JP2024043912A - System, method, program, and storage apparatus - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system, a method, a program, and a storage apparatus for realizing product purchase transactions using portable storage apparatuses and user terminals.

SOLUTION: In a system 10, a payment server comprises: an acquisition unit for acquiring identification information of a portable storage apparatus 30 and transaction information indicating a product purchase transaction conducted between a user 80 who owns the storage apparatus 30 and a store 68; and a processing unit for performing processing for payment of the product purchase transaction indicated by the transaction information if a user terminal 40 associated with the storage apparatus 30 in advance receives the identification information transmitted from the storage apparatus 30 after the product purchase transaction between the user 80 and the store 68.

SELECTED DRAWING: Figure 1

COPYRIGHT: (C)2024,JPO&INPIT

Description

The present invention relates to a system, a method, a program, and a storage device.

Patent Document 1 describes a product input box into which a product with an RF tag on which product identification information and price information of the product are recorded is placed, and an RFID antenna that reads the RF tag of the product placed in the product input box. , a payment terminal that processes the payment for the product with the read RF tag attached, and when the payment process is completed, information indicating that the payment has been completed for the RF tag of the product placed in the product input box. An RFID merchandise sales system is disclosed that includes a reader/writer that writes .
[Prior art documents]
[Patent document]
[Patent Document 1] Japanese Patent Application Publication No. 2020-057349

In a first aspect of the invention, a system is provided. The above system includes an acquisition unit that acquires identification information of a portable storage device and transaction information indicating a product purchase transaction conducted between a user who owns the storage device and a store. In the above system, after a product purchase transaction is performed between the user and the store, a user terminal associated with the storage device in advance receives the identification information transmitted from the storage device. In this case, the transaction information includes a processing unit that performs processing for settling the product purchase transaction indicated by the transaction information.

In the above system, the acquisition unit may receive the transaction information from a store server that manages product purchase transactions at the store in response to the product purchase transaction being carried out. The processing unit may have a first processing unit that processes a payment to the store based on the product purchase transaction indicated by the transaction information in response to the acquisition unit receiving the transaction information from the store server, and a second processing unit that makes a payment from the user's account based on the product purchase transaction indicated by the transaction information when a user terminal previously associated with the storage device receives the identification information transmitted from the storage device after the product purchase transaction between the user and the store is carried out.

In any of the above systems, the acquisition unit may receive the transaction information from a store server installed in the store. The system may further include a storage unit that stores the transaction information received by the acquisition unit from the store server. When a user terminal previously associated with the storage device receives the identification information transmitted from the storage device after a product purchase transaction between the user and the store has been made, the processing unit may make a payment from the user's account based on the product purchase transaction indicated by the transaction information, and when at least a portion of the payment from the user's account for the product purchase transaction made between the user and the store has not been made by a predetermined deadline, make the at least a portion of the payment.

In any of the above systems, the processing unit may be configured to handle a case where a predetermined period of time has elapsed without the payment processing being performed after a product purchase transaction between the user and the store has been performed. , product purchase transactions using the storage device may be restricted.

In any of the above systems, the processing unit may (i) receive the transaction information from a store server installed in the store, (ii) store the transaction information received from the store server, (iii) inquire of a payment server that makes a payment to the store for a product purchase transaction made between the user and the store as to whether the payment to the store has been made, and when response information is received from the payment server that the payment to the store has been made, make a payment from the user to the payment institution that made the payment to the store, and when response information is received from the payment server that the payment to the store has not been made, make a payment to the store.

In a second aspect of the invention, a method is provided. The method includes obtaining identification information for a portable storage device and transaction information indicative of a product purchase transaction between a user in possession of the storage device and a store. The method includes a method in which, after a product purchase transaction between the user and the store, a user terminal associated with the storage device in advance receives the identification information transmitted from the storage device. , comprising the step of performing processing for settlement of the product purchase transaction indicated by the transaction information.

In a third aspect of the present invention, a program is provided. The program causes the computer to function as any of the above systems.

In a fourth aspect of the invention, a portable storage device is provided. The above-mentioned storage device transmits transaction information indicating at least the amount of the product purchase transaction from a store server provided at the store through short-range wireless communication when a user who owns the storage device performs a product purchase transaction at a store. It includes a receiving section that receives the data. The storage device described above includes a storage unit that stores the transaction information received by the reception unit and terminal identification information that identifies a user terminal that is authorized as a destination of the transaction information. The storage device described above includes a processing unit that determines whether or not it is permitted to transmit the transaction information to a user terminal proximate to the storage device, based on the terminal identification information. The storage device transmits the transaction information and identification information of the storage device to the user terminal when it is determined by the processing unit that transmission of the transaction information to the user terminal is permitted. It includes a transmitter.

Note that the above summary of the invention does not list all of the necessary features of the present invention. Also, subcombinations of these features may also be inventions.

1 shows a schematic configuration of a payment system 10 according to an embodiment. 6 is a diagram for explaining a scene in which a user 80 performs payment processing for a purchase transaction of a product 64 at a store 68 through the user terminal 40. FIG. 2 shows a schematic diagram of the functional configuration of the storage device 30. 2 shows a schematic diagram of a functional configuration of a user terminal 40. The functional configuration of the payment server 50 is schematically shown. 4 shows the procedure for executing the initial processing of the storage device 30 and the user terminal 40. The procedure for executing a process for purchasing a product 64 at a store 68 using the provisional payment method is shown below. The procedure for executing a process relating to payment at the user's home 82 using the provisional payment method will be described. The execution procedure of the process related to the purchase of the product 64 at the store 68 using the payment guarantee method is shown. The execution procedure of processing related to payment at the user's home 82 using the payment guarantee method is shown. An example of the system configuration of a computer 3000 is shown in schematic form.

Hereinafter, the present invention will be described through embodiments of the invention, but the following embodiments do not limit the invention according to the claims. Furthermore, not all combinations of features described in the embodiments are essential to the solution of the invention. In addition, in the drawings, the same or similar parts may be given the same reference numerals and redundant explanations may be omitted.

Figure 1 shows a schematic configuration of a payment system 10 in one embodiment. The payment system 10 includes a payment server 50, a store server 60, an exit gate device 62, a storage device 30, and a user terminal 40.

The payment server 50, the store server 60, and the user terminal 40 can send and receive information to and from each other via a communication network 90. The communication network 90 may include at least one of a wireless packet communication network, the Internet, a P2P network, a dedicated line, a VPN, and a power line communication line. The communication network 90 may include (i) a mobile communication network such as a mobile phone line network, and (ii) a wireless MAN (e.g., WiMAX (registered trademark)) and a wireless LAN (e.g., WiFi (registered trademark)).

