JP2020154916A - Terminal device, server device, information processing method and program - Google Patents

Abstract

To provide a terminal device, server device information processing device and program that prevent a payment to an unauthorized payment destination due to a falsification of a code.SOLUTION: In an information system, a terminal device comprises: a code reading unit that reads codes; a settlement information extraction unit that extracts settlement information on settlement from the code the code reading unit reads; a payment destination first information transmission unit that transmits payment destination first information, which is information included in the settlement information and is at least one part of payment destination information on a payment destination upon the settlement, to a server device; a payment destination second information reception unit that receives payment destination second information associated with the payment destination first information from the server device; and a payment destination second relevant information output unit that outputs payment destination second relevant information relating to the payment destination second information. Thanks to the terminal device, users or sales clerks recognize a falsification of the code on the basis of the output payment destination second relevant information.SELECTED DRAWING: Figure 1

Description

The present invention relates to a terminal device or the like that reads a code, extracts payment information from the code, and transmits the payment information to the server device.

Conventionally, when the billing amount is input and the two-dimensional code is displayed on the display on the vendor terminal, the two-dimensional code is photographed on the user's mobile terminal and the billing amount is displayed on the display, and the card designation information is approved. And the user identification ID is sent to the management company server, the management company server checks the security of the user's mobile terminal based on the user identification information, and then with the financial institution based on the card information acquired based on the card designation information. There was a settlement system that performs settlement procedures (see, for example, Patent Document 1).

International Publication WO2017 / 029824 Gazette

In recent years, a case has occurred in which a legitimate QR code (registered trademark: the same applies hereinafter) is replaced with a fake QR code by a criminal group and the price is transferred to the criminal group's account.

Even in the conventional payment system as described above, there is a possibility that the code read by the terminal device is replaced and payment is made to a fraudulent payee different from the original payee.

In the following, the replacement is usually to change the code to be read to another code, but for example, a change may be made to a part or all of the code (so-called tampering). The replacement may be in any mode as long as at least a part of the code to be read changes as a result.

The terminal device of the first invention is a code reading unit that reads a code, a payment information extraction unit that extracts payment information related to payment from the code read by the code reading unit, and information included in the payment information, which is information in payment. The payee first information transmitter that sends the payee first information, which is at least a part of the payee information about the payee, to the server device, and the payee second information corresponding to the payee first information from the server device. It is a terminal device including a payee second information receiving unit for receiving and a payee second related information output unit for outputting payee second related information related to the payee second information.

With such a configuration, the user or the clerk can prevent payment to an unauthorized payee due to the code replacement by recognizing that the code has been replaced based on the output payee second related information.

Further, the terminal device of the second invention receives a settlement instruction which is a settlement instruction after the payee second related information output unit outputs the payee second information for the first invention. It is a terminal device further including a reception unit and a payment information transmission unit that transmits payment information only when the payment instruction reception unit receives a payment instruction.

With such a configuration, the user or the clerk can safely make a payment by issuing a payment instruction after confirming that the code has not been replaced.

In the second invention, the payment information is transmitted to, for example, a server device, but may be transmitted to an external device.

Further, in the terminal device of the third invention, with respect to the first or second invention, the payee first information is the first part of the payee information, and the payee second information is the payee information. It is a terminal device which is a second part other than the first part.

With this configuration, the first part of the payee information extracted from the code is transmitted to the server device, and the second part of the payee information is received from the server device, so that the user or the clerk pays the second part of the payee information. It can be recognized that the code has been replaced based on the second payee information included in the second related information.

In the third invention, the second part is information that can be recognized by the user of the terminal device, and the payee second related information may include the payee second information.

With such a configuration, the user or the clerk can recognize that the code has been replaced based on the payee second information included in the output payee second related information and the recognizable second part.

In the third or fourth invention, the terminal device further includes a determination unit for determining whether or not the second payee information matches the second part and obtains the determination result, and the second payee The related information may include a judgment result.

With this configuration, even if the second part is information that the user does not recognize, the user or the clerk can replace the code based on the judgment result included in the output payee second related information. Can be recognized.

Further, in the terminal device of the fourth invention, for any one of the first to third inventions, the payee first information is the payee account number of the payee, and the payee second information is It is the name of the payee account holder of the payee, and the payee second related information is a terminal device including one or more information of the payee account holder name or the store name corresponding to the payee.

With such a configuration, the user or the clerk can easily recognize that the code has been replaced based on the payee account holder name or the store name included in the output payee second related information.

In particular, since the payee second related information includes the store name, the user or the clerk can easily recognize that the code has been replaced even if the payee account holder name is not recognized.

Further, the server device of the fifth invention has a payee correspondence information storage unit for storing payee correspondence information, which is a set of pairs of payee first information and payee second information, and first to fifth. (Iv) The payee first information receiving unit that receives the payee first information from the terminal device of any of the inventions, and the payee second information corresponding to the payee first information received by the payee first information receiving unit. It is provided with a payee second information acquisition unit that acquires the payee correspondence information storage unit and a payee second information transmission unit that transmits the payee second information acquired by the payee second information acquisition unit to the terminal device. It is a server device.

With such a configuration, the terminal device can output the payee second related information. Therefore, the user or the clerk can recognize that the code has been replaced based on the output payee second related information, and can prevent payment to an unauthorized payee due to the code replacement.

According to the present invention, it is possible to prevent payment to an unauthorized payee by replacing the code.

Block diagram of the information system in the embodiment Block diagram of the code generation server Block diagram of the store terminal Flow chart explaining the operation of the terminal device Flow chart explaining the operation of the server device Data structure diagram of the store information Data structure diagram of the same payee correspondence information The figure which shows an example of the screen including the same payee second related information Diagram showing an example of the internal configuration of the computer system

Hereinafter, embodiments of the terminal device and the like will be described with reference to the drawings. In the embodiment, the components with the same reference numerals perform the same operation, and thus the description may be omitted again.

FIG. 1 is a block diagram of an information system according to the present embodiment. This information system includes a code generation server 1, 1 or 2 or more store terminals 2, 1 or 2 or more terminal devices 3, and a server device 4.

The code generation server 1 is communicably connected to one or more store terminals 2 via a network such as a LAN or the Internet, a wireless or wired communication line, or the like. The server device 4 is communicably connected to one or more terminal devices 3 via a network, a communication line, or the like.

The code generation server 1 is a server that generates code. The code will be described later. The code generation server 1 is, for example, a server of an organization such as a company or an organization that operates an information system. Alternatively, the code generation server 1 may be, for example, a cloud server, an ASP server, or the like, regardless of its type or location.

The store terminal 2 is a store terminal. The store will be described later. The store terminal 2 is, for example, a cash register terminal installed at a cash register in a store. Alternatively, the store terminal 2 may be, for example, a mobile terminal of a store clerk or a stationary PC, regardless of the type. The mobile terminal is a portable terminal. The mobile terminal is, for example, a tablet terminal, a smartphone, a notebook PC, a mobile phone, or the like, but the type is not limited.

The store terminal 2 has an input device such as a keyboard or a touch panel, and accepts amount information. The amount information will be described later. The code generation server 1 generates a code in which payment information including the amount information is embedded in response to a request from the store terminal 2 that has received the amount information. The request and payment information will be described later. The store terminal 2 also has an output device such as a display or a printer, and outputs the code generated by the code generation server 1 via the output device.

The terminal device 3 in the present embodiment is usually a user terminal, and may be referred to as a user terminal 3 below. The user terminal 3 is a user's terminal. A user is a user of an information system and is usually a customer of a store. The user terminal 3 is usually a user's mobile terminal. When the user makes a purchase at the store, the amount information is input to the store terminal 2 by the clerk, and the code is output from the store terminal 2. The user pays the price by photographing the output code with the user terminal 3.

The user terminal 3 has a camera and reads the code with the camera. In the present embodiment, the code to be read is usually a code output from the store terminal 2. The code output from the store terminal 2 is usually a variable code. The code in this embodiment is usually a code that changes every time a payment is made. This kind of code may be called, for example, a one-time code. However, the code may be, for example, a code that changes regularly or irregularly.

Alternatively, the code is not limited to the dynamically changing code as described above, and may be, for example, a fixed code, regardless of the type. The fixed code is, for example, a code that is pre-printed on a surface such as paper or a panel or displayed on an electric bulletin board or the like. However, the fixed code may be excluded from the code in this embodiment.

Further, the user terminal 3 extracts payment information from the read code and transmits it to the server device 4.

The server device 4 in the present embodiment is usually a payment server, and may be referred to as a payment server 4 below. The payment server 4 is a server that performs payment. The payment server 4 is, for example, a server of a financial institution such as a bank or a credit card company. Alternatively, the payment server 4 may be a cloud server or the like, and its type and location do not matter. The payment server 4 receives payment information from the user terminal 3 and performs payment processing. The settlement process will be described later.

The payment server 4 also manages payee information, for example. The management of payee information includes, for example, storage of payee correspondence information, reception of payee first information, and transmission of payee second information. The payee information, payee correspondence information, payee first information, and payee second information will be described later.

