JP5352730B1 - Information processing system, information processing method, merchandise seller terminal, sales support method, trading support server, trading support method, merchandise purchaser terminal, purchase support method, and computer program - Google Patents

Abstract

[PROBLEMS] To support both convenience and safety of settlement.
When a check-in operation is performed on a store of a seller, the purchaser terminal 10 notifies the purchaser of newly generated first verification information. When the check-in operation is performed, the trading support server 14 records the second collation information that can identify the first collation information in association with the purchaser, and also displays the photograph of the purchaser in the store terminal 12. To provide. When the purchaser purchases a product at the store, the store terminal 12 causes the seller to select the photograph of the purchaser's face and obtains the first verification information from the purchaser. Then, the purchase support server 14 is notified of a settlement request designating the purchaser whose face photograph is selected and the first verification information. The trading support server 14 permits electronic payment of the product price when the first matching information specified in the payment request matches the second matching information associated with the purchaser specified in the payment request. .
[Selection] Figure 1

Description

  The present invention relates to data processing technology, and more particularly to payment technology.

  The rapid spread of smartphones and tablet terminals has a major impact in the payment field. In recent years, solutions that apply smartphones and tablet terminals to credit card payment terminals have also appeared.

  In addition, a credit card settlement service using the user's “face (photo)” and “name” has also appeared using the same terminal. In this service, when an operation of designating an actual store is performed on the user's terminal, the user's information is notified to the store side, and the user's face photo and name are displayed on the store terminal. After that, when the user actually visits the store and purchases a product, the payment is completed by confirming the user's “face” and “name”.

SoftBank Corp., PayPal, “SoftBank and Paypal Establish Joint Venture-Global Mobile Payment Solution“ PayPal Here ”Announced Payment by Credit Card, Debit Card, and PayPal for Small and Medium Businesses”, [online], [Search October 23, 2012], Internet <URL: http://www.softbank.co.jp/en/news/press/2012/20120509_01/>

  However, in the above-described method, the salesperson of the store performs identity verification by comparing the appearance of the user and the name declared by the user with the photo and name notified to the store. Therefore, the present inventor has recognized that there is a possibility that fraudulent payments may be made due to fraudulent acts on the part of the user such as impersonation, or misrecognition of the user visually by the store clerk, operation mistakes, fraudulent acts, etc. .

  The present invention has been made in view of the above problems, and a main object thereof is to provide a technique for supporting both convenience and safety of settlement.

  In order to solve the above problems, an information processing system according to an aspect of the present invention includes a product purchaser's terminal, a product seller's terminal, a purchaser's terminal, and a seller's terminal via a communication network. And a server to be connected. The purchaser terminal receives a predetermined check-in operation indicating a visit to the store of the seller from the purchaser, and the first verification information newly generated when the check-in operation is performed. A verification information notification unit for notifying the purchaser. The server includes a verification information recording unit that records second verification information that can identify the first verification information in association with the purchaser when a check-in operation is performed at the purchaser's terminal, and the purchaser's terminal And a purchaser image providing unit that provides a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal when a check-in operation is performed. The seller's terminal includes a selection screen display unit that displays a selection screen for causing the seller to select a purchaser image when the purchaser purchases a product at the seller's store, and a first check from the purchaser. A payment request for notifying the server of a payment request specifying the verification information acquisition unit for acquiring information, the purchaser whose purchaser image is selected on the selection screen, and the first verification information acquired by the verification information acquisition unit And a notification unit. The server, when the first verification information specified in the payment request matches the second verification information associated with the purchaser specified in the payment request, a determination unit that permits electronic payment of the commodity price Further included.

  Another aspect of the present invention is an information processing method. This method is executed by a product purchaser's terminal, a product seller's terminal, and a purchaser's terminal and a server connected to the seller's terminal via a communication network. A step in which the buyer's terminal receives a predetermined check-in operation indicating a visit schedule of the seller to the store from the purchaser, and when the check-in operation is performed, the purchaser's terminal is newly generated The step of notifying the purchaser of the verification information, and the step of recording the second verification information that can identify the first verification information in association with the purchaser when the check-in operation is performed, When a check-in operation is performed, the server provides a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal, and when the purchaser purchases a product at the seller's store. , The seller ’s device is the buyer A step of displaying a selection screen for causing the seller to select an image, and when the purchaser purchases a product at the store of the seller, the seller's terminal acquires the first verification information from the purchaser. A step in which the seller's terminal notifies the server of a payment request specifying the purchaser whose purchaser image has been selected on the selection screen and the acquired first verification information; A step of permitting electronic payment of the commodity price when the first matching information specified in the above and the second matching information associated with the purchaser specified in the settlement request match.

  Yet another aspect of the present invention is a merchandise seller terminal. This merchandise seller terminal is connected to the buyer's terminal when a predetermined check-in operation indicating the visit schedule of the seller to the store is performed on the buyer's terminal. A purchaser image acquisition unit that acquires a purchaser image that is an image showing the appearance of the purchaser provided from the server, and the purchaser image to the seller when the purchaser purchases the product at the seller's store A selection screen display unit that displays a selection screen for selection, and first verification information that is newly generated and notified to the purchaser when a check-in operation is performed on the purchaser's terminal is acquired from the purchaser. A collation information acquisition unit. When a check-in operation is performed at the purchaser's terminal, the server records second verification information that can identify the first verification information in association with the purchaser, and the purchaser image is displayed on the selection screen. By notifying the selected purchaser and the first verification information acquired by the verification information acquisition unit to the server, the first verification information and the second verification information associated with the purchaser. And a settlement request notifying unit for causing the server to determine whether or not the electronic settlement of the merchandise price is permitted based on the presence or absence of matching.

  Yet another aspect of the present invention is a sales support server. This buying and selling support server is a server connected to the purchaser's terminal and the seller's terminal via a communication network, and a predetermined check-in operation indicating a visit to the seller's store is performed at the purchaser's terminal. A collation information recording unit for recording the second collation information that can be specified for the first collation information that has been newly generated and notified to the purchaser in association with the purchaser; When a check-in operation is performed, a purchaser image providing unit that provides a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal, and a purchaser image selected by the seller on the seller's terminal A payment request receiving unit that receives from the seller terminal a payment request that specifies the purchaser information corresponding to the item and the first verification information acquired by the seller's terminal from the purchaser, and the first specified in the payment request. 1 verification information and payment request In the case where the second verification information corresponding to the designated buyer aligned, it comprises a judging section that permits electronic payment of the commodity price, a.

  It should be noted that any combination of the above-described constituent elements and a representation of the present invention converted between an apparatus, a method, a system, a program, a recording medium storing the program, and the like are also effective as an aspect of the present invention.

  According to the present invention, it is possible to support both convenience and safety of settlement.

It is a figure which shows the structure of the goods sales system of embodiment. It is a block diagram which shows the function structure of the purchaser terminal of FIG. It is a block diagram which shows the function structure of the shop terminal of FIG. It is a figure which shows the structure of the check-in information for stores. It is a block diagram which shows the structure of the sales support server of FIG. FIG. 6A shows the configuration of user registration information, and FIG. 6B shows the configuration of user check-in information. It is a figure which shows a store detail screen. It is a figure which shows a check-in screen. It is a figure which shows a goods selection screen. It is a figure which shows an accounting screen. It is a figure which shows a face pass payment screen.

  In the present embodiment, a one-time code (in other words, a one-time password) is used while maintaining a payment method using “face (photo)” and “name” (hereinafter also referred to as “face-pass payment”). We propose a merchandise trading system with added identity verification. According to this system, the accuracy of identity verification can be improved while maintaining the simplicity and convenience of settlement by face pass settlement, and fraud on the user side and the store side can be suppressed.

  FIG. 1 shows a configuration of a commodity trading system 100 according to the embodiment. The merchandise sales system 100 includes a purchaser terminal 10a, a purchaser terminal 10b, and a purchaser terminal 10c, which are collectively referred to as the purchaser terminal 10, and a store terminal 12a, a store terminal 12b, and a store terminal 12c, which are collectively referred to as the store terminal 12. A trading support server 14 and a settlement server 16 are provided. 1 are connected via wireless and wired communication networks including LAN, WAN, and the Internet.

  The purchaser terminals 10a to 10c are users who are in a position to purchase products, and are information processing terminals held by a plurality of users who use face pass settlement (hereinafter referred to as “users”) when purchasing the products. . The purchaser terminal 10 is preferably a portable information terminal that a user carries when moving, for example, a smartphone. As a modification, a stationary PC installed in a user's house may be used.

  The store terminals 12a to 12c are information processing terminals that are installed in each of a plurality of stores that actually exist in the real world and are operated by salespersons (employees) of each store. The store terminal 12 of the present embodiment is assumed to be a tablet terminal (tablet computer). The store terminal 12 is installed with an application for executing accounting processing and settlement processing related to product sales, that is, an application for realizing a cash register function.

  The trading support server 14 is an information processing apparatus that transmits and receives data to and from the purchaser terminal 10, the store terminal 12, and the settlement server 16 via a communication network. The buying and selling support server 14 provides a service for the user that supports the act of the user actually visiting the store and purchasing the product, and a service for the store for supporting the act of selling the product at the store. .

  The settlement server 16 is an information processing apparatus installed in a financial institution such as a credit card company or a bank, and executes electronic settlement processing in accordance with a settlement instruction from the trading support server 14. In this embodiment, credit card settlement is executed.

