JP2021018646A - Information processing apparatus, portable terminal, and program - Google Patents

Abstract

To suppress illegal use in electronic settlement by means of a new method.SOLUTION: A user can perform touchless electronic settlement with a portable terminal 10 in his or her pocket without requiring the user to hold the portable terminal 10 over a store terminal 20. Specifically, a user who intends to perform electronic settlement is allowed to perform the settlement by comparing a position of the portable terminal 10 on the body of the user and an attitude of the portable terminal 10 with a predetermined payment condition.SELECTED DRAWING: Figure 1

Description

The present invention relates to a technique for electronically making a payment.

As a technique for preventing unauthorized use when making electronic payments, for example, Patent Document 1 describes a portable information terminal for an IC card when performing non-contact communication between a portable information terminal device and an IC card. It is disclosed that the posture of the device is restricted and access to the IC card is permitted only when the housing of the portable information terminal device is in a substantially horizontal state, for example.

JP-A-2016-110464

It is assumed that the method of restricting the posture of the portable information terminal device as described above alone cannot completely prevent the unauthorized use of electronic payment.

Therefore, an object of the present invention is to suppress fraudulent use in electronic payment by an unprecedented method.

In order to solve the above problems, the present invention presents an identifier specifying unit for specifying an identifier of a mobile terminal carried by a user, and a mobile phone for specifying a mobile position where the mobile terminal is carried in the user's body. A position specifying unit and a permission unit that permits payment using the specified mobile terminal when the specified mobile phone position matches the payment conditions associated with the specified mobile terminal identifier are provided. Provide an information processing apparatus characterized by.

The mobile position specifying unit may specify the mobile position by positioning using wireless communication with the mobile terminal carried by the user who maintains a determined posture at a determined position. ..

The mobile position specifying unit identifies the mobile position by calculating the amount of change and the direction of change when the position of the mobile terminal carried by the user is changed by using wireless communication with the mobile terminal. You may try to do it.

The posture specifying unit for specifying the posture of the mobile terminal is provided, and the permission unit is used when the specified mobile position and the posture match the payment conditions associated with the identified identifier of the mobile terminal. May allow payment using the identifier.

The settlement conditions may be different depending on the amount to be settled.

The settlement conditions may be different depending on the type, place or time of the commercial transaction performed in response to the settlement.

A behavior specifying unit for specifying the behavior of the mobile terminal is provided, and the permission unit is a predetermined distance from the own device based on the mobile position specified by the mobile position specifying unit and the behavior specified by the behavior specifying unit. A mobile terminal that exists within the range of the above and whose behavior falls within the predetermined range may be subject to the permission.

Further, according to the present invention, when the mobile position specifying unit that specifies the mobile position where the own terminal is carried in the user's body and the specified mobile position match the payment conditions of the own terminal. Provided is a mobile terminal provided with a permission unit for permitting payment using an identifier of the own terminal.

Further, the present invention specifies an identifier specifying unit that specifies an identifier of a mobile terminal carried by a user on a computer, and a mobile position specifying a mobile position that is a position where the mobile terminal is carried in the user's body. To realize a unit and a permission unit that permits payment using the specified mobile terminal when the specified mobile phone position matches the payment conditions associated with the specified mobile terminal identifier. Provide a program.

Further, in the present invention, the computer of the mobile terminal has a mobile position specifying unit that specifies the mobile position where the own terminal is carried in the user's body, and the specified mobile position is the payment condition of the own terminal. In the case of matching with, a permission unit for permitting payment using the identifier of the own terminal and a program for realizing the above are provided.

According to the present invention, fraudulent use in electronic payment can be suppressed by an unprecedented method.

It is a figure which shows an example of the structure of the payment system 1. It is a figure which shows the hardware composition of the mobile terminal 10. It is a figure which shows the hardware composition of the store terminal 20. It is a figure which shows the hardware composition of the server apparatus 30. It is a figure which shows an example of the functional structure of the payment system 1. It is a figure which shows an example of the settlement condition which the server apparatus 30 stores. It is a sequence diagram which shows the operation example of the payment system 1.

[Constitution]
FIG. 1 is a diagram showing an example of the payment system 1 of the present embodiment. The payment system 1 includes a mobile terminal 10 carried by a user, a store terminal 20 installed in a commercial store, a server device 30 that holds various data related to payment and performs electronic payment processing, a wireless communication network, or a wireless communication network. It is provided with a communication network 2 including a wired communication network. Although FIG. 1 shows one mobile terminal 10, one store terminal 20, and one server device 30, each of these may be plural. The information processing device according to the present invention may be realized by any one of the mobile terminal 10, the store terminal 20, or the server device 30, and at least any two or more of the mobile terminal 10, the store terminal 20, or the server device 30. It may be realized by the cooperation of terminals or devices. In the present embodiment, an example in which the information processing device according to the present invention is realized by the store terminal 20 will be described.

In the payment system currently in widespread use, the user intends to make a payment by bringing his / her mobile terminal closer to the store terminal (that is, holding the mobile terminal over the store terminal). It is clearly stated that the user is a user, and electronic payment is made via non-contact communication by NFC (Near field communication) or the like. In the present embodiment, even if the user does not hold the mobile terminal over the store terminal, for example, the electronic payment can be performed while the mobile terminal is kept in the pocket or bag of his / her own clothes. Payment that does not require the user to hold the mobile terminal over the store terminal in this way is called touchless payment. The mechanism will be described in detail below.

