JP2020204883A - Information processing method, program, and terminal - Google Patents

Abstract

To improve usability of electronic money settlement.SOLUTION: An information processing method of a terminal for performing settlement-related processing based on first information for executing settlement by a code image is disclosed, the method comprising: receiving the first information sent from a server via a communication unit of the terminal; having a controller of the terminal store the received first information in a storage unit of the terminal; and displaying a first code image based on the first information and second information different from the first information in a display area of the terminal. The settlement is executed by the server according to the first information received by the server based on the display of the first code image and the second information.SELECTED DRAWING: Figure 1

Description

The present disclosure relates to information processing methods, programs, and terminals.

In recent years, services that realize management of electronic money (electronic money) of a terminal or a user of the terminal, payment by electronic money, etc. by an application that can be executed on a terminal such as a smartphone are becoming widespread. For example, Patent Document 1 discloses a technique for settling the purchase price of a product. However, payment by electronic money may not be possible depending on the communication environment and communication conditions of the terminal, and may not be easy to use.

Japanese Unexamined Patent Publication No. 2002-176671

According to the first aspect of the present invention, the information processing method of the terminal that executes the processing related to the payment based on the first information for performing the payment by the code image uses the first information transmitted from the server to communicate with the terminal. Receiving via the unit, storing the received first information in the storage unit of the terminal by the control unit of the terminal, and the first information based on the first information and the second information different from the first information. 1. The settlement includes displaying the code image in the display area of the terminal, and the settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information.
According to the second aspect of the present invention, the program executed by the computer of the terminal that executes the processing related to the payment based on the first information for performing the payment by the code image receives the first information transmitted from the server. A first code image based on receiving via the communication unit of the terminal, storing the received first information in the storage unit of the terminal, and the first information and the second information different from the first information. Is included in the display area of the terminal, and the settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information.
According to the third aspect of the present invention, the terminal that executes the processing related to the payment based on the first information for performing the payment by the code image is received by the communication unit that receives the first information transmitted from the server. It is provided with a control unit that controls to store the first information in the storage unit of the terminal, and a display unit that displays the first code image based on the first information and the second information different from the first information. Is executed by the server based on the first information received by the server based on the display of the first code image and the second information.
According to the fourth aspect of the present invention, the terminal that executes the processing related to the payment based on the first information for performing the payment by the code image reads the program from the memory in which the program is stored and executes the processing based on the program. The processor is provided with a processor for receiving the first information transmitted from the server via the communication unit of the terminal, storing the received first information in the storage unit of the terminal, and the first information. And, the first code image based on the second information different from the first information is displayed in the display area of the terminal, and the settlement is the first information received by the server based on the display of the first code image. And executed by the server based on the second information.
According to the fifth aspect of the present invention, the information processing method of the server that executes the payment of the terminal that performs the payment-related processing based on the first information for performing the payment by the code image uses the first information as the communication unit of the server. Based on the fact that the first code image based on the first information displayed in the display area of the terminal and the second information different from the first information is read by the code reading device. , The first information based on the first code image and the second information transmitted from the code reading device are received via the communication unit, and the first information, the second information, and the storage unit of the server It includes making a settlement based on the third information that is stored and associated with the first information.

The figure which shows an example of the structure of the communication system in one aspect of Embodiment. The figure which shows an example of the system structure of the store POS system in one aspect of an embodiment. The flowchart which shows an example of the flow of the process executed by various devices in one aspect of an embodiment. The figure which shows an example of the display screen of the terminal in one aspect of an embodiment. The figure which shows an example of the display screen of the terminal in one aspect of an embodiment. The flowchart which shows an example of the flow of the process executed by various devices in one aspect of an embodiment. The figure which shows an example of the function realized by the control part of the server which concerns on 1st Example. The figure which shows an example of the information stored in the storage part of the server which concerns on 1st Example. The figure which shows an example of the user registration data which concerns on 1st Example. The figure which shows an example of the store registration data which concerns on 1st Example. The figure which shows an example of the settlement management database which concerns on 1st Example. The figure which shows an example of the function realized by the control part of the terminal which concerns on 1st Example. The figure which shows an example of the information stored in the storage part of the terminal which concerns on 1st Example. The figure which shows an example of the settlement data which concerns on 1st Example. The figure which shows an example of the display screen of the terminal which concerns on 1st Example. The figure which shows an example of the display screen of the terminal which concerns on 1st Example. The figure which shows an example of the display screen of the terminal which concerns on 1st Example. The flowchart which shows an example of the flow of the process executed by various apparatus which concerns on 1st Example. The figure which shows an example of the display screen of the terminal which concerns on 1st modification. The figure which shows an example of the display screen of the terminal which concerns on 1st modification. The figure which shows an example of the display screen of the terminal which concerns on 1st modification. The figure which shows an example of the information stored in the storage part of the terminal which concerns on 2nd Example. The flowchart which shows an example of the flow of the process executed by various apparatus which concerns on 2nd Example. The figure which shows an example of the function realized by the control part of the terminal which concerns on 2nd modification. The figure which shows an example of the information stored in the storage part of the terminal which concerns on 2nd modification. The figure which shows an example of the display screen of the terminal which concerns on 3rd Example. The figure which shows an example of the display screen of the terminal which concerns on 3rd Example. FIG. 5 is a flowchart showing an example of a flow of processing executed by various devices according to the third embodiment. The figure which shows an example of the display screen of the terminal which concerns on 3rd modification. The figure which shows an example of the information stored in the storage part of the terminal which concerns on 4th Embodiment. The figure which shows an example of the code supplementation condition data which concerns on 4th Example. The figure which shows an example of the information stored in the storage part of the terminal which concerns on 5th Example. The figure which shows an example of the display mode setting data which concerns on 5th Example. The figure which shows an example of the display mode setting data which concerns on 5th Example. The figure which shows an example of the display screen of the terminal which concerns on 5th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 5th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 5th Embodiment. The figure which shows an example of the display screen of the terminal which concerns on 5th Embodiment. The figure which shows an example of the store registration data which concerns on 6th Example. The figure which shows an example of the function realized by the control part of the terminal which concerns on 6th Embodiment. The figure which shows an example of the information stored in the storage part of the terminal which concerns on 6th Example. The figure which shows an example of the settlement data which concerns on 6th Example. The figure which shows an example of the authentication skip condition data which concerns on 6th Example. FIG. 5 is a flowchart showing an example of a flow of processing executed by various devices according to the sixth embodiment. The figure which shows an example of the authentication skip condition data which concerns on the 6th modification. FIG. 5 is a flowchart showing an example of a flow of processing executed by various devices according to the seventh embodiment. The figure which shows an example of the settlement management database which concerns on 8th Example. The figure which shows an example of the code management data which concerns on 8th Example.

<Compliance with legal matters>
It should be noted that the disclosures described herein are premised on compliance with the legal matters of the implementing country necessary for the implementation of this disclosure, such as secrecy of communications.

An embodiment for implementing the information processing method and the like according to the present disclosure will be described with reference to the drawings.

[System configuration]
FIG. 1 is a diagram showing an example of the configuration of the communication system 1 according to the embodiment of the present disclosure.
As disclosed in FIG. 1, in the communication system 1, the server 10, the terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) And the store POS system 40 are connected via the network 30. ..

The server 10 provides a service for transmitting and receiving content including a message and the like between the terminals 20 to the terminal 20 owned by the user via the network 30. Further, the server 10 provides a service (hereinafter, referred to as "payment service") that realizes electronic payment (not limited, but an example of payment) by communicating with the terminal 20. The number of terminals 20 connected to the network 30 is not limited.

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

One or more parts of the network 30 may or may not be a wired or wireless network. The network 30 is not limited, but by example, an ad hoc network, an intranet, an extranet, a virtual private network (VPN), a local area network (LAN), and a wireless network. LAN (wireless LAN: WLAN), wide area network (WAN), wireless WAN (wireless WAN: WWAN), metropolitan area network (MAN), part of the Internet, public exchange telephone network (Public) Switched Telephone Network: Part of PSTN, mobile network, ISDN (integrated service digital networks), wireless LAN, LTE (long term evolution), CDMA (code division multiple access), Bluetooth (Bluetooth (registered trademark)), satellite It can include communications, etc., or a combination of two or more of these. The network 30 may include one or more networks 30.

The terminal 20 (terminal 20A, terminal 20B, terminal 20C, ...) (Not limited, but an example of a terminal and an information processing device) is any information processing terminal capable of realizing the functions described in each embodiment. It may be a terminal. The terminal 20 is not limited, but by example, a smartphone, a mobile phone (feature phone), a computer (not limited, by example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, by example, a cable, a satellite set). Topboxes, digital video recorders), handheld computer devices (not limited, but personal digital assistants, email clients, etc.), wearable devices (glasses devices, watch devices, etc.), or other types of computers , Or includes a communication platform. Further, the terminal 20 may be expressed as an information processing terminal.

Since the configurations of the terminal 20A, the terminal 20B, and the terminal 20C are basically the same, the terminal 20 will be described in the following description. Further, if necessary, the terminal used by the user X is expressed as the terminal 20X, and the user information in the predetermined service associated with the user X or the terminal 20X is expressed as the user information X. The user information is user information associated with an account used by the user in a predetermined service. User information is not limited, but as an example, input by the user or given by a predetermined service, the user's name, the user's icon image, the user's age, the user's gender, the user's address, and the user's taste. It includes information associated with the user, such as preference, user identifier, and may or may not be any one or combination of these.

The server 10 (not limited to an example of a server, an information processing device, and an information management device) has a function of providing a predetermined service to the terminal 20. The server 10 may be any device as long as it is an information processing device that can realize the functions described in each embodiment. The server 10 is not limited, but by example, a server device, a computer (not limited, by example, a desktop, a laptop, a tablet, etc.), a media computer platform (not limited, by example, a cable, a satellite set top box, a digital video recorder). ), Handheld computer devices (for example, but not limited to PDAs, email clients, etc.), or other types of computers, or communication platforms. Further, the server 10 may be expressed as an information processing device. When it is not necessary to distinguish between the server 10 and the terminal 20, the server 10 and the terminal 20 may or may not be expressed as information processing devices, respectively.

In the embodiment described below, the server 10 will be described as having a function of providing a payment service by a payment application.

The store POS system 40 is a POS system that is introduced and used in a store that is affiliated with a business operator that operates the server 10.
The store POS system 40 includes, but is not limited to, a store code reader device 50, a code cash register 60, and a store server 70.

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

(1) HW configuration of the terminal FIG. 1 shows an example of the HW configuration of the terminal 20.
The terminal 20 includes a control unit 21 (CPU: central processing unit), a storage unit 28, a communication I / F 22 (interface), an input / output unit 23, a display unit 24, a microphone 25, a speaker 26, and a camera 27. It includes a clock unit 29A and a position calculation information detection unit 29B. Each component of the HW of the terminal 20 is connected to each other via bus B as an example, but not a limitation. It is not essential that the HW configuration of the terminal 20 includes all the components. As an example, but not limited to, the terminal 20 may or may not be configured to remove individual components, such as the microphone 25, camera 27, or a plurality of components.

The communication I / F 22 transmits / receives various data via the network 30. Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 22 has a function of executing communication with various devices such as the server 10 via the network 30. The communication I / F 22 transmits various data to various devices such as the server 10 according to an instruction from the control unit 21. Further, the communication I / F 22 receives various data transmitted from various devices such as the server 10 and transmits the various data to the control unit 21. Further, the communication I / F 22 may be simply expressed as a communication unit. Further, when the communication I / F 22 is composed of a physically structured circuit, it may be expressed as a communication circuit.

The input / output unit 23 includes a device for inputting various operations to the terminal 20 and a device for outputting the processing result processed by the terminal 20. The input / output unit 23 may or may not be integrated with the input unit and the output unit, or may be separated into the input unit and the output unit.

The input unit is realized by any or a combination of all kinds of devices capable of receiving input from the user and transmitting information related to the input to the control unit 21. The input unit includes, but is not limited to, hardware keys such as a touch panel, a touch display, and a keyboard, a pointing device such as a mouse, a camera (operation input via a moving image), and a microphone (operation input by voice).

The output unit is realized by any or a combination of all kinds of devices capable of outputting the processing result processed by the control unit 21. The output unit is not limited and includes, as an example, a touch panel, a touch display, a speaker (audio output), a lens (not limited, as an example, 3D (three dimensions) output or hologram output), a printer, and the like.

The display unit 24 is realized by any or a combination of all kinds of devices capable of displaying according to the display data written in the frame buffer. The display unit 24 includes a touch panel, a touch display, a monitor (not a limitation but an example, a liquid crystal display or an OELD (organic electroluminescence display)), a head mounted display (HDM), a projection mapping, and a hologram. , Includes a device capable of displaying images, text information, etc. in the air (which may or may not be vacuum). It should be noted that these display units 24 may or may not be able to display display data in 3D.

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

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

The clock unit 29A may or may not have a clock to which the NITZ (Network Identity and Time Zone) standard or the like is applied.

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

The position calculation information detection unit 29B is not limited, but as an example, a satellite positioning sensor (satellite positioning) that is a sensor or unit for calculating the position of the terminal 20 using a satellite positioning system such as GPS (Global Positioning System). A unit), a sensor for calculating the position of the terminal 20 by using an inertial navigation system, an inertial measurement sensor (IMU (Inertial Measurement Unit)), and the like.

The satellite positioning unit is not limited to, for example, an RF receiving circuit that converts an RF (Radio Frequency) signal including a positioning satellite signal transmitted from a positioning satellite received by an antenna (not shown) into a digital signal. Correlation calculation processing is performed on the digital signal output from the RF reception circuit to capture the positioning satellite signal, and information such as satellite orbit data and time data extracted from the positioning satellite signal is used as position calculation information. It has a baseband processing circuit to output.

The inertial measurement unit has an inertial sensor which is a sensor that detects information necessary for calculating the position of the terminal 20 by inertial navigation calculation. The inertial sensor includes, for example, a three-axis acceleration sensor and a three-axis gyro sensor, and the acceleration detected by the acceleration sensor and the angular velocity detected by the gyro sensor are used as position calculation information. Output.

The control unit 21 has a physically structured circuit for executing a function realized by a code or an instruction contained in the program, and is not limited, but as an example, a data processing device built in hardware. Is realized by. Therefore, the control unit 21 may or may not be expressed as a control circuit.

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

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

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

The microphone 25 is used for inputting voice data. The speaker 26 is used for outputting audio data. The camera 27 is used for acquiring moving image data.

(2) HW configuration of the server FIG. 1 shows an example of the HW configuration of the server 10.
The server 10 includes a control unit 11 (CPU), a storage unit 15, a communication I / F 14 (interface), an input / output unit 12, a display 13, and a clock unit 19. Each component of the HW of the server 10 is connected to each other via the bus B as an example, but not a limitation. The HW of the server 10 does not necessarily include all the components as the configuration of the HW of the server 10. As an example, but not limited to, the HW of the server 10 may or may not be configured to remove the display 13.

The control unit 11 has a physically structured circuit for executing a function realized by a code or an instruction contained in the program, and is not limited, but as an example, a data processing device built in hardware. Is realized by.

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

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

The communication I / F 14 transmits / receives various data via the network 30. Communication may be performed by wire or wirelessly, and any communication protocol may be used as long as mutual communication can be performed. The communication I / F 14 has a function of executing communication with various devices such as a terminal 20 via the network 30. The communication I / F 14 transmits various data to various devices such as a terminal 20 according to an instruction from the control unit 11. Further, the communication I / F 14 receives various data transmitted from various devices such as the terminal 20 and transmits the various data to the control unit 11. Further, the communication I / F 14 may be simply expressed as a communication unit. Further, when the communication I / F 14 is composed of a physically structured circuit, it may be expressed as a communication circuit.

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

The display 13 is typically realized by a monitor (not limited to, for example, a liquid crystal display or an OELD (organic electroluminescence display)). The display 13 may or may not be a head-mounted display (HDMI) or the like. It should be noted that these displays 13 may or may not be capable of displaying display data in 3D. In the present disclosure, the display 13 is not limited to these.

The clock unit 19 is a built-in clock of the server 10 and outputs time information (timekeeping information). The clock unit 19 is configured to include, for example, an RTC (Real Time Clock) as a hardware clock, a system clock, or the like, which is not limited. The clock unit 19 is not limited, but may be expressed as a time measuring unit or a time information detecting unit as an example.

(3) System Configuration of Store POS FIG. 2 shows an example of the system configuration of the store POS system 40.
The store POS system 40 is a POS system that is introduced and used in a store that is affiliated with a business operator that operates the server 10, and is not limited to the store code reader device 50, the code cash register 60, and the store. Includes server 70.

The store code reader device 50 is connected to the code cash register 60 and the store server 70 by POS communication I / F 57 (not limited to, for example, wired communication I / F or wireless communication I / F in the store), and the code cash register 60 is connected. At the time of checkout in, the terminal display code image displayed on the display unit 24 of the terminal 20 is read. Then, based on reading the terminal display code image, the payment request information is transmitted to the server 10 by the communication I / F 54, and after the payment is made on the server 10, information on the payment result (for example, a store described later). The payment completion notification) is received from the server 10 by the communication I / F54.

The store code reader device 50 is not limited, but as an example, the control unit 51, the input / output unit 52, the display unit 53, the communication I / F 54, the storage unit 55, the sound output unit 56, and the POS communication I / It has an F57, a code reader 58, and a clock unit 59.

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

The code cash register 60 is not limited, but as an example, is connected to the store code reader device 50 and the store server 70 by POS communication I / F 57, and is based on the store payment completion notification received by the store code reader device 50 from the server 10. , Issue a receipt printed with information such as the total amount of the sold products and the balance of electronic money of the user of the terminal 20. Further, as an example, not limited to this, a display provided integrally with the code cash register 60 or separately from the code cash register 60 and having a display surface facing the customer side may be configured. The code cash register 60 is a cash register configured to support a payment application, and can be said to be a stationary terminal compatible with the payment application.

The store server 70 is not limited, but as an example, for store information about its own store, information about products sold at its own store, information about services provided at its own store, sales of products at its own store, and provision of services. Manage various information such as information on the accompanying sales. The store server 70 is configured to be able to communicate with the store code reader device 50 and the code register 60 by POS communication I / F 57, and is also configured to be able to communicate with an external device such as the server 10 via the network 30.

The store server 70 does not necessarily have to be configured to be able to communicate directly with the store code reader device 50, and may be configured to be able to communicate with the store code reader device 50 via the code register 60. For example, the store payment completion notification received by the store code reader device 50 from the server 10 may be sent to the code cash register 60, and then sent from the code cash register 60 to the store server 70.

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

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

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

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

The storage medium is one or more semiconductor-based or other integrated circuits (ICs) (such as, but not limited to, field programmable gate arrays (FPGAs) or application-specific ICs (ASICs)), hardware. Disk drive (HDD), hybrid hard drive (HHD), optical disk, optical disk drive (ODD), magneto-optical disk, magneto-optical drive, floppy diskette, floppy disk drive (FDD), magnetic tape, solid It can include a drive (SSD), a RAM drive, a secure digital card, or a drive, any other suitable storage medium, or any suitable combination of two or more of these. The storage medium may be volatile, non-volatile, or a combination of volatile and non-volatile, where appropriate. The storage medium is not limited to these examples, and any device or medium may be used as long as the program P can be stored. Further, the storage medium may or may not be expressed as a memory.

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

Further, the program P of the present disclosure may or may not be provided to the server 10 and / or the terminal 20 via an arbitrary transmission medium (communication network, broadcast wave, etc.) capable of transmitting the program. .. The server 10 and / or the terminal 20 realizes the functions of the plurality of functional units shown in each embodiment by executing the program P downloaded via the Internet or the like, as an example without limitation.
The same applies to other devices.

In addition, each embodiment of the present disclosure can also be realized in the form of a data signal in which the program P is embodied by electronic transmission.
At least part of the processing in the server 10 and / or the terminal 20 may or may not be realized by cloud computing composed of one or more computers.
At least a part of the processing in the terminal 20 may or may not be performed by the server 10. In this case, at least a part of the processing of each functional unit of the control unit 21 of the terminal 20 may or may not be performed by the server 10.
At least a part of the processing in the server 10 may or may not be performed by the terminal 20. In this case, at least a part of the processing of each functional unit of the control unit 11 of the server 10 may or may not be performed by the terminal 20.
Unless explicitly stated, the configuration of the determination in the embodiment of the present disclosure is not essential, and a predetermined process is operated when the determination condition is satisfied, or a predetermined process is performed when the determination condition is not satisfied. It may or may not be.

The program disclosed in this disclosure is not limited to the use of script languages such as ActionScript and JavaScript (registered trademark), compiler languages such as Objective-C and Java (registered trademark), and markup languages such as HTML5. Will be implemented.

Further, in the present specification, the expression "by communication I / F" is used as appropriate. This indicates that the device transmits and receives various information and data via the communication I / F (via the communication unit) based on the control of the control unit (processor or the like), for example, without limitation. ..

<First Example>
In recent years, as applications related to network services (application software), applications such as applications for electronic payment by electronic currency (payment application), applications for electronic money transfer (money transfer application), and some functions of these applications. Alternatively, payment applications that integrate all functions are becoming widespread, and users of the terminal 20 can receive various services related to electronic currency using these applications.

The examples described below are not limited to examples, and are examples in which a user of the terminal 20 makes a payment by using a payment application stored and executed in the terminal 20. Specifically, we propose a method that enables appropriate settlement even when offline.

In the following, a business operator that provides a payment service using a payment application is referred to as a “payment service business operator”. The payment service business operator may or may not be expressed as a business operator that provides a payment application or a business operator of the server 10.

Further, in the following, it will be described that the server 10 is operated and managed by the payment service provider. In addition, in the following, the name of the payment application will be illustrated and described as appropriate as "Payment App".

Further, the payment application may be provided by the server 10 as a single application having no so-called messaging service (MS) function, or may be provided by the server 10 as a complex application having the MS function. May be provided by. Further, the messaging service may or may not include an instant messaging service (IMS: Instant Messaging Service) that enables transmission and reception of contents such as simple messages between terminals 20.

Further, the payment application may be provided by the server 10 as a single application having no so-called social networking service (SNS) function, or as a complex application having an SNS function. It may be provided by the server 10.

In addition, MS (including IMS) can also be considered as one form (one form) of SNS. Therefore, MS and SNS may or may not be distinguished.

In addition, stores affiliated with payment service providers are referred to as "member stores (member stores)", and are shown as "member store S1", "member store S2", ..., In FIG. ..

Further, "electronic money" is electronic money that is distinguished from physical money, and means electronic money owned by the terminal 20 or the user of the terminal 20 managed in the payment application, and is "payment". "" Means electronic payment using this electronic money.