Next, the configuration of the purchaser terminal 10, the store terminal 12, and the buying and selling support server 14 will be described in detail.
FIG. 2 is a block diagram showing a functional configuration of the purchaser terminal 10 of FIG. The purchaser terminal 10 includes a touch panel 20 and a control unit 24. The control unit 24 includes an operation detection unit 26, a display control unit 28, a communication processing unit 30, and a product purchase support unit 32.

  Each block shown in the block diagram of the present specification can be realized in terms of hardware by an element such as a CPU and a memory of a computer or a mechanical device, and in terms of software, it can be realized by a computer program or the like. , Depicts functional blocks realized by their cooperation. Therefore, those skilled in the art will understand that these functional blocks can be realized in various forms by a combination of hardware and software. The same applies to the subsequent block diagrams.

  For example, a program module corresponding to each functional block in the control unit 24 is stored in a storage such as a flash memory of the purchaser terminal 10, and the CPU of the purchaser terminal 10 reads the program module into the main memory and executes it. Thus, the function of the control unit 24 may be realized. Further, the control unit 24 may store various data in a storage area such as a storage or a main memory, and execute data processing related to each functional block with reference to the data. In addition, application software corresponding to the product purchase support unit 32 may be distributed in a recording medium or a download format and installed in the purchaser terminal 10.

  The touch panel 20 is a display device (for example, a liquid crystal panel) integrally formed with an input device (for example, a touch pad). The operation detection unit 26 provides a function as a touch panel driver. For example, the operation detection unit 26 detects a user operation input to the touch panel 20 and passes the operation content to the product purchase support unit 32. The display control unit 28 also provides a function as a touch panel driver, and displays text data and image data passed from the product purchase support unit 32 on the touch panel 20, for example.

  The communication processing unit 30 controls wireless communication with an external device. In the embodiment, the communication processing unit 30 transmits the data passed from the product purchase support unit 32 to the trading support server 14. In addition, the data transmitted from the sales support server 14 is received, and the data is passed to the product purchase support unit 32.

  The product purchase support unit 32 provides a function of a product purchase support application, specifically, a user side application for using the face pass settlement service. The product purchase support unit 32 includes a user information registration unit 34, a purchase support screen display unit 36, a service information acquisition unit 38, a check-in notification unit 40, and a one-time code generation unit 42.

  The user information registration unit 34 registers attribute information related to a user necessary for using the face pass settlement in the trading support server 14. This attribute information includes a user ID, a user's name, a face photo, and credit card information necessary for credit card payment (for example, credit card type, card number, date of birth, expiration date, etc.). The user information registration unit 34 may cause the touch panel 20 to display a registration screen for allowing the user to input his / her attribute information.

  The purchase support screen display unit 36 causes the touch panel 20 to display a screen for the user in the face pass settlement service (hereinafter also referred to as “product purchase support screen”). The product purchase support screen includes (1) a login screen to the trading support server 14 as an initial screen, (2) a selection screen for a service provider (brand) that provides a face pass settlement service, and (3) a service provider A screen for selecting a store to be operated, (4) a store detail screen for displaying detailed information of the store, and (5) a check-in screen when checking in to the store are included. The purchase support screen display unit 36 displays these plural types of product purchase support screens by sequentially switching them according to the operation of the user.

  The service information acquisition unit 38 acquires information to be displayed on each of a plurality of types of product purchase support screens from the sales support server 14. For example, (2) Service provider or brand ID, name, logo, description, etc. are acquired as information for the service provider selection screen. Further, as information for (3) store selection screen and (4) store detail screen, the store ID, store name, business hours, address, etc. of each of the plurality of stores operated by the service provider are acquired. The service information acquisition unit 38 may periodically acquire the service provider information and the store information from the sales support server 14 and store them in a predetermined storage area. When the product purchase support screen is displayed, the service information acquisition unit 38 You may acquire from the support server 14. FIG.

  The operation detection unit 26 performs (4) a predetermined operation (hereinafter also referred to as “check-in operation”) indicating that the user checks in the store displaying the detailed information on the store detail screen. Detect that. In the present embodiment, “check-in” is positioned as a user's schedule for a visit to a specific store, in other words, a user's intention to visit a specific store that has not yet been confirmed. When a check-in operation is detected, the check-in notification unit 40 transmits check-in information indicating that to the trading support server 14. This check-in information includes a user ID, a service provider ID to be checked in, and a store ID.

  The one-time code generation unit 42 acquires a random number sequence transmitted from the trading support server 14 as a response to the check-in information notification. The one-time code generation unit 42 inputs a random number sequence acquired from the trading support server 14 to a predetermined confirmation code generation function, and generates a confirmation code based on the random number sequence. This confirmation code is verification information that is temporarily valid only for this check-in, and is a so-called one-time password. In the present embodiment, it is assumed that the confirmation code is a 4-digit numeric string (0000 to 9999). The purchase support screen display unit 36 displays the confirmation code generated by the one-time code generation unit 42 on the (5) check-in screen. The purchaser terminal 10 may notify the user of the confirmation code by a method other than the screen display. For example, the purchaser terminal 10 may output the confirmation code by voice.

  FIG. 3 is a block diagram showing a functional configuration of the store terminal 12 of FIG. The store terminal 12 includes a touch panel 50, a check-in information holding unit 54, and a control unit 56. The control unit 56 includes an operation detection unit 58, a display control unit 60, a communication processing unit 62, and a product sales support unit 64.

  As described above, program modules corresponding to each functional block in the control unit 56 are stored in a storage such as a flash memory of the store terminal 12, and the CPU of the store terminal 12 reads these program modules into the main memory. By executing the function, the function of the control unit 56 may be realized. The control unit 56 may store various data in a storage device such as a storage or a main memory, and execute data processing related to each functional block with reference to the data. Further, application software corresponding to the merchandise sales support unit 64 may be distributed in a recording medium or a download format and installed in the store terminal 12. Further, the function of the check-in information holding unit 54 may be realized by a storage device such as a storage of the store terminal 12 or a main memory.

  The functions of the touch panel 50, the operation detection unit 58, the display control unit 60, and the communication processing unit 62 are the same as the functions of the touch panel 20, the operation detection unit 26, the display control unit 28, and the communication processing unit 30 of the purchaser terminal 10. Description is omitted.

  The check-in information holding unit 54 holds attribute information (hereinafter also referred to as “store check-in information”) regarding a user who has checked in to the own store, that is, a user who plans to visit the own store. FIG. 4 shows the structure of store check-in information. The store check-in information includes the user ID, name, face photo image, and credit card information (part). This credit card information is obtained by limiting the user's credit card information registered in the trading support server 14 to a range that can be disclosed to the store salesperson, and may be, for example, the type and expiration date of the credit card. .

  Returning to FIG. 3, the merchandise sales support unit 64 provides a function of a merchandise sales support application, specifically, a store-side application for using the face pass settlement service. The product sales support unit 64 includes a sales support screen display unit 66, a product information acquisition unit 68, a check-in information update unit 70, a one-time code acquisition unit 72, a settlement request notification unit 74, and a result acquisition unit 76. Including.

  The sales support screen display unit 66 displays a screen for a store in the face pass settlement service (hereinafter also referred to as “product sales support screen”) on the touch panel 50. The product sales support screen includes (1) a menu selection screen (accounting menu, management menu, etc.) as an initial screen, (2) a product selection screen for selecting a user's purchased product, and (3) a payment method. (4) a face pass settlement screen for performing face pass settlement, and (5) a settlement result screen showing the result of settlement. The sales support screen display unit 66 displays the plurality of types of product sales support screens by sequentially switching them according to the operation of the store salesperson.

  The product information acquisition unit 68 acquires product information to be displayed on the (2) product selection screen of the product sales support screen from the sales support server 14. This product information includes the product name, product image, and sales price. The product information acquisition unit 68 may periodically acquire product information from the sales support server 14 and store it in a predetermined storage area, or may acquire it from the sales support server 14 when the product selection screen is displayed. Good.

  The check-in information update unit 70 acquires store check-in information (FIG. 4) that is attribute information related to the user who checked in to the store from the trading support server 14 and stores it in the check-in information holding unit 54. . In the present embodiment, the buying and selling support server 14 provides store check-in information to the store terminal 12 by a known push notification mechanism. The check-in information update unit 70 may acquire the store check-in information notified by push from the trading support server 14 via a mediation server (not shown).

  The one-time code acquisition unit 72 acquires a confirmation code notified in advance to the user. In the present embodiment, the store salesperson who has received the verification code verbal declaration by the user acquires the confirmation code input to the (4) face pass settlement screen of the product sales support screen. The settlement request notifying unit 74 displays the ID, service provider ID, store ID, settlement amount, payment conditions, one-time of the user whose face photograph is selected when the store salesperson performs the face pass settlement execution operation. The settlement request including the confirmation code acquired by the code acquisition unit 72 is transmitted to the trading support server 14. As will be described later, by confirming the confirmation code in the settlement request to the trading support server 14, the trading support server 14 confirms whether or not the confirmation code reported by the user matches the confirmation code expected by the trading support server 14 side. The validity of the confirmation code reported by the user is determined.

  The result acquisition unit 76 acquires the settlement result information provided from the trading support server 14 as a response to the settlement request. The sales support screen display unit 66 displays the settlement result information provided from the trading support server 14 on the (5) settlement result screen of the product sales support screen. The check-in information update unit 70 is a user who has made a payment from the check-in information holding unit 54, typically when the result acquisition unit 76 accepts the payment result, and typically when the payment for the product price is completed. Delete the record. The store salesperson is in a position to know the declaration code after receiving a confirmation code from the user when purchasing the product. By deleting the check-in information for the store for which the settlement process after check-in is completed, the store salesperson can be prevented from being fraudulent.

