JP2020126543A - Program, information processing terminal, information processing method, and information processing device - Google Patents

Abstract

To allow a user to properly deposit money when the user hands over cash to be deposited to an account of the user at a store.SOLUTION: A program provided herein makes an information processing terminal perform processes of: photographing an image of cash handed over to a store by a user, the cash being of an amount to be added to an account balance of the user in a settlement service provided by the information processing device; and sending at least either of identification information of the user and identification information of a store operator, and a photographed image of the cash to the information processing device.SELECTED DRAWING: Figure 4

Description

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

2. Description of the Related Art Conventionally, for example, in a store such as a convenience store, there is known a system capable of depositing (charging) a customer's electronic money balance (for example, see Patent Document 1). In this system, first, the customer verbally tells the store clerk that he wants to deposit to the balance of the prescribed payment service, hands over the cash of the amount he wants to deposit to the store clerk, and stores the smartphone or card compatible with the payment service. Place it on the card writer installed in. Then, when the store clerk operates the dedicated terminal installed in the store, the amount of money is deposited.

JP, 2009-237831, A

However, in the related art, for example, a situation may occur in which the clerk counts the amount of cash received from the customer, or makes a mistake in the input operation of the amount to be deposited in the customer's account. An object of the present disclosure is to provide a technique that allows a user to appropriately make a deposit when handing over cash at a store and depositing it in the user's account.

A program according to an embodiment of the present disclosure is cash transferred from a user to a store in an information processing terminal, and the amount of money deposited from the store in the balance of the user in a settlement service provided by an information processing device. A process of capturing the cash image, at least one of the identification information of the user and the identification information of the business operator of the store, and a process of transmitting the captured cash image to the information processing device. Let it run.

FIG. 1 is a diagram showing a configuration of a communication system according to an embodiment of the present disclosure. It is a figure which shows an example of the hardware constitutions of the information processing apparatus which concerns on embodiment. It is a figure showing an example of a block diagram showing functional composition of a server, a terminal, and a POS terminal concerning an embodiment. It is a figure which shows an example of the sequence of a process when displaying a two-dimensional code etc. on a terminal which concerns on 1st Embodiment, and depositing. It is a figure which shows an example of the payment information memorize|stored in the payment information storage part which concerns on 1st Embodiment. It is a figure which shows an example of the payment information memorize|stored in the user information storage part which concerns on 1st Embodiment. It is a figure which shows an example of the payment information memorize|stored in the company information storage part which concerns on 1st Embodiment. It is a figure explaining an example of a display screen of a terminal or a POS terminal concerning an embodiment. It is a figure explaining an example of a display screen of a terminal or a POS terminal concerning an embodiment. It is a figure explaining an example of a display screen of a terminal or a POS terminal concerning an embodiment. It is a figure explaining an example of a display screen of a terminal or a POS terminal concerning an embodiment. It is a figure which shows an example of the sequence of a process when displaying a two-dimensional code etc. on a POS terminal which concerns on 1st Embodiment, and depositing. It is a figure which shows an example of the sequence of the correction process of the deposit amount which concerns on 1st Embodiment. It is a figure showing an example of a block diagram showing functional composition of a server, a terminal, and a POS terminal concerning a 2nd embodiment. It is a figure which shows an example of the sequence of a process when displaying a two-dimensional code etc. on the terminal which concerns on 2nd Embodiment, and depositing. It is a figure which shows an example of the sequence of a process when displaying a two-dimensional code etc. on a POS terminal which concerns on 2nd Embodiment, and depositing.

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

A mode for carrying out cash payment according to the present disclosure will be described with reference to the drawings.
<System configuration>
FIG. 1 is a diagram showing a configuration of a communication system 1 according to an embodiment of the present disclosure. As disclosed in FIG. 1, in the communication system 1, the server 110A, the server 110B, the terminal 120A, the terminal 120B, and the terminal 120C are connected to the POS terminal 140A, the POS terminal 140B, and the POS terminal 140C via the network 130. To be done.

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

In the present disclosure, when it is not necessary to distinguish the terminal 120A, the terminal 120B, and the terminal 120C from each other, the terminal 120A, the terminal 120B, and the terminal 120C are respectively the terminal 120 (an example of an “information processing terminal”). May be expressed. Further, in the present disclosure, when it is not necessary to distinguish between the POS terminal 140A, the POS terminal 140B, and the POS terminal 140C, the POS terminal 140A, the POS terminal 140B, and the POS terminal 140C are referred to as the POS terminal 140, respectively. May be done.

In the present disclosure, when it is not necessary to distinguish the server 110, the terminal 120, and the POS terminal 140 from each other, the server 110, the terminal 120, and the POS terminal 140 may be respectively expressed as the information processing device 200. Note that the number of information processing devices 200 connected to the network 130 is not limited to the example of FIG.

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

In the present disclosure, the settlement service means a service that allows one or more users to exchange money or money equivalents. By way of example and not limitation, one-dimensional code (bar code, etc.), two-dimensional code (QR code (registered trademark), etc.) (hereinafter, one-dimensional code and two-dimensional code are collectively referred to as “two-dimensional code, etc.” ), near field communication (NFC (Near Field Communication), BLE (Bluetooth (registered trademark) Low Energy), Wi-Fi (registered trademark), ultrasonic communication, infrared communication, etc.) including. In addition, the fact that the terminal 120 of the user (payer) who pays the price reads the two-dimensional code or the like to perform payment is referred to as “user-readable code payment” or “MPM (Merchant Presented Mode)”, and payment is performed. The terminal 120 of the user who performs the operation displays the two-dimensional code or the like, and the displayed two-dimensional code or the like is read by the POS terminal 140 of the user (seller, claimant, clerk) such as the store side who requests the payment. Performing payment is referred to as “store-reading code payment” or “CPM (Consumer Presented Mode)”. The MPM and CPM may be dynamic or static.

The POS terminal 140 is, for example, a POS (Point of Sale system) terminal installed in a store or the like. The POS terminal 140 may be realized by a terminal such as a smartphone, for example. When the user of the terminal 120 purchases a product at a store, the POS terminal 140 receives payment for approval using the payment service provided by the server 110.

Further, the POS terminal 140 deposits the amount of cash received by the clerk or the like from the user of the terminal 120 into the balance of the user in the settlement service provided by the server 110. In this case, the POS terminal 140 deposits money by, for example, reading a two-dimensional code displayed on the terminal 120 and transmitting the read information and the like to the server 110. Alternatively, the POS terminal 140 deposits money by displaying a two-dimensional code or the like, causing the terminal 120 to read the information, and transmitting the read information or the like to the server 110. Alternatively, the POS terminal 140 reads information from the terminal 120 using short-range wireless communication when the terminal 120 is held over a card reader of the POS terminal 140 by the user, and the read information is read by the server 110, for example. Deposit by sending to.

The terminal 120 is, for example, a terminal of a user's smartphone or the like, and performs a process of using various services such as a payment service provided by the server 110.

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

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

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

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

The information processing apparatus 200 includes, by way of example and not limitation, a smartphone, a mobile phone (feature phone), a computer (for example, without limitation, a desktop, laptop, tablet, etc.), a server device, a media computer platform (for example, but not limitation). , Cables, satellite set-top boxes, digital video recorders, etc.), handheld computer devices (such as, but not limited to, PDAs (Personal Digital Assistants), email clients, etc.), wearable terminals (such as, but not limited to, eyeglass devices, Including clock-type devices), other types of computers, or communication platforms.

<Hardware configuration>
The hardware configuration of the information processing apparatus 200 included in the communication system 1 will be described with reference to FIG. FIG. 2 is a diagram illustrating an example of a hardware configuration of the information processing device 200 according to the embodiment.