FIG. 2 is a diagram showing a hardware configuration of the mobile terminal 10. The mobile terminal 10 is a computer that can be carried by a user, such as a smartphone, a wearable terminal, or a tablet terminal. The mobile terminal 10 physically includes a processor 1001, a memory 1002, a storage 1003, a network communication device 1004, an input device 1005, an output device 1006, a sensor 1007, a smart card 1008, a UWB (Ultra Wide Band) communication device 1009, and It is configured as a computer device including a bus that connects them. Each of these devices operates on power supplied by a battery (not shown). In the following description, the word "device" can be read as a circuit, device, unit, or the like. The hardware configuration of the mobile terminal 10 may be configured to include one or more of the devices shown in the figure, or may be configured not to include some of the devices. Further, a plurality of devices having different housings may be connected by communication to form a mobile terminal 10.

For each function of the mobile terminal 10, the processor 1001 performs an operation by loading predetermined software (program) on the hardware such as the processor 1001 and the memory 1002, and controls the communication by the network communication device 1004, or the memory. It is realized by controlling at least one of reading and writing of data in the 1002 and the storage 1003.

Processor 1001 operates, for example, an operating system to control the entire computer. The processor 1001 may be configured by a central processing unit (CPU) including an interface with a peripheral device, a control device, an arithmetic unit, a register, and the like. Further, for example, a baseband signal processing unit, a call processing unit, and the like may be realized by the processor 1001.

The processor 1001 reads a program (program code), a software module, data, and the like from at least one of the storage 1003 and the network communication device 1004 into the memory 1002, and executes various processes according to these. As the program, a program that causes a computer to execute at least a part of the operations described later is used. The functional block of the mobile terminal 10 may be realized by a control program stored in the memory 1002 and operating in the processor 1001. Various processes may be executed by one processor 1001, but may be executed simultaneously or sequentially by two or more processors 1001. Processor 1001 may be implemented by one or more chips. The program may be transmitted from the communication network 2 to the mobile terminal 10 via a telecommunication line.

The memory 1002 is a computer-readable recording medium, and is composed of at least one such as a ROM (Read Only Memory), an EPROM (Erasable Programmable ROM), an EEPROM (Electrically Erasable Programmable ROM), and a RAM (Random Access Memory). May be done. The memory 1002 may be referred to as a register, a cache, a main memory (main storage device), or the like. The memory 1002 can store a program (program code), a software module, or the like that can be executed to carry out the method according to the present embodiment.

The storage 1003 is a computer-readable recording medium, and is, for example, an optical disk such as a CD-ROM (Compact Disc ROM), a hard disk drive, a flexible disk, an optical magnetic disk (for example, a compact disk, a digital versatile disk, or a Blu-ray). It may consist of at least one (registered trademark) disk), smart card, flash memory (eg, card, stick, key drive), floppy (registered trademark) disk, magnetic strip, and the like. The storage 1003 may be referred to as an auxiliary storage device.

The network communication device 1004 is hardware (transmission / reception device) for communicating between computers via a communication network 2 according to a communication standard such as LTE (Long Time Evolution), and is, for example, a network device, a network controller, or a network card. , Also called a communication module. The network communication device 1004 includes, for example, a high frequency switch, a duplexer, a filter, a frequency synthesizer, etc. in order to realize at least one of FDD (Frequency Division Duplex) and Time Division Duplex (TDD). It may be configured to include. For example, the transmission / reception antenna, the amplifier unit, the transmission / reception unit, the transmission line interface, and the like may be realized by the network communication device 1004. The transmission / reception unit may be physically or logically separated from each other in the transmission unit and the reception unit.

The input device 1005 is an input device (for example, a key, a microphone, a switch, a button, a camera, etc.) that receives an input from the outside. The output device 1006 is an output device (for example, a display, a speaker, an LED lamp, etc.) that outputs to the outside. The input device 2005 and the output device 2006 may have an integrated configuration (for example, a touch panel).

The sensor 1007 includes, for example, an acceleration sensor, a gyro sensor, an orientation sensor, and the like. By analyzing the sensing data detected by the sensor 1007, the posture and behavior of the mobile terminal 10 are specified.

The smart card 1008 is a storage medium for storing data for electronic payment. The smart card 1008 stores, for example, an identifier of the smart card 1008, authentication information for performing authentication with the store terminal 20, and the like. In this embodiment, the mobile terminal 10 and the smart card 1008 have a one-to-one correspondence. Therefore, the identifier of the smart card 1008 can be used as the identifier of the mobile terminal 10.

The UWB communication device 1009 is hardware (transmission / reception device) for performing wireless communication between computers (hereinafter referred to as UWB communication) in accordance with the UWB communication standard. In UWB, three functions of positioning, radar, and wireless communication can be realized. In particular, in the present embodiment, the functions of positioning and wireless communication are used. It is known that the accuracy of positioning by UWB is relatively high. Further, it is known that wireless communication by UWB has a longer communication distance than wireless communication by NFC, for example. Therefore, even when the user puts the mobile terminal 10 in his / her own pocket or bag, wireless communication by UWB can be realized between the mobile terminal 10 and the store terminal 20.

Each device such as the processor 1001 and the memory 1002 is connected by a bus for communicating information. The bus may be configured by using a single bus, or may be configured by using a different bus for each device.

The mobile terminal 10 includes hardware such as a microprocessor, a digital signal processor (DSP: Digital Signal Processor), an ASIC (Application Specific Integrated Circuit), a PLD (Programmable Logic Device), and an FPGA (Field Programmable Gate Array). The hardware may realize a part or all of each functional block. For example, processor 1001 may be implemented using at least one of these hardware.