  FIG. 5 is a block diagram showing a configuration of the trading support server 14 of FIG. The trading support server 14 includes a service information holding unit 110, a user information holding unit 111, a store information holding unit 112, and a control unit 114. The control unit 114 includes a user information recording unit 116, a product information recording unit 118, a check-in reception unit 120, a random number acquisition unit 122, a random number provision unit 124, a check-in information provision unit 126, and a settlement request reception. A unit 128, a settlement permission / rejection determination unit 130, a settlement processing unit 132, and a result notification unit 134.

  As described above, program modules corresponding to the respective functional blocks in the control unit 114 are stored in a storage such as a hard disk of the trading support server 14, and the CPU of the trading support server 14 appropriately transfers these program modules to the main memory. The function of the control unit 114 may be realized by reading and executing. The control unit 114 may store various data in a storage device such as a storage or a main memory, and execute data processing related to each functional block with reference to the data. Further, the functions of the service information holding unit 110, the user information holding unit 111, and the store information holding unit 112 may be realized by a storage device such as a storage of the trading support server 14 or a main memory.

  The service information holding unit 110 is a storage area that holds, as service information, information related to a service provider that provides a face pass settlement service and information about a store operated by the service provider. This service information is also information to be displayed on the product purchase support screen of the purchaser terminal 10 and is set in advance by the administrator of the product trading system 100.

  The user information holding unit 111 includes user information in the face pass payment service (hereinafter also referred to as “user registration information”), and information on the user's check-in (hereinafter referred to as “user check-in information”). It is also a storage area that holds “. FIG. 6A shows the configuration of user registration information. The user registration information includes the user ID registered by the purchaser terminal 10, name, face photo image, and all credit card information necessary for settlement. FIG. 6B shows the structure of user check-in information. The user check-in information includes a user ID notified from the purchaser terminal 10, a service provider ID to be checked in, a store ID, a random number sequence to be described later, and a face pass expiration date.

  Returning to FIG. 5, the store information holding unit 112 holds information related to individual stores (hereinafter also referred to as “store individual information”). The store individual information includes a service provider ID, a store ID, store terminal information, and product information. The store terminal information includes information of the store terminal 12 necessary for push notification of check-in information. For example, it may be the IP address of the store terminal 12 or an individual identification number (UID). The product information includes the name, image, and sales price of the product sold at the store.

  Although not shown in FIG. 5, the trading support server 14 provides service information held in the service information holding unit 110 to the purchaser terminal 10 periodically or in response to a request from the purchaser terminal 10. You may further provide a provision part. The sales support server 14 may further include a product information providing unit that provides the product information held in the store information holding unit 112 to the store terminal 12 periodically or in response to a request from the store terminal 12.

  The user information recording unit 116 stores the user attribute information registered from the purchaser terminal 10 in the user information holding unit 111 as user registration information (FIG. 6A). The merchandise information recording unit 118 accepts merchandise information registered from a service provider or a store information terminal (for example, the store terminal 12), and updates the merchandise information in the store information holding unit 112.

  The check-in reception unit 120 receives the check-in information notified from the purchaser terminal 10 and stores it in the user information holding unit 111 as user check-in information (FIG. 6B). At that time, the check-in reception unit 120 sets the date and time when the predetermined time has elapsed from the reception date and time of the check-in information (for example, the date and time after one hour) as the face pass expiration date in the user check-in information.

  The random number acquisition unit 122 acquires a random number sequence generated by a predetermined random number generator when the check-in information is received. The value of this random number sequence does not have to be a mathematically generated random number, but may be a pseudo random number generated by a hardware random number, a software random number, or the like. The random number acquisition unit 122 sets the acquired random number sequence data in the user check-in information of the user information holding unit 111. The random number providing unit 124 transmits the random number sequence data acquired by the random number acquiring unit 122 to the purchaser terminal 10 as a response to the notification of the check-in information.

  When the check-in information is received, the check-in information providing unit 126 provides the store terminal 12 with the ID of the user who performed the check-in as a key from the user registration information of the user information holding unit 111. The check-in information for the store (FIG. 4) to be extracted is extracted. The check-in information providing unit 126 transmits the set store check-in information to the store terminal 12 by a known push notification method.

  The settlement request accepting unit 128 accepts a settlement request transmitted from the store terminal 12. The settlement approval / disapproval determination unit 130 refers to the user check-in information in the user information holding unit 111, and the random number sequence and face associated with the user ID, service provider ID, and store ID specified in the settlement request. Identify the pass expiration date. If the settlement request acceptance date and time (typically current date and time) has passed the face pass expiration date, the settlement permission determination unit 130 refuses to execute the settlement.

  If the settlement request acceptance date / time is within the face pass validity period, the settlement permission / rejection determination unit 130 divides the confirmation code specified in the settlement request (referred to herein as the “first code”) and the specified random number sequence. Judgment is made on the basis of settlement. Specifically, a random number sequence is input to the same function as the confirmation code generation function used in the purchaser terminal 10, and a confirmation code based on this random number sequence (referred to herein as a “second code”) is generated. Then, the first code and the second code are collated, and if they match, the execution of the settlement is permitted as having received the valid confirmation code, and if they are different, the execution of the settlement is rejected.

  The settlement processing unit 132 executes the settlement process when the settlement permission determination unit 130 permits the settlement. Specifically, the credit card information held in the user registration information of the user information holding unit 111 and the payment instruction data specifying the payment amount and payment conditions (number of payments, etc.) specified in the payment request are sent to the payment server. 16 to send. The payment processing unit 132 acquires information indicating the success or failure of the credit card payment by the payment server 16 from the payment server 16.

  The result notification unit 134 transmits, to the store terminal 12 as payment result information, information indicating whether or not the payment is permitted and the payment process is successful. For example, if the face pass has expired, it is information that the payment is rejected because the face pass has expired, and information for prompting the user to perform a new check-in operation is provided to the store terminal 12 as payment result information To do. If the confirmation code reported by the user is invalid (that is, does not match the second code), information indicating that the confirmation code is invalid is provided to the store terminal 12 as settlement result information. As a modification, the result notification unit 134 may include information including the name of the store where the payment has failed, and may transmit information for prompting the user to perform a new check-in operation to the purchaser terminal 10.

The operation of the commodity trading system 100 having the above configuration will be described below.
Before using the face pass settlement service, the user registers necessary information for face pass settlement in the trading support server 14. This necessary information includes a user ID, a user name, a face photo, and credit card information (for example, credit card type, card number, date of birth, expiration date, etc.) necessary for credit card payment. The user information recording unit 116 of the trading support server 14 stores the user registration information in the user information holding unit 111. In addition, the service provider registers the product information to be sold at the store in the sales support server 14, and the product information recording unit 118 of the sales support server 14 stores the product information in the store information holding unit 112.

  When the user thinks of stopping at a store (for example, while going out), the product purchase support application is activated on the purchaser terminal 10. The service information acquisition unit 38 of the purchaser terminal 10 acquires data to be displayed on the product purchase support screen from the sales support server 14. The purchase support screen display unit 36 of the purchaser terminal 10 sequentially displays a login screen, a service provider selection screen, and a store selection screen as the product purchase support screen, and then displays detailed information on the store selected on the store selection screen. The store detail screen shown is displayed. FIG. 7 shows a store detail screen. The store detail screen 140 includes a face pass settlement selection field 142. When face pass payment is desired, the user inputs a predetermined check-in operation (for example, a tap operation or a flick operation in a predetermined direction) to the face pass payment selection field 142. This check-in operation indicates that the user has an intention to visit the store at a future time point, and the user information is notified to the store to be visited as will be described later.

  When a check-in operation is detected on the store detail screen 140, the check-in notification unit 40 of the purchaser terminal 10 transmits check-in information to the trading support server 14. The check-in reception unit 120 of the trading support server 14 stores the received check-in information in the user information holding unit 111 as user check-in information. The random number acquisition unit 122 of the trading support server 14 acquires a newly generated random number sequence when the check-in reception unit 120 receives the check-in information, and records it in the user check-in information. The random number providing unit 124 of the trading support server 14 transmits the data of the random number sequence to the purchaser terminal 10.

  When the random number sequence is received as a response of the trading support server 14 to the check-in information notification, the one-time code generation unit 42 of the purchaser terminal 10 newly generates a confirmation code according to the random number sequence provided from the trading support server 14. . Then, the sales support screen display unit 66 displays a check-in screen indicating that the check-in to the store has been accepted. FIG. 8 shows a check-in screen. The check-in screen 150 includes a user information area 152 that displays information related to the user who has checked in. In the user information area 152, the user's photo image 154, name 156, and confirmation code 158 generated by the one-time code generation unit 42 are displayed. The user confirms (for example, stores) the confirmation code 158 displayed on the check-in screen 150 and visits the store.

  The check-in information providing unit 126 of the trading support server 14 extracts the check-in information for the store from the user registration information stored in the user information holding unit 111 when the check-in receiving unit 120 receives the check-in information. The store check-in information is transmitted to the store terminal 12. The check-in information update unit 70 of the store terminal 12 acquires the store check-in information provided from the trading support server 14 and stores it in the check-in information holding unit 54.

  When a user visits a store that has been checked in in advance, decides a product desired to be purchased and speaks to the store salesperson, the store salesperson operates the store terminal 12 to select a menu screen for the product sales support application Select the accounting menu with. The product information acquisition unit 68 of the store terminal 12 acquires the product information sold at the store from the sales support server 14, and the sales support screen display unit 66 of the store terminal 12 displays a product selection screen in which the product information is arranged.

