10)>, a product unit or a product sold at the store It is also possible to carry out by type.

As an example and not limitation, as in the example shown in FIG. 3-36, for example, when it is desired to skip the authentication for the product types “bento” and “beverage” on the store side, the store code reader device 50 sends the information to the server. The special terminal reading code generation request information including the store ID, the product type (here, “bento”, “beverage”) identification information, the sales amount information thereof, and the authentication skip request information is transmitted to 10. Then, the server 10 receives the special terminal reading code generation request information from the shop code reader device 50, and based on the reception of the special terminal reading code generation request information, outputs the special terminal reading code including the authentication skip information for the product types “bento” and “beverage”. To generate.

On the other hand, similar to the example shown in FIG. 3-36, for example, when the store side desires not to skip the authentication for the product type “gift product”, it is not the special terminal reading code including the authentication skip information, The terminal read code generation request information that requests generation of a normal terminal read code that does not include authentication skip information is transmitted. Then, the server 10 generates the terminal reading code that does not include the authentication skip information for the product type “gift product” based on the reception of the terminal reading code generation request information from the shop code reader device 50.

Further, similarly to <First Modification (10)>, it is possible to classify, in one product type, products for which authentication is skipped and products for which authentication is not skipped. As described above, the product type “bento” is an example in which the lunch of the selling price “200 yen”, the lunch of the selling price “300 yen”, and the lunch of the selling price “500 yen” are classified. Then, the server 10 generates a special terminal reading code that includes authentication skip information for products for which authentication is skipped, and generates a normal terminal reading code that does not include authentication skip information for products for which authentication is not skipped. To do so.

<Effect of Third Modification Example (3)>
As an example of the effect obtained by this modification, the information processing device can generate code information including information related to authentication of a user of a terminal for each product or product type sold in a store. In addition, depending on the product or product type sold at the store, the code information may or may not include the information related to the authentication of the user of the terminal. Therefore, the generation of the code information according to the store's intention is realized. be able to.

<Fourth Embodiment>
The fourth embodiment is, for example and not by way of limitation, an embodiment in which the user of the terminal 20 uses the payment application to transfer the IMS money to the terminal 20 of the user who is registered as a friend in the IMS application. At this time, the remittance authentication required by the user is skipped when a specific condition is satisfied.

Unless otherwise specified, the “authentication” in the present embodiment means that the user of the terminal 20 authenticates that the user of the terminal 20 is a legitimate user, and the “authentication process” means the remittance. It means the process to realize the authentication of.
Unless otherwise specified, the “authentication skip condition” means a condition for skipping the authentication process for remittance, and “skipping the authentication process” means ignoring the processing command of the authentication process. , Means processing the next command, that is, omitting the authentication process.
The contents described in the fourth embodiment can be applied to any of the other embodiments.

<Functional configuration>
(1) Functional Configuration of Server FIG. 6-1 is a diagram showing an example of functions implemented by the control unit 11 of the server 10 in the present embodiment.
The payment management processing unit 113 includes a remittance management processing unit 115 as a functional unit in addition to the server main processing unit 111 and the IMS processing unit 112.

The remittance management processing unit 115, according to the remittance management processing program 1517 stored in the storage unit 15, remits IMS money to the terminal 20 of another user who is registered as a friend in the IMS application, and the terminal of the other user. It has a function of executing a remittance management process which is a process for managing the deposit from 20.

The remittance management processing unit 115 includes, by way of example and not limitation, a remittance processing unit 1151, a remittance source remittance result information transmission processing unit 1153, and a depositing side deposit result information transmission processing unit 1155 as functional units.

The remittance processing unit 1151 is a process for transmitting the IMS money owned by the user of the first terminal 20 to the second terminal 20 based on the remittance request information transmitted from the first terminal 20. Has the function of executing.

The remittance source remittance result information transmission processing unit 1153 has a function of transmitting remittance result information that is information relating to the remittance result to the first terminal 20 that is the sender of the IMS money.

The deposit result information transmission processing unit 1155 for deposit side has a function of transmitting deposit result information that is information regarding the deposit result to the second terminal 20 that is the deposit side of the IMS money. There is.

FIG. 6-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 according to this embodiment.
The server main processing program 151 includes, in addition to the IMS processing program 1512, a remittance management processing program 1517 executed as remittance management processing as a subroutine program.

In addition to the user registration data 153 and the store registration data 155, the storage unit 15 also stores an IMS user management database 161, an IMS group management database 163, and a money transfer deposit management database 165.

In the present embodiment, the user information stored and registered in the user registration data 153 will be described as user information shared by the IMS application and the payment application.

The IMS user management database 161 is a database for managing data related to the use of the IMS of the user registered in the user registration data 153, and an example of the data structure is shown in FIG. 6-3.
The IMS user management database 161 stores individual IMS user management data for each of a plurality of users.

The user content history data is stored in the IMS user management data of each user in association with, for example and without limitation, a user name and a user ID.

The user content history data is data relating to the history of the content transmitted and received between the terminal 20 of this user and the terminal 20 of another user, and as an example and without limitation, with the content transmitted and received in the talk room of this user. Data that associates the date and time when the content is transmitted and received with the content number that is the identification information for identifying the content is stored as a history.

The IMS group management database 163 is a database for managing data relating to the use of IMS of a group composed of a plurality of users registered in the user registration data 153, and an example of the data structure is shown in FIG. 6-4. Show.
The IMS group management database 163 stores individual IMS group management data for each of the plurality of groups.

The IMS group management data of each group includes, by way of example and not limitation, a group name that is the name of this group, a group ID, a group creation date and time, the number of groups, group user data, and group content history data. Remembered.

The group ID is an ID that functions as identification information for identifying this group, and an ID for uniquely identifying each group is stored and registered.

The group creation date and time is the date and time when this group was created. As a non-limiting example, a group can be arbitrarily created by a user who uses IMS, and a user who has created the group or a user who has already joined the group can invite another user to the group to create another group. Users can join groups.

The total number of users included in this group is stored in the group number. Each time a new user joins the group, the number of groups is added and updated, and each time a user who has already joined the group leaves the group, the number of groups is subtracted and updated.

For example, without limitation, the group user data includes user names of users included in this group (hereinafter referred to as “group users”), user IDs of this group user, and this group user joining this group. The date and time when the group joins, which is the date and time when the registration was performed, are stored in association with each other.

The group content history data is data relating to the history of the content transmitted/received between the terminals 20 of the group users included in this group, and as a non-limiting example, the content transmitted/received with the content transmitted/received in the talk room of this group. Data that associates the date and time of the creation with the content number for identifying the content is stored as a history.

The remittance/receipt management database 165 is a database for managing data relating to remittance/receipt, and an example of the data structure is shown in FIG. 6-5.
The remittance payment management database 165 stores individual remittance payment management data for each of a plurality of users.

The remittance/receipt management data of each user stores a user ID, a balance, IMS points, a daily upper limit set amount, auto charge setting, remittance history data, and deposit history data.

The remittance history data is history data relating to remittance from the user of this user ID, and as a non-limiting example, the remittance date and time that is the date and time of remittance, the remittance destination user ID that is the user ID of the remittance destination user, and the remittance The remittance amount, which is the amount of money, is stored in association with the remittance amount.

The payment history data is history data relating to payment to the user of this user ID, and as an example and without limitation, the payment date and time that is the date and time of the payment, and the sender user who is the user ID of the user of the sender. The ID and the deposit amount, which is the deposit amount, are stored in association with each other.

In the present embodiment, the server 10 performs the remittance processing based on the remittance function (remittance) of the payment application. Specifically, as an example and not by way of limitation, the server 10 receives another remittance request information transmitted from the one user's terminal 20 and is registered as a friend with the one user in the IMS application. A process of sending the IMS money to the user's terminal 20 is performed.

In addition, the server 10 performs a remittance request process based on the remittance request function of the settlement application (requesting remittance). Specifically, as an example and not by way of limitation, the server 10 is registered as a friend in the IMS application with one user based on receiving the remittance request request information transmitted from the terminal 20 of the one user. The process of requesting the remittance to the terminal 20 of one user is performed to the terminal 20 of the user.

Further, the remittance request process includes a split bill request process based on the split bill function of the payment application. The split bill request process is based on the receipt of split bill request information from the terminal 20 of one user, to the terminal 20 of one user and a plurality of other users who are registered as friends in the IMS application, or the IMS. This is a process of requesting, to the terminals 20 of a plurality of other users included in the same group as one user in the application, an amount obtained by evenly dividing the amount designated by the one user by the total number of users. The split bill function is used by one user who is the secretary to manage other users who are friends registered in the IMS application or who are grouped in the IMS application, for example, when having a dinner party or a drinking party. It is used when charging the total amount of money evenly divided by the total number of participants to a plurality of users.

(2) Functional Configuration of Terminal FIG. 6-6 is a diagram showing an example of functions implemented by the control unit 21 of the terminal 20 in the present embodiment.
The payment application processing unit 213 includes a remittance request processing unit 2138 as a functional unit in addition to the authentication skip determination processing unit 2135 and the authentication processing unit 2137.

The remittance request processing unit 2138 has a function of executing a process of requesting the server 10 to remit a user to another terminal 20 that is registered as a friend in the IMS application or to another terminal 20.

6-7 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 according to the present embodiment.
The IMS application 282 includes, by way of example and not limitation, an IMS application processing program 2821 executed as an IMS application process, and IMS application data 2823.

IMS application data 2823 includes, by way of example and not limitation, friend data 2825, group data 2826, user content history data 2827, and group content history data 2828.

The friend data 2825 is data relating to a user who is registered as a friend by the user of the terminal 20 of his/her own. For example, without limitation, information such as the user name, user ID, icon image, profile, etc. of the user who is registered as a friend is stored. Remembered.

