JP2024014079A - Settlement system and settlement method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement system and a settlement method that can improve the reliability of authentication using biological information, while suppressing costs.

SOLUTION: A settlement system 1 includes: a specific user authentication section 16 which refers to user data in order to acquire verifying biological information on a specific user U1 and mobile body position information, when biological information on an object user is detected, by a biological information detection device 91 used at a prescribed facility 90, and which determines that the object user is the specific user U1, if a concordance rate of the biological information detected by the biological information detection device and the verifying biological information is equal to or higher than a prescribed determination value, and if a location of a mobile body 50 is equal to or less than a prescribed distance from the prescribed facility 90; and a payment processing section 17 which conducts settlement processing related to payment by the object user at the prescribed facility 90, when the specific user authentication section 16 determines that the object user is the specific user U1.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to a payment system and a payment method.

In recent years, research and development has been conducted to obtain data regarding the user's biological body and support the user's activities. For example, in a payment system that performs biometric authentication based on a user's face image, a configuration has been proposed in which the time required for payment processing is shortened by receiving the biometric authentication results before product registration is completed (Patent Document (see 1).

International Publication No. 2021/181911

By the way, in technology for supporting human activities, when authentication is performed using biometric information as in the background art, there is a risk that the reliability of the authentication may decrease depending on the detection status of the biometric information. In order to improve the accuracy of detecting biological information, it may be possible to employ high-performance detection equipment, but this has the disadvantage of increasing the cost of the detection equipment. Therefore, it is an object of the present application to improve the reliability of authentication using biometric information while reducing costs.
In order to solve the above problems, the present application aims to provide a payment system and payment method that can improve the reliability of authentication using biometric information while reducing costs.

A first aspect of achieving the above object includes a specific user recognition unit that recognizes that a user on board a moving object is a specific user registered in advance for the moving object; a mobile body position recognition unit that recognizes the position of the mobile body, and the specific user recognition unit recognizes that the specific user is boarding the mobile body; The mobile object location information indicating the position of the mobile object is recorded in association with the specific user's unique user identification information, the specific user's payment information, and the specific user's biometric information for verification. When biometric information of a target user using the predetermined facility is detected by a mobile body location information recording unit that records the user data and a biometric information detection device used in the predetermined facility, the user data is The biometric information for verification and the mobile body position information of the specific user are obtained by referring to the biometric information for verification of the specific user, and the biometric information for the target user detected by the biometric information detection device matches the biometric information for verification. a specific user authentication unit that determines that the target user is the specific user when the rate is equal to or greater than a predetermined determination value and the position of the mobile object is within a predetermined distance from the predetermined facility; When the specific user authentication unit determines that the target user is the specific user, the payment information of the specific user obtained by referring to the user data is used to authenticate the target user. An example of a payment system includes a payment processing unit that performs payment processing regarding payment by a user at the predetermined facility.

The payment system may include a verification biometric information recording unit that records biometric information of the specific user acquired by the mobile body as the verification biometric information in the user data.

In the above payment system, the mobile body position information recording unit records the mobile body position information in the user data before the power of the mobile body is turned off, and the verification biometric information recording unit records the mobile body position information in the user data before the power of the mobile body is turned off. The biometric information of the specific user acquired in the movable body may be recorded in the user data as the verification biometric information before the movable body is powered off.

The payment system may include a payment information recording unit that records payment information of the specific user acquired by the mobile object in the user data.

In the payment system, the payment information recording unit may be configured to record payment information of the specific user acquired in the mobile body in the user data before the power of the mobile body is turned off. good.

In the above-mentioned payment system, the verification biometric information recording unit stores an image selected according to a predetermined selection condition from among images of the specific user taken at a plurality of timings in the moving object for the verification purpose. The specific user authentication unit records an image of the target user taken by a photographing device that is the biometric information detection device and the user data as the biometric information for comparison. It may be configured to determine whether the matching rate with the image of the specific user recorded in is equal to or greater than the predetermined determination value.