  FIG. 9 shows a product selection screen. The product name and product image are arranged in the product selection area 162 of the product selection screen 160. In the detail area 164, the product name and the sales price selected by the store sales person in the product selection area 162 are displayed. The detail area 164 includes a check-in status field 166. The sales support screen display unit 66 sets the number of users currently checked in at the own store in the check-in status field 166, for example, sets the number of records in the check-in information holding unit 54 in the check-in status field 166.

  The sales support screen display unit 66 also receives new store check-in information from the trading support server 14 while the product selection screen 160 is displayed (when a new record is inserted into the check-in information holding unit 54). ), The pop-up 168 temporarily displays the user name and face photo image indicated by the check-in information for the store. That is, when there is a check-in to the store, the information of the user who performed the check-in is displayed in a pop-up on the product selection screen 160. When selection of the product to be purchased is completed and the store sales person presses the accounting button 170, the sales support screen display unit 66 displays the accounting screen next.

  FIG. 10 shows an accounting screen. The accounting screen 180 can also be said to be a screen for selecting a payment method. The accounting screen 180 includes a cash settlement designation area 182, a face pass settlement designation area 184, and a card settlement designation area 188. The cash settlement designation area 182 is an area for inputting a payment amount in the case of cash settlement. The face pass settlement designation area 184 is an area for selecting a face photograph 186 of a purchaser (that is, a user who is going to purchase a product at a store) in the case of face pass settlement. The card payment designation area 188 is an area selected in the case of credit card payment by reading a credit card held by the user.

  In this embodiment, face pass settlement is selected. The user declares his / her name (here “Hanako Nomura”) to the store salesperson. The store salesperson checks each item (combination of name and face photo) of a plurality of checked-in users displayed in the face pass settlement designation area 184. The store salesperson looks at the appearance of the user and confirms that it matches the face photo 186 of “Hanako Nomura” displayed in the face pass payment designation area 184, and then the face photo 186 of “Hanako Nomura” is displayed. A selection operation (for example, a tap operation) is input. Next, the sales support screen display unit 66 displays a face pass settlement screen.

  FIG. 11 shows a face pass settlement screen. On the face pass settlement screen 190, a face photograph 192 and name 194 of the user selected on the accounting screen 180, a confirmation code input field 196, and a decision button 198 are displayed. Here, the user declares the confirmation code confirmed at the time of check-in to the store salesperson. The store sales person inputs the reported confirmation code into the confirmation code input field 196. Note that payment conditions (such as the number of payments) can be changed on the face pass settlement screen 190. When the store salesperson confirms that the user's appearance matches the face photograph 192, and the name declared by the user matches the name 194, and the confirmation code input field 196 completes the input of the confirmation code, The store sales clerk inputs a selection operation to the decision button 198 to execute a settlement process.

  When the selection operation of the determination button 198 is detected on the face pass settlement screen 190, the one-time code acquisition unit 72 of the store terminal 12 confirms the confirmation code (herein referred to as “declaration code”) entered in the confirmation code input field 196. .) The settlement request notifying unit 74 of the store terminal 12 transmits a settlement request including a declaration code to the buying and selling support server 14. When the settlement request receiving unit 128 of the trading support server 14 receives the settlement request, the settlement permission determination unit 130 of the trading support server 14 specifies the user check-in information by the user ID specified in the settlement request. Then, a confirmation code (in this case, a “collation code”, which is newly generated upon receipt of a payment request in accordance with a random number sequence of the user check-in information when the face pass expiration date of the user check-in information has not passed. ) And the return code specified in the settlement request are permitted, the credit card settlement of the product price is permitted.

  When the credit card settlement is permitted by the settlement permission determination unit 130, the settlement processing unit 132 transmits a settlement instruction to the settlement server 16, and executes a settlement process for the commodity price. The result notifying unit 134 transmits information indicating the result of the settlement process in the sales support server 14 and the settlement server 16 to the store terminal 12. The sales support screen display unit 66 of the store terminal 12 displays the result of the settlement process on the screen. The store sales person confirms the result of the settlement process, and if the content indicates that the settlement has been completed normally, the store sales person delivers the product to the user on the assumption that the sale of the product has been completed normally. If the transaction support server 14 or the settlement server 16 indicates that the settlement process is rejected or has failed, the store salesperson informs the user and prompts the user for a new check-in operation, for example.

  According to the merchandise sales system 100 of the present embodiment, the user can complete the payment of the merchandise price by declaring the name and confirmation code when actually visiting the store and purchasing the product after checking in the store. . In other words, a product can be purchased with a “face pass” without taking out a physical payment medium such as cash or a credit card at a store. As a result, convenience related to product purchase is enhanced. In addition, even when visiting a store for the first time or when the number of visits is small, it is possible to purchase products with simple procedures as if they were regular customers, making it easier for the user to have a sense of superiority and satisfaction.

  Further, according to the commodity trading system 100, a one-time confirmation code is presented to the user at the time of check-in to the store. Then, on the condition that the confirmation code declared by the user at the time of product purchase matches the confirmation code generated on the buying and selling support server 14 side at the time of product purchase, the person who checked in tries to purchase the product at the store. It is determined that the person is the same, and the face pass settlement is permitted. In this way, in addition to the store salesperson visually confirming the purchaser's appearance and facial photograph, the use of the verification code collation processing by the buying and selling support server 14 together makes it possible to make an illegal settlement. It can be effectively suppressed.

  For example, even when a malicious third party impersonates another user, it is difficult for the third party to know the confirmation code, so that illegal acts on the user side can be effectively prevented. In addition, if a store salesperson misidentifies or misoperates a purchaser, for example, if the selection of a face photo is wrong, an inconsistency in the confirmation code is detected, preventing incorrect payments. it can. Further, since the store salesperson cannot know the confirmation code until the user declares it, fraudulent acts by the store salesperson can be effectively prevented. For example, it is possible to prevent unauthorized payment of a product that is not actually purchased by specifying a facial photograph of a user who does not visit the store.

  Further, according to the merchandise trading system 100, after the check-in by the user, the face pass settlement is permitted on the further condition that the settlement request is made within a predetermined valid period (that is, while the face pass validity period has not passed). . As time elapses after the confirmation code is presented to the user, the possibility that the confirmation code is leaked to a third party increases. In the present embodiment, by providing the face pass expiration date, it is possible to suppress a decrease in the accuracy of checking the identity between the person who checked in and the person who intends to purchase the product at the store.

  The present invention has been described based on the embodiments. This embodiment is an exemplification, and it will be understood by those skilled in the art that various modifications can be made to combinations of the respective constituent elements and processing processes, and such modifications are also within the scope of the present invention. is there. A modification is shown below.

A first modification will be described.
In the above embodiment, the buying and selling support server 14 holds the random number sequence as the generation data of the confirmation code, not the confirmation code itself as the user check-in information. As a modification, at the time of a check-in operation by the user, the random number acquisition unit 122 of the trading support server 14 generates a confirmation code based on the random number sequence, and the trading support server 14 uses the confirmation code as user check-in information. It may be held. In addition, a confirmation code may be provided instead of providing a random number sequence from the trading support server 14 to the purchaser terminal 10. In the above embodiment, the buying and selling support server 14 transmits the random number sequence to the purchaser terminal 10 when the user performs a check-in operation. As a modification, the purchaser terminal 10 may generate a random number sequence and include it in the check-in information and transmit it to the trading support server 14. Further, the purchaser terminal 10 may generate a confirmation code based on the random number sequence and transmit the confirmation code to the trading support server 14. Thus, the “first collation information” and the “second collation information” described in the claims may have the same content.

A second modification will be described.
In the above embodiment, the confirmation code notified to the user is a 4-digit number string. As a modification, the confirmation code may be data in a form other than a numeric string, and may be, for example, a barcode or a QR code (registered trademark). In this case, the user presents the purchaser terminal 10 displaying the confirmation code at the store, and the one-time code acquisition unit 72 of the store terminal 12 passes through a predetermined reader such as a barcode reader or a QR code reader. The content of the confirmation code may be acquired.

A third modification will be described.
The purchaser terminal 10 may have an automatic check-in function. In this modification, the buying and selling support server 14 holds position information (for example, latitude / longitude values) indicating the position of the store on the map. The service information acquisition unit 38 of the purchaser terminal 10 further acquires store location information from the trading support server 14. The purchaser terminal 10 further includes a GPS device and a position determination unit. The GPS device receives GPS positioning information from a GPS satellite, and outputs information (for example, latitude / longitude values) indicating the current position of the purchaser terminal 10 from the received information.

  The position determination unit determines whether or not the purchaser terminal 10 exists in the vicinity of a store designated in advance by the user (hereinafter also referred to as “designated store”). Specifically, when the current position of the purchaser terminal 10 output by the GPS device is included within a predetermined range (for example, a radius of 100 meters) from the location of the designated store, the purchaser terminal 10 is located near the designated store. It is determined that it exists. When it is determined that the purchaser terminal 10 exists in the vicinity of the designated store, the check-in notification unit 40 automatically transmits check-in information designating the designated store to the trading support server 14. The purchase support screen display unit 36 may display the confirmation code generated in the automatic check-in on the automatic check-in screen similar to the check-in screen 150 in FIG.