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

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

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

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

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

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

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

The input device is realized by any of all types of devices capable of receiving an input from a user and transmitting information related to the input to the processor 201, or a combination thereof. The input device includes, 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 through an image), and a microphone (operation input by voice).

The output device is realized by any of all types of devices capable of outputting the processing result processed by the processor 201, or a combination thereof. When outputting the processing result as a video or a moving image, the output device is realized by any one or a combination of all types of devices capable of displaying the display data according to the display data written in the frame buffer. It The output device is, for example, without limitation, a touch panel, a touch display, a monitor (as an example without limitation, a liquid crystal display, an OELD (Organic Electroluminescence Display), etc.), a head mounted display (HDM: Head Mounted Display), projection mapping, a hologram. , A device capable of displaying images and text information in the air (may be a vacuum), a speaker (voice output), a printer, and the like. Note that these output devices may be capable of displaying the display data in 3D.

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

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

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

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

It should be noted that the program of the present disclosure is implemented, for example and without limitation, by using a script language such as JavaScript (registered trademark), Python, C language, Go language, Swift, Kotlin, Java (registered trademark), or the like.

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

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

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

In this disclosure, unless stated otherwise or indicated by context, "at least one of A and B" means "A, B, or both." Further, unless otherwise specified or indicated by context, “a”, “an”, or “the” shall mean “one or more”. Thus, herein, "an A" or "the A" means "one or more A," unless otherwise specified or indicated by context.

This disclosure includes all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Moreover, the appended claims encompass all changes, substitutions, variations, alterations, or modifications that can be made by those skilled in the art to the embodiments and examples of the present disclosure. Furthermore, this disclosure includes any combination of one or more features of the embodiments or examples in this disclosure with one or more features of other embodiments or examples in this disclosure that can be made by those skilled in the art. To do.

In addition, a device or system or device or system component adapted, arranged, capable, configured, usable, operable, or operable to be adapted to perform a particular function. References in the claims appended hereto are those devices, systems, or components that are so adapted, arranged, capable, configured, enabled, enabled. As long as the device, system, or component is activated, turned on, or unlocked, the device, system, or component is encompassed as long as the device, system, or component is activated, turned on, or unlocked.

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

<First Embodiment>
The first embodiment of the present disclosure is an embodiment in which, when a user (customer) hands over cash to a clerk or the like and deposits the cash into the balance of the user, an image of cash is uploaded to the server 110.

According to the embodiment, for example, when a user hands over cash at a store and deposits money in the user's account, it is possible to appropriately perform deposit. Further, for example, since the deposit can be appropriately made, the load of the terminal 120 or the server 110 and the load of the network 130 between the terminal 120 and the server 110 can be reduced as a result.

<Functional configuration of the first embodiment>
The functional configurations of the server 110, the terminal 120, and the POS terminal 140 according to the first embodiment will be described with reference to FIG. FIG. 3 is a diagram showing an example of a block diagram showing a functional configuration of the server 110, the terminal 120, and the POS terminal 140 according to the first embodiment. The functional unit disclosed in FIG. 3 is realized by cooperation of a processor 201 included in the information processing device 200, a memory 202, a storage 203, an input/output I/F 204, and a communication I/F 205.

(1) Functional Configuration of Server The server 110 includes a reception unit 311, a transmission/reception unit 312, a control unit 313, a display control unit 314, and a storage unit 315. Note that the function or processing of each functional unit may be realized by machine learning or AI (Artificial Intelligence) within a feasible range.

The reception unit 311 receives various setting operations and the like from a business operator that operates various services provided by the server 110.

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

The control unit 313 performs a process of providing various services such as a payment service to the user of the terminal 120.

The display control unit 314 causes the transmission/reception unit 312 to transmit the information for controlling the display screen of the terminal 120 according to the instruction of the control unit 313.

The storage unit 315 includes a deposit information storage unit 3151 that stores deposit information, a user information storage unit 3152 that stores user information, and a company information storage unit 3153 that stores information about a company such as a store.

(2) Functional Configuration of Terminal The terminal 120 has a reception unit 321, a transmission/reception unit 322, a control unit 323, a display control unit 324, and a storage unit 325. The function or processing of each functional unit may be realized by machine learning or AI to the extent possible.

The reception unit 321 receives various operations and the like from the user of the terminal 120.

The transmission/reception unit 322 transmits/receives data to/from the server 110 or the like according to an instruction from the control unit 323. The transmission/reception unit 322 connects a session for communication with the server 110 using HTTPS or the like, for example, when logging in to the server 110. Then, the communication address of the server 110 and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the server 110 using the connected communication session.

The control unit 323 performs a process of using various services such as a payment service provided by the server 110.

The display control unit 324 controls the display screen of the terminal 120 based on the information received from the server 110 according to the instruction of the control unit 323. The storage unit 325 stores information for using various services provided by the server 110.

(3) Functional Configuration of POS Terminal The POS terminal 140 has a reception unit 331, a transmission/reception unit 332, a control unit 333, a display control unit 334, and a storage unit 335. The function or processing of each functional unit may be realized by machine learning or AI to the extent possible.

The reception unit 331 receives various operations and the like from a clerk or the like of a store in which the POS terminal 140 is provided.

The transmission/reception unit 332 transmits/receives data to/from the server 110 or the like according to an instruction from the control unit 333. The transmitting/receiving unit 332 connects a session for communication with the server 110 using HTTPS or the like, for example, when logging in to the server 110. Then, the communication address of the server 110 and the like are stored in association with the ID of the connected communication session. Then, the data is transmitted to the server 110 using the connected communication session.

The control unit 333 performs a process of using various services such as a payment service provided by the server 110.

The display control unit 334 controls the display screen of the POS terminal 140 based on the information received from the server 110 according to the instruction of the control unit 333. The storage unit 335 stores information for using various services provided by the server 110.

<Processing of First Embodiment>
<<Processing when depositing money by displaying a two-dimensional code on the terminal 120>>
With reference to FIGS. 4 to 6D, an example of a process of displaying a two-dimensional code or the like on the terminal 120 according to the first embodiment and depositing the money will be described. FIG. 4 is a diagram showing an example of a processing sequence in the case of displaying a two-dimensional code or the like on the terminal 120 according to the first embodiment and depositing the money. FIG. 5A is a diagram showing an example of deposit information stored in the deposit information storage unit 3151 according to the first embodiment. FIG. 5B is a diagram showing an example of deposit information stored in the user information storage unit 3152 according to the first embodiment. FIG. 5C is a diagram showing an example of deposit information stored in the company information storage unit 3153 according to the first embodiment. 6A to 6D are diagrams illustrating an example of a display screen of the terminal 120 or the POS terminal 140 according to the embodiment.

In the following, an example will be described in which a two-dimensional code or the like is displayed on the user (customer) terminal 120 and the POS terminal 140 in the store reads the two-dimensional code or the like to make a deposit. The following processing can be similarly performed even if the terminal 120 and the POS terminal 140 are replaced. For example, the process of capturing an image or the process of inputting the deposit amount may be performed by either the terminal 120 or the POS terminal 140.

In step S1, the terminal 120 activates the deposit function and shoots the cash to be deposited with the camera in response to the user's operation. Here, for example, the terminal 120 first activates an application program for a payment service provided by the server 110 (hereinafter, also simply referred to as “app”), and from the menu screen displayed by the application, the deposit function. Accepts the pressing operation of the button that activates. Then, the terminal 120 displays the cash photographing screen 601 of FIG. 6A. In the example of FIG. 6A, the terminal 120A displays a message 602, “Please press and hold the shooting button while copying the total amount of cash to be deposited,” and a shooting button 603. In the example of FIG. 6A, three thousand-yen bills, one 500-yen coin, three 100-yen coins, and one 50-yen coin taken by the camera are displayed in the area 604. The terminal 120 shoots at predetermined intervals (for example, 0.1 second intervals) while accepting an operation such as long pressing of the shooting button 603 in FIG. 6A (for example, 3 seconds).