The user terminal 40 is a terminal associated with the user 80. The user terminal 40 is, for example, a smartphone. The user terminal 40 has a function of performing short-range wireless communication in addition to communication through the communication network 90. In this embodiment, the communication method for near field communication is NFC (Near Field Communication). Other examples of short-range wireless communication include communication methods such as Bluetooth (registered trademark) and Zigbee (registered trademark). User terminal 40 may be a terminal other than a smartphone. User terminal 40 may be a computing device with communication capabilities. User terminal 40 may be a mobile terminal such as a mobile phone, PDA, tablet computer, notebook computer, laptop computer, wearable computer, etc., or may be a desktop computer.

The storage device 30 is a portable storage device that can be carried by the user 80. The storage device 30 can be carried by the user 80. The storage device 30 has a function of performing short-range wireless communication. The storage device 30 may be, for example, a device that can be called a so-called RF tag device. The storage device 30 may be an active tag, a semi-passive tag, or a semi-active tag. It is assumed that the user terminal 40 and the storage device 30 have been paired in advance.

The store server 60 and the exit gate device 62 are installed in the store 68. The store server 60 is connected to the exit gate device 62 and can input and output information between the store server 60 and the exit gate device 62. The exit gate device 62 is installed near the exit of the store 68. The exit gate device 62 has a function of performing short-range wireless communication.

A user 80 wears the storage device 30 and goes shopping at a store 68. An RF tag device 66 is attached to the product 64. The RF tag device 66 stores identification information of the product 64. The RF tag device 66 has a function of performing short-range wireless communication. The RF tag device may be an active tag, a passive tag, a semi-passive tag, or a semi-active tag.

A user 80 places a product 64 that he or she wishes to purchase in a basket 63, and passes through an exit gate device 62 of a store 68 while wearing a storage device 30. At this time, the exit gate device 62 receives the identification information of the product 64 transmitted from an RF tag device 66 by short-range wireless communication, and also receives the identification information of the storage device 30 transmitted from the storage device 30 by short-range wireless communication.

The exit gate device 62 outputs information including the identification information of the product 64 received from the RF tag device 66 and the identification information of the storage device 30 received from the storage device 30 to the store server 60. The store server 60 generates transaction information including a transaction amount based on the product price of the product 64 and stores it together with the identification information of the storage device 30. The store server 60 outputs the transaction information to the exit gate device 62, causes the exit gate device 62 to transmit the transaction information to the storage device 30, and stores the transaction information in the storage device 30. This completes the purchase transaction of the product 64 between the user 80 and the store 68.

When the user 80 leaves the store 68, he or she returns home to the user's 80 home, the user's 80 home 82, with the product 64 still in his or her possession and the storage device 30.

In the first payment method, the payment institution operating the payment server 50 may make a payment to the store 68 for the transaction amount based on the transaction information at the time the purchase transaction is completed. This payment method will be referred to as the "provisional payment method." In this method, the user 80 pays the transaction amount based on the transaction information to the payment institution after returning home to the user's home 82.

In the second payment method, the payment institution that operates the payment server 50 may only guarantee the transaction amount without paying the transaction amount to the store 68 based on the transaction information when the purchase transaction is completed. . This payment method will be referred to as a "payment guarantee method." In this method, after the user 80 returns to the user's home 82, the user 80 directly pays the transaction amount based on the transaction information to the store 68.

Figure 2 is a diagram illustrating a scene in which a user 80 performs a payment process for a purchase transaction of a product 64 at a store 68 through a user terminal 40. When the user 80 returns to the user's home 82, the user 80 uses the user terminal 40 to pay for the transaction.

When the storage device 30 approaches the user terminal 40, the user terminal 40 reads transaction information and identification information of the storage device 30 from the storage device 30 by short-range wireless communication. Communication between the user terminal 40 and the storage device 30 may be performed by contactless communication.

When making a payment using the first payment method, the user terminal 40 reads the transaction information from the storage device 30, then transmits the transaction information and the identification information of the storage device 30 to the payment server 50, and completes the procedure for paying the transaction amount based on the transaction information. The payment is made using a method permitted by the payment institution operated by the payment server 50. Examples of payment methods include credit card payment, debit from a bank account, electronic money payment, and point payment.

When making a payment using the second payment method, the user terminal 40 reads the transaction information and the identification information of the storage device 30 from the storage device 30, and transmits to the store server 60 information necessary for the store server 60 to make the payment, and transmits payment notification information including the transaction information and the identification information of the storage device 30 to the payment server 50. If at least a portion of the payment to the store server 60 is not made through the user terminal 40, the payment server 50 pays the portion of the amount not paid (the difference between the transaction amount and the payment amount) to the store 68.

According to this embodiment, the user 80 can complete the purchase of the product 64 simply by carrying the storage device 30 and passing through the exit gate device 62 of the store 68. Therefore, the user 80 can complete the purchase without having to display the payment barcode of the product 64 on the user terminal 40 and have it read by a barcode reader, or to read a barcode posted in the store 68 with the user terminal 40 and input the payment amount. Furthermore, since the payment procedure is performed after the user terminal 40 and the storage device 30 are brought close to each other, payment can be made only when the storage device 30 and the user terminal 40 are close to each other. This makes it possible to prevent unauthorized use of the storage device 30 by a third party.

FIG. 3 schematically shows the functional configuration of the storage device 30. The storage device 30 includes a processing section 300, an antenna section 310, a fingerprint acquisition section 320, a storage section 380, and a power supply section 390.

Antenna section 310 receives a wireless signal and generates an electrical signal based on the received wireless signal. The electrical signal generated by the antenna section 310 is output to the processing section 300. Antenna section 310 transmits a wireless signal based on the electrical signal output from processing section 300. The antenna unit 310 is used for transmitting and receiving wireless signals to and from the user terminal 40 by short-range wireless communication.

The power supply unit 390 outputs the power required for the operation of the storage device 30 to each part of the storage device 30. The power supply unit 390 outputs the power generated in response to the antenna unit 310 receiving a wireless signal to each part of the storage device 30. Specifically, the power supply unit 390 includes a storage battery, and outputs the power stored in the storage battery to each part of the storage device 30. When the antenna unit 310 is receiving a wireless signal, the power supply unit 390 may store the power generated in response to the antenna unit 310 receiving a wireless signal in the storage battery and output the power to each part of the storage device 30.

The processing unit 300 may include a processor and a volatile storage medium necessary for the operation of the processor. Storage unit 380 includes at least a nonvolatile storage medium.

When a user 80 who has a storage device 30 performs a product purchase transaction at a store 68, the antenna section 310 transmits transaction information indicating at least the amount of the product purchase transaction from a store server 60 provided at the store 68 via short-range wireless communication. Receive via communication. The antenna section 310 functions as a receiving section that receives transaction information from the store server 60. The storage unit 380 stores the transaction information received by the antenna unit 310 and terminal identification information that identifies the user terminal 40 that is permitted as the destination of the transaction information.

Based on the terminal identification information stored in the storage unit 380, the processing unit 300 determines whether transmission of transaction information to the user terminal 40 in the vicinity of the storage device 30 is permitted. The antenna unit 310 transmits the transaction information and the identification information of the storage device 30 to the user terminal 40 when the processing unit 300 determines that transmitting the transaction information to the user terminal 40 is permitted. The antenna section 310 functions as a transmitting section that transmits transaction information and identification information of the storage device 30 to the user terminal 40.