The group data 2826 is data regarding a group to which the user of the own terminal 20 subscribes, and as a non-limiting example, the group name, the group ID, and the same group of the group to which the user of the own terminal 20 subscribes. Information such as user names, user IDs, icon images, and profiles of other included group users is stored.

The user content history data 2827 is data relating to the history of content transmitted and received between the terminal 20 of the user and the terminal 20 of another user who is registered as a friend, and as an example, without limitation, the talk room of the user. Data that associates the content transmitted and received in step 1, the date and time when the content was transmitted and received, and the content number that is identification information for identifying the content is stored as a history.

The group content history data 2828 is data relating to the history of content transmitted and received between the terminals 20 of the group users included in the group to which the user of the own terminal 20 subscribes, and as an example, without limitation, talk of this group. Data that associates the content transmitted and received in the room, the date and time when the content was transmitted and received, and the content number for identifying the content is stored as a history.

The payment application program 284 includes an authentication skip determination processing program 2845 and an authentication processing program 2847 as subroutine programs, as in the above-described embodiment.

The payment application data 285 includes, by way of example and not limitation, store data 2855, authentication skip condition data 2856, remittance payment data 2857, and location area registration data 2858.

In the position area registration data 2858, the control unit 21 stores information regarding various positions and areas based on the history of the calculated position of the terminal 20 of its own stored in the calculated position history data 288.

In the position area registration data 2858, for example, the position information of the home position of the user of his/her terminal 20 is registered. By way of example and not limitation, the control unit 21 displays position information corresponding to the calculated position statistically most stored in the calculated position history data 288 during the time period from 22:00 on weekdays to 6:00 on the next day. , Is registered as the home position information of the user of his/her terminal 20.

Further, in the location area registration data 2858, for example, location information of the company (workplace) where the user of the terminal 20 of his/her own works is registered. By way of example and not limitation, the control unit 21 calculates the position information corresponding to the calculated position statistically most stored in the calculated position history data 288 during the time period from 9:00 to 17:00 on weekdays. It is registered as position information of the company (work) of the user of the terminal 20.

In the position area registration data 2858, for example, the position information of the remittance safe area, which is an area preset by the server 10 and which is safe for remittance, is registered. By way of example and not limitation, the server 10 can preset the positional information of a rural or rural area distant from the city center as the positional information of the safe remittance area.

Further, the location information of a place frequently visited by the user of the own terminal 20, for example, a place visited by the user of the own terminal 20 more than the set number of times can be registered as the remittance safety area. In this case, in addition to the above-mentioned home or company (workplace), the control unit 21 may calculate the calculated position history data 288 with the calculated position history data 288 at a frequency higher than the set frequency or the set number of times. The calculated position generated by the number of times described above can be registered as a place frequently visited by the user of his/her terminal 20 by including such position information in the remittance safety area.

Further, in the location area registration data 2858, the user of his/her terminal 20 may register the location and area by himself/herself. For example, the user of the terminal 20 of his/her own may register the location information of the home of the related person (for example, a relative, a close friend, or a person related to the company) of himself/herself.

6-8 is a diagram showing an example of a data configuration of the authentication skip condition data 2856 in the present embodiment.
In the authentication skip condition data 2856, for example and without limitation, a condition category No, a condition No, an authentication skip condition, and an importance (priority) are stored in association with each other.

<Condition category No. “SP11”>
The condition category No. “SP11” is a category of “time”, and the authentication skip conditions of the condition Nos. “SP11-1” and “SP11-2” are included as an example without limitation.

As the authentication skip condition of condition No. "SP11-1", "the current date and time is within the set time from the last remittance date and time" is defined. This means that the fact that the current date and time is within the set time from the date and time of the last remittance means that the remittance will be performed again within a short period of time, and therefore authentication will be omitted for the convenience of the user. To do.

In this determination of the authentication skip condition, for example and without limitation, the terminal 20 stores the current date and time based on the time measured by the clock unit 29A and the final money transfer history data of the money transfer deposit data 2857. It is possible to acquire the date and time of remittance and determine whether or not the current date and time is within the set time from the date and time of the last remittance.

As the authentication skip condition of condition No. "SP1-2", "the current time is included in the set time zone" is defined. For example, the set time zone is not limited and can be set in advance by the user of the terminal 20. Specifically, for example, the user of the terminal 20 sets a time period in which he/she frequently remits money, or a time period in which remittance is easily performed (for example, meal time period) as the set time period, Authentication can be omitted when remittance is performed during the set time period.

In the determination of the authentication skip condition, as an example and not by way of limitation, the terminal 20 acquires the current time based on the clocked time measured by the clock unit 29A, and determines whether the current time is included in the set time zone. It can be determined.

<Condition category No. “SP12”>
The condition category No. “SP12” is a category of “terminal/place”, and the authentication skip condition of the condition Nos. “SP12-1” to “SP12-4” is included as an example without limitation.

As the authentication skip condition of condition No. “SP12-1”, “the position of the own terminal and the position of the home are not separated” is defined. This is because it is estimated that the remittance is safe (there is no problem in remittance) if the position of the own terminal 20 is not far from the position of the home of the user of the own terminal 20. This means that authentication is omitted to improve the convenience of.

In the determination of the authentication skip condition, the terminal 20 acquires, as an example and without limitation, the latest calculated position stored in the calculated position history data 288 and the home position registered in the position area registration data 2858. Then, it is possible to determine whether or not the distance between the calculated position of the terminal 20 of its own and the position of the home is less than or equal to the set distance (or less than the set distance).

As the authentication skip condition of condition No. "SP12-2", "the position of the own terminal is included in the remittance safety area" is defined. This is because if the position of the user's own terminal 20 is included in the remittance safety area, the remittance is estimated to be safe (there is no problem in performing the remittance), and therefore authentication is performed for the convenience of the user. Means to omit.

In the determination of the authentication skip condition, the terminal 20 acquires the latest calculated position stored in the calculated position history data 288 and the remittance safety area registered in the position area registration data 2858 as an example and not a limitation. Then, it is possible to determine whether or not the calculated position of the own terminal 20 is included in the remittance safety area.

As the authentication skip condition of condition No. “SP12-3”, “the position of the own terminal and the position of the payment application compatible store are not separated” is defined. This is because it is estimated that it is necessary to remit when the position of the terminal 20 of the user is not far from the position of the store (member store) that can handle payment using the payment application. This means that authentication is omitted for the convenience of the user. For example, there is a case where the users of the terminals 20 perform eating and drinking at a store compatible with a payment application, and then make a payment using the payment application with their friends. In this case, if the payment application has a function of splitting bills, there is a high possibility that fellows will split bills. For this reason, when the position of the terminal 20 of its own and the position of the store corresponding to the payment application are not distant from each other, the authentication can be skipped for the purpose of promoting the split bill.

In this determination of the authentication skip condition, the terminal 20 acquires the latest calculated position stored in the calculated position history data 288 and the position of the member store stored in the store data 2855 as a non-limiting example. Thus, it can be determined whether or not the distance between the calculated position of the terminal 20 of itself and the position of the member store is equal to or less than the set distance (or less than the set distance).

As the authentication skip condition of the condition No. “SP12-4”, “the position of the own terminal and the position of the terminal which transmitted the splitting bill request are not separated” are defined. This means that if the position of the terminal 20 of the user is not far from the position of the terminal that transmitted the split request, the user of the terminal 20 of the own who receives the split request from the user of the other terminal 20 immediately remits the money. This is presumed to be the case, which means that authentication is omitted for the convenience of the user.

In this determination of the authentication skip condition, the terminal 20 acquires the latest calculated position stored in the calculated position history data 288, as an example and not by way of limitation, and the position of the terminal 20 that has transmitted the split bill request is sent to the server 10. The position of the terminal 20 that has made the request and transmitted the split bill request is received from the server 10 and acquired. Then, it is possible to determine whether or not the distance between the calculated position of the own terminal 20 and the position of the terminal 20 that has transmitted the splitting request is less than or equal to the set distance (or less than the set distance).

<Condition category No. “SP13”>
The condition category No. “SP13” is a category of “amount of money”, and the authentication skip condition of the condition Nos. “SP13-1” to “SP13-4” is included therein as a non-limiting example.

As the authentication skip condition of condition No. “SP13-1”, “one day upper limit set amount of money is not exceeded” is defined.
The “one day upper limit set amount” is a set upper limit amount which is a threshold for the total amount of remittance amounts (remittance amount) already remitted in one day. That is, if the total amount of remittances already remitted in the day does not exceed the daily upper limit set amount, it means that authentication is omitted for the convenience of the user.

On the contrary, if the total amount of remittances already remitted in one day exceeds the one-day upper limit set amount, by performing authentication, it is possible to confirm that the remittance is excessively performed. Can be notified to the user, and overuse can be prevented. In addition, when a minor or a child sends money, a parent or guardian can restrict the use.

In this determination of the authentication skip condition, the terminal 20 indicates, by way of example and not limitation, the daily maximum set amount stored in the remittance data 2857 and the daily remittance amount specified from the remittance history data. It is possible to acquire the total amount and determine whether or not the total amount exceeds the daily upper limit setting amount.

As the authentication skip condition of condition No. “SP13-2”, “balance is less than or equal to set amount (or less than set amount) & auto charge setting OFF” is defined. For example, the set amount of money can be set in advance by the user of the terminal 20 without limitation. This is because if the balance is less than or equal to the set amount and the auto charge setting is “OFF”, the user cannot send a large amount of money and the risk is low, which is convenient for the user. Authentication is omitted to improve security.