In the above payment system, the verification biometric information recording unit selects an image selected according to the selection condition from among the images of the specific user taken at the plurality of timings under different shooting conditions in the mobile object. The biometric information for verification may be recorded in the user data.

In the above payment system, the mobile object is used by a first specific user and a second specific user who are the specific users, and the user data includes a first user corresponding to the first specific user. data and second user data corresponding to the second specific user are stored in a user database and transmitted from a second specific user terminal used by the second specific user. When receiving payment information use application information for applying to use the payment information recorded in user data, the specified user said second specific user terminal transmitting payment information usage inquiry information inquiring whether to permit use of said payment information by said user; When payment information use permission information is received that permits the use of the payment information by the user, the payment information is recorded in the second user data, and the second specific user makes the payment at the predetermined facility. The configuration may include a payment information sharing setting unit that enables the payment processing unit to perform payment processing using the payment information related to the transaction.

A second aspect for achieving the above purpose is a payment method executed by a computer, which recognizes that a user on board a moving object is a specific user registered in advance for the moving object. a state in which it is recognized that the specific user is boarding the moving body through the specific user recognition step, the moving body position recognition step that recognizes the position of the moving body, and the specific user recognition step; The mobile body location information indicating the position of the mobile body recognized in the mobile body position recognition step is combined with the unique user identification information of the specific user, the payment information of the specific user, and the specific user's payment information. A moving body position information recording step of recording the user data in association with the biometric information for verification, and a biometric information detection device used at the predetermined facility, collect the biometric information of the target user who uses the predetermined facility. is detected, the verification biometric information and the mobile body position information of the specific user are obtained by referring to the user data, and the biometric information of the target user detected by the biometric information detection device is acquired. When the match rate between the biometric information and the biometric information for verification is equal to or higher than a predetermined judgment value, and the position of the mobile object is within a predetermined distance from the predetermined facility, the target user is the specific user. and a specific user authentication step in which it is determined that the specific user is the specific user, and the specific usage obtained by referring to the user data when it is determined in the specific user authentication step that the target user is the specific user. An example of a payment method includes a payment processing step of performing payment processing regarding a payment made by the target user at the predetermined facility using the payment information of the person.

According to the payment system, the reliability of authentication using biometric information can be improved while reducing costs.

FIG. 1 is an explanatory diagram of the configuration of a payment system and aspects of payment processing by the payment system. FIG. 2 is an explanatory diagram of the user database. FIG. 3 is a flowchart of payment processing. FIG. 4 is a flowchart of the payment information sharing setting process.

[1. Payment system configuration]
With reference to FIG. 1, the configuration of the payment system 1 of this embodiment and the payment processing executed by the payment system 1 will be described. The payment system 1 executes processing that supports payment processing at a facility by a vehicle user.

FIG. 1 exemplifies a situation in which a user U1 of a vehicle 50 gets off the vehicle 50, visits a store 90, and pays for products purchased or services used at the store 90. The vehicle 50 corresponds to a moving object according to the present disclosure, and the store 90 corresponds to a predetermined facility according to the present disclosure. The user U1 is a specific user who has registered to use the payment system 1, and hereinafter, the user U1 is also referred to as the first specific user U1.

The vehicle 50 includes an ECU (Electronic Control Unit) 51 that has a communication function and controls the operation of the vehicle 50, a GNSS (Global Positioning System) sensor 52 that detects the current position of the vehicle 50, and a touch sensor on the surface of the flat display. The vehicle is equipped with a touch panel 53, an in-vehicle camera 54 for photographing the interior of the vehicle, and a card reader 55. The ECU 51 communicates with the payment system 1 and a vehicle management system 120 that acquires driving information of the vehicle 50 and supports the use of the vehicle 50 via the communication network 100 .

The ECU 51 also includes a first specific user terminal 61 used by a first specific user U1, and a second specific user terminal 61 used by a second specific user U2 who shares the vehicle 50 with the first specific user U1. Communication is performed with the user terminal 62 directly or via the communication network 100. The second specific user U2 is also a specific user who has registered to use the payment system 1.