The storage unit 380 further stores fingerprint information of registered users who can use the storage device 30. The fingerprint acquisition unit 320 acquires fingerprint information of the user 80. The fingerprint acquisition unit 320 may include a fingerprint sensor that acquires a fingerprint as image information.

The processing unit 300 enables the storage device 30 to be used for a predetermined period when the fingerprint information of the user 80 acquired by the fingerprint acquisition unit 320 matches the fingerprint information stored in the storage unit 380.

The processing unit 300 outputs an electrical signal indicating the identification information and transaction information stored in the memory unit 380 to the antenna unit 310. As a result, the antenna unit 310 outputs a wireless signal indicating the identification information and transaction information.

FIG. 4 schematically shows the functional configuration of the user terminal 40. The user terminal 40 includes a processing section 400, an antenna section 410, a fingerprint acquisition section 420, an acquisition section 430, and a storage section 480.

The processing unit 400 may include a processor and a volatile storage medium necessary for the operation of the processor. Storage unit 480 includes at least a nonvolatile storage medium.

Antenna section 410 receives a wireless signal and generates an electrical signal based on the received wireless signal. The electrical signal generated by antenna section 410 is output to processing section 400. Antenna section 410 transmits a wireless signal based on the electrical signal output from processing section 400. The antenna unit 410 is used for transmitting and receiving wireless signals to and from the antenna unit 310 of the storage device 30 by short-range wireless communication.

The fingerprint acquisition unit 420 acquires fingerprint information of the user 80. The fingerprint acquisition unit 420 may include a fingerprint sensor that acquires the fingerprint as image information.

The acquisition unit 430 acquires the identification information of the storage device 30 and transaction information indicating a product purchase transaction conducted between the user 80 who possesses the storage device 30 and the store 68. For example, the acquisition unit 430 acquires information indicated by an electrical signal generated based on a wireless signal from the storage device 30 received by the antenna unit 410. Specifically, the acquisition unit 430 acquires the identification information and transaction information of the storage device 30 based on the wireless signal transmitted from the antenna unit 310.

When the user terminal 40 receives the identification information transmitted from the storage device 30 after the product purchase transaction between the user 80 and the store 68 is performed, the processing unit 400 processes the product purchase transaction indicated by the transaction information. Processing for payment. For example, when the identification information stored in advance in the storage unit 480 and the identification information acquired by the acquisition unit 430 match, the processing unit 400 performs processing for settling the product purchase transaction. For example, the processing unit 400 performs processing for payment of a product purchase transaction by communicating with the store server 60 and/or the payment server 50.

As will be described later, the payment server 50 (i) receives transaction information from the store server 60, (ii) stores the transaction information received from the store server 60, and (iii) performs transactions between the user 80 and the store 68. It has a function of making payment from the payment institution to the store 68 for the product purchase transaction. The processing unit 400 may inquire of the payment server 50 whether or not the payment to the store 68 has been made. When the processing unit 400 receives response information indicating that the payment to the store 68 has been made from the payment server 50, the processing unit 400 makes the payment from the user 80 to the payment institution that made the payment to the store 68. When the processing unit 400 receives response information indicating that the payment to the store 68 has not been made from the payment server 50, the processing unit 400 makes the payment to the store 68.

FIG. 5 schematically shows the functional configuration of the payment server 50. The payment server 50 includes a processing section 500, an acquisition section 530, and a storage section 580. The processing section 500 includes a first processing section 501 and a second processing section 502.

The processing unit 500 may include a processor and a volatile storage medium necessary for the operation of the processor. Storage unit 580 includes at least a nonvolatile storage medium.

The acquisition unit 530 receives transaction information from the store server 60 that manages the product purchase transaction at the store 68 in response to the product purchase transaction being performed. Acquisition unit 530 receives transaction information from store server 60 via communication network 90 .

In response to receiving transaction information from the store server 60, the first processing unit 501 processes a payment to the store 68 based on the product purchase transaction indicated by the transaction information. After a product purchase transaction between the user 80 and the store 68 has been made, when the user terminal 40 previously associated with the storage device 30 receives identification information transmitted from the storage device 30, the second processing unit 502 makes a payment from the account of the user 80 based on the product purchase transaction indicated by the transaction information.

The acquisition unit 530 receives transaction information from the store server 60 provided in the store 68. The storage unit 580 stores transaction information that the acquisition unit 530 receives from the store server 60.

The processing unit 500 receives the identification information sent from the storage device 30 by the user terminal 40 associated with the storage device 30 in advance after the product purchase transaction between the user 80 and the store 68 is performed. In this case, payment is made from the user's account based on the product purchase transaction indicated by the transaction information. Furthermore, if at least a part of the payment from the user 80's account is not made by a predetermined deadline for the product purchase transaction performed between the user 80 and the store 68, the processing unit 500 make at least a partial payment.

The processing unit 500 executes a product purchase transaction using the storage device 30 when a predetermined period of time has elapsed without payment processing being performed after the product purchase transaction between the user 80 and the store 68 was performed. Restrict trading. For example, the storage unit 580 stores the identification information of the storage device 30 when a predetermined period of time has elapsed without processing for payment. When the identification information transmitted from the store server 60 when a product purchase transaction is performed matches the identification information stored in the storage unit 580, the processing unit 500 instructs the store server 60 to prohibit the product purchase transaction. An error notification is sent to the store server 60.

The "system" in this invention may be at least one of (i) a user terminal 40, (ii) a combination of a user terminal 40 and a payment server 50, or (iii) a combination of a storage device 30 and a user terminal 40. The "acquisition unit" in this invention may be at least one of (i) the acquisition unit 430 of the user terminal 40, or (ii) a combination of the acquisition unit 430 of the user terminal 40 and an acquisition unit 530 of the payment server 50. The "processing unit" in this invention may be at least one of (i) the processing unit 400 of the user terminal 40, or (ii) a combination of the processing unit 400 of the user terminal 40 and a processing unit 500 of the payment server 50.

Figure 6 shows the execution procedure of the initial processing of the storage device 30 and the user terminal 40. The initial processing includes, for example, a process of associating the storage device 30 with the user terminal 40, and a process of registering a user 80 who can use the storage device 30 in the storage device 30.

In S610, the user terminal 40 and the storage device 30 exchange identification information with each other by short-range wireless communication. For example, the user terminals 40 and 40 may exchange identification information in response to the user terminal 40 receiving a user instruction to store each other's identification information.

In S620, the storage unit 380 of the storage device 30 stores the identification information of the user terminal 40 received from the user terminal 40. In S622, the storage unit 480 of the user terminal 40 stores the identification information of the storage device 30 received from the storage device 30.