However, if the auto charge setting is “ON”, the IMS money is automatically replenished, so that the user can remit a large amount of money, which causes a risk. Therefore, in addition to the balance being less than or equal to the set amount (or less than the set amount), the auto-skip setting is “OFF” as a condition for the authentication skip.

In this case, if the auto charge setting is "ON", the authentication process is not skipped in principle even if the balance is less than (or less than) the set amount. However, considering the convenience of the user as described above, the authentication process can be skipped even when the auto charge setting is “ON”. In this case, by way of example and not limitation, the auto-charge setting OFF may be excluded from the authentication skip condition of the condition No. “SP13-2”, and the balance may be “equal to or less than (or less than) the set amount”. In other words, even if the auto charge setting is "ON", the authentication process does not necessarily have to be required. If the auto charge is "ON", the balance is less than (or less than) the set amount. For example, the authentication process may be performed or the authentication process may not be performed.

In the determination of the authentication skip condition, the terminal 20 acquires the balance and the auto-charge setting stored in the remittance data 2857 by way of example and not limitation, and the balance is equal to or less than the set amount (or less than the set amount). And it is possible to determine whether or not the auto charge setting is “OFF”.

As the authentication skip condition of the condition No. “SP13-3”, “within a proper range of remittance frequency or remittance amount per month” is defined. For example, the average value, the maximum value, and the mode value of the remittance frequency per month in the past predetermined period (past 6 months or the past year) are used as the threshold frequency, and the average remittance amount per month in the same past past period. The value, the maximum value, and the mode value are calculated as the threshold amount of money. Then, by performing remittance, if the remittance frequency exceeds the threshold frequency or the remittance amount exceeds the threshold amount, the authentication is performed, otherwise, the authentication is omitted.

In the determination of the authentication skip condition, the terminal 20 stores the remittance frequency and the remittance amount calculated from the remittance history data stored in the remittance deposit data 2857 and the storage unit 28 by way of example and not limitation. It is possible to acquire the threshold frequency and the threshold amount of money, and determine whether or not the remittance frequency exceeds the threshold frequency and whether or not the remittance amount exceeds the threshold amount.

The above authentication skip condition may or may not be a condition based on the number of times of remittance of IMS money (the number of remittances), instead of a condition based on the frequency of remittance of IMS money (remittance frequency). Good. In addition, it may be possible to predetermine that the remittance frequency is within the proper range, the number of remittances is within the proper range, and the remittance amount is within the proper range as individual conditions. May be.

As the authentication skip condition of condition No. "SP3-4", "the expected remittance amount is less than or equal to the set amount (or less than the set amount)" is defined. The set amount of money can be set as an amount of money that is not so high, such as 10,000 yen or 20,000 yen.
The “scheduled remittance amount” means the amount of money to be retransmitted (the amount of money in an unconfirmed state before remittance). That is, when the amount of money to be remitted is not so high, it means that authentication is omitted for the convenience of the user.

In the determination of the authentication skip condition, the terminal 20 acquires the amount input by the user of the terminal 20 as the planned remittance amount, for example and not by way of limitation, and the scheduled remittance amount is less than or equal to the set amount (or less than the set amount). It is possible to determine whether or not

<Condition category No. “SP14”>
The condition category No. “SP14” is a category of “remittance partner”, and the authentication skip conditions of the condition Nos. “SP14-1” to “SP14-3” are included in this as an example without limitation.

As the authentication skip condition of the condition No. “SP14-1”, “a friend or relative who is close to the remittance-scheduled partner” is defined. This is because authentication is omitted for the convenience of the user because there is a reasonable reason to perform the remittance when the other party to whom the remittance is scheduled is a close friend or relative of the user of the terminal 20. Means to do.

In this determination of the authentication skip condition, the terminal 20 is a user who is a friend registered based on the friend data 2825 of the IMS application 282 and the user content history data 2827 and the content of the content is not limited to the example. A user whose transmission/reception frequency exceeds the threshold frequency or whose content transmission/reception frequency exceeds the threshold frequency is determined as a close friend of the user of the terminal 20. Further, by referring to the group data 2826 of the IMS application 282, a group including characters such as “family”, “family”, “relatives”, “relatives” in the group name is specified, and the group user included in the group is specified. To be relatives. Then, when the remittance schedule partner is these users, it is determined that the authentication skip condition is satisfied.

As the authentication skip condition of the condition No. “SP14-2”, “a remittance-scheduled partner has a remittance history in the past” is defined. This means that if you have sent money to someone you plan to send money to in the past, it is presumed that the person you are lending or borrowing money from is the person you are going to send money to. To do.

In this determination of the authentication skip condition, the terminal 20 refers to the remittance history data stored in the remittance deposit data 2857, for example and not by way of limitation, and may have remitted at least once in the past to the remittance target. If it is determined that there is a remittance, it is determined that this authentication skip condition is satisfied.

As the authentication skip condition of condition No. “SP14-3”, “there is a payment history in the past from the remittance planned partner” is defined. This is because it is estimated that there is a person who borrows or lends money when the person who is planning to transfer money has received money in the past, so that authentication is omitted for the convenience of the user. means.

<Condition category No. “SP15”>
The condition category No. “SP15” is a category of “security”, and the authentication skip condition of the condition No. “SP15-1” is included in this, for example and without limitation.

As the authentication skip condition of condition No. "SP15-1", "terminal locked or payment application locked" is defined. This is because when the terminal 20 itself is locked or the payment application is locked, in order to cancel these locked states, a terminal unlock password, a payment application unlock password, etc. must be entered. Since authentication is required, it means that re-authentication is not required for the convenience of the user.

In the determination of the authentication skip condition, the terminal 20 is, for example, without limitation, information on whether the terminal 20 is locked or not stored in the terminal data 286 and the payment application data stored in the payment application data 285. It is possible to acquire the information on the presence or absence of the lock and determine whether the terminal is locked or the payment application is locked.

<Condition category No. “SP16”>
The condition category No. “SP16” is a category of “authentication setting”, and the authentication skip condition of the condition No. “SP16-1” is included therein as a non-limiting example.

As the authentication skip condition of condition No. “SP16-1”, “terminal side authentication setting OFF or payment application side authentication setting OFF” is defined.
Authentication on the terminal side means authentication required for the user on the terminal 20 side, such as authentication for unlocking the terminal or user authentication.
On the other hand, the authentication on the payment application side means the authentication required by the user when performing money transfer using the payment application.

This is when the terminal 20 side is set not to execute the authentication required for the user on the terminal 20 side, such as the terminal unlocking authentication or the user identity authentication (setting OFF), or the payment application side. If the setting that does not execute the authentication required by the user when performing the remittance using the payment application is made (setting OFF), it means that the authentication is omitted.

In the determination of the authentication skip condition, the terminal 20 stores the terminal-side authentication setting stored in the terminal data 286 and the authentication skip condition user setting data of the remittance/remittance data 2857 by way of example and not limitation. The condition-specific setting flag of the condition number “SP16-1” is acquired, and it is determined whether or not at least one of the terminal-side authentication setting and the payment application-side authentication setting is “OFF”. Can be

<Condition category No. “SP17”>
The condition category No. “SP17” is a category of “situation determination”, and includes, for example and without limitation, the authentication skip condition of the condition No. “SP17-1”.

As the authentication skip condition of the condition No. “SP17-1”, “there are terminals that have received splitting requests at the same time, and the authentication is completed by the set number of terminals or more” is defined.
This is because when a plurality of terminals 20 including one's own terminal 20 receive split billing requests from other terminals 20 at the same time, the remittance is performed by the terminal 20 of a number equal to or more than the set number of terminals 20 other than the own terminal 20. Means that the authentication of the terminal 20 of itself is omitted.

In the determination of the authentication skip condition, the terminal 20 inquires, for example and without limitation, the information on the authentication status of the other terminal 20 that has received the same split bill request to the server 10, and the server 10 verifies the authentication status of the other terminal 20. It is possible to determine whether or not the authentication has been completed by the number of terminals 20 equal to or more than the set number, by acquiring the information of No.

Further, the importance (priority) is set in association with each of the above authentication skip conditions. Specifically, by way of example and not limitation, the authentication skip conditions of condition numbers “SP12-1” to “SP12-4” (condition category No “SP12”) and condition numbers “SP14-1” to “SP14-3”. The importance level “A” is set for each of the authentication skip condition of “(condition category No. “SP14”)” and the authentication skip condition of condition No. “SP16-1”.

In addition, as an example and not limitation, the condition No. “SP11-1”, the authentication skip conditions of the condition Nos. “SP13-1”, “SP13-2”, and “SP13-4” and the condition No. “SP15-1”. The degree of importance "B" is set for each of the authentication skip condition and the authentication skip condition of the condition number "SP17-1".

Also, as an example and not by way of limitation, the importance level “C” is set in the authentication skip conditions of condition numbers “SP11-2” and “SP13-3”.

In the present embodiment, the importance is set in association with the authentication skip condition, but the setting of the importance is not an essential requirement, and the importance may not be set. That is, in the above authentication skip condition data 2856, the column of importance may not be provided.
In this case, in the authentication skip determination process, by way of example and not limitation, the success or failure of the authentication skip condition is determined in an arbitrary order, and it is determined that the authentication process is skipped when any of the authentication skip conditions is satisfied. You can do it.

FIG. 6-9 is a diagram showing an example of the data structure of the remittance payment data 2857.
The remittance payment data 2857 includes, for example and without limitation, a user ID of a payment application, an authentication password that is a password for performing authentication, and a payment application lock that is a password for unlocking the payment application. A cancellation password, an IMS point, a balance, a daily maximum set amount, an auto charge setting, remittance history data, deposit history data, authentication skip condition setting, and authentication skip condition user setting data are stored. It
The data other than the remittance history data and the deposit history data are the same as those in the above-described embodiment, and therefore the repetitive description will be omitted.