A fourth modification will be described.
The purchaser terminal 10 and the store terminal 12 may be implemented as a thin client. For example, the purchaser terminal 10 obtains input data to the touch panel 20 via the operation detection unit 26 and displays the screen data obtained from the trading support server 14 on the touch panel 20 via the display control unit 28. It may be the composition provided only with. Similarly, the store terminal 12 acquires input data to the touch panel 50 via the operation detection unit 58 and displays the screen data acquired from the trading support server 14 on the touch panel 50 via the display control unit 60. It may be the composition provided only with. The screen display units of the purchaser terminal 10 and the store terminal 12 may be realized by a web browser.

  In this modification, the buying and selling support server 14 collectively executes data processing for realizing functions corresponding to the product purchase support unit 32 in FIG. 2 and the product sales support unit 64 in FIG. Further, the buying and selling support server 14 may have a function of a web server and may provide screen data indicating a result of data processing to the purchaser terminal 10 and the store terminal 12 as structured documents (HTML, XML, etc.).

A fifth modification will be described.
The trading support server 14 may further include a confirmation code lockout function. In this modification, the buying and selling support server 14 receives a payment request for designating the same user ID, service provider ID, and store ID a plurality of times. A confirmation code (second code) based on a random number sequence specified by a combination of the confirmation code (first code) specified in each settlement request and the above-described user ID, service provider ID, and store ID is provided. When the number of mismatches reaches a predetermined threshold value (three times in this case), the random number sequence specified by the combination of the user ID, the service provider ID, and the store ID is invalidated. In other words, the confirmation code provided to the user by the prior user check-in is invalid.

  For example, the user check-in information in the user information holding unit 111 may further include a verification failure frequency column (initial value: 0) and an invalid flag column (initial value: off). When the first code and the second code are inconsistent, the payment permission determination unit 130 checks the user check-in specified by the combination of the user ID, the service provider ID, and the store ID specified in the payment request. For information, the number of matching failures is incremented. When the number of collation failures reaches 3, the user check-in information invalid flag is set to ON. The settlement permission / rejection determination unit 130 first confirms the invalid flag of the user check-in information based on the combination of the user ID, the service provider ID, and the store ID specified in the settlement request. If the invalid flag is on, the verification code verification process is skipped, that is, the settlement is rejected regardless of whether the first code and the second code match. The result notification unit 134 is information indicating that the confirmation code has been invalidated, and provides the store terminal 12 or the purchaser terminal 10 with information for prompting the user to perform a new check-in operation. When a new check-in is performed, a new random number sequence (confirmation code) is generated and new user check-in information is generated.

  In this modified example, when the number of verification code verification failures reaches a predetermined number, electronic settlement using the verification code issued at the time of check-in by the user is rejected. This makes it easy to prevent spoofing of a user by a malicious third party and execution of unauthorized payment due to an unauthorized payment request on the store side.

  Next, in relation to the above modification, a further modification for suppressing impersonation of a malicious third party to a user and an illegal settlement request on the store side will be described. The trading support server 14 may further include a check-in determination unit that rejects check-in when a predetermined condition is satisfied. The check-in determination unit may temporarily stop the use of the face pass settlement when the check-in is repeated a predetermined number of times or more on the same day as the first fraud prevention process. The check-in determination unit may temporarily stop the face pass settlement by the terminal when the re-check-in is repeated from the same terminal as the second fraud prevention process.

  The first fraud prevention process of the check-in determination unit will be described in detail. The user information holding unit 111 further holds a check-in history associated with the number of check-ins (initial value: 0) using the date of the day, the user ID, the service provider ID, and the store ID as keys. The number of check-ins records the number of check-ins to the same store by the same user on a specific date. When the check-in reception unit 120 receives check-in information, the check-in reception unit 120 checks if the history corresponding to the user ID, the service provider ID, and the store ID specified in the check-in information has not been recorded. A new check-in history indicating the number of ins “1” is newly recorded, and if recorded, the number of check-ins is incremented.

  When the check-in reception unit 120 receives the check-in information, the check-in determination unit specifies the check-in history corresponding to the date of the day, the user ID specified by the check-in information, the service provider ID, and the store ID. If the number of check-ins is 5 or less, check-in is permitted. Thereafter, the process of providing the random number sequence and the store check-in information is continued. On the other hand, if the number of check-ins is 6 or more, the check-in determination unit rejects the check-in. In this case, the check-in determination unit rejects the check-in from the user whose check-in count exceeds the specified count until a predetermined operation by the user, for example, a predetermined identity verification operation, is performed, and a confirmation code The face pass settlement is temporarily stopped by skipping the issuance process.

  The second fraud prevention process of the check-in determination unit will be described in detail. The user information holding unit 111 holds a check-in history obtained by adding a terminal ID to the check-in history of the first configuration. The check-in information from the purchaser terminal 10 further includes a terminal ID (for example, an individual identification number) of the purchaser terminal 10. The check-in reception unit 120 increments the number of check-ins using the terminal ID, user ID, service provider ID, and store ID specified by the check-in information as keys.

  When the check-in receiving unit 120 receives check-in information, the check-in determining unit checks the check-in corresponding to the date of the day, the terminal ID, the user ID, the service provider ID, and the store ID specified by the check-in information. A history is specified, and check-in is permitted when the number of check-ins is 5 or less. On the other hand, if the number of check-ins is 6 or more, the check-in is rejected. In this case, the check-in determination unit rejects check-in from the purchaser terminal 10 in which the number of check-ins exceeds the specified number of times until a predetermined operation by the user, for example, a predetermined identity verification operation is performed, By skipping the verification code issuing process, the face pass settlement is temporarily stopped. Each of the first fraud prevention process and the second fraud prevention process is not limited to the fifth modification example, and may be combined with the structure of the embodiment and the structure of another modification example.

A sixth modification will be described.
The trading support server 14 may further include a function for eliminating duplication of confirmation codes issued to users. As described above, the user check-in information of the user information holding unit 111 stores a random number sequence in association with the user ID. In this modified example, the check-in date and time is further stored. Specifically, the check-in reception unit 120 records the user check-in information at the current date and time, in other words, from the purchaser terminal 10. The date information when the information is received is further recorded. The random number acquisition unit 122 suppresses issuing the same confirmation code as the confirmation code issued to the same person on the same day with the user and the confirmation code as a set. By assuring the uniqueness of the confirmation code, the confidentiality of the confirmation code is enhanced, and it becomes easy to prevent fraudulent acts by malicious third parties and stores.

  Specifically, when the random number acquisition unit 122 acquires a random number sequence from the random number generator, the combination of the acquired random number sequence and the user ID specified by the check-in information is associated with the current date. Check if the existing user check-in information has been set. If the existing user check-in information is not set, that is, if the combination of the acquired random number sequence and the user ID is unique, the random number acquisition unit 122 executes the subsequent processing using the acquired random number sequence. On the other hand, if the combination of the acquired random number sequence and the user ID is already set in the existing user check-in information, that is, if the acquired random number sequence is the same value as the random number sequence issued to the user The random number acquisition unit 122 acquires the random number sequence from the random number generator again, and executes the comparison process with the existing user check-in information again.

  Note that the random number acquisition unit 122 may exclude, from the comparison target, existing user check-in information associated with the current date whose face pass expiration date has expired. In other words, only existing user check-in information that is associated with the current date and whose face pass expiration date has not elapsed may be extracted as a comparison target. Further, as already described in the first modification, when the trading support server 14 generates a confirmation code based on the random number sequence, the confirmation code may be stored in the user check-in information. In this case, the random number acquisition unit 122 may execute a comparison process between the generated confirmation code and the existing user check-in information.

  Although related to the fifth modified example, also in the sixth modified example, when the check-in information is received, the buying and selling support server 14 checks to reject check-in when a predetermined condition is satisfied. An in determination unit may be further provided. The random number acquisition unit 122 may execute the random number sequence acquisition / comparison process on condition that the check-in determination unit permits (does not reject) check-in in both of the following two determination processes. Good. As a first determination process, the check-in determination unit determines whether a user who performs check-in does not exceed a specified distance within a specified time, and as a second determination process, one user is in a short period of time. Determine if you have a large number of check-ins.

  The first determination process of the check-in determination unit will be described in detail. Although related to the third modification, the trading support server 14 holds position information (for example, latitude / longitude values) indicating the position of the store on the map. The check-in determination unit recognizes the check-in date and time of the check-in information received this time (hereinafter also referred to as “the check-in information”) and the store position specified by the store ID. Further, the check-in date and time of the existing user check-in information associated with the user ID specified by the check-in information (hereinafter also referred to as “existing check-in information”) and the store ID are specified. Recognize store location.

  The check-in determination unit checks the distance between the allowed stores (the magnitude of the divergence of each store position) between the target store in the check-in information and the target store in the existing check-in information by checking the check-in information. It is determined according to the difference between the in date and time and the check in date and time of the existing check in information. Typically, the larger the difference between the check dates, the greater the allowed inter-store distance, and the two are determined to have a positive correlation. For example, if the difference in check-in date is 1 hour, the allowable inter-store distance is determined as 60 kilometers, and if the difference in check-in date is 2 hours, the allowable inter-store distance is determined as 120 kilometers. Also good.

  The check-in determination unit calculates the inter-store distance from the position information of each of the target stores in the check-in information and the target stores in the existing check-in information. When the calculated inter-store distance is larger than the allowable inter-store distance, the check-in determination unit rejects check-in. For example, if the same user performs a check-in operation on the store A in Shibuya at 10:00 and then performs a check-in operation on the store B in Hakata at 10:40, the check-in determination unit performs the latter check-in. I refuse. According to the first determination process, when a check-in that is actually difficult to visit is accepted, the face-pass settlement preparation process that is assumed to be wasted is suppressed, and the number of check-in information to be managed is reduced. This can reduce the waste of system resources of the trading support server 14. In addition, it is possible to suppress notification of a substantially meaningless check-in to the store side.