Through the processing from S610 to S622, pairing between the storage device 30 and the user terminal 40 is completed. Thereby, the storage device 30 and the user terminal 40 are associated with each other. Specifically, the user terminal 40 is registered in the storage device 30 as a user terminal permitted as a destination of transaction information stored in the storage device 30, and the user terminal 40 is permitted as a source of transaction information. The storage device 30 is registered in the user terminal 40 as the storage device.

In S630, the fingerprint acquisition unit 420 of the user terminal 40 acquires fingerprint information of the user 80. The user 80 is an example of a user who is permitted to use the storage device 30. In S640, the user terminal 40 transmits the fingerprint information to the storage device 30 by short-range wireless communication. In S650, the storage unit 380 of the storage device 30 stores the fingerprint information received from the user terminal 40. Through S630 to S650, the user 80 who can use the storage device 30 is registered in the storage device 30.

FIG. 7 shows an execution procedure of processing related to the purchase of the product 64 at the store 68 using the provisional payment method.

In S710, the fingerprint acquisition unit 320 of the storage device 30 acquires fingerprint information of the user 80.

In S720, the processing unit 300 of the storage device 30 performs fingerprint authentication of the fingerprint acquired in S710, and enables purchase processing using the storage device 30 for a certain period of time in response to authentication of the fingerprint. For example, the processing unit 300 performs fingerprint authentication of the user 80 by collating the fingerprint information stored in the storage unit 380 with the fingerprint information acquired in S710. Specifically, if the fingerprint information acquired in S710 matches the fingerprint information stored in the storage unit 380, the processing unit 300 authenticates the user 80 as the user of the storage device 30. On the other hand, if the fingerprint information acquired in S710 does not match the fingerprint information stored in the storage unit 380, the processing unit 300 does not authenticate the user 80 as the user of the storage device 30, and does not enable purchase processing using the storage device 30. In FIG. 7, it is assumed that purchase processing using the storage device 30 is enabled.

When the user 80 places the product 64 in the basket 63 and passes through the exit gate device 62, the store server 60 receives the identification information of the product 64 transmitted from the RF tag device 66 through the exit gate device 62. In S732, the processing unit 300 of the storage device 30 transmits the identification information of the storage device 30 through the antenna unit 310 by short-range wireless communication. The identification information of the storage device 30 is received by the exit gate device 62 and output from the exit gate device 62 to the store server 60.

In S740, store server 60 generates transaction information. The transaction information includes the transaction amount, which is the purchase amount of the product 64, the store ID, the slip number, and the transaction date and time. The store ID is an example of information that identifies the store 68. The slip number is an example of information that identifies the purchase transaction of the product 64 between the store 68 and the user 80 . The transaction date and time indicates the date and time when the purchase transaction for the product 64 was performed between the user 80 and the store 68.

In S750, store server 60 transmits a provisional payment request to payment server 50. The temporary payment request includes at least identification information of the storage device 30 and transaction information.

In S760, the payment server 50 performs a first payment process. The first payment process includes a process in which the payment server 50 stores the provisional payment request in the memory unit 580, and a process in which the payment institution that operates the payment server 50 performs a payment procedure for the transaction amount to the store server 60 based on the provisional payment request.

When the provisional payment in S750 and S760 is successfully completed, the store server 60 outputs the transaction information to the exit gate device 62, and causes the transaction information to be transmitted from the exit gate device 62 to the storage device 30 by short-range wireless communication. In S780, the storage unit 380 of the storage device 30 stores the transaction information received from the exit gate device 62 via near field communication.

Figure 8 shows the execution procedure for processing a payment at the user's home 82 using the provisional payment method.

In S810, the storage device 30 and the user terminal 40 exchange each other's identification information by short-range wireless communication. In S820, the processing unit 300 of the storage device 30 authenticates the user terminal 40. Specifically, when the identification information of the user terminal 40 received from the user terminal 40 is stored in the storage unit 380, the processing unit 300 authenticates the user terminal 40 as the destination of the transaction information. In S822, the processing unit 400 of the user terminal 40 authenticates the storage device 30. Specifically, when the identification information of the storage device 30 received from the storage device 30 is stored in the storage unit 480, the processing unit 400 authenticates the storage device 30 as the receiver of the transaction information. In FIG. 8, it is assumed that the storage device 30 and the user terminal 40 are mutually authenticated.

In S830, the processing unit 300 of the storage device 30 transmits the transaction information stored in the storage unit 380 to the user terminal 40 by short-range wireless communication.

In S840, the processing unit 400 of the user terminal 40 selects a payment method. For example, the processing unit 400 causes a display unit provided in the user terminal 40 to display a selection of multiple payment methods. In S840, the selections presented to the user 80 by the processing unit 400 may include at least one of the payment methods registered in the user terminal 40: credit card, bank account, electronic money, and points.

The processing unit 400 selects a payment means based on a payment means selection instruction received from the user 80. The payment means selected by the user 80 may be one payment means or multiple payment means. When receiving an instruction to select multiple payment means from the user 80, the selection instruction may include information indicating the payment amount by each of the multiple payment means.

At S850, the processing unit 400 of the user terminal 40 transmits a payment instruction to the payment server 50. The payment instruction includes identification information of the storage device 30 and transaction information.

In S860, the processing unit 500 of the payment server 50 performs a second payment process. The second payment process is a payment process based on transaction information from the user 80 to the payment institution. A payment institution is selected based on the payment instrument selected at S840.

In S890, when the payment instruction in S850 ends normally, the processing unit 400 of the user terminal 40 transmits a payment completion notification related to the transaction information received in S830 to the storage device 30 by short-range wireless communication. Upon receiving the payment completion notification, the processing unit 300 of the storage device 30 invalidates the transaction information stored in the storage unit 380 in S892.

FIG. 9 shows an execution procedure of processing related to purchasing the product 64 at the store 68 using the payment guarantee method. The processing from S910 to S940 in FIG. 9 is the same as the processing from S710 to S740 in FIG. 7, so a description thereof will be omitted.

In S950, store server 60 transmits a transaction notification to payment server 50. The transaction notification includes at least identification information of the storage device 30 and transaction information.

At S960, the processing unit 500 of the payment server 50 stores the identification information of the storage device 30, the transaction information, and the payment due date received from the store server 60 in the memory unit 580. The payment due date may be set, for example, by the processing unit 500. The payment due date may be set by the store server 60 and may be included in the transaction notification and transmitted from the store server 60 to the payment server 50.

When the transaction notification processing in S950 and S960 ends normally, the store server 60 transmits the transaction information to the storage device 30 in S970. In S980, the storage unit 380 of the storage device 30 stores the received transaction information. The processing in S970 and S980 is the same as the processing in S770 and S780 in FIG.

Figure 10 shows the execution procedure for processing related to payment at the user's home 82 using the payment guarantee method. The processing from S1010 to S1040 in Figure 10 is the same as the processing from S810 to S840 in Figure 8, so the explanation is omitted.

In S1050, the processing unit 400 of the user terminal 40 sends a payment instruction to the store server 60. The payment instruction may include at least the store ID and slip number included in the transaction information, and information indicating the payment method selected in S1040.