FIG. 3 is a diagram showing a hardware configuration of the store terminal 20. The store terminal 20 is an information processing device operated in a store. The store terminal 20 may be, for example, a computer integrally configured with a POS (Point of Sales) cash register or a computer connected to a POS cash register, or a computer called a so-called payment terminal. The hardware configuration of the store terminal 20 may be configured to include one or more of the devices shown in FIG. 3, or may be configured not to include some of the devices. Further, a plurality of devices having different housings may be connected by communication to form the store terminal 20.

The store terminal 20 is physically configured as a computer device including a processor 2001, a memory 2002, a storage 2003, a network communication device 2004, an input device 2005, an output device 2006, a UWB communication device 2007, a bus connecting them, and the like. ing. Each function in the store terminal 20 is performed by the processor 2001 by loading predetermined software (program) on the hardware such as the processor 2001 and the memory 2002, and the communication by the network communication device 2004 or the UWB communication device 2007 is performed. It is realized by controlling or controlling at least one of reading and writing of data in the memory 2002 and the storage 2003. The processor 2001, the memory 2002, the storage 2003, the network communication device 2004, the input device 2005, the output device 2006, the UWB communication device 2007, and the bus connecting them are the processor 1001, the memory 1002, the storage 1003, and the network described for the mobile terminal 10. The hardware is the same as that of the communication device 1004, the input device 1005, the output device 1006, the UWB communication device 1009, and the bus connecting them. However, the network communication device 2004 does not have to be hardware for performing communication according to the communication standard of wireless communication such as the network communication device 1004 of the mobile terminal 10, and the communication network 2 is provided according to the communication standard of arbitrary wired communication. It may be hardware (transmission / reception device) for communicating between computers via the computer.

FIG. 4 is a diagram showing a hardware configuration of the server device 30. The hardware configuration of the server device 30 may be configured to include one or more of the devices shown in FIG. 4, or may be configured not to include some of the devices. Further, a plurality of devices having different housings may be connected by communication to form the server device 30.

The server device 30 is physically configured as a computer device including a processor 3001, a memory 3002, a storage 3003, a network communication device 3004, an input device 3005, an output device 3006, a bus connecting them, and the like. For each function in the server device 30, the processor 3001 performs calculations by loading predetermined software (programs) on hardware such as the processor 3001 and the memory 3002, and controls communication by the network communication device 3004, or a memory. It is realized by controlling at least one of reading and writing of data in the 3002 and the storage 3003. The processor 3001, the memory 3002, the storage 3003, the network communication device 3004, the input device 3005, the output device 3006, and the bus connecting them are the processor 2001, the memory 2002, the storage 2003, the network communication device 2004, which described the store terminal 20. The hardware is the same as that of the input device 2005, the output device 2006, and the bus connecting them.

FIG. 5 is a diagram showing an example of the functional configuration of the payment system 1. In the store terminal 20, the identifier specifying unit 21 specifies the identifier of the mobile terminal 10 that performs UWB communication with the store terminal 20. As described above, since the mobile terminal 10 and the smart card 1008 have a one-to-one correspondence, the identifier stored in the smart card 1008 can be used as the identifier of the mobile terminal 10. Therefore, in the present embodiment, the identifier stored in the smart card 1008 is used as an identifier for identifying the mobile terminal 10 (hereinafter, referred to as a terminal identifier). However, the terminal identifier does not have to be an identifier stored in the smart card 1008, and may be any one that can identify the mobile terminal 10.

In the store terminal 20, the mobile position specifying unit 22 specifies the mobile position, which is the position where the mobile terminal 10 is carried in the user's body. Generally, when a user makes a payment at a POS cash register, for example, he / she carries the product he / she wants to purchase to the POS cash register and waits in front of the POS cash register until the payment is completed. In the present embodiment, for example, a square figure of 50 cm square is drawn on the floor in front of the POS cash register (that is, the store terminal 20), and the user who intends to make an electronic payment decides to stand in the center of the square figure. Has been done. Then, it is assumed that the positions of the square figures and the POS cash register are close to each other so that there is no space for other human beings to stand. The position where such a square figure is drawn is hereinafter referred to as a user standby position, and a user standing in this user standby position is a user who intends to make a payment. In this case, the user who intends to make a payment maintains the determined posture (that is, the standing posture) at the determined user standby position. Therefore, the UWB communication device 2007 of the store terminal 20 and the user's body Is always a fixed positional relationship. For example, in front of the UWB communication device 2007 of the store terminal 20, the user stands toward the UWB communication device 2007 at a position 30 cm away from the UWB communication device 2007.

In such a state, the location of the mobile terminal 10 in the user's body is specified by positioning using UWB communication between the mobile terminal 10 carried by the user and the UWB communication device 2007 of the store terminal 20. To. The positions where the mobile terminal 10 exists in the user's body are, for example, the right chest pocket, the left chest pocket, the pocket in front of the right waist, the pocket behind the right waist, the pocket in front of the left waist, the pocket behind the left waist, and the right hand. It is identified by the degree of holding, holding in the left hand, in the handbag held in the right hand, in the handbag held in the left hand, and in the bag carried on the back. However, the division of the position of the mobile terminal 10 on the user's body is not limited to these examples.

Generally, when the UWB communication device 2007 performs positioning on the mobile terminal 10 using UWB communication, the position of the mobile terminal 10 with reference to the position of the UWB communication device 2007 can be positioned, but the mobile terminal 10 can be positioned. It is difficult to measure the position of the user's body. Therefore, in the present embodiment, by fixing the positional relationship between the UWB communication device 2007 of the store terminal 20 and the user's body, it is possible to specify the position of the mobile terminal 10 on the user's body. There is.