The ECU 51 uses communication with the mobile key owned by the specific user U1, communication with the virtual key application installed on the first specific user terminal 61, biometric authentication using a face image taken by the in-vehicle camera 54, etc. 1. It is recognized that the specific user U1 has boarded the vehicle 50. Then, when the first specific user U1 is riding in the vehicle 50 and before the power of the vehicle 50 is turned off, the ECU 51 generates mobile body position information MPi indicating the current position of the vehicle 50 detected by the GNSS sensor 52. , the facial image Bi1 (corresponding to biometric information) of the first specific user U1 captured by the in-vehicle camera 54, and payment information STi such as credit card information read by the card reader 55, via the communication network 100. Send to payment system 1. The mobile body position information MPi includes the user ID of the first specific user U1 riding in the vehicle 50.

Regarding the mobile body position information MPi, the ECU 51 transmits the mobile body position information MPi to the vehicle management system 120 via the communication network 100, and the vehicle management system 120 transfers the mobile body position information MPi to the payment system 1 via the communication network 100. The body position information MPi may also be transferred. In addition to credit card information, the payment information STi may also be prepaid card information or payment information of a cashless payment application installed on the first specific user terminal 61. The ECU 51 acquires payment information of the cashless payment application through communication with the first specific user terminal 61.

Alternatively, the position of the vehicle 50 may be detected by a GNSS sensor provided in the first specified person terminal 61, and the face image of the first specified user U1 may be photographed by a built-in camera of the first specified person terminal 61. good. Then, the movement position information MPi and the face image Bi1 may be transmitted from the first specific user terminal 61 to the payment system 1.

The payment system 1 is a computer system including a processor 10, a memory 30, a communication unit 40, and the like. The communication unit 40 communicates with the store terminal 91, the vehicle 50 (more specifically, the vehicle ECU 51), the first specific user terminal 61, the second specific user terminal 62, the card company system 110, and the vehicle via the communication network 100. It communicates with the management system 120 and the like.

A program 31 for controlling the payment system 1 and a user DB (DATABASE) 32 are stored in the memory 30. As shown in FIG. 2, the user DB 32 records user data 32-1, 32-2, 32-3, . . . of each specific user who has registered to use the payment system 1. User data includes a unique user ID (Identification) assigned to a specific user, a unique mobile ID (registration number, vehicle body number, etc.) assigned to a vehicle used by a specific user, and a specific user ID (identification) assigned to a specific user. Biometric information for verification (in this embodiment, a facial image for verification of the specific user) and mobile body position information indicating the current position of the vehicle used by the specific user are recorded.

By reading and executing the program 31 stored in the memory 30, the processor 10 executes a specific user recognition section 11, a mobile object position recognition section 12, a mobile object position information recording section 13, a verification biometric information recording section 14, It functions as a payment information recording section 15, a specific user authentication section 16, a payment processing section 17, and a payment information sharing setting section 18.

The process executed by the specific user recognition unit 11 corresponds to the specific user recognition step in the payment method of the present disclosure, and the process executed by the mobile body position recognition unit 12 corresponds to the mobile body position recognition step in the payment method of the present disclosure. This corresponds to the recognition step. The process executed by the mobile body position information recording unit 13 corresponds to the mobile body position information recording step in the payment method of the present disclosure, and the process executed by the specific user authentication unit 16 corresponds to the process of recording the mobile body position information in the payment method of the present disclosure. Corresponds to the user authentication step. The processing executed by the payment processing unit 17 corresponds to a payment processing step in the payment method of the present disclosure.

The specific user recognition unit 11 receives the mobile body position information MPi transmitted from the vehicle 50 and recognizes the user ID included in the mobile body position information MPi, so that the specific user gets on the vehicle 50. recognize that The mobile body position recognition unit 12 recognizes the current position of the vehicle 50 indicated by the mobile body position information MPi.

The mobile body position information recording unit 13 records mobile body position information indicating the position of the vehicle 50 recognized by the mobile body position recognition unit 12 in the user data of the first specific user U1. The verification biometric information recording unit 14 receives the facial image Bi1 (biometric information of the first specific user U1) of the first specific user U1 transmitted from the vehicle 50, and converts the facial image Bi1 into a verification facial image ( It is recorded in the user data of the specific user U1 as a verification face image).