In S1060, store server 60 processes payment from user 80 to store 68. The store server 60 may request payment from a payment institution corresponding to the payment method, based on information indicating the payment method included in the payment instruction received from the user terminal 40.

When the payment instructions of S1050 and S1060 are completed normally, in S1070, the processing unit 400 of the user terminal 40 sends a payment notification to the payment server 50 indicating that the payment has been completed. The payment notification may include identification information of the storage device 30 and transaction information. In S1080, the payment server 50 stores the completed payment based on the payment notification.

In S1090, when the processing of S1070 ends normally, the processing unit 400 of the user terminal 40 sends a settlement completion notification related to the transaction information received in S1030 to the storage device 30. In S1092, the processing unit 300 of the storage device 30 invalidates the transaction information stored in the storage unit 380. The processing of S1090 and S1092 is the same as the processing of S8090 and S8092.

10 illustrates a case where the user 80 instructs payment through the user terminal 40 by the payment due date stored in S960 of FIG. 9. On the other hand, if the user 80 does not instruct payment through the user terminal 40 by the payment due date, the processing unit 500 of the payment server 50 performs processing to pay the outstanding amount from the user 80 in response to not receiving a payment notification from the user terminal 40 by the payment due date. For example, the processing unit 500 performs processing to pay the transaction amount from the settlement institution operating the payment server 50 to the store 68 based on the transaction information stored in the storage unit 580. When payment to the store 68 is completed, the processing unit 500 transmits the identification information and transaction information of the storage device 30 to the store server 60. The processing unit 500 may perform processing to pay the outstanding amount for each transaction indicated by the transaction information, or may perform processing to pay the outstanding amounts related to multiple transaction information collectively by a predetermined due date.

The processing unit 500 of the payment server 50 may transmit the information stored in the storage unit 580 in S960 of FIG. 9 to the user terminal 40 as a payment instruction. When receiving a payment instruction from the payment server 50, the processing unit 400 of the user terminal 40 may display a notification based on the received payment instruction.

The user 80 can select which method to pay, the provisional payment method described in relation to FIGS. 7 and 8, etc., and the payment guarantee method described in relation to FIG. 9, FIG. 10, etc. good. For example, information indicating which method to pay is stored in the storage unit 380 of the storage device 30, and when the user 80 passes through the exit gate device 62, the information is sent from the storage device 30 to the store server 60 via the exit gate device 62. May be sent.

In one embodiment, the processing unit 400 of the user terminal 40 checks the payment status from the payment institution to the store 68, and determines whether the user 80 pays the payment to the payment institution or to the store 68, depending on the payment status. It's fine. For example, when the processing unit 400 receives the identification information and transaction information from the storage device 30, it may transmit inquiry information to the payment server 50 to inquire about the payment status from the payment institution to the store 68. The inquiry information may include identification information and transaction information received from the storage device 30.

The processing unit 500 selects a payment institution based on the transaction information and identification information included in the inquiry information, the transaction notification received from the store server 60 at the time of the product purchase transaction, and the history of payment processing to the store 68. It is determined whether the payment process to the store 68 has already been performed. If the payment processing from the payment institution to the store 68 has already been performed, the processing unit 500 sends a completion notification to the user as response information to the inquiry information, indicating that the payment processing from the payment institution to the store 68 has been completed. If the payment processing from the payment institution to the store 68 is not completed, an incomplete notification indicating that the payment processing from the payment institution to the store 68 is not completed is sent to the terminal 40 as response information to the inquiry information. It is transmitted to the user terminal 40.

When the processing unit 400 of the user terminal 40 receives the completion notification from the payment server 50, it transmits a payment instruction to the payment server 50 to perform payment processing from the user's 80 account to the payment institution. The payment instruction may include identification information of the storage device 30 and transaction information. On the other hand, when the processing unit 400 receives an incomplete notification from the payment server 50, it transmits a payment instruction for making a payment from the user 80 to the store 68 to the store server 60. The payment instruction may include at least the store ID and slip number included in the transaction information, and information indicating the payment method. Thereby, the processing unit 400 determines whether to make a payment to the payment institution or to the store 68, depending on whether the payment processing from the payment institution to the store 68 has already been performed. Can be done.

According to the payment system 10 described above, the user 80 can complete shopping for the product 64 simply by wearing the storage device 30 and passing through the exit gate device 62 of the store 68 . Therefore, the user 80 can complete the shopping without much effort. Furthermore, according to the payment system 10, the payment procedure is completed after the user terminal 40 and the storage device 30 are brought close to each other, so it is possible to reduce the risk of the storage device 30 being used illegally by a third party. .

In addition, storage device 30 can be used as a credit instrument for payment for purchased items. Furthermore, it is also applicable to a configuration in which the storage device 30 is used as a means of purchasing products in the event of a disaster, and the user terminal 40 is used to perform actual payment after recovery from the disaster. In addition, payment institutions can be used as a means of understanding trends in consumption and usage of payment methods. In addition, in this embodiment, the user terminal 40 can be used to make the final payment from the user 80 after purchasing the product. It is also possible to deal with transactions where the final payment amount may change, such as , or bidding. Furthermore, since the final payment amount can be changed on the condition that the product is returned, it is possible to easily deal with the case where a product other than the desired product is purchased.

In one embodiment, user 80 may be a different user than the owner of user terminal 40. By registering the fingerprint of a user who can use the user terminal 40 in the storage device 30, it is possible to delegate shopping to a user who is different from the owner of the user terminal 40. In this embodiment, the processing unit 300 may store the identification information of the user who activated the purchase process using the storage device 30 in S720 or S920 in the storage unit 380 together with the transaction information. This allows the owner of the user terminal 40 to know the user who performed the purchase process using the storage device 30.

An example of the payment system 10 has been described above. Next, we will explain modified examples that can be applied to the payment system 10.

In a modified example, when the processing unit 400 of the user terminal 40 detects an adjacent storage device 30, it automatically starts exchanging identification information with the storage device 30, and also automatically performs payment by the user 80. It's okay. In another modification, the processing unit 400 of the user terminal 40 may compile transaction information every predetermined period (for example, three days, one week, etc.) and perform payment by the user 80. In yet another modification, the processing unit 400 of the user terminal 40 compiles the transaction information and processes the payment by the user 80 every time the total transaction amount exceeds a predetermined amount (for example, 30,000 yen, etc.). You can go.

In one variation, the user 80 can specify in advance the products that can be purchased. For example, when the user 80 specifies identification information (for example, JAN code) of a purchasable product on the user terminal 40, the processing unit 400 of the user terminal 40 transmits the identification information of the purchasable product to a storage device via short-range wireless communication. 30 to be memorized. When the user 80 passes through the exit gate device 62, the store server 60 transmits the identification information of the product 64 to the storage device 30 through the exit gate device 62 by short-range wireless communication. If the identification information of the product 64 received from the store server 60 includes identification information other than the identification information of the purchasable product stored in the storage unit 380, the processing unit 300 of the storage device 30 processes the product 64 from the store server 60. You may send a message stating that you do not wish to purchase the item. As another method, if the identification information of the product 64 received from the store server 60 includes identification information other than the identification information of the purchasable product, the processing unit 300 may not transmit the identification information of the storage device 30. Accordingly, the user 80 may be prevented from purchasing products other than the purchasable products.