The above configuration is an example and can be changed as appropriate. For example, the information system does not have a code generation server 1 or one or more store terminals 2, and the terminal device 3 may read a code pre-printed on a surface such as paper (modification example 1). Alternatively, the information system does not have a code generation server 1, and the store terminal 2 may output a fixed code (modification example 2).

Further, the server device 4 may be, for example, a management server. The management server is a server that manages payee information. In this case, the settlement process may be performed by an external device (not shown) (modification example 3).

Further, in the present embodiment, the user is a user of the terminal device 3 and is usually a customer of the store, but may be a clerk of the store. That is, the user can be considered to be the user of the store terminal 2. In this case, the customer's terminal device 3 may output the code, and the store clerk may read the code at the store terminal 2 (modification example 4).

In the present embodiment, the store is usually a real store, but may be a virtual store. In the latter case, the information system further includes, for example, a store server (not shown). Alternatively, such a store server may also have the function of the code generation server 1. The store terminal 2 may be, for example, a PC at the user's home (not shown), a television in a guest room of an accommodation facility, or a personal monitor (not shown) of a seat of an aircraft or the like. The code generated by the code generation server 1 or the store server is displayed on a PC, a television, a personal monitor, or the like, and the user may take a picture of the code on the user terminal 3 and make a payment.

FIG. 2 is a block diagram of the code generation server 1. The code generation server 1 includes a generation storage unit 11, a generation reception unit 12, a generation processing unit 13, and a generation transmission unit 14. The generation storage unit 11 includes a store information storage unit 111. The generation processing unit 13 includes a code generation unit 131. The generation transmission unit 14 includes a code transmission unit 141.

FIG. 3 is a block diagram of the store terminal 2. The store terminal 2 includes a store storage unit 21, a store reception unit 22, a store processing unit 23, a store transmission unit 24, a store reception unit 25, and a store output unit 26. The store receiving unit 25 includes a code receiving unit 251. The store output unit 26 includes a code output unit 261.

The block diagram of the user terminal 3 is included in FIG. The user terminal 3 includes a user storage unit 31, a user reception unit 32, a user processing unit 33, a user transmission unit 34, a user reception unit 35, and a user output unit 36. The user reception unit 32 includes a code reading unit 321 and a payment instruction reception unit 322. The user processing unit 33 includes a payment information extraction unit 331 and a determination unit 332. The user transmission unit 34 includes a payment information transmission unit 341 and a payee first information transmission unit 342. The user receiving unit 35 includes a payee second information receiving unit 351. The user output unit 36 includes a payee second related information output unit 361.

The block diagram of the payment server 4 is included in FIG. The payment server 4 includes a payment storage unit 41, a payment reception unit 42, a payment processing unit 43, and a payment transmission unit 44. The payment storage unit 41 includes a payee correspondence information storage unit 411. The payment receiving unit 42 includes a payee first information receiving unit 421. The settlement processing unit 43 includes a payee second information acquisition unit 431. The settlement transmission unit 44 includes a payee second information transmission unit 441.

The generation storage unit 11 constituting the code generation server 1 can store various types of information. The various types of information are, for example, store information described later.

One or more store information is stored in the store information storage unit 111. Store information is information about a store. A store is a place where you can purchase goods or services. The stores are, for example, various stores such as electric appliances stores and clothing stores, department stores, shopping malls, restaurants, etc., but the types are not limited.

The store in the present embodiment is, for example, a store that is a member of an organization that provides services using an information system, and may be called, for example, a member store. The store information includes, for example, a store identifier and payee information. The store identifier is information that identifies the store.

The store identifier is, for example, a member store number, a telephone number, an e-mail address, an ID, or the like, but any information that can identify the store may be used. The member store number is a number given to the member store. A store identifier such as a member store number is, for example, an array of one or two or more characters or symbols, but its expression format does not matter.

The payee information is information about the payee. The payee is the payee. The payee is, for example, the operating company or owner of the store, or the holding company of the operating company, but the type does not matter. Payments are usually made in currency. The currency is, for example, yen, but it may be a foreign currency such as a dollar, and its type does not matter. However, payment may be made with, for example, electronic money, points, virtual currency, etc. that can be used to purchase products, or may be issued, such as checks or bills.

The payee is, for example, an account opened at a financial institution by a store operating company or the like. The financial institution is, for example, a bank, but may be various unions, securities companies, etc., and any type of financial institution can be used as long as an account can be opened. The account is usually a currency account, but for example, an ID such as electronic money or points may be used, and the type may be used. However, the payee may be, for example, the store operating company itself.

The payee information has, for example, a payee account number and a payee account holder's name. The payee account number is the number of the account to be paid. The payee account holder's name is the name of the payee's account holder.

Alternatively, the payee information may be a store identifier. The store identifier may be a part of the payee information, and in that case, the payee information may have, for example, a payee account number, a payee account holder's name, and a store identifier. However, the data structure of the payee information does not matter.

The store information may also have a store name, for example, and its data structure does not matter. The store name is the name of the store. The store name may be, for example, the name of one store for which the user is paying, or may be a general term for two or more stores including the one store. The former store name is, for example, "○○ department store main store", "○○ department store Osaka store", or the like. The latter store name is, for example, "○○ department store". However, the expression format of the store name does not matter. The store name may be considered as a kind of the store identifier described above.

The generation receiving unit 12 receives various kinds of information. The various types of information are, for example, requests from the store terminal 2. The request from the store terminal 2 is usually a request for code generation in the present embodiment. In the following, such a request may be simply referred to as a request. The code and its generation will be described later.

The generation receiving unit 12 receives, for example, a request from the store terminal 2 that has received the amount information. The request received has the amount information, and the request having the store identifier that identifies the store terminal 2 has the store identifier and the amount information. The store identifier of the request is the store identifier of the store where the payment is made. The amount information is information indicating the amount to be paid at the store. The amount information is, for example, "1000 yen", but the numerical value, currency unit, etc. do not matter.

The generation processing unit 13 performs various processes. The various processes are the processes of the code generation unit 131.

The code generation unit 131 generates a code in response to the generation reception unit 12 receiving the request from the store terminal 2. The code may be said to be, for example, a code representing information. The code in the present embodiment is, for example, a symbol in which information is embedded. This type of code is, for example, a QR code, but may be a two-dimensional code other than the QR code, or a one-dimensional code such as a bar code. The two-dimensional code other than the QR code is, for example, an SP code, a CP code, or the like, but the type does not matter. However, the code may be, for example, an array of one or more characters or symbols representing or corresponding to the information, regardless of the type.

The code generation unit 131 acquires the payee information corresponding to the store identifier of the received request from the store information storage unit 111. Then, the code generation unit 131 generates a code in which the amount information of the received request and the acquired payee information are embedded. It should be noted that the generation of the code is a known technique, and detailed description thereof will be omitted.

The generation transmission unit 14 transmits various information. The various types of information are, for example, codes.

The code transmission unit 141 transmits the code generated by the code generation unit 131 to the store terminal 2 in response to the request from the store terminal 2.

The store storage unit 21 constituting the store terminal 2 can store various types of information. The various types of information are, for example, store identifiers of the store to which the store terminal 2 belongs.

The store reception unit 22 receives various types of information. The various types of information are, for example, monetary information. Acceptance means, for example, acceptance of information input via an input device such as a keyboard or touch panel, acceptance of information optically read via an optical reading means such as a camera or a scanner, and a wired or wireless communication line. It is a concept including reception of information transmitted via the above, reception of information read from a recording medium such as a disk or a semiconductor memory, and the like.

The store reception unit 22 receives, for example, the amount information input by the store clerk via the input device. It should be noted that such a matter also applies to the user reception unit 32 described later.

The store processing unit 23 performs various processes. The various processes include, for example, determining whether or not the store reception unit 22 has received information such as amount information.

Further, the store processing unit 23 constitutes a request when, for example, the store reception unit 22 receives the amount information. The configured request is a code generation request as described above. The request has, for example, a store identifier and monetary information.

The store processing unit 23 constitutes, for example, a store identifier stored in the store storage unit 21 and a request having the amount information in response to the reception of the amount information by the store reception unit 22.

The store transmission unit 24 transmits various types of information. The various types of information are, for example, requests. The store transmission unit 24 transmits, for example, a request configured by the store processing unit 23 in response to the reception of the amount information to the code generation server 1.

The store receiving unit 25 receives various types of information. The various types of information are, for example, codes.

The code receiving unit 251 receives the code from the code generation server 1 in response to the transmission of the request by the store transmitting unit 24, for example.

The store output unit 26 outputs various types of information. The various types of information are, for example, codes. The output is a concept including, for example, display on a display, printout by a printer, sound output from a speaker, transmission to an external device, storage in a recording medium, delivery to another program, and the like. It should be noted that such a matter also applies to the user output unit 36 described later.

The code output unit 261 outputs the code received by the store reception unit 25, for example, via a display. As a result, the code is displayed on the display of the store terminal 2. Alternatively, the code output unit 261 may output the code via the printer, whereby the code is printed on the paper surface.