The payment information recording unit 15 receives the payment information STi of the first specific user U1 transmitted from the vehicle 50, and records it in the user data of the first specific user U1. When the specific user authentication unit 16 receives the facial image Bi2 (biometric information of the target user) of the target user who visited the store 90 transmitted from the store terminal 91, the specific user authentication unit 16 determines that the target user has entered the payment system 1. Determine whether the user is a specific user registered in . Details of this judgment process will be described later.

When the specific user authentication unit 16 determines that the target user who visited the store 90 is a specific user, the payment processing unit 17 uses the authentication information recorded in the user data of the specific user. to process payments made by specific users. The payment processing unit 17 communicates with the card company system 110 and the like via the communication network 100 to execute payment processing.

The payment information sharing setting unit 18 performs processing for setting one payment information so that it can be shared among a plurality of specific users when the mobile object 50 is used by a plurality of specific users. FIG. 1 shows a situation in which a first specific user U1 and a second specific user U2 use a vehicle 50. Details of the processing by the payment information sharing setting unit 18 will be described later.

[2. Payment processing]
A series of payment processing executed by the payment system 1 will be explained according to the flowchart shown in FIG. 3.

In step S1 of FIG. 3, when the communication unit 40 receives the target user's face image Bi2 transmitted from the store terminal 91, the specific user authentication unit 16 advances the process to step S2. The target user is a user who visits the store 90 and pays for products purchased or services used at the store 90.

In step S2, the specific user authentication unit 16 refers to the user DB 32 and obtains the mobile object position information, thereby determining whether the mobile object is located within a predetermined distance (for example, within several hundred meters to several kilometers) from the store 90. Explore the vehicles that are available. In subsequent step S3, when a vehicle located within a predetermined distance from the store 90 is extracted, the specific user authentication unit 16 advances the process to step S4, and selects a vehicle located within a predetermined distance from the store 90. If not extracted, the process advances to step S9.

In step S4, the specific user authentication unit 16 acquires a matching face image recorded in the user data of the specific user associated with the extracted vehicle. In the example of FIG. 1, the specific user authentication unit 16 acquires the matching face image recorded in the user data of the first specific user U1.

In subsequent step S5, the specific user authentication unit 16 calculates the matching rate between the target user's face image and the comparison face image. In the next step S6, the specific user authentication unit 16 determines whether the matching rate between the target user's face image and the matching face image is equal to or higher than the determination value. Then, when the matching rate between the target user's face image and the comparison image is equal to or higher than the determination value, the specific user authentication unit 16 advances the process to step S7, and selects the target user's face image and the comparison image. When the matching rate with the image is less than the determination value, the process advances to step S20.

In step S7, the specific user authentication unit 16 determines that the target user is the first specific user U1. In subsequent step S8, the payment processing unit 17 executes payment processing regarding the payment made by the target user at the store 90 using the payment information recorded in the user data of the first specific user U1. Further, in step S20, the specific user authentication unit 16 determines that the target user is not the first specific user, and advances the process to step S9.

If the determinations of the conditions in step S3 and step S6 are both YES and it is determined that the target user is the first specific user U1, the target user is photographed by the store camera 92 at the store 90. You can complete the payment by simply clicking the button. Therefore, the target user does not need to perform payment procedures using a credit card or cashless application, and can quickly complete payment procedures.

Note that if either the condition in step S3 or the condition in step S6 is determined as NO, the payment process in the settlement system 1 will not be executed, and the target user will not be able to pay by credit card, cashless app, cash, etc. Make payment.

[3. Payment information sharing setting process]
The execution procedure of the payment information sharing setting process executed by the payment information sharing setting unit 18 will be described according to the flowchart shown in FIG. 4. Here, a case will be described in which the payment information used by the first specific user U1 is made available to the second specific user U2 as well.

In step S30 of FIG. 4, when the payment information sharing setting unit 18 receives the payment information usage application information transmitted from the second specific user terminal 62, the process proceeds to step S31. The payment information use application information includes the user ID of the first specified user U1, the second specified user U2, and a message requesting the second specified user U2 to use the payment information of the first specified user U1. included.