In a variant in which the products available for purchase can be specified in advance, payment may be made in advance through the user terminal 40. In this variant, the memory unit 380 of the storage device 30 stores information indicating that payment has been completed, and the processing unit 300 of the storage device 30 may transmit identification information of the storage device 30 to the exit gate device 62 on the condition that payment has been completed. This variant is suitable for a form in which a shopping agent picks up pre-specified products to be purchased at the store 68.

In a modification example in which purchasable products can be specified in advance, the user 80 may be able to specify in advance the store 68 where the product can be purchased. In this modification, the identification information of the store 68 where the item can be purchased may be stored in the storage unit 380 of the storage device 30. In this modification, the identification information of the purchasable products may be transmitted in advance to the store server 60 through the user terminal 40, and the purchasable products may be kept in stock at the store 68 for a predetermined period of time.

In one modified example, a form may be adopted in which a non-human agent performs shopping instead of the user 80. Examples of the shopping agent include a moving object such as a robot, a drone, or an autonomous vehicle, or an animal such as a pre-trained dog. In this modified example, the shopping agent carries the storage device 30. In this modified example, the owner of the user terminal 40 may enable the purchase process using the storage device 30. In this modified example, the period during which the purchase process using the storage device 30 is enabled may be a predetermined period required for a non-human agent to perform shopping. In this modified example, the storage device 30 includes a sensor that detects vibration and/or temperature, and the processing unit 300 may detect whether the agent is a moving object, an animal, or a human based on information detected by the sensor. In this modified example, the owner of the user terminal 40 may register the product to be purchased in advance in the store server 60 through the user terminal 40. Identification information (e.g., JAN code) of the product to be purchased may be stored in the storage unit 380 of the storage device 30. At the store 68, the purchase process can be completed by placing a pre-registered product in the basket 63 and passing it through the exit gate device 62 together with the storage device 30, and the product can be handed over to the agent.

In one modified example, the storage device 30 may be used to set an upper limit on the amount of money that can be purchased. The upper limit may be set by the user terminal 40, transmitted from the user terminal 40 to the storage device 30 by short-range wireless communication, and stored in the storage unit 380 of the storage device 30. In this modified example, when the user 80 passes through the exit gate device 62, the processing unit 300 of the storage device 30 may transmit to the store server 60 a message indicating that the purchase will not be made if the transaction amount included in the transaction information received from the store server 60 exceeds the upper limit stored in the storage unit 380. As another method, if the transaction amount exceeds the upper limit stored in the storage unit 380, the processing unit 300 may prevent the user 80 from purchasing products that exceed the upper limit by not transmitting the identification information of the storage device 30. According to this modified example, it is possible to prevent the user 80 from purchasing products that exceed the upper limit of the shopping amount. Therefore, this modified example is suitable for cases where the child, robot, or animal of the owner of the user terminal 40 is made to shop on his/her behalf. Since the shopping agent can also purchase other products within the set upper limit, for example, if the agent is a child, the agent can purchase the child's favorite product within the upper limit, and the child can dispose of any remaining amount within the upper limit as desired. In a variation in which the upper limit of the purchase amount can be set, a tolerance range by which the purchase amount can exceed the upper limit is stored in the memory unit 380 of the storage device 30 so that a substitute product can be purchased in the event that the desired product is not in stock at the store 68, and the product can be purchased on the condition that the purchase amount does not exceed the sum of the upper limit and the tolerance range.

In a modified example, the storage device 30 stores the storage device 30 until the purchase price of the product using the storage device 30 reaches the maximum amount, on the condition that the maximum amount has been paid in advance. It may be possible to purchase the products used. The storage unit 380 of the storage device 30 may store information indicating that payment is being made. According to this modification, the storage device 30 can be used in a pre-charged state. Therefore, the storage device 30 can be used as a gift to others.

In one modified example, the storage device 30 may be provided with a sensor for detecting vibrations and/or temperature, and may invalidate the purchase process using the storage device 30 if the information detected by the sensor does not conform to a predetermined condition. For example, the processing unit 300 of the storage device 30 may invalidate the purchase process using the storage device 30 if the period during which the vibration intensity detected by the sensor is equal to or lower than a predetermined vibration threshold continues for a predetermined time or more. The processing unit 300 may invalidate the purchase process using the storage device 30 if the period during which the temperature detected by the sensor is equal to or lower than a predetermined threshold continues for a predetermined time or more. The temperature threshold may be determined based on a person's standard body temperature. According to this modified example, it is possible to reduce the possibility that the storage device 30 will be misused by a third party if the user 80 drops the storage device 30, for example.

In one modification, the storage device 30 may be provided with a position sensor that detects the position information of the storage device 30, and may invalidate the purchase process using the storage device 30 when the position information detected by the position sensor does not conform to a predetermined condition. For example, the processing unit 300 of the storage device 30 may invalidate the purchase process using the storage device 30 when the position information detected by the position sensor is outside a predetermined area. Also, the processing unit 300 of the storage device 30 may invalidate the purchase process using the storage device 30 when the period during which the amount of change in the position information detected by the position sensor is equal to or less than a predetermined threshold continues for a predetermined time or more. According to this modification, it is possible to reduce the possibility that the storage device 30 will be used illegally by a third party when the user 80 drops the storage device 30, etc. In addition, the processing unit 300 of the storage device 30 may transmit warning information including the position information of the storage device 30 when the period during which the amount of change in the position information detected by the position sensor is equal to or less than a predetermined threshold continues for a predetermined time or more. For example, the storage device 30 may transmit location information to the user terminal 40 through a terminal of another person (e.g., a smartphone) located near the storage device 30. The storage device 30 may connect to the communication network 90 itself and transmit location information to the user terminal 40. The location sensor may be a sensor that receives GPS information. The location sensor may detect the location information of the storage device 30 based on location information acquired from a terminal of another person (e.g., a smartphone) located near the storage device 30.

In a variation, the storage device 30 may invalidate the purchase process using the storage device 30 when a predetermined number of purchases using the storage device 30 has been made within a predetermined period. In this case, the processing unit 300 of the storage device 30 may notify the user terminal 40 by connecting itself to the communication network 90 or through another person's terminal (for example, a smartphone) located nearby. According to this modification, damage caused by unauthorized use of the storage device 30 by a third party can be reduced.