The user storage unit 31 constituting the user terminal 3 can store various types of information. The various types of information are, for example, user information. User information is information about the user. The user information is, for example, a user identifier. The user identifier is information that identifies a user. The user identifier is, for example, an e-mail address, a mobile phone number, an address / name, or the like, but may be an ID or any information that can identify the user.

Alternatively, the user information may be payment source information. The payer information is information about the payer of the price. The payer is a user who pays for the product purchased at the store. The payment source is, for example, the user's credit card, but may also be the user's account. The payment source information is, for example, credit card information, but may be a payment source account number and a payment source account holder's name. The payer account number is the user's account number, and the payer account holder's name is the user's account holder's name. Alternatively, the payment source information may be, for example, a user identifier.

The user information includes, for example, a user identifier and payment source information. However, the payment source information may be stored, for example, in the payment storage unit 41 of the payment server 4, which will be described later, in pairs with the user identifier. In that case, the user information does not necessarily have to have the payment source information, and its data structure does not matter.

The user storage unit 31 may also store, for example, a terminal identifier. The terminal identifier is information that identifies the user terminal 3. The terminal identifier is, for example, a MAC address, an IP address, an ID, or the like, but any information that can identify the user terminal 3 may be used. The terminal identifier may be considered as a user identifier.

The user reception unit 32 receives various types of information. The various types of information are, for example, codes.

The code reading unit 321 reads the code output from the store terminal 2 with the camera.

The payment instruction reception unit 322 receives the payment instruction. The settlement instruction is a settlement instruction. The payment instruction receiving unit 322 receives, for example, a payment instruction via an input device such as a touch panel after the payee second related information output unit 361 outputs the payee second information, which will be described later. The second payee information will be described later.

The payment instruction receiving unit 322 usually receives a payment instruction from the user. However, the payment instruction receiving unit 322 may receive a payment instruction from a clerk, for example. When receiving a payment instruction from a clerk, the payment instruction reception unit 322 may accept the payment instruction together with the confirmation information. The confirmation information is information indicating that the clerk has confirmed the second payee information. The confirmation information may be a predetermined character string, clerk identification information, or the like. The clerk identification information is information that identifies the clerk. The clerk identification information is, for example, an ID or a set of a store name and a name, but any information that can identify the clerk may be used. The second payee information in this case includes information that can be confirmed by the clerk, such as the name of the payee account holder, the store name, and the member store number. By accepting the payment instruction together with the confirmation information in this way, the third party can confirm that the clerk has confirmed the second payee information at the time of receiving the payment instruction or the like, or later.

Alternatively, the payment instruction receiving unit 322 may, for example, receive the payment instruction from the user and the confirmation information from the clerk. Specifically, for example, in one terminal device 3, after the payee second related information output unit 361 outputs the payee second information, the payment instruction receiving unit 322 receives the payment instruction from the user and confirms it from the clerk. Information may also be accepted. The second payment destination information in this case includes information that can be confirmed by both the user and the clerk, such as the store name.

Alternatively, for example, the number of terminal devices 3 constituting the information system is two or more, one of which (hereinafter, the first terminal device 3) is the user's terminal, and the other one (hereinafter, the second terminal). The device 3) is the terminal of the clerk, and in the first terminal device 3, after the payee second related information output unit 361 outputs the payee second information, the payment instruction receiving unit 322 issues a payment instruction from the user. At the same time, after the payment destination second related information output unit 361 outputs the payment destination second information in the second terminal device 3, the payment instruction reception unit 322 may receive confirmation information from the clerk.

Here, the payee second information output by the first terminal device 3 and the payee second information output by the second terminal device 3 are usually the same information, but may be different information. .. The second payee information in the former case includes information that can be confirmed by both the user and the clerk, such as the store name. In the latter case, the second payee information output by the first terminal device 3 includes information that can be confirmed by the user, such as a store name, and the second payee output by the second terminal device 3. The information includes information that can be confirmed by the clerk, such as a member store number. The second payment destination information for the clerk, such as the member store number, may be output by the store output unit 26 of the store terminal 2, and the confirmation information from the clerk may be received by the store reception unit 22. In this way, when the user and the clerk confirm the second payee information, the code replacement can be prevented more effectively.

The user processing unit 33 performs various processes. The various processes are, for example, the processes of the settlement information extraction unit 331 and the determination unit 332.

Further, the user processing unit 33 also performs a process of forming the payee first information described later by using the payee information included in the payment information extracted by the payment information extraction unit 331, for example.

Further, the user processing unit 33 uses, for example, one or more of the payee second information received by the payee second information receiving unit 351 described later or the judgment result acquired by the judgment unit 332 to pay the payee second. It also performs processing to compose related information.

Further, the user processing unit 33 also performs various determinations described in the flowchart, for example.

The payment information extraction unit 331 extracts payment information from the code read by the code reading unit 321. Payment information is information related to payment. The payment information is, for example, amount information, payee information, payment source information, store identifier, or the like, but any information related to payment may be used.

The settlement information in the present embodiment includes, for example, amount information, payee information, and the like. The payment information may also include, for example, a store identifier. Further, the payment information may also include, for example, payment source information. However, in order for the payment information to include the payment source information, for example, one or more payment source information is stored in the generation storage unit 11 constituting the code generation server 1, and the code generation unit 131 pays. It is necessary to generate a code that embeds the payment source information in addition to the destination information.

Alternatively, the payment information may be composed of, for example, only a store identifier, and its data structure does not matter.

Further, the payment information extraction unit 331 stores the payment information extracted as described above in, for example, the user storage unit 31.

The determination unit 332 determines whether or not the payee second information received by the payee second information receiving unit 351, which will be described later, matches the second part of the payment information extracted by the payment information extraction unit 331, and determines. Get the result.

The payee second information is a second part other than the first part of the payee information. The first part is a part of payee information. The second part is a part other than the first part of the payee information. The portion other than the first portion is, for example, the rest of the payee information excluding the first portion, but may be the remaining portion excluding the first portion.

It is preferable that the second part is information that can be recognized by the user. It can be said that the information that can be recognized by the user is, for example, information expressed in natural language and that the user can understand the meaning of the information. This kind of information is, for example, a name such as a store name or a company name. The name may be called a proper noun. On the other hand, the first part may be information that the user cannot recognize. Information that cannot be recognized by the user is, for example, information different from natural language, and may be said to be simply an array of characters and symbols. This type of information is, for example, an account number or a store identifier.

Specifically, for example, when the payee information has a payee account number and a payee account holder name, the first part is the payee account number and the second part is the payee account holder name. You may.

However, the second part may also be information that the user of the user terminal 3 cannot recognize. For example, when the payee information has a payee account number, a payee account holder name, and a store identifier, the first part may be the payee account number and the second part may be the store identifier.

The judgment result is the result of judgment as to whether or not the second payment destination information received from the payment server 4 matches the second part of the payment information embedded in the code output from the store terminal 2. is there. The determination result is, for example, a flag indicating "match" or "mismatch". The flag may be, for example, "0" corresponding to "match" or "1" corresponding to "mismatch", and its expression format does not matter.

However, the determination unit 332 is not essential. That is, if the user-recognizable information such as the store name is used as the second part, the user processing unit 33 does not have to have the determination unit 332.

The user transmission unit 34 transmits various types of information. The various types of information are, for example, payment information or a part thereof.

The payment information transmission unit 341 transmits at least a part of the payment information extracted by the payment information extraction unit 331, which will be described later, to the payment server 4. At least a part is, for example, the rest of the extracted payment information excluding the first part of the payee information, but may be all of the extracted payment information.

The payment information transmission unit 341 normally transmits at least a part of the extracted payment information to the payment server 4 together with the user information stored in the user storage unit 31. However, only payment information is transmitted, and user information does not have to be transmitted. Further, the transmitted payment information does not have to be the same as the extracted payment information.

Further, the transmitted user information usually includes a user identifier and a payment source information, but may include only one of the user identifier and the payment source information.

Further, the user information does not have to be transmitted at the same time as the payment information. For example, the payment information transmission unit 341 may transmit the payment information in response to the extraction of the payment information, and then transmit the user information in response to the receipt of the payment instruction.

The payment information transmission unit 341 transmits payment information or the like to the payment server 4 only when the payment instruction reception unit 322 receives the payment instruction, and the payment instruction reception unit 322 does not receive the payment instruction. It is preferable that the payment information transmission unit 341 does not transmit the payment information or the like to the payment server 4.

Alternatively, the payment information transmission unit 341 transmits the payment information or the like to the payment server 4 in response to the payment information extraction unit 331 extracting the payment information, and then the payment instruction reception unit 322 issues a payment instruction. The payment instruction may be transmitted to the payment server 4 according to the reception. In this case, for example, the payment server 4 does not make a payment when it receives the payment information or the like, and makes a payment when it receives a payment instruction.

The payee first information transmission unit 342 transmits the payee first information to the payment server 4. The payee first information is at least a part of the payee information described above, and is usually the first part of the payee information. However, the payee first information may be all of the payee information.