In addition, electronic money may be expressed as "electronic money" or "digital currency (digital currency)", or may not be so.
Further, as "electronic money (electronic money)" or "digital currency (digital currency)", legal tender or virtual currency may be used.
In addition, cryptocurrency (cryptocurrency) may be included in "electronic money (electronic money)" and "digital currency (digital currency)".
Further, the virtual currency may include physical money such as a coupon.
The contents described in the first embodiment can be applied to any of the other embodiments.

<Payment method>
(1) Online payment First, as one aspect, an online payment method will be described with reference to a flowchart.

In the following, "online" means that the terminal 20 can communicate with the server 10, and "online state" means this online state. Further, "online payment" means that payment is performed by the server 10 in the online state.

In the following, communication between the terminal 20 and the server 10 is not limited, and as an example, a frequency band different from wireless LAN communication, which is realized via a base station or the like installed by a communication company (communication carrier), is used. It will be realized by the first communication method used. The first communication method includes, but is not limited to, packet communication (so-called mobile data communication in the terminal 20) as an example.

Further, as the communication method, a second communication method different from the first communication method may or may not be used. The second communication method includes, but is not limited to, a wireless LAN (for example, WiFi (registered trademark)) as an example.

Further, it may be defined as "online state" that the terminal 20 and the server 10 can communicate with each other by at least one of the first communication method and the second communication method. You may.

FIG. 3-1 is a flowchart showing an example of the flow of processing executed by each device in this case. From the left side, an example of a process executed by the control unit 21 of the terminal 20, a process executed by the control unit 51 of the store code reader device 50, and a process executed by the control unit 11 of the server 10 is shown.

Each step in each process is indicated by a combination of uppercase letters and numbers, and the term "step" is omitted herein.
In addition, the flowchart described below merely illustrates the processing in this embodiment, and in the flowchart described below, some steps may not be executed or additional steps may be inserted.
These also apply to the other flowcharts herein.

First, the control unit 21 transmits the code generation request information for requesting the generation of the terminal display code to the server 10 (via the communication I / F22) by the communication I / F22 (A110).

In the following, as an example, not limited to, "code information" means information stored in a code image by encoding or the like or information stored in a code image (hereinafter, "original" in the sense of original information. It will be described as a concept including "information") and a "code image" in which the original information is stored. That is, the "code information" includes the "original information" and the "code image".
The "original information" may or may not be expressed as "encoding information", "stored information", or the like.

Further, in the following, as an example rather than a limitation, the term "code" has substantially the same meaning as "code information".

However, these definitions are merely examples and are not limited to these.
For example, the term "code information" may or may not be used to mean "original information".
Further, for example, the term "code" may or may not be used to mean "code image".

In this embodiment, as an example of the above-mentioned original information, a number uniquely generated by the server 10 for each terminal 20 of the source of the code generation request information or for each user of the terminal 20, and having a predetermined number of digits. An example is a "payment number" which is a random number. The payment number is information associated with the terminal 20 or the user of the terminal 20, and can be said to be information used for payment by the server 10.

In the following, the payment code generated by the server 10 based on the code generation request information will be referred to as a "terminal display code", and the code image of this terminal display code will be referred to as a "terminal display code image".

Although the details will be described later, the above payment number is stored in the terminal display code image.
The payment number and the terminal display code image are examples of "first information" for making a payment using the code image, and are transmitted from the server 10.

In the following, a case where the information for requesting the server 10 to generate the terminal display code image is used as the code generation request information will be illustrated. That is, in this process, as an example, not limited, the terminal 20 requests the server 10 to generate the terminal display code image, and the A110 requests the server to generate the code generation request information for requesting the generation of the terminal display code image. Send to 10.

Further, in the present specification, the "terminal display code" will be described as a code used for payment in the payment type "terminal code display".
In the payment type "terminal code display", when the user of the terminal 20 makes a payment at a store or the like, the terminal display code image displayed on the terminal 20 is displayed on the store by using the payment application stored in the terminal 20. Present it to the clerk at the code register 60. Then, the settlement is realized by having the store code reader device 50 or the like read the code image for terminal display.
Since the terminal display code is a code (code image) presented by the user of the terminal 20 to a clerk of a store or the like, it can also be expressed as a "presentation code" or a "user presentation code".

The code generation request information transmitted by the A110 may include, but is not limited to, the terminal 20, or identification information for identifying the user of the terminal 20 as an example. For example, terminal identification information for identifying own terminal 20 (for example, terminal ID), user identification information for identifying a user of own terminal 20 (for example, user ID), account information for a payment application (for example, application ID). Etc. are included in this.

When the code generation request information is received from the terminal 20 by the communication I / F 14 (C110), the control unit 11 performs the terminal display code generation process (C120).

Specifically, as an example, not limited, a random number with a predetermined number of digits is used by using a method (algorithm) for generating a random number with a predetermined number of digits (for example, about 10 to 12 digits). Is generated as a payment number. Then, as an example, not a limitation, a terminal display code image including at least a payment number as original information is generated. More specifically, at least the payment number is encoded (encoded) and graphicized (imaged) to generate a terminal display code image represented by a two-dimensional code (for example, QR code) image. Further, the identification information of the terminal 20 or the user of the terminal 20 included in the received code generation request information is associated with the generated payment number and stored in the storage unit 15.

Next, the control unit 11 transmits the generated terminal display code (terminal display code image in this example) to the terminal 20 by communication I / F14 (C130). The terminal 20 receives the terminal display code (terminal display code image in this example) from the server 10 by the communication I / F 22 (A130). In this case, the control unit 21 causes the display unit 24 to display the received terminal display code image as an example, not a limitation.

After that, when the terminal display code image displayed on the display unit 24 is presented to the store clerk or the like by the user of the terminal 20, the control unit 51 displays the terminal display code displayed on the display unit 24 of the terminal 20. Control is performed so that the code reader 58 reads the image (B150).

After that, the control unit 51 accesses the server 10 by the communication I / F 54 using the application interface (API) or the like associated with the payment application provided (distributed) by the payment service provider, and at least reads the server 10. The payment number obtained by decoding from the terminal display code image, the identification information for identifying the store or the store code reader device 50 (hereinafter referred to as "store identification information"), and the amount to be settled (hereinafter, referred to as "store identification information"). The settlement request information including the "scheduled settlement amount") is transmitted to the server 10 by the communication I / F 54 (B160).

When the payment request information is received from the store code reader device 50 by the communication I / F 14 (C160), the control unit 11 performs the payment process (C170). Specifically, it is determined whether or not the payment number included in the received payment request information is stored in the storage unit 15 in association with the identification information of the terminal 20 or the user of the terminal 20. Then, if it is stored, it is determined that "payment is possible", and the balance of electronic money of the terminal 20 or the user of the terminal 20 identified from the identification information stored in association with the payment number (application of the payment application). Settlement is performed by subtracting the planned settlement amount from the balance of electronic money associated with the ID (hereinafter, simply referred to as "balance").

After that, the control unit 11 transmits a payment completion notification for the store (hereinafter, referred to as “store payment completion notification”) to the store code reader device 50 by communication I / F 14 (C180). The store payment completion notification includes, as an example, not limited to, the fact that the payment has been completed (successful), the date and time of the payment (settlement date and time), and the payment information for the store such as the payment amount (settlement amount). ..

Further, the control unit 11 transmits a payment completion notification for the terminal (hereinafter, referred to as “terminal payment completion notification”) to the terminal 20 by communication I / F14 (C190). The payment completion notification for terminals is not limited, but as an example, the fact that the payment has been completed (successful), the date and time of payment (settlement date and time), the store identification information of the store that settled (payment store identification information), and the amount of payment (payment store identification information) Includes payment information for terminals such as payment amount). Then, the control unit 11 ends the process.

Here, when the payment by the server 10 is successful, the payment completion notification for the store and the payment completion notification for the terminal are transmitted from the server 10, but the server 10 makes the payment due to insufficient balance or the like. You may not be able to do it. In this case, a notification to the effect that the payment could not be made (for example, a payment error notification, a payment NG notification) may be transmitted to the store code reader device 50 and the terminal 20.
The same applies to other processes.

When the store settlement completion notification is received from the server 10 by the communication I / F 54 (B180), the control unit 51 ends the process.

Further, when the terminal payment completion notification is received from the server 10 by the communication I / F 22, the control unit 21 updates the balance stored in the terminal 20 as the payment application data based on the received terminal payment completion notification. To do. Further, the control unit 21 causes the display unit 24 to display the payment result (A190). Then, the control unit 21 ends the process.

FIG. 3-2 is a diagram showing an example of a top screen displayed by the payment application executed by the terminal 20.
This top screen is a display screen displayed when the payment application is started, and "Payment APP", which is the name of the payment application, is displayed at the upper part of the screen. The balance (here, "3000 yen") is displayed in the frame below it, and a charge button for charging (adding) electronic money is displayed next to it. Below that, a plurality of function icons corresponding to various functions of the payment application are displayed.

Among these function icons, the icon indicated as "code" is not a limitation but, as an example, a "code icon" for displaying the code display screen on the display unit 24. When this code icon is touch-operated by the user of the terminal 20, the code generation request information is transmitted from the terminal 20 to the server 10 as an example, and the server 10 generates a terminal display code. Then, the generated terminal display code is transmitted from the server 10 to the terminal 20, and the code display screen shown in FIG. 3-3 is displayed on the display unit 24 of the terminal 20.

FIG. 3-3 is a diagram showing an example of a code display screen.
On this code display screen, the characters "code" are displayed at the top of the screen, and below that, the payment method, the points owned by the user, and whether or not to use those points for payment are set. A point tab for doing this is displayed.

Below that, as the code image of the terminal display code acquired from the server 10, a one-dimensional terminal display code image represented by a barcode and a two-dimensional terminal display code image QC0 represented by a QR code. Are displayed in different areas of the display screen. Further, below the barcode, a 12-digit payment number is displayed as an example.

Further, in this example, the terminal display code displayed on the code display screen has a deadline (hereinafter, referred to as "code expiration date") at which payment can be made using the code. .. The code expiration date is not limited, but as an example, "the date and time when the specified time (for example," 5 minutes ") has elapsed from the time (date and time) when the terminal display code was displayed (display started) on the terminal 20". can do. The specified time can be changed as appropriate.

The code expiration date is a deadline based on the code display time (code display date and time) on the terminal 20 side, and is the deadline for displaying the terminal display code on the terminal 20, so it can also be expressed as a "code display deadline". ..
The specified time can also be expressed as "code display time".

Then, under the code image QC0 for displaying the two-dimensional terminal, the remaining time until the code expiration date is displayed in a countdown format. The remaining time is displayed based on the information measured by the clock unit 29A of the terminal 20. When the remaining time becomes "0", this terminal display code cannot be used, and when making a payment, it is necessary to reacquire the terminal display code from the server 10.

The user of the terminal 20 presents the code display screen of FIG. 3-3 to the store clerk at the code cash register 60 by the code expiration date, and has the store code reader device 50 read the terminal display code image for payment. I do. In this case, the store code reader device 50 accesses the server 10 by the communication I / F 54 using the API or the like described above, and transmits the information necessary for payment to the server 10. As a result, the server 10 performs the payment process.

As described above, if the terminal 20 is configured to display the code display screen on the display unit 24 at the timing when the terminal 20 receives the terminal display code from the server 10, the server 10 is not limited to the terminal, but as an example. When the display code image is generated, the code expiration date is stored in association with the generated terminal display code image, and the associated code expiration date is notified to the terminal 20, and the code is used by the server 10 and the terminal 20. You can also share deadline information.

Up to this point, the processing for realizing online payment has been illustrated, but in order to apply the above processing, it is necessary that the terminal 20 and the server 10 are in a communicable state (online state). Of course, it is also necessary that the store code reader device 50 and the server 10 are in a communicable state.

However, when making a payment in a place with poor radio wave conditions such as underground, or when making a payment in a situation where the line is congested such as an event venue, the communication volume of the terminal 20 for a certain period (for example, one month) is a certain amount. It is assumed that it will be difficult to make a payment as a result of communication failure (or communication difficulty) between the terminal 20 and the server 10 when communication restrictions or communication speed restrictions are applied due to exceeding the limit. Will be done. Therefore, in the following, a method for realizing settlement even in such a case will be illustrated.

(2) Offline Payment An offline payment method as one aspect of the method of the present disclosure will be described with reference to a flowchart.
In the following, "offline" means that the terminal 20 cannot communicate with the server 10, and "offline state" means this offline state. Further, "offline payment" means that payment is performed by the server 10 in the offline state. Further, as a premise, it is assumed that the store code reader device 50 can communicate with the server 10.

Further, in the following, the payment code processed (including processing such as processing / generation and display) on the terminal 20 side based on the terminal display code generated by the server 10 is referred to as an "extended terminal display code". The code image of this extended terminal display code is referred to as an "extended terminal display code image".

The extended terminal display code is a code used for payment with the payment type "terminal code display" like the terminal display code, but it is a code that can be used not only for online payment but also for offline payment. ..

The extended terminal display code can be used not only for offline payment but also for online payment. That is, it is not essential for the terminal 20 to determine (detect) whether or not it is in the offline state, and it is possible to make a payment using the extended terminal display code regardless of the online state / offline state. It is possible.
This also applies to other embodiments.

FIG. 3-4 is a flowchart showing an example of the flow of processing executed by each device in this case. The way of reading the figure is the same as the above-mentioned flowchart.

The flowchart of FIG. 3-4 is a rewrite of the flowchart of FIG. 3-1 to an offline specification. The flowchart of FIG. 3-1 is not limited, but as an example, the processing step in the online state (for example, A240), the processing step in the offline state (for example, A250, B250, B280), and the case of returning from the offline state to the online state. (For example, A290, C290) are different.

After A130, the control unit 21 stocks the received terminal display code (terminal display code image in this example) in the storage unit 28 (A240).

Here, "stock" means that the received terminal display code is stored in the storage unit 28 so that it can be used later.
In addition, in this specification, "stock" may be simply expressed as "memory". In addition, stocking the terminal display code may be expressed as "storing the terminal display code in the terminal display code stock data".

In this process, in order to enable offline payment, the terminal display code (terminal display code image in this example) acquired from the server 10 in the online state is stocked (stored) in the storage unit 28 of the terminal 20. .. Then, when payment is required in the offline state, the stock terminal display code is used so that payment can be performed without having to communicate with the server 10.

This will be described in detail. It is assumed that the user goes offline after A240.
Here, the terminal 20 detects that the terminal 20 has been in the offline state by any of the following methods, as an example but not a limitation.

(A) While the payment application is being executed on the terminal 20, a connection confirmation request is transmitted from the server 10 to the terminal 20 at a periodic timing or a specific timing, and the terminal 20 identifies the connection confirmation request. A connection response including information (for example, application ID) is transmitted to the server 10. In this case, the control unit 21 of the terminal 20 determines that the user is in the offline state when the connection confirmation request is no longer received from the server 10.

(B) During execution of the payment application on the terminal 20, a connection notification including identification information (for example, application ID) is transmitted from the terminal 20 to the server 10 at a periodic timing or a specific timing, and the server 10 sends the connection notification. In response to the connection notification, the connection confirmation is transmitted to the terminal 20. In the offline state, the connection notification cannot be transmitted from the terminal 20 to the server 10. Therefore, as an example, not limited to this, when the control unit 21 of the terminal 20 detects the occurrence of a connection notification transmission error, it determines that the user is in the offline state.

It should be noted that, as an example, the terminal 20 acquires information on the communication status of its own terminal 20 by using a library or an application for acquiring the network connection status, and determines whether or not the terminal 20 is in the offline state. You may or may not do so.

In the offline state, when the terminal display code image stocked in A240 is displayed on the display unit 24 (A250) and presented to the store clerk or the like by the user, the control unit 51 is displayed on the display unit 24 of the terminal 20. Control is performed so that the code reader 58 reads the displayed terminal display code image (B250). Then, the control unit 51 shifts the processing to B160.

After B160, when the store payment completion notification is received from the server 10 by the communication I / F54 (B280), the store clerk or the like indicates that the offline payment has been completed (successful) based on the received store payment completion notification. Orally notify the user of the terminal 20.

After C180, the control unit 11 transmits a terminal payment completion notification to the terminal 20 (C290). However, in the offline state, the terminal 20 cannot receive the payment completion notification for the terminal. When the terminal 20 returns to the online state, the terminal 20 receives the payment completion notification for the terminal transmitted from the server 10. Then, when the terminal payment completion notification is received from the server 10 by the communication I / F 22, the control unit 21 causes the display unit 24 to display the payment result based on the received terminal payment completion notification (A290).

The process described above is an example of a process for performing offline payment.
Here, since the terminal display code is a one-time code, it is conceivable to set a code expiration date for the terminal display code for offline payment as well as online payment.

However, this method cannot be directly applied to offline payment. This is because, in the online state, the server 10 is communicating with the terminal 20, and it can be recognized that the terminal display code is displayed on the terminal 20, so that the code expiration date is set based on the timekeeping information of the clock unit 19 of the server 10. It can be determined whether or not it has passed. However, since the server 10 cannot communicate with the terminal 20 in the offline state, it cannot recognize that the terminal display code is displayed on the terminal 20.

Specifically, when the payment application is started on the terminal 20 in the online state, the identification information (for example, application ID) for identifying the terminal 20 or the user of the terminal 20 is provided from the terminal 20 as an example without limitation. It is transmitted to the server 10. As a result, the server 10 can recognize that the payment application has been started on the terminal 20. However, in the offline state, even if the payment application is started, the identification information cannot be transmitted from the terminal 20 to the server 10. Therefore, even if the terminal display code is displayed on the terminal 20, the server 10 cannot recognize it, so that the code expiration date cannot be specified.

Further, for example, a malicious user saves a terminal display code image displayed in the payment application of his / her own terminal 20 by a screenshot or the like on his / her own terminal 20, and saves the terminal display. There is a possibility of making a payment using the code image.
Further, there is a possibility that the terminal display code image displayed in the payment application of the terminal 20 of one user is captured by another user by the camera or the like of the terminal 20 of the user and the payment is performed.

<Functional configuration>
(1) Functional Configuration of Server FIG. 4-1 is a diagram showing an example of a function realized by the control unit 11 of the server 10 in this embodiment.

In the following, a case where the user of the terminal 20 uses the payment application stored in the terminal 20 to make a payment by the above-mentioned payment type “terminal code display” is illustrated as an example without limitation.

The server 10 has a payment management processing unit 111 as a function realized by the control unit 11.

The payment management processing unit 111 manages various information and data related to the payment application executed on the terminal 20 according to the payment management processing program 151 stored in the storage unit 15, and electronic money of the terminal 20 or the user of the terminal 20. It has a function to execute the payment management process for managing the payment by.

The payment management processing unit 111 is not limited to, but as an example, includes a terminal display code generation processing unit 1111 that generates a terminal display code by the terminal display code generation processing, and a payment processing unit 1113 that executes payment by the payment processing. Included as a functional part.

The terminal display code generation processing unit 1111 generates a terminal display code image represented by a two-dimensional code, not as a limitation but as an example. A two-dimensional code is a display-type code that has information in the horizontal and vertical directions, and is a matrix-type code in which small squares are arranged vertically and horizontally (hereinafter referred to as "matrix code") and a primary code. There is a stack type code (hereinafter referred to as "stack code") in which a plurality of original codes (bar codes as an example, not limited) are stacked one above the other.

In this embodiment, for the sake of simplification of explanation, a QR code (registered trademark), which is an example of a widely used matrix code, will be described as an example of a terminal display code.

In addition, unlike this embodiment, as a matrix code other than the QR code, a code such as an SP code, a veri code, a maxi code, a CP code, or a chameleon code may or may not be used. Further, various stack codes may or may not be used instead of the matrix code.

Further, the terminal display code generation processing unit 1111 generates a one-dimensional code (bar code as an example, not a limitation) in addition to a two-dimensional code (a QR code as an example, not a limitation) as a terminal display code. You may or may not do so. This is because some stores do not support reading of two-dimensional codes, but may support reading of one-dimensional codes.

The payment processing unit 1113 has a function of performing payment processing based on the information transmitted from the store POS system 40 and the information transmitted from the terminal 20 as an example, not limited to.

FIG. 4-2 is a diagram showing an example of information stored in the storage unit 15 of the server 10 in this embodiment.
The storage unit 15 stores, as an example, not a limitation, a payment management processing program 151 that is read by the control unit 11 and executed as a payment management processing as a program.

Further, the storage unit 15 stores user registration data 153, store registration data 155, payment management database 157, and code management data 159 as data, not by limitation.

The user registration data 153 is the registration data of the terminal 20 using the payment service and the user of the terminal 20, and an example of the data structure is shown in FIG. 4-3.
The user registration data 153 stores, as an example, not limited to, a user name, a terminal telephone number, a terminal email address, an application ID, an authentication password, and other registration information in association with each other.

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

The terminal telephone number is the telephone number of the terminal 20 of the user with this user name, and the telephone number of the terminal 20 registered when the user of the terminal 20 uses the payment application is stored.
The terminal e-mail address is the e-mail address of the terminal 20 of the user with this user name, and the e-mail address of the terminal 20 registered when the user of the terminal 20 uses the payment application is stored.
The terminal telephone number and the terminal e-mail address are examples of identification information (hereinafter, referred to as "terminal identification information") for identifying the terminal 20.

The application ID is an account (account information) of the payment application, and is an ID that can identify the terminal 20 or the user of the terminal 20. This application ID is not limited, but as an example, a unique ID is set and stored by the server 10.

The authentication password is an authentication password that requires the user to input when performing an authentication process for payment (hereinafter, simply referred to as "authentication process") on the terminal 20 of the user with this user name. The set password is stored.

It should be noted that the authentication process for settlement does not necessarily have to be performed, and it is possible not to perform it. In this case, it is not necessary to store the authentication password in the user registration data 153.

Other registration information is other registration information of the user with this user name, and is not limited to this, and includes, as an example, a user icon image which is image data of an icon used by the user in a payment application, a user profile, and the like. ..

The store registration data 155 is the registration data of the store that is affiliated with the business operator (the business operator of the server 10) that provides the payment application. A data configuration example of the store registration data 155A, which is an example of the store registration data 155, is shown in FIG. 4-4.
In the store registration data 155A, as an example, the type of business, the store name, the store location information, the store POS system information, and the store ID are stored in association with each other as store information.

The type of business of the store is stored in the type of business. This industry is not limited and includes various industries such as "convenience store", "supermarket", "pharmacy", "bar", "department store", "restaurant", "bookstore", "watch shop". Is done.