Then, the terminal 120 recognizes the captured cash image and recognizes the captured cash amount (step S2). Here, the terminal 120 recognizes each image captured at a predetermined interval using AI (machine learning) by deep learning or the like, and recognizes the amount of cash captured.

Then, the terminal 120 has the highest amount of money among the amounts of money recognized from each image in which the reliability (probability, similarity) for each banknote and each coin recognized by machine learning is equal to or higher than a predetermined threshold value. May be extracted as the recognized amount of money. Thereby, for example, even if there is an image in which the full amount is not photographed due to camera shake, a shift in the photographing range, or the like, the full amount can be appropriately recognized.

Then, the terminal 120 displays the recognized amount on the screen (step S3). Here, the terminal 120 displays the amount confirmation screen 611 of FIG. 6B. In the example of FIG. 6B, the terminal 120 displays a message 612 including the recognized amount of money, a “return” button 613, and a “confirm” button 614.

Then, the terminal 120 receives the amount approval operation from the user (step S4). Here, the terminal 120 receives, for example, pressing of the “confirm” button 614 in FIG. 6B. If the "return" button 613 is pressed, the process returns to step S1. Accordingly, it is possible to determine an image in which the deposit amount approved by the user can be detected by image recognition.

Then, the terminal 120 transmits a code acquisition request including the user ID of the user of the terminal 120 and the image information when the amount of cash is recognized to the server 110 (step S5). Note that the terminal 120 may also send information on the amount of money approved by the user in the process of step S4 to the server 110.

Here, the terminal 120 has the highest amount of money recognized from each image whose reliability (probability, similarity) for each banknote and each coin recognized by machine learning is equal to or higher than a predetermined threshold value. When there are a plurality of images for which the amount of money is recognized, the image to be transmitted to the server 110 may be determined from among the plurality of images based on the reliability.

In this case, the terminal 120 may select, for example, the image with the highest average value of the respective reliability levels as the image to be transmitted to the server 110. For example, it is assumed that one 1000-yen bill and one 100 coins are recognized from the first image, the reliability of recognition for the 1000-yen bill is 90%, and the reliability of recognition for 100 coins is 70%. Similarly, one 1000 yen bill and one 100 coins are recognized from the second image, and the reliability of recognition for 1000 yen bills is 80%, and the reliability of recognition for 100 coins is 85%. .. In this case, the terminal 120 sets the average value of the reliability of the first image to 80% (=(90%+70%)/2) and the average value of the reliability of the second image to 82.5%(=(( 80%+85%)/2), and the second image having a high average value is selected. This allows the server 110 to record an image in which each banknote and each coin are recognized with higher accuracy.

Further, the terminal 120 may select, as an image to be transmitted to the server 110, for example, an image having the highest value (score) obtained by adding a weight according to the amount of money to each reliability.
For example, as in the example described above, one 1000-yen bill and one 100 coins are recognized from the first image, the reliability of recognition for 1000-yen bills is 90%, and the reliability of recognition for 100 coins is 70. %. Similarly, one 1000 yen bill and one 100 coins are recognized from the second image, and the reliability of recognition for 1000 yen bills is 80%, and the reliability of recognition for 100 coins is 85%. .. In this case, the terminal 120 adds 97,000 (=90%×1000 yen+70%×100 yen) to each reliability of the first image with a weight corresponding to the amount of money, and sets each reliability of the second image to the amount of money. A value added with a corresponding weight is calculated as 88500 (=80%×1000 yen+85%×100 yen), and the first image having a high value is selected. As a result, it is possible to cause the server 110 to record an image in which high-value banknotes and coins are recognized with higher accuracy.

Subsequently, the server 110 receives a deposit ID (an example of “identification information of deposit”) that is information for identifying deposit, and a code ID (QRID, “deposit” that is identification information such as a two-dimensional code displayed on the terminal 120. An example of “identification information of”) is determined (step S6).

Subsequently, the server 110 stores the code ID, the user ID, and the received cash image in the deposit information storage unit 3151 in association with the deposit ID (step S7). In addition, when the server 110 also receives the amount of money approved by the user from the terminal 120, the server 110 also stores the amount of money approved by the user in the deposit information storage unit 3151.

(Payment information storage unit 3151)
In the example of FIG. 5, the deposit information storage unit 3151 stores a code ID, a user ID, a store ID, a deposit amount, a deposit date and time, and a cash image in association with the deposit ID. The user ID is the user ID of the user of the depositing terminal 120. The store ID is the store ID of the POS terminal 140 that has received the deposit. The date and time of deposit is the date and time of deposit. The deposit date and time may be, for example, the date and time when a deposit request, which will be described later, is received.

Then, the server 110 transmits the determined code ID to the terminal 120 (step S8).

Subsequently, the terminal 120 displays the two-dimensional code or the like based on the received code ID and the recognized amount of money on the screen (step S9). Here, the terminal 120 displays the code display screen 621 of FIG. 6C. In the example of FIG. 6C, the terminal 120 displays a message 622 including the recognized amount of money and a two-dimensional code 623.

Here, the clerk or the like receives the cash from the user of the terminal 120 and confirms the amount of cash displayed on the terminal 120. Then, the store clerk or the like confirms that the received cash amount and the cash amount displayed on the terminal 120 match. If they do not match, the clerk or the like restarts the process from step S1.

Then, the POS terminal 140 receives an operation of inputting a deposit amount to be deposited in cash from a clerk or the like (step S10). Here, the POS terminal 140 may accept an operation of inputting a deposit amount by operating a ten key or the like. Alternatively, the POS terminal 140 may allow the clerk or the like to select the deposit amount once or more from one or more preset amounts. In this case, for example, three options of 1,000 yen, 5,000 yen, and 10,000 yen may be displayed, and the amount of money corresponding to the number of times each option is pressed may be input. For example, by pressing 1000 yen twice, the deposit amount of 2000 yen is input. Further, the POS terminal 140 may acquire the amount of money previously deposited by the user of the terminal 120 from the server 110 and set the acquired amount of money as a default value. As a result, the possibility that the deposit amount is erroneously input can be reduced.

Then, the POS terminal 140 receives an operation of photographing the two-dimensional code or the like displayed on the screen of the terminal 120 from a clerk or the like (step S11), and reads the code ID from the photographed two-dimensional code or the like (step S12). ).

Then, the POS terminal 140 transmits a deposit request including the store ID of the POS terminal 140, the input deposit amount, and the read code ID to the server 110 (step S13).

Subsequently, the server 110 stores the received deposit amount, the received store ID, and the deposit date and time in the deposit information storage unit 3151 in association with the deposit ID stored in association with the received code ID ( Step S14).

Subsequently, the server 110 recognizes the image stored in the deposit information storage unit 3151 in association with the deposit ID, and recognizes the amount of cash taken (step S15).

Subsequently, the server 110 determines whether or not the recognized amount of money matches the amount of money to be deposited, which is stored in the deposit information storage unit 3151 in association with the deposit ID (step S16).

If the amount of money recognized from the image does not match the input amount of deposit, the server 110 indicates that the amount of money recognized from the image, the amount of deposit, and that the amount of money recognized from the image does not match the amount of deposit (“ An example of “a message prompting confirmation of the deposit amount”) is transmitted to the POS terminals 140 and 120 to be displayed. Accordingly, when there is a possibility that the cash amount received by the clerk or the like does not match the deposit amount, the clerk or the like can be notified of the warning. In this case, the POS terminal 140 displays the warning screen 631 of FIG. 6D, for example. In the example of FIG. 6D, the POS terminal 140, the amount 632 recognized from the image, the deposit amount 633, a message 634 indicating that the amount recognized from the image and the deposit amount do not match, a “deposit cancellation” button 635, “payment completed” The “button 636” and the “display image” button 637 are displayed. When the “display image” button 637 is pressed, the POS terminal 140 transmits an image acquisition request including the read code ID to the server 110, and associates the code ID with the deposit information storage unit 3151 of the server 110. Acquire and display the stored cash image. Thereby, the clerk and the like and the user can confirm the image of cash used for recognition.