  The second determination process of the check-in determination unit will be described in detail. The check-in determination unit refers to the existing user check-in information associated with the user ID specified by the check-in information. Then, when there are a predetermined number or more (for example, 20 or more) of user check-in information recorded within a predetermined time (for example, the latest 5 minutes), it is determined that a large amount of check-in has been performed and the check-in is rejected. .

  The user information holding unit 111 holds a history of check-in time and check-off time using the user ID, service provider ID, and store ID as keys. Each time the check-in reception unit 120 receives check-in information, the check-in reception unit 120 sequentially records the check-in information reception date and time in the check-in time history as the check-in time. In addition, every time check-in information is received, the check-in reception unit 120 sequentially records the reception date and time of the check-off information as the check-off time in the check-off time history. The check-off information is information requesting cancellation of check-in. Upon receiving the check-off information, the trading support server 14 may delete the corresponding user check-in information, or may send a request for canceling the store check-in information to the store terminal 12.

  The check-in determination unit refers to the history of check-in time and check-off time using the user ID, service provider ID, and store ID specified in the check-in information as keys. When it is detected that the check-in and check-off are repeated a predetermined number of times or more for the same store, it is determined that a large amount of check-in has been performed and the check-in is rejected.

  Once the check-in is rejected in the second determination process, the check-in determination unit continues until a predetermined check-in permission condition is satisfied, and checks with the check-in information in which the user ID to be rejected is specified. Reject in. The check-in permission condition may be, for example, that 30 minutes have passed since the last check-in, or that 30 minutes have elapsed since the check-in rejection was determined. According to the second determination process, it is possible to prevent the number of check-ins that cannot be actually visited on the day or a large number of check-ins in a short time, prevent the system resources of the trading support server 14 from being wasted, and to prevent DoS attacks. Resistance can be improved. Each of the first determination process and the second determination process is not limited to the sixth modified example, and may be combined with the configuration of the embodiment and the configuration of another modified example.

A seventh modification will be described.
The trading support server 14 issues coupons that can be used in the store, such as discount coupons and vouchers, to a user who uses face pass settlement for the first time at a specific store (hereinafter also referred to as “first customer”). May be. In this modification, the buying and selling support server 14 accepts registration of coupon information that each store provides to the first customer. The user information holding unit 111 of the buying and selling support server 14 further holds a check-in history that associates the user, the store, and the number of check-ins. When the check-in reception unit 120 of the trading support server 14 receives the check-in information, the check-in reception unit 120 increments the number of check-ins in the check-in history corresponding to the user ID and the store ID.

  The sales support server 14 further includes a coupon providing unit. When the check-in receiving unit 120 receives the check-in information, the coupon providing unit checks the number of check-ins in the check-in history corresponding to the user ID and the store ID. When the number of check-ins is “1” (that is, the first customer), the coupon providing unit provides information on coupons provided by the check-in target store to the purchaser terminal 10 in accordance with the provision of the random number sequence. Thereby, coupon information is displayed on the check-in screen 150 (FIG. 8) of the purchaser terminal 10, for example, and the user's willingness to purchase is increased. Moreover, a coupon provision part provides the information of the coupon provided to the first time customer to the store terminal 12 according to provision of the check-in information for stores to the check-in target store. Thereby, coupon information can be displayed on the face pass settlement screen 190 of the store terminal 12, for example, and the store salesperson can be notified that the customer is a coupon application target customer.

An eighth modification will be described.
The user may register a plurality of credit card information of different card types in the trading support server 14 as his / her attribute information. In this case, the sales support server 14 provides a plurality of credit card information to the store terminal 12 as store check-in information, and the sales support screen display unit 66 of the store terminal 12 displays the face pass settlement screen 190 in FIG. A plurality of credit card information associated with the purchaser may be displayed in a list so as to be selectable / switchable. The store sales person accepts the type of credit card to be used in the settlement based on the oral declaration from the purchaser, and selects the credit card from the list.

  Next, a description will be given of a configuration in which when a user has already registered a plurality of pieces of credit card information, which credit card is used is automatically determined as to which the merit is great, and a card having a large merit is displayed by default.

  When the specific facial photograph 186 is selected on the accounting screen 180 of FIG. 10, the store terminal 12 displays the user ID corresponding to the selected facial photograph 186, the purchase target product, and the payment amount as the service provider ID. And a customer information notification unit that notifies the sales support server 14 together with the store ID. The trading support server 14 further includes a reward information holding unit and a reward determination unit. The reward information holding unit holds information of a reward program determined for each credit card, for example, the type of reward (electronic point provision, cashback, coupon provision, etc.) and the provision condition of the reward.

  The reward determination unit refers to the service information holding unit 110 and identifies the service provider name and the store name corresponding to the service provider ID and the store ID notified from the store terminal 12. In addition, referring to the user registration information in the user information holding unit 111, a plurality of credit card information associated with the user ID notified from the store terminal 12 is specified. In addition, the reward provision condition of each credit card is specified with reference to the reward information holding unit.

  The reward determination unit compares the reward provision condition with the service provider name, the store name, the purchase target product, and the payment amount for each credit card, and identifies the content of the reward satisfying the provision condition. Then, according to a predetermined evaluation function, the size of the reward for each credit card, in other words, the size of the merit for the purchaser is determined. For example, if the reward is provision of electronic points or cashback, it may be determined that the reward is larger as the provision amount is larger. If a discount coupon is provided, it may be determined that the reward is larger as the discount amount is larger. The reward determination unit provides the store terminal 12 with reward information indicating the size of the reward for each credit card held by the purchaser.

  When the sales support screen display unit 66 of the store terminal 12 displays a list of a plurality of credit card information on the face pass settlement screen 190 in FIG. 11, the reward is the largest in the reward information notified from the trading support server 14. The credit card is displayed in a mode as a default card used for settlement. For example, the face pass settlement screen 190 may be displayed in a selected state during initial display, or may be displayed in the payment condition column of the face path settlement screen 190 as a default. Further, the sales support screen display unit 66 may display a list in which information on a plurality of credit cards is arranged in descending order of the reward size on the face pass settlement screen 190. In addition, the reward determination unit of the sales support server 14 may notify the store terminal 12 of the content of the reward, and the sales support screen display unit 66 of the store terminal 12 displays the content of the reward in a manner associated with each credit card. It may be displayed.

A ninth modification will be described.
The period from the check-in date and time to the face pass expiration date (hereinafter also referred to as “face pass validity period”) may not be a fixed period, and the length of the period may be dynamically changed according to the positional relationship between the user and the store. It may be determined. While maintaining the face pass effective period, the convenience of the user can be further improved while maintaining the fraud prevention effect by flexibly adjusting the length.

  For example, the purchaser terminal 10 or the buying and selling support server 14 may further include an effective period determining unit that determines a face pass effective period at the time of a check-in operation. When the purchaser terminal 10 includes an effective period determination unit, the purchaser terminal 10 includes the determined face pass effective period in the check-in information and notifies the purchase support server 14, and the purchase support server 14 is notified. The face pass validity period based on the face pass validity period may be stored in the user check-in information. Further, when the sales support server 14 includes an effective period determination unit, the purchaser terminal 10 may notify the sales support server 14 by including the position information of the own terminal in the check-in information.

  The valid period determining unit determines that the face pass valid period is within a range where the upper limit is a predetermined period (for example, 12 hours) in consideration of leakage risk, as the location of the store to be checked in and the current position of the purchaser terminal 10 are further apart. May be lengthened. In addition, the time required for the user to move to the store may be estimated according to the location of the store to be checked in and the current position of the purchaser terminal 10. The period may be lengthened. Further, the result obtained by adding a predetermined time such as one hour to the required time for movement may be determined as the face pass effective period. In addition, in order to accurately estimate the time required for movement, the user may select a moving means such as walking, bicycle, or car, and the required moving speed may be required according to the average moving speed associated with the selected moving means in advance. The time may be estimated.

A tenth modification will be described.
If the user is a regular customer at a specific store, specifically, if the user has experienced face pass payments at a specific store a predetermined number of times or more than a predetermined amount, the facial pass validity period at that store is not a regular customer It may be determined to be longer than the user's face pass valid period. This is because regular customers are accustomed to face pass payments, so the risk of leaking confirmation codes is expected to be relatively low, and because they are regular customers, it is also expected that fraudulent acts on the store side will be suppressed. . In this way, regular customers are treated specially, and it becomes easier for users who are regular customers to have a sense of superiority and satisfaction.

  Also in this modification, the purchaser terminal 10 or the buying and selling support server 14 further includes an effective period determining unit. Further, the purchaser terminal 10 or the buying and selling support server 14 further includes a payment history holding unit for holding a payment history in which the user is associated with the store where the user purchased the product by face pass payment, the number of purchases, and the payment amount. Prepare. When the purchaser terminal 10 includes a settlement history holding unit, the sales support server 14 may provide the settlement history to the purchaser terminal 10 every time face pass settlement is performed.

  When the user checks in to a specific store, the valid period determining unit refers to the payment history and specifies the number of face pass payments and / or the face pass payment amount of the user at the store. When the number of face pass settlements is a predetermined number (for example, 3 times) or more and / or the face pass settlement amount is a predetermined amount (for example, 10,000 yen) or more, the user is a regular customer at the check-in target store. Judge that there is. When it is determined that the validity period determination unit is not a regular customer, the face pass validity period is determined by a normal method as described in the above embodiment or the ninth modification, while when it is determined as a regular customer, A period longer than the face pass effective period determined by the normal method is determined as the face pass effective period to be given to the regular customer. For example, it may be a period obtained by adding a predetermined time such as 2 hours to the face pass effective period determined by a normal method.