The payee first information transmission unit 342 may transmit the code read by the code reading unit 321 to the server device 4 as it is. In this case, the server device 4 analyzes the code and acquires the payee first information. That is, as long as the server device 4 can obtain the payee first information as a result, it does not matter whether the code analysis is performed on the terminal side or the server side.

For example, when the payee information has a payee account number and a payee account holder's name, the payee first information is the payee account number. Alternatively, for example, when the payee information is a store identifier, the payee first information may be a store identifier. Alternatively, for example, when the payee information has a payee account number, a payee account holder name, and a store identifier, the payee first information may include one or more of the payee account number or the store identifier. ..

The user receiving unit 35 receives various types of information. The various types of information are, for example, the above-mentioned second payee information.

The payee second information receiving unit 351 receives the payee second information corresponding to the payee first information transmitted by the payee first information transmitting unit 342 from the payment server 4 described later.

For example, when the payee information has the payee account number “aaa” and the payee account holder name “○○ Denki”, and the payee first information transmission unit 342 transmits the payee account number “aaa”. , The payee second information receiving unit 351 receives the payee account holder name "○○ Denki" corresponding to the payee account number from the payment server 4.

Or, for example, when the payee information is the store identifier "yy" and the payee first information transmitting unit 342 transmits the store identifier "yyy", the payee second information receiving unit 351 is concerned from the payment server 4. You may receive the store name "○○ department store" corresponding to the store identifier.

Alternatively, for example, the payee information has the payee account number "bbbb", the payee account holder name "○○ Holdings", and the store identifier "yy1", and the payee first information transmission unit 342 is the payee. When the payee first information including the account number "bbbb" and the store identifier "yy1" is transmitted, the payee second information receiving unit 351 receives the payee account corresponding to the payee account number from the payment server 4. You may receive the second payee information including one or more of the holder name "○○ Holdings" or the store name "○○ department store main store" corresponding to the store identifier.

In addition, for example, if the payee account holder is a holding company such as the above "○○ Holdings", the user may not know the payee account holder name "○○ Holdings". If the name of the payee account holder received is unknown, the user is likely to be unaware that the code has been replaced.

On the other hand, the store name "○○ Department Store Main Store" is usually known to the user because it is the name of the store for which payment is being made. Therefore, it is preferable that the payee second information receiving unit 351 receives the payee second information including the store name in addition to or instead of the payee account holder's name. This increases the possibility that the user will be able to recognize that the code has been replaced.

However, the second payee information is information that allows the user to confirm that the payee in the payment based on the output code is the original payee, or the user indicates that the payee may be an invalid payee. Any information can be recognized, and its data structure and expression format do not matter. The original payee is, for example, the operating company or owner of the store where the user made a purchase, or the holding company of the operating company, but if it is a corporation or an individual who has the right to receive payment from the user, The type does not matter.

If the management server 4 does not have the payee second information corresponding to the payee first information transmitted by the payee first information transmitting unit 342, the payee second information receiving unit 351 is transmitted from the payment server 4. , For example, error information may be received. The error information is information regarding the occurrence of an error. The error information may be, for example, simply information indicating the occurrence of an error, information notifying that the second payee information corresponding to the sent first payee information does not exist, or the code is replaced. It may be information that warns that there is a possibility, and the expression format does not matter.

The user output unit 36 outputs various information. The various types of information are, for example, information related to the second payee, which will be described later.

The payee second related information output unit 361 outputs the payee second related information. The payee second related information is information related to the payee second information. The payee second related information is, for example, the payee second information received by the payee second information receiving unit 351. The output payee second information may be all or a part of the received payee second information.

For example, when the received payee second information has the payee account holder name "○○ Holdings" and the store name "○○ department store main store", the payee second related information output unit 361 is the payee first. (Ii) As related information, "○○ Holdings, ○○ Department Store Main Store" may be output, “○○ Department Store Main Store” may be output, or “○○ Holdings” may be output.

However, when the second payee information including the payee account holder name and the store name is received, the payee second related information output unit 361 receives at least the payee second information including the store name for the above-mentioned reason. It is preferable to output.

Alternatively, the payee second related information may be, for example, a determination result of whether or not the payee second information matches the second part. That is, the payee second related information output unit 361 may output the determination result acquired by the determination unit 332, for example.

Alternatively, the payee second related information may include, for example, one or more of the payee second information or the determination result. That is, the payee second related information output unit 361 may output, for example, the payee second information received by the payee second information receiving unit 351 and the determination result acquired by the determination unit 332.

The payee second related information may include information that is not included in the payee information, for example. The information not included in the payee information is, for example, information regarding the location of the store (hereinafter, location-related information). The location-related information is, for example, a place name. The place name is the name of the location of the store. The place name is, for example, the name of a prefecture such as "Osaka" or the name of a city such as "Chuo-ku, Osaka", but it may also be a local name such as "Kinki" or "Kanto". Does not matter. Alternatively, the location-related information may be information that can identify the area including the location of the store, such as the area code of the telephone number and the zip code.

Similar to the above-mentioned payee second information, the payee second related information is information that allows the user to confirm that the payee in the settlement based on the output code is the original payee, or is invalid. Any information can be used as long as it can be recognized by the user as a payee, regardless of its data structure or expression format.

The payee second related information output unit 361 outputs, for example, the payee second information received by the payee second information receiving unit 351. That is, the payee second related information output unit 361 may output, for example, the payee second related information including one or more information of the payee account holder name or the store name. Alternatively, the payee second related information output unit 361 replaces, for example, one or more of the payee account holder's name or the store name, or in addition to this, the payee second related information including the location related information. Information may be output.

The output payee second information does not have to be the same as the received payee second information. For example, when the payee account holder name and the payee second information including the store name are received, the payee second related information output unit 361 outputs only the store name and outputs the payee account holder name. You don't have to.

Alternatively, the payee second related information output unit 361 may output the determination result acquired by the determination unit 332. The output judgment result does not have to be the same as the acquired judgment result. For example, when the flag "0" or "1" is acquired, the payee second related information output unit 361 receives the character string "match" corresponding to the flag "0" or the character corresponding to the flag "1". The column "mismatch" may be output. Alternatively, the payee second related information output unit 361 outputs a character string such as "mismatch", a sound such as a warning sound, or a specific color such as red only when a determination result indicating "mismatch" is acquired, for example. If one or two or more of the lights that are possessed or blinking are output and a judgment result indicating "mismatch" is obtained, nothing may be output.

Alternatively, the payee second related information output unit 361 may output the second payee related information including one or two or more of the received payee second information or the acquired determination result.

The user output unit 36 normally displays the above-mentioned second payee-related information on the display, but for example, it may be printed out by a printer or handed over to another program, and the output thereof may be obtained. The mode does not matter.

Specifically, for example, screen configuration information is stored in the user storage unit 31. The screen configuration information is information for configuring the screen. The screen configuration information includes, for example, one or more objects, layout information, and the like. An object is an element that constitutes a screen. The object is, for example, an image. The image is, for example, an image of a button. The button is, for example, a button for inputting a payment instruction, but the type of instruction to be input does not matter.

Alternatively, the object may be a character string. A character string is an array of one or more characters. The characters are, for example, numbers, alphabets, kana, kanji, etc., but may also be considered to include symbols and spaces.

The character string is, for example, a character string of a template into which the payee second related information is inserted, a character string corresponding to a button, or the like. The former character string is, for example, "The payee for this payment is" ... ". If you like, please press" Settle "." However, the expression format does not matter. The latter character string is, for example, "settlement" or "OK", but the expression format does not matter.

The layout information is information indicating the arrangement of one or more objects on the screen. The layout information is, for example, a set of position information (for example, coordinates) indicating the position of one or more objects in the screen, but the data structure thereof does not matter.

The user output unit 36 uses the screen configuration information as described above and the received second payee second related information "○○ department store", for example, the character string "The payee in this settlement is" ○ ". ○ Department store ”. If you like, please press“ Settle ”.” You may configure a screen that includes a button with the character string “Settlement” and display it on the display.

The payment storage unit 41 that constitutes the payment server 4 can store various types of information. The various types of information are, for example, payment destination correspondence information described later.

The payee correspondence information storage unit 411 stores the payee correspondence information. The payee correspondence information is a set of pairs of the payee first information and the payee second information. In the following, information composed of a pair of payee first information and payee second information may be referred to as paired information. The paired information will be described with reference to FIG. 7 as a specific example.

As described above, the payee first information is, for example, a payee account number, but may be a store identifier, or may have a payee account number and a store identifier. As described above, the second payee information is, for example, the name of the payee account holder, but may be the store name, or may have the payee account holder name and the store name.

For example, when the payee account number of a certain payee is "aaa" and the payee account holder name is "○○ Denki", the payee correspondence information is the payee first information "aaa" and the payee second information. Includes a pair with "○○ electric appliance" (hereinafter, may be referred to as pair information 1: see FIG. 7). If the payee account number of another payee is "bbbb", the store identifier is "yy1", the payee account holder name is "○○ Holdings", and the store name is "○○ department store main store", the payee Correspondence information includes a pair (vs. information 2) between the payee first information "bbb, yyy1" and the payee second information "○○ Holdings, ○○ department store main store".