For each industry, the store name of the store included (belonging to) in that industry is stored in the store name.

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

In the store POS system information, information about the store POS system 40 used in this store is stored. The store POS system information includes, but is not limited to, information necessary for the server 10 to communicate with the store code reader device 50 and the store server 70.

Since the store POS system 40 performs processing in cooperation with the server 10, as an example, the software package for the payment application provided (distributed) from the server 10 is acquired in advance and the store code reader device 50 or the store is used. This software package can be stored in the server 70 and called from a program for payment processing in a store for use. An application programming interface (API) is an example, and the store code reader device 50 starts, for example, an API to transmit information to the server 10 and receive information from the server 10.

Further, the server 10 receives information such as the store industry, the store name, the store location information, and the store POS system information from the store server 70 of the store and stores the information in the store registration data 155, for example, without limitation. You can keep it.

The store ID is an ID that functions as identification information for identifying the store with this store name. This store ID is not limited, but as an example, a unique ID is set and stored for each store by the server 10.
The store ID is an example of store identification information.

The payment management database 157 is a database that accumulates and stores data for managing information related to the payment of the user of each terminal 20, and a configuration example of the payment management database 157A, which is an example thereof, is shown in FIG. 4-5.
The payment management database 157A stores payment management data generated for each terminal 20 or for each user of the terminal 20.

Each payment management data stores, as an example, not a limitation, an application ID, a balance, points, a daily upper limit set amount, an auto charge setting, and payment history data.

The application ID stored in the user registration data 153 is stored in the application ID.
The balance associated with this application ID is stored in the balance.

In the points, various services associated with the payment application and points that can be accumulated at member stores affiliated with the payment application operator are stored. The points are not limited, but as an example, each point has a value equivalent to 1 yen and can be exchanged for a gift certificate, a product, or the like, or can be cashed in a payment application and used for payment.

In the daily upper limit set amount, the upper limit amount per day of the amount that can be used for payment by the terminal 20 that owns this application ID or the user of the terminal 20 is stored.

The auto charge setting is a setting for whether or not to automatically replenish (auto charge) electronic money when the balance is low (for example, "500 yen") or "0 yen". If the auto charge is set by the user, "ON" is stored, and in other cases, "OFF" is stored. The auto charge is not limited, but as an example, it can be performed from a bank account or the like registered by the user of the terminal 20.

The payment history data is data related to the payment history of the user of this application ID, and is not limited, but as an example, for this application ID, the payment date and time, which is the date and time when the payment was made by the server 10, and the ID of the store where the payment was made. Is stored in chronological order in association with the store ID, the settlement store name which is the name of the store with the store ID, and the settlement amount which is the settlement amount.

In addition, it is not always necessary to store all the above information in the above payment management data. As an example, not a limitation, some or all of the points, the daily upper limit set amount, and the auto charge setting may not be stored in the payment management data.
Further, each time a payment is made, the payment history information may be transmitted to the terminal 20 and stored in the terminal 20, so that the server 10 does not store the payment history data.

The code management data 159 is data for managing a code (terminal display code in this embodiment), and is not limited, but is identified from the application ID stored in the user registration data 153 and the application ID. Data associated with the original information (for example, payment number) of the terminal 20 or the terminal display code image generated for the user of the terminal 20 is stored.

In addition to or in addition to the application ID, the terminal identification information such as the terminal telephone number stored in the user registration data 153 may or may not be stored in the code management data 159. You may.

(2) Functional Configuration of Terminals FIG. 4-6 is a diagram showing an example of functions realized by the control unit 21 of the terminal 20 in this embodiment.
The terminal 20 has a payment application processing unit 211 as a function realized by the control unit 21.

The payment application processing unit 211 has a function of executing payment application processing for performing processing related to payment based on the payment application software 281 stored in the storage unit 28.

The payment application processing unit 211 is not limited, but as an example, the extended terminal display code generation processing unit 2111 that executes the extended terminal display code generation processing and the code display processing unit 2113 that executes the code display processing are functional units. Including.

In this embodiment, the processing related to payment is not limited, but as an example, a process of acquiring a terminal display code from the server 10 (a process of requesting the server 10 to generate a terminal display code, or a process of generating a terminal display code). (Including the process of receiving the code from the server 10), the process of stocking the terminal display code acquired from the server 10, the process of displaying the stocked terminal display code image, and the extended terminal based on the stocked terminal display code. Settlement such as processing to generate a display code image (extended terminal display code generation process), process to display an extended terminal display code image (code display process), and process to obtain a terminal payment completion notification from the server 10. It is a concept including all the processes executed on the terminal 20 as the processes related to the payment, more specifically, the processes related to the payment.

FIG. 4-7 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
The storage unit 28 stores the payment application software 281 as application software acquired by downloading from the server 10 in advance, for example, without limitation.

The payment application software 281 includes, but is not limited to, the payment application program 282 and the payment application data 283 as examples.

Various data used in the payment application software are stored in the payment application data 283. The payment application data 283 stores, as an example, not limited to, terminal display code stock data 2831, payment data 2832, and store data 2833.

The terminal display code stock data 2831 stores the terminal display code data acquired from the server 10 in the online state.

The payment data 2832 is the payment data stored in the terminal 20, and the configuration of the payment data 2832A, which is an example thereof, is shown in FIG. 4-8.
The payment data 2832A stores, as an example, not a limitation, an application ID, points, a balance, a daily upper limit set amount, an auto charge setting, and payment history data.

Based on the terminal payment completion notification received from the server 10 after returning to the online state, the control unit 21 is not limited, but as an example, the payment date and time, which is the date and time when the payment was made by the server 10, and the store settled by the server 10. The store ID, which is the ID of the server, the settlement store name, which is the name of the store with the store ID, and the settlement amount, which is the amount settled by the server 10, are associated and stored in the settlement history data in chronological order.

The store data 2833 stores various store information stored in the store registration data 155A of the server 10 as an example without limitation.

The store data 2833 is not limited, but as an example, the latest store information can be delivered from the server 10 to the terminal 20 and updated at the timing of updating the payment application software 281.

Further, the storage unit 28 stores terminal data 289 as an example, not a limitation.
The terminal data 289 is data related to the terminal 20, and is not limited to the terminal data 289, and includes terminal identification information such as a terminal telephone number and a terminal email address, various setting information on the terminal 20 side, and the like.

<Display screen example>
FIG. 4-9 is a diagram showing an example of a top screen of a payment application displayed on the display unit 24 of the terminal 20 in this embodiment.
The configuration of the top screen is the same as that in FIG. 3-2, and here, a state in which the "code icon" is touched by the user of the terminal 20 is shown.

FIG. 4-10 is a diagram showing an example of a code display screen displayed on the display unit 24 of the terminal 20 in this embodiment. This code display screen is not limited, but as an example, it is displayed by touching the "code icon" as shown in FIG. 4-9 in the offline state.

On this code display screen, as the code image of the first extended terminal display code which is the extended terminal display code in this embodiment, a one-dimensional first extended terminal display code image represented by a barcode and The two-dimensional first extended terminal display code image QC1 represented by the QR code is displayed in different areas in the display screen. Further, below the one-dimensional first extended terminal display code image, a payment number represented by 12 digits is displayed.

The first extended terminal display code image (not limited, but an example of the first code image based on the first information and the time information) is a terminal display code image received from the server 10 and stocked on the terminal 20. This is a code image in which the original information (payment number in this example) stored in the terminal 20 and the time information (time stamp information in this example) generated on the terminal 20 side are encoded.

Here, the time stamp information is information indicating the date and time, date, time, etc. when a specific event (specific event) occurred, and information and data (here, the first one) associated with the time stamp information. The extended terminal display code) functions as an electronic time certificate to prove that it surely existed at a certain time.

In this example, "the first extended terminal display code image is displayed on the display unit 24 of the terminal 20" is set as a specific event, and the control unit 21 of the terminal 20 sets the first extended terminal display code image. Generates time stamp information including the time when is displayed (display is started) (hereinafter, referred to as "code display time"). The code display time and time stamp information are examples of "time information" and are generated based on the information measured by the clock unit 29A of the terminal 20.

The code display time determines the deadline for making a payment using the first extended terminal display code image (hereinafter, referred to as "first code expiration date"). In this embodiment, as an example, not limited to, "the date and time when the first specified time (for example," 5 minutes ") has elapsed from the code display time (code display date and time)" is set as the first code expiration date. The setting of the first specified time can be changed as appropriate.

The first code expiration date is the deadline based on the code display time (code display date and time) on the terminal 20 side, and is the deadline for displaying the extended terminal display code on the terminal 20, so that the "first code display deadline" It can also be expressed as.
Further, the first specified time can also be expressed as "first code display time".

In addition, instead of or in addition to the code expiration date and the code display period, the code usage period and the code display period may or may not be set. For example, if the code image for display of the extended terminal is read by the store code reader device 50 or the like within the code usage period or the code display period, payment can be made, while the extended terminal after the code usage period or the code display period has elapsed. If the display code is read by the store code reader device 50 or the like, payment cannot be made.

Further, the code expiration date (code display expiration date) may or may not be used in the meaning of "period".
For example, the above-mentioned first code expiration date may be defined as "the period from the code display time (code display date and time) to the elapse of the first specified time" as an example, not limited to that. It does not have to be.

When making an offline payment, the user of the terminal 20 presents the code display screen of FIG. 4-10 to the store clerk at the code cash register 60 by the first code expiration date, and the code image for displaying the first extended terminal. Is read by the store code reader device 50 to make a payment. In this case, the store code reader device 50 transmits the payment request information including the information (in this example, the payment number and the time stamp information) acquired by decoding from the read first extended terminal display code image to the server 10. Then, the server 10 is made to make a payment.

FIG. 4-11 is a diagram showing an example of a payment result screen displayed on the display unit 24 based on the terminal payment completion notification received from the server 10 after returning from the offline state to the online state.
On this payment result screen, details can be confirmed from "Payment history" along with the words "Payment completed" in the center of the screen of the code display screen shown in Fig. 4-10. Message and a "confirmation icon" for confirming the payment history are displayed in a pop-up format.

In the above display screen example, the user of the terminal 20 can display the code display screen by touching, for example, the code icon without being aware of whether the terminal 20 is in the online state or the offline state. Convenience can be improved.

<Processing>
FIG. 4-12 is a flowchart showing an example of the flow of processing executed by each device in this embodiment. From the left side, the first payment application process, which is an example of the payment application process executed by the control unit 21 of the terminal 20, and the first store, which is an example of the store payment process executed by the control unit 51 of the store code reader device 50. The first settlement management process, which is an example of the settlement process and the settlement management process executed by the control unit 11 of the server 10, is shown respectively.

The flowchart of FIG. 4-12 is a partial rewrite of the flowchart of FIG. 3-4. As an example, not limited to the flowchart of FIG. 3-4, the processing steps in the offline state (for example, A350, B350, B360) are different.

In this process, as an example, the terminal 20 or the identification information for identifying the user of the terminal 20 is the application ID described above.

In A240, the control unit 21 stores the terminal display code in the terminal display code stock data 2831 of the storage unit 28.

In the offline state, as an example, not limited to, when a code display operation is performed by the user of the terminal 20, the extended terminal display code generation processing unit 2111 performs the extended terminal display code generation process (X) and displays the code. The processing unit 2113 performs the code display process (X) (A350).

In the extended terminal display code generation process (X), the above-mentioned first extended terminal display code image is generated as an example without limitation. Specifically, the payment number acquired by decoding from the terminal display code image stocked in the terminal display code stock data 2831 and the time stamp information generated by the control unit 21 are encoded (encoded). The code image for displaying the first extended terminal is generated by graphicizing (imaging).

Although some stores do not support reading of two-dimensional codes, they may be able to read one-dimensional codes. Therefore, the terminal display code generation processing unit 1111 displays a first extended terminal represented by a one-dimensional code (a bar code as an example, not a limitation) in addition to a two-dimensional code (a QR code as an example, not a limitation). The code image may or may not be generated.

Further, instead of the code display time, the time stamp information including the "code display date and time" including the date information in addition to the time may or may not be generated.

Further, in order to prevent a third party from deciphering the original information, the information obtained by encrypting the payment number or the time stamp information may or may not be encoded.

Further, instead of encoding the time stamp information, the code display time or the code display date and time itself may or may not be encoded.

In the code display process (X), as an example, not limited to, at least a code display screen including the first extended terminal display code image is displayed on the display unit 24.

As described above, when the two-dimensional first extended terminal display code image is generated in the extended terminal display code generation process (X), the two-dimensional first extended terminal is not limited, but as an example. The display code image can be displayed.

Further, when the one-dimensional first extended terminal display code image is also generated in the extended terminal display code generation process (X), the two-dimensional first extended terminal display code image is not limited, but as an example. In addition, it is possible to display a one-dimensional first extended terminal display code image. In this case, the payment number may or may not be displayed in the vicinity of the one-dimensional first extended terminal display code image.

After that, when the first extended terminal display code image displayed on the display unit 24 is presented to the store clerk or the like by the user of the terminal 20, the control unit 51 is displayed on the display unit 24 of the terminal 20. Control is performed so that the code reader 58 reads the code image for displaying the extended terminal of 1 (B350).

The control unit 51 accesses the server 10 by the communication I / F 54. Then, the control unit 51 transmits at least the payment request information including the payment number and time stamp information acquired by decoding, the store identification information, and the scheduled payment amount to the server 10 by the communication I / F 54 (B360). ).

When the payment request information is received from the store code reader device 50 by the communication I / F 14 (C160), the control unit 11 performs the payment processing (C370).

Specifically, it is determined whether or not the payment number included in the received payment request information is stored in the code management data 159 in association with the application ID. Further, the time difference between the current time (time at the time of payment) measured by the clock unit 19 of the server 10 and the code display time specified from the time stamp information included in the received payment request information is the second. It is determined whether or not the time is equal to or less than the specified time of 1 (may be less than the same; the same applies hereinafter). Then, when these conditions are satisfied, it is determined that "settlement is possible", and the scheduled settlement amount is subtracted from the balance stored in the settlement management data of the application ID in the settlement management database 157A to settle the settlement.

<Code>
In the above processing, the terminal 20 requests the server 10 to generate the terminal display code image, and the terminal display code image generated by the server 10 is transmitted to the terminal 20. Not limited to this. For example, the terminal 20 may request the server 10 to generate the original information (payment number in this example), and the original information generated by the server 10 may be transmitted to the terminal 20. You don't have to do that.

Specifically, in the process of FIG. 3-1 in A110, the control unit 21 transmits code generation request information for requesting the server 10 to generate the original information. Then, based on this code generation request information, in C120, the control unit 11 generates the original information, and in C130, the generated original information is transmitted to the terminal 20.

When the original information is received from the server 10 in the A130, the control unit 21 generates a terminal display code image based on the received original information. Then, the control unit 21 causes the display unit 24 to display the generated terminal display code image.

Similarly, in the process of FIG. 3-4, when the original information is received from the server 10 in A130, the control unit 21 stores the received original information in the terminal display code stock data 2831 in A240. Then, the control unit 21 reads the stocked original information from the terminal display code stock data 2831, and generates a terminal display code image based on the read original information. Then, in A250, the control unit 21 causes the display unit 24 to display the generated terminal display code image.

Similarly, in the process of FIG. 4-12, when the original information is received from the server 10 in A130, the control unit 21 stores the received original information in the terminal display code stock data 2831 in A240. Then, the control unit 21 reads the stocked original information from the terminal display code stock data 2831 in the A350, and the first extended terminal including the read original information and the time stamp information generated by the control unit 21. Generate a code image for display.

Further, unlike the above, the terminal 20 requests the server 10 to generate the terminal display code image, and the terminal display code image generated by the server 10 is transmitted to the terminal 20, but on the terminal 20 side, Instead of stocking the terminal display code image received from the server 10, the original information acquired by decoding from the terminal display code image received from the server 10 may or may not be stocked. Good.

<Effect of the first embodiment>
According to the first embodiment, as an example, not limited to the case, the server can be made to make a payment based on time information such as a code display time at the time of offline payment. In addition, it is possible to prevent unauthorized settlement by saving the terminal display code image displayed on the terminal 20 by a screenshot or the like.

Specifically, in the first embodiment, the terminal 20 uses the payment number (or the terminal display code image including the payment number) (not limited, but an example of the first information) transmitted from the server 10. Received by communication I / F22. Then, the terminal 20 stores the received payment number in the storage unit 28 by the control unit 21. Further, the terminal 20 is an example of a first extended terminal display code image (not limited, but an example of a first code image) based on a stored payment number and time stamp information (an example of time information, not limited). ) Is displayed in one area of the code display screen (not limited, but an example of the display area). The time stamp information includes information on the code display time, and payment is executed by the server 10 based on the payment number received by the server 10 based on the display of the code image for displaying the first extended terminal and the time stamp information. It shows the configuration to be done.
As an example of the effect obtained by such a configuration, the first information transmitted from the server is stored in the storage unit of the terminal, and the first code image based on the stored first information and the time information is stored in the terminal. Display in the display area of. The time information includes time information based on the display in the display area of the first code image, and payment is made by the server based on the first information received by the server based on the display of the first code image and the time information. Will be executed. For this reason, for example, it is possible to make the server perform offline payment based on the time information and the first information stored in the storage unit of the terminal in advance, which improves the convenience of the terminal user. Can be done.

Further, the first embodiment shows a configuration in which the first extended terminal display code image (not limited, but an example of the first code image) is one code image based on the payment number and the time stamp information. ing.
As an example of the effect obtained by such a configuration, by displaying one code image based on the first information and the time information, one code image displayed in the display area of the terminal can be read by an external code reader. You can easily make a payment just by letting them do it.

Further, in the first embodiment, the payment is made by sending the payment number and the time stamp information to the server 10 based on the code image for displaying the first extended terminal being read by a code reading device such as a store. It shows the configuration executed by the server 10 based on the serial number and the time stamp information.
As an example of the effect obtained by such a configuration, the settlement is based on the fact that the first code image is read by the code reading device, and the first information and the time information are sent to the server to obtain the first information. Since the server executes the payment based on the time information, the server can easily make a payment based on the first code image displayed in the display area of the terminal.

Further, in the first embodiment, the terminal 20 reads the payment application program 282 from the memory that stores the payment application program 282 (not limited, but an example of the program), and executes the payment application process based on the payment application program 282. Equipped with a processor. Then, the processor receives the payment number (not limited, but an example of the first information) transmitted from the server 10 via the communication I / F 22, and stores the received payment number in the storage unit 28. , The first extended terminal display code image (an example of the first code image, not the limitation) based on the payment number and the time stamp information (an example of the time information, not the limitation) is one of the code display screens. Display in the area (not limited, but an example of the display area of the terminal). The time stamp information includes information on the code display time, and payment is executed by the server 10 based on the payment number received by the server 10 based on the display of the code image for displaying the first extended terminal and the time stamp information. It shows the configuration to be done.
As an example of the effect obtained by such a configuration, for example, based on the time information and the first information stored in the storage unit of the terminal in advance, it is possible to make the server perform offline payment, and the terminal can be used. It is possible to improve the convenience of the user.

<First modification (1)>
In the first embodiment, the terminal 20 generates a code image for displaying the first extended terminal in which the time information is encoded, and the generated code image for displaying the first extended terminal is read by the store code reader device 50. Therefore, the time information acquired by decoding is transmitted from the store code reader device 50 to the server 10, but the present invention is not limited to this.

Specifically, the time information may not be encoded in the first extended terminal display code image. In this case, for example, even if the communication cannot be performed by the first communication method described above, if the communication can be performed by the second communication method, the time information is transmitted from the terminal 20 by the second communication method. It is transmitted to the store code reader device 50. Alternatively, if short-range wireless communication methods such as Bluetooth and infrared communication can be used, time information is transmitted from the terminal 20 to the store code reader device 50 by these communication methods. Alternatively, the time information is displayed on the display unit 24 of the terminal 20 separately from the code image, and the display screen is presented to the store clerk by the user of the terminal 20, so that the store clerk or the like manually sets the store code reader device. Enter the time information in 50. Then, the time information can be transmitted from the store code reader device 50 to the server 10.

<First modification (2)>
In the first embodiment, the "time information" in the present disclosure is the time (code display time) or date and time (code display date and time) at which the terminal display code image is displayed on the terminal 20, or the time stamp information including these. However, it is not limited to these.

First, the "time information" in the present disclosure is not limited to indicating pinpoint timing such as a certain time or date and time, but also a time (length of time) represented by a fixed time width as "time information". You may or may not have to do so. In this case, as an example, not limited to the above, the same processing as above may be performed using the time (length of time) when the terminal display code image is displayed on the terminal 20 as time information. It does not have to be.

Further, as an example, not limited to the time (code generation time) and date / time (code generation date / time) when the terminal display code image is generated by the terminal 20, the terminal display code is displayed on the display unit 24 as internal processing of the terminal 20. The same processing as above may or may not be performed by using the time and date and time when the preparation is started and the time and date and time when the preparation is completed as "time information".

<First modification (3)>
In the first embodiment, the server 10 may perform the payment processing based on the information of the code display time and the time when the terminal display code image is read by the store code reader device 50, and in that way. It does not have to be.

In this case, as an example, not limited to, in the process of FIG. 4-12, when the control unit 51 of the store code reader device 50 reads the code image for displaying the first extended terminal in the B350, the communication I / in the B360. The server 10 is accessed by F54. Then, the control unit 51 reads at least the payment number and the time stamp information acquired by decoding and the time when the store code reader device 50 reads the code image for displaying the first extended terminal (hereinafter, "code reading time"). The settlement request information including the store identification information and the scheduled settlement amount is transmitted to the server 10 by the communication I / F 54.

When the payment request information is received from the store code reader device 50 by the communication I / F 14 (C160), the control unit 11 performs the payment processing (C370). In this settlement process, the control unit 11 performs the following processing as an example without limitation.

(A) First, the time difference between the time measured by the clock unit 19 of the server 10 (current time, time at the time of payment) and the code display time specified from the time stamp information included in the received payment request information. However, it is determined whether or not the time is equal to or less than the first specified time.
(B) Second, it is determined whether or not the difference between the code reading time included in the received payment request information and the code display time is equal to or less than the first specified time.

Then, the control unit 11 determines that "settlement is possible" when both the above conditions (A) and (B) are satisfied, not as a limitation but as an example.

Here, it is decided that the server 10 determines whether or not payment is possible based on the reading time (code reading time) of the code image for displaying the first extended terminal by the store code reader device 50. However, it is not limited to this.

Specifically, as an example, not limited to, the time when the server 10 transmits the payment request information to the server 10 by the store code reader device 50 as "time information based on the reading of the code image by the code reading device" ( It may or may not be determined whether or not payment is possible based on the payment request information transmission time).