The posture specifying unit 23 specifies the posture of the mobile terminal 10. Specifically, the posture specifying unit 23 is based on the sensing data detected by the sensor 1007 of the mobile terminal 10, for example, whether the display surface of the display of the mobile terminal 10 faces upward in the vertical direction (hereinafter, forward direction). Whether it is facing downward in the vertical direction (hereinafter referred to as the opposite direction), or whether the right side surface when the user looks at the display of the mobile terminal 10 is facing upward in the vertical direction (hereinafter referred to as the direction in the upper right direction). ), The posture of the mobile terminal 10 is specified by the degree of whether the left side surface portion when the user looks at the display of the mobile terminal 10 faces upward in the vertical direction (hereinafter, referred to as the direction in the upper left direction). However, the classification of the posture of the mobile terminal 10 is not limited to these examples.

The behavior specifying unit 24 specifies the behavior of the mobile terminal 10. Specifically, the posture specifying unit 23 analyzes the sensing data detected by the sensor 1007 of the mobile terminal 10 in time series, and identifies the movement of the mobile terminal 10 (that is, the movement of the user). Since each user can move freely in the commercial store, for example, it is considered that some users pass through the above-mentioned user waiting position without the intention of electronic payment. Therefore, in the present embodiment, the behavior is within a predetermined range based on the behavior of the mobile terminal 10 specified by the behavior specifying unit 24 so as not to specify such a user as a user who intends to make a payment. The mobile terminal 10 (that is, the mobile terminal 10 that is almost stationary) is specified.

The permission unit 25 determines whether or not the electronic payment is permitted for the user of the mobile terminal 10. Therefore, the permission unit 25 first measures the distance from the store terminal 20 to the mobile terminal 10 by using the positioning function by UWB. The distance measured here is, more accurately, the distance between the UWB communication device 2007 of the store terminal 20 and the UWB communication device 1009 of the mobile terminal 10. The permission unit 25 exists within a predetermined distance range from the own device (store terminal 20) and the behavior is within a predetermined range based on the measured distance and the behavior of the mobile terminal 10 specified by the behavior identification unit 24. The mobile terminal 10 that fits in is specified. As described above, the positions of the user standby position and the POS cash register are so close to each other that there is no space for a human to stand. Therefore, if the above "predetermined distance" is set to about the distance between the user standby position and the POS cash register (store terminal 20), the permission unit 25 will allow a plurality of users carrying the mobile terminal 10 in the store. Of these, a mobile terminal 10 that is the closest user to the POS cash register (store terminal 20) and does not move much (that is, carries such a mobile terminal 10 and is almost stationary near the store terminal 20). It is possible to identify the user who is considered to be. In this way, the specified mobile terminal 10 is regarded as the mobile terminal 10 of the user who intends to make a payment, and is subject to determination as to whether or not the user permits electronic payment. Appropriate values have been determined experimentally or by simulation for the above-mentioned "predetermined distance range" and "predetermined behavior range" as the threshold values used when specifying such a mobile terminal 10. It is stored in the permission unit 25.

Then, the permission unit 25 determines whether or not the mobile phone position specified by the mobile phone position specifying unit 22 matches the payment conditions associated with the terminal identifier of the mobile terminal 10 specified by the identifier specifying unit 21. , If both match, electronic payment using the terminal identifier is permitted. On the other hand, when the mobile phone position specified by the mobile phone position specifying unit 22 does not match the payment conditions associated with the terminal identifier of the mobile terminal 10 specified by the identifier specifying unit 21, the permission unit 25 is the terminal. Do not allow electronic payments using identifiers.

Here, FIG. 6 is an example of the settlement conditions stored in the settlement condition storage unit 31 of the server device 30. As shown in FIG. Settlement conditions including the mobile position and posture of the mobile terminal 10 are stored in association with the terminal identifier of each mobile terminal 10. For example, the payment conditions that allow the user of the mobile terminal 10 with the terminal identifier "ID001" to make an electronic payment are that the mobile position of the mobile terminal 10 is in the pocket on the right chest and the posture of the mobile terminal 10 is in the forward direction. It is to be oriented. Regarding these payment conditions, for example, the contents specified in advance by the user of each mobile terminal 10 are stored in the payment condition storage unit 31. That is, the payment conditions associated with each mobile terminal 10 can only be known by a legitimate user of the mobile terminal 10. Therefore, a third party who illegally obtains the mobile terminal 10 that the user should originally carry or a third party who illegally logs in to another person's electronic payment service with his / her own mobile terminal 10 can make a payment known to a legitimate user. I don't know the conditions. Therefore, when electronic payment is required at a commercial store or the like, a user who carries the mobile terminal 10 that meets such payment conditions is considered to be a legitimate user of the mobile terminal 10. be able to.

The payment conditions corresponding to one terminal identifier are not limited to one type. In the example of FIG. 6, for example, the payment conditions for which electronic payment is permitted for the user of the mobile terminal 10 having the terminal identifier "ID001" are set so that the mobile position of the mobile terminal 10 is the pocket on the right chest or the left chest. The posture of the mobile terminal may be in the forward direction, or the mobile position of the mobile terminal 10 is on the right as a payment condition that allows the user of the mobile terminal 10 having the terminal identifier "ID001" to make an electronic payment. It may be a chest pocket and the mobile terminal may be oriented in the forward or reverse direction.