An eleventh modification will be described.
The sales support screen display unit 66 of the store terminal 12 selects a user item (for example, an icon including a name and a face photo) whose face pass has expired on the sales support screen (for example, an accounting screen). You may make it display in the mode which cannot. For example, it may be displayed grayed out, or may be displayed with the selection operation invalid (for example, with the disable attribute added). In addition, the item of the user whose face pass expiration date has expired may be hidden on the sales support screen. According to this modified example, since the users who are candidates for selection on the sales support screen can be limited to users within the face pass expiration date, the number of users who are candidates for selection can be suppressed, and the labor of selection by the store sales staff can be reduced. Can be reduced. In addition, it is possible to suppress the selection of a user whose face pass expiration date has expired, for example, to support the store salesperson to prompt the user to check in again, and to suppress the occurrence of errors during face pass settlement .

  In this modification, the trading support server 14 may further notify the store terminal 12 of the user's face pass expiration date as the store check-in information. Further, the buying and selling support server 14 periodically refers to the face pass expiration date of each user stored in the user information holding unit 111, periodically detects the user whose face pass expiration date has expired, and The user information may be notified to the store terminal 12 of the check-in target store. The specific subject of the user whose face pass has expired is the store terminal 12 in the former case, and the buying and selling support server 14 in the latter case.

A twelfth modification related to the eleventh modification will be described.
The sales support screen display unit 66 of the store terminal 12 displays the information of the user whose face pass expiration date has expired (for example, an item including the name and face photo) separately from the information display area of the user within the face pass expiration date. It may be displayed in the area. For example, information on the user whose face pass has expired is not displayed in the information display area of the user within the face pass validity period, while the expiration information display area on each of the menu screen, product selection screen, and accounting screen is displayed. You may make it display newly. According to this modification, users who are selection candidates on the accounting screen can be limited to users within the face pass expiration date. Thereby, the number of users who become selection candidates can be suppressed, and the labor of selection by the store sales staff can be reduced. In addition, by always displaying the information of users whose face pass has expired on the sales support screen, when the user visits the store, the store salesperson calls for prompting check-in again. This makes it easier to suppress the occurrence of errors during face pass settlement.

  Note that the sales support screen display unit 66 displays, on the sales support screen, in an emphasized manner, the information of the user whose face pass expiration date is newer among the users whose face pass expiration date has expired. Also good. For example, in the expiration information display area, it may be displayed above the information of other users, or may be displayed with an emphasis color or object added. It is assumed that users who have recently expired their face pass are more likely to visit the store. When the user visits the store, the store salesperson is urged to check in again. It becomes easy to carry out.

A thirteenth modification will be described.
The sales support screen display unit 66 of the store terminal 12 responds to the scheduled visit times of a plurality of users who have checked in on a face photo selection screen (for example, face pass settlement designation area 184 in FIG. 10) as a sales support screen. In this manner, an item including the name and face photo of each user may be displayed. Preferably, the item of the user whose current time is relatively close to the scheduled visit time is displayed in a manner that emphasizes the item of the user whose current time is relatively far from the planned visit time. For example, a color or object for emphasis may be added and displayed. In addition, the items of the user whose current time is closer to the scheduled visit time may be displayed in the upper part of the face pass settlement designation area 184. Since the user whose current time is close to the planned visit time is assumed to be a user who is highly likely to visit the store, the user item can be easily selected on the face photo selection screen.

  In this modification, the purchaser terminal 10, the store terminal 12, or the sales support server 14 further includes a store visit time estimation unit. Similar to the validity period determination unit of the ninth modification, the store visit time estimation unit calculates the time required to move from the current location to the store according to the location of the store to be checked in and the current location of the purchaser terminal 10. presume. The store visit time estimation unit specifies the time when the required travel time has elapsed from the check-in time as the scheduled store visit time. Even when any of the purchaser terminal 10, the store terminal 12, and the sales support server 14 includes a store visit time estimation unit, information necessary for the estimation process by the store visit time estimation unit (for example, check-in time, current location of the purchaser terminal 10, The location of the store, the moving means, etc.) may be transmitted by notification of check-in information from the purchaser terminal 10 to the sales support server 14 and notification of store check-in information from the sales support server 14 to the store terminal 12. The planned visit time specified by the visit time estimation unit may be transmitted in the same manner.

A fourteenth modification will be described.
The sales support screen display unit 66 of the store terminal 12 displays a confirmation code input screen before displaying a face photo selection screen (for example, the display screen of the face pass settlement designation area 184 in FIG. 10) as the sales support screen. You may let them. On the face photo selection screen, only the face photo that matches the partial data of the confirmation code may be displayed. In addition, a face photo that matches a part of the data of the confirmation code may be displayed in a manner that emphasizes the inconsistent face photo (upper area, large size, emphasized color, a predetermined object added). . The partial data of the confirmation code may be the first digit of the confirmation code or the first and second digit strings, and is referred to as a “limited code” here. In this case, the trading support server 14 may hold the confirmation code, extract the limited code from the confirmation code, and provide the store terminal 12 with the store check-in information including the limited code. According to this modification, it is possible to suppress the number of users that are selection candidates while maintaining the fraud prevention effect, and to reduce the labor of selection by the store salesperson.

A fifteenth modification will be described.
In the embodiment described above, the settlement permission determination unit 130 of the buying and selling support server 14 prohibits the settlement of the commodity price when the user's face pass expiration date related to the settlement request has expired. As a modification, even if the user's face pass expiration date related to the payment request has expired, the payment may be permitted if the payment amount is a predetermined amount (for example, 10,000 yen) or less. Further, in relation to the tenth modification, when the user related to the payment request is a regular customer at the payment target store, the payment permission determination based on the face pass expiration date may be skipped. In other words, when the user associated with the payment request is not a regular customer at the payment target store, the payment acceptance / rejection determination based on the face pass expiration date may be executed.

A sixteenth modification will be described.
In the above embodiment, the user registers his / her face photo in the trading support server 14, the trading support server 14 provides the user's face photo to the store terminal 12 upon check-in, and the store salesperson We decided to compare the product buyer with the face photo on the selection screen. As a modified example, an image other than a face photograph may be used to identify a user (purchaser), that is, any image that can recognize a specific user by distinguishing them from others. Any image that shows appearance characteristics may be used. For example, it may be a character reflecting the appearance characteristics of the user, or image data of a portrait modeled on the user.

  Any combination of the above-described embodiments and modifications is also useful as an embodiment of the present invention. The new embodiment generated by the combination has the effects of the combined embodiment and the modified examples. In addition, it should be understood by those skilled in the art that the functions to be fulfilled by the constituent elements described in the claims are realized by the individual constituent elements shown in the embodiments and the modified examples or by their linkage. .

  DESCRIPTION OF SYMBOLS 10 Purchaser terminal, 12 Store terminal, 14 Sales support server, 36 Purchase support screen display part, 38 Service information acquisition part, 40 Check-in notification part, 42 One time code generation part, 66 Sales support screen display part, 70 Check-in Information update unit, 72 One-time code acquisition unit, 74 Settlement request notification unit, 100 Commodity trading system, 120 Check-in reception unit, 122 Random number acquisition unit, 124 Random number provision unit, 126 Check-in information provision unit, 128 Settlement request reception unit , 130 payment acceptance / rejection determination unit, 132 payment processing unit.

Claims (13)