If the "payment cancellation" button 635 is pressed, the processing up to this point is canceled and the processing returns to step S1. When the “payment completed” button 636 is pressed, the following processing is continued in the same manner as when the amount of money recognized from the image matches the input amount of money to be deposited.

In addition, when the server 110 receives the information of the amount of money approved by the user from the terminal 120 by the process of step S4, the amount of money recognized by the process of step S15 and the amount of money approved by the user in step S16. It may also be determined whether and match. If they do not match, the server 110 may send a message indicating that the amount approved by the user does not match the recognized amount to the POS terminal 140 and the terminal 120 to display the message. Thereby, for example, when the image recognition result at the terminal 120 and the amount approved by the user may be incorrect, a warning can be notified.

Further, when the server 110 receives the information of the amount approved by the user from the terminal 120 by the process of step S4, the deposit amount received from the POS terminal 140 and the amount approved by the user in step S16. It may also be determined whether and match. If they do not match, the server 110 may send a message indicating that the amount of money approved by the user does not match the amount of money entered by the store clerk to the POS terminal 140 and the terminal 120 for display. Good.

In the following, a case will be described in which the amount of money recognized from the image matches the input amount of money to be deposited. The server 110 adds the deposit amount to the balance of the user of the terminal 120 in the user information storage unit 3152 (step S17).

Subsequently, the server 110 subtracts the deposit amount (withdrawal, remittance) from the balance of the business operator of the store of the POS terminal 140 in the business information storage unit 3153 (step S18).

Subsequently, the server 110 transmits a payment completion notification to the POS terminal 140 and the terminal 120 (steps S19-1 and S2). The deposit completion notification may include information such as a deposit ID, a user ID, a store ID, a deposit amount, and a deposit date and time for the deposit of this time stored in the deposit information storage unit 3151.

Subsequently, the terminal 120 and the POS terminal 140 display the received payment completion notification (steps S20-1 and S2).

In the example described above, the clerk or the like inputs the deposit amount in step S10. Instead of this, the customer user may input the deposit amount. In this case, the input of the deposit amount may be accepted and transmitted to the server 110 in step S4 and the like. Alternatively, the amount approved in step S4 may be transmitted to the server 110 as a deposit amount.

<<Process when depositing money by displaying a two-dimensional code on the POS terminal 140>>
An example of a process for displaying a two-dimensional code or the like on the POS terminal 140 according to the first embodiment and depositing money will be described with reference to FIG. 7. FIG. 7 is a diagram showing an example of a processing sequence in the case of displaying a two-dimensional code or the like on the POS terminal 140 according to the first embodiment and depositing money.

In the following, an example will be described in which a two-dimensional code or the like is displayed on the POS terminal 140 of the store, and the user's terminal 120 reads the two-dimensional code or the like to make a deposit. The following processing can be similarly performed even if the terminal 120 and the POS terminal 140 are replaced. For example, the process of capturing an image or the process of inputting the deposit amount may be performed by either the terminal 120 or the POS terminal 140.

The server 110, the terminal 120, and the POS terminal 140 have, for example, a function of performing both the sequence of FIG. 4 and the sequence of FIG. 7, and the deposit can be made according to the sequence designated by the operation of the user or the like. You may do it.

In step S101, the terminal 120 activates the deposit function and shoots the cash to be deposited by the camera in response to the user's operation. Then, the terminal 120 recognizes the captured cash image and recognizes the captured cash amount (step S102). Then, the terminal 120 displays the recognized amount on the screen (step S103). Then, the terminal 120 receives the amount approval operation from the user (step S104). The processes of steps S101 to S104 may be the same as the processes of steps S1 to S4 of FIG. 4, respectively.

The clerk receives the cash from the user of the terminal 120 and confirms the amount of cash displayed on the terminal 120. Then, the store clerk or the like confirms that the received cash amount and the cash amount displayed on the terminal 120 match. If they do not match, the clerk or the like restarts the process from step S101.

Subsequently, the POS terminal 140 receives an operation of inputting a deposit amount to be deposited in cash from a clerk or the like (step S105).

Then, the POS terminal 140 transmits a code acquisition request including the store ID of the POS terminal 140 and the input deposit amount to the server 110 (step S106).

Subsequently, the server 110 determines a deposit ID, which is information for identifying deposit, and a code ID (QRID), which is identification information such as a two-dimensional code displayed on the POS terminal 140 (step S107).

Subsequently, the server 110 stores the determined code ID, the received store ID, and the received amount of money received in the money deposit information storage unit 3151 in association with the money deposit ID (step S108).

Then, the server 110 transmits the determined code ID to the POS terminal 140 (step S109).

Then, the POS terminal 140 displays the two-dimensional code or the like based on the received code ID and the input deposit amount on the screen (step S110).

Subsequently, the terminal 120 receives an operation of photographing the two-dimensional code or the like displayed on the screen of the POS terminal 140 from the user (step S111), and reads the code ID from the photographed two-dimensional code or the like (step S112). ..

Then, the terminal 120 transmits a deposit request including the user ID of the user of the terminal 120, a cash image, and the read code ID to the server 110 (step S113).

Subsequently, the server 110 causes the deposit information storage unit 3151 to store the received user ID, the received cash image, and the deposit date and time in association with the deposit ID stored in association with the received code ID. (Step S114).

Subsequently, the server 110 recognizes the image stored in the deposit information storage unit 3151 in association with the deposit ID, and recognizes the amount of cash taken (step S115). Subsequently, the server 110 determines whether or not the recognized amount of money and the amount of money to be deposited, which is stored in the deposit information storage unit 3151 in association with the deposit ID, match (step S116).

Subsequently, the server 110 adds the deposit amount to the balance of the user of the terminal 120 in the user information storage unit 3152 (step S117). Subsequently, the server 110 subtracts the deposit amount (withdrawal, remittance) from the balance of the company of the store of the POS terminal 140 in the company information storage unit 3153 (step S118). Subsequently, the server 110 transmits a payment completion notification to the POS terminal 140 and the terminal 120 (steps S119-1 and S2). Then, the terminal 120 and the POS terminal 140 display the received payment completion notification (steps S120-1 and S2). The processes of steps S115 to S120 may be the same as the processes of steps S15 to S20 of FIG.

In the example described above, the clerk or the like inputs the deposit amount in step S105. Instead of this, the customer user may input the deposit amount. In this case, the input of the deposit amount may be accepted and transmitted to the server 110 in step S104 and the like. Alternatively, the amount approved in step S104 may be transmitted to the server 110 as the deposit amount.

In addition, although the example in which the two-dimensional code or the like is used has been described with reference to FIGS. 4 and 7 described above, the deposit may be performed using short-range wireless communication such as NFC instead. In this case, for example, one of the terminal 120 and the POS terminal 140 acquires a payment ID instead of the code ID from the server 110, and notifies the other of the acquired payment ID using short-range wireless communication. You can

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

<<First Example>>
The first example is an example in which an image of cash is captured by the POS terminal 140. According to the first embodiment, for example, when a user hands over cash at a store and deposits money in the user's account, it is possible to appropriately perform deposit.

<<Processing of First Example>>
In the processing of FIGS. 4 and 7, the cash image may be captured by the POS terminal 140 instead of or in addition to the cash image captured by the terminal 120. In this case, for example, the POS terminal 140 captures an image of cash by performing the same processing from step S1 to step S4 in FIG. Then, in the process of step S13 of FIG. 4, in addition to the store ID of the POS terminal 140, the input deposit amount, and the read code ID, a deposit request including cash image information is transmitted to the server 110. Alternatively, in the process of step S106 of FIG. 7, in addition to the store ID of the POS terminal 140 and the input deposit amount, a code acquisition request including cash image information is transmitted to the server 110.