Returning to the explanation of FIG. 5, in the store terminal 20, the payment data communication unit 26 performs data communication related to payment by UWB communication with the UWB communication device 1009 of the mobile terminal 10 for which electronic payment is permitted by the permission unit 25. Do. Further, in the server device 30, the payment data communication unit 32 performs data communication related to payment by UWB communication with the payment data communication unit 26 of the store terminal 20.

[motion]
Next, the operation of the payment system 1 will be described with reference to FIG. 7. In the following description, for example, when the store terminal 20 is described as the main body of processing, specifically, by loading predetermined software (program) on hardware such as processor 2001 and memory 2002, the processor It means that the process is executed by the 2001 performing the calculation and controlling the communication by the network communication device 2004 or the UWB communication device 2007 and the reading and / or writing of the data in the memory 2002 and the storage 2003. The same applies to the mobile terminal 10.

In FIG. 7, the UWB communication device 2007 of the store terminal 20 periodically transmits a polling signal in the commercial store where the store terminal 20 is installed. When the user enters the commercial store, the UWB communication device 1009 of the mobile terminal 10 carried by the user receives the polling signal from the UWB communication device 2007 of the store terminal 20. In response to the reception of the polling signal, the mobile terminal 10 starts UWB communication with the store terminal 20 and also starts detecting acceleration and the like by the sensor 1007. The detection by the sensor 1007 is repeated at sufficiently short time intervals. The sensing data detected by the sensor 1007 is transmitted to the store terminal 20 by UWB communication together with the terminal identifier stored in the smart card 1008 (step S11).

In the store terminal 20, the permission unit 25 identifies the mobile terminal 10 to be determined for permission for electronic payment (step S12). In this process, the distance to the mobile terminal 10 in the user's body is measured using the positioning function of the UWB, and the behavior of the mobile terminal 10 is specified based on the sensing data. This positioning is repeatedly performed for each mobile terminal 10 at sufficiently short time intervals. The permission unit 25 is a condition that the measured position of the mobile terminal 10 is included in a range of a predetermined distance from the own device (store terminal 20), and the behavior of the mobile terminal 10 is within a predetermined range. It is determined whether or not (hereinafter referred to as a stationary condition) is satisfied. This rest condition includes a condition (this is called a first rest condition) of whether or not the displacement of the acceleration in a time series when the vehicle is within a predetermined distance from the store terminal 20 is within the threshold value. A condition of whether or not the displacement of the distance between the store terminal 20 and the mobile terminal 10 measured while being within a predetermined distance range from the store terminal 20 is within the threshold value (this is the second rest condition). ) And is included. If the time-series displacement of acceleration is within the threshold value in the first rest condition and the displacement of the distance is within the threshold value in the second condition, the mobile terminal 10 is almost stationary in the user standby position. Conceivable.

For example, if the time-series displacement of acceleration is within the threshold value in the first rest condition, it is considered that the mobile terminal 10 is almost stationary (that is, the user holding the mobile terminal 10 is also almost stationary). May be good. However, even if the user is stopped at the user standby position, the user may shake his / her body or move his / her hand, for example. Therefore, the threshold value used in the first rest condition must be a value having a certain size in consideration of the movement of the user's body. However, when a threshold of such a certain size is used in the first rest condition, for example, a user who is moving with the mobile terminal 10 extremely slowly is mistaken as a user who has an intention of payment. There is a possibility of identifying it. Therefore, in the present embodiment, in addition to the first rest condition focusing on the relative displacement of the mobile terminal 10, the second rest condition paying attention to the absolute displacement of the mobile terminal 10 is used. This reduces the possibility of erroneously recognizing the user who has the intention of making a payment.

Then, when it is determined that all of the first rest condition and the second rest condition including the second rest condition are satisfied, the permission unit 25 transfers the determined mobile position and posture of the mobile terminal 10 to the server device 30. Notify (step S13). In the server device 30, the mobile phone position and posture transmitted from the store terminal 20 are compared with the stored contents of the payment condition storage unit 31 (step S14), and the comparison result is transmitted from the server device 30 to the store terminal 20. (Step S15).

In the store terminal 20, when the specified mobile phone position matches the payment condition associated with the terminal identifier of the mobile terminal 10, the permission unit 25 permits payment using the terminal identifier (step S16). ). Then, the payment data communication unit 26 performs data communication related to payment with the mobile terminal 10 according to a well-known procedure (step S17). The data communication related to the payment includes, for example, authentication of the smart card 1008 and notification of the payment amount. The data acquired by this data communication is transmitted from the store terminal 20 to the server device 30 via the communication network 2. Then, data communication related to payment is performed between the store terminal 20 and the server device 30 according to a well-known procedure (step S18). Then, the server device 30 performs processing related to electronic payment. Specifically, the server device 30 collects the payment amount from the user using the bank account or credit card corresponding to the terminal identifier, so that the payment amount or the like is collected from a financial institution such as a bank or a credit card company. Perform the notification process. In addition, when the server device 30 itself is under the control of a financial institution, when the server device 30 manages the balance prepaid by the user, or when the server device 30 manages the balance prepaid by the user, payment is made with value information called points given to the user by the server device 30. In this case, the server device 30 itself performs processing such as registering the payment amount and the like in association with the above terminal identifier.