The remittance history data is data relating to the remittance history of the user of this user ID, and as a non-limiting example, for the user of this user ID, the remittance date and time of the remittance and the user ID of the user of the remittance destination. The remittance destination user ID and the remittance amount, which is the amount of remittance, are stored in association with each other.

The deposit history data is data relating to the deposit history of the user of this user ID, and for example and without limitation, for the user of this user ID, the deposit date and time of the deposit date and the user of the sender. The remittance source user ID that is the user ID and the deposit amount that is the deposit amount are associated and stored in time series.

<Transfer method>
A remittance method using the payment application according to the present embodiment will be described with reference to a display screen example displayed on the display unit 24 of the terminal 20.

(1) Normal Remittance FIG. 6-10 to FIG. 6-15 are screen diagrams for explaining the flow of remittance without authentication skip when performing normal remittance.

6-10 is a diagram showing an example of a talk room screen in the IMS application displayed on the display unit 24 of the terminal 20.
In this talk room screen, by way of example and not limitation, the user "user AA" of his/her terminal 20 can talk with the user "user BB" of another terminal 20 who is registered as a friend. The talk room screen for performing is shown. At the bottom of the talk room screen, a "remittance icon" indicated as "remittance" is displayed as a function of the settlement application that works in conjunction with the IMS application.

FIG. 6-11 is a diagram showing an example of a screen displayed when the user of the terminal 20 touches the “remittance icon” on the talk room screen.
On this screen, in the center of the screen of the talk room screen, a "money transfer icon" that says "money transfer" and a "money transfer request icon" that says "get money" are displayed in a pop-up format. ..
The remittance icon is an icon used when “user A.A” sends money to “user BB”. On the other hand, the remittance request icon is an icon used when “user AA” requests “user BB” for remittance.

FIG. 6-12 is a diagram showing an example of a remittance screen displayed when the user of the terminal 20 touches the “remittance icon” on the above screen.
On this remittance screen, the user name and icon image of the “user BB” who is the remittance partner is displayed, and below that, the remittance estimated amount display for displaying the entered remittance estimated amount together with the balance. The column is displayed. Here, "3000 yen" is input and displayed as the planned remittance amount. Further, at the bottom of the screen, a "next icon" indicating "next" for advancing to the next screen is displayed.

FIG. 6-13 is a diagram showing an example of the remittance execution screen displayed when the user of the terminal 20 touches the “next icon” on the remittance screen.
On this remittance execution screen, the expected remittance amount (here, “3000 yen”) is displayed in association with the user name and icon image of “user BB” who is the remittance partner, and the entered remittance is displayed below it. A message display field for displaying a message to the intended party is displayed. Further, below that, a candidate of an attached image to be sent to the remittance prospect is displayed together with the message. Then, at the bottom of the screen, a "remittance execution icon" for executing remittance is displayed.

FIG. 6-14 is a diagram showing an example of an authentication screen displayed when the user of the terminal 20 touches the “money transfer execution icon” on the money transfer execution screen.
If the authentication skip determination process does not determine to skip the authentication process, this authentication screen is displayed.
In this authentication screen, the message "Please enter the password you are currently using." is displayed along with the words "Password" (authentication password), and the entered password is displayed below it. Password display The fields and the keyboard for entering the password are displayed.

FIG. 6-15 is a diagram showing an example of the remittance completion screen displayed when the authentication result is “OK” in the authentication process based on the password input on the authentication screen.
In this remittance completion screen, you can see the details from "Remittance history" along with the text "Remittance completed" in the center of the screen. ", and a "confirmation icon" for confirming the remittance history are displayed in a pop-up format.

FIGS. 6-16 and 6-17 are screen diagrams for explaining the flow of remittance in the case where authentication is skipped.
6-16 shows the same remittance execution screen as in FIG. 6-13, and FIG. 6-17 shows the same remittance completion screen as in FIG. 6-15.

When the “remittance execution icon” is touched by the user of the terminal 20 on the remittance execution screen of FIG. 6-16, or when the authentication skip determination process determines to skip the authentication process, the remittance completion screen of FIG. 6-17 is displayed. The display switches to. In other words, the display is switched from the remittance execution screen to the remittance completion screen without displaying the authentication screen of FIG. 6-14.

(2) Remittance upon receipt of split bill request FIG. 6-18 is a diagram showing an example of a group talk room screen in the IMS application displayed on the display unit 24 of the terminal 20.
This group talk room screen is a screen for transmitting/receiving contents between the terminals 20 of the group users included in the group, "IMS talk room" is displayed at the top of the screen, and the group name (here "Group X") and the number of group members included in this group (here, "4" indicating "4") are displayed.

This group talk room screen is, for example, a group talk room screen displayed on the terminal 20 of "user BB" included in group X, and the terminals of other group users included in the same group are displayed on the left side of the screen. Content such as a message transmitted from 20 to its own terminal 20 is displayed, and content such as a message transmitted from its own terminal 20 to the terminal 20 of another group user is displayed on the right side of the screen.

Here, the message “[IMS Pay] AA requested 3000 yen by split bill” transmitted from the terminal 20 of “user AA” included in the same group, and “user AA”. The content including the attached image transmitted from the terminal 20 of “” is displayed.

FIG. 6-19 is a diagram showing an example of a remittance screen displayed when content is touched by the user of the terminal 20 on the group talk room screen.
When the content transmitted from the terminal 20 of “user A.A” on the group talk room screen is touched by “user BB” of its own terminal 20, the settlement application is activated, and FIG. A screen for remittance is displayed.
On this remittance screen, the amount of money requested for remittance by the split bill request (here, "3000 yen") and the image transmitted from the terminal 20 of "user A.A" are displayed, and " A "remittance icon" indicating "Send money" is displayed.

FIG. 6-20 is a diagram showing an example of the remittance execution screen displayed when the user of the terminal 20 touches the “remittance icon” on the remittance screen.
In this remittance execution screen, a user name and an icon image of “user A.A” who is a remittance schedule partner, and an estimated remittance amount display field in which the entered estimated remittance amount (here, “3000 yen”) is displayed. , Balance and are displayed. In addition, a “remittance execution icon” for executing remittance is displayed at the bottom of the screen.

6-21 is a diagram showing an example of the remittance completion screen displayed when the user of the terminal 20 touches the “remittance execution icon” on the remittance execution screen.
If the authentication skip determination process does not determine to skip the authentication process, and if the “remittance execution icon” is touched on the above remittance execution screen, the display switches from the remittance execution screen of FIG. 6-20 to the authentication screen. ..
On the other hand, when the authentication skip determination process determines to skip the authentication process, the display is switched from the remittance execution screen of FIG. 6-20 to the remittance completion screen of FIG. 6-21 without displaying the authentication screen. ..

In this remittance completion screen, you can see the details from "Remittance history" along with the text "Remittance completed" in the center of the screen. ", and a "confirmation icon" for confirming the remittance history are displayed in a pop-up format.

<Process>
6-22 and 6-23 are flowcharts showing an example of the flow of processing executed by each device in the present embodiment.
In these figures, the fifth payment application process, which is an example of the payment application process executed by the payment application processing unit 213 of the terminal 20A of the "user A.A", and the remittance management processing unit 115 of the server 10 are shown in order from the left side. It shows the first remittance management process to be executed and the fifth payment application process which is an example of the payment application process executed by the payment application processing unit 213 of the terminal 20B of the "user BB".
It should be noted that the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

First, the payment application processing unit 213 of the terminal 20A receives a remittance operation for the input/output unit 23 (S1). Then, the payment application processing unit 213 of the terminal 20A determines the accepted operation type (S3).

If the operation type is “remittance operation” (S3; remittance), the payment application processing unit 213 of the terminal 20A performs remittance setting, which is a remittance-related setting, according to a user operation on the input/output unit 23 (S5). Then, the authentication skip determination processing unit 2135 of the terminal 20A performs the eighth authentication skip determination processing (S7). Note that, in order to distinguish it from the authentication skip determination process according to the modified example and other embodiments, it is referred to as “eighth authentication skip determination process” for convenience.

In the eighth authentication skip determination process, the authentication skip condition stored in the authentication skip condition data 2856 of the storage unit 28 is satisfied by the same method as the first authentication skip determination process described in the first embodiment. Or not.

Next, the authentication skip determination processing unit 2135 of the terminal 20A performs the processes of A11 to A17 based on the determination result of the eighth authentication skip determination process.

After that, the remittance request processing unit 2138 of the terminal 20A uses the communication I/F 22 to make a remittance request including the user ID of the user of the own terminal 20, the user ID of the remittance-scheduled partner (the deposit side), and the remittance-scheduled amount. The information is transmitted to the server 10 (S19).

The remittance management processing unit 115 of the server 10 determines whether or not the remittance request information is received from the terminal 20A by the communication I/F 14 (T1), and if it is determined that the remittance request information is received (T1; Yes), the remittance processing is performed. Perform (T3). Specifically, by way of example and not limitation, it is determined whether or not it is possible to remit the planned remittance amount based on the balance of the user of the remittance source stored in the remittance deposit management database 165 of the storage unit 15. To do. Then, if remittance is possible, the estimated remittance amount is subtracted from the balance and updated, and the remittance history data is updated to set the remittance result to “success”. Further, the estimated amount of money to be remitted is added to the balance of the user on the deposit side and updated, and the deposit history data is updated. On the other hand, if the remittance is impossible, the remittance result is set to “failure”.