When the cash image is captured by both the terminal 120 and the POS terminal 140, the server 110 stores the cash image captured by the terminal 120 and the cash image captured by the POS terminal 140 in the deposit information storage unit 3151. Both may be stored separately.

<<Second Example>>
The second embodiment is an embodiment in which a cash image uploaded to the server 110 at the time of deposit is used to correct the difference between the deposit amount and the cash amount actually delivered. According to the second embodiment, for example, when the amount of money deposited in the balance of the user and the amount of cash transferred from the user to the store clerk do not match, it is possible to properly perform the deposit. ..

<<Processing of Second Embodiment>>
An example of the deposit amount correction processing according to the first embodiment will be described with reference to FIG. 8. FIG. 8 is a diagram showing an example of a sequence of a deposit amount correction process according to the first embodiment. The following processing can be similarly performed even if the terminal 120 and the POS terminal 140 are replaced.

In step S201, the POS terminal 140 receives an operation of displaying a deposit history from a clerk or the like.

Then, the POS terminal 140 transmits a deposit history acquisition request including the store ID to the server 110 (step S202).

Subsequently, the server 110 refers to the deposit information storage unit 3151 and transmits each deposit information stored in association with the received store ID to the POS terminal 140 (step S203). Here, each deposit information may include a deposit ID, a user ID, a deposit amount, a deposit date and time, cash image information, and the like.

Then, the POS terminal 140 displays each received deposit information (step S204). Here, the store clerk or the like checks the deposit amount and the cash image included in each deposit information, and finds deposit information in which the deposit amount and the cash amount actually passed do not match.

Then, the POS terminal 140 receives a correction operation that specifies the deposit information and the corrected deposit amount (correct deposit amount) from the clerk or the like (step S205).

Then, the POS terminal 140 transmits a correction request including the deposit ID included in the deposit information specified by the clerk or the like and the information of the corrected deposit amount to the server 110 (step S206).

Subsequently, the server 110 determines whether or not the correction is possible (step S207). Here, the server 110 displays, for example, a cash image associated with the received deposit ID and the received corrected deposit amount on the device of the administrator of the server 110, and an approval operation is performed by the administrator. Alternatively, the acceptability of the non-approval operation may be used to determine whether the correction is possible. Alternatively, the server 110 recognizes from the cash image associated with the received deposit ID, the amount of cash shown in the image by AI, and recognizes the amount and the received corrected amount of deposit. May be determined to be correctable, and if not to be determined to be uncorrectable.

When it is determined that the correction is impossible, the server 110 notifies the POS terminal 140 of that fact and ends the process. When it is determined that the payment is correctable, the server 110 causes the user information storage unit 3152 to correct the deposit amount corrected in the balance of the user of the terminal 120 and the deposit amount associated with the deposit ID in the deposit information storage unit 3151. The difference from (the deposit amount that has been deposited) is added (step S208). Here, for example, when the corrected deposit amount is 1000 yen and the stored deposit amount is 2000 yen, the difference of -1000 yen (=1000 yen-2000 yen) is added. That is, 1000 yen is subtracted.

Subsequently, the server 110 subtracts (withdraws or transfers) the difference from the balance of the business operator of the store of the POS terminal 140 in the business information storage unit 3153 (step S209).

If the server 110 determines in step S207 that the correction is possible, the server 110 transmits a notification including the corrected deposit amount received from the POS terminal 140, the deposit amount subjected to the deposit process, and the image to the terminal 120. The processing of steps S208 and S209 may be performed when an approval operation is performed by the user of the terminal 120.

<Second Embodiment>
The second embodiment of the present disclosure is an embodiment in which the balance of the payment service A of the store is transferred to the balance of the payment service B of the user.

According to the second embodiment, for example, even when the user and the shop have different accounts for the payment service, the payment can be made at the shop. Further, for example, as a result, the load on the terminal 120 or the server 110 and the load on the network 130 between the terminal 120 and the server 110 can be reduced. The process of the second embodiment can be executed in combination with the process of the first embodiment.

<Functional configuration of the second embodiment>
The functional configurations of the server 110, the terminal 120, and the POS terminal 140 according to the second embodiment will be described with reference to FIG. 9. FIG. 9 is a diagram showing an example of a block diagram showing a functional configuration of the server 110, the terminal 120, and the POS terminal 140 according to the second embodiment.

In the second embodiment, the server 110A provides the settlement service A of the business operator A, and the server 110B provides the settlement service B of the business operator B. The business operator A and the business operator B have a tie-up regarding acceptance of payment from a customer, and the POS terminal 140 of a store contracting with the business operator A accepts payment from a user who has an account of the settlement service B.

The second embodiment is different from the first embodiment in that the server 110A and the server 110B respectively provide different payment services. The functional configurations of the server 110A and the server 110B are the same as those of the server 110 according to the first embodiment.

The server 110A has a reception unit 311A, a transmission/reception unit 312A, a control unit 313A, a display control unit 314A, and a storage unit 315A. The storage unit 315A includes a deposit information storage unit 3151A that stores deposit information, a user information storage unit 3152A that stores user information, a company information storage unit 3153A that stores information on a company such as a store.

The server 110B has a reception unit 311B, a transmission/reception unit 312B, a control unit 313B, a display control unit 314B, and a storage unit 315B. The storage unit 315B includes a deposit information storage unit 3151B that stores deposit information, a user information storage unit 3152B that stores user information, and a company information storage unit 3153B that stores information on a company such as a store.

<Process of Second Embodiment>
<<Processing when depositing money by displaying a two-dimensional code on the terminal 120>>
With reference to FIG. 10, an example of a process of displaying a two-dimensional code or the like on the terminal 120 according to the first embodiment and depositing the balance of the payment service A of the store to the balance of the payment service B of the user will be described. To do. FIG. 10 is a diagram showing an example of a processing sequence in the case of displaying a two-dimensional code or the like on the terminal 120 according to the second embodiment and depositing money.

In step S1001, the terminal 120 transmits a code acquisition request including the user ID to the server 110B in response to the user's operation. Note that this processing may be the same as the processing from step S1 to step S5 in FIG.

Subsequently, the server 110B determines a deposit ID, which is information for identifying deposit, and a code ID, which is identification information such as a two-dimensional code displayed on the terminal 120 (step S1002).

Subsequently, the server 110B stores the code ID and the user ID in the deposit information storage unit 3151A in association with the deposit ID (step S1003). When the cash image is also received by the process of step S1001, the cash image is also stored in association with the deposit ID.

Subsequently, the server 110B transmits the determined code ID to the terminal 120 (step S1004). Then, the terminal 120 displays a two-dimensional code or the like based on the received code ID on the screen (step S1005). Subsequently, the POS terminal 140 receives an operation of inputting a deposit amount to be deposited in cash from a clerk or the like (step S1006).

Subsequently, the POS terminal 140 receives an operation of photographing the two-dimensional code or the like displayed on the screen of the terminal 120 from the clerk or the like (step S1007), and reads the code ID from the photographed two-dimensional code or the like (step S1008). ).

Note that the processes of steps S1002 to S1008 may be the same as the processes of steps S6 to S12 of FIG. 4, respectively.

Then, the POS terminal 140 transmits a deposit request including the store ID of the POS terminal 140, the input deposit amount, and the read code ID to the server 110A (step S1009).

Subsequently, the server 110A causes the deposit information storage unit 3151B to store the received deposit amount, the received store ID, and the like in association with the received code ID (step S1010).