According to the embodiment described above, it is determined whether or not electronic payment is permitted based on the mobile position and posture of the mobile terminal 10. Therefore, for example, whether or not electronic payment is possible is determined based only on the posture of the mobile terminal 10. Compared to such a mechanism, the effect of suppressing unauthorized use is higher. In addition, it is possible to accurately identify the user who makes the payment and perform the electronic payment without performing an operation for clearly indicating that the user makes the payment.

[Modification example]
The present invention is not limited to the embodiments described above. The above-described embodiment may be modified as follows. Further, the following two or more modified examples may be combined and carried out.
[Modification 1]
In the above embodiment, it is determined whether or not to allow electronic payment based on the payment conditions related to the mobile position and posture of the mobile terminal 10, but the payment conditions related to the posture of the mobile terminal 10 are not always essential. That is, the permission unit 25 may determine the permission for electronic payment based on the position of the mobile terminal 10 on the user's body.

Since the height differs depending on the user, for example, the height of the user who carries the mobile terminal 10 of the terminal identifier may be included in the payment conditions. In this case, the permission unit 25 recognizes the position of the mobile terminal 10 in the height direction of the user's body by using the height included in the payment conditions as a guide, and the mobile position is, for example, a chest pocket or a waist. You can specify it as a pocket.

[Modification 2]
In the above embodiment, on the premise that the user's body always has a predetermined positional relationship with respect to the UWB communication device 2007 of the store terminal 20, the mobile position specifying unit 22 performs the mobile position of the mobile terminal 10 by positioning by UWB communication. Was specified. When the user's body does not always have a predetermined positional relationship with respect to the UWB communication device 2007 of the store terminal 20, the mobile position specifying unit 22 carries the mobile phone in the user's body based on the change in the position of the mobile terminal 10. The position may be specified. For example, as a payment condition regarding the mobile phone position, the payment condition is that the mobile terminal 10 is moved from the user's waist pocket to the chest pocket from the time before the predetermined period for requesting the electronic payment to the time when the electronic payment is requested. Register. In this case, the mobile position specifying unit 22 calculates the amount of change and the direction of change when the position of the mobile terminal 10 carried by the user is changed by using UWB communication with the mobile terminal 10 to carry the mobile terminal 10. Identify changes in position. Then, the permission unit 25 compares the content of the specified change in the mobile phone position with the payment conditions, and determines whether or not the electronic payment is permitted.

[Modification 3]
The above-mentioned settlement conditions may change according to some rules. For example, the settlement conditions may differ depending on the settlement amount or the type of commercial transaction. For example, the settlement condition when the settlement amount is equal to or more than the threshold value may be stricter than the settlement condition when the settlement amount is less than the threshold value. Specifically, in the example of FIG. 6, the payment condition for which electronic payment is permitted for the user of the mobile terminal 10 with the terminal identifier "ID001" is set, and when the payment amount is equal to or greater than the threshold value, the mobile position of the mobile terminal 10 is set. If it is the pocket of the right chest and the posture of the mobile terminal is in the forward direction and the payment amount is less than the threshold value, the mobile position of the mobile terminal 10 is the pocket of the right chest or the left chest and the mobile terminal. The posture of the mobile phone may be in the forward direction or the reverse direction. This is due to the idea that when the payment amount is high, the confirmation of the legitimacy of the user who intends to make the payment should be stricter.

In addition, the settlement conditions may differ depending on the type of commercial transaction performed in response to the electronic payment, the place or time in which the commercial transaction is performed. As a type of commercial transaction, for example, a commercial transaction of selling a product and a commercial transaction of providing a transportation service can be considered. When a store terminal according to the present invention is installed, for example, at a ticket gate of a railway, and a user carrying a mobile terminal 10 passes through the ticket gate slowly or after pausing at the ticket gate, the above embodiment In the same way, a usage pattern such as permitting electronic payment can be considered. In this case, the passage of the ticket gate through which the user passes corresponds to the user standby position. In the case of the commercial transaction of selling such products and the commercial transaction of providing transportation services, the settlement conditions of the former (sales of products) are set so that the mobile terminal 10 has a mobile position in the right chest pocket and the mobile terminal. The posture of the mobile terminal 10 may be in the forward direction, and the settlement condition of the latter (providing the transportation service) may be such that the mobile position of the mobile terminal 10 is the pocket on the left chest and the posture of the mobile terminal is in the forward direction. The effect of suppressing fraudulent use will be higher if the settlement conditions are different for each type of commercial transaction. Similarly, it is conceivable to change the settlement conditions depending on the place or time when the commercial transaction is conducted.

[Modification example 4]
For example, when multiple users are in a friendship or parent-child relationship, they may move together in close proximity to each other, so that multiple users are all present in the user standby position at almost the same time and are almost stationary. There can be. When the mobile terminal 10 existing in the user standby position and almost stationary cannot be specified as one, that is, the mobile terminal 10 exists within a predetermined distance from the store terminal 20 and the behavior falls within a predetermined range. When there are a plurality of mobile terminals 10 as mobile terminals, the permission unit 25 may determine whether or not to permit electronic payment for each of these mobile terminals 10. Then, when the payment condition is satisfied for any one of these mobile terminals 10, the permission unit 25 permits the mobile terminal 10 to make an electronic payment. Further, when the payment conditions are satisfied for two or more mobile terminals 10 among these mobile terminals 10, the permission unit 25 permits the mobile terminal 10 having the higher priority to make an electronic payment. This priority is set for a plurality of mobile terminals 10 belonging to a pre-registered group, for example, the priority for the mobile terminal 10 carried by the parent is higher than the priority for the mobile terminal 10 carried by the child. It is decided in advance. That is, in the case of this example, the permission unit 25 uses a plurality of mobile terminals 10 carried by parents and children as mobile terminals that exist within a predetermined distance from the store terminal 20 and whose behavior falls within a predetermined range. In the specified case, the electronic payment is permitted to the mobile terminal 10 carried by the parent according to the priority. This priority is stored in the payment condition storage unit 31 in association with the terminal identifier in group units, and the permission unit 25 determines whether or not to allow electronic payment by referring to the stored priority.