Further, as an example, not limited to, as "time information based on the reading of the code image by the code reading device", at the time when the server 10 receives the payment request information from the store code reader device 50 (payment request information reception time). Based on this, it may or may not be possible to determine whether or not payment is possible.

Further, as an example, not limited to, as "time information based on the reading of the code image by the code reading device", the time when the server 10 recognizes that the payment request information is transmitted from the store code reader device 50, and the reception It may or may not be possible to determine whether or not payment is possible based on the time when the information included in the payment request information is identified.

<Effect of the first modification (3)>
In this modification, the payment is performed by the time information on the terminal 20 side and the information on the reading time of the first extended terminal display code image by the store code reader device 50 (not limited to the first code image by the code reading device). The configuration executed by the server 10 is shown based on (an example) of time information based on reading.
As an example of the effect obtained by such a configuration, it is possible to appropriately settle the payment by the server based on the time information and the time information based on the reading of the first code image by the code reading device. ..

Further, in this modification, the payment is performed by the time information on the terminal 20 side and the information on the reading time of the first extended terminal display code image by the store code reader device 50 (not limited, but the first code by the code reading device). An example of time information based on reading an image) indicates a configuration executed by the server 10 when it is within the expiration date set by the server 10.
As an example of the effect obtained by such a configuration, for example, even if there is a discrepancy between the time information and the time information based on the reading of the first code image by the code reading device, it is set by the server. It is possible to make the payment after the server appropriately determines whether or not the payment is possible based on the expiration date.

Further, in this modification, the server 10 transmits the payment number (not limited, but an example of the first information) to the terminal 20 by the communication I / F14. Then, the server 10 stores a first extended terminal display code image (an example of a first code image, not a limitation) based on a payment number and time stamp information (an example of time information, not a limitation). Based on the reading by the code reader device 50, the payment number based on the code image for displaying the first extended terminal and the time stamp information transmitted from the store code reader device 50 are received by the communication I / F14. .. Then, the server 10 shows a configuration in which payment is performed based on the payment number, the code display time specified from the time stamp information, and the code reading time by the store code reader device 50.
As an example of the effect obtained by such a configuration, the server makes a payment without error based on the first information, the time information, and the time information based on the reading of the first code image by the code reading device. Can be done.

In the above payment process, the control unit 11 of the server 10 may or may not determine whether or not to perform the payment as follows.

(A) The time difference between the time measured by the clock unit 19 of the server 10 (current time, time at the time of settlement) and the code display time specified from the time stamp information included in the received settlement request information is the first. Judge whether it is less than or equal to the specified time of.
(B) Whether the time difference between the time measured by the clock unit 19 of the server 10 (current time, time at the time of settlement) and the code reading time included in the received settlement request information is equal to or less than the first specified time. Judge whether or not.

Then, the server 10 determines that "settlement is possible" when the above condition (a) is satisfied, or when the above condition (a) is not satisfied but the condition (b) is satisfied.

By doing so, for example, the specified time has elapsed from the time specified from the time information, but the specified time has not elapsed from the time when the first code image is read by the code reading device. In some cases, payment can be made on the server.

<First modification (4)>
The terminal display code stock data 2831 of the storage unit 28 of the terminal 20 may store one code acquired from the server 10 in the online state, but a plurality (two or more) acquired from the server 10 in the online state. It is also possible to memorize the code of.

By doing so, since a plurality of codes can be stocked on the terminal 20, even if it becomes necessary to perform offline payment multiple times, it is possible to make the payment immediately. The convenience of the user can be improved.

<First modification (5)>
In the first embodiment, the "first information" in the present disclosure is a payment number and a terminal display code image including the payment number, but the present invention is not limited to this. For example, a token which is a kind of authentication information and a terminal display code image including the token can be used as the "first information" in the present disclosure.

In this case, instead of including the payment number in the extended terminal display code image, the token issued by using a method (algorithm) for generating a random token may be included in the extended terminal display code image. , You don't have to do that. In this case, on the server 10 side, the identification information for identifying the terminal 20 or the user of the terminal 20 and the issued token may be associated and stored in the storage unit 15.

The "token" is not limited, but as an example, is a kind of authentication information for the server 10 to authenticate that the terminal 20 or the user of the terminal 20 is a user of the legitimate terminal 20 or the legitimate terminal 20. is there. The "authentication information" is information issued by a certificate authority, and the above token functions as authentication information issued by the server 10 as a certificate authority to authenticate the terminal 20 or the user of the terminal 20.

The token can also be expressed as, for example, a "random token", an "access token", a "payment token", or the like. Since the tokens are randomly issued as described above, they become different tokens each time the terminal display code is generated. Therefore, the token functions as a so-called one-time password.

In addition to the payment number and token, the server 10 is an example of access information for the store code reader device 50 that reads the terminal display code image to access the website or web page provided by the server 10. Information such as a URL (Uniform Resource Locator) for accessing a payment page, which is a type of web page to be provided, may or may not be included.

<First modification (6)>
In A130 of the process of FIG. 3-4, the processes of A240 and A250 are performed at the timing when the terminal 20 receives the terminal display code from the server 10, and the terminal display code is displayed on the display unit 24. You may or may not have to do so.

Further, in A130 of the process of FIG. 4-12, at the timing when the terminal 20 receives the terminal display code from the server 10, the processes of A240 and A350 are performed, and the first extended terminal display code is displayed on the display unit 24. It may or may not be displayed.

In this case, as an example, not limited, when the code icon is touched on the top screen of the payment application (for example, FIG. 3-2), the code display screen of the terminal display code or the code of the first extended terminal display code The display can be switched to the display screen (for example, FIG. 4-10).

<First modification (7)>
The display screen of the payment application described in the first embodiment is merely an example, and the design can be changed as appropriate.

FIG. 4-13 is a diagram showing an example of a top screen of a payment application displayed on the display unit 24 of the terminal 20 in this modified example.
On this top screen, in addition to the above-mentioned "code icon", a "code (offline) icon" indicated as "code (offline)" is displayed.

In this modification, the "code icon" is an icon for displaying the code display screen in the online state, and the "code (offline) icon" is an icon for displaying the code display screen in the offline state.

FIG. 4-14 is a diagram showing an example of a code display screen displayed on the display unit 24 of the terminal 20 in this modification. This code display screen is displayed by touching the code (offline) icon on the above top screen.
In this code display screen, "code (offline)" is displayed at the upper part of the screen, and the same information as the code display screen of FIG. 4-10 is displayed below the code display screen.

In this display screen example, when it is detected that the terminal 20 is in the offline state, the extended terminal display code is displayed on the code display screen according to the user operation, and the offline payment is performed using the extended terminal display code. be able to.

<First modification (8)>
The code display screen described in the first embodiment is merely an example, and the design can be changed as appropriate.

For example, it may be difficult to encode both the first information and the time information due to restrictions on the amount of information that can be stored in the code image. Therefore, it is also possible to generate and display two code images for displaying extended terminals in which these information are encoded separately.

FIG. 4-15 is a diagram showing an example of a code display screen in this modified example.
On this code display screen, there are two code images for the extended terminal display in this modification, a two-dimensional second extended terminal display code image QC2 and a two-dimensional third extended terminal display code image QC3. The code images are displayed side by side.

The second extended terminal display code image QC2 is not limited, but as an example, the original information received from the server 10 and stored in the terminal display code image stocked in the terminal 20 (in this example, the payment number). Is the encoded code image.
The third extended terminal display code image QC3 is not limited, but is, as an example, a code image in which the time information (time stamp information in this example) generated on the terminal 20 side is encoded.

The arrangement of the second extended terminal display code image QC2 and the third extended terminal display code image QC3 on the code display screen of FIG. 4-15 is merely an example, and the settings can be changed as appropriate. In addition to being arranged in the horizontal direction, it may be arranged in the vertical direction or the diagonal direction. Further, the display positions of the two code images may be reversed.

In this modification, in the extended terminal display code generation process (X) of FIG. 4-12, the terminal display code generation processing unit 1111 has a second extended terminal display code image and a third extended terminal display. Generate a code image.

Specifically, when the terminal display code image is stocked in the terminal display code stock data 2831, this is used as it is as the second extended terminal display code image. On the other hand, when the payment number is stocked in the terminal display code stock data 2831, the payment number is encoded (encoded) and graphicized (imaged) to form a second extended terminal display code image. To generate.
In addition, time stamp information including the code display time is generated based on the information measured by the clock unit 29A. Then, the generated time stamp information is encoded (encoded) and graphicized (imaged) to generate a third extended terminal display code image.

Although some stores do not support reading of two-dimensional codes, they may be able to read one-dimensional codes. Therefore, the terminal display code generation processing unit 1111 displays a second extended terminal represented by a one-dimensional code (bar code as an example, not a limitation) in addition to the two-dimensional code (QR code as an example, not a limitation). The code image for display and the code image for displaying the third extended terminal may or may not be generated.

When making an offline payment, the user of the terminal 20 presents the code display screen of FIG. 4-15 to the store clerk at the code cash register 60 by the first code expiration date, and the code image for displaying the second extended terminal. The payment is made by having the store code reader device 50 read the code image for displaying the third extended terminal. In this case, the store code reader device 50 decodes the information (payment number in this example) obtained by decoding from the read second extended terminal display code image and the read third extended terminal display code image. The payment request information including the information (time stamp information in this example) acquired by the above is transmitted to the server 10, and the server 10 is made to perform the payment.

The second extended terminal display code image and the third extended terminal display code image are not limited to the method of being read separately by the store code reader device 50, and the second extended terminal display code image and the second extended terminal display code image are used. Based on the detection that the code image for displaying the third extended terminal is within one frame of the code reader 58, the code images for displaying the two extended terminals are read together (collectively). You may or may not have to do so.

<Effect of the first modification (8)>
In this modification, the extended terminal display code image (not limited, but an example of the first code image) is displayed in one area of the code display screen (not limited, but an example of the first area). An extended terminal display code image (an example of a second code image, not a limitation) and a third extended terminal display code displayed in another area of the code display screen (an example of a second area, not a limitation). The configuration including the image (not limited, but an example of the third code image) is shown.
As an example of the effect obtained by such a configuration, a second code image based on the first information is displayed in the first area, and a third code image based on the time information is displayed in the second area. Even if it is difficult to include the information in the code image, by having an external reading device read the third code image, the time information can be sent to the server to make a payment.

In addition to the above, as an example, not limited to the above, the first code is based on the information timed by the clock unit 29A of the terminal 20 in an area different from the area where the extended terminal display code image is displayed. Information such as the remaining time until the expiration date may or may not be displayed.

<Second Example>
In the first embodiment, an example of a method for realizing offline payment has been described. However, if there is a discrepancy between the time measured by the clock unit 29A of the terminal 20 and the time measured by the clock unit 19 of the server 10, the above method cannot be applied as it is. There is sex.

Specifically, for example, when the time measured by the clock unit 29A of the terminal 20 deviates from the time measured by the clock unit 19 of the server 10 due to the accumulation of errors, or when the user is in a foreign country and the terminal 20 If the time of is deviated from the standard time of Japan, it may not be possible to apply the above method as it is.

In addition to such a time lag, there is also a risk that a malicious user may perform an operation such as returning the time of his / her terminal 20 to a past time to cause the server 10 to make an illegal payment. is assumed.

The contents described in the second embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already described are designated by the same reference numerals, and the description thereof will be omitted again.

FIG. 5-1 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
In this embodiment, the terminal data 289 includes the terminal setting data 2891. Further, the terminal setting data 2891 includes time adjustment setting data 2892 as an example without limitation.

The time adjustment setting data 2892 is setting data relating to the clock unit 29A of the terminal 20, and is not limited, but as an example, a setting for automatically adjusting the time of the clock unit 29A on the terminal 20 (hereinafter, referred to as “time automatic adjustment”). Information indicating whether or not the time is set (for example, the time automatic adjustment setting "ON" / "OFF" on the terminal 20 side) is stored.

As a method for automatically adjusting the time, a method using a protocol for time synchronization such as NTP, a method for synchronizing the time using a satellite positioning system such as GPS, or the like can be applied as an example without limitation. ..

<Processing>
FIG. 5-2 is a flowchart showing an example of the flow of processing executed by each device in this embodiment. From the left side, the second payment application process, which is an example of the payment application process executed by the control unit 21 of the terminal 20, and the first store, which is an example of the store payment process executed by the control unit 51 of the store code reader device 50. The first settlement management process, which is an example of the settlement process and the settlement management process executed by the control unit 11 of the server 10, is shown respectively.

The flowchart of FIG. 5-2 is the flowchart of FIG. 4-12 with the step of A445 added.

After A240, when the code display operation is performed by the user of the terminal 20 as an example, not limited to the offline state, the control unit 21 refers to the time adjustment setting data 2892 of the storage unit 28 and sets the time automatic adjustment. Is determined to be "ON" (A445). Then, if it is determined that it is "ON" (A445: YES), the control unit 21 shifts the process to A350.

On the other hand, if it is determined that the time automatic adjustment setting is not "ON" ("OFF") (A445: NO), the control unit 21 does not perform the processing after A350, and the first step is performed. End the payment application process of 2.

<Effect of the second embodiment>
In the second embodiment, the terminal 20 sets the time automatic adjustment of the clock unit 29A (not limited, but an example of the setting related to the automatic time adjustment of the terminal). The code image for displaying the first extended terminal (not limited, but an example of the first code image) has a configuration of being displayed on the display unit 24 when the time automatic adjustment setting is "ON". Shown.
As an example of the effect obtained by such a configuration, the terminal can be set to automatically adjust the time of the terminal. Further, the first code image is displayed in the display area based on the setting related to the automatic adjustment. Therefore, for example, if the setting for automatic adjustment is made, the first code image is displayed on the terminal to enable payment, but if the setting for automatic adjustment is not made, the first code is displayed. It is possible to disable payment without displaying the image on the terminal. As a result, even if the time of the terminal and the time of the server are different from each other, or even if the user of the terminal commits an illegal act, the server can be made to make an appropriate payment.

<Second modification (1)>
In the second embodiment, when performing offline payment, the terminal 20 may give a notification (notification) to the user of the terminal 20 to confirm whether or not the automatic time adjustment is "ON". You may or may not have to do so.

FIG. 5-3 is a diagram showing an example of the function realized by the control unit 21 of the terminal 20 in this modified example.
In addition to the extended terminal display code generation processing unit 2111 and the code display processing unit 2113, the payment application processing unit 211 of the control unit 21 uses the time automatic adjustment confirmation notification processing unit 2114 as a functional unit, not by limitation. Including.

The time automatic adjustment confirmation notification processing unit 2114 has a function of notifying the user of his / her terminal 20 whether or not the setting of the clock unit 29A is the time automatic adjustment.

In this case, the time automatic adjustment confirmation notification processing unit 2114 is not limited to, but as an example, before A445 of the process of FIG. 5-2, whether or not the time automatic adjustment setting is "ON" is set on the terminal 20. The display unit 24 displays a time automatic adjustment confirmation screen including a message for confirmation by the user.

By doing so, it is possible to make the terminal user confirm how the setting related to the automatic adjustment of the time of the terminal is set when performing offline payment. In this case, the terminal user, for example, sets the time automatic adjustment setting to "ON" when the time automatic adjustment setting is "OFF". As a result, the first code image is displayed on the display unit 24 and read by the code reader device, so that the server 10 can make a payment.

<Second modification (2)>
In addition to the method described in the second embodiment, it is also possible to use the following method as an example without limitation.

FIG. 5-4 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this modified example.
In the settlement application data 283 of the storage unit 28, in addition to the terminal display code stock data 2831, reference time data 2834 and calculated time data 2835 are stored as an example, not limited to the terminal display.

In this modification, the control unit 21 of the terminal 20 requests the server 10 to transmit the time information on the server 10 side in the online state as one function of the payment application, and the server 10 is not limited. Get time information from. Alternatively, the time information is automatically transmitted from the server 10 to the terminal 20 at a regular timing (for example, once a day) or at a specific timing (for example, when the payment application is started).

The control unit 21 stores the time information acquired from the server 10 as "reference time information" in the settlement application data 283 as reference time data 2834. That is, the reference time information is stored in the payment application. Then, the control unit 21 counts the time in the payment application (in the background when the payment application is not started) from the time indicated by the reference time information (hereinafter, referred to as "reference time"). , The current time is calculated and stored as the calculated time data 2835 in the settlement application data 283 as the calculated time information.

In this case, the control unit 21 calculates the current time by counting the time from the reference time even if it goes offline. Then, in the extended terminal display code generation process (X) (A350) of FIG. 4-12, a first extended terminal display code image including the latest calculated time information stored in the calculated time data 2835 is generated. ..

Here, the reason why the time is calculated in the payment application is that, as described above, a malicious user illegally makes a payment by returning the time of his / her terminal 20 to a past time. There may be cases, but in such a case, the clock on the operating system (OS) side of the terminal 20 is easily operated. That is, in this modification, when performing offline payment, processing is performed based on the time information calculated based on the reference time information in the payment application, instead of using the time information on the OS side.

Since it is assumed that the user of the terminal 20 is in a foreign country, the time information including the time zone information may be transmitted from the server 10 to the terminal 20 as an example without limitation. It does not have to be.

In addition, here, it was decided to calculate the current time based on the reference time information in the payment application, but instead of doing this, the time measured by the clock unit 29A is corrected based on the reference time information. Alternatively, a process may be performed in which the time measured by the clock unit 29A is synchronized with the time measured by the clock unit 19 of the server 10, or it is not necessary to do so.

In this modification, the terminal 20 acquires the time information managed by the server 10 (not limited, but an example of information regarding the reference time) by the control unit 21. Then, the terminal 20 shows a configuration in which processing related to offline payment is performed based on the time information calculated based on the acquired time information.
As an example of the effect obtained by such a configuration, the terminal processes the information based on the information about the reference time acquired from the server by the control unit as the time information, so that the time of the terminal and the time of the server deviate from each other. Even in such a case or when the user of the terminal commits fraud, the server can be made to make an appropriate payment.

<Third Example>
As described above, the terminal display code image is an image displayed on the display unit 24 of the terminal 20. Therefore, for example, a malicious third party steals the terminal display code image displayed on the display unit 24 of another person's terminal 20 by taking a picture with a camera, and steals the stolen terminal display code image. There is a risk of fraud (abuse) such as making payments using it.

In online payment, if a short time (for example, "5 minutes") is set as the time that the terminal display code can be used for payment (specified time described above), the terminal display code is used only for that short time. Therefore, it is unlikely that the terminal display code will be stolen by a hacker or the like.

However, in offline payment, as described above, the terminal display code is acquired from the server 10 in the online state and stocked in the terminal 20, and when it becomes necessary to make a payment in the offline state, it is stocked. It makes it possible to read and use the terminal display code that has been used. Therefore, since the terminal display code can be stored in the terminal 20 for a long time, there is a risk that the terminal display code is stolen by a hacker or the like and illegally used for payment.

Further, depending on the user, the terminal display code image displayed on the terminal 20 may be saved as a screenshot or the like. In this case, it is assumed that the user (first user) requests the server 10 to update the terminal display code (hereinafter, appropriately referred to as "refresh"). Then, the server 10 deletes the association between the payment number of the terminal display code and the first user.

However, since the payment number is finite, there is a possibility that the account of another user (second user) is associated with the same payment number as the above payment number at some timing thereafter. In this case, when the first user makes a payment using the terminal display code image saved by the screenshot or the like, the payment number is already associated with the account of the second user. Therefore, the payment is made from the account of the second user. In this way, payment is made from another account based on the code in which the same payment number is set, which is called "reuse of code".

The contents described in the third embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already described are designated by the same reference numerals, and the description thereof will be omitted again.

FIG. 6-1 is a diagram showing an example of a top screen of a payment application displayed on the display unit 24 of the terminal 20 in this embodiment.
The configuration of the top screen is the same as that in FIG. 3-2, and here, a state in which the "code icon" is touched by the user of the terminal 20 is shown.

FIG. 6-2 is a diagram showing an example of a code display screen displayed on the display unit 24 of the terminal 20 in this embodiment.
On this code display screen, as the extended terminal display code image in this embodiment, a one-dimensional fourth extended terminal display code image represented by a barcode and a two-dimensional fourth code image represented by a QR code are displayed. The extended terminal display code image QC4 of the above is displayed in different areas in the display screen. Further, below the one-dimensional fourth extended terminal display code image, a payment number represented by 12 digits is displayed.

The fourth extended terminal display code image (not limited, but an example of the first code image based on the first information and the second information different from the first information) is received from the server 10 and stocked in the terminal 20. The original information (payment number in this example) stored in the terminal display code image and the identification information (application ID in this example) for identifying the terminal 20 or the user of the terminal 20 are encoded. It is a code image.
The identification information for identifying the terminal 20 or the user of the terminal 20 is an example of the second information different from the first information.

In this embodiment, the fourth extended terminal display code image is based on the payment number acquired from the server 10 and stored in the storage unit 28 in the online state, and the application ID stored in the storage unit 28. It is generated by the extended terminal display code generation processing unit 2111 of the control unit 21.

When making an offline payment, the user of the terminal 20 presents the code display screen of FIG. 6-2 to the store clerk at the code cash register 60, and reads the code image for displaying the fourth extended terminal with the store code reader device 50. Make a payment by receiving it. In this case, the store code reader device 50 transmits the payment request information including the information (in this example, the payment number and the application ID) acquired by decoding from the read fourth extended terminal display code image to the server 10. , Let the server 10 make the payment.

As described in the first embodiment or the like, if the code expiration date (code display deadline) is set, it is necessary to include the time information in the extended terminal display code image. In this case, as an example, not limited to, the terminal 20 encodes the time information (time stamp information, code display time, etc.) in addition to the payment number and the application ID, and the fourth extended terminal display code image. Should be generated.

FIG. 6-3 is a flowchart showing an example of the flow of processing executed by each device in this embodiment. From the left side, the third payment application process, which is an example of the payment application process executed by the control unit 21 of the terminal 20, and the first store, which is an example of the store payment process executed by the control unit 51 of the store code reader device 50. The first settlement management process, which is an example of the settlement process and the settlement management process executed by the control unit 11 of the server 10, is shown respectively.

In the flowchart of FIG. 6-3, the step of A350 in the flowchart of FIG. 4-12 is set to A550, the step of B350 is set to B550, the step of B360 is set to B560, the step of C120 is set to C520, and the step of C160 is set to C560. The steps of C370 are rewritten to C570, respectively.