Next, the remittance management processing unit 115 determines the remittance result by the remittance processing (T5). Then, if the remittance result is “success” (T5; success), the remittance source remittance result information transmission processing unit 1153 transmits the remittance source remittance success information to the terminal 20A through the communication I/F 14 (T7). ). Further, the depositing side depositing result information transmission processing unit 1155 transmits depositing side depositing success information to the terminal 20B through the communication I/F 14 (T9).

On the other hand, when the remittance result is “failure” (T5; failure), the remittance source remittance result information transmission processing unit 1153 transmits the remittance source remittance failure information to the terminal 20A by the communication I/F 14 (T11). ). Further, the deposit side deposit result information transmission processing unit 1155 transmits the deposit deposit side deposit failure information to the terminal 20B through the communication I/F 14 (T13). Then, the remittance management processing unit 115 ends the first remittance management processing.

When the settlement application processing unit 213 of the terminal 20A receives the remittance source remittance result information from the server 10 via the communication I/F 22 (S21), the remittance according to the type (success/failure) of the received remittance source remittance result information. The result information is displayed on the display unit 24 (S23). Then, the payment application processing unit 213 of the terminal 20A ends the fifth payment application processing.

The settlement application processing unit 213 of the terminal 20B determines whether or not the receipt side deposit result information is received from the server 10 by the communication I/F 22 (U1), and if it is determined that the receipt result information has been received (U1; Yes). ), display the deposit result information according to the type (success/failure) of the received deposit result information for deposit side (U3). Then, the payment application processing unit 213 of the terminal 20B ends the fifth payment application processing.

On the other hand, if it is determined in S3 that the operation type is “remittance request” (S3; remittance request), the payment application processing unit 213 of the terminal A makes settings relating to the remittance request according to the user operation on the input/output unit 23. Remittance request setting is performed (S25).

Thereafter, the payment application processing unit 213 of the terminal 20A sends to the server 10 remittance request request information including the user ID of the user of the own terminal 20, the user ID of the remittance requesting party, and the remittance request amount by the communication I/F 22. It is transmitted (S27).

The remittance management processing unit 115 determines whether or not the remittance request request information is received from the terminal 20A by the communication I/F 14 (T15), and if it is determined that the remittance request request information is received (T15; Yes), the remittance request request information is set. The remittance request information including the included remittance request amount is transmitted to the terminal 20 (here, the terminal 20B) associated with the remittance request partner user ID included in the remittance request request information by the communication I/F 14 (T17).

The payment application processing unit 213 of the terminal 20B determines whether or not the remittance request information is received from the server 10 by the communication I/F 22 (U4), and if it is determined that it has been received (U4; Yes), the input/output unit Remittance settings, which are settings relating to remittance, are performed according to the user operation on 23 (U5). Then, the authentication skip determination processing unit 2135 of the terminal 20B performs the eighth authentication skip determination processing (S7).

After that, the payment application processing unit 213 of the terminal 20B performs the processes of A11 to A17. Then, the remittance request processing unit 2138 of the terminal 20B sends the remittance request information including the user ID of the user of the own terminal 20, the user ID of the remittance-scheduled partner, and the remittance-scheduled amount to the server 10 by the communication I/F 22. It is transmitted (U19).

The remittance management processing unit 115 of the server 10 determines whether or not the remittance request information is received from the terminal 20B by the communication I/F 14 (T19), and if it is determined that the remittance request information is received (T19; Yes), the remittance processing is performed. Perform (T21). Then, the remittance management processing unit 115 performs the processing from T5 to T13.

When the settlement application processing unit 213 of the terminal 20B receives the remittance source remittance result information from the server 10 via the communication I/F 22 (U21), the remittance according to the type (success/failure) of the received remittance source remittance result information. The result information is displayed on the display unit 24 (U23). Then, the payment application processing unit 213 of the terminal 20B ends the fifth payment application processing.

When the payment application processing unit 213 of the terminal 20A receives the deposit-side deposit result information from the server 10 through the communication I/F 22 (S29), the type of the received deposit-side deposit result information (success/failure). The deposit result information corresponding to is displayed on the display unit 24 (S31). Then, the payment application processing unit 213 of the terminal 20A ends the fifth payment application processing.

<Effects of Fourth Embodiment>
In the fourth embodiment, the display unit 24 of the terminal 20 (an example of a display area without limitation) performs an authentication process (an example of a display process without limitation) regarding execution of authentication of a user of the terminal 20. Information related to the remittance of IMS money is transmitted by the communication I/F 22 of the terminal 20 based on the authentication to the user, and is owned by another user (an example of the first user, not limited) who is registered as a friend in the IMS application. The terminal 20 that sends the IMS money to the other terminal 20 (an example of the first terminal without limitation) acquires the information. Then, the terminal 20 performs the authentication skip determination based on the acquired information, and when the authentication skip condition is satisfied, the authentication processing is not performed and the remittance request information (an example of information about remittance of electronic money, without limitation). Is shown by the communication I/F 22.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal can easily transmit the information related to the electronic money transfer without performing the display process related to the authentication of the user of the terminal. .. In addition, the terminal does not have to perform display processing based on the acquired information, so that the processing load on the terminal can be reduced. Further, when the electronic money is remitted, the display process does not have to be performed once, so that the remittance can be performed quickly and smoothly, and the convenience of the user can be improved.

Further, the fourth embodiment shows a configuration in which the information acquired by the terminal includes information different from the authentication password (an example of authentication information without limitation).
As an example of the effect obtained by such a configuration, the terminal obtains information different from the authentication information for authenticating the user of the terminal at the time of remittance of electronic money, thereby displaying the execution of the authentication for the user of the terminal. Since no processing is required, the processing load on the terminal can be reduced.

The fourth embodiment shows a configuration in which the information different from the authentication password includes information about IMS money (an example of information about electronic money, not limitation).
As an example of the effect obtained by such a configuration, the terminal obtains information about electronic money at the time of remittance of electronic money, so that it is not necessary to perform display processing related to execution of authentication for the user of the terminal, The processing load can be reduced.

In addition, in the fourth embodiment, the above-mentioned information regarding the IMS money is information regarding the amount of IMS money associated with the terminal 20 or the user of the terminal 20 (not limited to the terminal or the user of the terminal. It shows a configuration including an example of information about the amount of electronic money that is present).
As an example of the effect obtained by such a configuration, the terminal, when remittance of electronic money, by acquiring information about the amount of electronic money, because it is not necessary to perform a display process related to the execution of authentication to the user of the terminal, The processing load on the terminal can be reduced. In addition, since the information regarding the amount of electronic money is associated with the terminal or the user of the terminal, the terminal can appropriately perform the process regarding remittance based on the information regarding the appropriate amount of electronic money.

In addition, in the fourth embodiment, the information regarding the amount of IMS money is a user (an example of a first user, not an example of a first terminal) of another terminal 20 registered as a friend (an example of a first terminal without limitation). ) To the first user of the first terminal is shown as an example of a configuration including information about an expected amount of money to be sent to the first user of the first terminal.
As an example of the effect obtained by such a configuration, the terminal acquires the information regarding the remittance to the first user of the first terminal at the time of remittance of electronic money, thereby performing the display process regarding the execution of the authentication for the user of the terminal. Since this is not necessary, the processing load on the terminal can be reduced.

In addition, in the fourth embodiment, the above-mentioned information regarding the estimated remittance amount includes a remittance amount to another user of another terminal 20.
As an example of the effect obtained by such a configuration, the terminal acquires the information regarding the remittance to the first user of the first terminal at the time of remittance of electronic money, thereby performing the display process regarding the execution of the authentication for the user of the terminal. Since this is not necessary, the processing load on the terminal can be reduced. Further, for example, if the amount of money sent to the first user of the first terminal is low, the risk is considered to be low, so security is ensured by not performing display processing related to the execution of authentication for the user of the terminal. At the same time, the convenience of the user can be improved.

In addition, the fourth embodiment shows a configuration in which the terminal 20 does not perform the authentication process until the daily upper limit setting amount (an example of a remittance amount that is set, not a limitation) is exceeded.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal does not display the execution of the authentication until the amount of money set is exceeded, so that the processing load of the terminal can be reduced. At the same time, the convenience of the user can be improved. On the other hand, when the remittance amount of electronic money is exceeded, if the set remittance amount is exceeded, a message regarding the execution of authentication may be displayed, so that the user can be alerted that the set remittance amount is exceeded.

In addition, in the fourth embodiment, the information about the amount of the IMS money is information about the balance of the IMS money associated with the terminal 20 or the user of the terminal 20 (not limited to the terminal or the user of the terminal. 1) showing an example of information about the balance of electronic money.
As an example of the effect obtained by such a configuration, the terminal, when remittance of electronic money, by acquiring information about the balance of the electronic money, because it is not necessary to perform a display process related to the execution of authentication to the user of the terminal, The processing load on the terminal can be reduced. In addition, since the information regarding the balance of electronic money is associated with the terminal or the user of the terminal, the terminal can appropriately perform the process regarding remittance based on the information regarding the proper balance of electronic money.

Further, the fourth embodiment shows a configuration in which the terminal 20 does not perform the authentication process when the balance of the IMS money is less than or equal to the set amount of money or less than the set amount of money.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal does not display the execution of the authentication when the balance of the electronic money is less than or equal to the set amount or less than the set amount. The processing load on the terminal can be reduced. In addition, for example, when the balance of electronic money is small, it is considered that the risk of being unable to send a large amount of money is low and the risk is low. It is possible to improve the sex.