Subsequently, the server 110A refers to the business entity information storage unit 3153 and determines whether or not the deposit amount can be remitted from the balance of the business entity of the store of the POS terminal 140 (step S1011). If the remittance is not possible, the server 110A sends a message to that effect to the POS terminal 140 to display it and stop the deposit. If the money can be transferred, the server 110A performs the following process. It should be noted that the server 110 may set, in the company information storage unit 3153, an amount corresponding to the amount of money to be deposited out of the balance of the company of the store of the POS terminal 140 in a hold state so that withdrawal or the like cannot be performed. ..

Subsequently, the server 110A transmits a deposit request including the deposit amount, the code ID, and the ID of the server 110A to the server 110B (step S1012). Here, the server 110A may specify the server 110B that issued the code ID to the terminal 120 based on the code ID received from the POS terminal 140, for example. In this case, the server 110A may determine that the code ID is issued by the server 110B, for example, when the code ID includes a string of predetermined numbers or characters. Thereby, for example, the clerk or the like can accept the deposit to the customer by performing the same operation regardless of whether the customer's account is the settlement service A or the settlement service B.

In step S1012, instead of the server 110A, the POS terminal 140 may transmit a deposit request including the deposit amount, the code ID, and the ID of the server 110A to the server 110B. In this case, the POS terminal 140 identifies the server 110B that issued the code ID to the terminal 120 based on the code ID, and receives the deposit approval response to the deposit request transmitted in step S1009 from the server 110A, the deposit amount, A deposit request including the code ID and the ID of the server 110A may be transmitted to the server 110B. In this case, the POS terminal 140 installs the application downloaded from the server 110A in advance. Then, the application may communicate with the server 110B using an API (Application Programming Interface) included in an SDK (Software Development Kit) distributed by the business operator of the server 110B.

Subsequently, the server 110B transmits a deposit approval response including the code ID to the server 110A (step S1013). Here, the server 110B may recognize the amount of cash on the basis of the received cash image, and when the recognized amount of money and the amount of deposit match, a deposit approval response may be transmitted to the server 110A. If the recognized amount of money does not match the amount of deposit, the server 110B may send a response to that effect to the terminal 120 and the server 110A to stop the deposit. Further, the server 110B may check the account status of the user of the terminal 120, and if the account status is normal, the server 110B may send a deposit approval response to the server 110A. Further, if the account status is locked due to the server 110B detecting an illegal deposit that is suspected of money laundering, for example, a response indicating that is sent to the terminal 120 and the server 110A, and the deposit is made. May be stopped.

Subsequently, the server 110A subtracts the deposit amount (withdrawal, remittance) from the balance of the business operator of the store of the POS terminal 140 in the business information storage unit 3153A (step S1014).

Subsequently, the server 110A sends the electronic value information for the deposit amount to the server 110B (step S1015). In addition, the server 110A may collect a fee for deposit from the operator of the server 110B. Accordingly, the business operator B of the server 110B can make a payment at a store that contracts with the business operator A of the server 110A without paying a fee to pay for the contract.

Subsequently, the server 110A transmits a deposit completion notification to the POS terminal 140 (step S1016). Subsequently, the POS terminal 140 displays the received payment completion notification (step S1017).

Subsequently, the server 110B adds the deposit amount to the balance of the user of the terminal 120 in the user information storage unit 3152B (step S1018). The server 110B may give a predetermined privilege to the user according to the deposit amount. For example, if 10,000 yen is deposited at one time, points usable for payment of 100 yen may be given to the user.

Subsequently, the server 110B transmits a payment completion notification to the terminal 120 (step S1019). Subsequently, the terminal 120 displays the received payment completion notification (step S1020). Accordingly, for example, if the business operator of the store installs the application for the shop provided by the business operator A of the server 110A in the POS terminal 140 and registers the account in the payment service A of the server 110A, the payment service B It will be possible to accept payments from customers who use the.

In the example described above, an example in which the clerk or the like inputs the deposit amount in step S1006 has been described. Instead of this, the customer user may input the deposit amount. In this case, the input of the deposit amount may be accepted and transmitted to the server 110 in step S1001 or the like.

<<Process when depositing money by displaying a two-dimensional code on the POS terminal 140>>
With reference to FIG. 11, an example of a process of displaying a two-dimensional code or the like on the POS terminal 140 according to the second embodiment and depositing the balance of the payment service A of the store to the balance of the payment service B of the user explain. FIG. 11 is a diagram showing an example of a processing sequence in the case of displaying a two-dimensional code or the like on the POS terminal 140 according to the second embodiment and making a deposit.

In step S1101, the POS terminal 140 receives an operation of inputting a deposit amount to be deposited in cash from a clerk or the like. Then, the POS terminal 140 transmits a code acquisition request including the store ID of the POS terminal 140 and the input deposit amount to the server 110A (step S1102). Subsequently, the server 110A determines a deposit ID, which is information for identifying deposit, and a code ID (QRID), which is identification information such as a two-dimensional code displayed on the POS terminal 140 (step S1103). Subsequently, the server 110A stores the determined code ID, the received store ID, and the received deposit amount in the deposit information storage unit 3151A in association with the deposit ID (step S1104). Subsequently, the server 110A transmits the determined code ID to the POS terminal 140 (step S1105).

Then, the POS terminal 140 displays the two-dimensional code or the like based on the received code ID and the input deposit amount on the screen (step S1106). Subsequently, the terminal 120 accepts an operation of photographing the two-dimensional code or the like displayed on the screen of the POS terminal 140 from the user (step S1107), and reads the code ID from the photographed two-dimensional code or the like (step S1108). ..

The processes of steps S1101 to S1108 may be the same as the processes of steps S105 to S112 of FIG. 7, respectively. Further, each processing of step S101 to step S104 of FIG. 7 may be performed before the processing of step S1101.

Then, the terminal 120 transmits a deposit request including the user ID and the read code ID to the server 110B (step S1109). Here, the terminal 120 may also transmit the cash image to the server 110B.

Subsequently, the server 110B stores the received user ID and the like in the deposit information storage unit 3151B in association with the received code ID (step S1110). Here, the server 110B recognizes the captured amount of cash based on the received cash image, and when the recognized amount of money and the deposited amount of money match, even if a deposit request is transmitted to the server 110A. Good. If the recognized amount of money does not match the amount of deposit, the server 110B may send a response to that effect to the terminal 120 and the server 110A to stop the deposit. Further, the server 110B may check the account status of the user of the terminal 120, and if the account status is normal, the server 110B may send a deposit approval response to the server 110A. Further, if the account status is locked due to the server 110B detecting an illegal deposit that is suspected of money laundering, for example, a response indicating that is sent to the terminal 120 and the server 110A, and the deposit is made. May be stopped.

Subsequently, the server 110B transmits a deposit request including the code ID and the ID of the server 110B to the server 110A (step S1111). Here, the server 110B may specify the server 110A that issued the code ID to the POS terminal 140, for example, based on the code ID received from the terminal 120. In this case, the server 110B may determine that the code ID is issued by the server 110A, for example, when the code ID includes a string of predetermined numbers or characters. Thereby, for example, the clerk or the like can accept the deposit to the customer by performing the same operation regardless of whether the customer's account is the settlement service A or the settlement service B.

In step S1111, instead of the server 110B, the terminal 120 may transmit a deposit request including the code ID and the ID of the server 110B to the server 110A. In this case, the terminal 120 identifies the server 110A that issued the code ID to the POS terminal 140 based on the code ID, and when the deposit approval response to the deposit request transmitted in step S1109 is received from the server 110B, the code ID, A deposit request including the ID of the server 110B may be transmitted to the server 110A. In this case, the terminal 120 installs the application downloaded from the server 110B in advance. Then, the application may communicate with the server 110A by using the API included in the SDK distributed by the business operator of the server 110A.