After C110, the control unit 11 performs a terminal display code generation process (C520). Specifically, the control unit 11 generates, as an example, not a limitation, a terminal display code image including at least a payment number as original information. More specifically, at least the payment number is encoded (encoded) and graphicized (imaged) to generate a terminal display code image represented by a two-dimensional code (for example, QR code) image. Further, the control unit 11 stores the identification information (for example, application ID) for identifying the terminal 20 or the user of the terminal 20 included in the received code generation request information in association with the generated payment number. Store in 15.

After A240, in the offline state, for example, when the code display operation is performed by the user of the terminal 20, the extended terminal display code generation processing unit 2111 performs the extended terminal display code generation process (Y). At the same time, the code display processing unit 2113 performs the code display processing (Y) (A550).

In the extended terminal display code generation process (Y), as an example, not limited to, based on the information acquired by decoding from the terminal display code image stored (stocked) in the terminal display code stock data 2831. A fourth extended terminal display code image including the payment number and the application ID is generated. In this case, as described above, time information (time stamp information, code display time, etc.) may also be included.

The identification information for identifying the terminal 20 or the user of the terminal 20 is not limited to the application ID, but is not limited, and as an example, the terminal identification information (for example, the terminal ID) for identifying the own terminal 20 or It may or may not be user identification information (for example, a user ID) for identifying a user of its own terminal 20.

In addition, in order to prevent a third party from deciphering the information stored in the code image for displaying the fourth extended terminal, even if the information in which the payment number and the identification information are encrypted is encoded. You may or may not have to do so.

Further, in the code display process (Y), as an example, the display unit 24 displays a code display screen in which the payment number and the fourth extended terminal display code image are displayed in different areas.

When a two-dimensional fourth extended terminal display code image is generated in the extended terminal display code generation process (Y), the two-dimensional fourth extended terminal display code image is used as an example, not a limitation. It can be displayed.

Further, when the one-dimensional fourth extended terminal display code is also generated in the extended terminal display code generation process (Y), the code image for the two-dimensional fourth extended terminal display is not limited, but as an example. It is possible to display a one-dimensional fourth extended terminal display code image.

After that, when the fourth extended terminal display code image displayed on the display unit 24 is presented to the store clerk or the like by the user of the terminal 20, the control unit 51 displays the fourth extended terminal display code image on the display unit 24 of the terminal 20. Control is performed so that the code reader 58 reads the code image for displaying the extended terminal of 4 (B550).

After that, the control unit 51 accesses the server 10 by the communication I / F 54. Then, the control unit 51 transmits at least the payment request information including the payment number and application ID acquired by decoding, the store identification information, and the scheduled payment amount to the server 10 by the communication I / F 54 (B560). ..

When the payment request information is received from the store code reader device 50 by the communication I / F 14 (C560), the control unit 11 performs the payment process (C570).

Specifically, it is determined whether or not the payment number included in the received payment request information is stored in the code management data 159 in association with the application ID. Then, when it is determined that it is stored, whether or not the combination of the associated payment number and application ID matches the combination of the payment number and application ID included in the received payment request information is determined. judge. Then, if they match, it is determined that "settlement is possible", and the scheduled settlement amount is subtracted from the balance stored in the settlement management data of the application ID to settle the settlement.

In the above payment process, if the combination of the stored payment number and application ID matches the combination of the payment number and application ID included in the received payment request information, it is determined that the payment is possible. Instead of doing so, if the stored application ID and the application ID included in the received payment request information match, it may be determined that "payment is possible", or even if it is not done so. Good.

<Effect of the third embodiment>
According to the third embodiment, for example, because the terminal display code is stored in the terminal 20 for a long time, the terminal display code is stolen by a hacker or the like and illegally used for payment. And, it is possible to prevent the code from being reused.

Specifically, in the third embodiment, the terminal 20 receives the payment number (not limited, but an example of the first information) transmitted from the server 10 by the communication I / F 22. Then, the terminal 20 stores at least the received payment number in the storage unit 28 by the control unit 21. Further, the terminal 20 is a fourth extended terminal display code image (not limited, but an example of second information different from the first information) based on the received payment number and the application ID (not limited, but an example of the second information different from the first information). An example of the first code image) is displayed in one area (an example of a display area, not a limitation) of the code display screen. The payment is configured to be executed by the server 10 based on the payment number received by the server 10 based on the fourth extended terminal display code image and the application ID.
As an example of the effect obtained by such a configuration, the first information transmitted from the server is stored in the storage unit of the terminal, and the first information is based on the first information and the second information different from the first information. 1 The code image is displayed in the display area of the terminal. Then, the settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information. Therefore, for example, based on the second information and the first information stored in the storage unit of the terminal in advance, the server can be made to perform offline payment, and the convenience of the terminal user can be improved. Can be done.

Further, the third embodiment shows a configuration in which the fourth extended terminal display code image (not limited, but an example of the first code image) is one code image based on the payment number and the application ID. There is.
As an example of the effect obtained by such a configuration, by displaying one code image based on the first information and the second information, one code image displayed in the display area of the terminal can be used as an external code reader. You can easily make a payment just by reading it.

Further, in the third embodiment, the payment is performed by sending the payment number and the application ID to the server 10 based on the code image for displaying the fourth extended terminal being read by a code reading device such as a store. The configuration executed by the server 10 is shown based on the number and the application ID.
As an example of the effect obtained by such a configuration, in the settlement, the first information is sent to the server based on the first code image being read by the code reading device, and the first information is sent to the server. Since the server executes the payment based on the above and the second information, the server can easily make a payment based on the first code image displayed in the display area of the terminal.

Further, in the third embodiment, the payment is performed by the application ID (not limited, but an example of the second information) received by the server 10 and the application stored in the storage unit 15 of the server 10 and associated with the payment number. It shows a configuration executed by the server 10 based on an ID (an example of a third piece of information, not a limitation).
As an example of the effect obtained by such a configuration, it is possible to make the server easily and appropriately make a payment based on the second information and the third information stored in the server and associated with the first information. ..

Further, in the third embodiment, the payment is performed by the application ID (not limited, but an example of the second information) received by the server 10 and the application stored in the storage unit 15 of the server 10 and associated with the payment number. When the ID (not a limitation but an example of the third information as an example) matches, the configuration executed by the server 10 is shown.
As an example of the effect obtained by such a configuration, when the second information and the third information match, the payment is executed by the server, so that the server can make the payment without error.

In addition, the third embodiment shows a configuration in which the identification information for identifying the terminal 20 or the user of the terminal 20 is an application ID, a terminal ID, or a user ID.
As an example of the effect obtained by such a configuration, by using the terminal or the identification information for identifying the user of the terminal as the second information, the terminal to be settled or the user of the terminal can be a legitimate terminal or a user of the terminal. It is possible to have the server confirm whether or not the user is a legitimate terminal.

Further, in the third embodiment, the terminal 20 reads the payment application program 282 from the memory that stores the payment application program 282 (not limited, but an example of the program), and executes the payment application process based on the payment application program 282. Equipped with a processor. Then, the processor receives the payment number (not limited, but an example of the first information) transmitted from the server 10 by the communication I / F 22, stores the received payment number in the storage unit 28, and makes a payment. Code display of the fourth extended terminal display code image (an example of the first code image, not the limitation) based on the user number and the application ID (an example of the second information different from the first information, not the limitation) Display in one area of the screen (not limited, but an example of the display area of the terminal). The payment is configured to be executed by the server 10 based on the payment number received by the server 10 based on the display of the fourth extended terminal display code image and the application ID.
As an example of the effect obtained by such a configuration, for example, it is possible to make the server perform offline payment based on the second information and the first information stored in the storage unit of the terminal in advance. It is possible to improve the convenience of the terminal user.

Further, in the third embodiment, the server 10 transmits the payment number (not limited, but an example of the first information) to the terminal 20 by the communication I / F14. Further, the server 10 has a payment number and an application ID (not limited, but different from the first information) displayed in one area (not limited, but an example of a display area) of the code display screen of the terminal 20. It is transmitted from the store code reader device 50 based on the fact that the fourth extended terminal display code image (not limited, but an example of the first code image) based on the information) is read by the store code reader device 50. In addition, the payment number based on the first code image and the application ID are received by the communication I / F14. Then, the server 10 stores the payment number, the application ID, and the code management data 159, and the application ID associated with the payment number (not limited, but stored in the storage unit of the server and associated with the first information). The configuration for making a settlement is shown based on (an example) of the third information obtained).
As an example of the effect obtained by such a configuration, the server has no error based on the first information, the second information, and the third information stored in the storage unit of the server and associated with the first information. You can make a payment.

<Third modification (1)>
In the third embodiment, the "second information" in the present disclosure is referred to as terminal identification information (for example, terminal ID) for identifying the terminal 20 or user identification information (for example, user ID) for identifying the user of the terminal 20. , Information such as account information (for example, application ID) of a payment application, but is not limited thereto. For example, a number different from the above-mentioned payment number (first information) and randomly generated (hereinafter referred to as "special number") or a token different from the above-mentioned token (hereinafter, "special"). Tokens) will be issued on the terminal 20 side, and these pieces of information may or may not be used as "second information".

In this case, as an example, the above-mentioned special number or special token is transmitted to the server 10 when the code generation request information is transmitted from the terminal 20 to the server 10 in the online state. Then, in the terminal display code generation process, the server 10 may store the special number or special token received from the terminal 20 in association with the payment number. Alternatively, in addition to the application ID and the payment number, the special number and the special token received from the terminal 20 may be associated and stored.

Further, as an example, not limited, the above special number or special token may or may not be issued on the server 10 side and transmitted to the terminal 20. In this case, the server 10 may store the issued special number or special token in association with the payment number in the terminal display code generation process. Alternatively, in addition to the application ID and the payment number, the issued special number or special token may be associated and stored.

In this case, the server 10 may or may not generate a terminal display code image in which a special number or a special token is encoded and transmit it to the terminal 20.
In addition, the special number and the special token should not be included in the terminal display code image, and the server 10 should send the special number and the special token to the terminal 20 separately from the terminal display code in which the payment number is encoded. It may or may not be.

Here, the above special number needs to be different from the payment number. Therefore, as an example, not a limitation, the special number can be a number having a smaller number of digits than the payment number. For example, if the settlement number is 10 to 12 digits, the special number may be a number less than 10 digits (for example, 6 to 9 digits), not as a limitation.

Further, as described above, the token can be included in the terminal display code or the extended terminal display code instead of the payment number. In this case, it is necessary to make the token included in the terminal display code or the extended terminal display code different from the above special token.

<Effect of the third modification (1)>
This modification shows a configuration in which a special number and a special token (not limited, but an example of second information) are generated by the terminal 20 and transmitted to the server 10.
As an example of the effect obtained by such a configuration, the terminal can make the server make a payment based on the generated second information.

Further, this modification shows a configuration in which a special number and a special token (not limited, but an example of second information) are sent from the server 10 to the terminal 20.
As an example of the effect obtained by such a configuration, the terminal can easily acquire the second information from the server.

Further, in this modification, the special number (not limited, but an example of the second information) is code information of a number different from the payment number (not limited, an example of code information different from the first information). , The special token (an example of the second information, not the limitation) indicates a configuration in which the code information is different from the token (an example of the code information different from the second information, not the limitation).
As an example of the effect obtained by such a configuration, by using code information different from the first information as the second information, it is possible to make the server make a payment without error.

<Third modification (2)>
In addition to the method described in the third embodiment, the following method can also be used.
Specifically, when the terminal 20 is online at regular timings (for example, once every 3 hours, once every 6 hours, once every 12 hours, once a day), a code generation request is made. The information is transmitted to the server 10 and the terminal display code is received from the server 10. Then, the received terminal display code updates (refreshes) the terminal display code stored in the terminal display code stock data 2831.

Further, it is also possible to acquire the terminal display code from the server 10 and perform refreshing at a specific timing. Specifically, as an example, not limited, when the elapsed time since the last payment application was executed on the terminal 20 exceeds the set time, the terminal 20 automatically outputs the terminal display code from the server 10. Get it and refresh it.

In addition, operation images such as a refresh button and a refresh icon are displayed on the display screen of the payment application, and the user of the terminal 20 operates these operation images to display the terminal from the server 10 at any time in the online state. It may be possible to acquire the code for refreshing. In this case, for example, when the user of the terminal 20 feels a danger, the operation image can be operated to refresh.

<Third modification (3)>
The time information described in the first embodiment and the first modification may or may not be included in the second extended terminal display code together with the identification information such as the application ID. In this case, the contents described in the first embodiment and the contents described in the first modified example (1) to the first modified example (5) can be applied respectively.

<Third modification (4)>
The code display screen described in the third embodiment is merely an example, and the design can be changed as appropriate.

For example, it may be difficult to encode both the first information and the second information due to restrictions on the amount of information that can be stored in the code image. Therefore, it is also possible to generate and display two code images for displaying extended terminals in which these information are encoded separately.

FIG. 6-4 is a diagram showing an example of a code display screen in this modified example.
On this code display screen, two code images, a two-dimensional fifth extended terminal display code image QC5 and a two-dimensional sixth extended terminal display code image QC6, are arranged side by side as the extended terminal display code image. It is displayed.

The fifth extended terminal display code image QC5 is not limited, but as an example, the original information received from the server 10 and stored in the terminal display code image stocked in the terminal 20 (in this example, the payment number). Is the encoded code image.
The sixth extended terminal display code image QC6 is not limited, but is, for example, a code image in which identification information (application ID in this example) for identifying the terminal 20 or the user of the terminal 20 is encoded.

The arrangement of the fifth extended terminal display code image QC5 and the sixth extended terminal display code image QC6 on the code display screen of FIG. 6-4 is merely an example, and the settings can be changed as appropriate. In addition to being arranged in the horizontal direction, it may be arranged in the vertical direction or the diagonal direction. Further, the display positions of the two code images may be reversed.

In this modification, in the extended terminal display code generation process (Y) of FIG. 6-3, the terminal display code generation processing unit 1111 has a fifth extended terminal display code image and a sixth extended terminal display. Generate a code image.

Specifically, when the terminal display code image is stocked in the terminal display code stock data 2831, this is used as it is as the fifth extended terminal display code image. On the other hand, when the payment number is stocked in the terminal display code stock data 2831, the payment number is encoded (encoded) and graphicized (imaged) to form a fifth extended terminal display code image. To generate.
Further, the application ID stored in the storage unit 28 is encoded (encoded) and graphicized (imaged) to generate a sixth extended terminal display code image.

Although some stores do not support reading of two-dimensional codes, they may be able to read one-dimensional codes. Therefore, the terminal display code generation processing unit 1111 displays a fifth extended terminal represented by a one-dimensional code (a bar code as an example, not a limitation) in addition to a two-dimensional code (a QR code as an example, not a limitation). The code image for display and the code image for displaying the sixth extended terminal may or may not be generated.

When making an offline payment, the user of the terminal 20 presents the code display screen of FIG. 6-4 to the store clerk at the code cash register 60, and presents the code image for displaying the fifth extended terminal and the code image for displaying the sixth extended terminal. Payment is made by having the store code reader device 50 read the code image. In this case, the store code reader device 50 decodes the information (payment number in this example) acquired by decoding from the read fifth extended terminal display code image and the read sixth extended terminal display code image. The payment request information including the information (application ID in this example) acquired by the above is transmitted to the server 10 to cause the server 10 to make a payment.

The fifth extended terminal display code image and the sixth extended terminal display code image are not limited to the method of being read separately by the store code reader device 50, and the fifth extended terminal display code image and the fifth extended terminal display code image are used. Based on the detection that the sixth extended terminal display code image is within one frame of the code reader 58, the two extended terminal display code images are read together (collectively). You may or may not have to do so.

<Effect of the third modification (4)>
In this modification, the extended terminal display code image (not limited, but an example of the first code image) is displayed in one area of the code display screen (not limited, but an example of the first area). A sixth extended terminal display code displayed in an extended terminal display code image (an example of a second code image, not limited) and another area of the code display screen (an example of a second area, not limited). The configuration including the image (not limited, but an example of the third code image) is shown.
As an example of the effect obtained by such a configuration, by displaying the second code image based on the first information in the first area and displaying the third code image based on the second information in the second area, for example, Even if it is difficult to include the second information in the code image, by having an external reading device read the third code image, the second information can be sent to the server to make a payment.

In addition to the above, as an example, not limited to the above, the identification information such as the application ID may be displayed in an area different from the area in which the extended terminal display code image is displayed. It does not have to be.

<Fourth Example>
The fourth embodiment relates to the content of storing and stocking the terminal display code transmitted from the server 10 in the storage unit 28 of the terminal 20 and replenishing the terminal display code according to the satisfaction of a predetermined condition. It is an embodiment.

The contents described in the fourth embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already described are designated by the same reference numerals, and the description thereof will be omitted again.

FIG. 7-1 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
In this embodiment, the payment application data 283 includes code replenishment condition data 2838 as an example, not a limitation.

The code replenishment condition data 2838 is data in which conditions for replenishing the terminal display code (hereinafter, referred to as “code replenishment condition”) are set, and an example of the data structure is shown in FIG. 7-2.

In the code replenishment condition data 2838, the condition type, the condition No., and the code replenishment condition are stored in association with each other as an example without limitation.
The condition type is a type of code replenishment condition, and is not limited to this, and includes "CP1 (communication)" and "CP2 (others)" as examples.
The condition No. is a code replenishment condition number included in the condition type.
The code replenishment condition is the content of the code replenishment condition corresponding to the condition No.

This will be described in detail.
(A) Condition type "CP1 (communication)"
The condition type "CP1 (communication)" is not limited, but the conditions of "CP1-1" to "CP1-3" are defined as an example.

"CP1-1" is a condition in which the code replenishment condition is "offline payment & payment completion notification reception for terminal". This is a condition indicating that the terminal display code is replenished when the server 10 makes an offline payment and the terminal 20 returns from the offline state to the online state and then receives the terminal payment completion notification from the server 10. Is. That is, using the terminal display code previously acquired from the server 10 and stored in the terminal display code stock data 2831, it is first acquired from the server 10 based on the completion of the offline payment by the server 10. Obtain a terminal display code that is different from the terminal display code that was created.

In this case, as an example, not limited, offline payment is performed by the server 10, and after receiving the payment completion notification for the terminal from the server 10, the terminal 20 sends a request for the terminal display code to the server 10. Then, the terminal display code transmitted from the server 10 in response to the request can be stored in the terminal display code stock data 2831.

Even when the payment completion notification for the terminal is received from the server 10 after returning from the offline state to the online state, the communication status of the terminal 20 may be unstable. Therefore, even if the terminal display code is requested from the server 10 and acquired at the timing when the communication is turned "ON" or when the communication status is stable after receiving the terminal payment completion notification from the server 10. You may or may not have to do so.

"CP1-2" is a condition in which the code replenishment condition is "start payment application & communication connection with server". This is a condition indicating that the terminal display code is replenished when a communication connection is made with the server 10 after the payment application is started on the terminal 20.

In this case, as an example, the payment application is started on the terminal 20, and when a communication connection is made with the server 10, the terminal 20 transmits a request for a terminal display code to the server 10. Then, the terminal 20 can store the terminal display code transmitted from the server 10 in response to the request in the terminal display code stock data 2831.

In the above, when the payment application is started on the terminal 20 and the communication connection is made with the server 10, the terminal 20 transmits a request for the terminal display code and the latest balance to the server 10. .. Then, the terminal 20 stores the terminal display code transmitted from the server 10 in response to the request in the terminal display code stock data 2831, and is based on the latest balance transmitted from the server 10 in response to the request. The balance stored in the payment application data 283 of the terminal 20 may or may not be updated.

"CP1-3" is a condition in which the code replenishment condition is "electromagnetic wave environment change".
Since radio waves are generally used for communication, it may be referred to as "change in radio wave environment". It may also be referred to as "change in communication environment". This is a condition indicating that the terminal display code is replenished when the electromagnetic wave environment of the terminal 20 changes.

As an example, not limited to, the electromagnetic wave environment of the terminal 20 is divided into three, "strong electromagnetic wave environment", "medium electromagnetic wave environment", and "weak electromagnetic wave environment" based on the strength of electromagnetic waves (radio wave strength). Here, the strength of the electromagnetic wave is not limited, but can be expressed by an index value such as an electric field strength, a magnetic field strength, and a power density (power flux density). These index values can also be said to be the strength of the signal received by the terminal 20 (signal strength, received signal strength).

As an example, not a limitation, if it is detected that the electromagnetic wave environment of the terminal 20 has changed from the "medium electromagnetic wave environment" to the "weak electromagnetic wave environment" based on the strength of the electromagnetic wave, it may go offline. It is possible to replenish the terminal display code. In this case, as an example, not limited to this, when a change in the electromagnetic wave environment is detected, the terminal 20 transmits a request for a terminal display code to the server 10, and the request is received and transmitted from the server 10. The terminal display code can be stored in the terminal display code stock data 2831.

The determination of the change in the electromagnetic wave environment may or may not be performed based on, for example, the intensity of the electromagnetic wave represented by the above index value. For example, a threshold strength corresponding to a weak electric field is set for the strength of the electromagnetic wave, and when the strength of the electromagnetic wave becomes less than or equal to the threshold strength (or less than the threshold strength), it is determined that the electric field environment has changed. It may or may not be.

(B) Condition type "CP2 (Other)"
The condition type "CP2 (other)" is not limited, but the conditions of "CP2-1" to "CP2-3" are defined as an example.

“CP2-1” is a condition in which the code replenishment condition is “push notification reception & code replenishment operation detection”. The push notification is not limited, but as an example, it is desired to receive a notification sent from the server 10 at a regular timing or the like to confirm the stock of the terminal display code to the user, or to acquire the terminal display code. Indicates a notification to confirm with the user whether or not. This is an operation for the terminal 20 to receive a push notification from the server 10 and to replenish the terminal display code to the input unit by the user of the terminal 20 based on the received push notification (hereinafter, "code replenishment"). It is a condition indicating that the terminal display code is replenished when (referred to as "operation") is detected.

“CP2-2” is a condition in which the code replenishment condition is “code replenishment operation detection”. This is a condition indicating that the terminal display code is replenished when the user of the terminal 20 detects the code replenishment operation to the input unit.

"CP2-3" is a condition in which the code replenishment condition is "balance update operation detection". This replenishes the terminal display code when the user of the terminal 20 detects an operation for updating the balance that can be used for payment using the payment application (hereinafter, referred to as "balance update operation"). It is a condition to show that.

In the offline state, the terminal 20 cannot communicate with the server 10. Therefore, when offline payment is performed, the balance managed on the server 10 side is updated, but the terminal 20 side is until the server 10 returns to the online state and receives the payment completion notification for the terminal from the server 10. The balance memorized in is not updated. Therefore, the balance displayed on the application screen of the payment application may not be the latest balance.