In addition, in the fourth embodiment, the terminal 20 is set to automatically charge the terminal 20 (without limitation, when the electronic money is less than or equal to a set amount of money or less than the set amount of money, the electronic money is automatically deposited in the terminal 20. When the balance of the IMS money is less than or equal to the set amount of money or less than the set amount of money, the authentication process is performed.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal automatically deposits the electronic money when the electronic money of the terminal is less than or equal to the set amount or less than the set amount. When the setting is made for the terminal, if the amount of money is small, electronic money is automatically deposited in the terminal, so that a large amount of money can be remitted and a risk arises. Therefore, it is possible to alert the user that a large amount of money can be transferred by displaying a message regarding the execution of authentication.

Further, in the fourth embodiment, the above-mentioned information about the IMS money includes the information about the frequency or the number of times of remittance by the IMS money (not limited, the information about the frequency or the number of times of remittance by electronic money). Showing.
As an example of the effect obtained by such a configuration, the terminal, when remittance of electronic money, obtains information on the frequency or number of times of remittance by electronic money, thereby performing display processing relating to execution of authentication for the user of the terminal. Since this is not necessary, the processing load on the terminal can be reduced. Further, for example, if the frequency of remittance by electronic money is high or the number of remittances is high, there is a high possibility that the same user is remitting by electronic money, and it is considered that the risk is low. By not doing so, it is possible to improve convenience for the user while ensuring safety.

Further, in the fourth embodiment, the above-mentioned information about the IMS money includes information about the terminal 20 or the other terminal 20 or the user of the other terminal 20 to which the user of the terminal 20 remits with the IMS money. Is shown.
As an example of the effect obtained by such a configuration, the terminal, when remittance of electronic money, the terminal by electronic money, or the user of the terminal remits the terminal, or by acquiring information about the user of the terminal, Since it is not necessary to perform display processing related to the execution of authentication for the user of the terminal, the processing load on the terminal can be reduced. Also, if the user of the terminal has already sent money to another terminal or the user of another terminal, the risk is considered to be low. At the same time, the convenience of the user can be improved.

Further, the fourth embodiment shows a configuration in which the information about the IMS money includes a date and time of the last remittance (an example is not limited, but is an example of information about a time when the remittance is performed by electronic money).
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal obtains information about the time when the electronic money is remitted, and thus does not perform a display process regarding execution of authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced.

Further, the fourth embodiment shows a configuration in which the terminal 20 does not perform the authentication process within the set time from the above-mentioned final remittance date and time.
As an example of the effect obtained by such a configuration, the terminal, when remittance of electronic money, within the set time from the time of remittance of electronic money, because there is no need to display the execution of authentication, The processing load on the terminal can be reduced. In addition, for example, if the same amount of time has not passed since the remittance of electronic money, it is highly likely that the same user will remit the money, and it is considered that the risk is low. Therefore, the display regarding the execution of authentication is not performed. As a result, it is possible to improve convenience for the user while ensuring safety.

Further, the fourth embodiment shows a configuration in which the above-mentioned information about IMS money includes information about a place where remittance is performed by IMS money (an example is not limited to information about a place where remittance is performed by electronic money). There is.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal obtains information about the place where the electronic money is remitted, without performing display processing related to the execution of authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced.

Further, the fourth embodiment shows a configuration in which the terminal 20 does not perform the authentication process based on the information about the place where the remittance is performed by the IMS money and the information about the position of the terminal 20.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal performs a display process regarding the execution of authentication based on the information about the place where the electronic money is remitted and the information about the position of the terminal. Since it is not performed, the processing load on the terminal can be reduced. Also, for example, if the location of the terminal is not far from the place where electronic money was remitted in the past, it is highly likely that the user is trying to make remittance at the same place, and it is considered that the risk is low, so authentication is required. By not displaying the execution related to, it is possible to improve the convenience for the user while ensuring safety.

Further, in the fourth embodiment, the above-mentioned information about the IMS money includes the information about the place where the authentication processing for sending the IMS money is performed.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal obtains information on the place where the authentication for electronic money remittance is performed, and thus the terminal user can be authenticated. Since it is not necessary to perform display processing regarding execution, the processing load on the terminal can be reduced. In addition, for example, if it is a place where authentication for electronic money transfer was performed in the past, there is a high possibility that authentication will be performed again for the same user, and it is considered that the risk is low. By not performing the display process, it is possible to improve the convenience for the user while ensuring the safety.

Further, the fourth embodiment shows a configuration in which the information different from the authentication password includes information about the place.
As an example of the effect obtained by such a configuration, the terminal acquires the information about the location when remitting electronic money, and thus does not need to perform the display processing related to the execution of the authentication for the user of the terminal. The load can be reduced.

Further, the fourth embodiment shows a configuration in which the information on the location includes information on the remittance safety area (an example of information on a high-security position without limitation).
As an example of the effect obtained by such a configuration, the terminal, when remittance of electronic money, by acquiring the information of high security position, it is not necessary to perform a display process related to the execution of authentication to the user of the terminal, The processing load on the terminal can be reduced. Further, by not performing the display process related to the execution of the authentication for the user of the terminal based on the information of the position with high security, it is possible to improve the convenience of the user while ensuring the safety.

Further, the fourth embodiment shows a configuration in which the above-mentioned information regarding a place includes information about a place where the user of the terminal has visited a set number of times or more.
As an example of the effect obtained by such a configuration, the terminal displays information on execution of authentication for the user of the terminal by acquiring information of a place visited by the user of the terminal more than a set number of times when remitting electronic money. Since no processing is required, the processing load on the terminal can be reduced. In addition, by not performing display processing related to the execution of authentication for the user of the terminal based on the information of the place where the user of the terminal has visited more than the set number of times, it is possible to ensure safety and improve user convenience. Can be improved.

Further, in the fourth embodiment, the information on the above-mentioned place is at least one of the home position of the user of the terminal 20, the position of the company where the user of the terminal 20 works, and the home of the person concerned of the terminal 20. It shows a configuration that includes one piece of information.
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal is located at the home position of the user of the terminal, the position of the company where the user of the terminal works, and the home of the person concerned of the terminal. By acquiring at least one piece of the information, it is possible to reduce the processing load on the terminal, because display processing relating to the execution of authentication for the user of the terminal is not necessary. Further, display processing relating to execution of authentication for the user of the terminal based on information of at least one of the position of the home of the user of the terminal, the position of the company in which the user of the terminal works, and the home of a person concerned of the terminal user. By not performing this, it is possible to improve the convenience for the user while ensuring the safety.

Further, the fourth embodiment shows a configuration in which the information about the location includes position information of the store compatible with the payment application (not limited to, an example of information about the position of the store where payment can be made by electronic money).
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal obtains information about the position of the store that can be settled by the electronic money, and causes the user of the terminal to perform a display process related to the execution of authentication. Therefore, the processing load on the terminal can be reduced. Further, for example, if the position of the store where payment can be made by electronic money and the position of the terminal are not far apart, it is assumed that the user of the terminal will exchange money with friends when paying at this store. Since it is considered that the security is low, it is possible to improve the convenience of the user while ensuring the safety by not performing the display process related to the execution of the authentication for the user of the terminal.

Further, the fourth embodiment shows a configuration in which the information different from the authentication password includes information about the remittance partner (not limited to, but an example of information about the first user of the first terminal).
As an example of the effect obtained by such a configuration, the terminal acquires the information about the first user of the first terminal at the time of remittance of electronic money, thereby performing the display process related to the execution of the authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced.

Further, in the fourth embodiment, the information on the remittance partner is, for example, that the remittance partner is a close friend or relative, that the remittance partner has a past remittance history, and that the remittance partner has a past deposit history. It shows a configuration including such information (not limited to, but an example of information related to the relationship with the user of the terminal).
As an example of the effect obtained by such a configuration, the terminal acquires information related to the relationship with the user of the terminal at the time of remittance of electronic money, so that the terminal user does not perform display processing related to the execution of authentication. Therefore, the processing load on the terminal can be reduced. Also, for example, a user who is closely related to the user of the terminal is considered to be at low risk, so security is ensured by not performing display processing related to the execution of authentication for the terminal user. At the same time, the convenience of the user can be improved.

In addition, in the fourth embodiment, information indicating that the above-mentioned information regarding the remittance partner is included in a group capable of transmitting and receiving content in the IMS application with the terminal 20 of the user of the terminal 20 (not limited to, the terminal The example includes information indicating that the user is included in a group capable of sending and receiving messages to and from the user's terminal.
As an example of the effect obtained by such a configuration, the terminal acquires information indicating that the terminal is included in a group capable of transmitting and receiving a message to and from the terminal of the user of the terminal when remitting electronic money. Since it is not necessary to perform display processing related to the execution of authentication for the user, the processing load on the terminal can be reduced. Further, for example, the first user included in the group capable of sending and receiving messages to and from the terminal of the user of the terminal is considered to be at low risk, and thus display processing regarding execution of authentication for the user of the terminal should be avoided. By doing so, it is possible to improve convenience for the user while ensuring safety.

In addition, in the fourth embodiment, the group in the IMS application is the user of the terminal 20 (an example of the first terminal, not a limitation) to which the user of the terminal 20 remits money (an example of the first user, not a limitation). Indicates a configuration that includes another user (a second user without limitation) of another terminal 20 (an example of a second terminal without limitation) and is capable of transmitting/receiving content to/from the terminal 20 of this other user. ing.
As an example of the effect obtained by such a configuration, the terminal can send and receive a message to and from the second terminal of the second user included in the group.

In the fourth embodiment, the information different from the authentication password is information related to the setting of the terminal 20 or the payment application stored in the terminal 20 (without limitation, the setting of the terminal or the application stored in the terminal. 2 shows a configuration including an example of information regarding).
As an example of the effect obtained by such a configuration, the terminal acquires the information about the setting of the terminal or the application stored in the terminal at the time of remittance of electronic money, thereby performing the display processing regarding the execution of the authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced. Further, for example, when the information about the setting of the terminal or the application stored in the terminal is the information set by the user, the intention of the user can be respected and the convenience of the user can be improved.