In the following step S31, the payment information sharing setting unit 18 transmits payment information usage inquiry information to the first specific user terminal 61. The payment information use inquiry information inquires of the first specific user U1 whether or not to permit the second specific user U2 to use the payment information of the first specific user U1. In the first specified user terminal 61 that has received the payment information use inquiry information, an inquiry screen is displayed on the display unit requesting an input as to whether or not to permit the second specified user U2 to use the payment information. .

Then, when the first specified user U1 inputs permission to use the payment information on the inquiry screen, the first specified user terminal 61 transmits the payment information use permission information to the payment system 1. Send. In step S32, the payment information sharing setting unit 18 determines whether payment information use permission information transmitted from the first specific user terminal 61 has been received.

When the payment information sharing setting unit 18 receives the payment information usage permission information, the process proceeds to step S33, and records the payment information of the first specific user U1 in the user data of the second specific user U2. do. As a result, the user ID of the second specific user U2, the vehicle ID of the vehicle 50, the biometric information for verification of the second specific user U2 (the face image of the second specific user U2), and the first specific user The payment information of U1 is associated with the payment information, and the second specific user U2 can make a payment using the payment information of the first specific user U1.

In subsequent step S34, the payment information sharing setting unit 18 notifies the second specific user terminal 62 that it is now possible to use the payment information of the first specific user U1. The information is transmitted and the process advances to step S34. On the other hand, if the payment information usage permission information is not received in step S32, the payment information sharing setting unit 18 allows the second specific user terminal 62 to use the payment information of the first specific user U1. Payment information unusable information notifying that payment information has not been used is transmitted to the second specific user terminal 62, and the process proceeds to step S35.

[4. Other embodiments]
In the embodiment described above, the payment system of the present disclosure is configured by the payment system 1 that communicates with the vehicle 50 and the store terminal 91 via the communication network 100. As another embodiment, the payment system of the present disclosure may be configured by the store terminal 91. In this case, communication is performed between the store terminal 91 and the vehicle 50, and the store terminal 91 receives the location information of the vehicle 50, the biometric information of the specific user riding in the vehicle 50, and the payment information of the specific user. The configuration is to obtain the .

In the embodiments described above, a vehicle is shown as a moving object according to the present disclosure, but the moving object according to the present disclosure may be any object that allows a user to board, and may be an aircraft, a ship, or the like.

In the above embodiment, while the first specific user U1 is riding in the vehicle 50, facial images of the first specific user U1 are photographed at a plurality of different timings, and facial images of the first specific user U1 are selected from among the photographed facial images. A face image that satisfies a predetermined selection condition may be selected as a comparison face image and recorded in the user data of the first specific user U1. The selection conditions include that the brightness is above a predetermined level, that the blur is below a predetermined level, that the photographed face is almost frontal, and so on. Further, a plurality of photographing timings may be set so that photographing conditions (brightness around or inside the vehicle 50, vibration of the vehicle 50, speed of the vehicle 50, etc.) are different.

In the above embodiment, the face image of the first specific user U1 taken in the vehicle 50 was used as the face image for comparison, but before getting into the vehicle 50, the face image was taken with the built-in camera of the first specific user terminal 61, etc. The facial image of the first specific user U1 may be used as the matching facial image. In this case, it is possible to save the effort of photographing the face image of the first specific user U1 while riding in the vehicle 50. Further, after getting off the vehicle 50, a face image of the first specific user U1 may be photographed and recorded in the user data of the first specific user U1 as a face image for comparison. Regarding the payment information of the first specific user U1, payment can be made from the first specific user terminal 61 before the first specific user U1 gets on the vehicle 50 or after the first specific user U1 gets off the vehicle 50. It may be transmitted to the system 1 and recorded in the user data of the first specific user U1.

In the above embodiment, a facial image is used as the biometric information, but other biometric information such as an iris, a fingerprint, a vein, etc. may be used.