Further, the priority may be a privilege given to the user of each mobile terminal 10 after the payment, or a priority determined according to the amount to be settled (referred to as the payment amount). For example, of the two users u1 and u2 who are in a friendship relationship, one user u1 is a member of a commercial store, and therefore some privilege (for example, points that can be used by the user) is given according to the purchase of the product. However, it is assumed that the other user u2 is a user to whom such a privilege is not given. Whether or not the user is the recipient of such a privilege is stored in the payment condition storage unit 31 in association with the terminal identifier, and the priority is higher for the user to whom the privilege is granted, and the privilege is granted. The number of users who are not is low. Therefore, in the case of this example, the permission unit 25 uses a plurality of mobile terminals 10 carried by users u1 and u2 as mobile terminals that exist within a predetermined distance from the store terminal 20 and whose behavior falls within a predetermined range. In the specified case, it is determined whether or not the electronic payment is permitted for the mobile terminal 10 carried by the user u1 according to the priority.

[Modification 5]
In the above-described embodiment, the store terminal 20 includes an identifier identification unit 21, a mobile position identification unit 22, a posture identification unit 23, a behavior identification unit 24, and a permission unit 25, and the server device 30 includes a payment condition storage unit 31. However, each of these functions may be provided by any of the mobile terminal 10, the store terminal 20, or the server device 30. For example, when the mobile terminal 10 has a mobile position specifying unit that specifies a mobile position where the own terminal is carried in the user's body and the specified mobile position match the payment conditions of the own terminal. , It may be provided with a permission unit that permits payment using the identifier of the own terminal. Further, in this case, the mobile terminal 10 has a mobile position specifying unit that specifies the mobile position at which the mobile terminal is carried in the user's body and the specified mobile position as payment conditions of the own terminal. If they match, a program for realizing a permission unit that permits payment using the identifier of the own terminal is stored.

[Modification 6]
The method for performing wireless communication and positioning between the mobile terminal 10 and the store terminal 20 is not limited to the one using UWB.

[Other variants]
The block diagram used in the description of the above embodiment shows a block of functional units. These functional blocks (components) are realized by any combination of at least one of hardware and software. Further, the method of realizing each functional block is not particularly limited. That is, each functional block may be realized by using one device that is physically or logically connected, or directly or indirectly (for example, by two or more devices that are physically or logically separated). , Wired, wireless, etc.) and may be realized using these plurality of devices. The functional block may be realized by combining the software with the one device or the plurality of devices.

Functions include judgment, decision, judgment, calculation, calculation, processing, derivation, investigation, search, confirmation, reception, transmission, output, access, solution, selection, selection, establishment, comparison, assumption, expectation, and assumption. There are broadcasting, notifying, communicating, forwarding, configuring, reconfiguring, allocating, mapping, assigning, etc., but only these. I can't. For example, a functional block (constituent unit) that makes transmission function is called a transmission control unit (transmitting unit) or a transmitter (transmitter). As described above, the method of realizing each of them is not particularly limited.

For example, the store terminal or the like in one embodiment of the present disclosure may function as a computer that processes the present disclosure.

Each aspect / embodiment described in the present disclosure includes LTE (Long Term Evolution), LTE-A (LTE-Advanced), SUPER 3G, IMT-Advanced, 4G (4th generation mobile communication system), and 5G (5th generation mobile communication). system), FRA (Future Radio Access), NR (new Radio), W-CDMA (registered trademark), GSM (registered trademark), CDMA2000, UMB (Ultra Mobile Broadband), IEEE 802.11 (Wi-Fi (registered trademark)) )), IEEE 802.16 (WiMAX®), IEEE 802.20, UWB (Ultra-WideBand), Bluetooth®, and other systems that utilize and extend based on these. It may be applied to at least one of the next generation systems. Further, a plurality of systems may be applied in combination (for example, a combination of at least one of LTE and LTE-A and 5G).

The order of the processing procedures, sequences, flowcharts, and the like of each aspect / embodiment described in the present disclosure may be changed as long as there is no contradiction. For example, the methods described in the present disclosure present elements of various steps using exemplary order, and are not limited to the particular order presented.

The input / output information and the like may be stored in a specific location (for example, a memory), or may be managed using a management table. Input / output information and the like can be overwritten, updated, or added. The output information and the like may be deleted. The input information or the like may be transmitted to another device.

The determination may be made by a value represented by 1 bit (0 or 1), by a boolean value (Boolean: true or false), or by comparing numerical values (for example, a predetermined value). It may be done by comparison with the value).

Although the present disclosure has been described in detail above, it is clear to those skilled in the art that the present disclosure is not limited to the embodiments described in the present disclosure. The present disclosure may be implemented as an amendment or modification without departing from the purpose and scope of the present disclosure, which is determined by the description of the scope of claims. Therefore, the description of this disclosure is for purposes of illustration only and does not have any restrictive meaning to this disclosure.