Therefore, under the condition of "CP2-3", the terminal 20 requests the server 10 to request the terminal display code when the user detects the balance update operation to the input unit during the execution of the payment application. To send. Then, the terminal display code transmitted from the server 10 in response to the request is stored in the terminal display code stock data 2831.

In addition, the code replenishment condition of "CP2-3" is set to "balance update execution", and the terminal 20 communicates with the server 10 to update the balance based on the detection of the balance update operation in the payment application. As an opportunity, the terminal display code may or may not be replenished.

Further, as described above, when the terminal 20 returns from the offline state to the online state, the server 10 receives the payment completion notification for the terminal. In this case, the terminal 20 may update the balance based on the received terminal payment completion notification, and the terminal display code may be replenished with the execution of the balance update as an opportunity. It does not have to be.

Based on the code replenishment condition data 2838, the control unit 21 of the terminal 20 determines whether or not at least one of the above-mentioned plurality of code replenishment conditions is satisfied, not as a limitation but as an example. Then, if it is determined that the establishment is established, a request for requesting the terminal display code is transmitted to the server 10. Then, the terminal display code transmitted from the server 10 in response to the request is stored in the terminal display code stock data 2831.

It should be noted that the above code replenishment condition is merely an example, and conditions other than these can be defined.
Further, as an example, not a limitation, a condition in which two or more of the above code supplementation conditions are combined may be defined as a code supplementation condition.
Further, as an example, not limited to the above, it is possible to set which of the above code replenishment conditions is to be applied by letting the user of the terminal 20 select.

<Effect of Fourth Example>
In the fourth embodiment, the terminal 20 is based on the completion of payment by the server 10 based on the payment number (not limited, but an example of the first information) acquired from the server 10 in advance in the offline state, and the above payment number. A payment number different from the above (not limited, but an example of the second information different from the first information) is received by the communication I / F22. Then, the terminal 20 shows a configuration in which the received payment number is stored in the storage unit 28.
As an example of the effect obtained by such a configuration, the terminal receives the second information different from the first information even when the first information is consumed by the completion of the payment based on the first information. By storing the information in the storage unit, another payment can be made based on the stored second information, and the convenience of the user can be improved.

Further, the fourth embodiment shows a configuration in which the terminal 20 receives a payment number different from the above payment number by the communication I / F 22 based on the communication status of the communication I / F 22.
As an example of the effect obtained by such a configuration, the terminal can receive the second information different from the first information via the communication unit, for example, when the communication condition of the communication unit is improved.

Further, in the fourth embodiment, when the terminal 20 can communicate by the communication I / F22, the terminal 20 transmits a request for a payment number different from the above payment number to the server 10 by the communication I / F22. Shown.
As an example of the effect obtained by such a configuration, when the terminal can communicate with the communication unit, the terminal transmits the information for acquiring the second information to the server via the communication unit, and the second information is transmitted from the server. Can be received.

Further, in the fourth embodiment, the terminal 20 is used for the above-mentioned payment based on the balance update operation (not limited, but an example of input regarding the update of the balance of electronic money that can be used for payment) by the user of the terminal 20. It shows a configuration in which a payment number different from the number is received by the communication I / F22.
As an example of the effect obtained by such a configuration, the second information different from the first information is received via the communication unit based on the input regarding the update of the balance of electronic money that can be used for payment by the terminal user. Therefore, it is possible to acquire the second information triggered by the input by the user of the terminal, and the convenience of the user can be improved.

<Fourth modification>
In the fourth embodiment, the server 10 does not send the terminal display code to the terminal 20 in response to the request from the terminal 20, but the server 10 sends the terminal display code to the terminal without a request from the terminal 20. It may or may not be transmitted to 20.

In the present specification, "push transmission" means that the server 10 transmits information (or data) to the terminal 20 (the server 10 voluntarily transmits information (or data)) without a request from the terminal 20. It is called.

In this case, as an example, not limited, the terminal display code (terminal display code) from the server 10 to the terminal 20 at a regular timing (for example, once a day) or a specific timing (for example, when the payment application is started). Push send the image or payment number). Then, the terminal 20 stores the terminal display code transmitted from the server 10 in the terminal display code stock data 2831.

This modification shows a configuration in which a payment number (not limited, but an example of second information different from the first information) is pushed and transmitted from the server 10 to the terminal 20.
As an example of the effect obtained by such a configuration, it is possible to acquire the second information different from the first information from the server without having to make a request from the terminal to the server.

<Fifth Example>
As described in the fourth embodiment, the terminal 20 cannot communicate with the server 10 in the offline state. Therefore, when offline payment is performed, the balance managed on the server 10 side is updated, but at least until the server 10 returns to the online state and the terminal payment completion notification is received from the server 10, the terminal 20 The balance stored on the side will not be updated. That is, the balance displayed on the application screen of the payment application may not be the latest.

The fifth embodiment is an example relating to a method for solving such a problem.
The contents described in the fifth embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already described are designated by the same reference numerals, and the description thereof will be omitted again.

(1) The control unit 21 of the suggestion notification terminal 20 is not limited, but as an example, when the above-mentioned various extended terminal display codes are displayed on the display unit 24, the balance is the latest regardless of whether or not electronic money is used. Notify that there is no possibility.

Specifically, as an example, not a limitation, on the code display screen, a message such as "The balance of electronic money may not be the latest" or "Please update the balance of electronic money." Display it. Alternatively, a message to the same effect as these is output as sound from the speaker 26.

Further, as another example, as a suggestion notification suggesting that the balance may not be accurate, the elapsed time after the control unit 21 of the terminal 20 changes from the online state to the offline state is measured. Then, the control unit 21 changes the mode when displaying the balance based on the measured elapsed time.

FIG. 8-1 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
In this embodiment, the display mode setting data 2836 is stored in the payment application data 283.

The display mode setting data 2836 is data in which the display mode of the balance in the payment application is set. An example of the data configuration of the display mode setting data 2836A, which is an example thereof, is shown in FIG. 8-2.

The display mode setting data 2836A is not limited, but as an example, an elapsed time condition which is a condition for the elapsed time and a mark type which is a type of a mark additionally displayed on the balance when the elapsed time condition is satisfied. Is associated and stored. Here, the elapsed time is described as "t", and the threshold value for the elapsed time is described as the threshold time "t1, t2".

The first elapsed time condition is "t <t1", and "none" is defined as the mark type. This indicates that when the elapsed time t is shorter than the threshold time t1, the balance is unlikely to be accurate and the mark is not displayed.

The second elapsed time condition is "t1 ≦ t ≦ t2", and "question mark" is defined as the mark type. This is because when the elapsed time t is equal to or greater than the threshold time t1 and the elapsed time t is equal to or less than the threshold time t2, it is considered that the balance is not accurate and a "question mark" is added to the balance. Indicates that it is additionally displayed.

The third elapsed time condition is "t2 <t", and "danger mark" is defined as the mark type. This indicates that when the elapsed time t is longer than the threshold time t2, the balance is likely to be inaccurate, and a "danger mark" is additionally displayed on the balance.

FIG. 8-3 is a diagram showing a configuration example of the display mode setting data 2836B, which is another example of the display mode setting data 2836.
The display mode setting data 2836B is not limited, but as an example, the elapsed time condition and the display color of the balance (at least one of the characters and the value of the balance) when the elapsed time condition is satisfied are associated with each other. Is remembered. The way of reading the figure is the same as that of FIG. 8-2.

The first elapsed time condition is "t <t1", and "blue" is defined as the display color of the balance. This indicates that when the elapsed time t is shorter than the threshold time t1, the balance is displayed in "blue" because it is unlikely that the balance is inaccurate.

The second elapsed time condition is “t1 ≦ t ≦ t2”, and “yellow” is defined as the display color of the balance. This means that if the elapsed time t is equal to or greater than the threshold time t1 and the elapsed time t is equal to or less than the threshold time t2, the possibility that the balance is not accurate is moderate, and the balance is displayed in "yellow". Indicates to do.

The third elapsed time condition is "t2 <t", and "red" is defined as the display color of the balance. This indicates that when the elapsed time t is longer than the threshold time t2, the balance is displayed in "red" because the balance is likely to be inaccurate.

The threshold time can be set as appropriate, but it is not limited, and as an example, a time such as "t1 = 30 minutes" or "t2 = 3 hours" can be set.

FIG. 8-4 is a diagram showing an example of a code display screen in this case. Here, a case where display is performed based on the display mode setting data 2836A of FIG. 8-2 will be illustrated.
This code display screen is an example of a code display screen displayed in an offline state. In this display example, in order to suggest that the balance is unconfirmed, the characters "Unconfirmed balance" are displayed as the display of the balance next to the payment method at the top of the screen, and the value of the balance is displayed next to it. ing.

The upper code display screen shows the case where the elapsed time condition "t <t1" is satisfied, and since the elapsed time t is shorter than the threshold time t1, the mark is not displayed on the undetermined balance.

The code display screen in the middle stage shows the case where the elapsed time condition "t1 ≦ t ≦ t2" is satisfied, because the elapsed time t is the threshold time t1 or more and the elapsed time t is the threshold time t2 or less. , A question mark (in this example, in a circle?) Is displayed next to the value of the unconfirmed balance.

The lower code display screen shows the case where the elapsed time condition "t2 <t" is satisfied, and since the elapsed time t is longer than the threshold time t2, a danger mark is placed next to the value of the undetermined balance (in this example). , Inside the triangle!) Is displayed.

In addition to the above, as an example, not limited to the above, the display color of the balance may be the same, and the longer the elapsed time, the darker the display color of the balance may or may not be. ..

In addition to the above, as an example, not limited to the above, the thickness of characters for which the balance is displayed may or may not be changed based on the elapsed time.

(2) Notification of Balance Update Timing In order to notify the user of the terminal 20 of the timing when the balance was last updated, the control unit 21 of the terminal 20 is not limited, but as an example, when displaying the balance in the payment application. , The date when the balance was last updated, the time when the balance was last updated, and the date and time when the balance was last updated are displayed on the screen of the display unit 24 together with the balance (for example,). Display on the code display screen).

(3) Update of balance by terminal In order to update the balance to the latest value, the control unit 21 of the terminal 20 acquires the latest balance from the server 10 when a specific condition is satisfied, and payment application data 283. Update the balance stored in.

Specifically, as an example, the control unit 21 of the terminal 20 makes a request for the latest balance when the server 10 returns to the online state after performing the payment procedure in the offline state. Send to. Then, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10 in response to this request.

When the terminal 20 returns to the online state and receives the terminal payment completion notification from the server 10, the balance stored in the payment application data 283 may be updated based on the received terminal payment completion notification. It is possible. Therefore, when the balance is updated by performing the above processing, the control unit 21 may or may not update the balance when receiving the payment completion notification for the terminal. ..

Further, the balance may be updated by performing the above processing at the timing of returning to the online state before receiving the payment completion notification for the terminal from the server 10, or it is not necessary to do so. ..

Further, although it is related to the code replenishment condition of the condition No. “CP2-3” of the code replenishment condition data 2838 (FIG. 7-2), the control unit 21 performs a balance update operation for the input unit in the payment application in the online state. When it is detected, it sends a request for the latest balance to the server 10. Then, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10 in response to this request.

Further, the control unit 21 transmits a request for the latest balance to the server 10 at the timing when the payment application is started and the communication is connected to the server 10. Then, the balance stored in the payment application data 283 is updated with the balance transmitted from the server 10 in response to this request.

In this case, there is a possibility that the balance from the server 10 to the terminal 20 is not the latest at a regular timing (for example, once a day) or a specific timing (for example, when the payment application is started). Is notified by push notification or the like. Then, based on this notification, when the balance update operation to the input unit is detected in the payment application, a request requesting the latest balance is sent to the server 10 to acquire the balance from the server 10. You may or may not have to do so.

Also, as an example, not limited, the latest balance is pushed from the server 10 to the terminal 20 at a regular timing (for example, once a day) or at a specific timing (for example, when the payment application is started), and the terminal is used. 20 may or may not get the push-transmitted balance.

(4) Balance correction UI
Next, a user interface (UI) for correcting the balance will be described.

The control unit 21 is not limited, but as an example, is an image that can be operated by the user of the terminal 20 on a screen (for example, a code display screen) in which the balance is displayed in the payment application, and is used to correct the balance. An image (hereinafter referred to as "balance correction image") is displayed.

FIG. 8-5 is a diagram showing an example of a display screen displayed on the terminal 20 in this case. Here, a screen corresponding to the code display screen shown in FIG. 8-4 is shown.
On this code display screen, a balance correction button indicating "correct the displayed balance" is displayed under the unconfirmed balance of the payment method as an example of the balance correction image.

When the balance correction button is touched by the user of the terminal 20, the user of the terminal 20 can correct the value of the undetermined balance. Specifically, as an example, not limited, the user of the terminal 20 has a balance correction button as shown in the upper part of FIG. 8-6 while displaying the screen corresponding to the code display screen in the lower part of FIG. 8-5. When touched by, for example, as shown in the lower part of FIG. 8-6, the numeric keypad for the user of the terminal 20 to input a number is displayed, and the value of the balance input from the numeric keypad is displayed. The display field is displayed. In the input balance display field, as an example, not limited, to confirm with the message "Please enter the balance after use", the display field where the entered balance value is displayed, and the balance value. Includes an OK button and a cancel button to cancel the balance adjustment.

When the OK button is touched, the control unit 21 corrects the display of the value of the undetermined balance. For example, as shown in FIG. 8-6, when the undetermined balance is "3,000 yen" and the user of the terminal 20 inputs "2,600" with the numeric keypad and touches the OK button, for example, FIG. 8-7. As shown in the upper part, the display of the value of the unconfirmed balance is corrected to "2,600 yen".

When returning to the online state, the terminal 20 determines the value of the unconfirmed balance based on the information transmitted from the server 10 (for example, the terminal payment completion notification). In this case, the corrected unconfirmed balance value is the latest balance value managed by the server 10 because the user of the terminal 20 mistakenly recognized the amount of money that would have been settled. May be different. In this case, the control unit 21 adjusts / updates the corrected undetermined balance value to the correct value based on the information transmitted from the server 10.

For example, if the balance of "2,600 yen" shown in the upper part of Fig. 8-7 is off by 100 yen, the value of the undetermined balance is "2," as shown in the lower part of Fig. 8-7, for example. It is adjusted / updated to "500 yen" and displayed, and when the balance is confirmed by this, the characters of "Unconfirmed balance" are changed to the characters of "Balance" and displayed, and the balance correction button is also displayed. It will be erased.

(5) Balance update UI
The control unit 21 is not limited, but as an example, is an image that can be operated by the user of the terminal 20 on a screen (for example, a code display screen) in which the balance is displayed in the payment application, and is used to update the balance. An image (hereinafter referred to as "balance update image") can also be displayed.

Specifically, as an example, not limited, the control unit 21 has a balance update button for correcting the balance as an example of the balance correction image next to the balance display of the payment method on the above code display screen. Can be displayed.

When the balance update button MB is touched in the online state, the control unit 21 sends a request for the latest balance to the server 10. Then, the balance stored in the payment application data 283 is updated with the balance sent from the server 10 in response to this request, and the balance next to the balance update button is added to the value of the balance sent from the server 10. Update the value of.

In addition to the balance, the code image is also displayed on the code display screen, but even if the balance update button is touched, the code generation request information is not sent from the terminal 20 to the server 10, and the displayed code is displayed. The image is not updated. That is, the display is updated only for a part of the code display screen (partial area). By doing so, the code image being displayed can be read by the store code reader device 50 as it is, and the server 10 can make a payment. Therefore, the time required for the payment can be shortened as compared with the case where the code is also updated. can do.

(6) Presentation of balance by store In C180 of FIG. 4-12, the control unit 11 of the server 10 notifies the terminal 20 or the user of the terminal 20 who made the payment of the latest balance associated with the payment completion notification for the store. It is included in the store code reader device 50 and transmitted to the store code reader device 50. Then, when the store payment completion notification is received from the server 10 on the B280, the store code reader device 50 causes the display unit 53 to display the received store payment completion notification (including the latest balance). Then, the store clerk or the like presents the store payment completion notification displayed on the display unit 53 to the user.

In this case, the user of the terminal 20 confirms the presented payment completion notification for the store, and then performs an operation of correcting the balance in the payment application of the terminal 20 to correct the balance to the latest balance.

<Others>
The screen for displaying the balance information in the payment application is not limited to the code display screen. For example, as shown in FIG. 3-2 and the like, the balance information can be displayed on the top screen of the payment application. In this case, as an example, not limited, instead of the code display screen, or in addition to the code display screen, the above balance correction image and balance update image are displayed on the top screen and displayed on this top screen. It is also possible to make it possible to correct the balance or update the balance based on the image for correcting the balance or the image for updating the balance.

<Effect of the fifth embodiment>
The fifth embodiment shows a configuration in which the terminal 20 displays information on the balance of electronic money that can be used for payment on a screen in the payment application.
As an example of the effect obtained by such a configuration, the balance of electronic money that can be used for payment is notified to the user of the terminal by displaying the information of the balance of electronic money that can be used for payment in the display area of the terminal. be able to.

Further, in the fifth embodiment, the terminal 20 receives information on the balance of electronic money from the server 10 via the communication I / F 22 by the control unit 21 based on the communication status of the communication I / F 22. Then, the terminal 20 shows a configuration in which the information on the balance of the received electronic money is displayed on the screen in the payment application.
As an example of the effect obtained by such a configuration, the terminal appropriately receives the balance information from the server via the communication unit by the control unit based on the communication status of the communication unit, and then displays it in the display area. Can be notified to the user of the terminal.

Further, in the fifth embodiment, the terminal 20 has the information on the date when the balance was last updated (not limited, but an example of the information on the date when the balance information is displayed in the display area), and the balance is updated last. Time information (an example of information about the time when balance information was displayed in the display area, not limited), date and time information when the balance was last updated (balance information is displayed in the display area, not limited) It shows a configuration in which any one of the information regarding the date and time is displayed on the payment application screen.
As an example of the effect obtained by such a configuration, the terminal displays the information about the date when the balance information is displayed in the display area or the information about the time when the balance information is displayed in the display area in the display area. The user can be notified.

Further, in the fifth embodiment, the terminal 20 displays on the code display screen based on the user operation (not limited, but an example of input related to the correction of the balance information) on the balance correction image such as the balance correction button. It shows the configuration to correct the balance.
As an example of the effect obtained by such a configuration, the balance displayed in the display area of the terminal can be easily and appropriately corrected based on the input regarding the correction of the balance information.

Further, in the fifth embodiment, the terminal 20 displays a balance update image such as a balance update button (not limited, but an example of a display for updating balance information by input of a terminal user). Is shown.
As an example of the effect obtained by such a configuration, the terminal user can easily update the balance by displaying a display for updating the balance information by input of the terminal user in the display area of the terminal. It is possible to improve the convenience of the user.

Further, in the fifth embodiment, the terminal 20 displays the balance on the code display screen, and displays an image for updating the balance (not limited, but an example of a display for updating the balance information by input of the terminal user). Display on the code display screen. In this case, the terminal 20 displays the code display (an example of the first display, not the limitation) in one area of the code display screen (an example of the third area, not the limitation), and the other area of the code display screen. The balance is displayed in (an example of the fourth area, not a limitation). Then, based on the user operation on the balance update image, the configuration in which the balance displayed in the other area is updated while the code display is displayed in one area is shown.
As an example of the effect obtained by such a configuration, the first display is displayed in the third area and the fourth area is displayed based on the input by the terminal user for the display for updating the balance information. Since the displayed balance information can be updated, it is possible to update only the balance information displayed in the fourth area without having to update the first display displayed in the third area.

<Fifth modification>
Regarding the correction or change of the balance described in the fifth embodiment, the store POS system 40 can communicate with the server 10 even when the terminal 20 is in the offline state. Therefore, as an example, not a limitation, the latest balance (accurate balance) of the user of the terminal 20 is printed on the receipt issued by the code cash register 60. Further, as an example, not limited, the balance input to the code register 60 and the balance displayed on the code register 60 are the latest balances of the users of the terminal 20.

Therefore, as an example, not a limitation, the store code reader device 50 determines whether or not the payment is offline. As described above, the terminal display code image includes the payment number, while the extended terminal display code image includes the payment number and the time information. Therefore, the store code reader device 50 can determine, for example, offline payment when the information acquired by decoding from the read code image includes the payment number and the time information.

In addition to this, as an example, not limited to this, the server 10 determines that the payment is offline based on the fact that the server 10 receives the payment request information including the payment number and the time information from the store code reader device 50. Then, after the server 10 performs the payment process, the store code reader device 50 is made to transmit the store payment completion notification including the information indicating that the payment is offline to the store code reader device 50, whereby the store code reader device 50 is offline. It can also be determined as a settlement.

When it is determined that the payment is offline, the store code reader device 50 outputs information indicating that the payment is offline to the code cash register 60 as an example, not limited to it. In this case, the code cash register 60 is not limited, but as an example, the balance and the information indicating that the balance is different from the balance displayed on the terminal 20 can be printed on the issued receipt. ..

Similarly, when it is determined that the payment is offline, the store code reader device 50 outputs information indicating that the payment is offline to the code cash register 60, not as a limitation but as an example. In this case, the code cash register 60 is not limited, but as an example, the balance and the information indicating that the balance is different from the balance displayed on the terminal 20 are displayed on a display or the like whose display surface is directed to the customer side. It can be displayed.

Further, in this case, the balance printed on the receipt and the balance displayed on the display are different from the balance displayed on the terminal 20, and the balance displayed on the terminal 20 is not an accurate balance. May or may not be notified (announced) to the user of the terminal 20 verbally by the store clerk or the like.

<Sixth Example>
The sixth embodiment is an embodiment in which the terminal 20 performs an authentication process when performing offline payment. In addition, when a specific condition is satisfied when performing this authentication process, the authentication process is skipped.

In this embodiment, "authentication" means authenticating that the user of the terminal 20 is a legitimate user in order to make a payment, unless otherwise specified, and "authentication processing" means this payment. It means the process to realize the authentication for.

Further, "authentication skip condition" means a condition for skipping the above authentication process for settlement unless otherwise specified, and "skip authentication process" means ignoring the processing instruction of the authentication process. , Means to process the next instruction, that is, to omit the authentication process.

FIG. 9-1 is a diagram showing an example of the data structure of the store registration data 155B, which is an example of the store registration data 155 stored in the storage unit 15 of the server 10 in this embodiment.
The store registration data 155B is the registration data of the member stores as in the store registration data 155A (FIG. 4-4) described above, but the data structure is partially different.