Note that, in order to facilitate understanding of the invention of the present disclosure, FIG. 1 is a schematic diagram showing the functional configuration of the payment system 1 divided by main processing contents. It may be structured by the following classifications. Furthermore, the processing of each component may be executed by one hardware unit or by multiple hardware units. Further, the processing of each component shown in FIGS. 3 to 4 may be executed by one program or by multiple programs.

[5. Configurations supported by the above embodiment]
The above embodiment is a specific example of the following configuration.

(Configuration 1) A specific user recognition unit that recognizes that a user on board a moving object is a specific user registered in advance for the moving object; and a moving object position that recognizes the position of the moving object. Indicates the position of the moving object recognized by the moving object position recognition section in a state where the recognition section and the specific user recognition section recognize that the specific user is on board the moving object. Movement of recording mobile body location information in user data in which unique user identification information of the specific user, payment information of the specific user, and biometric information for verification of the specific user are recorded in association with each other. When biometric information of a target user using the predetermined facility is detected by a body position information recording unit and a biometric information detection device used in a predetermined facility, the specific user is identified by referring to the user data. The biometric information for verification and the mobile body position information are obtained, and a match rate between the biometric information of the target user detected by the biometric information detection device and the biometric information for verification is equal to or higher than a predetermined determination value. and a specific user authentication unit that determines that the target user is the specific user when the location of the mobile object is within a predetermined distance from the specific facility, and the specific user authentication unit, When it is determined that the target user is the specific user, the payment information of the specific user obtained by referring to the user data is used to allow the target user to make a payment at the predetermined facility. A payment system comprising: a payment processing unit that performs payment processing.
According to the payment system of configuration 1, the specific user authentication unit authenticates the specific user using biometric information as well as the distance from the location of the mobile object to the predetermined facility, thereby improving the reliability of authentication using biometric information. can be improved while reducing costs.

(Configuration 2) The payment system according to Configuration 1, further comprising a verification biometric information recording unit that records biometric information of the specific user acquired in the mobile body as the verification biometric information in the user data.
According to the payment system of configuration 2, since the biometric information acquired during movement by the mobile object is used as the biometric information for verification, the user enters the biometric information for verification into the user data in advance before boarding the mobile object. It is possible to make it unnecessary to record the information.

(Configuration 3) The mobile body position information recording unit records the mobile body position information in the user data before the power of the mobile body is turned off, and the verification biometric information recording unit records the mobile body position information in the user data before the power of the mobile body is turned off. The payment system according to configuration 2, wherein the biometric information of the specific user acquired in the mobile body is recorded in the user data as the verification biometric information before the body is powered off.
According to the payment system of configuration 3, before the user turns off the power of the mobile body and leaves the mobile body, the verification biometric information is recorded in the user data. Therefore, when a user makes a payment at a predetermined facility, the user can quickly make the payment using the verification biometric information already recorded in the user data.

(Configuration 4) The payment system according to any one of configurations 1 to 3, including a payment information recording unit that records payment information of the specific user acquired in the mobile object in the user data. .
According to the payment system of configuration 4, since the payment information acquired while moving by the mobile object is recorded in the user data, the user records the payment information in the user data in advance before boarding the mobile object. It can be made unnecessary to do so.

(Configuration 5) According to configuration 4, the payment information recording unit records the payment information of the specific user acquired in the mobile body in the user data before the power of the mobile body is turned off. payment system.
According to the payment system of Configuration 5, payment information is recorded in the user data before the user turns off the power of the mobile object and leaves the mobile object. Therefore, when a user makes a payment at a predetermined facility, there is no need to input payment information, and the payment can be made promptly using the payment information already recorded in the user data.

(Structure 6) The verification biometric information recording unit stores an image selected according to a predetermined selection condition from among the images of the specific user taken at a plurality of timings in the moving body, and records the verification biometric information. The specific user authentication unit records an image of the target user taken by the imaging device that is the biometric information detection device and the biometric information for verification in the user data. The payment system according to configuration 2, wherein the payment system determines whether or not a matching rate with the image of the specified user is equal to or higher than the predetermined determination value.
According to the payment system of configuration 6, the accuracy of authentication is improved by selecting a more appropriate image from among images taken at multiple timings and recording it in user data as biometric information for verification. Can be done.