In addition, each pair of information of 1 or 2 or more constituting the payee correspondence information may be associated with information not included in the payee information such as the above-mentioned location-related information.

Further, the payee correspondence information may be stored in the payee correspondence information storage unit 411 as a set of pairs of the code and the payee second information, for example. If the code is a dynamically changing code, the pair of code and payee second information may be stored, for example, with date and time information. The date and time information is information indicating the date and time. The date and time are usually dates and times, but may be, for example, only dates.

Further, the payment storage unit 41 may also store one or more payment source information of each user in pairs with the user identifier, for example. However, when the user information transmitted from the user terminal 3 together with the payment information includes the payment source information, the payment source information and the like do not necessarily have to be stored in the payment storage unit 41.

The payment receiving unit 42 receives various types of information. The various types of information are, for example, payee first information.

The payee first information receiving unit 421 receives the payee first information from the user terminal 3.

The payment receiving unit 42 also receives payment information from the user terminal 3. The payment receiving unit 42 usually receives payment information as well as user information from the user terminal 3. However, only payment information may be received.

Specifically, after the payee first information receiving unit 421 receives the payee first information from the user terminal 3, the payee second information transmitting unit 441, which will be described later, transmits the payee second information to the user terminal 3. In response to this, the payment receiving unit 42 receives the payment information together with the user information from the user terminal 3.

The settlement processing unit 43 performs various processes. The various processes are, for example, the processes of the payee second information acquisition unit 431.

The payee second information acquisition unit 431 acquires the payee second information corresponding to the payee first information received by the payee first information receiving unit 421 from the payee correspondence information storage unit 411.

For example, when the payee first information "aaa" is received, the payee second information acquisition unit 431 uses the payee correspondence information of the payee correspondence information storage unit 411 to use the payee correspondence information "aaa". Acquire the second correspondence information "○○ Electric" that is paired with. Similarly, for example, when the payee first information "bbb, yyy1" is received, the payee second information acquisition unit 431 uses the payee correspondence information of the payee correspondence information storage unit 411 to use the payee first information. Acquire the second correspondence information "○○ Holdings, ○○ department store main store" which is paired with the first information "bbb, yyy1".

When the information system includes the above-mentioned first terminal device 3 and the above-mentioned second terminal device 3, the payee second information acquisition unit 431 is the payee second for the first terminal device 3. The information and the second payee information for the second terminal device 3 may be acquired. The second payee information for the first terminal device 3 includes information that can be confirmed by the user, such as a store name. The second payee information for the second terminal device 3 includes information that can be confirmed by the clerk, such as a member store number.

For example, the payment storage unit 41 stores the error information as described above, and the payee second information acquisition unit 431 corresponds to the payee first information received by the payee first information receiving unit 421. It is determined whether or not the attached payee second information is stored in the payee correspondence information storage unit 411, and when it is determined that it is stored, the payee second information is stored in the payee correspondence information storage unit. If it is acquired from 411 and it is determined that the error information is not stored, the error information may be acquired from the settlement storage unit 41.

The payee second information acquisition unit 431 also acquires information such as the above location-related information corresponding to the paired information including the payee first information received by the payee first information receiving unit 421. May be good.

In addition, the payment processing unit 43 also performs payment processing using the payment information and the like received by the payment receiving unit 42. The settlement process is a process related to settlement. The payment process is, for example, payment to the payee account by credit card.

For example, the payment information has the amount information and the payee information, the user information has the payment source information, the payment source information is the user's credit card information, and the payee information is the payee. When the account number and the name of the payee account holder are included, the payment processing unit 43 pays the amount indicated by the amount information by using the credit card indicated by the credit card information and the account having the number indicated by the payee account number. Deposit to the account of the holder's name indicated by the holder of the previous account.

Alternatively, when the payment source information includes the payment source account number and the name of the payment source account holder, the settlement processing unit 43 is the account of the number indicated by the payment source account number and pays the amount indicated by the amount information. Deposits may be made from the account of the holder's name indicated by the former holder's name to the account of the number indicated by the payee's account number and the account of the holder's name indicated by the payee's account holder's name.

The payment process is not limited to the above-mentioned credit card payment or account transfer process, and may be, for example, electronic money or point payment processing, regardless of the type.

The payment transmission unit 44 transmits various types of information. The various types of information are, for example, second payee information.

The payee second information transmitting unit 441 is a payee second information acquisition unit 431 acquired by the payee second information acquisition unit 431 in response to the payee first information receiving unit 421 receiving the payee first information from the user terminal 3. The information is transmitted to the user terminal 3.

For example, when the payee first information "aaa" is received from the user terminal 3, the payee second information transmission unit 441 receives the second correspondence information "○○ electric appliance" acquired by the payee second information acquisition unit 431. Is transmitted to the user terminal 3. Similarly, for example, when the payee first information "bbb, yyy1" is received from the user terminal 3, the payee second information transmission unit 441 receives the second correspondence information acquired by the payee second information acquisition unit 431. "○○ Holdings, ○○ Department Store Main Store" is transmitted to the user terminal 3.

When the information system includes the first terminal device 3 and the second terminal device 3, the payee second information transmission unit 441 is acquired by the payee second information acquisition unit 431 for the first terminal device 3. The second payee information is transmitted to the first terminal device 3, and the second payee information acquired by the payee second information acquisition unit 431 for the second terminal device 3 is transmitted to the second terminal device 3. You may send it.

The payee second information corresponding to the received payee first information is not stored in the payee correspondence information storage unit 411, and the payee second information acquisition unit 431 receives error information from the payment storage unit 41. When the acquisition is obtained, the payment transmission unit 44 may transmit the acquired error information to the user terminal 3.

The payee second information transmission unit 441 may also transmit information such as the location-related information acquired by the payee second information acquisition unit 431.

The generation storage unit 11, the store information storage unit 111, the store storage unit 21, the user storage unit 31, the payment storage unit 41, and the payee correspondence information storage unit 411 are preferably non-volatile recording media such as a hard disk and a flash memory. However, it can also be realized with a volatile recording medium such as RAM.

The process in which information is stored in the generation storage unit 11 or the like does not matter. For example, information may be stored in the generation storage unit 11 or the like via a recording medium, and information transmitted via a network, a communication line, or the like may be stored in the generation storage unit 11 or the like. Alternatively, the information input via the input device may be stored in the generation storage unit 11 or the like. The input device may be, for example, a keyboard, a mouse, a touch panel, or the like.

The generation receiving unit 12, the store receiving unit 25, the code receiving unit 251 and the user receiving unit 35, the payee second information receiving unit 351 and the payment receiving unit 42, and the payee first information receiving unit 421 are usually wired or wireless. It is realized by a communication means (for example, a communication module such as a NIC (Network interface controller) or a modem), but it may be realized by a means for receiving a broadcast (for example, a broadcast reception module).

The generation processing unit 13, the code generation unit 131, the store processing unit 23, the user processing unit 33, the payment information extraction unit 331, the judgment unit 332, the payment processing unit 43, and the payee second information acquisition unit 431 are usually It can be realized from MPU, memory, etc. The processing procedure of the generation processing unit 13 and the like is usually realized by software, and the software is recorded on a recording medium such as a ROM. However, the processing procedure may be realized by hardware (dedicated circuit).

The generation transmission unit 14, the code transmission unit 141, the store transmission unit 24, the user transmission unit 34, the payment information transmission unit 341, the payee first information transmission unit 342, the payment transmission unit 44, and the payment destination second information transmission unit 441 , Usually realized by wired or wireless communication means, but may be realized by broadcasting means (eg, broadcasting module).

The store reception unit 22, the user reception unit 32, the code reading unit 321 and the payment instruction reception unit 322 may or may not include an input device. The store reception unit 22 and the like can be realized by the driver software of the input device or by the input device and its driver software.

The store output unit 26, the code output unit 261 and the user output unit 36, and the payee second related information output unit 361 may or may not be considered to include an output device such as a display or a speaker. The store output unit 26 and the like can be realized by the driver software of the output device, or by the output device and its driver software.

Next, the operation of the information system will be described with reference to the flowcharts of FIGS. 4 and 5. FIG. 4 is a flowchart illustrating the operation of the user terminal 3.

(Step S401) The user processing unit 33 determines whether or not the code reading unit 321 has read the code. If it is determined that the code reading unit 321 has read the code, the process proceeds to step S402, and if it is determined that the code reading unit 321 has not read the code, the process proceeds to step S406.

(Step S402) The payment information extraction unit 331 extracts payment information from the code read in step S401.

(Step S403) The payment information extraction unit 331 stores the payment information extracted in step S402 in the user storage unit 31.

(Step S404) The user processing unit 33 configures the payee first information by using the payee information included in the payment information extracted in step S403.

(Step S405) The payee first information transmission unit 342 transmits the payee first information configured in step S404 to the settlement server 4.
After that, the process returns to step S401.