Subsequently, the server 110A refers to the business entity information storage unit 3153 and determines whether or not the deposit amount can be remitted from the balance of the business entity of the store of the POS terminal 140 (step S1112). If the remittance is not possible, the server 110A returns a response to that effect to the server 110B to stop the deposit. If the money can be transferred, the server 110A performs the following process. It should be noted that the server 110 may set, in the company information storage unit 3153, an amount corresponding to the amount of money to be deposited out of the balance of the company of the store of the POS terminal 140 in a hold state so that withdrawal or the like cannot be performed. ..

Subsequently, the server 110A transmits a deposit approval response including the code ID to the server 110B (step S1113). Subsequently, the server 110A subtracts the deposit amount (withdrawal, remittance) from the balance of the company of the store of the POS terminal 140 in the company information storage unit 3153A (step S1114).

Subsequently, the server 110A sends the electronic value information for the deposit amount to the server 110B (step S1115). In addition, the server 110A may collect a fee for deposit from the operator of the server 110B. Accordingly, the business operator B of the server 110B can make a payment at a store that contracts with the business operator A of the server 110A without paying a fee to pay for the contract.

Subsequently, the server 110A transmits a deposit completion notification to the POS terminal 140 (step S1116). Then, the POS terminal 140 displays the received payment completion notification (step S1117). Subsequently, the server 110B adds the deposit amount to the balance of the user of the terminal 120 in the user information storage unit 3152B (step S1118). The server 110B may give a predetermined privilege to the user according to the deposit amount. For example, if 10,000 yen is deposited at one time, points usable for payment of 100 yen may be given to the user.

Subsequently, the server 110B transmits a payment completion notification to the terminal 120 (step S1119). Subsequently, the terminal 120 displays the received payment completion notification (step S1120). Accordingly, for example, if the business operator of the store installs the application for the shop provided by the business operator A of the server 110A in the POS terminal 140 and registers the account in the payment service A of the server 110A, the payment service B It will be possible to accept payments from customers who use the.

In the example described above, the clerk or the like inputs the deposit amount in step S1101. Instead of this, the customer user may input the deposit amount. In this case, the input of the deposit amount may be accepted and transmitted to the server 110 in step S1109 and the like.

<<Third Example>>
The third example is an example in which, in the second embodiment, the settlement service that issued the two-dimensional code is specified based on an image (logo, illustration) other than the two-dimensional code. According to the third embodiment, for example, even in the case of the code ID system in which the payment service cannot be specified, the payment service that issued the two-dimensional code or the like can be specified. The process of the third example can be executed in combination with the processes of the above-described embodiments and examples.

<<Processing of Third Embodiment>>
When performing the process of FIG. 10 for displaying a two-dimensional code or the like on the terminal 120 and depositing the money, the POS terminal 140 further displays a logo or an illustration (hereinafter referred to as “logo or the like”) in a central portion in step S1008, for example. .) is set and the logo or the like of the two-dimensional code (design QR code) is recognized, and the operator who issued the two-dimensional code is identified. Then, in step S1009, the information of the identified business operator is included in the deposit request and transmitted to the server 110A. Then, in step S1012, server 110A specifies server 110B that issued the code ID to terminal 120 based on the information on the business operator received from POS terminal 140, and sends a deposit request to server 110B.

When performing the process of FIG. 11 in which the two-dimensional code is displayed on the POS terminal 140 and the deposit is performed, similarly, in step S1108, the POS terminal 140 recognizes the logo and the like and identifies the operator who issued the two-dimensional code. Identify. Then, in step S1109, the information of the identified business operator is included in the deposit request and transmitted to the server 110A. Then, in step S1111, the server 110A identifies the server 110B that issued the code ID to the terminal 120 based on the information of the business operator received from the POS terminal 140, and sends a deposit request to the server 110B.

The logo or the like may be recognized by the server 110A. In this case, the POS terminal 140 sends the captured image of the two-dimensional code or the like to the server 110A, and the server 110A recognizes the logo or the like of the received image and identifies the business operator who issued the two-dimensional code. You can

Regarding the above description, the following items will be further disclosed.
(Appendix 1)
In the information processing terminal,
A process of capturing an image of the cash, which is cash transferred from the user to the store, and has the amount of money deposited from the store in the balance of the user in the settlement service provided by the information processing device;
A program that causes at least one of the identification information of the user and the identification information of the business operator of the store and a process of transmitting the captured image of the cash to the information processing device.
(Appendix 2)
In the information processing terminal,
A process of causing the cash amount to be recognized based on the captured cash image and displaying the recognized cash amount, and
When the operation of approving the recognized amount of cash is accepted, the process of transmitting transmits the image of cash to the information processing device,
The program described in Appendix 1.
(Appendix 3)
The process of transmitting is
When accepting an operation to approve the recognized amount of cash, the information of the recognized amount of cash is transmitted to the information processing device,
The program described in Appendix 2.
(Appendix 4)
The photographing process is performed by photographing the first image and the second image in which the cash is photographed,
In the displaying process, when the second amount of money recognized based on the second image is higher than the first amount of money recognized based on the first image, the second amount of money is displayed.
The program according to attachment 2 or 3.
(Appendix 5)
The photographing process is performed by photographing the first image and the second image in which the cash is photographed,
In the transmitting process, when the first amount of money recognized based on the first image and the second amount of money recognized based on the second image are the same,
Each reliability for at least one of one or more banknotes and coins recognized by machine learning based on the first image, and at least one of one or more banknotes and coins recognized by machine learning based on the second image. Transmitting an image selected from the first image and the second image based on each reliability to the information processing device,
5. The program according to any one of appendices 2 to 4.
(Appendix 6)
In the information processing terminal,
If the amount of money recognized by the information processing device based on the cash image transmitted to the information processing device is different from the deposit amount transmitted to the information processing device, a message prompting confirmation of the deposit amount is displayed. Further execute processing received from the information processing device,
6. The program according to any one of appendices 1 to 5.
(Appendix 7)
The information processing terminal is a first information processing terminal used by the user,
The first information processing terminal,
Executing a process of receiving the identification information of the deposit from the information processing device and inputting the identification information of the deposit to a second information processing terminal used by the business operator of the store;
7. The program according to any one of appendices 1 to 6.
(Appendix 8)
The information processing terminal is a second information processing terminal used by the business operator of the store,
The second information processing terminal,
Executing a process of receiving the identification information of the deposit from the information processing device and causing the first information processing terminal used by the user to input the identification information of the deposit;
7. The program according to any one of appendices 1 to 6.
(Appendix 9)
A control unit that captures an image of the cash of the amount of money to be paid from the store to the balance of the user in the settlement service provided by the information processing device, the cash being passed from the user to the store,
At least one of the identification information of the user and the identification information of the business operator of the store, and a captured image of the cash, a transmission unit that transmits to the information processing device,
Information processing terminal having.
(Appendix 10)
The information processing terminal
A process of capturing an image of the cash of the amount of money to be paid from the store to the balance of the user in the settlement service provided by the information processing device, which is cash passed from the user to the store;
At least one of the identification information of the user and the identification information of the business operator of the store, and a process of transmitting the captured image of the cash to the information processing device,
Information processing method for executing.
(Appendix 11)
An information processing device that provides a payment service
An image of cash transferred from the user to the store, in which the cash of the amount of money to be deposited from the store in the balance of the user is photographed, identification information of the user, and identification information of a business operator of the store. The process of receiving,
A process of storing the received cash image in association with identification information of the user and identification information of a business operator of the store;
An information processing method for executing a deposit process of adding the cash amount to the balance of the user and subtracting the cash amount from the balance of the store operator.
(Appendix 12)
The receiving process further includes receiving the deposit amount input to the information processing terminal from the information processing terminal,
The information processing device is
If the amount recognized based on the cash image and the received deposit amount are different, a process of transmitting a message prompting confirmation of the deposit amount to the information processing terminal is executed,
The information processing method according to attachment 11.
(Appendix 13)
An information processing device that provides a payment service,
An image of cash transferred from the user to the store, in which the cash of the amount of money to be deposited from the store in the balance of the user is photographed, identification information of the user, and identification information of a business operator of the store. A receiving unit for receiving,
The received cash image is stored in association with the identification information of the user and the identification information of the business operator of the store,
An information processing apparatus, comprising: a control unit that adds the cash amount to the user balance and subtracts the cash amount from the store operator balance.
(Appendix 14)
Information processing devices that provide payment services,
An image of cash transferred from the user to the store, in which the cash of the amount of money to be deposited from the store in the balance of the user is photographed, identification information of the user, and identification information of a business operator of the store. The process of receiving,
A process of storing the received cash image in association with identification information of the user and identification information of a business operator of the store;
A program for executing a deposit process of adding the amount of cash to the balance of the user and subtracting the amount of cash from the balance of the business operator of the store.
(Appendix 15)
The first information processing device is
The second information processing device is specified based on the identification information of the deposit in the first settlement service in which the user who delivers cash in the store has an account, or the identification information of the deposit in the second settlement service in which the business operator of the store has an account. Processing to
An information processing method for executing a process of transmitting information for depositing money to the identified second information processing device.
(Appendix 16)
The process of transmitting is
When it is possible to transfer the amount of cash passed from the user from the account of the business operator of the store, the second information processing apparatus that provides the first settlement service is transmitted with information for performing the deposit.
The information processing method according to attachment 15.
(Appendix 17)
The specified process is
Based on the information read from the image of the two-dimensional code indicating the identification information of the deposit, the second information processing device that issued the identification information of the deposit is specified.
The information processing method according to attachment 15 or 16.
(Appendix 18)
The specified process is
Based on the logo or illustration set in the center of the two-dimensional code indicating the identification information of deposit, the second information processing device that issued the identification information of the deposit is specified.
18. The information processing method according to any one of appendices 15 to 17.
(Appendix 19)
The first information processing device further includes
If the amount of money recognized based on the captured image of the cash and the amount of deposit specified by the user or the store clerk do not match, a process of stopping the deposit is executed,
19. The information processing method according to any one of appendices 15 to 18.
(Appendix 20)
The first information processing device further includes
When payment is possible to the user in the first payment service, the business operator of the store in the second payment service executes a process of transferring money from the balance to the balance of the user in the first payment service,
20. The information processing method according to any one of appendices 15 to 19.
(Appendix 21)
The other information processing device is specified based on the identification information of the deposit in the first settlement service in which the user who delivers cash in the store has an account, or the identification information of the deposit in the second settlement service in which the business operator of the store has an account. Control unit to
An information processing apparatus comprising: a transmitting unit that transmits information for causing the specified information processing apparatus to perform the deposit.
(Appendix 22)
In the first information processing device,
The second information processing device is specified based on the identification information of the deposit in the first settlement service in which the user who delivers cash in the store has an account, or the identification information of the deposit in the second settlement service in which the business operator of the store has an account. Processing to
A program that causes the specified second information processing apparatus to execute a process of transmitting information for causing the deposit.