In a modified example, the storage device 30 stores the fingerprint information acquired by the fingerprint acquisition unit 320 in the storage unit 380 when the fingerprint cannot be authenticated in the fingerprint authentication, and also enables purchase processing using the storage device 30. It's fine. In this case, when passing through the exit gate device 62 or before a predetermined time has elapsed after passing through the exit gate device 62, warning information may be transmitted to the outside, such as the store server 60. According to this modification, by storing the user's fingerprint in the storage unit 380 of the storage device 30 and transmitting warning information to the outside, it is possible to prevent a third party from illegally using the storage device 30. It will be held in check.

In one variant, when a bank account, electronic money balance, or points is specified as the payment method at the time of payment by the user 80, if the balance of the specified payment method is lower than the purchase amount, the shortfall may be made up by also using a predetermined credit payment (e.g., credit card payment). Alternatively, the shortfall may be made up by a predetermined means such as a loan.

In a modified example, a configuration may be adopted in which a plurality of user terminals are set as user terminals to be paired with the storage device 30. In this modification, payment from the user may be permitted on condition that a plurality of user terminals paired with the storage device 30 have received transaction information from the storage device 30. In this modification, the processing unit 300 of the storage device 30 may transmit transaction information when the storage device 30 is present near multiple user terminals at the same time. According to this modification, payment from a user is permitted on the condition that a plurality of user terminals have received transaction information from the storage device 30, thereby reducing the possibility of unauthorized use by a third party. be able to. Furthermore, since transaction information can be shared between multiple user terminals, it becomes easier to share transaction information with family members.

As a modified example, a configuration may be adopted in which transaction information is not stored in the storage device 30. In this modification, the store server 60 and the storage unit 580 of the payment server 50 may store the identification information of the storage device 30 in association with transaction information. In this modification, the user terminal 40 may transmit the identification information read from the storage device 30 to the payment server 50 or store server 60 when making the final payment from the user. In this modification, the store server 60 and the payment server 50 store transaction information in association with the identification information of the storage device 30, so that transaction information is stored in correspondence with the identification information of the storage device 30 received from the user terminal 40. Based on the transaction information, the store server 60 or the payment server 50 can process the payment from the user.

Figure 11 shows an example of a computer 3000 in which multiple aspects of the present invention may be embodied in whole or in part. For example, a part of the storage device 30 is realized by the computer 3000. For example, at least a part of the processing unit 300 is realized by the computer 3000. For example, a part of the user terminal 40 is realized by the computer 3000. For example, at least a part of the processing unit 400, the fingerprint acquisition unit 420, and the acquisition unit 430 are realized by the computer 3000. For example, a part of the payment server 50 is realized by the computer 3000. For example, at least a part of the processing unit 500 and the acquisition unit 530 are realized by the computer 3000.

A program installed on the computer 3000 may cause the computer 3000 to function as or perform operations associated with an apparatus according to an embodiment of the present invention or one or more "parts" of the apparatus, and/or to perform a process or steps of the process according to an embodiment of the present invention. Such a program may be executed by the CPU 3012 to cause the computer 3000 to perform certain operations associated with some or all of the blocks of the flowcharts and block diagrams described herein.

A computer 3000 according to this embodiment includes a CPU 3012, a RAM 3014, a GPU 3016, and a display device 3018, which are interconnected by a host controller 3010. The computer 3000 also includes input/output units such as a communication interface 3022, a hard disk drive 3024, a DVD-ROM drive 3026, and an IC card drive, which are connected to the host controller 3010 via an input/output controller 3020. The computer also includes legacy input/output units, such as ROM 3030 and keyboard 3042, which are connected to input/output controller 3020 via input/output chip 3040.

The CPU 3012 operates according to programs stored in the ROM 3030 and RAM 3014, thereby controlling each unit. GPU 3016 obtains the image data generated by CPU 3012, such as in a frame buffer provided in RAM 3014 or within itself, and causes the image data to be displayed on display device 3018.

The communication interface 3022 communicates with other electronic devices via a network. The hard disk drive 3024 stores programs and data used by the CPU 3012 in the computer 3000. The DVD-ROM drive 3026 reads programs or data from the DVD-ROM 3001 and provides the programs or data to the hard disk drive 3024 via the RAM 3014. The IC card drive reads programs and data from an IC card and/or writes programs and data to an IC card.

The ROM 3030 stores therein a boot program or the like that is executed by the computer 3000 upon activation, and/or a program that depends on the hardware of the computer 3000. The input/output chip 3040 may also connect various input/output units to the input/output controller 3020 via a parallel port, a serial port, a keyboard port, a mouse port, etc.

The programs are provided by a computer-readable storage medium such as a DVD-ROM 3001 or an IC card. The programs are read from the computer-readable storage medium, installed in the hard disk drive 3024, RAM 3014, or ROM 3030, which are also examples of computer-readable storage media, and executed by the CPU 3012. The information processing described in these programs is read by the computer 3000, and brings about cooperation between the programs and the various types of hardware resources described above. An apparatus or method may be constructed by realizing the operation or processing of information according to the use of the computer 3000.

For example, when communication is performed between computer 3000 and an external device, CPU 3012 may execute a communication program loaded into RAM 3014 and instruct communication interface 3022 to perform communication processing based on the processing described in the communication program. Under the control of CPU 3012, communication interface 3022 reads transmission data stored in a transmission buffer area provided in RAM 3014, hard disk drive 3024, DVD-ROM 3001, or a recording medium such as an IC card, and transmits the read transmission data to the network, or writes received data received from the network to a reception buffer area or the like provided on the recording medium.

Further, the CPU 3012 causes the RAM 3014 to read all or a necessary part of the files or databases stored in external recording media such as the hard disk drive 3024, DVD-ROM drive 3026 (DVD-ROM 3001), and IC card. Various types of processing may be performed on data on RAM 3014. CPU 3012 may then write the processed data back to an external storage medium.

Various types of information, such as various types of programs, data, tables, and databases, may be stored on the recording medium and may undergo information processing. The CPU 3012 may execute various types of processing on the data read from the RAM 3014, including various types of operations, information processing, conditional judgment, conditional branching, unconditional branching, information search/replacement, etc., as described throughout this disclosure and specified by the instruction sequence of the program, and write back the results to the RAM 3014. The CPU 3012 may also search for information in a file, database, etc. in the recording medium. For example, when a plurality of entries each having an attribute value of a first attribute associated with an attribute value of a second attribute are stored in the recording medium, the CPU 3012 may search for an entry whose attribute value of the first attribute matches a specified condition from among the plurality of entries, read the attribute value of the second attribute stored in the entry, and thereby obtain the attribute value of the second attribute associated with the first attribute that satisfies a predetermined condition.

The above-described program or software module may be stored in a computer-readable storage medium on the computer 3000 or in the vicinity of the computer 3000. In addition, a recording medium such as a hard disk or RAM provided in a server system connected to a dedicated communication network or the Internet can be used as a computer-readable storage medium, thereby providing the above-described program to the computer 3000 via the network.