(Step S406) The user processing unit 33 determines whether or not the payee second information receiving unit 351 has received the payee second information from the payment server 4. If it is determined that the payee second information receiving unit 351 has received the payee second information from the payment server 4, the process proceeds to step S407, and if it is determined that the payee second information has not been received, the process proceeds to step S409.

(Step S407) The user processing unit 33 configures the payee second related information by using the payee second information received in step S406.

(Step S408) The payee second related information output unit 361 outputs the payee second related information configured in step S407. After that, the process returns to step S401.

(Step S409) The user processing unit 33 determines whether or not the payment instruction receiving unit 322 has received the payment instruction. If it is determined that the settlement instruction receiving unit 322 has accepted the settlement instruction, the process proceeds to step S410, and if it is determined that the settlement instruction has not been accepted, the process returns to step S401.

(Step S410) The payment information transmission unit 341 acquires the payment information extracted in step S402 from the user storage unit 31 together with the user information, and transmits the payment information to the payment server 4. After that, the process returns to step S401.

In the flowchart of FIG. 4, the following step S406a may be added between steps S406 and S407, and step S407 may be replaced with the following step S407a.

(Step S406a) The determination unit 332 determines whether or not the second payee information received in step S406 matches the second portion of the payment information extracted in step S402, and acquires the determination result.

(Step S407a) The user processing unit 33 configures the payee second related information by using one or more of the payee second information received in step S406 or the determination result acquired in step S406a.

In the flowchart of FIG. 4, the process starts when the power of the user terminal 3 is turned on or the program is started, and the process ends when the power is turned off or an interrupt for the end of the process occurs. However, the trigger for the start or end of processing does not matter.

FIG. 5 is a flowchart illustrating the operation of the payment server 4.

(Step S501) The settlement processing unit 43 determines whether or not the payee first information receiving unit 421 has received the payee first information. If it is determined that the payee first information receiving unit 421 has received the payee first information, the process proceeds to step S502, and if it is determined that the payee first information has not been received, the process proceeds to step S504.

(Step S502) The payee second information acquisition unit 431 uses the payee correspondence information stored in the payee correspondence information storage unit 411 to make a payment corresponding to the payee first information received in step S501. Obtain the second information.

(Step S503) The payee second information transmission unit 441 transmits the payee second information acquired in step S502 to the user terminal 3.
After that, the process returns to step S501.

(Step S504) The payment processing unit 43 determines whether or not the payment receiving unit 42 has received the payment information together with the user information from the user terminal 3. If it is determined that the payment receiving unit 42 has received the payment information together with the user information from the user terminal 3, the process proceeds to step S505, and if it is determined that the payment information has not been received, the process returns to step S501.

(Step S505) The payment processing unit 43 performs payment processing using the payment information and the like received in step S504. After that, the process returns to step S501.

In the flowchart of FIG. 5, the process starts when the power of the payment server 4 is turned on or the program is started, and the process ends when the power is turned off or an interrupt for the end of the process occurs. However, the trigger for the start or end of processing does not matter.

The process described in the flowcharts of FIGS. 4 and 5 is a process performed between the user terminal 3 of one or more user terminals 3 constituting the information system and the payment server 4. In the information system, the above processing is performed between each of the one or more user terminals 3 and the payment server 4. That is, it can be said that the payment server 4 executes the processing of the flowchart of FIG. 5 for each one or more user identifiers corresponding to one or more user terminals 3.

Hereinafter, the specific operation of the information system in the present embodiment will be described. The following description can be changed in various ways and does not limit the scope of the present invention.

The information system in this example includes a code generation server 1, 2 or more store terminals 2, 2 or more user terminals 3, and a payment server 4. The code generation server 1 is a server of a company that operates an information system, and generates a code. The generated code is, for example, a QR code. The payment server 4 is a server of a credit card company, and makes payments by credit card.

One of the two or more store terminals 2 (hereinafter, may be referred to as store terminal 2X) is a cash register terminal installed at the cash register of "○○ Denki". "○○ Denki" is a member store of the information system, and is given the store identifier "xxx". When the payment is made by the QR code with "○○ Denki", the payee account number is "aaa" and the payee's name is "○○ Denki".

Of the two or more store terminals 2, the other store terminal 2 (hereinafter, store terminal 2Y) is a tablet terminal carried by a clerk of "○○ Department Store Osaka Store". "○○ Department Store Osaka Store" is a store belonging to the holding company "○○ Holdings". In addition, other stores such as "○○ Department Store Main Store" also belong to "○○ Holdings".

"○○ Department Store Osaka Store" is a member store of the information system and is given the store identifier "yy2". The "○○ department store main store" is also a member store, and is given the store identifier "yy1". When payment is made using a QR code at "○○ Department Store Osaka" under "○○ Holdings", the payment destination is "○○ Holdings", the payment destination account number is "bbbb", and the payment destination name. The person's name is "○○ Holdings".

One of the two or more user terminals 3 is the user terminal 3 (hereinafter referred to as the user terminal 3A), which is the smartphone of the user A. Of the two or more user terminals 3, the other user terminal 3 (hereinafter, user terminal 3B) is the mobile phone of the user B.

For example, two or more store information as shown in FIG. 6 is stored in the store information storage unit 111 of the code generation server 1. FIG. 6 is a data structure diagram of store information. The store information has a store identifier and payee information. The payee information has a payee account number and a payee account holder's name.

An ID (for example, "1", "2", etc.) is associated with each of the two or more store information stored. For example, the store information corresponding to the ID "1" (hereinafter, may be referred to as store information 1) has a store identifier "xxx" and payment destination information "aaa, XX electric appliance". Similarly, the store information (store information 2) corresponding to the ID "2" has the store identifier "yy1" and the payee information "bbbb, XX Holdings". Further, the store information 3 has a store identifier "yy2" and a payee information "bbbb, XX Holdings".

The store identifier "xxx" is stored in the store storage unit 21 of the store terminal 2X, and the store identifier "yy2" is stored in the store storage unit 21 of the store terminal 2Y.

The user information of the user A is stored in the store storage unit 21 of the user terminal 3A. This user information includes the user identifier "A". The user information may also include the credit card information of the user A.

The user information of the user B is stored in the store storage unit 21 of the user terminal 3B. This user information includes the user identifier "B". Note that this user information may also include the credit card information of user B.

For example, the payment destination correspondence information as shown in FIG. 7 is stored in the payment storage unit 41 of the payment server 4. FIG. 7 is a data structure diagram of payee correspondence information. The payee correspondence information is composed of one or more pairs of information. The paired information is information composed of a pair of payee first information and payee second information. The payee first information has a payee account number and a store identifier. The second payee information has the name of the payee account holder and the name of the store.

An ID (for example, "1", "2", etc.) is associated with each pair of information of 1 or more. For example, the paired information corresponding to the ID "1" (hereinafter, may be referred to as paired information 1) includes the payee first information "aaa, xxx" and the payee second information "○○ electric appliance, Null". Consists of a pair of. In addition, "Null" is a flag indicating the lack of the information. However, the second payee information constituting the paired information 1 may be "○○ electric appliance, ○○ electric appliance".

Similarly, the paired information (paired information 2) corresponding to the ID "2" is a pair of the payee first information "bbb, yyy1" and the payee second information "○○ Holdings, ○○ department store main store". It is composed. Further, the paired information 3 is composed of a pair of the payee first information "bbb, yyy2" and the payee second information "○○ Holdings, ○○ department store Osaka store".

Further, the payment storage unit 41 stores the credit card information of the user A in pairs with the user identifier "A". Further, the payment storage unit 41 stores the credit card information of the user B in pairs with the user identifier "B".

Now, suppose that user A selects a product of 1000 yen at the store "○○ Denki" and brings it to the cash register. The clerk inputs the amount information "1000 yen" into the store terminal 2X. In the store terminal 2X, the store reception unit 22 receives the input amount information "1000 yen", and the store processing unit 23 constitutes a request having the store identifier "X" and the amount information "1000 yen". The store transmission unit 24 transmits the configured request to the code generation server 1.

In the code generation server 1, the generation reception unit 12 receives the above request, and the code generation unit 131 receives the request by using the store information 1 stored in the store information storage unit 111. Acquires the payee information "aaa, 〇〇 electric appliance" corresponding to the store identifier "xxx" possessed by. Then, the code generation unit 131 embeds a code having payment information having the amount information "1000 yen" of the received request, the acquired payee information "aaa, OO electric appliance", and the store identifier "xxx". Generate. The code transmission unit 141 transmits the code thus generated to the store terminal 2X.

In the store terminal 2X, the code receiving unit 251 receives the above code, and the code output unit 261 displays the received code on the display. The user A takes a picture of the code displayed on the display of the store terminal 2X with the camera of the user terminal 3A.

In the user terminal 3A, the code reading unit 321 reads the code from the captured image. The payment information extraction unit 331 extracts the payment information from the read code, and stores the extracted payment information in the user storage unit 31. The user processing unit 33 configures the first payee information “aaa, xxx” by using the payee information “aaa, 〇〇 electric appliance” included in the extracted payment information. The payee first information transmission unit 342 transmits the configured payee first information "aaa, xxx" to the payment server 4.