(Structure 7) The verification biometric information recording unit selects an image selected according to the selection condition from among the images of the specific user taken at the plurality of timings under different shooting conditions in the mobile object. The payment system according to configuration 6, wherein the verification biometric information is recorded in the user data.
According to the payment system of Configuration 7, by performing photography at a plurality of timings with different photography conditions, it is possible to increase the possibility of obtaining a more appropriate image.

(Configuration 8) The mobile object is used by a first specific user and a second specific user who are the specific users, and the user data includes first user data corresponding to the first specific user. and second user data corresponding to the second specific user are stored in a user database and transmitted from a second specific user terminal used by the second specific user. When receiving payment information use application information for applying for the use of the payment information recorded in the user data, the specified user sends a request to the first specified user terminal used by the first specified user. the second specific use, which is transmitted from the first specific user terminal in response to reception of the payment information usage inquiry information, which transmits payment information usage inquiry information inquiring whether or not to permit use of the payment information; When payment information usage permission information is received that permits the use of the payment information by the person, the payment information is recorded in the second user data, and the payment information regarding the payment at the predetermined facility by the second specific user is recorded. The payment system according to any one of configurations 1 to 7, including a payment information sharing setting unit that enables the payment processing unit to perform payment processing using the payment information.
According to the payment system of configuration 8, for example, when a mobile object is used by a plurality of specified users, the payment information of the first specified user is used for the second specified use, subject to permission from the first specified user. can be made available for use by anyone.

(Configuration 9) A payment method executed by a computer, comprising: a specific user recognition step for recognizing that a user on board a moving object is a specific user registered in advance for the moving object; The mobile body position recognition step recognizes the position of the mobile body, and the specific user recognition step recognizes that the specific user is on board the mobile body. Mobile object location information indicating the position of the mobile object recognized by is associated with unique user identification information of the specific user, payment information of the specific user, and biometric information for verification of the specific user. a moving body position information recording step of recording in the recorded user data, and when biometric information of a target user using the predetermined facility is detected by a biometric information detection device used in the predetermined facility; The biometric information for verification and the mobile body position information of the specific user are obtained by referring to user data, and the biometric information of the target user detected by the biometric information detection device and the biometric information for verification are obtained. specific user authentication in which it is determined that the target user is the specific user when the matching rate with the mobile object is equal to or higher than a predetermined determination value, and the position of the moving object is within a predetermined distance from the predetermined facility; and when the target user is determined to be the specific user in the specific user authentication step, using the payment information of the specific user obtained by referring to the user data. , a payment processing step of performing payment processing regarding payment by the target user at the predetermined facility.
By executing the payment method of configuration 9 by a computer, the same effects as the payment system of configuration 1 can be obtained.

DESCRIPTION OF SYMBOLS 1... Payment system, 10... Processor, 11... Specific user recognition section, 12... Mobile object position recognition section, 13... Mobile object position information recording section, 14... Biometric information recording section for verification, 15... Payment information recording section, 16...Specific user authentication unit, 17...Payment processing unit, 18...Payment information sharing setting unit, 30...Memory, 31...Program, 32...User DB, 40...Communication unit, 50...Vehicle (mobile object), 51 ...ECU, 52...GNSS sensor, 53...touch panel, 54...in-vehicle camera, 61...first specific user terminal, 62...second specific user terminal, 90...store (predetermined facility), 91...store terminal, 92... Store camera (biological information detection device), 100... Communication network, 110... Card company system, 120... Vehicle management system, U1... First specific user, U2... Second specific user.