In the fourth embodiment, the information different from the authentication password is information set in the terminal 20 and indicating whether or not the terminal 20 is locked (not limited to, the terminal set in the terminal, 2 shows an example of a configuration including information regarding security of 1).
As an example of the effect obtained by such a configuration, when the electronic money is remitted, the terminal obtains the information about the security of the terminal set in the terminal, thereby performing the display process regarding the execution of the authentication for the user of the terminal. Therefore, the processing load on the terminal can be reduced. Further, for example, when the information about the security of the terminal is the information related to the authentication of the user of the terminal, the convenience of the user can be improved by omitting the display process regarding the execution of the authentication of the user of the terminal.

Further, the fourth embodiment shows a configuration in which the terminal 20 receives, via the communication I/F 22, information relating to remittance of IMS money to the terminal 20 of another user (an example of the first terminal without limitation). ..
As an example of the effect obtained by such a configuration, the terminal can receive and acquire information regarding the remittance of electronic money to the first terminal by the communication unit.

Further, the fourth embodiment shows a configuration in which the terminals include a plurality of terminals 20 that have received splitting requests at the same time, and the authentication process is skipped when the authentication is completed by the set number of terminals 20 or more.
As an example of the effect obtained by such a configuration, the information sent from the server that manages the remittance of electronic money is based on the authentication of the user of the second terminal that has received the information regarding the remittance of electronic money to the first terminal. Sent. Therefore, the terminal can acquire the information sent from the server that manages the remittance of electronic money based on the authentication of the user of the second terminal.

<Fourth Modification Example (1)>
In the fourth embodiment, the terminal 20 executes the authentication skip determination as to whether or not to skip the authentication process for remittance, but the present invention is not limited to this. In the second embodiment, the configuration is shown in which the server 10 executes the authentication skip determination as to whether or not to cause the terminal 20 to skip the payment authentication process, but similarly to this, the remittance authentication process is performed by the terminal 20. It is also possible to have the server 10 execute the authentication skip determination as to whether or not to skip.

FIG. 6-24 is a diagram showing an example of the data configuration of the authentication skip condition data 166 stored in the storage unit 15 of the server 10 in this modification. The authentication skip condition data 166 is data in which an authentication skip condition, which is a condition for causing the terminal 20 to skip the remittance authentication process. This data structure is the same as the authentication skip condition data 2856 of the terminal 20, but the contents are partially different. Hereinafter, description will be made focusing on different conditions.

<Condition category No. “SP15-2”>
As the authentication skip condition of the condition No. “SP15-2” included in the condition category No. “SP15 (security)”, “the credit score of the user of the terminal is 80 points or more” is defined. This is to skip the authentication processing of the terminal 20 when the credit score of the user of the terminal 20 stored in the credit score data 158 is 80 points or more, that is, when the credit of the user of the terminal 20 reaches a certain level. Means that.

In this determination, the terminal 20 acquires, from the credit scores stored in the credit score data 158, the credit score of the user of the terminal 20 who plans to remit. Then, it is determined whether the acquired credit score is 80 points or more.

Other conditions are the same as the authentication skip condition data 2856 of the terminal 20, but in the present modified example, unlike the fourth embodiment, the server 10 performs the authentication skip determination process for remittance. Therefore, the server 10 stores the user information stored in the user registration data 153 of the storage unit 15, the store information stored in the store registration data 155, the IMS user management data stored in the IMS user management database 161, and the IMS. The server management information such as the IMS group management data stored in the group management database 163 and the remittance payment management data stored in the remittance payment management database 165 is acquired. Further, the server 10 requests the terminal 20 for information such as position information of the terminal 20 (terminal position information) which is not managed by the server 10 and acquires the information. Then, the server 10 performs the authentication skip determination based on the acquired information.

FIG. 6-25 is a flowchart showing an example of the flow of processing executed by each device in the present modification.
In this figure, in order from the left side, a sixth payment application process, which is an example of the payment application process executed by the payment application processing unit 213 of the terminal 20A, and a second remittance management process executed by the remittance management processing unit 115 of the server 10. , And sixth payment application processing, which is an example of the payment application processing executed by the payment application processing unit 213 of the terminal 20B, respectively, and a portion corresponding to FIG. 6-22 is extracted.
It should be noted that the same steps as those in the already-explained flowcharts are designated by the same reference numerals, and the description thereof will be omitted.

After performing the remittance setting in S5, the payment application processing unit 213 of the terminal 20A transmits the remittance request information to the server 10 via the communication I/F 22 (S19).

If the remittance management processing unit 115 of the server 10 determines that the remittance request information is received from the terminal 20A by the communication I/F 14 (T1; Yes), the ninth remittance skip determination process is performed (W1). Note that, in order to distinguish it from the authentication skip determination process according to the other embodiments, it is referred to as a “ninth authentication skip determination process” for convenience.

Specifically, by the same method as that of the fourth embodiment, various server managements obtained from the storage unit 15 regarding success or failure of the authentication skip condition included in the authentication skip condition data (not shown) stored in the storage unit 15 are performed. The determination is made based on the information and the information obtained by requesting the terminal 20.

After performing the ninth authentication skip determination process, the remittance management processing unit 115 determines whether the determination to skip the authentication process has been made (W3). When it is determined to skip the authentication processing (W3; Yes), the remittance management processing unit 115 shifts the processing to T3.

On the other hand, when it is determined that the authentication process is not skipped (W1: No), the remittance management processing unit 115 transmits the additional authentication request information to the terminal 20 through the communication I/F 14 (W5).

The payment application processing unit 213 of the terminal 20A determines whether or not the additional authentication request information is received from the server 10 by the communication I/F 22 (V1), and if it is determined not to be received (V1; No), S21. Move to. In this case, the authentication process is skipped at the terminal 20.

On the other hand, if it is determined that the additional authentication request information is received from the server 10 by the communication I/F 22 (V1; Yes), the payment application processing unit 213 executes the processing of A13 to A17. In this case, the authentication process is executed in the terminal 20.

When the authentication result is “OK” in the authentication processing (A15; Yes), the payment application processing unit 213 transmits the authentication success information to the server 10 via the communication I/F 22 (V3).

When the remittance management processing unit 115 receives the authentication success information from the terminal 20 through the communication I/F 14 (W7), the remittance management processing unit 115 executes the process of T3. That is, the remittance process is performed after receiving the information indicating that the authentication is successful from the terminal 20 (T3). Then, the remittance management processing unit 115 shifts the processing to T5.

<Effect of Fourth Modified Example (1)>
In this modification, the server 10 receives, via the communication I/F 14, remittance request information regarding the remittance of IMS money by the terminal 20 (an example of first information regarding remittance of electronic money, without limitation), and additional authentication request information ( Without limitation, an example of information regarding the authentication of the user of the terminal) is transmitted to the terminal 20 by the communication I/F 14. Further, the server 10 receives the authentication success information (not limited to, but an example of information indicating that the user of the terminal has been authenticated) through the communication I/F 14. Then, the server 10 transmits the remittance source remittance result information (an example of remittance information indicating that remittance by electronic money is performed, without limitation) to the terminal 20 by the communication I/F 14 based on the authentication success information. Then, based on the authentication success information and the remittance request information, the remittance side deposit result information (not limited, but an example of second information relating to remittance of electronic money) is sent to the remittance partner terminal 20 (not limited, The communication I/F 14 transmits the information to an example of a terminal different from the terminal). At this time, the server 10 causes the communication I/F 14 to transmit the additional authentication request information to the terminal 20 based on the acquisition of information different from the authentication password (an example of authentication information for authenticating a user without limitation). First, the remittance source remittance result information is transmitted to the terminal 20 by the communication I/F 14.
As an example of the effect obtained by such a configuration, the server obtains information different from the authentication information for authenticating the user of the terminal at the time of remittance of electronic money, so that the information about the authentication of the user of the terminal can be obtained. Since it is not transmitted to the server, the processing load on the server can be reduced. Further, the remittance information can be transmitted to the terminal without transmitting the information regarding the authentication of the user of the terminal to the terminal.

<Fourth Modification Example (2)>
In the above description, the server 10 may or may not change the authentication skip condition based on the trust score of the user of the terminal 20.

Specifically, as an example and not by way of limitation, the server 10 lengthens the “setting time” in the authentication skip condition of the condition No “SP11-1” of the authentication skip condition data 166 as the trust score of the user of the terminal 20 increases. It may or may not be done.

More specifically, by way of example and not limitation, the set time when the credit score is 0 is set as “2 hours”. In addition, a threshold value that is an integral multiple of 10 points (10 points, 20 points,..., 100 points) is set as the threshold value of the credit score. Then, each time the credit score of the user of the terminal 20 reaches the threshold value, the set time can be set longer by one hour, for example.

Also, as an example and not by way of limitation, the server 10 increases the “one day upper limit set amount” in the authentication skip condition of the condition No “SP13-1” of the authentication skip condition data 166 as the credit score of the user of the terminal 20 increases. It may or may not be done. More specifically, by way of example and not limitation, the daily upper limit setting amount when the credit score is 0 is set to “0 yen”. In addition, a threshold value that is an integral multiple of 10 points (10 points, 20 points,..., 100 points) is set as the threshold value of the credit score. Then, each time the user's credit score of the terminal 20 reaches a threshold value, the daily maximum set amount can be set to be increased by 5000 yen.

<Effect of Fourth Modified Example (2)>
As an example of the effect obtained by this modification, the server can change the authentication skip condition based on the credibility of the user of the terminal. For example, the user's convenience can be improved by changing the authentication skip condition so that the authentication process is more easily skipped as the user's credibility of the terminal is higher.