In the payment server 4, the payee first information receiving unit 421 receives the payee first information "aaa, xxx", and the payee second information acquisition unit 431 is stored in the payee correspondence information storage unit 411. Using the paired information 1 that exists, the second payee information "○○ electric appliance, Null" corresponding to the received first payee information "aaa, xxx" is acquired. The payee second information transmission unit 441 transmits the acquired payee second information "○○ electric appliance, Null" to the user terminal 3A.

In the user terminal 3A, the payee second information receiving unit 351 receives the payee second information "○○ electric appliance, Null", and the user processing unit 33 receives the received payee second information "○○ electric appliance, Null". Using the "○○ electric appliance" possessed by "Null", the payee second related information "○○ electric appliance" is configured. The payee second related information output unit 361 uses the screen configuration information stored in the user storage unit 31 and the configured payee second related information "○○ electric appliance" to pay the payee second related information. Configure a screen that includes "○○ Electric" and display it on the display. As a result, for example, the screen as shown in FIG. 8 is displayed on the display of the user terminal 3A.

FIG. 8 is a diagram showing an example of a screen including the payee second related information. On this screen, the first character string "Settle with the read QR code ..." and the second character string "The payee for this payment is" ○○ Department Store ". If you like," Settle Includes "Please press." And the image of the button with the third string "Settle".

Since the store where the user A is shopping is "○○ Denki" and the second related information of the payee on the screen is also "○○ Denki", the payee for the payment to be executed is Confirm that you are a legitimate payee and press the button.

In response to pressing the button, the payment instruction receiving unit 322 receives the payment instruction, and the payment information transmitting unit 341 displays the extracted payment information "1000 yen, (aaa, OO electric appliance), xxx" as the user information "A". Is sent to the payment server 4 together with.

In the payment server 4, the payment receiving unit 42 receives the user information "A" and the payment information "1000 yen, (aaa, OO electric), xxx", and the payment processing unit 43 receives the received payment information and the user. Settlement processing is performed using the credit card information of A. As a result, 1000 yen, which is the price of the product, is credited to the account of "○○ Denki" via the credit card of User A.

If the payee second related information on the screen has a different name from "○○ Denki", the user recognizes that there is a high possibility that payment to an illegal payee is being executed. And do not press the button. This avoids making payments to fraudulent payees.

The operation of the information system when the user B makes a purchase of 10,000 yen at the store "○○ Department Store Osaka Store" is basically the same as above. However, when making a payment using a QR code at "○○ Department Store Osaka", the payee will be the holding company "○○ Holdings". Therefore, the second payee information received from the payment server 4 by the second payee information receiving unit 351 constituting the user terminal 3B is "○○ Holdings, ○○ Department Store Osaka Store". The user processing unit 33 configures the payee second related information "○○ department store Osaka store" by using the store name "○○ department store Osaka store" included in the payee second information. Alternatively, even if the payee account holder name "○○ Holdings" and the store name "○○ Department Store Osaka Store" are used to configure the payee second related information "○○ Holdings, ○○ Department Store Osaka Store". Good.

Then, on the display of the user terminal 3B, the payment destination second related information including the store name “○○ department store Osaka store” is displayed. Since the store where the user B is shopping is "○○ Department Store Osaka Store" and the second related information of the payee on the screen is also "○○ Department Store Osaka Store", the payee is a legitimate payee. Can be confirmed as.

When the payee second related information including the payee account holder name "○○ Holdings" is displayed on the display of the user terminal 3B, the user B does not know "○○ Holdings" and the payee is valid. It may not be possible to determine if it is a payee.

User B, who has confirmed that the payee in the settlement to be executed is a legitimate payee, can complete the payment by pressing the button.

(Modification example 1)
The information system of this example does not include a code generation server 1 and one or more store terminals 2 in the above information system (see FIG. 1), and the code reading unit 321 constituting the terminal device 3 is a paper or a panel. Read the code pre-printed on the surface such as. Other elements may perform the same operation as described above.

(Modification 2)
The information system of this example does not include the code generation server 1 in the above information system, and the code generated in advance is stored in the store storage unit 21 constituting the store terminal 2. The store receiving unit 25 does not include the code receiving unit 251 and the code output unit 261 outputs the code stored in the store storage unit 21. Other elements may perform the same operation as described above.

(Modification 3)
The information system of this example may have the same configuration as the above information system, but the server device 4 is a management server. The payment server 4, the payment storage unit 41, the payment reception unit 42, the payment processing unit 43, and the payment transmission unit 44 shown in FIG. 1 include the management server 4, the management storage unit 41, the management reception unit 42, and the management processing unit 43. And it is read as the management transmission unit 44. The management receiving unit 42 performs operations other than receiving payment information among the operations of the payment receiving unit 42 described above. The management processing unit 43 performs operations other than payment processing among the operations of the payment processing unit 43 described above. The payment information transmission unit 341 constituting the terminal device 3 transmits the payment information to another device (for example, a server of a financial institution). The other device receives payment information from the terminal device 3 and performs payment processing. Other elements may perform the same operation as described above.

(Modification example 4)
The information system of this example includes one or more customer terminals in place of one or more store terminals 2 in the above information system. The customer terminal is a customer's terminal, and is usually a mobile terminal carried by the customer. The customer terminal may have the same configuration as the store terminal 2 (see FIG. 3). However, in the configuration of FIG. 3, the "store" in the "store terminal 2" and the "store" in each element such as the "store storage unit 21" constituting the store terminal 2 are read as "customers". That is, the store terminal 2 is the customer terminal 2, and the store storage unit 21 and the like are the customer storage unit 21 and the like. The operation of the customer storage unit 21 and the like may be the same as the operation of the store storage unit 21 and the like. On the other hand, the terminal device 3 is a clerk terminal 3, and the "user" in each element such as the "user storage unit 31" constituting the terminal device 3 is also read as "clerk". The operation of the clerk storage unit 31 and the like may be the same as that of the user storage unit 31 and the like.

As described above, according to the present embodiment, the terminal device 3 reads the code, extracts the payment information related to the payment from the read code, and is the information included in the payment information, which is the information of the payee information regarding the payee in the payment. At least a part of the payee first information is transmitted to the server device 4, the payee second information corresponding to the payee first information is received from the server device 4, and the payee second information related to the payee second information is received. (Ii) Output related information.

Therefore, the user or the clerk can prevent payment to an unauthorized payee due to the code replacement by recognizing that the code has been replaced based on the output payee second related information.

Further, the terminal device 3 receives the payment instruction, which is a payment instruction, after outputting the second payment destination information, and transmits the payment information to the server device 4 only when the payment instruction is received. As a result, the user or the clerk can make a payment safely by issuing a payment instruction after confirming that the code has not been replaced.

Further, in the above configuration, the payee first information is the first part of the payee information, and the payee second information is the second part other than the first part of the payee information. The first part of the payee information extracted from the code is transmitted to the server device 4, and the second payee information is received from the server device 4. Therefore, the user or the clerk can recognize that the code has been replaced based on the second part of the payee information and the payee second information included in the payee second related information.

Further, in the above configuration, the second part is information that can be recognized by the user, and the payee second related information includes the payee second information, so that the user or the clerk can output the payee second. It can be recognized that the code has been replaced based on the second payee information included in the related information and the recognizable second part.

Further, the terminal device 3 determines whether or not the payee second information matches the second part, acquires the determination result, and the payee second related information includes the determination result. Therefore, even if the second part is information that the user does not recognize, the user or the clerk can recognize that the code has been replaced based on the judgment result included in the output payee second related information. ..

Further, in the above configuration, the payee first information is the payee account number of the payee, the payee second information is the payee account holder name of the payee, and the payee second related information is the payment. Contains information on one or more of the name of the account holder or the name of the store corresponding to the payee. Therefore, the user or the clerk can easily recognize that the code has been replaced based on the payee account holder name or the store name included in the output payee second related information.

In particular, since the payee second related information includes the store name, the user or the clerk can easily recognize that the code has been replaced even if the payee account holder name is not recognized.

Further, the payee correspondence information storage unit 411 stores the payee correspondence information which is a set of the pair of the payee first information and the payee second information, and the server device 4 is the payee from the terminal device 3. Receiving the first information, acquiring the payee second information corresponding to the received payee first information from the payee correspondence information storage unit 411, and transmitting the acquired payee second information to the terminal device 3. Therefore, the terminal device 3 can output the payee second related information. Therefore, the user or the clerk can recognize that the code has been replaced based on the output payee second related information, and can prevent payment to an unauthorized payee due to the code replacement.

Further, the processing in the present embodiment may be realized by software. Then, this software may be distributed by software download or the like. Further, this software may be recorded on a recording medium such as a CD-ROM and distributed.