Claims (9)

a specific user recognition unit that recognizes that a user on board a moving object is a specific user registered in advance for the moving object;
a mobile body position recognition unit that recognizes the position of the mobile body;
Mobile body position information indicating the position of the mobile body recognized by the mobile body position recognition unit in a state where the specific user recognition unit recognizes that the specific user is on board the mobile body. a mobile body location information record in which the specific user's unique user identification information, the specific user's payment information, and the specific user's biometric information for verification are recorded in association with each other. Department and
When biometric information of a target user using the predetermined facility is detected by a biometric information detection device used in a predetermined facility, the biometric information for verification of the specific user is determined by referring to the user data. the mobile body position information is acquired, and the match rate between the biometric information of the target user detected by the biometric information detection device and the verification biometric information is equal to or higher than a predetermined determination value, and a specific user authentication unit that determines that the target user is the specific user when the location is within a predetermined distance from the predetermined facility;
When the specific user authentication unit determines that the target user is the specific user, the payment information of the specific user obtained by referring to the user data is used to authenticate the target user. a payment processing unit that performs payment processing regarding payments made by users at the predetermined facility;
A payment system equipped with The payment system according to claim 1, further comprising a verification biometric information recording unit that records biometric information of the specific user acquired in the mobile body as the verification biometric information in the user data. The mobile body position information recording unit records the mobile body position information in the user data before the power of the mobile body is turned off,
The verification biometric information recording unit records biometric information of the specific user acquired in the mobile body as the verification biometric information in the user data before the power of the mobile body is turned off. The payment system according to claim 2. The payment system according to any one of claims 1 to 3, further comprising a payment information recording unit that records payment information of the specific user acquired by the mobile object in the user data. The payment system according to claim 4, wherein the payment information recording unit records the payment information of the specific user acquired in the mobile body in the user data before the power of the mobile body is turned off. . The verification biometric information recording unit records an image selected according to a predetermined selection condition from among images of the specific user taken at a plurality of timings on the moving object as the verification biometric information of the user. Record in data,
The specific user authentication unit includes an image of the target user taken by a photographing device that is the biometric information detection device, and an image of the specific user recorded in the user data as the biometric information for verification. The payment system according to claim 2, wherein it is determined whether the matching rate of is equal to or higher than the predetermined determination value. The verification biometric information recording unit stores an image selected according to the selection condition from among the images of the specific user taken at the plurality of timings under different photographing conditions in the moving body as the verification biometric information. The payment system according to claim 6, wherein the payment system is recorded in the user data as: The mobile object is used by a first specific user and a second specific user who are the specific users,
As the user data, first user data corresponding to the first specific user and second user data corresponding to the second specific user are stored in a user database,
When receiving payment information use application information for applying for use of the payment information recorded in the first user data, which is transmitted from a second specified user terminal used by the second specified user, Sending payment information use inquiry information to the first specified user terminal used by the first specified user, inquiring whether or not to permit the use of the payment information by the specified user; When receiving payment information use permission information that permits the second specified user to use the payment information, which is transmitted from the first specified user terminal in response to reception of usage inquiry information, further comprising a payment information sharing setting unit that is recorded in the second user data and enables the payment processing unit to perform payment processing using the payment information regarding the payment by the second specific user at the predetermined facility. The payment system according to any one of claims 1 to 3. A computer-implemented payment method,
a specific user recognition step of recognizing that a user on board the moving object is a specific user registered in advance for the moving object;
a moving object position recognition step of recognizing the position of the moving object;
Mobile body position information indicating the position of the mobile body recognized by the mobile body position recognition step in a state where it is recognized by the specific user recognition step that the specific user is on board the mobile body. a mobile body location information record in which the specific user's unique user identification information, the specific user's payment information, and the specific user's biometric information for verification are recorded in association with each other. step and
When biometric information of a target user using the predetermined facility is detected by a biometric information detection device used in a predetermined facility, the biometric information for verification of the specific user is determined by referring to the user data. the mobile body position information is acquired, and the match rate between the biometric information of the target user detected by the biometric information detection device and the verification biometric information is equal to or higher than a predetermined determination value, and a specific user authentication step of determining that the target user is the specific user when the location is within a predetermined distance from the predetermined facility;
When it is determined that the target user is the specific user in the specific user authentication step, the payment information of the specific user obtained by referring to the user data is used to authenticate the target user. a payment processing step for performing payment processing regarding the payment made by the user at the predetermined facility;
Payment methods including.

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