Software is an instruction, instruction set, code, code segment, program code, program, subprogram, software module, whether called software, firmware, middleware, microcode, hardware description language, or another name. , Applications, software applications, software packages, routines, subroutines, objects, executable files, execution threads, procedures, features, etc. should be broadly interpreted to mean. Further, software, instructions, information and the like may be transmitted and received via a transmission medium. For example, a website, where the software uses at least one of wired technology (coaxial cable, fiber optic cable, twist pair, Digital Subscriber Line (DSL), etc.) and wireless technology (infrared, microwave, etc.). When transmitted from a server, or other remote source, at least one of these wired and wireless technologies is included within the definition of transmission medium.

The information, signals, etc. described in the present disclosure may be represented using any of a variety of different techniques. For example, data, instructions, commands, information, signals, bits, symbols, chips, etc. that may be referred to throughout the above description are voltages, currents, electromagnetic waves, magnetic fields or magnetic particles, light fields or photons, or any of these. It may be represented by a combination of.
The terms described in the present disclosure and the terms necessary for understanding the present disclosure may be replaced with terms having the same or similar meanings.

In addition, the information, parameters, etc. described in the present disclosure may be expressed using absolute values, relative values from predetermined values, or using other corresponding information. It may be represented.

The phrase "based on" as used in this disclosure does not mean "based on" unless otherwise stated. In other words, the statement "based on" means both "based only" and "at least based on".

Any reference to elements using designations such as "first", "second" as used in the present disclosure does not generally limit the quantity or order of those elements. These designations can be used in the present disclosure as a convenient way to distinguish between two or more elements. Thus, references to the first and second elements do not mean that only two elements can be adopted, or that the first element must somehow precede the second element.

The "part" in the configuration of each of the above devices may be replaced with a "means", a "circuit", a "device" and the like.

When "include", "including" and variations thereof are used in the present disclosure, these terms are as comprehensive as the term "comprising". Is intended. Furthermore, the term "or" used in the present disclosure is intended not to be an exclusive OR.

In the present disclosure, if articles are added by translation, for example a, an and the in English, the disclosure may include the nouns that follow these articles in the plural.

In the present disclosure, the term "A and B are different" may mean "A and B are different from each other". The term may mean that "A and B are different from C". Terms such as "separate" and "combined" may be interpreted in the same way as "different".

1: Payment system, 2: Communication network, 10: Mobile terminal, 1001: Processor, 1002: Memory, 1003: Storage, 1004: Network communication device, 1005: Input device, 1006: Output device, 1007: Sensor, 1008: Smart Card, 1009: UWB communication device, 20: store terminal, 21: identifier identification unit, 22: mobile location identification unit, 23: attitude identification unit, 24: behavior identification unit, 25: permission unit, 26: payment data communication unit, 2001: Processor, 2002: Memory, 2003: Storage, 2004: Network communication device, 2005: Input device, 2006: Output device, 2007: UWB communication device, 30: Server device, 31: Payment condition storage unit, 32: Payment data Communication unit, 3001: Processor, 3002: Memory, 3003: Storage, 3004: Network communication device, 3005: Input device, 3006: Output device.

Claims (10)

An identifier identification unit that identifies an identifier of a mobile terminal carried by a user,
A mobile position specifying unit that specifies a mobile position, which is a position where the mobile terminal is carried on the user's body.
Information characterized by including a permission unit that permits payment using the identified mobile terminal when the specified mobile phone position matches the payment conditions associated with the identified identifier of the mobile terminal. Processing equipment. The mobile position specifying unit is characterized in that the mobile position is specified by positioning using wireless communication with the mobile terminal carried by the user who maintains a determined posture at a determined position. The information processing device according to claim 1. The mobile position specifying unit identifies the mobile position by calculating the change amount and the change direction when the position of the mobile terminal carried by the user is changed by using wireless communication with the mobile terminal. The information processing apparatus according to claim 1, wherein the information processing apparatus is to be used. A posture specifying unit for specifying the posture of the mobile terminal is provided.
The permission unit is characterized in that when the specified mobile phone position and the posture match the payment conditions associated with the specified mobile terminal identifier, the permission unit permits payment using the identifier. The information processing apparatus according to any one of claims 1 to 3. The information processing device according to any one of claims 1 to 4, wherein the settlement conditions differ depending on the amount to be settled. The information processing apparatus according to any one of claims 1 to 5, wherein the settlement conditions differ depending on the type, place, or time of a commercial transaction performed in response to the settlement. It is equipped with a behavior specifying unit that specifies the behavior of the mobile terminal.
The permission unit exists within a predetermined distance from the own device and the behavior is within a predetermined range based on the mobile position specified by the mobile position specifying unit and the behavior specified by the behavior specifying unit. The information processing device according to any one of claims 1 to 6, wherein the mobile terminal that fits in the above is subject to the permission. A mobile position identification unit that specifies the mobile position, which is the position where the terminal is carried on the user's body,
A mobile terminal characterized in that, when the specified mobile phone position matches the payment conditions of the own terminal, it is provided with a permission unit that permits payment using the identifier of the own terminal. On the computer
An identifier identification unit that identifies an identifier of a mobile terminal carried by a user,
A mobile position specifying unit that specifies a mobile position, which is a position where the mobile terminal is carried on the user's body.
A program for realizing a permission unit that permits payment using the specified mobile terminal when the specified mobile phone position matches the payment conditions associated with the specified identifier of the mobile terminal. On the computer of the mobile terminal
A mobile position identification unit that specifies the mobile position, which is the position where the terminal is carried on the user's body,
When the specified mobile phone position matches the payment conditions of the own terminal, a permission unit that permits payment using the identifier of the own terminal and
A program to realize.

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