The software that realizes the terminal device 3 in the present embodiment is, for example, the following program. That is, this program includes a code reading unit 321 that reads the output code, a payment information extraction unit 331 that extracts payment information related to payment from the code read by the code reading unit 321, and the payment information. The payee first information transmission unit 342 that transmits the payee first information that is information to be used and is at least a part of the payee information regarding the payee in the settlement to the server device 4, and the payee from the server device 4. The payee second information receiving unit 351 that receives the payee second information corresponding to the first information, and the payee second related information output that outputs the payee second related information related to the payee second information. It is a program for functioning as a part 361.

Further, the software that realizes the server device 4 in the present embodiment is, for example, the following program. In other words, this program uses a computer as a set of pairs of payee first information, which is at least a part of payee information about payees in payment, and payee second information corresponding to the payee first information. The payee correspondence information storage unit 411 that stores a certain payee correspondence information, the payee first information receiving unit 421 that receives the payee first information from the terminal device 3, and the payee first information receiving unit 421 The payee second information acquisition unit 431 that acquires the payee second information corresponding to the received payee first information from the payee correspondence information storage unit 411, and the payee second information acquisition unit 431 have acquired it. This is a program for functioning as the payee second information transmission unit 441 that transmits the payee second information to the terminal device 3.

FIG. 9 is a diagram showing an example of the internal configuration of the computer system 900 that executes the program in the embodiment to realize the terminal device 3 and the like. In FIG. 9, the computer system 900 is connected to the MPU 911, which is a computer that executes the program, the ROM 912 for storing the program such as the boot-up program, and the MPU 911, and temporarily stores the instruction of the application program. Provides a RAM 913 that provides a temporary storage space, a storage 914 that stores application programs, system programs, and data, a bus 915 that interconnects the MPU 911, ROM 912, etc., and a connection to a network such as an external network or an internal network. A network card 916, a memory card slot 917, a display 918, a touch panel 919 provided on the display surface of the display 918, and a camera 921 are provided. The storage 914 is, for example, a flash memory, but may be a hard disk, SSD, or the like. It is preferable that the computer system 900 also includes an input device such as a keyboard or a microphone (not shown). The entire computer system 900 may be referred to as a computer.

A program that causes the computer system 900 to execute a function such as the terminal device 3 may be stored in the memory card 920, inserted into the memory card slot 917, and transferred to the storage 914, for example. Alternatively, the program may be transmitted over the network to the computer system 900 and stored in storage 914. The program is loaded into RAM 913 at run time. The program may be loaded directly from the memory card 920 or the network.

The program does not necessarily have to include an operating system (OS), a third-party program, or the like that causes the computer system 900 to execute functions such as the terminal device 3. The program may include only a portion of the instructions that call the appropriate functions or modules in a controlled manner to achieve the desired result. It is well known how the computer system 900 works, and detailed description thereof will be omitted.

The computer system 900 described above is a mobile terminal, and is particularly suitable for realizing a terminal device 3 and a store terminal 2, but a payment device 4 and a code generation server 1 can also be realized. However, the server device 4 and the like are usually realized by a server or a stationary PC. In this case, for example, the touch panel 919 may be replaced with a keyboard and a mouse, the memory card slot 917 may be replaced with a disk drive, and the memory card 920 may be replaced with a disk. The storage 914 is, for example, a hard disk, SSD, or the like. However, the above is an example, and the hardware configuration of the computer that realizes the terminal device 3 and the like does not matter.

In the above program, in the transmission step for transmitting information and the reception step for receiving information, processing performed by hardware, for example, processing performed by a modem or interface card in the transmission step (only performed by hardware). Processing that is not done) is not included.

Further, the number of computers that execute the above program may be singular or plural. That is, centralized processing may be performed, or distributed processing may be performed.

Further, in each of the above embodiments, it goes without saying that the two or more communication means (terminal information transmitting unit, terminal information receiving unit, etc.) existing in one device may be physically realized by one medium. ..

Further, in each of the above embodiments, each process (each function) may be realized by centralized processing by a single device (system), or by distributed processing by a plurality of devices. May be done.

It goes without saying that the present invention is not limited to the above embodiments, and various modifications can be made, and these are also included in the scope of the present invention.

As described above, the terminal device according to the present invention has an effect of preventing payment to an illegal payee by replacing the code, and is useful as a terminal device or the like.

1 Code generation server 2 Store terminal 3 Terminal device 4 Server device 11 Generation storage unit 12 Generation reception unit 13 Generation processing unit 14 Generation transmission unit 21 Store storage unit 22 Store reception unit 23 Store processing unit 24 Store transmission unit 25 Store reception unit 26 Store output unit 31 User storage unit 32 User reception unit 33 User processing unit 34 User transmission unit 35 User reception unit 36 User output unit 41 Payment storage unit 42 Payment reception unit 43 Payment processing unit 44 Payment transmission unit 111 Store information storage unit 131 Code Generation unit 141 Code transmission unit 251 Code reception unit 261 Code output unit 321 Code reading unit 322 Payment instruction reception unit 331 Payment information extraction unit 332 Judgment unit 341 Payment information transmission unit 342 Payment destination first information transmission unit 351 Payment destination second information Receiving unit 361 Payee second related information output unit 411 Payee correspondence information storage unit 421 Payee first information receiving unit 431 Payee second information acquisition unit 441 Payee second information transmission unit

Claims (9)

A code reader that reads the code and
A payment information extraction unit that extracts payment information related to payment from the code read by the code reading unit,
A payee first information transmission unit that transmits the payee first information that is information included in the payment information and is at least a part of the payee information about the payee in the payment to the server device.
A payee second information receiving unit that receives the payee second information corresponding to the payee first information from the server device, and
A terminal device including a payee second related information output unit that outputs payee second related information related to the payee second information. After the payee second related information output unit outputs the payee second information, the payment instruction receiving unit that receives the payment instruction, which is the payment instruction,
The terminal device according to claim 1, further comprising a payment information transmitting unit that transmits the payment information only when the payment instruction receiving unit receives the payment instruction. The payee first information is the first part of the payee information.
The terminal device according to claim 1 or 2, wherein the payee second information is a second part other than the first part of the payee information. The payee first information is the payee account number of the payee.
The second payee information is the name of the payee account holder of the payee.
The terminal device according to any one of claims 1 to 3, wherein the payee second related information includes one or more information of the payee account holder name or the store name corresponding to the payee. The payee correspondence information, which is a set of a pair of the payee first information which is at least a part of the payee information about the payee in the settlement and the payee second information corresponding to the payee first information, is stored. Payee correspondence information storage unit and
A payee first information receiving unit that receives the payee first information from the terminal device according to any one of claims 1 to 4.
The payee second information acquisition unit that acquires the payee second information corresponding to the payee first information received by the payee first information receiving unit from the payee correspondence information storage unit, and
A server device including a payee second information transmission unit that transmits the payee second information acquired by the payee second information acquisition unit to the terminal device. It is a code replacement prevention method realized by a code reading unit, a payment information extraction unit, a payee first information transmitting unit, a payee second information receiving unit, and a payee second related information output unit.
A code reading step in which the code reading unit reads the output code,
A payment information extraction step in which the payment information extraction unit extracts payment information related to payment from the code read by the code reading unit, and
The payee first information transmitting unit transmits the payee first information which is the information included in the payment information and is at least a part of the payee information regarding the payee in the settlement to the server device. Information transmission step and
A payee second information receiving step in which the payee second information receiving unit receives the payee second information corresponding to the payee first information from the server device, and
An information processing method including a payee second related information output step in which the payee second related information output unit outputs payee second related information related to the payee second information. The payee correspondence information, which is a set of a pair of the payee first information which is at least a part of the payee information about the payee in the settlement and the payee second information corresponding to the payee first information, is stored. It is a payment method realized by the payee correspondence information storage unit, the payee first information receiving unit, the payee second information acquisition unit, and the payee second information transmission unit.
A payee first information receiving step in which the payee first information receiving unit receives the payee first information from the terminal device according to any one of claims 1 to 4.
The payee second information acquisition unit acquires the payee second information corresponding to the payee first information received by the payee first information receiving unit from the payee correspondence information storage unit. Information acquisition steps and
An information processing method including a payee second information transmission step in which the payee second information transmission unit transmits the payee second information acquired by the payee second information acquisition unit to the terminal device. Computer,
A code reader that reads the output code and
A payment information extraction unit that extracts payment information related to payment from the code read by the code reading unit,
A payee first information transmission unit that transmits the payee first information that is information included in the payment information and is at least a part of the payee information about the payee in the payment to the server device.
A payee second information receiving unit that receives the payee second information corresponding to the payee first information from the server device, and
A program for functioning as a payee second related information output unit that outputs payee second related information related to the payee second information. Computer,
The payee correspondence information, which is a set of a pair of the payee first information which is at least a part of the payee information about the payee in the settlement and the payee second information corresponding to the payee first information, is stored. Payee correspondence information storage unit and
A payee first information receiving unit that receives the payee first information from the terminal device according to any one of claims 1 to 4.
The payee second information acquisition unit that acquires the payee second information corresponding to the payee first information received by the payee first information receiving unit from the payee correspondence information storage unit, and
A program for functioning as a payee second information transmission unit that transmits the payee second information acquired by the payee second information acquisition unit to the terminal device.

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