The product buyer ’s device,
The merchant ’s device,
A server connected to the buyer's terminal and the seller's terminal via a communication network;
With
The buyer's terminal is
A reception unit for accepting a predetermined check-in operation indicating a visit to the store of the seller from the purchaser;
As a response to the check-in operation , a newly generated first verification information is displayed on the screen, and a verification information notification unit that notifies the purchaser of the first verification information ,
The server
When the check-in operation is performed at the purchaser's terminal, the collation information record that records the second collation information that can identify the first collation information in association with the purchaser and the store to be checked in. And
A purchaser image providing unit that provides a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal when the check-in operation is performed on the purchaser's terminal;
The merchant terminal is
A selection screen display unit for displaying a selection screen for causing the seller to select a purchaser image when the purchaser purchases a product at the store of the seller;
A verification information acquisition unit that acquires the first verification information from the purchaser;
A settlement request for notifying the server of a settlement request designating the store of the seller, the purchaser whose purchaser image is selected on the selection screen, and the first verification information acquired by the verification information acquisition unit And a notification unit,
The server matches the first verification information specified in the payment request and the second verification information recorded by the verification information recording unit in association with the purchaser and store specified in the payment request. In addition, the information processing system further includes a determination unit that permits electronic payment of the commodity price.   The determination unit of the server performs electronic payment of a product price when the payment request is notified from the seller's terminal after a predetermined expiration date has passed since the check-in operation is performed at the purchaser's terminal. The information processing system according to claim 1, wherein the information processing system is limited. The server
A collation information issuing unit for issuing new second collation information different from the second collation information issued to the purchaser when the check-in operation is performed at the purchaser's terminal;
The new second verification information, or even look including a collating information providing unit that provides a new first verification information generated based on the new second verification information to the terminal of the purchaser ,
When the new second verification information is provided from the server, the verification information notification unit of the purchaser's terminal generates new first verification information generated based on the provided second verification information. The purchaser is notified, and when the new first collation information is provided from the server, the new first collation information provided is notified to the purchaser. 2. The information processing system according to 2.   The determination unit of the server accepts a plurality of settlement requests in which the same purchaser is designated, and first matching information designated in each settlement request and a second corresponding to the same purchaser. The second collation information associated with the same purchaser is invalidated when the number of times that the collation information is inconsistent reaches a predetermined number. An information processing system according to any one of the above. A method performed by a terminal of a product purchaser, a terminal of a product seller, and a server connected to the purchaser terminal and the seller terminal via a communication network,
The purchaser's terminal accepting a predetermined check-in operation indicating a visit to the seller's store from the purchaser;
And Step terminal before Symbol buyer, in response to the check-in operation, to be notified to by displaying the first verification information newly generated on the screen, the buyer said first verification information,
When the check-in operation is performed, the server records second collation information that can identify the first collation information in association with a purchaser and a store to be checked in ; and
When the check-in operation is performed, the server provides a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal;
When the purchaser purchases a product at the seller's store, the seller's terminal displays a selection screen for allowing the seller to select a purchaser image; and
When the purchaser purchases a product at the seller's store, the seller's terminal acquires first verification information from the purchaser; and
The seller's terminal notifying the server of a settlement request specifying the seller's store , the purchaser whose purchaser image is selected on the selection screen, and the acquired first verification information; When,
If the server matches the first verification information specified in the payment request and the second verification information recorded in association with the purchaser and store specified in the payment request, the product price Authorizing electronic payments for
An information processing method comprising: The merchant ’s device,
Purchase that is an image showing the appearance of a purchaser provided from a server connected to the purchaser's terminal when a predetermined check-in operation indicating a visit to the seller's store is performed at the purchaser's terminal A purchaser image acquisition unit for acquiring a buyer image;
A selection screen display unit for displaying a selection screen for causing the seller to select a purchaser image when the purchaser purchases a product at the store of the seller;
The first verification information newly generated as a response to the check-in operation at the purchaser's terminal, which is notified to the purchaser by being displayed on the screen of the purchaser's terminal . A verification information acquisition unit for acquiring verification information of the purchaser from the purchaser,
When the check-in operation is performed at the purchaser's terminal, the server records second verification information that can identify the first verification information in association with the purchaser and the store to be checked in. And
By notifying the server of a settlement request specifying the store of the seller, the purchaser whose purchaser image is selected on the selection screen, and the first verification information acquired by the verification information acquisition unit , a first collation information specified in the payment request, the commodity price on the basis of the consistent presence or absence of a second verification information by the server in association with the specified purchaser and the store had been recorded in the settlement request A merchandise seller terminal further comprising a settlement request notifying unit for allowing the server to determine whether or not electronic settlement is permitted. A method performed by the merchant ’s device,
Purchase that is an image showing the appearance of a purchaser provided from a server connected to the purchaser's terminal when a predetermined check-in operation indicating a visit to the seller's store is performed at the purchaser's terminal Obtaining a person image,
Displaying a selection screen for allowing the seller to select a buyer image when the purchaser purchases a product at the seller's store;
The first verification information newly generated as a response to the check-in operation at the purchaser's terminal, which is notified to the purchaser by being displayed on the screen of the purchaser's terminal. Obtaining verification information from the purchaser,
When the check-in operation is performed at the purchaser's terminal, the server records second verification information that can identify the first verification information in association with the purchaser and the store to be checked in. And
By notifying the server of a payment request specifying the store of the seller, the purchaser whose purchaser image is selected on the selection screen, and the first verification information acquired by the function to acquire, Based on whether or not there is a match between the first verification information specified in the payment request and the second verification information recorded by the server in association with the purchaser and store specified in the payment request, The sales support method further comprising the step of causing the server to determine whether or not payment is permitted. On the merchant ’s device,
Purchase that is an image showing the appearance of a purchaser provided from a server connected to the purchaser's terminal when a predetermined check-in operation indicating a visit to the seller's store is performed at the purchaser's terminal The ability to acquire person images,
A function for displaying a selection screen for allowing the seller to select a purchaser image when the purchaser purchases a product at the store of the seller,
The first verification information newly generated as a response to the check-in operation at the purchaser's terminal, which is notified to the purchaser by being displayed on the screen of the purchaser's terminal . And a function to acquire the matching information from the buyer,
When the check-in operation is performed at the purchaser's terminal, the server records second verification information that can identify the first verification information in association with the purchaser and the store to be checked in. And
By notifying the server of a payment request specifying the store of the seller, the purchaser whose purchaser image is selected on the selection screen, and the first verification information acquired by the function to acquire, the first of collating information and, electrons in the commodity price on the basis of in association with the purchaser and the store that you specify the alignment presence or absence of a second verification information that the server had been recorded in the settlement request that you specified in the payment request A computer program for further realizing a function of causing the server to determine whether or not payment is permitted. The product buyer ’s device,
A reception unit that accepts a predetermined check-in operation from the purchaser indicating a planned visit to the merchant's store;
When the check-in operation is accepted, the server indicates information indicating the purchaser and the store to be checked-in to the server, so that the server can identify the first verification information to be notified to the purchaser. A check-in notification unit that records the verification information of 2 in association with the purchaser and the store to be checked-in, and provides a purchaser image that is an image showing the appearance of the purchaser to the seller's terminal;
When the purchaser purchases a product at the seller's store, the seller's terminal, the purchaser's information corresponding to the purchaser image selected by the seller, and the seller The terminal notifies the server of a payment request specifying the first verification information acquired from the purchaser, and the server specifies the first verification information specified in the payment request and the payment request. A response to the check-in operation by the purchaser in order to determine whether or not the electronic payment of the product price is permitted based on the presence or absence of matching with the second verification information recorded by the server in association with the purchaser and the store A verification information notification unit that notifies the purchaser of the first verification information by displaying the first verification information newly generated on the screen;
A product purchaser terminal comprising: A method performed by the terminal of the product buyer,
Receiving a predetermined check-in operation from the purchaser indicating the planned visit to the merchant's store;
When the check-in operation is accepted, the server indicates information indicating the purchaser and the store to be checked-in to the server, so that the server can identify the first verification information to be notified to the purchaser. Recording the matching information of 2 in association with the purchaser and the store to be checked in, and providing a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal;
When the purchaser purchases a product at the seller's store, the seller's terminal, the purchaser's information corresponding to the purchaser image selected by the seller, and the seller The terminal notifies the server of a payment request specifying the first verification information acquired from the purchaser, and the server specifies the first verification information specified in the payment request and the payment request. A response to the check-in operation by the purchaser in order to determine whether or not the electronic payment of the product price is permitted based on the presence or absence of matching with the second verification information recorded by the server in association with the purchaser and the store Notifying the purchaser of the first verification information by displaying the newly generated first verification information on the screen;
A purchase support method comprising: On the product buyer ’s device,
A function that accepts a predetermined check-in operation from the purchaser indicating the product seller's planned visit to the store,
When the check-in operation is accepted, the server indicates information indicating the purchaser and the store to be checked-in to the server, so that the server can identify the first verification information to be notified to the purchaser. A function for recording the verification information of 2 in association with the purchaser and the store to be checked in, and providing a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal;
When the purchaser purchases a product at the seller's store, the seller's terminal, the purchaser's information corresponding to the purchaser image selected by the seller, and the seller The terminal notifies the server of a payment request specifying the first verification information acquired from the purchaser, and the server specifies the first verification information specified in the payment request and the payment request. A response to the check-in operation by the purchaser in order to determine whether or not the electronic payment of the product price is permitted based on the presence or absence of matching with the second verification information recorded by the server in association with the purchaser and the store A function of notifying the purchaser of the first verification information by displaying the first verification information newly generated on the screen;
Computer program for realizing. A server connected to a buyer's terminal and a seller's terminal via a communication network,
When a predetermined check-in operation indicating a visit schedule of the seller to the store is performed at the purchaser's terminal, the first newly generated as a response to the check-in operation at the purchaser's terminal Second verification information that can be used to identify the first verification information notified to the purchaser by being displayed on the screen of the purchaser's terminal is sent to the purchaser and the store to be checked in. A collation information recording unit for recording in association;
A purchaser image providing unit for providing a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal when the check-in operation is performed on the purchaser's terminal;
The seller's store, the buyer's information corresponding to the purchaser image selected by the seller at the seller's terminal, and the first matching information acquired from the buyer by the seller's terminal are designated. A settlement request accepting unit that accepts a settlement request from the seller's terminal;
If the first verification information specified in the payment request matches the second verification information recorded by the verification information recording unit in association with the purchaser and store specified in the payment request, the product price A determination unit that permits electronic payment of
A sales support server comprising: A method executed by a server connected to a buyer's terminal and a seller's terminal via a communication network,
When a predetermined check-in operation indicating a visit schedule of the seller to the store is performed at the purchaser's terminal, the first newly generated as a response to the check-in operation at the purchaser's terminal Second verification information that can be used to identify the first verification information notified to the purchaser by being displayed on the screen of the purchaser's terminal is sent to the purchaser and the store to be checked in. A step of recording in association,
Providing a purchaser image, which is an image showing the appearance of the purchaser, to the seller's terminal when the check-in operation is performed on the purchaser's terminal;
The seller's store, the buyer's information corresponding to the purchaser image selected by the seller at the seller's terminal, and the first matching information acquired from the buyer by the seller's terminal are designated. Receiving a payment request from the seller's terminal;
If the first verification information specified in the payment request matches the second verification information recorded in association with the purchaser and store specified in the payment request, the electronic payment of the product price is made The steps to allow,
A buying and selling support method characterized by comprising:

Images