Specifically, in the store registration data 155B, in addition to the industry, the store name, the store location information, the store POS system information, and the store ID, the first specific industry flag and the second specific industry flag are included. Is associated and stored.

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

The second specific industry flag is a flag indicating whether or not this industry is a preset second type of specific industry (hereinafter referred to as "second specific industry"), and is a second specific industry. "ON" is stored in the industry corresponding to, and "OFF" is stored in the industry not corresponding to the second specific industry. The second specific industry is not limited, but can be set in advance on the server 10 side as an example. In this example, "Izakaya", which is an industry with a high risk of the user misplaced the terminal 20, is set as the second specific industry.

FIG. 9-2 is a diagram showing an example of the function realized by the control unit 21 in this embodiment.
The payment application processing unit 211 of the control unit 21 has an authentication processing unit 2115 and an authentication skip determination processing unit 2117. Further, the control unit 21 has a position calculation processing unit 217.

The authentication processing unit 2115 has a function of executing an authentication process for authenticating whether the user of the terminal 20 is a legitimate user when performing offline payment.

The authentication process is not limited, but as an example, as a display process relating to the execution of authentication for the user of the terminal 20, a process of displaying an authentication screen for causing the user of the terminal 20 to input an authentication password is performed on the display unit 24, and this authentication is performed. It is determined whether or not the authentication password entered on the screen matches the authentication password registered in the storage unit 28.

In this embodiment, the authentication processing unit 2115 is not limited to the timing before executing the processing of A350 in the processing of FIG. 4-12 and before executing the processing of A550 in the processing of FIG. 6-3. Execute the authentication process at the timing.

The authentication skip determination processing unit 2117 has a function of executing the authentication skip determination process, which is a process for determining whether or not to skip the authentication process executed by the authentication process unit 2115.

In this embodiment, the authentication skip determination processing unit 2117 executes the authentication skip determination process at a timing before the authentication process by the above authentication processing unit 2115 is executed, not as a limitation but as an example.

The position calculation processing unit 217 has a function of executing a position calculation process, which is a process of calculating the position of its own terminal 20 based on the position calculation information output from the position calculation information detection unit 29B. .. The position calculation processing unit 217 performs satellite positioning calculation based on satellite orbit data, time data, etc. output from the satellite positioning sensor (satellite positioning unit) included in the position calculation information detection unit 29B, and performs self-positioning calculation. The position of the terminal 20 of the above is calculated. Further, the position calculation processing unit 217 performs an inertial navigation calculation based on the acceleration and angular velocity information output from the inertial measurement sensor (inertial measurement unit) included in the position calculation information detection unit 29B, and performs inertial navigation calculation to its own terminal. Calculate the position of 20.

In addition, unlike this embodiment, as an example, not limited to, a processing device or an arithmetic unit (for example, a CPU or DSP) is provided in the position calculation information detection unit 29B, and the position calculation is performed instead of the control unit 21 of the terminal 20. The information detection unit 29B may or may not calculate the position of the terminal 20 and output it.

Further, as an example, not limited to, a wireless device for enabling the terminal 20 to acquire position information, for example, a beacon for transmitting a beacon signal (typically a Bluetooth signal) is installed in a member store so that the terminal 20 can acquire the position information. , The location information may or may not be acquired based on the beacon signal transmitted from the beacon installed in the store.

FIG. 9-3 is a diagram showing an example of information stored in the storage unit 28 of the terminal 20 in this embodiment.
In the storage unit 28, in addition to the payment application software 281 and the terminal data 289, the position calculation processing program 287 executed as the position calculation process and the calculation terminal position history data 288 are stored as an example without limitation. ..

Further, in the payment application data 283, in addition to the terminal display code stock data 2831, the payment data 2832, and the store data 2833, authentication skip condition data 2837 is stored as an example without limitation.

FIG. 9-4 is a diagram showing an example of the data structure of the settlement data 2832B, which is an example of the settlement data 2832 in this embodiment.
In the payment data 2832B, in addition to the information stored in the payment data 2832A (FIG. 4-8), an authentication password and a payment application unlock password are stored.

Further, in the present embodiment, the store data 2833 is not limited to, but as an example, various store information stored in the store registration data 155B (FIG. 9-1) of the server 10 is stored.

The calculation terminal position history data 288 is not limited, but as an example, the position calculation processing unit 217 performs position calculation processing every predetermined time (for example, "every 1 minute", "every 5 minutes", "every 10 minutes"). The history of the position of the terminal 20 calculated by the operation (hereinafter, referred to as "calculated terminal position") is stored.

Further, in the present embodiment, the terminal data 289 is not limited to the lock setting "ON / OFF" on the OS side of the terminal 20, and the terminal unlock password for unlocking the OS side of the terminal 20. Information such as the authentication setting "ON / OFF" on the terminal side is included.

The authentication skip condition data 2837 is data for which the authentication skip condition is defined, and an example of the data structure is shown in FIG. 9-5.
The authentication skip condition data 2837 includes a condition category No. which is a category number of the authentication skip condition, a condition No which is an authentication skip condition number included in the category of the condition category No, and an authentication skip condition of this condition No. , Whether or not the authentication skip condition is applied to indicate whether or not to perform the determination is stored in association with the importance (priority) of the authentication skip condition. Hereinafter, each authentication skip condition and its determination method will be described in detail.

<Condition category No. "SP1">
The condition category No. "SP1" is a category of "time", and is not limited to the above, and includes, as an example, the authentication skip conditions of the condition Nos. "SP1-1" and "SP1-2".

As the authentication skip condition of the condition No. "SP1-1", "the current date and time is within the set time from the last settlement date and time" is defined.
The "last settlement date and time" is the date and time when the last settlement was made (the latest date and time when the settlement was made) regardless of whether or not the authentication process was skipped on the terminal 20. This is because the fact that the current date and time is within the set time (for example, "within one hour") from the last settlement date and time means that the payment will be made again within a short time, so that the user's convenience is improved. , Means to omit authentication.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is stored in the current date and time based on the time measured by the clock unit 29A and the settlement history data of the settlement data 2832B as an example, not a limitation. It is possible to acquire the last settlement date and time and determine whether or not the current date and time is within the set time from the last settlement date and time.

As the authentication skip condition of the condition No. "SP1-2", "the current time is included in the set time zone" is defined. The set time zone is not limited, but can be set in advance by the user of the terminal 20 as an example. Specifically, for example, by setting a time zone in which the user of the terminal 20 frequently makes a payment as a set time zone, authentication can be omitted when making a payment in the set time zone. ..

In the determination of the authentication skip condition, as an example, the authentication skip determination processing unit 2117 acquires the current time based on the time measured by the clock unit 29A, and the current time is included in the set time zone. It suffices to judge whether or not.

<Condition category No. "SP2">
The condition category No. "SP2" is a category of "store / place", and is not limited to this, and includes, as an example, the authentication skip conditions of the condition Nos. "SP2-1" to "SP2-4".

In the offline state, the position calculation processing unit 217 may not be able to perform position calculation using the satellite positioning system. Therefore, in the offline state, the position calculation processing unit 217 is not limited to the terminal 20 based on the above-mentioned inertial navigation calculation, the beacon signal transmitted from the beacon installed in the above-mentioned member store, and the like. The terminal position of the above is calculated and specified, and is stored in the calculated terminal position history data 288. Then, the success or failure of the following authentication skip condition is determined based on the history of the calculated terminal position stored in the calculated terminal position history data 288 and the latest calculated terminal position. The beacon signal is not limited, but can be received by setting the Bluetooth function to "ON" on the terminal 20 as an example.

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

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is not limited, but as an example, the history of the calculated terminal position and the latest calculated terminal position stored in the calculated terminal position history data 288, and the settlement data 2832B. Whether or not there is a calculation terminal position that matches the latest calculation terminal position among the calculation terminal positions corresponding to the same date and time as the past payment date and time by acquiring the payment date and time stored in the payment history data of Can be determined.

As the authentication skip condition of the condition No. "SP2-2", "the store where the payment is scheduled is set" is defined. Basically, the setting store can be set on the server 10 side in advance. As an example, not limited to this, on the server 10 side, stores that are statistically frequently used by users can be aggregated and set as set stores. This means that authentication is omitted in stores where users frequently use, in order to improve user convenience.

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

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 stores the history of the calculated terminal position stored in the calculated terminal position history data 288 and the settlement history data of the settlement data 2832B as an example, not limited to the determination. The latest calculated terminal position is included in the calculated terminal position corresponding to the same date and time as the settlement date and time at the set store in the past by acquiring the settlement store name and the store information stored in the store data 2833. It is possible to determine whether or not there is a calculated terminal position that matches.

As the authentication skip condition of the condition No. "SP2-3", "the store scheduled to be settled is the store of the first specific industry" is defined.

The first specific industry is not limited, and as an example, an industry that many users use on a daily basis, such as a “convenience store” or a “supermarket”, can be set. When making a payment at these stores, it means that authentication is omitted in order to improve user convenience.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 stores the history of the calculated terminal position stored in the calculated terminal position history data 288 and the settlement history data of the settlement data 2832B as an example, not limited to the determination. The settlement store name that has been settled and the first specific industry flag stored in the store data 2833 are acquired, and the calculation corresponding to the same date and time as the past settlement date and time at the store with the first specific industry flag "ON". It is possible to determine whether or not there is a calculated terminal position that matches the latest calculated terminal position in the terminal position.

As the authentication skip condition of the condition No. "SP2-4", "exceeding the set time from the settlement date and time at the store of the second specific industry" is defined. As described above, the second specific industry can be set to an industry such as "Izakaya" where there is a high risk that the user misplaces the terminal 20. Further, as the set time, for example, a time such as "3 hours", "6 hours", or "12 hours" can be set. If payment is made at a store where there is a high risk of misplacement of the terminal 20, authentication is required from the payment date and time until the set time is exceeded, but if the payment date and time exceeds the set time, authentication is omitted. Means.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is stored in the current date and time based on the time measured by the clock unit 29A and the settlement history data of the settlement data 2832B as an example, not limited. Whether or not the set time exceeds the set time from the settlement date and time at the store where the current date and time is the second specific industry flag "ON" by acquiring the settlement date and time and the second specific industry flag stored in the store data 2833. Can be determined.

<Condition category No. "SP3">
The condition category No. "SP3" is a category of "amount", and is not limited to this, and includes, as an example, the authentication skip conditions of the condition Nos. "SP3-1" and "SP3-2".

As the authentication skip condition of the condition No. "SP3-1", "the daily upper limit set amount is not exceeded" is defined.
The "daily upper limit set amount" is an upper limit set amount that is set as a threshold value for the total amount of settlement amounts (settled amounts) that have already been settled in that day. That is, if the total amount of payments already settled in that day does not exceed the daily upper limit set amount, it means that the authentication is omitted in order to improve the convenience of the user.

On the contrary, if the total amount of payments already settled in that day exceeds the daily upper limit set amount, by performing authentication, you can tell that you are spending too much money in payment. It can call attention. In addition, when a minor or the like makes a payment, the guardian can restrict the use.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is not limited, but as an example, the daily upper limit set amount stored in the settlement data 2832B and the daily settlement specified from the settlement history data. It is possible to acquire the total amount of money and determine whether or not the total amount exceeds the daily upper limit set amount.

As the authentication skip condition of the condition No. "SP3-2", "the balance is less than or equal to the set amount (or less than the set amount) and the auto charge setting is OFF" is defined. The set amount is not limited, and as an example, the user of the terminal 20 can set it in advance. This is because if the balance is less than or equal to the set amount (or less than the set amount), the user cannot purchase a high-priced product by payment and the risk is considered to be low, so to improve the convenience of the user. It means to omit the authentication.

However, if the auto charge setting is "ON", the electronic money is automatically replenished, so that the user can purchase a high-priced product by payment, which poses a risk. Therefore, in addition to the balance being less than or equal to the set amount (or less than the set amount), the condition for skipping authentication is that the auto charge setting is "OFF".

In this case, if the auto charge setting is "ON", the authentication process is not skipped in principle even if the balance is less than or equal to the set amount (or less than the set amount). However, in consideration of improving the convenience of the user as described above, it is possible to skip the authentication process even if the auto charge setting is "ON". In this case, as an example, not limited, the auto charge setting OFF may be excluded from the authentication skip condition of the above condition No. "SP3-2", and the balance may be "less than or equal to the set amount (or less than the set amount)". In other words, even if the auto charge setting is "ON", the authentication process does not necessarily have to be required. If the auto charge is "ON", the balance may be less than or equal to the set amount (or less than the set amount). For example, the authentication process may be performed, or the authentication process may not be performed.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 acquires the balance and the auto charge setting stored in the settlement data 2832B as an example, and the balance is equal to or less than the set amount (or the set amount). It is possible to determine whether or not the auto charge setting is "OFF".

<Condition category No. "SP4">
The condition category No. "SP4" is a category of "commodity", and is not limited to the above, and includes, as an example, the authentication skip conditions of the condition Nos. "SP4-1" and "SP4-2".

As a condition for skipping the certification of the condition No. "SP4-1", "the product to be purchased is a fast-moving consumer goods" is defined.
The “product to be purchased” means a product (a product in an unconfirmed state before payment) to be purchased after payment is made. That is, when the product to be settled and purchased is a FMCG product, the authentication is omitted in order to improve the convenience of the user.

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

<Condition category No. "SP5">
The condition category No. "SP5" is a category of "security", and the authentication skip condition of the condition No. "SP5-1" is included in this category as an example without limitation.

As the authentication skip condition of the condition No. "SP5-1", "terminal lock or payment application lock" is defined. This is because when the OS side of the terminal 20 is locked or the payment application side is locked, the terminal unlock password and the payment application unlock password are used to unlock these lock states, respectively. Authentication is required by inputting. Therefore, in order to improve user convenience, it means that authentication for payment is not required.

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is not limited, but is stored in the terminal data 289 as the lock presence / absence information on the OS side of the terminal 20 and the payment application data 283 as an example. It is possible to acquire the information on whether or not the payment application is locked, and determine whether or not the terminal is locked or the payment application is locked.

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

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

In the determination of the authentication skip condition, the authentication skip determination processing unit 2117 is not limited, but as an example, the authentication setting on the terminal side stored in the terminal data 289 and the authentication setting on the payment application side stored in the payment application data 283. It is possible to acquire the authentication setting and determine whether or not at least one of the authentication setting on the terminal side and the authentication setting on the payment application side is "OFF".

Up to this point, a plurality of authentication skip conditions have been illustrated, but in this embodiment, as an example rather than a limitation, whether or not the authentication skip condition is applicable or not is defined for each of these authentication skip conditions. ing.

In this embodiment, the authentication skip condition of the condition Nos. "SP4-1" and "SP4-2" is defined as "x" which is not applicable. This is because the terminal 20 needs to acquire information about the product to be purchased in order to determine these authentication skip conditions. However, basically, the terminal 20 cannot acquire information about the product to be purchased, and it is also possible to determine whether or not the product to be purchased is a fast-moving consumer product and whether or not there is a purchase history of the product to be purchased. This is because it is not possible to determine.
However, if the terminal 20 can acquire the information about the product to be purchased, these authentication skip conditions will be applicable "○". The details will be described later in a modified example.

Further, in this embodiment, as an example, not a limitation, for each of the above authentication skip conditions, "importance" (authentication skip condition is preferentially applied), which is an index value indicating the degree of importance of the authentication skip condition. It can also be said to be a "priority" that indicates the degree.)

The importance is not limited, but is expressed in three stages from "A" to "C" as an example. The importance is determined so that "A" is the most important and "C" is the least important. Has been done.

Specifically, as an example, not a limitation, the conditions No. "SP1-1", "SP2-1", "SP2-4", "SP3-1", "SP3-2", "SP5-1", " The importance "A" is defined in the authentication skip condition of "SP6-1", the importance "B" is defined in the authentication skip conditions of the condition Nos. "SP2-2" and "SP2-3", and the condition No. " The importance "C" is defined in the authentication skip condition of "SP1-2". Further, in this embodiment, since the authentication skip conditions of the conditions No. "SP4-1" and "SP4-2" cannot be applied, "-(none)" is set as the importance.

It should be noted that the above-mentioned importance setting is merely an example, and it goes without saying that the setting can be changed as appropriate. Further, in this example, the applicability and importance are determined for each authentication skip condition (condition No.), but instead of this, the applicability and importance for each category of the authentication skip condition (condition category No.). The degree may or may not be set.

Further, it is also possible to set the authentication skip condition data 2837 only for the applicable authentication skip condition without providing the application / non-applicable column in the above authentication skip condition data 2837.

Further, in this example, the importance is set in association with the authentication skip condition, but this importance setting is not an essential requirement, and the importance can be set not. That is, the importance column may not be provided in the above-mentioned authentication skip condition data 2837.
In this case, in the authentication skip determination process, as an example, not limited, the success or failure of the authentication skip condition is determined in an arbitrary order, and if any of the authentication skip conditions is satisfied, it is determined that the authentication process is skipped. You just have to do it.

The information indicated by the category of the authentication skip condition in the above-mentioned authentication skip condition data 2837 and the information used for determining each authentication skip condition included in each category are included in the information related to electronic money.

Specifically, for example, the category of "SP1 (time)" includes information on the time when payment is made by electronic money, and this information can be said to be information on electronic money in a broad sense.
Further, for example, the category of "SP2 (store / place)" includes information on the place where payment is made by electronic money and information on the store where payment is made by electronic money, but these information are broadly defined. It can be said that it is information about electronic money.
Further, for example, the category of "SP3 (amount)" includes information on the amount of electronic money, and this information can be said to be information on electronic money in a broad sense.
Further, for example, the category of "SP4 (commodity)" includes information on a product purchased by electronic money, and this information can be said to be information on electronic money in a broad sense.

Since the meaning of the term "information about ..." is the same for other examples, the description of each case is omitted.

<Processing>
FIG. 9-6 is a flowchart showing an example of the flow of processing executed by each device in this embodiment. From the left side, the third payment application process, which is an example of the payment application process executed by the control unit 21 of the terminal 20, and the first store, which is an example of the store payment process executed by the control unit 51 of the store code reader device 50. The first settlement management process, which is an example of the settlement process and the settlement management process executed by the control unit 11 of the server 10, is shown respectively.

The flowchart of FIG. 9-6 is obtained by adding the steps A640 to A660 to the flowchart of FIG. 4-12.

Here, a case where steps 640 to A660 are added to the flowchart of FIG. 4-12 is illustrated, but these steps are described in other flowcharts (for example, the flowchart of FIG. 3-1 and the flowchart of FIG. 3-4). , The flowchart of FIG. 5-2, the flowchart of FIG. 6-3, the flowchart of FIG. 10 and the like) can be similarly added.

After A240, when the user goes offline and, for example, the user of the terminal 20 performs a code display operation, the authentication skip determination processing unit 2117 performs the authentication skip determination process (A640).

Specifically, among the authentication skip conditions stored in which "○" is associated with the application / non-application of the authentication skip condition data 2837 as an example rather than a limitation, the importance is "A" or "A" or "" as an example rather than a limitation. The authentication skip condition associated with "B" is determined as the authentication skip condition to be applied. Then, the information necessary for determining each of the determined authentication skip conditions is acquired, and the success or failure of the authentication skip condition is determined. The information and the determination method required for determining each authentication skip condition are as described above. Then, as an example, not a limitation, it is determined that the authentication process is skipped when at least one authentication skip condition is satisfied, and it is determined that the authentication process is not skipped in other cases.

The above-mentioned method for determining the authentication skip condition and the method for determining the success or failure of the authentication skip condition are merely examples, and are not limited thereto.

Specifically, as an example rather than a limitation, only the authentication skip condition associated with the importance "A" may or may not be determined as the application skip condition to be applied. .. Further, the authentication skip condition of importance "C" may or may not be included in the applied authentication skip condition.

Further, as an example, not limited, for the authentication skip condition associated with the importance of "A", it is determined that the authentication process is skipped if at least one authentication skip condition is satisfied, but the importance is "B". With respect to the authentication skip condition associated with, it may or may not be determined that the authentication process is skipped when all the authentication skip conditions are satisfied.

After that, the control unit 21 determines whether or not it is determined that the authentication process is skipped in the authentication skip determination process (A650). If it is determined not to skip the authentication process (A650: NO), the authentication processing unit 2115 performs the authentication process (A660).

Specifically, as an example, not limited, the authentication screen is displayed on the display unit 24, and the user is asked to enter the authentication password. Then, it is determined whether or not the entered authentication password matches the authentication password stored in the payment data 2832B. If they match, the authentication result is set to "OK", and if they do not match, the authentication result is set to "NG".

If the authentication result is determined to be "NG" in the authentication process, the control unit 21 executes an error process (not shown) as an example, not a limitation. Specifically, as an example, the authentication process is executed again by notifying the user to re-enter the authentication password. On the other hand, if the authentication result is determined to be "OK" in the authentication process, the control unit 21 shifts the process to the A350.

If it is determined that the authentication process is skipped (A650: YES), the control unit 21 skips the authentication process of the A660 and shifts the process to the A350.

<Effect of the sixth embodiment>
In the sixth embodiment, the terminal 20 acquires an authentication password (not limited, but an example of information about the user of the terminal) by the control unit 21. Then, the terminal 20 executes the authentication process by the control unit 21 based on the acquired authentication password. Then, the terminal 20 shows a configuration in which the control unit 21 executes an extended terminal display code generation process and a code display process (not limited to an example of a process related to payment) based on the authentication process.
As an example of the effect obtained by such a configuration, it is possible to enhance the security of payment by executing the process of authenticating the user based on the acquired information about the user of the terminal and then performing the process of payment. it can.

Further, in the sixth embodiment, information for determining whether or not the terminal 20 skips the authentication process for authenticating the user of the terminal 20 (not limited, but skips the process related to the authentication of the user of the terminal). Information for) is acquired by the control unit 21. Then, when this information is acquired, the authentication process is skipped and the code display (not limited, but an example of the first display) is displayed in one area, and when this information is not acquired, the authentication process is performed. The configuration for displaying the code display in one area is shown.
As an example of the effect obtained by such a configuration, when the terminal acquires the information for skipping the processing related to the authentication of the terminal user by the control unit, the terminal skips the processing related to the authentication of the terminal user and first displays it. Is displayed in the display area, so that the time required for payment can be shortened. On the other hand, when the control unit does not acquire the information for skipping the processing related to the authentication of the terminal user, the processing related to the authentication of the terminal user is performed and the first display is displayed in the display area to display the terminal user. After confirming that is a legitimate user, the first display can be displayed in the display area.