The blocks in the flowcharts and block diagrams in the embodiments described above may represent a stage in a process in which an operation is performed or a "part" of a device responsible for performing the operation. Certain steps and units may be provided with dedicated circuitry, programmable circuitry provided with computer readable instructions stored on a computer readable storage medium, and/or provided with computer readable instructions stored on a computer readable storage medium. May be implemented by a processor. Dedicated circuitry may include digital and/or analog hardware circuits, and may include integrated circuits (ICs) and/or discrete circuits. Programmable circuits can perform AND, OR, EXCLUSIVE OR, NAND, NOR, and other logical operations, such as field programmable gate arrays (FPGAs), programmable logic arrays (PLAs), etc. , flip-flops, registers, and memory elements.

A computer-readable storage medium may include any tangible device capable of storing instructions that are executed by a suitable device, such that a computer-readable storage medium having instructions stored thereon comprises an article of manufacture that includes instructions that can be executed to create means for performing the operations specified in the flowchart or block diagram. Examples of computer-readable storage media may include electronic storage media, magnetic storage media, optical storage media, electromagnetic storage media, semiconductor storage media, and the like. More specific examples of computer-readable storage media may include floppy disks, diskettes, hard disks, random access memories (RAMs), read-only memories (ROMs), erasable programmable read-only memories (EPROMs or flash memories), electrically erasable programmable read-only memories (EEPROMs), static random access memories (SRAMs), compact disk read-only memories (CD-ROMs), digital versatile disks (DVDs), Blu-ray disks, memory sticks, integrated circuit cards, and the like.

Computer-readable instructions may include assembler instructions, instruction set architecture (ISA) instructions, machine instructions, machine-dependent instructions, microcode, firmware instructions, state configuration data, or instructions such as Smalltalk®, JAVA®, C++, etc. any source code or object code written in any combination of one or more programming languages, including object-oriented programming languages such as may include.

The computer-readable instructions are for producing means for a processor of a general purpose computer, special purpose computer, or other programmable data processing device, or programmable circuit to perform the operations specified in the flowchart or block diagrams. A general purpose computer, special purpose computer, or other programmable data processor, locally or over a local area network (LAN), wide area network (WAN), such as the Internet, to execute the computer readable instructions. It may be provided in a processor or programmable circuit of the device. Examples of processors include computer processors, processing units, microprocessors, digital signal processors, controllers, microcontrollers, and the like.

Although the present invention has been described above using the embodiments, the technical scope of the present invention is not limited to the range described in the above embodiments. It will be apparent to those skilled in the art that various changes or improvements can be made to the embodiments described above. Moreover, matters described with respect to a particular embodiment can be applied to other embodiments within a technically consistent range. It is clear from the claims that such modifications or improvements may be included within the technical scope of the present invention.

The order of execution of each process, such as operations, procedures, steps, and stages, in the devices, systems, programs, and methods shown in the claims, specifications, and drawings is not specifically stated as "before" or "prior to," and it should be noted that the processes may be performed in any order, unless the output of a previous process is used in a later process. Even if the operational flow in the claims, specifications, and drawings is explained using "first," "next," etc. for convenience, it does not mean that it is necessary to perform the processes in this order.

10 Payment system 30 Storage device 40 User terminal 50 Payment server 60 Store server 62 Exit gate device 63 Cart 64 Product 66 RF tag device 68 Store 80 User 82 User home 90 Communication network 300 Processing section 310 Antenna section 320 Fingerprint acquisition section 380 Storage section 390 Power feeding unit 400 Processing unit 410 Antenna unit 420 Fingerprint acquisition unit 430 Acquisition unit 480 Storage unit 500 Processing unit 501 First processing unit 502 Second processing unit 530 Acquisition unit 580 Storage unit 3000 Computer 3001 DVD-ROM
3010 Host controller 3012 CPU
3014 RAM
3016 GPU
3018 Display device 3020 Input/output controller 3022 Communication interface 3024 Hard disk drive 3026 DVD-ROM drive 3030 ROM
3040 Input/output chip 3042 Keyboard

Claims (8)

an acquisition unit that acquires identification information of a portable storage device and transaction information indicating a product purchase transaction conducted between a user who owns the storage device and a store;
After a product purchase transaction between the user and the store is performed, if a user terminal previously associated with the storage device receives the identification information transmitted from the storage device, the transaction a processing unit that performs processing for payment of the product purchase transaction indicated by the information;
A system equipped with The acquisition unit receives the transaction information from a store server that manages product purchase transactions at the store in response to the product purchase transaction being performed,
The processing unit includes:
a first processing unit that, in response to the acquisition unit receiving the transaction information from the store server, processes a payment to the store based on the product purchase transaction indicated by the transaction information;
a second processing unit that, when a user terminal that is pre-associated with the storage device receives the identification information transmitted from the storage device after a product purchase transaction between the user and the store has been made, makes a payment from the user's account based on the product purchase transaction indicated by the transaction information;
The system of claim 1 , further comprising: The acquisition unit receives the transaction information from a store server installed in the store,
The system comprises:
a storage unit configured to store the transaction information received by the acquisition unit from the store server,
The processing unit includes:
after a product purchase transaction between the user and the store has been made, when a user terminal previously associated with the storage device receives the identification information transmitted from the storage device, a payment is made from the user's account based on the product purchase transaction indicated by the transaction information;
making at least a portion of a payment from the user's account when the payment has not been made by a predetermined deadline for a product purchase transaction made between the user and the store;
The system of claim 1 . The system described in any one of claims 1 to 3, wherein the processing unit restricts a product purchase transaction using the storage device if a predetermined period of time has elapsed after a product purchase transaction between the user and the store without the payment processing being performed. The processing unit includes:
(i) receiving the transaction information from a store server provided at the store; (ii) storing the transaction information received from the store server; and (iii) receiving the transaction information between the user and the store. Make an inquiry to a payment server that makes payment to the store for the product purchase transaction as to whether or not the payment to the store has been made;
When response information indicating that the payment to the store has been made is received from the payment server, the user makes a payment to the payment institution that made the payment to the store;
making a payment to the store when response information indicating that the payment to the store has not been made is received from the payment server;
The system according to claim 1. acquiring identification information of a portable storage device and transaction information indicating a product purchase transaction conducted between a user possessing the storage device and a store;
After a product purchase transaction between the user and the store is performed, if a user terminal previously associated with the storage device receives the identification information transmitted from the storage device, the transaction performing processing for payment of the product purchase transaction indicated by the information;
How to prepare. A program for causing a computer to function as the system described in any one of claims 1 to 3. A portable storage device,
a receiving unit that receives transaction information indicating at least an amount of a product purchase transaction from a store server installed in the store via short-range wireless communication when a user having the storage device makes a product purchase transaction at the store;
a storage unit that stores the transaction information received by the receiving unit and terminal identification information that identifies a user terminal authorized as a destination of the transaction information;
a processing unit that determines whether or not the transaction information is permitted to be transmitted to a user terminal that is close to the storage device based on the terminal identification information;
a transmission unit that transmits the transaction information and identification information of the storage device to the user terminal when the processing unit determines that the transmission of the transaction information to the user terminal is permitted;
A storage device comprising:

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