100 communication system 110 server 311 reception unit 312 transmission/reception unit 313 control unit 314 display control unit 315 storage unit 3151 deposit information storage unit 3152 user information storage unit 3153 business operator information storage unit 120 terminal 321 reception unit 322 transmission/reception unit 323 control unit 324 display Control unit 325 storage unit

Claims (14)

In the information processing terminal,
A process of capturing an image of the cash of the amount of money to be paid from the store to the balance of the user in the settlement service provided by the information processing device, which is cash passed from the user to the store;
A program for executing a process of transmitting at least one of the identification information of the user and the identification information of the business operator of the store and the captured image of the cash to the information processing device. In the information processing terminal,
A process of causing the cash amount to be recognized based on the captured cash image and displaying the recognized cash amount, and
When the operation of approving the recognized amount of cash is accepted, the process of transmitting transmits the image of cash to the information processing device,
The program according to claim 1. The process of transmitting is
When accepting an operation to approve the recognized amount of cash, the information of the recognized amount of cash is transmitted to the information processing device,
The program according to claim 2. The photographing process is performed by photographing the first image and the second image in which the cash is photographed,
In the displaying process, when the second amount of money recognized based on the second image is higher than the first amount of money recognized based on the first image, the second amount of money is displayed.
The program according to claim 2 or 3. The photographing process is performed by photographing the first image and the second image in which the cash is photographed,
In the transmitting process, when the first amount of money recognized based on the first image and the second amount of money recognized based on the second image are the same,
Each reliability for at least one of one or more banknotes and coins recognized by machine learning based on the first image, and at least one of one or more banknotes and coins recognized by machine learning based on the second image. Transmitting an image selected from the first image and the second image based on each reliability to the information processing device,
The program according to any one of claims 2 to 4. In the information processing terminal,
If the amount of money recognized by the information processing device based on the cash image transmitted to the information processing device is different from the deposit amount transmitted to the information processing device, a message prompting confirmation of the deposit amount is displayed. Further execute processing received from the information processing device,
The program according to any one of claims 1 to 5. The information processing terminal is a first information processing terminal used by the user,
The first information processing terminal,
Executing a process of receiving the identification information of the deposit from the information processing device and inputting the identification information of the deposit to a second information processing terminal used by the business operator of the store;
The program according to any one of claims 1 to 6. The information processing terminal is a second information processing terminal used by the business operator of the store,
The second information processing terminal,
Executing a process of receiving the identification information of the deposit from the information processing device and causing the first information processing terminal used by the user to input the identification information of the deposit;
The program according to any one of claims 1 to 6. A control unit that captures an image of the cash of the amount of money to be paid from the store to the balance of the user in the settlement service provided by the information processing device, the cash being passed from the user to the store,
At least one of the identification information of the user and the identification information of the business operator of the store, and a captured image of the cash, a transmission unit that transmits to the information processing device,
Information processing terminal having. The information processing terminal
A process of capturing an image of the cash of the amount of money to be paid from the store to the balance of the user in the settlement service provided by the information processing device, which is cash passed from the user to the store;
At least one of the identification information of the user and the identification information of the business operator of the store, and a process of transmitting the captured image of the cash to the information processing device,
Information processing method for executing. An information processing device that provides a payment service
An image of cash transferred from the user to the store, in which the cash of the amount of money to be deposited from the store in the balance of the user is photographed, identification information of the user, and identification information of a business operator of the store. The process of receiving,
A process of storing the received cash image in association with identification information of the user and identification information of a business operator of the store;
An information processing method for executing a deposit process of adding the cash amount to the balance of the user and subtracting the cash amount from the balance of the store operator. The receiving process further includes receiving the deposit amount input to the information processing terminal from the information processing terminal,
The information processing device is
If the amount recognized based on the cash image and the received deposit amount are different, a process of transmitting a message prompting confirmation of the deposit amount to the information processing terminal is executed,
The information processing method according to claim 11. An information processing device that provides a payment service,
An image of cash transferred from the user to the store, in which the cash of the amount of money to be deposited from the store in the balance of the user is photographed, identification information of the user, and identification information of a business operator of the store. A receiving unit for receiving,
The received cash image is stored in association with the identification information of the user and the identification information of the business operator of the store,
An information processing apparatus, comprising: a control unit that adds the cash amount to the user balance and subtracts the cash amount from the store operator balance. Information processing devices that provide payment services,
An image of cash transferred from the user to the store, in which the cash of the amount of money to be deposited from the store in the balance of the user is photographed, identification information of the user, and identification information of a business operator of the store. The process of receiving,
A process of storing the received cash image in association with identification information of the user and identification information of a business operator of the store;
A program for executing a deposit process of adding the cash amount to the balance of the user and subtracting the cash amount from the balance of the store operator.

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