In this embodiment, not only in the online state but also in the offline state, the terminal 20 can perform the authentication skip determination and then perform the authentication or skip the authentication. In addition, since authentication skip judgment and authentication are performed on the terminal side instead of authentication skip judgment and authentication on the server side, authentication execution / non-execution can be switched on the terminal side even in the offline state. ..

Further, in this embodiment, not only in the offline state but also in the online state, the authentication skip determination and authentication are performed on the terminal side instead of performing the authentication skip determination and authentication on the server side. As a result, the terminal does not have to perform unnecessary communication with the server, so that payment can be made quickly and smoothly.

<Sixth variant (1)>
In the sixth embodiment, the type of authentication for the user of the terminal 20 is password authentication, and the display process related to the execution of this authentication is the process of displaying the authentication screen for inputting the authentication password, but the present invention is not limited to this. In addition to this, for example, the type of authentication for the user of the terminal 20 is biometric authentication such as face authentication, fingerprint authentication, voice authentication, and the process of displaying the authentication screen necessary for performing these biometric authentication is performed on the terminal. It may or may not be a display process related to the execution of authentication for the user.

Further, as an example, the process of displaying the authentication screen in the authentication process for acquiring an account such as the application ID of the payment application may be a display process related to the execution of authentication for the terminal user. , You don't have to. Then, when the result of this authentication process is "OK", the terminal 20 may receive an account for using the payment application from the server 10 as information related to payment by electronic money. , You don't have to.

<Effect of the sixth modification (1)>
As an example of the effect of this modification, the terminal can easily provide information on payment by electronic money without displaying processing related to the execution of authentication for the terminal user in the same way for authentication different from the authentication using the authentication password. Can be received by.

Further, the terminal can easily acquire the information necessary for using the payment service as the information related to the payment by electronic money without performing the display processing regarding the execution of the authentication for the user of the terminal.

<Sixth variant (2)>
In the sixth embodiment, the store position information is included in the store data 2833, and the terminal 20 has the store position indicated by the store position information included in the store data 2833 and the calculated terminal position calculated by the position calculation processing unit 217. The authentication skip determination may or may not be performed based on the above.

Specifically, for example, when determining the authentication skip condition of the "store scheduled to be settled" of the condition No. "SP2-2" included in the condition category No. "SP2", the latest calculated terminal position of the terminal 20 However, it is possible to determine whether or not the position of the set store stored in the store data 2833 matches.
The same applies to other authentication skip conditions related to stores / locations.

<Effect of the sixth modification (2)>
As an example of the effect obtained by this modification, the terminal can easily determine the success or failure of the authentication skip condition based on the terminal position information calculated by its own terminal 20 and the store position information stored in advance. it can.

<Sixth variant (3)>
The authentication skip condition described in the sixth embodiment is merely an example, and can be added, deleted, or changed as appropriate.

Specifically, as an example, not limited, the authentication skip condition that "the current date and time is within the set time from the last settlement date and time" of the condition No. "SP1-1" is "the current date and time is within the set time from the last authentication date and time". It can also be. This is, for example, when the user of the terminal 20 authenticates with the terminal 20 when purchasing a certain product (for example, a lunch box), and then immediately re-uses the terminal 20 to purchase another product (for example, coffee). This is because there may be cases where authentication is required.

In addition, the above "final authentication date and time" is not necessarily limited to the date and time when the authentication for settlement was last performed, and is not limited, but as an example, the authentication for remittance in the case of interpersonal remittance of electronic currency. Was last performed, the date and time when the authentication for unlocking the OS side of the terminal 20 was last performed, the date and time when the authentication for unlocking the payment application side was last performed, etc. The date and time when the type of authentication different from the authentication for payment was last performed can be set as the "last authentication date and time" in the above authentication skip condition.

Further, as an example, not limited, the "last settlement date and time" in the authentication skip condition of the condition No. "SP1-1" is set to the "last charge date and time" which is the latest date and time when the electronic money is charged by the user, and the settlement. It can also be the "last payment-related operation date and time", which is the latest date and time when the user operation related to payment is performed in the application. If it is not so long since the electronic money was last charged, it is likely that the user has charged the electronic money for payment, so it is reasonable to skip the authentication process. In addition, if not much time has passed since the last user operation related to payment in the payment application, it is highly possible that the user performed the operation with the intention of making payment, so the authentication process. It is rational to skip.

Further, the "set time zone" in the authentication skip condition of the condition No. "SP1-2" can be a concept including a specific day of the week or a specific date. As an example, not limited to, Saturday or Sunday may be set as a specific day of the week. This is because many users go out for shopping and meals on Saturdays and Sundays, and there is a tendency for more opportunities to make payments. Further, as a specific date, Christmas (including Christmas Eve), New Year's three days, Golden Week, etc. may be set. At Christmas, many users go out to buy gifts or go out for dinner. In addition, many users go out for the first sale on the third day. In addition, many users go out for vacations during Golden Week. For this reason, it is thought that there will be more opportunities for each settlement to be made.

In addition, there is a risk that the user of the terminal 20 may use his / her own terminal 20 by a third party to purchase a high-priced product by payment and cash it. Therefore, it is possible to add an authentication skip condition stating that "the store scheduled to be settled is not a store that sells highly cashable products" as an example, not limited. Highly cashable products are, for example, products such as jewelery and wristwatches, and if payment is scheduled to be made at a store (jewelry store, wristwatch store, etc.) that sells such products, the terminal 20 is used. It is possible to prevent the authentication process from being skipped.

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

<Effect of the sixth modification (3)>
As an example of the effect obtained by this modified example, when the terminal is settled by electronic money, not only the case where the authentication for payment is within the set time from the date and time when the authentication for payment was last performed, but also the authentication for payment is Even when different types of authentication are performed within a set time from the date and time when the authentication was last performed, it is possible to further improve the convenience of the user by not displaying the display related to the execution of the authentication.

In addition, when making a payment using electronic money, if the payment of electronic money is within the time set from the last date and time, or within the time set from the date and time when the operation related to payment in the application was last performed. In this case, the convenience of the user can be further improved by not displaying the execution of authentication.

In addition, the convenience of the user can be further improved by not displaying the execution of authentication on a specific day of the week or a specific date.

In addition, by not performing display processing related to the execution of authentication for the terminal user based on the information considering the user's risk, appropriate payment considering the balance between user convenience and risk is realized. be able to.

<Sixth variant (4)>
In the sixth embodiment, since the terminal 20 cannot acquire the information about the product to be purchased, the authentication skip condition of "SP4 (product)" cannot be applied, but it can be applied by, for example, the following method.

Specifically, as an example, not limited to, a camera provided as a function of a payment application (hereinafter, referred to as an "application camera"), or an image pickup device (or an imaging device such as a camera 27) provided as a function of a terminal 20. The software for identifying the type of product based on the captured image captured by the imaging unit) is stored in the storage unit 28 of the terminal 20 in advance.

The terminal 20 activates the application camera or the camera 27 according to the user operation to take an image of the product to be purchased. That is, the user of the terminal 20 takes an image of the product to be purchased with the application camera or the camera 27 at the code register 60 of the store. Then, the terminal 20 performs a product type identification process for identifying the product type from the captured image.

FIG. 9-7 is a diagram showing an example of the authentication skip condition data 2837 in this case. This data structure is the same as the authentication skip condition data 2837 in FIG. 9-5, but the portion surrounded by the thick black frame is different.

Specifically, "○" is set as to whether or not the certification skip condition of "the product to be purchased is a fast-moving consumer goods" of the condition No. "SP4-1" is applied. This is because it is possible to identify the product type on the terminal 20 by using the above method, and therefore, based on the identified product type, whether or not the product to be purchased is a fast-moving consumer product is determined. This is because it can be determined. In addition, as an example, "B" is set for the importance.

In addition, "○" is set for whether or not the authentication skip condition of "there is a purchase history of the product to be purchased" of the condition No. "SP4-2" is applied. This is because the terminal 20 can identify the product type by using the above method. Therefore, by storing the history of the identified product type in the storage unit 28, the product to be purchased This is because it is possible to determine whether or not there is a purchase history. In addition, as an example, "B" is set for the importance.

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

In this case, as an example, not limited to, the store code reader device 50 identifies the type of the product to be purchased based on the captured image taken by the camera. Then, the information on the type of the identified product to be purchased can be transmitted to the terminal 20.

Further, as another method, the store code reader device 50 transmits the data of the captured image captured by the camera to the terminal 20. Then, the terminal 20 can identify the type of the product to be purchased based on the data of the captured image received from the store code reader device 50.

In this case, for example, even if communication cannot be performed by the first communication method described above, if communication can be performed by the second communication method, information and data related to the product can be obtained by the second communication method. It can be transmitted from the store code reader device 50 to the terminal 20. Alternatively, if short-range wireless communication methods such as Bluetooth and infrared communication can be used, information and data related to the product can be transmitted from the store code reader device 50 to the terminal 20 by these communication methods.

<Effect of the sixth modification (4)>
In this modified example, the information different from the above-mentioned authentication password shows a configuration including information on the product sold in the store (not limited, but an example of information on the product).
As an example of the effect obtained by such a configuration, the terminal does not have to perform the display processing related to the execution of authentication for the user of the terminal based on the information about the product, so that the processing load of the terminal can be reduced.

Further, in this modification, the terminal 20 acquires a photographed image of a product to be purchased, which is photographed by the application camera or the camera 27 (not limited, but an example of an imaging device) of the terminal 20, and is based on the acquired photographed image. , Indicates a configuration that does not perform authentication processing.
As an example of the effect obtained by such a configuration, since the terminal does not display the execution of authentication based on the image of the product taken by the image pickup device, the processing load of the terminal can be reduced. For example, if the product identified from the image taken by the image pickup device is a product that has a purchase history in the past, or if it is a product of a specific type, the user does not display the execution of authentication. It is possible to improve the convenience of.

Further, in this modification, the information different from the above-mentioned authentication password shows a configuration including information on the product to be purchased (not limited, but an example of information on the product purchased by the terminal user).
As an example of the effect obtained by such a configuration, the terminal does not have to perform the display processing related to the execution of authentication for the terminal user based on the information about the product purchased by the terminal user, so that the processing load of the terminal is increased. Can be mitigated.

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

Further, this modification shows a configuration in which the authentication process is not performed when the information of the product to be purchased by the user of the terminal 20 is acquired and it is determined that the product to be purchased is a fast-moving consumer product.
As an example of the effect obtained by such a configuration, when the product purchased by the user is a fast-moving consumer product, the terminal does not display the execution of authentication, so that the processing load of the terminal can be reduced. In addition, if you purchase fast-moving consumer goods, the risk is considered to be low, so by not displaying the execution of authentication, it is possible to improve user convenience while ensuring safety. ..

In addition to the above, as a method for identifying a product purchased by the user of the terminal 20 and the product type thereof on the terminal 20, a method using non-contact communication can be applied as an example without limitation.

Specifically, as an example, not limited, an RF tag (for example, an IC tag) in which product identification information or product type identification information is stored is embedded for each product or product type sold in a store. Further, the terminal 20 is provided with a reader / writer compatible with RF tags. Then, the terminal 20 scans the RF tag embedded in the product purchased by the user with radio waves and acquires the product identification information and the product type identification information stored in the RF tag to obtain the product purchased by the user and the product thereof. Identify the product type.

<7th Example>
When an offline payment is made, the user of the terminal 20 cannot know that the payment has been made successfully unless the terminal 20 returns to the online state and receives the payment completion notification for the terminal from the server 10. Therefore, for example, a malicious store clerk or the like recognizes that the payment has been successfully completed by receiving the store payment completion notification from the server 10 by the store code reader device 50. However, it is assumed that the user of the terminal 20 is verbally pointed out that an error has occurred and that a fraud is performed that urges cash payment.

The contents described in the seventh embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already described are designated by the same reference numerals, and the description thereof will be omitted again.

FIG. 10 is a flowchart showing an example of the flow of processing executed by each device in this embodiment. From the left side, the third payment application process, which is an example of the payment application process executed by the control unit 21 of the terminal 20, and the second store, which is an example of the store payment process executed by the control unit 51 of the store code reader device 50. The first settlement management process, which is an example of the settlement process and the settlement management process executed by the control unit 11 of the server 10, is shown respectively.

The flowchart of FIG. 10 is obtained by adding the step of B390 to the flowchart of FIG. 4-12.

When the communication I / F 54 receives the store settlement completion notification from the server 10 in B280, the control unit 51 performs the settlement completion confirmation notification process (B390). Specifically, for example, a voice indicating that the payment has been completed (successful) or some sound effect (for example, a chime sound "ping pong" or a cash register sound "charine") is output from the sound output unit 56. By doing so, the user of the terminal 20 can confirm that the payment has been completed successfully by the sound output from the store code reader device 50.

In addition to this, the control unit 51 may cause the display unit 53 to display a payment completion confirmation screen including a message indicating that the payment has been completed (successful). In this case, as an example, not limited, the store prepares a payment completion confirmation screen unique to the store, and when the payment is completed, it is obliged to present the payment completion confirmation screen to the customer. By doing so, the user of the terminal 20 can confirm that the payment has been completed successfully on the screen displayed on the store code reader device 50.

It should be noted that the display unit 53 of the store code reader device 50 does not display the payment completion confirmation screen, but is provided as an example, not limited to, integrally with the code register 60 or separately from the code register 60. The payment completion confirmation screen may or may not be displayed on the display with the display surface facing the customer side.

<Effect of the 7th Example>
According to the seventh embodiment, for example, since the store side notifies the user of the terminal 20 that the offline payment has been made, it is possible to prevent fraud on the store side and improve the convenience of the user. Can be done.

<8th Example>
The eighth embodiment is an example relating to a coping method when there is a suspicious point in the result of offline payment.
The contents described in the eighth embodiment can be applied to any of the other embodiments and the other modifications.
Further, the same components as those already described are designated by the same reference numerals, and the description thereof will be omitted again.

FIG. 11-1 is a diagram showing a configuration example of the payment management database 157B, which is an example of the payment management database 157 stored in the storage unit 15 of the server 10 in this embodiment.
The payment management database 157B stores payment management data generated for each terminal 20 or for each user of the terminal 20.

In each payment management data, in addition to the application ID, the balance, the points, the daily upper limit set amount, the auto charge setting, and the payment history data, a credit score is stored as an example, not limited.

The credit score represents the social credit of the user of the terminal 20 by a numerical value, a rank, or the like.
The credit score is not limited, but is calculated based on the payment record, age, working style, annual income, etc. of the user of the terminal 20, and is updated as needed.

As an example, not a limitation, the credit score is quantified by the point system of "0 points" to "100 points", the credit score "100 points" is the highest social credit of the user, and the credit score "0 points" is the user. Can be shown to have the lowest social credibility.

FIG. 11-2 is a diagram showing a configuration example of code management data 159B, which is an example of code management data 159 stored in the storage unit 15 of the server 10 in this embodiment.
In the code management data 159B, as an example, the code generation date and time, the application ID, and the payment number are associated and stored in a time series.

In this embodiment, the server 10 determines the credit score stored in the payment management data in association with the application ID after performing the payment processing in the offline state. Then, as an example, not a limitation, when the determined credit score is equal to or less than the set threshold score (or less than the predetermined threshold score), the payment confirmation notification for confirming to the user of the terminal 20 whether the payment is correct or not. Is transmitted to the terminal 20. After returning to the online state, the terminal 20 receives this payment confirmation notification.

In this case, the above threshold score may or may not be changed based on the relationship between the credit score and the settlement amount. Specifically, as an example, not limiting, the larger the payment amount, the higher the threshold score so that the payment confirmation notification can be easily transmitted to the terminal 20. On the contrary, the smaller the payment amount, the lower the credit score so that the payment confirmation notification is less likely to be transmitted to the terminal 20.

Further, the server 10 refers to the code management data 159B after performing the payment processing in the offline state, and determines the code generation date and time stored in association with the application ID and the payment number for which the payment processing was performed. Then, as an example, not limited, if the elapsed time from the determined code generation date and time to the date and time when the settlement process is performed is equal to or greater than the set threshold time (or exceeds the threshold time), the terminal 20 determines whether the settlement is correct. A payment confirmation notification for confirmation is transmitted to the terminal 20. After returning to the online state, the terminal 20 receives this payment confirmation notification.

In this case, the above threshold time may or may not be changed based on the relationship between the elapsed time and the settlement amount. Specifically, as an example, not limited, the larger the payment amount, the shorter the threshold time so that the payment confirmation notification can be easily transmitted to the terminal 20. On the contrary, as the payment amount is smaller, the threshold time is lengthened so that the payment confirmation notification is less likely to be transmitted to the terminal 20.

Upon receiving the payment confirmation notification, the control unit 21 of the terminal 20 causes the display unit 24 to display the received payment confirmation notification as an example, not limited to it. In this case, the user of the terminal 20 confirms the content of the payment confirmation notification and confirms whether or not the payment is proper by himself / herself. Then, when it is determined that the payment is not proper, the server 10 is contacted regarding the objection to the payment by using its own terminal 20.

<Effect of the eighth embodiment>
According to the eighth embodiment, when the offline payment is made by the server, the terminal receives and notifies the information regarding the confirmation of the payment from the server after returning to the online state based on the condition being satisfied. .. As a result, the user of the terminal can confirm whether or not there is any suspicious point in the payment. In addition, when there is a suspicious point, the user can file an objection using his / her own terminal.

1 Communication system 10 Server 20 Terminal 30 Network 40 Store POS system 50 Store code reader device 60 Code cash register 70 Store server

Claims (26)

It is an information processing method of a terminal that executes a process related to the payment based on the first information for performing a payment by a code image.
Receiving the first information transmitted from the server via the communication unit of the terminal, and
The received first information is stored in the storage unit of the terminal by the control unit of the terminal.
Including displaying a first code image based on the first information and second information different from the first information in the display area of the terminal.
The settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information. The information processing method according to claim 1.
The first code image includes a second code image based on the first information displayed in the first area of the display area and a third code based on the second information displayed in the second area of the display area. Includes images. The information processing method according to claim 1.
The first code image is one code image based on the first information and the second information. The information processing method according to any one of claims 1 to 3.
In the settlement, the first information and the second information are sent to the server based on the reading of the first code image by the code reading device, and the payment is based on the first information and the second information. Executed by the server. The information processing method according to claim 4.
The settlement is executed by the server based on the second information and the third information stored in the server and associated with the first information. The information processing method according to claim 5.
The settlement is executed by the server when the second information and the third information match. The information processing method according to any one of claims 1 to 6.
The second information is transmitted from the server. The information processing method according to claim 7.
The second information is code information different from the first information. The information processing method according to any one of claims 1 to 6.
The second information is identification information for identifying the terminal or a user of the terminal. The information processing method according to any one of claims 1 to 9.
Based on the completion of the payment based on the first information, receiving the fourth information for performing the payment by the code image, which is different from the first information, via the communication unit.
This includes storing the received fourth information in the storage unit. The information processing method according to claim 10.
This includes receiving the fourth information via the communication unit based on the communication status of the communication unit. The information processing method according to claim 11.
When communication by the communication unit is possible, it includes transmitting information for acquiring the fourth information to the server via the communication unit. The information processing method according to claim 11.
The fourth information is pushed and transmitted from the server. The information processing method according to any one of claims 1 to 9.
Based on the input by the user of the terminal regarding the update of the balance of electronic money that can be used for the payment, the fourth information for performing the payment by the code image, which is different from the first information, is transmitted via the communication unit. To receive and
This includes storing the received fourth information in the storage unit. The information processing method according to any one of claims 1 to 14.
This includes displaying information on the balance of electronic money that can be used for the settlement in the display area. The information processing method according to claim 15.
Based on the communication status of the communication unit, the control unit receives the balance information from the server via the communication unit.
This includes displaying the received information on the balance in the display area. The information processing method according to claim 15 or 16.
The balance information includes information on a date displayed in the display area, or information on a time when the balance information is displayed in the display area is displayed in the display area. The information processing method according to any one of claims 15 to 17.
This includes modifying the balance displayed in the display area based on the input relating to the modification of the balance information. The information processing method according to any one of claims 15 to 18.
The display includes displaying in the display area a display for updating the balance information by input of the user of the terminal. The information processing method according to claim 1.
Displaying information on the balance of electronic money that can be used for the settlement in the display area, and
Displaying a display for updating the balance information by input of the user of the terminal in the display area, and
Displaying the first code image in the third area of the display area and displaying the balance information in the fourth area of the display area.
Based on the user's input of the terminal to the display for updating the balance information, the balance displayed in the fourth area with the first code image displayed in the third area. Includes updating information. The information processing method according to any one of claims 1 to 20.
Acquiring information about the user of the terminal by the control unit,
The control unit executes the process of authenticating the user based on the acquired information about the user of the terminal.
The control unit executes a process related to the payment based on the process of authenticating the user. The information processing method according to any one of claims 1 to 21.
Acquiring information for skipping the process related to authentication of the user of the terminal by the control unit, and
When the information for skipping is acquired, the process related to the authentication of the user of the terminal is skipped, the first code image is displayed in the display area, and when the information for skipping is not acquired, the above. It includes performing a process related to authentication of a user of a terminal and displaying the first information in the display area. A program executed by the computer of the terminal that executes the processing related to the payment based on the first information for performing the payment by the code image.
Receiving the first information transmitted from the server via the communication unit of the terminal, and
To store the received first information in the storage unit of the terminal,
Including displaying a first code image based on the first information and second information different from the first information in the display area of the terminal.
The settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information. A terminal that executes processing related to payment based on the first information for making payment using a code image.
A communication unit that receives the first information transmitted from the server, and
A control unit that controls to store the received first information in the storage unit of the terminal, and
A display unit for displaying a first code image based on the first information and second information different from the first information is provided.
The settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information. A terminal that executes processing related to payment based on the first information for making payment using a code image.
A processor that reads the program from the memory in which the program is stored and executes processing based on the program is provided.
The processor
Receiving the first information transmitted from the server via the communication unit of the terminal, and
To store the received first information in the storage unit of the terminal,
Displaying the first code image based on the first information and the second information different from the first information in the display area of the terminal is executed.
The settlement is executed by the server based on the first information received by the server based on the display of the first code image and the second information. It is an information processing method of a server that executes the payment of a terminal that performs processing related to the payment based on the first information for performing the payment by a code image.
Sending the first information to the terminal via the communication unit of the server,
Based on the fact that the first code image based on the first information displayed in the display area of the terminal and the second information different from the first information is read by the code reading device, the code reading device transmits the first code image. Receiving the first information based on the first code image and the second information via the communication unit.
The settlement includes the first information, the second information, and the third information stored in the storage unit of the server and associated with the first information.

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