<Fourth Modification Example (3)>
In the fourth embodiment, the information related to remittance transmitted from the server 10 is stored in the storage unit 28 of the terminal 20 as remittance history data, and the terminal 20 makes the authentication skip determination based on the information regarding remittance included in the remittance history data. However, the present invention is not limited to this.

Specifically, the remittance history data may not be stored in the storage unit 28 of the terminal 20. In this case, the terminal 20 may or may not request the information necessary for the authentication skip determination from the server 10 and perform the authentication skip determination based on the information acquired from the server 10.

<Effect of Fourth Modification (3)>
As an example of the effect obtained by this modification, it is not necessary to store information regarding the history of remittance by electronic money in the terminal, so that the storage capacity of the terminal can be saved.

<Fourth Modification Example (4)>
In the fourth embodiment, the daily upper limit set amount is set as the upper limit set amount which is a threshold value with respect to the total amount of remitted amount (remittance amount) in the day, but the present invention is not limited to this. Specifically, by way of example and not limitation, the amount set for the daily upper limit is the sum of the total amount of remittances (remittance amount) and the amount of money to be retransmitted (estimated remittance amount) for the day. It may or may not be the upper limit set amount of money as the threshold amount of money.

Further, the upper limit setting amount does not necessarily have to be the upper limit setting amount for one day, and may be the upper limit setting amount for a predetermined period in the past (past 1 week, past 2 weeks, past 1 month, etc.). You don't have to.

In addition, the upper limit set amount is set to the amount to be remitted (scheduled amount to be remitted), that is, the amount to be remitted at one time, and the authentication skip is performed when "the estimated amount to be remitted is less than (or less than) the set amount" The authentication skip determination may be performed based on the condition. By doing so, the authentication process can be skipped when the user of the terminal 20 sends a small amount of money.

<Effect of Fourth Modified Example (4)>
As an example of the effect obtained by this modification, whether or not to display the authentication execution in consideration of not only the amount retransmitted in the past (remittance amount) but also the amount to be retransmitted (scheduled remittance amount) Can be determined.

Further, by not displaying the authentication execution until the remittance amount for one time exceeds the set amount, it is possible to improve the convenience for the user.

<Fourth Modification Example (5)>
The various authentication skip conditions described in the fourth embodiment are merely examples, and can be appropriately added, deleted, or changed.

Specifically, as an example and not by way of limitation, the authentication skip condition that "the current date and time is within the set time from the last remittance date and time" may be "the current date and time is within the set time from the last authentication date and time".
Further, the “final authentication date and time” in this case is not necessarily limited to the date and time when the authentication for remittance was last performed, and is not limited to, for example, the settlement by the IMS money described in the first embodiment and the like. Date and time when the last authentication was performed, the date and time when the authentication for unlocking the OS side of the terminal 20 was last performed, and the date and time when the authentication for unlocking the payment application side was last performed The date and time when the type of authentication other than the authentication for remittance is last performed may be set as the “final authentication date and time” in the above authentication skip condition.

<Effect of Fourth Modified Example (5)>
As an example of the effect obtained by this modification, the terminal, when remittance of electronic money, not only when the authentication for remittance is within the set time from the last date and time, Even when the different types of authentication are within the set time from the date and time when the authentication was last performed, the display regarding the execution of the authentication is not performed, so that the convenience of the user can be further improved.

1 Communication System 10 Server 20 Terminal 30 Network 40 Store POS System 50 Store Code Reader Device 60 Code Register 70 Store Server

Claims (30)

An authentication method performed by a server that manages electronic money settlement by a terminal,
Receiving information on payment of electronic money by the terminal by the communication unit of the server,
Transmitting information regarding authentication of a user of the terminal to the terminal by the communication unit,
Receiving information indicating that the user of the terminal has been authenticated by the terminal by the communication unit,
Transmitting, by the communication unit, payment information indicating that payment by the electronic currency has been performed based on information indicating that the user of the terminal has been authenticated,
The payment information does not transmit information related to the authentication of the user of the terminal to the terminal by the communication unit based on the acquisition of information different from the authentication information for authenticating the user. Sent to the terminal. The authentication method according to claim 1, wherein
The information different from the authentication information includes information associated with the terminal or identification information for identifying the user of the terminal. The authentication method according to claim 2, wherein
The information associated with the identification information includes information about electronic money associated with the terminal or a user of the terminal. The authentication method according to claim 3, wherein
The information about the electronic money includes information about the amount of the electronic money associated with the terminal or the user of the terminal. The authentication method according to claim 4, wherein
The information on the amount of electronic money includes information on the set amount of electronic money that has been set. The authentication method according to claim 5, wherein
The settlement information is transmitted to the terminal by the communication unit without transmitting the information regarding the authentication of the user of the terminal to the terminal by the communication unit until the amount exceeds the set amount. The authentication method according to claim 4, wherein
The information about the amount of electronic money includes information about the balance of the electronic money associated with the terminal or the user of the terminal. The authentication method according to claim 7, wherein
When the balance of the electronic money is less than or equal to a set amount of money or less than the set amount of money, the settlement information does not transmit information related to user authentication of the terminal to the terminal by the communication unit, but by the communication unit. It is transmitted to the terminal. The authentication method according to claim 8, wherein
If the payment information is less than or equal to a set amount of the electronic money of the terminal or less than the set amount of money, the electronic money is automatically deposited in the terminal, When the balance of electronic money is less than or equal to a set amount of money or less than the set amount of money, information regarding user authentication of the terminal is transmitted to the terminal by the communication unit, and is transmitted to the terminal by the communication unit. The authentication method according to claim 3, wherein
The information about electronic money includes information about the frequency or the number of payments made by the electronic money. The authentication method according to claim 3, wherein
The information about the electronic money includes information about the time when the electronic money is settled. The authentication method according to claim 11, wherein
The payment information is transmitted to the terminal by the communication unit without transmitting the information regarding the authentication of the user of the terminal to the terminal by the communication unit within a set time from the time when the payment is performed. .. The authentication method according to claim 3, wherein
The information about the electronic money includes information about a place where payment is made by the electronic money. The authentication method according to claim 13, wherein
The information about the place where payment is made by the electronic money includes information about the store where payment is made by the electronic money. The authentication method according to claim 14, wherein
The payment information is based on information about a store that has made a payment by the electronic currency and information about a position of the terminal, and does not transmit information about authentication of a user of the terminal to the terminal by the communication unit. It is transmitted to the terminal by the communication unit. The authentication method according to claim 3, wherein
The information about the electronic money includes information about a place where the authentication is performed to settle the electronic money. The authentication method according to claim 2, wherein
The information associated with the identification information includes information about a product purchased by the user of the terminal. The authentication method according to claim 17, wherein
The payment information is information related to the authentication of the user of the terminal to the terminal by the communication unit based on information about the product purchased by the user of the terminal and information about the product purchased by the user of the terminal. It is not transmitted, but is transmitted to the terminal by the communication unit. The authentication method according to claim 1, wherein
The information different from the authentication information includes information about a place. The authentication method according to claim 19, wherein
The information about the location includes information about a store where the product is purchased, is transmitted from the server of the store that manages the product, and is received by the communication unit. The authentication method according to claim 19, wherein
The information about the location includes information about the location of the store where the product is purchased,
Receiving information about the location of the terminal by the communication unit,
The payment information is based on information about the location of the store and information about the location of the terminal, and does not send information about the authentication of the user of the terminal to the terminal by the communication unit, but does not transmit the information by the communication unit to the terminal. Sent to. The authentication method according to claim 1, wherein
The information different from the authentication information includes information about products.
The authentication method according to claim 22, wherein:
In the payment information, when the information about the product and the information about a preset product match, the information about the authentication of the user of the terminal is not transmitted to the terminal by the communication unit, but the terminal by the communication unit. Sent to. The authentication method according to claim 22, wherein:
The information about the product includes information about the total amount of the product. The authentication method according to claim 1, wherein
Further comprising transmitting code information by the communication unit,
The information regarding the settlement of the electronic money by the terminal is received by the communication unit based on the code information being read by the code reader of the terminal. The authentication method according to claim 25,
The information different from the authentication information includes information associated with the code information. The authentication method according to claim 26, wherein
The information associated with the code information includes information generated based on the store that manages the product. The authentication method according to claim 27, wherein
The information associated with the code information includes information generated based on a request from a store that manages products. A program to be executed by a computer of a server that manages the settlement of electronic money by a terminal,
Receiving information on payment of electronic money by the terminal by the communication unit of the server,
Transmitting information regarding authentication of a user of the terminal to the terminal by the communication unit,
Receiving information indicating that the user of the terminal has been authenticated by the terminal by the communication unit,
Transmitting, by the communication unit, payment information indicating that payment by the electronic currency has been performed based on information indicating that the user of the terminal has been authenticated,
The payment information does not transmit information related to the authentication of the user of the terminal to the terminal by the communication unit based on the acquisition of information different from the authentication information for authenticating the user. Sent to the terminal. A server that manages the settlement of electronic money by a terminal,
The terminal receives information about payment of electronic money by the terminal, transmits information about authentication of a user of the terminal to the terminal, receives information indicating that the user of the terminal has been authenticated by the terminal, and A communication unit that transmits, to the terminal, payment information indicating that payment by the electronic currency has been performed based on information indicating that the user has been authenticated;
Based on the acquisition of information different from the authentication information for authenticating the user, the communication unit does not transmit information related to the authentication of the user of the terminal to the terminal, and the communication unit causes the terminal to perform the payment information. And a control unit that performs control for transmitting the.

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